Ukuboleka Imali Ukuxhasa Iintengo Zomhlaba

Kuphi Ukufumana Imali Ukuthenga Umhlaba

Ukuthengwa komhlaba kukuvumela ukwakha ikhaya lamaphupha akho okanye ukugcina isahlulo semvelo. Nangona kunjalo, umhlaba ungabiza kwiindawo ezifunekayo kakhulu, ngoko unokufuna iimali mboleko ukuxhasa imali yakho yokuthenga umhlaba. Unokucinga ukuba umhlaba utyalo-mali olukhuselekileyo (emva koko, "abayenzi nanye"), kodwa ababolekisi babona iimboleko zomhlaba njengengozi, ngoko ke inkqubo yokuvunywa ingaba nzima kunokuba ibolekwe ekhaya.

Ukukhululeka kunye neendleko zokuboleka ziya kuxhomekeka kumhlobo wepropathi oyithengayo:

1. Umhlaba onenjongo yokwakha kwixa elizayo
2. Umhlaba onomhlaba ongehlosile ukuphuhlisa

Ngokona nxalenye, ukubolekwa kwemali kuhlawulwa ngemali emfutshane, ehlala emibini ukuya kwiminyaka emihlanu ngaphambi kokuhlawulwa kwebhaluni . Nangona kunjalo, kukho imali-mboleko yexesha elide (okanye unokuguqula umbolekisi wexesha elide), ingakumbi ukuba uyakha indlu yokuhlala kwindawo leyo.

Thenga kunye nokwakha kwisinye isinyathelo

Ababolekisi bazimisele kakhulu ukuboleka xa unamalungiselelo wokwakha kwipropati yakho. Ukubamba umhlaba ongcolileyo uqikelele. Ukwakhiwa kuyingozi, kodwa iibhanki zikhululekile xa uza kudibanisa ixabiso kwipropati (ngokungongeza indlu, umzekelo).

Imali-mboleko yokwakha: Unokwazi ukusebenzisa umboleko omnye ukuthenga umhlaba kunye nokwakhiwa kweengxowa-mali . Oku kukuvumela ukuba uhlupheke ngephepha eliphantsi kunye neendleko zokuvala ezimbalwa. Ngaphezu koko, unokufumana inkxaso-mali yeprojekthi yonke (kuquka ukugqitywa kokwakhiwa) - awuyi kubambelela xa ubheka umboleki.

Izicwangciso zokwakha: Ukufumana imboleko yemali yokwakha, kuya kufuneka uvelise izicwangciso kumbolekisi bakho, oya kufuna ukubona ukuba umakhi onamava wenza umsebenzi. IiNgxowa ziya kuhanjiswa ngexesha, njengoko iphrojekthi iqhubeka, ngoko ke iikontraki zakho ziya kufuneka zilandele ukuba zifuna ukuhlawulwa.

Iimpawu zokubolekisa : Izikwereti zokwakha ziyimali-mboleko yesikhashana, ngokuqhelekileyo isebenzisa iintlawulo zenzalo kuphela kwaye zihlala zingaphantsi konyaka omnye (ngokuqinisekileyo le projekthi igqityiwe ngoko). Emva kwelo xesha, umboleko ungaguqulelwa ube ngumyinge weminyaka engama-30 okanye iminyaka eyi-15 yemboleko, okanye uya kuhlaziya umbolekisi usebenzisa isakhiwo sakho esandul 'esakhelwe njengobuncwane .

Ukuhlawula phantsi: Ukuboleka iindleko zomhlaba nezakhiwo, kuya kufuneka uhlawule . Cwangcisa ukuza kunye neepesenti ezili-10 ukuya kwe-20 zexabiso elizayo kwikhaya.

Ukugqitywa kweLots kunye noMhlaba oyiRaw

Ukuba uthengisa izinto ezinokusetyenziswa kunye nokufikelela kwesitalato, uza kuba nexesha elilula lokufumana imvume.

Umhlaba omnqongileyo: Umhlaba onomdaka unako ukuxhaswa ngemali, kodwa ababolekisi banokungabaza (ngaphandle kokuba oko kuvela kwindawo yakho - umzekelo, ezinye iindawo zixhomekeke kwipropane, imithombo kunye neenkqubo ze-septic). Kubiza kakhulu ukufaka izinto ezifana nemigca yokuhambisa umbane kunye nombane kwipropati yakho, kwaye kukho amathuba amaninzi enkcitho ezingalindelekanga kunye nokulibaziseka.

Inkokhelo ephantsi: Ukuba uthengisa kakhulu (kwicandelo lokuphuhliswa kwentlupheko, umzekelo), unokukwazi ukubeka phantsi ubuncinane njengama-10 okanye ama-20 ekhulwini. Ngomhlaba oqhekezayo, cwangcisa ubuncinci beepesenti ezingama-30 phantsi, kwaye kufuneka uvelise ama-50 epesenti etafileni ukuze ufumaneke.

Iimpawu zokubolekisa : Iinkcitho ezigqityiweyo zingabungozi abancinci kubabolekisi, ngoko banako ukunikela ngemali-mboleko yokwakha yodwa-enye eguqulela "ukusisigxina" (okanye iminyaka engama-30 ubudala) emva kokuqalwa kokwakha. Ngamaqashiso angagqitywanga, ababolekisi bavame ukugcina imboleko emfutshane (iminyaka emihlanu ukuya kweyishumi, umzekelo).

Ukunciphisa umngcipheko wentengo: Ukuba uthengela umhlaba ongcolileyo, awuyi kuthenga imboleko embi. Unokuphucula amathuba akho okufumana ulungiso olungileyo xa unceda umnini-mboleko ukulawula umngcipheko. Kungenzeka ukuba ufumane imali-mboleko yexesha elide, uhlawulelo oluphantsi, kunye nemfuno encinci yokuhlawula. Izinto ezikunceda zibandakanya:

1. Umlinganiselo wesikweletu esiphezulu (ngaphezu kwe-680), ubonisa ukuba ubole ngempumelelo kwaye uhlawulelwa ngexesha elidlulileyo.
2. Isikwereti esincinci kumvuzo wokufumana imali, esibonisa ukuba unemali engenayo yokwenza iintlawulo ezifunekayo.

1. Inani elincinci lemali-mboleko, okubangelwa iintlawulo eziphantsi kunye nepropathi eyona nto ibonakala kulula ukuyithengisa.

Akukho zicwangciso zokuphuhlisa

Ukuba uya kuthenga umhlaba ngaphandle kwezicwangciso zokwakha ikhaya okanye isakhiwo sezolimo kwilizwe, ukufumana mboleko kuya kuba nzima. Nangona kunjalo, kukho iindlela ezininzi zokufumana inkxaso-mali.

Amabhanki asekuhlaleni kunye neemanyano zemboleko zemali: Qala ngokubuza ngeziko lemali elikufutshane nomhlaba oceba ukuwuthenga. Ukuba awuhlali uhlala kuloo ndawo, ababolekisi bakho basekhaya (kunye nababolekisi be-intanethi ) banokungabaza ukuvuma umboleko welizwe elingenamntu. Amaziko asekuhlaleni ayazi iimarike zendawo, kwaye banokuba nomdla ekuququzeleleni ukuthengisa kwindawo okhangele kuyo. Nangona amaziko asekuhlaleni angazimisele ukubolekisa, basenokufuna iipesenti ezingama-50 ngokulingana kunye nemali-mboleko emfutshane.

Ukulingana kwasekhaya: Ukuba unobulungisa obukhulu ekhaya , unako ukuboleka kuloo mlinganiso kunye nesibini . Ngaloo ndlela, unokukwazi ukuhlawula iindleko zelizwe lonke kwaye ugweme ukusebenzisa iimali-mboleko ezongezelelweyo. Nangona kunjalo, uthatha ingozi ebalulekileyo usebenzisa ikhaya lakho njengento yokubambisa - ukuba awukwazi ukuhlawula imali mboleko, umboleki wakho unokuthatha ikhaya lakho ekukhuselweni . Iindaba ezilungileyo kukuba i-interest rates kwi-loan equity loan yasekhaya ingaphantsi kwamaxabiso kumboleko wokuthenga umhlaba.

Abathengisi bezentengiso: Ngokukodwa ukuba uya kusebenzisa ipropati yeenjongo zoshishino okanye utyalo-mali, ababolekisi bamashishini banokukhetha. Ukufumana imvume, kuya kufuneka uqinisekise ukuba igosa le mboleko liyimngcipheko. Ukuhlawulelwa kungadlulela iminyaka elishumi okanye ngaphantsi, kodwa iintlawulo zingabalwa ngokusebenzisa i- shedding schedule -year-year-30. Abathengisi bezentengiso banokuthi bahlale behlala xa kufikelelwe kwizinto zokubambisa. Bangakuvumela ukuba wenze iziqinisekiso zakho ngokuhlala kwakho, okanye unokukwazi ukusebenzisa ezinye ii-asethi (njengempahla yokutshala imali okanye izixhobo) njengobuncwane.

Ukuxhasa ngemali: Ukuba awukwazi ukufumana mboleko kwi-bhanki okanye kwimanyano yemboleko, umnini-mhlaba okhoyo unako ukulungele ukuthenga imali. Ngokukodwa kunye nomhlaba oluhlaza, abanini banokwazi ukuba kunzima kubathengi ukuba bafumane inkxaso-mali evela kubalimi bendabuko, kwaye abanako ukukhawuleza ukuphuma. Kuloo meko, abanini bafumana inkokhelo ephantsi, kodwa yonke into iyathengiswa. Ixesha eli-5 okanye eli-10 lokubuyisela eliqhelekileyo liqhelekile, kodwa iintlawulo zingabalwa ngokusebenzisa ishedyuli esongezelelweyo. Inzuzo yenkxaso-mali yomnini kukuba awuyi kuhlawula iindleko zokuvala ezifanayo oza kuhlawula ababolekisi bemveli (kodwa kusekufanelekile ukuhlawula ukuphanda isihloko kunye nemida - abanini-mhlaba abathembekileyo bangenza iimpazamo).

Ababolekisi abathile: Ukuba ulindele ixesha elifanelekileyo lokwakha okanye ukhetha ukuyila indlu yakho, mhlawumbi kufuneka usebenzise izi mbululo ezingentla. Kodwa ukuba unezicwangciso ezingavumelekanga zepropati yakho, kunokukho ubolekisi ogxininisa ekusebenziseni kwakho umhlaba. Ngokungafani neebhanki (esebenzisana nabantu bakha izindlu, inxalenye enkulu), ababolekisi abakhethekileyo benza ingqiqo yokuqonda iingozi kunye nezibonelelo kwezinye izizathu zobunikazi bomhlaba. Baza kuba banomdla wokusebenza kunye nawe kuba akudingeki ukuba bafumane i-off-off deal. Aba babolekisi bangabakho kwingingqi okanye kwilizwe, ngoko khangela kwi-intanethi nantoni na enayo engqondweni. Umzekelo:

• Ukugcinwa kwemithombo yendalo
• Ukuzihlaziya ngaphandle kwipropati yangasese
• Ifama okanye iifama zomoya
• Iibhola zokusasaza
• Ukusetyenziswa kwezoLimo okanye ukusetyenziswa kwemfuyo, kubandakanya ukuhamba, iifama eziphilayo, iifama zokuzilibazisa kunye nebhodi yebhola

Iingcebiso kubathengi

Yenza umsebenzi wesikolo ngaphambi kokuthenga umhlaba. Unokubona ipropati njengengubo engenanto egcweleyo, kodwa awufuni ukungena phezu kwentloko yakho.

Iindleko zokuvala: Ukongeza kwindleko yokuthenga, unokuba neendleko zokuvala xa ufumana mboleko. Khangela iifizi zokuqala, iifizi zokusebenza, iindleko zokukhangela zemboleko, iintlawulo ze-appraisal , kunye nokunye. Fumana ukuba uza kuhlawula phi, kwaye wenze isigqibo sakho sokugqibela sezimali kunye nala manani engqondweni. Kwipropati engabizi, iindleko zokuvala zingafikelela kwipesenti enkulu yentengo.

Fumana uphando: Musa ukucinga ukuba imigca yamanje yocingo, amanqaku, okanye "ecacileyo" ichaza ngokuchanekileyo umda wepropati. Fumana ingcali ukugqiba uphononongo lwemida uze uqinisekise ngaphambi kokuba uthenge. Abanikazi bemihlaba yangoku abanako ukungazi into abanayo, kwaye kuya kuba yinkathazo yakho emva kokuthenga.

Hlola isihloko: Ngokukodwa xa uboleka ngokungavumelekanga (usebenzisa ukulingana kwekhaya okanye umthengisi ngemali, umzekelo), yintoni eyenza ababolekisi bezakhono - ukukhangela kwincwadi. Fumana ukuba kukho naziphi na izibambiso okanye ezinye iimeko kunye nepropati ngaphambi kokunika imali.

Uhlahlo lwabiwo-mali ngezinye iindleko: Xa unemihlaba, unokuba kwinqanaba leendleko ezongezelelweyo. Ukuphonononga ezo ndleko ngokungekho naziphi na iintlawulo zemboleko ozenzile umhlaba. Iindleko ezinokwenzeka ziquka:

1. Umasipala okanye irhafu yengingqi (tshekisha nomcebisi wakho weerhafu ukuba ubone ukuba ufanelekile ukunqunyulwa)
2. Ininshurensi kwilizwe elingenamntu okanye izakhiwo ezishiyiweyo
3. Umbutho wabanini-bahlali (ii-HOA), xa kusebenza
4. Nakuphi na ukugcinwa okufunekayo, njengokulungiswa kwemigca yocingo, ukulawula amanzi, njl njl.
5. Iindleko zokwakha, ukuba ukhetha ukwakha, ukongeza iinkonzo, okanye ukuphucula ukufikelela kwipropati
6. Imirhumo yemvume, nangayiphi na into oyilungiselele kwipropati

Yazi iMithetho

Xa ubona umhlaba ongenawo umntu, unokucinga ukuba nantoni na inokwenzeka. Nangona kunjalo, imimiselo yendawo kunye neemfuno zendawo yokunciphisa imida zinciphisa oko ungakwenzayo - kwipropati yakho yangasese. Imithetho ye-HOA ingakhathazeka ngokukodwa. Thetha kunye namagunya asekuhlaleni, ummeli we-real estate, kunye nabamelwane (ukuba kunokwenzeka) ngaphambi kokuba uvumele ukuthenga.

Ukuba ufumanisa nayiphi na imiba enepropati onayo iliso lakho, cela malunga nokwenza utshintsho. Unokuba ungenalo inhlanhla, okanye unokukwazi ukwenza okufunayo emva kokulandela iinkqubo ezifanelekileyo (ngokugcwalisa iphepha kunye nokuhlawula imali). Kuya kuba lula xa ucela imvume ngaphandle kokuphazamisa abamelwane bakho.