Ndingaphi na ikhaya elingakanani?
Njengoko ulungiselela ukuthenga ikhaya, unokuba uzibuza ukuba ungakanani indlu onokuyifumana. Oku kuxhomekeke ngokupheleleyo kwingeniso yakho yangoku kunye neemeko, kodwa kukho imigaqo enokuyilandela. Le mithetho iyalondoloza imali ngakumbi, kodwa iya kunciphisa amathuba okuya ekungeneni kwendawo kwaye yenza kube lula ukuba ufumane ikhaya lakho. Oku kunokuba buhlungu kakhulu ukuba yintlupheko yendlu kwaye ingakwazi ukwenza ezinye izinto ozonandiphayo ngokwenene ngenxa yokuba ininzi yengeniso yakho iya kwintlawulo yakho yendlu. Ukuba awukwazi ukuthenga indlu , kungcono ukulinda de ukulungele. Qiniseka ukuba awuthathi le nyathelo nje ngenxa yokuba uziva unyanzelekile ukuthenga ikhaya .
01 I-Percent-Five Percent Rule
02 Yenza iBhajethi yakho ngaphambi kokuba uqale ukuthenga
Ngaphambi kokuba uqale ukuthenga indlu entsha, sebenzisa uhlahlo lwabiwo-mali ngokuhlawula indlu. Ukongeza kwintlawulo, uya kufuneka uhlahlo-mali lwe-inshurensi yasekhaya, irhafu kunye nokulungiswa kwezindlu. Kufuneka ubeke eceleni imali encinane kwinyanga nganye ukulungiselela ukulungiswa nokulungiswa kwekhaya. Xa unemiba yombhobho, i-air conditioning yakho iyaphuma okanye nayiphi na imiba enoxanduva lokuza kunye nemali yokubahlawula. Esi sizathu sokuba awufuni ukuzolulela ngokwakho xa uqhathaniswa nokuhlawula indlu yakho. Kufuneka uhambe ngemali eyaneleyo kwibhajethi yakho ukuze ukwazi ukufaka ezinye iindleko. Ezinye iindleko ezongezelelweyo zingabandakanya amanzi kunye nelahla kunye ne-bill yakho yamandla iya kunyuka ngenxa yokuba utshaya kwaye upholisa indawo enkulu. Unokuziqhelanisa ukuhlala kwibhajethi yakho entsha kwiinyanga ezimbalwa ngaphambi kokuba uthenge ikhaya lakho. Beka imali eyongezelelweyo oya kuyichitha kwi-akhawunti yokulondoloza njengesiqalo senkxaso yokuhlamba kwikhaya lakho elitsha.
03 Kuthiwani Ukuba Ndifuna Ikhaya LikaKhaya?
Ukuba uqale udidekile ngento onokuyithengisa ngayo, unokukhetha ezintathu. Eyokuqala kukuba ugcina imali ephezulu kunye nokulinda ukuthenga ide ihlawule imali oyimfuneko ukuboleka kwisixa esamkelekileyo. Oku kunokuthetha ukuyeka ukuthenga ikhaya iminyaka embalwa, kodwa kuya kukunceda ukuba ulungele imali ukuthenga ikhaya kwaye kukukhusele ukuba ungathengi into ongenakukwazi ukuyenza. Inketho yesibini kukuba uthengela ikhaya lokuqala okanye i-condo uze uphile iminyaka emihlanu kule hlobo lekhaya. Kuthatha phantse iminyaka emihlanu ukugqithisa nokuthenga ikhaya kunye nokungahambisani kwamanje kwimakethi yezindlu, unokubona ixabiso lakho lasekhaya likhuphuke, ligcine lihlale lide okanye liye lihla. Kubalulekile ukuqwalasela ngokucophelela ukuba okanye ungahlali ujabule kwikhaya ubuncinane loo nto. Inketho yesithathu kukuthenga ikhaya elidala ongayilungisa. Ngokuqhelekileyo unokufumana i-fixer engenayo ngemali encinci, kodwa kufuneka ulungele ukujongana neendleko kunye neendleko ezongezelelweyo zokulungiswa.
Izilumkiso kunye nezinye iingqalelo
Ukongeza kwintlawulo ephantsi, kuya kufuneka ukuba ube nemali ebekwa bucala kwiindleko zokuvala. Umthengisi wakho kufuneka akwazi ukukuxelela inani elilinganisiweyo leendleko zokuvala, kodwa ubuncinane i $ 5,000. Ukongezelela, kufuneka uqaphele xa ukhangela uhlobo lokuthenga imali . Kufuneka ukhethe umyinge wexabiso elimisiweyo, kwaye awuyi kuhlawulelwa kwemali. Unokufumana imvume yangaphambili ngaphambi kokuba uqale ukuthenga indlu. Ukuba usengabazi, unokuhlala uhlalutya ukuba ufuna ukurenta okanye ukuthenga ngomnye umnyaka. Ungaqwalasela ezi zizathu ukuthenga ngoku okanye ulinde ukuthenga ikhaya ngaphambi kokuba wenze isigqibo. Oku kunokwenza ixesha elongezelelweyo lokulondoloza ikhaya lakho. Kufuneka uceba kwakhona ukuhambisa iindleko. Kwakhona kunceda ukuba ube neengxowa-mali zexakeka kwimeko apho unenkcitho enzima yokwenza intlawulo ngenxa yokulahlekelwa ngumsebenzi okanye enye ingxamiseko yezemali.