Izinzuzo zokuba nekhaya
Okokuqala, makhe sibone ezinye zeenzuzo zokuthenga ikhaya. Inzuzo ecacileyo kukuba yiyakho. Unokuyipopera ikhikidi yakho, utshintshe umhlaba, faka i-hoop yebhoksi ye-basketball, okanye uphendule isiseko sakho esingagqityiweyo kwiqonga le-movie. Ngaphandle kokuba usebenza kuyo nayiphi na isakhiwo okanye imimiselo yokucwangcisa, unokwenza malunga nantoni na oyifunayo ngekhaya lakho.
Enye inzuzo enkulu yokuba nekhaya kukuba enye yentlawulo yakho yenyanga yokuhlawula ibuyele kuwe ngendlela yokulingana. Xa uhlawula irenti, awuyi kuphinda ubone nayiphi na loo mali. Ngakolunye uhlangothi, inxalenye yentlawulo yakho yokubolekwa kwemali iya kufakwa ngokukodwa kwinqununu yemboleko, eyakha ubulungisa.
Ekubeni ikhaya lakho linokuba yimpahla, unakho ukukwazi ukwenza imali ukuba ungayithengisa ngaphezu kokuhlawulwa kwangaphambili. Kwezinye iimeko, le nzuzo ingaba yerhafu. Ukongeza, unokukwazi ukuthelela ukulingana kwekhaya ngelixa uhlala kulo ukuze wenze uphuculo okanye udibanise ityala.
Ekugqibeleni, masingakulibali ukuba kukho iindleko zerhafu ezongezelelweyo zokuba nekhaya. Kwiimeko ezininzi, inzala yomhlalaphantsi kunye nentlawulo yepropathi oyihlawulayo iyancitshiswa, oko kuthetha ukuba uya kunciphisa umthwalo wakho werhafu.
Iingxaki zokufumana ikhaya
Nangona zininzi iinkalo ezintle ekuthengeni ikhaya, masingayigxina neengxaki ezingenakwenzeka.
Uyakhumbula ixesha apho umbane ongeyena mhlaba uhlala phantsi? Mhlawumbi kwafuneka ubize iofisi yakho yangaphambili okanye umninikhaya kwaye bazimisele ukuyilungisa okanye ukuyibuyisela ngaphandle kweendleko kuwe kwimiba yeeyure okanye iintsuku. Xa ungumnikazi wekhaya lakho, kunokubakho ezininzi ukulungiswa kunye neendleko zokulondoloza ungeke ube nazo xa uqesha.
Enye into ekufuneka uyiqwalasele yinto enokwenzeka yokulahlekelwa yimali kwindlu. Ngoxa ixesha elingaphezulu kwexesha le-estate estate liye lenyuka lixabiseke, kukho amaxesha apho imarike yendawo yokuhlala ihlala iphantse okanye iyancipha. Ngokuxhomekeke kwiindleko ezihambelana nokuthengiswa kunye nemali eyithengisa yona indlu, unokulahlekelwa yimali.
Ekugqibeleni, ukuthenga ikhaya yiphakamiso sesikhathi eside. Xa uqashisa, unokubophelwa kuphela kwinyanga yokuqhawula inyanga okanye yenyanga okanye ukuhlawula, ukwenzela ukuba uqoke kwaye uhambise unokwenziwa kwisaziso esifutshane. Xa uthenge ikhaya, akulula nje ukuthabatha kwaye uhambe. Unembopheleleko ebalulekileyo yemali, kwaye inkqubo yokuthengisa ikhaya ingathatha iinyanga eziliqela ukugqiba.
Ngoko, xa uthengela ikhaya, thatha ixesha lokuqonda iingenelo kunye neengxaki, kwaye qi ni sekise ukuba wenza oko ngezizathu ezifanelekileyo.
Qinisekisa ukuba Uninzi lwekhaya onokuyithintela
Ukuba uthe wagqiba ekubeni ukuthenga ikhaya kukulungele, isinyathelo sokuqala kukufumanisa oko unokukwazi ukukufumana . Esinye sezikhokelo eziqhelekileyo ezisetyenziswayo ngumlinganiselo wenkokhelo ukuya kwinzuzo. Uninzi lwabalingisi lubonisa ukuba umlinganiselo wakho weentlawulo-mali ukuya kwinzuzo awufanele ungadluli kuma-36%, kwaye i-debt mortgage yakho kuphela kufuneka ibe ngaphantsi kwe-28% yemali engenayo yenyanga.
Ukubala isilinganiso sakho somvuzo-kuya-ngeniso, okokuqala, yongeza imali yakho yenyanga engenayo. Emva kokuba unaloo nani, yanda nge 36%, okanye 0.36. Le nani yinani eliphezulu leentlawulo zenyanga zemali omele ukuba nazo, kubandakanywa nemali yakho yokuthenga.
Emva koko, yongeza yonke yakho intlawulo yenyanga yentlawulo engekho-mboleko kwaye uyisuse kwixabiso elidlulileyo elibalileyo. Le nani inokukunika inkokhelo ephezulu yokuhlawulwa kwemali ongayifumana.
Ngokufanelekileyo, le mali kufuneka ibe ngama-28% okanye ngaphantsi komvuzo wakho wenyanga.
Ngaphandle kwezi khokelo, kubalulekile ukuba ukhumbule ukuba imeko yakho iya kuthi ekugqibeleni uyayichazela into onokuyithengisa ngokwenene, ngoko ke uthathe yonke ingqalelo imeko yakho.
Ukufunyanwa kwempahla efanelekileyo
Emva kokuba unqume ukuba unako ikhaya elingakanani, unyaka wokuthenga indawo yokuthenga imali. Ekubeni unako ukuhlawula ngemali mboleko ngamakhulu amawaka eedola, kubalulekile ukuba wenze isigqibo esinqununu. Imali ephantsi yokuboleka imali inokuchaphazela kakhulu iimali zakho ngexesha.
Iindaba ezilungileyo kukuba kukho uhlobo lokubolekwa kwemali ekhoyo kwiimeko zonke. Iindaba ezimbi kukuba ukhetho olungalunganga lunokuhlawula amawaka amashumi eedola ngenzala kwimali mboleko. Iimali-mboleko eziqhelekileyo ziza ngeendlela ezimbini: iindleko zemali ezitshintshileyo nezilungisiweyo.
Imboleko ejongene nomdla iya kunika uzinzo. Inzala yomdla ayiyi kutshintsha ubomi bomboleko, ngoko iintlawulo zakho zihlala zizinzile. Enye inzuzo ngemali-mboleko yezinga elinqununu kukuba ukuba ixabiso lentengo likhuphuka, uyaqhubeka uhlawula ixabiso elifanayo eliphantsi. Ngakolunye uhlangothi, ukuba amaxabiso ahla, unakho ukuhlawula ngaphezu kwezinga langoku, nangona kunokwenzeka ukuba uhlaziywe ngezinga eliphantsi.
Ngeniso-mboleko yokulinganiswa kwemali, uhlawulela ezinye zokuzinzileyo kwiintlawulo zekhono lokuboleka imali ukuze ulungelelanise nemilinganiselo yenzala. Xa ixabiso lentengo lihla, le nto inokuba yinzuzo yakho. Kodwa xa amaxabiso enyukayo, unokufumana uhlawulo oluphezulu ngenyanga.
Uhlawulo oluphantsi
Ukongezelela ekuqondeni ukuba luhlobo luni lwemboleko ekufuneka lujonge, kufuneka uqwalasele ukuhlawula . Kwi-mortgage yemveli, uya kubonelela ukuhlawula ipesenti ezingamashumi amabini okanye ngaphezulu kwexabiso lekhaya. Ipesenti ezingamashumi amabini inomboro yemilingo kuba, kubabaninzi ababolekisayo, le yimalinganiso efunekayo ukuze ubaleke ukuhlawula i-PMI, okanye i-Private Mortgage Insurance.
Xa ungeke ukwazi ukubeka phantsi ipesenti ezingamashumi amabini, umboleki-mboleko ngokubanzi ufuna ukuba uhlawule i-premium ye-PMI, enokuthi ivela kwiiyure ezingamashumi amabini ukuya kuma-dollar ambalwa ngenyanga. Xa uthengisa umboleko wempahla, khawuqwalasele oku kwaye ucele ukuba kukho iindlela zokuhlawula i-PMI ukuba awuyi kukwazi ukuhlawula ngokupheleleyo.