Nangona kunjalo, kufuneka uqiniseke ukuba ulungele ukuqala utyalo-mali kwi-real estate . Ngomnye, kuya kufuneka ubeke imali eninzi ngaphambili ukuze uqale utyalo-mali.
Ukuthengwa kwekhaya , indawo yokuhlala, okanye umhlaba ungabiza. Kwaye oko akuthethi ngeendleko zokugcinwa eziqhubekayo oza kuba nexanduva, kunye nokukwazi ukufumana izikhalazo zokufumana imali xa uphakathi kwabaqeshi ngexesha.
Nantsi oku kufuneka ukwazi malunga nokutyalomali kwi-real estate, kwaye ukuba kukhethwe ngokufanelekileyo.
Hlawula nge Cash
Iingcali ezininzi zemali zi lumkisa ngokuboleka imali ukuthenga imali. Kufuneka uqikelele oku phambi kokuba uthenge ucezu lotyalo-mali. Ukuba awukwazi ukuhlawulela imali yendlu, ubuncinci, kufuneka ube nokukwazi ukuhlawula iintlawulo zemboleko, ngaphandle kweendwendwe.
Cinga ngawo: Ngeenkontila, kukho ukuphindwa kwemali ephezulu. Unokufumana ixesha apho ungenalo abaqeshisi kuzo zonke ipropati. Ukuba awukwazi ukuhlawula imali ngaphandle kweendwendwe, kunokuphela kokuba ngumthwalo wemali, kunokuba ube nesakhiwo sokwakha ubutyebi .
Ngaphezu koko, ukuba awukwazi ukuhlawula umboleko wemali, kunokuphelisa umonakalo wakho wesikweletu , okuya kuba kubiza imali ekuhambeni kwexesha.
Cwangcisa zonke iindleko zakho ngaphambi kokuba uthenge iiPropati
Xa uthengisa i-real estate njengotyalo-mali, kufuneka ucinge ngeendleko zerhafu, izixhobo, ukugcinwa, nokulungiswa. Ngokuqhelekileyo kulula ukuhamba nenkampani yokuqeshisa kwaye ibenokuphatha izinto ezifana nokulungiswa kunye nokuqokelela irente.
Nangona oku kuya kubiza imali, kuya kunceda ukunciphisa umthwalo wokuba nepropati yokurenta, ingakumbi ukuba ungenayo ixesha lokwenza konke okufuneka kwenziwe kwipropati yakho, ukusebenzisa i-arhente yinto efanelekileyo.
Kufuneka uhlawule ixabiso lepropati yakho yokuqeshisa ukuze zonke ezi ntlawulo kunye nezinye iindleko zifakwe ngokupheleleyo. Ukongezelela, kufuneka uthathe iinyanga ezimbalwa zokuqala zemali esele kwaye uyibeke eceleni ukuze uhlawule iindleko zokulungiswa kwipropati. Kwakhona kubalulekile ukuba ne-inshorensi kwipropati (kunye nesicwangciso seendleko). Kufuneka ulungele ukujongana neendleko ezongezelelweyo kunye nezinye iimeko njengoko ziphakanyiswayo, mhlawumbi ngekhredithi yokucima ipropati.
Uphando lwePropati
Ukuba uthengisa umhlaba oceba ukuyithengisa ngomhla ozayo, kufuneka uphande umyalelo welizwe ngokugqibeleleyo. Fumana ukuba ziphi na iindlela ezicwangciswe kufuphi nomhlaba oyithengayo kwaye ucinge ukuba oko kuya kuthintela njani ixabiso lepropati. Kwakhona, qiniseka ukuba akukho ikhonkco kwipropati . Unokufuna ukucinga izinto ezifana nokuthelekiswa kwindawo yokuhlala, ukuba indawo iya phezulu-kunye nokunye okungekho ngaphandle okuchaphazela ixabiso lepropati.
Emva kokuba usenzile uphando lwakho, kufuneka ukwazi ukwenza isigqibo esifanele ngokuthenga ityalo-mali.
Utyalo-mali luhlala lusengozini, ngoko gcina loo nto ingqondweni. Unokwenza imali kutyalo-mali lwakho; kwaye ulahlekelwa yimali, naye. Izinto zingatshintsha, kunye nommandla ocinga ukuba unokunyuka kwindleko akunako ukunyuka, kwaye ngokuthe ngqo.
Qala iNcinci
Abanye abatyali-zimali bezindlu baqala ngokuthenga i-duplex okanye indlu enezindlu zangasese, ngoko uhlala kwiyunithi kwaye uqesha enye. Le yindlela efanelekileyo yokufumana iinyawo zakho zimanzi, kodwa gcinani engqondweni ukuba uya kuhlala kwisakhiwo esifanayo nomqeshi wakho.
Ukongezelela, xa ubeka uhlahlo lwabiwo-mali , uya kufuna ukuqiniseka ukuba unokubambisa yonke imali yokuthenga imali kwaye uhlala uphila kakuhle ngaphandle kweenkokhelo ezongezelelweyo zentlawulo ezizayo.
Njengoko ukhululekile ngakumbi ngokuba ngumnini-mnini kunye nokulawulwa kwepropati yotyalo-mali, unokucinga ukuba uthengisa ipropati enkulu enokufumana imali engaphezulu.
Xa unemihlaba emininzi, kuba lula ukuthenga nokulawula iipropati ezininzi-kwaye ufumane imali enkulu ekubuyiseni imali.
Ukuhlaziywa nguRachel Morgan Cautero .