Nangona kunjalo, kuxhomekeke kwindawo ohlala kuyo, unokufumana kunzima ukufumana imali yokuboleka imali okanye ukuhlawula iindleko zenyanga. Nazi iziphakamiso ezisixhenxe ezisebenzayo malunga nento ongayenza ukukunceda ukuthenga indlu .
1. Gcina i-Pay Down
Enye inketho kukusebenza ekulondolozeni inkokhelo enkulu ukwenzela ukuba uthenge ikhaya oyithandayo. Inkokhelo enkulu ephantsi iya kunciphisa inani elifunekayo ukubolekeka ekhaya, oko kuthetha ukuba unokuthenga indlu ebiza kakhulu xa unentlawulo enkulu. Ukugcina inkokhelo ephantsi kunokukunceda ukuba ubone ukuba ulungele ukuthenga ikhaya .
Ukuba unzima ukuza kunye nokugcina imali, unokufuna ukudala ubuchule ngendlela ophethe ngayo imali yakho. Cinga uhlala nabantu ohlala nabo iminyaka embalwa ukuze ukwazi ukubeka imali engaphezulu kwi-intlawulo yokuhlawula. Ungakwazi ukuxhamla zonke izipho zakho kunye neebhonasi kule ngxowa kukukunceda ufinyelele iinjongo zakho zokulondoloza ngokukhawuleza.
2. Fumana iPropati Ngeniso
Enye inketho kukukhangela ipropathi eya kukuvumela ukuba uqeshe inxalenye yayo ukuze uncede ukugubungela imali. Ukuba uhlala kwiindleko eziphezulu zeendawo zokuhlala, unokukwazi ukuqeshisa ukuba ufumane ukufumana isabelo esilungileyo semali yakho. Ukuba ukhetha olu khetho, kufuneka ube neenyanga ezimbalwa zokuhlawulwa kwemali yakho yokugcina imali ukuze uhlawule ixesha phakathi kweendwendwe kunye naluphi na ukulungiswa okufuneka uyenze.
Khangela kwezinye iiNdawo
Enye indlela yokukunceda ukuyigcina kwikhaya kukuqwalasela ukujonga kwezinye iindawo. Ngokuqhelekileyo ngaphakathi kwidolophu kukho iindlela ezinokuzikhethela xa uzimisele ukuhamba ixesha elithile imihla ngemihla. Enye inketho kukuqwalasela ukukhangela umsebenzi kwiindleko eziphantsi zendawo yokuhlala ukuze ukwazi ukufumana ikhaya oyithandayo. Unokumangaliswa ngoluhlobo oluncinane noluntu olunokuthi lunikeze.
4. Yiba Nqwenela UkuyiPhakamisa
Ngokuqhelekileyo unokufumana iipropati ezixinzeleleyo kwixabiso eliphezulu. Isibalulekileyo kukufumana enye into onokuhlala kuyo ngelixa ulungise okanye ufumane imali eyaneleyo ukuze wenze kube lula. Ukuba ukhululekile ukwenza umsebenzi ngokwakho, unokubeka ukulingana ngokukhawuleza kwaye ukhuphe ngokukhawuleza ixabiso lepropati yakho entsha. Kubalulekile ukuba uqiniseke ukuba yonke into ifike kwi khowudi, kwaye unokufuna ukuhlawula umbane kunye ne-plumber kuba le micimbi inokuchaphazela ukhuseleko olupheleleyo lwekhaya lakho.
5. Faka isicelo kwiNkqubo yoNcedo lwaBathengi baseKhaya
Kukho inani leenkqubo zomncedisi wekhaya lomthengi kunye neendawo zendawo ezinokukunceda ukuba ufaneleke ukuthenga imali, ngakumbi ukuba ungumthengi wexesha lokuqala. I-HUD yindawo elungileyo yokuqala kodwa i- USDA ineprogram ongayifumana yona ukuba uhlala kwenye indawo yasemaphandleni.
Amaninzi amaninzi kunye namabakala anenkqubo zoncedo onokuyisebenzisa ukuze uncedise ngeendleko zokuhlawula okanye zokuvala. Qala ngokujonga ngaphakathi kwendawo kwaye ukwandise ukukhangela lonke ilizwe. Ngokuxhomekeke kwiimeko zakho, ungaphinda ufune ukuqwalasela i-Habitat for Humanity.
6. Ukuqeshisa-kwi-Own
Ukuba unenkxalabo yokuba awuyi kufanelekela ukuthenga ngemali ngenxa yesikhokhiso esincinane sekhredithi, unokufuna ukubheka ukhetho oluya kukuvumela ukuba urente-ikhaya lakho. Kubalulekile ukufunda konke ukushicilelwa okulungileyo xa ukwenza oku kwaye uphumelele ukuhlolwa kwekhaya ngaphambi kokuba ungene kuyo. Kumele uhlambele into ojongene nayo ukulungiswa kokuzilumko kwaye kwenzekani ukuba ukhetha ukuphuma. Nangona le nto ingaba yinkqubo enhle, abanye abantu basebenzisa inzuzo yabanikazi kwaye akusoloko kusebenza.
7. Iingxowa-mboleko
Unokufuna ukuqwalasela ezinye iindlela zokwenza imali ezikhoyo.
Kukho ukhetho oluqhelekileyo olufana ne- FHA okanye iMboleko yaseKhaya yeMantshi . Ezi zihambile phambili kwaye zinokukunceda ukuba awukho inkokhelo yokuhlawula okanye umlinganiselo wekredithi ophantsi. Kukho i-co-ops yezindlu ezokukunceda uhlawule ngekhaya. Nangona kunjalo, la ma-co-ops athabatha inxalenye yelungelo lekhaya kwaye kufuneka unikezele ukuthengisa ikhaya kubo ukuba unquma ukuhamba. Kwakhona kufuneka ufunde ngokucophelela ukushicilelwa okulungileyo kwaye ucinge ukuba kulungele amathuba okuya ekhaya.