Ezi zizathu zifanele ukucinga ukuba uzama ukugqiba isigqibo sokuba ufanele urente okanye uthenge .
Izizathu Ezi-5 Awufanele Uzithenge iKhaya
1. Ucinezelo oluvela kwabanye abantu
Xa ufikelela kwiminyaka ethile okanye uqalise intsapho okanye utshatile, uxinzelelo lungaba kuwe ukuthenga ikhaya . Usapho kunye nabahlobo banokulindela ukuba lixesha lokuthenga ikhaya nokuhlala phantsi. Kubalulekile ukuba ulungele kwaye uzinzile ngokwaneleyo ukuthenga ikhaya. Ukuze wena kunye nomlingane wakho (ukuba utshatile) bobabini banomuva okulungele ukuzinikela ekuthengeni ikhaya, akufanele unike ingcinezelo yokuthenga ikhaya.
2. Uceba ukuhamba
Ukuba uyayazi umsebenzi wakho uya kukudlulisela yonke eminye iminyaka, unokube ngcono ukuqasha indawo kunokuthenga indlu entsha kwindawo ohlala kuyo. Ukuba uyazi ukuba ufuna ukuhlala kwenye indawo okanye ugcine ukufumana indawo engcono, unokube ngcono xa ulindele ukuthenga ikhaya ukuze ukhululeke. Ulawulo lwesigodlo kukuthenga indlu xa uceba ukuhlala kwindawo leyo ubuncinane iminyaka emihlanu.
Ukuba nekhaya kwenza kube nzima ukuhamba okanye ukujamelana nayo xa ulahliwe emsebenzini.
3. Unelungelo lokuThengisa imali
Ibhanki inokulungele ukuboleka imali ekhaya, kodwa oko akuthethi ukuba ulungele ukuba neyakho. Ingqiqo enhle ukujongana nayiphi na inkcitho kunye nemicimbi yeebyala ngaphambi kokuba uthenge ikhaya. Oku kuya kuqinisekisa ukuba unokusingatha uhlahlo lwabiwo-mali.
Thatha ixesha lokugcina inkokhelo ephantsi kwaye ufumane ulawulo lwezimali zakho ukwenzela ukuba unako ukuthenga ikhaya. Nangona unako ukufumana ilungelo lokuthenga ngemali ngemigqaliselo elula iibhanki zinikela, akuthethi ukuba ulungele ukuthenga.
4. Amatyala
Ukuba uthetha ixabiso elikhulu lamatyala, akufanele ukuthenga ikhaya. Abantu abangena phezu kweentloko zabo kunye nokuthatha imali engozini yokuthenga imali kwakuyingxenye yesizathu sokuthi imarike yezindlu yawa ngo-2008. Ukuba unetyala elininzi, kufuneka uthathe ixesha lokulihlawula ngaphambi kokuba uthenge ikhaya. Ngaloo ndlela ikhaya lakho aliyi kuba yinto enokuyithandayo okanye ikubuyisele.
5. Ukuhlaziywa kwasekhaya kunye ne-Fixer Uppers
Esinye isizathu sokuba uhlale uqeshisa kukuba akudingeki ukhathazeke malunga nokugcinwa okuhamba kunye nobunikazi basekhaya. Ukuba uxakeke okanye usulela uhlahlo lwabiwo-mali ukuze ukwazi ukuhlawulela ikhaya lakho, amathuba okuba awukwazi ukujonga ukulungiswa kwekhaya kunye neendleko zokugcina zonyaka. Ukongezelela, ukuba uhamba kakhulu, kunokuba nzima ukunyamekela ididi kulo nyaka.
Izizathu Ezifunekayo Zithengele Ikhaya
1. Ulungele
Ukuthenga ikhaya liyinyathelo elikhulu. Abantu abaninzi banethuba lokwenza ukuthenga okunjalo kwaye bathathe olunye uxanduva lwemali kunye neendleko zokugcina.
Nangona kunjalo, ukuba ulungele ngokusemthethweni nangokwemvakalelo, kufuneka uthathe isinyathelo sokuthenga ikhaya. Ikhaya lingakunika ukhuseleko kunye nendawo yokuziva ukhuselekile.
2. Ukwakha ubulungisa
Enye yezona zinto zilungele ukufumana ikhaya kukuba ziyakwazi ukunyuka kwixabiso ngelixesha. Iimakethe zemizi zizinzileyo, kwaye akukho siqinisekiso sokuthi uza kwenza imali ngaphezu kweminyaka emihlanu okanye kwimizuzu elishumi, kodwa ngaphezu kweminyaka engamashumi amathathu, ixabiso lekhaya liye lenyuke. Ukongezelela, unokuthatha imali oyihlawulele indlu yakho kwaye uyifake umhlalaphantsi xa ugqiba ukunciphisa xa uthatha umhlalaphantsi. Ungasebenzisa ukulingana ukukunceda uhambe kwikhaya elihle.
3. Ukhuselekile kwiYo
Ukuba ukhuselekile kwaye uqinisekile ukuba uya kuhlala ubeke ubuncinane ubuncinane iminyaka emihlanu, kuyinto efanelekileyo ukuthenga ikhaya. Xa uqhubeka urenta, uchitha nje imali ngaphandle kwakha ubulungisa.
Oku kuthetha ukuba ukuba uhlala ubuncinane ubuncinane iminyaka emihlanu, uza kuba nemali yokulondoloza kwi-equity ukuya kuhlawula intlawulo kwikhaya lakho elilandelayo.
4. Ukuphulwa kwentlawulo kwiNkathazo yokuThengiswa kwemali
Iminyaka embalwa yokuqala yokuhlawula imali yakho, ininzi yentlawulo yakho iya kuhlawula umdla. Unokutsala ipesenti yomdla wakho kwiirhafu. Oku kunokukunceda ukunciphisa inani elipheleleyo ohlawula ngalo irhafu ngonyaka. Yongezelelekileyo i-perk yokuba nekhaya lakho.
5. Uzinzo
Wonke umntu ufikelela kwindawo apho bafuna ukuzinza ebomini babo. Ukufumana ikhaya lakho kukunika indawo yokuhlala, izikolo kunye noluntu onokuzibiza ngalo. Kubalulekile ukucinga malunga naluphi uhlobo lokusingqongileyo olithengela ikhaya lakho lokuqala ukuze ukwazi ukubonelela ngokuzinzileyo xa ixesha lifika.