Ukuthenga ikhaya okokuqala kukuzonwabisa. Kuninzi ngoko, ukuba ukulindela kubunikazi bezindlu ngokuqhelekileyo kubangelwa ukulungiswa, ukushiya abaninzi abathengi abatsha kwiingxaki zokuba nekhaya. Ukuba awunayo amadada akho emva kokuba uvale ekhaya lakho, ke iphupha lomnikazi wendawo yokuhlala lingaguqukela kwi-nightmare yezemali.
Ukuba ucinga ukuthenga ikhaya, qiniseka ukuba uhlolisise amaninzi amaninzi eemali ezinokwenzeka, ukuze uqiniseke ukuba ulungele uxanduva lomninikhaya.
Ukuhlawula ityala lakho labathengi
Ngaphandle kokuba uhlawula imali kwikhaya lakho, uzimisele ukuthatha inani elithile lamatyala. Kungumnqweno wakho ukuphelisa umthwalo wakho wamatyala ngaphambi kokuba ungeze kuso.
Ngoxa unako ukufumana ilungelo lokuthenga ngemali mboleko kunye nabathengi, ukuthenga ikhaya xa unamathenda kunye nezinye iintlawulo ziya kukuphazamisa.
Ukuhlawula amatyala kufuna umonde, ukunyamekela, kunye nexesha, kodwa ukwenza oko ngaphambi kokuba uthenge ikhaya kuya kukubeka kwisithuba sokuphatha kakuhle uxanduva loxanduva lomninikhaya.
Unayo iNgxowa-mali eNgxamisekileyo yeNgxowa-mali
Wonke umntu udinga umnini-mhlaba wenkxaso- mali okanye ungekho. Kodwa njengomninikhaya, kubaluleke nakakhulu, kuba uya kuba nelinye iqela elitsha le "oopsies" elinokuthi likhusele.
Ukuba iipayipi zakho ziyaqhwala ebusika okanye kufuneka uhlawule umthi kwididi lakho, akukho mhlaba ongenakho umnxeba. Kukho konke kuwe, kwaye ukuba awukwazi ukulungele ngokwaneleyo iinkcukacha ezikhawulezileyo ezinxulumene nekhaya lakho, oku kunokukhokelela ekubeni uthathe iitaliti ukuba uzigubungele-okanye ukutshabalalisa kwekhaya lakho, ukuba ulibale okanye ungayinaki ukulungiswa okuyimfuneko.
Ukuba ucinga ukuba ipayipi eneqabile iyabiza ukujongana nayo, linda nje uze ubone ukuba kwenzekani ukuba loo mbhobho iqhuma kwaye ikhukula ekhaya lakho.
Ukufumana inkxaso-mali engxamisekileyo exhaswa ngemali ubuncinane kweenyanga ezintathu ukuya ezintandathu akuyi kukukhusela kuphela, kodwa kuya kunika uxolo kwengqondo.
Gcina i-Pay Down yakho
Ukuza kunye nentlawulo ephantsi kwikhaya kunokuba ngumqobo omkhulu kumnini-propati.
Abathengi abaninzi abatsha banqoba loo mqobo ngokubeka imali encinane.
Kuzama ukuthatha loo ndlela, njengoko izisa umninikhaya kwindawo ekufikelele ngokukhawuleza kunokuba ulinde ukufumana iipesenti ezingama-20 ezicetywayo. Kodwa ukwenza oko kukubeka engozini.
Ukungena kubunikazi bezindlu ezinobuncinane okanye ubunzima obungenakho ukukhokelela kwikhaya lakho elixhomekeke kulo xa uhlaselwa yimali ephezulu. Kwaye nangona ulawula ukuhlawula imali, uya kufuneka uhlawule i- Private Mortgage Insurance (PMI), oku kuthetha ukuba imali enokuthi iya kwiinqununu zakho kwaye inzala iya kufikelela kwiintlawulo.
Qalisa ukulungela kwakho ngokuthatha ixesha lokulondoloza ukuhlawula imali-ukuba awukho ipesenti ezipheleleyo ezingama-20 zexabiso lokuthenga, ngoko unako.
Qondisisa iindleko zoBunini bezindlu
Iindleko zokuba nekhaya ziyakwandisa ngaphaya kwele ntlawulo-mboleko-ebanjelwa abathengi abatsha abatsha.
Ngexesha leprojekthi yokuboleka imali, lindela ukuhlawula iindleko ze-appraisal ekhaya, ukuhlolwa kwekhaya, ukuhlolwa kwexesha lokuhlawula, iimali zokubolekwa kwemali mboleko, kwaye kunjalo, iindleko zokuvala , ezinokuthi zibe ziikubhite ezimbini ukuya kwezine zexabiso lomzi.
Kwakhona, zilungele iindleko zokuhamba, ukubonelela ikhaya, nokunyamekela nayiphi na imisebenzi efunekayo ukuba ungene kuyo.
Xa usuhlala ekhaya, kuya kufuneka uhlawule ukulungiswa kwenkqubo rhoqo, ukulungiswa kunye nokusetyenziswa kwe- HOA .
Ukongezelela, iimfuno zakho ze-inshorensi zingadlulela ngaphaya kwe-inshurensi yabanini-mali abafunekayo xa ukhetha ukuthenga i- ambulula okanye umgaqo-nkqubo .
Yakha Igumbi kwiBhajethi yakho
Kuqhelekile ukuba ugxininise ubuchule bakho bokufumana imali yokuthenga imali. Kwiphepha, kunokubonakala kubonakala, kodwa inyaniso ingachaza ibali elithile. Ukulinganisa inkokhelo yakho eqikelelwayo usebenzisa i- calculator yokubolekwa kwempahla kuyisiqalo esihle, kodwa kutheni ungayi kuqhubeka inyathelo?
Thatha inkokhelo yakho yokubambisa i-mortgage yovavanyo oluqhutyelwe ngokwenza ukuba yinxalenye yebhajethi yakho ngoku. Kwiinyanga eziliqela, yenza njengokungathi uhlawula imali eqikelelwayo kunye nezinye zeendleko zenyanga oza kuzenza. Ukwenza oku kuya kukuvumela ukuba ufumane intlawulo entsha kunye neemeko zobomi ukuba i-calculator ayikwazi ukulinganisa.
Njengebhonasi eyongeziweyo, imali eyongezelelweyo obeka eceleni iya kufikelela kwi-fund yakho yexakeka, ukuseka i-fund yokugcinwa kwekhaya, okanye ukugcina nje ngaphezulu kwintlawulo yakho yokuhlawula.