Umbuzo: Ngaba kufuneka sithenge indlu ngaphambi komtshato okanye silindele ukuthenga ikhaya emva komtshato?
Umfundi uyabuza: Intsapho yam ndiyatshata ngoJulayi, kodwa sifuna ukuthenga ikhaya ngaphambi komtshato wethu. Ngaba sinyulu ukuthenga ikhaya ngaphambi komtshato? Abahlobo bathi lucindezeleke kakhulu, kodwa ndicinga ukuba kunengqondo ukuba ikhaya lethu elitsha sele lithengiwe kwaye silungele ukungena ngaphambi kokuba siye kwi-honeymoon yethu. Ngaba unokucinga malunga nayiphi na isizathu asifanele sithenge indlu ngaphambi kokuba sitshatile ?
Impendulo: Iminqweno efanelekileyo kwiindawo zakho ezizayo. Ndiyakholwa ukuba isibini esithandanayo sifuna ukukhetha ikhaya ukuthenga ngokucophelela njengoko bekhethwe. Amabhinqa amaninzi athengisa ikhaya namhlanje ngaphambi komtshato kuba bafumanisa ukuba kulula. Mhlawumbi ufumane uxinzelelo olwaneleyo njengoko kukucwangcisa umtshato kunye nekamva lakho.
Nangona kunjalo, isiluleko sam kuni siyafana nanjengokuba ndiza kunika nayiphi na isibini esinikeleyo, nokuba ngaba badibanisa iqhina, banqandwa ukutshata ngenxa yemithetho yomtshato we-archaic okanye bakhetha ukungatshati nhlobo.
Amanyathelo okuThengwa kweNdlu ngaphambi kokutshata
Yiya kwisivumelwaniso malunga neendleko zokuthenga kwikhaya ngaphambi kokubandakanya iinkonzo ze- arhente yezindlu . Ukuba nonke nibabelana ngokuthandayo, oku akufanele kube nzima. Nangona kunjalo, ndibone ubungqingili bezingqinelana kunye, okuvakalayo kuphumela kwelinye iqela, ngokuchasene nesigwebo esingcono, ukuvuma ukuthotyelisa iminqweno yomnye.
Ngoko, tyalela ukungafani kwakho kuqala.
- Iintlobo zamakhaya
Ezinye izibini zikwazi ukuvumelana ngesitayela. Omnye unokunandipha iinkcukacha zeklasi kumakhaya amadala ngaphaya kwexesha elitsha , ngelixa elinye lingenzela ukuthenga isakhiwo esitsha. I-compromise ingaba ithengise ikhaya kwiprojekthi yokuzalisa. - Abamelwane
Nciphisa iinqununu zakho ezintathu eziphezulu kwiindawo ezisemzaneni uze uqhube ukuhamba ekuseni, ntambama nakusihlwa. Thetha kubamelwane abahlala ezitratweni apho unokucinga ukuthenga. Cinga ukuhamba ngeendawo ngeveki kunye neveki ukufumana ingcamango yendlela kunye nemisebenzi yommandla.
- Inani lexabiso
Ukuthabatha ixabiso lentengo kulula xa uthetha ngomboleki wendleko yokufumana imali enokuyenza . Ezinye iibini ezikhethiweyo zikhetha ukukhetha ixabiso lemali elisekelwe kwingeniso enye, nje xa umntu omnye ephelela ungasebenzi, uyagula okanye ngesizathu esithile esilahlekelwa yenyanga engenayo.
Izindlela zokugcina isihloko ngaphambi komtshato
Indlela ofumana ngayo itayitile inomsebenzi wobunini bomthetho kunye nokudluliselwa kwimeko yokufa. Ezinye iintlobo zetayitile zenza impembelelo yerhafu. Kufuneka uxoxe nommeli ukuze ufumane imithetho yakho yomgaqo-nkqubo kunye nendlela ukugcina isihloko kuya kukuchaphazela ngayo. Ezinye iindawo zikhawulela iindlela zokubamba isihloko ; Ngokomzekelo, izibini ezitshatileyo kuphela zikwazi ukubamba isihloko njengepropati yoluntu.
Eziqhelekileyo zezi:
- Abahlali abadibeneyo
- Abaqeshi abaqhelekileyo
- Eyona Nyehlukeneyo
Igalelo zezeMali kwiNdlu yokuThengwa
Ngaphandle kokuhlawula imali , uya kuba neendleko zokuvala . Zizonke ezo zibalo kwaye unqume ukuba ngamnye uya kuba negalelo ekuthengeni. Uninzi lwabantu luhlukanisa imali 50/50, kodwa ngamanye amaxesha omnye umntu unemali engaphezulu kunomnye.
Xa kunokwenzeka ukungenelelo kwemali engalinganiyo, isibini singabela inani leepesenti kunye nobunini bobuncwane kwipesenti. Ngokomzekelo, bathi isibini sinemali engenayo ye-$ 160,000 ngonyaka.
Ukuba uJudy wenza i $ 90,000 kunye nomlingane wakhe, uSharon, ufumana i-$ 70,000, imali engenayo kaSharon yenza 43.75% yengeniso yomzi.
Ngoko, uSharon noJudy bayavuma ukuba umrhumo wezimali ka-Sharon kwiindleko zokuhlawula kunye nokuvala kufuneka kube ngu-43.75% wexabiso, ukushiya uJudy ukuba athathe i-56.25%. Ababini abasebenzisa izabelo ezilinganiselayo ekuthengeni bavame ukusebenzisa ipesenteji efanayo ukuba bafumane ngubani ohlawula ubuninzi malunga nokuhlawulwa kwempahla .
Ekhaya Ukuthenga izigqibo zoMboleko
Uza kufumana ngokukhawuleza ukuba iqabane lakho okanye umva-mlingane ngumlingani wengozi, kuxhomekeke kuhlobo lokuboleka imali afunayo. Imali-mboleko ye-Fixed rate rate ayinomngcipheko omkhulu kodwa ngamanye amaxesha ithwala inzala ephezulu ngaphezu kwezilungiso.
Ezi ziintlobo ezidumileyo zemali:
- Inzala kuphela yenzalo.
Izizathu ZesiXhobo Sokuthenga Isivumelwano Sobambiswano Ngaphambi Komtshato
Nangona imitshato, imibutho kunye nentsebenziswano iqalisa ukuxhamla, ngamanye amaxesha imibhangqwana ilahlekelwa ingqalelo kwaye ijikeleze kwiindlela ezihlukeneyo. Ngenxa yoko, yinto efanelekileyo ukubeka zonke izivumelwano zemali ngokubhaliweyo. Qhagamshelana nommeli wezezindlu.
Cwangcisa kwangaphambili oko kuya kwenzeka xa omnye okanye zombini unquma ukwenza inxaxheba kwinkampani. Ngaba uza kuthengisa ikhaya okanye uvumele elinye iqela lithenge elinye iqela? Ukuba uthengisa, umzekelo:
- Uza kugqiba njani ixabiso ?
- Ngubani oza kukhetha i-arhente yohlu ?
- Ingeniso yemali iya kuhlulwa njani?
- Yintoni oya kuyenza xa ugqiba ukuba uhlawule ukuthengisa ngoba emva kokunciphisa iindleko zokuthengisa, awukho ubulungisa? Okona kumbi, kufuneka uzame ukuthengisa okufutshane?
- Kwenzeka ntoni ukuba ikhaya lakho lingathengisi?
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.