Ubunzima bokuthengisa izindlu ezimbini zokuthenga ikhaya elilodwa

Ukuhlanganiswa kwezindlu ezimbini kwiNdlu enye kufuna iCwangciso

Xa ndisebenza kunye nesibini kwisiqalo sokuthengisa ezimbini izindlu zokuthenga enye, ndifumanisa ukuba bahlala bezibandakanya kwisicwangciso esingafanelekanga semidlalo, becinga ukuba kufuneka kube lula. Isicwangciso somdlalo sivame ukuthenga ikhaya , silandelwe ngokuthengisa ezinye izindlu ezimbini. Esi sicwangciso senza ingqiqo kuninzi kubantu. Akuyona indlela yokuthengisa izindlu ezimbini ukuthenga enye indlu isebenzela ininzi lethu.

Indlela 1: Ukuthenga ikhaya, elilandelwa ngokuthengisa iiNdlu ezi-2

Ingxaki yokuqala ngoluhlobo lwesicwangciso lifumana ukufaneleka kwemali yokuthenga.

Ngokucacileyo, ukuba abathengisi ababini bathengisa ikhaya ngenjongo yokuthenga ikhaya elilodwa njengeqabane, kwaye ukuxhaswa ngemali akubandakanyi, kulula kakhulu. Abathengisi abanezindlu ezikhululekileyo kunye namakhaya okanye amakhaya anokulingana okwaneleyo ukuvelisa imali ukuthenga indlu ngokuthe tye inkululeko enkulu yokulandela olu khetho. Kodwa inyaniso abantu abaninzi bathabatha imali yokuthenga indlu. Oko kuthetha ukuba amaqela angadinga ukufumana imvume yokufumana imali yokubolekwa kwemali ngaphezu kokukwazi ukuhlawula imali yokuhlawulwa kwemali eminye imizi emibini.

Emva kokongeza imali entsha yokuhlawulwa kwemali kwintlawulo ekhoyo ekhoyo, loo mali isilinganiselo semali engenayo inokubangela ukuba amaqela omabini aphume kwinqanaba ukuba afaneleke. Ababoleki basebenzisa iirati, eziziimali zeepesenti zombini nomphambili. Isilinganiso sokugqibela siphezu sepesenti yeentlawulo zemali yokubolekwa kwemali yokubambisa i-income income ngenyanga. Umlinganiselo wokugqibela umvuzo weentlawulo zentengo kunye nokuhlawulwa kwetyala elongezelelweyo njengemakhadi-mboleko ngokuchasene nemali engenayo yenyanga.

Ukuba ama-ratios aphakamileyo kakhulu, amaqela angeke afanelekele ukufumana onke amakhaya amathathu ngexesha elinye. Ewe, usenokuthi, kodwa amaqela angakwazi ukuguqula loo mizi ibe yizindlu zokuqeshisa kwaye isebenzise loo ntlawulo yengeniso yokunciphisa iintlawulo zempahla , okulungileyo? Ngoxa loo nto yayiza kunyusa ingeniso, eya kuyanciphisa umyinge, umboleki-mali angeke avumele ukuba ingeniso yokurenta isetyenziswe ekubaleni.

Abaninzi ababolekayo balandela izikhokelo eziqinileyo malunga nobude bexesha kufuneka ukuba ikhaya liqeshwe ukuba lifanele ukufumana ingeniso yerenti kwi-mortgage calculation, kwaye inyanga enye okanye ezimbini zanele.

Ingxaki yesibini ekuthengeni ikhaya elilandelwa ngokuthengisa izindlu ezimbini kukuba ukuba ukuhlawula kwekhaya elitsha kuvela ekuthengiseni kwezinye izindlu ezimbini, ke abathengisi kufuneka babhale ukubhala isibonelelo . Isithembiso esiphezulu sibanika indlela yokuphuma, indlela yokucima ukuthengwa, kwaye abathengisi abaninzi abayithandi izibonelelo ezingenasisiseko ngenxa yezizathu ezilungileyo kuba ahlala zizinto eziqinisekileyo.

Ukuba i-marhwebo ayinakulungelelanisa ukunikezelwa kweemfuno, oku kuya kuqhubeka kucacisa le qhinga. Kwimarike yomthengisi , umzekelo, ukunikezelwa okungekho nto kunokuba nzima ukufumana. Ukuba ukuthengwa okujoliswe kuyo kuyindlu ekhanga kakhulu, kunokubonelelwa ngamanani amaninzi, kwaye izibonelelo ezingenakuze ziphumelele kwiimeko ezininzi zokubonelela.

Ikhetho 2: Ukuthengisa izindlu ngaphambi kokuthenga ikhaya elitsha

Ingaba isibini esingafuna ukuthengisa izindlu zombini okanye indlu enye yokudibanisa amakhaya kwindlu entsha incike kwakhona kwimilinganiselo yokubolekwa kwemali. Kungenzeka ukuba uthengise indlu eyodwa kuphela ngaphambi kokuthenga ikhaya elitsha.

Umboleki wemali mboleko angayilungisa kakuhle kule meko.

Nangona kunjalo, ukuba kuyimfuneko ukuthengisa amakhaya omabili ngaphambi kokuthenga ikhaya elitsha, ke kukho ezinye ezintathu ezisezantsi:

• Ukuthengisa amakhaya akhoyo kunye nekhontraki esivumelanayo evumela abathengisi ixesha elithile lokuthenga ikhaya elitsha baze bangene kwisivumelwano sokuthenga, okanye
• Thengisa amakhaya akhona kunye nenketho yokubuyela kwikota emva kokuvala ukunika ixesha abathengisi ukuba bafumane ikhaya elitsha ukuthenga nokuhamba.
• Thengisa amakhaya omabili, uye kwenye indawo uze uzingele ikhaya elitsha, elibandakanya ukuhamba kabini. Olu khetho lokugqibela luhle kakhulu kumbono wezezimali ngenxa yokuba umthengisi akanako ukufumana izibonelelo kwaye abe nesimo esinamandla ukuxoxisana nokuthengwa kwekhaya elitsha. Kodwa ngokuqinisekileyo, abaninzi abantu abafuni ukuhamba kabini. Ukuhamba ngokukhawuleza kunzima ngokwaneleyo.

Ukuba abathengisi bakhetha ukubhala izibonelelo ezixhasayo, ukuba bathengisa kwikharityhulam yomthengisi, kuya kuba lula ukunyanzelisa umthengi ngokwemigomo kunokuba bathengisa kwiimakethi yomthengi.

Kwimarike yomthengisi, abathengi bahlala bekulungele ukulinda umthengisi ukufumana ikhaya lokuthenga kunenye indlela. Yindlela ekhuselekileyo yokuba abathengisi bacwangcise ukuthenga ikhaya elitsha kuba akukho mngcipheko kubathengisi ukuba abanakufumana ikhaya elitsha lokuthenga.

Eyona nto ingabonakaliyo, abathengisi banokufumana ikhaya labo iphupha aze bangakwazi-ngezizathu ezahlukeneyo ezinokuthi zihluke kwixabiso ukuya kwimeko-ukuthengisa amakhaya abo asele. Ukulahlekelwa yiphupha ekhaya kuya kuba buhlungu. I-arhente engumntu onamava ohlala kuyo olawula ezo ntlobo zentengiselwano kufuneka akwazi ukuncedisa kwaye enze inkqubo ingagqibekanga.

Ngelo xesha lokubhala, u-Elizabeth Weintraub, uBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.