Xa indlu ephethe ibhanki ifika kwiimarike njengendlu yokuqhawula, inokutsala abathengi abaninzi kuloo khaya ukuba kuthengiswa ngentengo.
Yithi, umzekelo, ibhanki ifuna ukuthengisa ukuchithwa kwe-$ 250,000. Ibhanki inokuthi ixabiso eliya kwii-240,000 zeekhaya, enethemba lokuba abathengi baya kubona lula ikhaya lixabiso elingaphantsi kakhulu kunokuba lifanele kwaye litsalwe njengamaqhubu elangeni. Ukuhlawula imali yindlela enye yebhanki inokufumana izibonelelo ezininzi zekhaya lokukhusela.
Ingxaki ekwazi ukuvela ngamanye amaxesha abasebenzisi abanakwenza umsebenzi omuhle kakhulu uchazela ukuba bathengi ukuba kutheni ukunyuka kwempahla kuyenzeka kunye nendlela yokwenza umsebenzi ongaphantsi kwexabiso lomthengi. Emva koko, umthengi mhlawumbi ufuna nje ukuthenga ikhaya lokukhusela . Kodwa kunzima kunoko.
Ukuthenga ikhaya lokuqhawulayo kunokuthetha ukuthatha isipho phezu kwexabiso lokubuza
Ukuba ikhaya lixabiso eliphantsi kakhulu, abathengi abaninzi baya kwenza izipesheli phezu kwexabiso lokubuza. Ixabiso lokucela liphela nje indawo yokuqala yokuxoxisana. Oku kulandelayo kuyisampulu yendlela uluhlu lwezibonelelo olunokuthi lubekwe ngayo, kuxhomekeke kumyalelo apho bafumene khona:
- Ukunikezelwa kokuqala ukuthenga ukuchithwa kwemali: kancane phantsi kwexabiso lokubuza. Kungenxa yokuba umthengi uqala kwaye akukho zinye ipesenti etafileni.
- Isibini sesibini sokuthenga ukuchithwa: kwixabiso lokucela okanye i-$ 1,000 okanye ngaphezulu. Kungenxa yokuba umthengi obala umthengi wokuqala wanikela ngexabiso elipheleleyo, nangona xa umthengi engenzi.
- Isithathu sesibonelelo sokuthenga ukuchithwa kwemali: kuncinci ngaphezu kwexabiso lokubuza. Kungenxa yokuba umthengi ufuna ukubetha umthengi wokuqala kunye nesibini.
- Isibonelelo sesine sokuthenga ukuchithwa kwempahla: ngaphezu kwexabiso lokubuza kodwa linokubambisana ne # 3. Kungenxa yokuba umthengi unethemba lokuba umthengi wesithathu unokubuya.
- Isibonelelo sesihlanu sokuthenga ukuchithwa kwexabiso: ngentla yexabiso lexabiso kunye ne- deposit imali ethembekileyo kunye nexesha elifutshane lokuhlola. Oku kudla ngokuba ngumthengi ofuna ngokwenene ikhaya.
- Isithandathu sesithandathu sokuthenga ukuchithwa: ncinane ngaphantsi kwexabiso lohlu kodwa yonke imali. Lo mthengi ucinga ukuba isipho sakhe sigolide. Mhlawumbi ulungile; mhlawumbi uphosakele. Kukho iinzuzo zokuhlawula imali ekuthengeni ikhaya.
Ngeli xesha ibhanki ithola amanani angama-7 okanye ngaphezulu, ezi zibonelelo zingabikho kwibhodi. Ezinye eziphantsi, ezinye eziphakamileyo kunye nezinye aziphelelanga. Kungabonakala ngathi bonke abantu kunye nomalume wabo baphosa izibonelelo ebhankini.
Izizathu zokuba ikhaya lasekuhlaleni lingathengisa ngaphantsi kwexabiso olinikezele ngalo
Zininzi zinokuthi zenzeke ngexesha lokuhlola kwaye zinike iingxoxo . Imigomo ebhanki iyavuma kwangaphambili ingatshintsha. Umthi unokuwa phantsi kwendlu okanye kwiimarike zingadla ngokukhawuleza. Ukungathethi, inzala yenzalo ingakhuphuka, ibeka ingcinezelo phantsi kwexabiso.
Nazi izizathu ezimbalwa ezenza ukuba ikhaya lingathengisa ngaphantsi xa uthembisa ukuthenga ukuchithwa kwezinto ezininzi:
- I-ejenti yokurhweba imela umthengi kwaye ngenjongo, nangona ngokuqhelekileyo ngokuchasene nomthetho kumazwe amaninzi, iphosa isithembiso sayo somthengi phezulu kwinqwaba ngelixa lihlawula ezinye izibonelelo. Akunakwi-arhente ye-real estate yinkampani yokuziphatha.
- Ikhaya lalifuna umsebenzi omkhulu, okwakuboniswe ngexesha lokuhlolwa kwekhaya . Ngamanye amaxesha abathengi banokucela ukuba ibhanki linciphise ixabiso ukubonisa imeko esanda kufunyanwa.
- Umthengi usenokuba wanikezela ngexabiso eliphezulu kakhulu ukuba liqinisekiswe ngolu vavanyo. Kweso siganeko, ngokubanzi, ibhanki iya kunciphisa ixabiso ukulinganisa inani lexabiso lokuthengwa komthengi. Uvavanyo oluphantsi luyona sizathu esiqhelekileyo.