Iziseko ezi-8 zokufumana nokuthenga ikhaya lakho lokuqala
Qinisekisa ukuba Ulungele ukuthenga ikhaya
Kufuneka unqume ukuba ulungele ukuthenga ikhaya .
Ubunikazi bekhaya lubiza kakhulu ngaphezu kokuqesha. Unembopheleleko yokuhlawula zonke izilungiso. Unokuba wongezelela neendleko zesevisi, njengotshwala kunye namanzi. Ukongeza koko kuya kufuneka uhlawule irhafu kunye ne-inshurensi ehambelana nekhaya lakho. Ezi ndleko zongeza ngokukhawuleza, kwaye ukuba awuyikulungiselele ngemali, unokuphela kwisithuba esibi kakhulu. Kufuneka uthathe ixesha lokuphuma kwetyala kwaye ugcine ingxowa-mali yongxamiseko , ngaphambi kokuba uthenge ikhaya lakho lokuqala. Ngokuqinisekileyo kufuneka ulahle yonke i- credit card yakho yokuqala. Unokuba ungaphantsi koxinzelelo ukuthenga ikhaya ukusuka kubahlobo okanye kwintsapho, kodwa kufuneka ulinde kude kube yinto efanelekileyo. Ezinye iimeko ezinjengozi ukuba kuya kufuneka uhambe kwiminyaka embalwa ezayo ngomsebenzi uthetha ukuba ufanele ulinde ukuthenga ikhaya.
Qala ukuthenga iNgxowa-mboleko
Thatha ixesha lokuthenga ngetyala. Kufuneka ufumane imvume ngaphambi kokuba uthenge ikhaya.
Oku kuya kukunceda ukhangele ngaphakathi kwexabiso lexabiso lakho. Kufanele uqhagamshelane nabancinci abantu abathathu ngaphambi kokuba unqume ukuba yiyiphi imboleko ozoyithatha. Umthengisi wemboleko uza kujonga iinkampani ezahlukeneyo zemali-mboleko ukufumanisa amaxabiso angcono. Nangona kunjalo, ibhanki yakho yendawo okanye i- credit union yakho inokhetho olunokukugcina imali.
Xa ufumana umboleko ngemigaqo efanelekileyo ungaqala ukuthenga.
Fumana iiNtlawulo eziNgcono zeNtlawulo kunye neentlobo zemboleko
Xa kuziwa kwi-mortgage yakho ungamangaliswa kwiintlobo ezahlukeneyo zemboleko kunye neendlela zokuhlawula ezikhoyo kuwe. Kungaba nzima xa ucinga nge-ARMS kunye ne- PMI . Ngokuqhelekileyo umrhumo we-15 okanye we-20 weminyaka-mboleko ngowona khetho. Oku kunokukunceda uvale kwizinga eliphantsi. Unokuba ucinge ngezimali zokudala ukuhlawula ukuhlawula , kodwa kufuneka uqaphele xa wenza ezi zigqibo. Ufuna ukwakha ubutyebi kunye nokuthenga kwakho ekhaya. Ukuba wenza ukhetho olubi kunokuba ungapheli ukuzilimaza ngokwezimali. Ukuba imarike iyancipha, okanye ukuba ufuna ukuhamba ngokukhawuleza kunokuba uceba, unokufumanisa ukuba ungaphantsi kwamanzi kwi-mortgage yakho kwaye unetyala elingaphezu kwekhaya lakho elifanelekileyo. Inkokhelo yokuhlawula inokukunceda ukuba ugweme loo nto kwaye yenza kube lula ukuthengisa xa ufuna ukuhamba.
Hlonipha Ngento Ongayinayo
Kufuneka kwakhona ukuba unganise kangakanani ikhaya onokukufumana . Umgaqo omhle wesithupha ungagcina imali yakho kunye neentlawulo zakho kunye ne-inshurensi phakathi kwama-25 ne-30 ekhulwini kwiholo lakho. Ezinye iingcali zicebisa ukuba iindleko zakho zasekhaya zikhawulelwe kwizihlandlo ezimbini neziqingatha zakho umvuzo wonyaka.
Inokukhubazeka ukuba ungekho indlu . Ukuba uchitha imali eninzi kwi-mortgage yakho awukwazi ukukwazi ukuhlangabezana neembopheleleko zakho zemihla ngemihla ungalondolozi nje ukugcina umhlalaphantsi. Indlu encinane ifanelekile uxolo lwengqondo. Ukuba uthetha ityala (ikhadi lesitaliti okanye ityala lomboleko lomfundi), kufuneka ugcine iintlawulo zendlu yakho ekupheleni kwelo mali.
Fumana i Realtor Real
Emva kokuba unqume ukuba ungayichitha kangakanani kwaye sele uvunyiwe kufuneka ufumane umthengisi ontle. Umthengisi wakho kufuneka aphulaphule iimfuno zakho kunye neemfuno ngokucokisekileyo. Unokwenza iziphakamiso okanye uchaze imarike kukukunceda ufumane ikhaya elifanelana neemfuno zakho kwaye unako ukukwazi ukufumana. Ufanele anikele ngeendlela ezininzi ezahlukeneyo. Xa usenza umnikelo wakho we-realtor kufuneka asebenze ukuxoxisana nemiqathango ovuyayo nayo. Indlela efanelekileyo yokufumana u-realtor yiyo iziphakamiso zabahlobo kunye nabalingane.
Cela Uhlolo lweKhaya
Enye inyathelo ebalulekileyo kukuhlolwa kwekhaya. Oku kwahluke kwi-appraisal. Kufuneka uhlawule ukuhlolwa kwekhaya . Umhloli wekhaya uya kukhangela iingxaki ezifihliweyo ekhaya. Ngokuhlolwa kwekhaya ungafunda malunga nayiphi na imiba engakukhusela ukuba ungathengi ikhaya. Oku kungabandakanya iingxaki zengqungquthela, ii-termite, iingxaki zesiseko kunye nophahla olubi. Ukuhlolwa kungakusindisa amawaka ekulungiseni emva koko. Ukongezelela unokwazi ukuxoxisana nexabiso eliphantsi ukuba uyazi ikhaya lifuna uphahla olutsha. Kunceda ukuba uhlolo oluzimeleyo lwasekhaya, luhluke kulowo abanikazi bezindlu abenzile. Ukuba u-realtor wakho umele abantu abathengayo ikhaya, ungafuna ukufumana umhloli ozimele ukujonga izinto kuwe. Thatha ixesha lokufumana umhloli omhle wekhaya kuba oku kungakusindisa imali eninzi kamva.
Yiba Nomonde Ngesikhathi Escrow
Xa usubize ekhaya lakho kunye nesibonelelo samkelekile uya kungena escrow. Umnini wesondlo uya kusebenza ukuqinisekisa ukuba onke amaxwebhu, imali kunye nolunye ulwazi oluyimfuneko luhlangene ngaphambi kokuba uvale. I-Escrow isetyenziselwe ukukhusela umthengi, umthengisi kunye nomboleki. Kungathatha ixesha ukugqiba ukunyuka, nangona ixesha lixhomekeka kwiimeko ezizithengiweyo. Emva kokuba yonke into igqityiwe ukunyuswa kwakho uya kusayina amaphepha okuvala. Unako okanye ungasayineli iimviwo zakho zokubhengeza. Ukuba wenza, unokucela ukuba ibhanki ithumele ummeleli ukukunceda uqonde ngokupheleleyo umboleko wakho.
Vala kwaye Ungene
Emva kokuba uvale kwikhaya lakho, lixesha lokungena kulo. Unokuyipenda, ukukrazula kwaye uzonwabele ikhaya lakho elitsha. Qiniseka ukuba utshintshe idilesi yakho kunye neebhanki yakho kunye namanye ama-akhawunti. Ungasetha izixhobo zakho kwaye ukhansele nabantu abadala. Oku kuya kukusindisa ixesha nemali, kuba uya kuphepha iifizi zokugqibela. Ezinye iikhampani ziya kunqanda iifom zokufakelwa ukuba uthumele i-akhawunti yakho endala kwidilesi yakho entsha.
Iingcebiso:
- Kubalulekile ukuqaphela ukuba kufuneka udibanise iindleko zerhafu kunye ne-inshurensi yomninikhaya kwiindleko zakho zenyanga. Nge-inshorensi kunye neentlawulo zakho zenyanga izindleko zezindlu akufanele zibe ngaphezu kweesentimenti ezingamashumi amathathu zomvuzo wakho wenyanga.
- Ukongezelela kufuneka ulungele ukuhlawula zonke iindleko zakho zokuvala ngaphandle kwepokothini. Oku kuza kukugcina imali ngexesha. Ukuba ufumanisa kunzima ukugcina ukulungiselela iindleko zokuvala ungenako ukulungele ukuthenga ikhaya.
- Qinisekisa ukuba unako ukuhlawula iintlawulo zekhaya lakho. Musa ukuzolula ngenxa yokuba ungagqiba ukulahlekelwa ngumzi wakho , onokutshabalalisa nayiphi na inkumbulo enempilo yakho. Ukuba awuqinisekanga ukuba unako ukufumana ikhaya, zama ukunamathela kwisabelomali kunye noko ukulindele ukuba imali yakho yasekhaya ibe kunye nokubeka imali eyongezelelweyo ekulondolozeni. Oku kunokwakha ukuzithemba kwakho kunye nokonga kwakho ukuze uqhubeke phambili nokuthenga ekhaya.