Ngaba Imali Yakho Yokuthengisa Imali Iyabiza?
Uthenge indlu entsha, kwaye konke kuhamba phambili. Uhlala, uhlobisa, kwaye ujabulele iimpahla zokuhlala ekhaya. Ngenye imini, ingeniso yakho ingaguqukanga ngokungalindelekanga. Ngokukhawuleza, ufumana ngaphandle kwemali eyongezelelweyo ukuhlawula iimeko ezikhawulezileyo okanye imali eyaneleyo yokufaka iindleko zakho kwaye ulondoloze ixesha elizayo kuba ukuhlawula indlu yakho kukukhulu kakhulu. Wena ungumntu osweleyo.
Iingcali zithi ukuhlawula indlu yakho kufuneka kube malunga nama-25% e-pay-home pay yakho, ngelixa abanye bathi unokwenza uphakamileyo u-30% ukuba awunayo enye ityala elikhokelekileyo kwaye ungacwangcanga ukuba ungene kwisikwere.
Unokuphelisa indlu ehlwempuzekileyo xa imeko zakho zingatshintshi ngokungalindelekanga kwaye uqala ukuzabalazela ukwenza iintlawulo zakho . Ngokomzekelo, wena kunye neqabane lakho ninabantwana kwaye omnye wenu unquma ukuba ngumzali wexesha elizeleyo lokuhlala ekhaya. Okanye mhlawumbi ulahlekelwa ngumsebenzi okanye kufuneka uhlangabezane nokugula okungalindelekanga. Nantsi into enokuyenza xa ngokukhawuleza ufumana indlu ehluphekileyo.
01 Yintoni eyabangela ukuba ube yiNdlu ehluphekileyo?
Okokuqala, kufuneka uhlolisise oko kukubangela ukuba ube yintlupheko yendlu. Ngokomzekelo, usenokuba wenza umvuzo omkhulu xa uthenge ikhaya lakho , kodwa oko kusuke kushintshile. Okanye usenokuba usuka kwintsapho ephindwe kabini kwimali engenayo. Okanye mhlawumbi umvuzo wakho wendlu wawukhulu kakhulu ukususela ekuqaleni kwaye awuzange uqaphele ngokukodwa ukuba ezinye iindleko zenyanga zakho ziza kuba ziphi, ukushiya unwebile ngokwezimali.
Ukuba unotshintshi kumfanekiso wakho wezezimali okanye ukuba ungeze iindleko ezinjengeendleko zokunakekelwa kwamasango, iindleko zonyango, okanye ezinye iindleko zenyanga, usenokuqala ukuhlawula indlu yentlawulo yakho kwaye unqwenela ukuba awunalo ikhaya.
02 Ngaba Ingxaki Yethu Yesikhashana?
Jonga imeko kwaye uqaphele ukuba ngaba yesikhashana okanye isigxina. Ukuba uyazi ukuba le meko iphela kuphela iminyaka emibili okanye emithathu, unokwazi ukuyikhupha, kodwa kufuneka uzinikezele ukuba ungasebenzisi imali ngokungadingekile. Oku kuthetha ukuba akukho zikhefu okanye ezinye izityebi.
Ukuba ufumanisa ukuba imeko yakho iya kuhlala ixesha elide kuneminyaka emithathu, kufuneka uqwalasele ukhetho lokutshintsha imeko.
03 Ngaba Unomnqweno Wokwenza Iminikelo Emifutshane?
Ukuba uyayithanda ikhaya lakho, unokugqiba isigqibo sokuba uzimisele ukuzidela ukuze uhlale kuyo kwaye ungathengisi. Oku kunokuthetha ukuba uthatha umsebenzi owongezelelweyo, uthathe umsebenzi othile wokuzimela, utshintshe imisebenzi okanye imisebenzi, uze uqeshise ikamelo elongezelelweyo ngeenkonzo zokuqasha njenge-Airbnb.
Le mibingelelo yexesha elifutshane inokukuvumela ukuba uhlawule amanye amatyala akho kwaye wakha i- fund yakho yexakeka ukuze uhlawulele indlu yakho.
04 Ngaba kufuneka uthengise ikhaya?
Kungaba nzima ukunquma ukuthengisa ikhaya osebenze kanzima ukuze unciphise okanye uhambe kwindawo ekuhlalisayo. Nangona kunjalo, ukwenza oku kunokuvula izikhetho ezenza kube lula ukwenza izinto ezibaluleke kakhulu kuwe.
Ukuba ufumanisa ukuba kufuneka uthengise indlu kwaye uhambe kwinto enokuhlawulekayo okanye udire ixeshana, kufuneka uqhagamshelane nomthengisi omhle kwaye ufake indlu yakho kwimarike ngokukhawuleza. Awufuni ukulinda uze unqwenele ukuthengisa ngenxa yokuba awukwazi ukuthengisa ngeenyanga ezimbalwa okanye nangonyaka, kuxhomekeke kwimarike. Kwakhona, awukwazi ukufumana imali eninzi ekuthengiseni indlu ukuba unqwenela ukuthengisa ngokukhawuleza.
05 Ngaba Ujongene Nokuchithwa?
Xa ujongene nokuhlamba indlu, awufuni ukufikelela kwindawo yokukhawuleza kwiintlawulo okanye ngaphezulu, ukuchithwa okujongene nokubhekisa, ngoko qi niseka ukuthatha inyathelo ngaphambi kokuba kwenzeke.
Ukongezelela, ukuba ungaphantsi kwamanzi kwi-mortgage , kunokuba nzima ngakumbi ukwenza isigqibo. Ukuba awukwazi ukuthengisa ikhaya lakho ngento omele uyibole ngayo, cinga ukuthetha nebhanki yakho malunga nokuthengisa okufutshane . Oku kuthetha ukuba ibhanki iyavuma ukuba yamkele ixabiso lekhaya elingaphantsi kwento ohlawulwa ngayo. Kodwa gcinani engqondweni ukuba ukuthengiswa okufutshane akunikezelwa kuyo yonke indlu, ngoko qiniseka ukuba uhlola ukuba ufanelekile ngaphambi kokulandela le ndlela.
06 Cinga ukuhamba kwindawo engabizi
Kwiindawo ezininzi zelizwe, ixabiso lezindlu lingaba ngeenkwenkwezi; kwaye kunokuba nzima kakhulu ukufumana ikhaya. Ezinye iindawo zinokuba nemizi enokuthengwa kakhulu.
Unokuba ngcono xa uthatha umsebenzi ophantsi ohlawulayo kwindawo eyahlukileyo ukuze ukwazi ukufumana izinto ozifunayo. Cinga indlela ophila ngayo ofuna ukuhlala kuyo , nokuba ngaba unayo ikhaya, uhamba rhoqo, okanye ube nebhajethi enkulu yokuchitha imali, kwaye wenze ukhetho olwenza oku kwenzeke.
Ngokomzekelo, ikhaya elibi lingenza kube nzima ukuhamba, ngelixa incinci iya kwenza kube lula. Ukuba ufuna ukuchitha ixesha elininzi kunye nosapho kwaye ixesha elingaphantsi ukusebenza, ukhetha ukuhlala kwindawo engabizi kangako kunokukwenza kube lula ukufikelela ezi njongo.
07 Ukukhusela Oku Kusenokwenzeka Kwenzeka kwakhona
Ngaphambi kokuba uthenge enye ikhaya, kufuneka ubeke isabelomali ngaphambi kokukhangela ikhaya , kwaye umelana nesibongo sokuhamba ngaphaya koko, kungakhathaliseki ukuba ungathanda kangakanani ikhaya. Amanye amathiphu: Gcina iintlawulo zakho kwi-25% ekhulwini lakho lokuhlawula ekhaya, kwaye usethe uhlahlo lwabiwo-mali oluphezulu kwii-2.5 ngokumalunga nomvuzo wakho wangoku. Ungathembeli kwinto ebhanki ekulungele ukuboleka ngayo. Musa ukucwangcisa ukunyuswa kwemivuzo, nokuba. Kufuneka uqinisekise kwakhona ukuba ukhetha i-mortgage efanelekileyo kunye nenqanaba elichaphazelekayo lokuthintela inkokhelo yakho ekukhuleni.