Ngelishwa, abantu abaninzi baya kwi-homeownership ngokusekelwe kwiingcali okanye ulwazi olungalunganga.
Ukuba usemakethekeni kwikhaya , qaphela ezi zizathu eziqhelekileyo kodwa ezingalindelekanga ukuba ube ngumnini wezindlu.
Ixesha elifanelekileyo lokuthenga
"Ukuba awuwathengi ngoku, uya kulahlwa ngewindow yakho." Ngaba ukhona uva loo nto? Isizathu esithandwayo sokuba abathengi baxoshe ubunikazi basekhaya besiya kuthiwa "ixesha elifanelekileyo lokuthenga." Kungakhathaliseki ukuba ixabiso lentengo liphantsi okanye amaxabiso asekhaya aphantsi, kulula ukubanjwa ekucingeni ukuba ukuba awuyi kubetha ngelixa isinyithi kushushu, uya kulahlwa.
Ewe, ukuthenga xa amaxabiso enzala kunye namanani asekhaya aphantsi asebenza ngokucacileyo ukuze uzuze. Kodwa iimeko ezimnandi kwiimakethe zemizi ayikho isizathu sokungena kwi-homeownership. Ukugqithisa ngokweqile okanye ukuthenga kwangaphambili kwigama elithi "ixesha elifanelekileyo lokuthenga" liya kuza kukukhwaza emva koko.
Uxinzelelo lwentlalo
Mhlawumbi ungowokugqibela kwisigxina sakho sentlalo ukuthenga, awukwazi ukutyelela kwimithetho kamasipala ngaphandle kokucelwa ukuba ufuna indlu, okanye uxelelwe ukuba ukuba ngumqondiso wentlalo-mali .
Ukunika uxinzelelo loluntu-nokuba lulethwe nguwe okanye lukhutshwe ngabanye - luya kukungena enkingeni, ngakumbi xa uthetha ngokuthenga okungenzeka ngamakhulu amawaka eedola. Beka iimpumputhe zakho kwaye ungavumeli ukuba unqwenela ukuhambisana (okanye nceda) iiJeses zifuna isigqibo esinjalo semali.
Ukuguquka koBomi obulindelekileyo
Kukho ukungaqondi kakuhle ukuba malunga nemizuzu engama-10 emva kokutshata, kufuneka uthenge ikhaya. Okanye ukuba unomncinane endleleni, awukwazi ukuwazisa kwikhaya lokuqashisa-kuba umntwana uswele indawo engakumbi kunye noxolo lwengqondo ukuba umama noba ngabaphathi bezindlu.
Musa ukuwela kwingqungquthela yokuba ufuna ukuthengwa kwekhaya ukuze uhambisane noguquko lobomi obalulekileyo. Ubomi bakho abuyi ku "gqibela" ngenxa yokuba ungumnikazi. Ukugxotha umzi womhlaba ukuba uhambelane nexesha lomtshato, ukuzalwa, okanye esinye isiganeko esikhulu kunokukwenza ukuba uthenge into ongeke uyithande.
Ukuqeshiswa yiNkunkuma yeMali
Ukuqeshisa ngokumalunga nokuthenga ingxoxo akuyona into entsha. Kukho iimeko apho ukurenta kungenangqiqo, kwaye ezinye apho kuthengwa khona.
Ukuba unesimo esinamandla sezimali ukuze uthenge kwaye ufuna ukwenza njalo, ngoko ukuthenga mhlawumbi kuyindlela ofuna ukuyenza. Kodwa ungafuni ubukhulu bemizi ngokuyinhloko ngenxa yokuba inkolelo yokuba ukuqesha iphosa imali yakho.
Ukuthelekiswa kwezi zibini kunzima kunokuba nje ukucima iintlawulo ngaphaya komnye. Le calculator izokukunceda ukuba ulinganise iindleko zokuqeshisa ekuthengeni, ngokuqwalasela iziganeko zezi zimbini.
Ikhaya Liyi-Investment
Unokuqwalasela umnikazi wezindlu ngenxa yokuba uyibona njengotyalo-mali.
Kodwa kunokwenziwa ingxoxo yokuba indawo yokuhlala yakho iyimfanelo .
Akukho siqinisekiso sokuba ixabiso lekhaya lakho liya kunyuka. Ngokuxhomekeka xa uthengi, xa uthengisa, kwaye ubeka ngaphantsi kangakanani, kunokwenzeka ukuba ulahlekelwe yimali kule "utsalo-mali." Phonsa kwiindleko zokugcinwa kunye nokuphuculwa; inzala ehlawulwayo; kunye nokuhla kwexabiso, kwaye kucacile ukuba akukho zindleko eziqinisekisiwe zokuthenga ikhaya.
Qinisekisa izizathu zakho zokuthenga
Ukuba usemakethekeni kwikhaya, qaphela ngokucacileyo iinjongo zakho kunye nomnqweno wokuba unakho. Ukuba ngaba usishukumisela ngokukodwa kwezi zizathu, thatha inyathelo emva kwaye uphinde uhlole iinjongo zakho. Awufuni ukufumana indlela enzima oyithenge ngayo ngeenjongo ezingalunganga, okanye ngaphambi kokuba ulungele.
Ukuthenga ikhaya kuya kuthintela ubomi bakho kunye nemali yakho kwiminyaka ezayo.
Qinisekisa ukuba ukwenza ngezizathu ezifanelekileyo.