Ukuqeshisa kwi-Owner kunye ne-Seller Financing
Uninzi lwentlawulo kwiiprogram, umthengi / umninimzi unokukhetha "ukuthenga ikhaya ngexesha elizayo. Kuze kube lelo xesha, umnini / umninikhaya ungumnikazi wangempela wekhaya. Igama lomnikazi / umnini-mhlaba usemthethweni, kwaye lowo ngumntu ogcina uxanduva lokuhlawulwa kwemali (xa kukho) ekhaya.
Umnini-renter unelungelo lokuthenga indlu ngenye imini, kodwa umnini-mboleki akabophekanga ukuthenga. Ingakumbi, i-deal ingawela, kwaye umthengi / umnini-mhlaba akanakho ukugqiba ukuba nekhaya.
Xa umnini-mali esetyenzisiweyo, ubunini bepropthi bashintsha izandla ekuqaleni; umthengi / umninimzi uba ngumnini omtsha ekuvaleni. Umthengi uya kuhlawula umnikazi wangaphambili (mhlawumbi iminyaka emininzi) ngendlela ekhangeleka kakhulu efana nerenti yokuthenga, kodwa umthengi uhlawula umboleko emva kokuthenga okwenene- kungenzi iintlawulo zerhafu (okanye ezinye iintlawulo ezingasetyenziselwa ukuthenga okungekho okanye kungeke kwenzeke).
Ukufana, Izingozi
Nangona ukuqeshisa ukuba kube ngokwakho kuyahluke kakhulu kumthengisi wezimali, kukho ukufana okufanayo. Kwimeko apho, umthengi angenza iintlawulo kumthengisi ade umthengi athole imali mboleko kwenye indawo (ngokuqhelekileyo umthengi uya kufaka isicelo semboleko ngebhanki okanye umboleki wendleko ).
Ngeli xesha, umthengi usebenza ngokufanelekileyo ekwakheni isikweletu ukuze akwazi ukufumana imboleko. Kwakhona, umehluko omkhulu uhambelana nobunikazi xa udluliselwa.
Ixesha lokutshintshwa kobunini kubalulekile kuba ngalinye iqela linemiqobo eyahlukeneyo, kuxhomekeke ekubeni ingaba ayinayo loo propati.
Ngokomzekelo, kwingqekembe ukuba ibe nomthengi, abathengi banomngcipheko wokuba umnini / umninikhaya angaphumeleli ukwenza iintlawulo zemboleko kunye nokulahlekelwa kwipropati ngokuchithwa kwempahla - kwimeko apho, abathengi babeya kuba ngcono xa bathengisa imali (okanye bathenge ikhaya ngemboleko yemveli). Abathengi nabo baqhuba umngcipheko wokubambisana kwabo ngaphandle kokuba bengenako ukwenza iintlawulo zenyanga (ingakumbi ukuba umnini ukhuthazwa ukuba asebenzise le meko).
Ngemizekelo engentla, unokucinga ukuba kulungele ukuba ngumnikazi wekhaya, kodwa nabanikazi banokuthatha ingozi enkulu. Abathengi baninzi xa bezinikezela ngemali-mali : ukuba umthengi akahlawuli (okanye unokuthi ' ufumana imali-mboleko), umthengisi angadinga ukunqabisa phambili ekhaya. Oko kuthetha ukuhlawula iirhafu zomthetho nokukhupha umthengi, kungakhangeli ukufumana omnye umthengi.
Naluphi na uhlobo lwenkqubo, kukho iingxaki ezininzi kunye nezinto ezinokungahambi kakuhle, akufanele zikumangalise ukuba unamaqela amabini (okanye ngaphezulu) anomdla kwipropati. Ukuba ucinga ngolu hlobo lweendlela, qiniseka ukuba ufunde malunga nobungozi ngokuthetha nommeli wengingqi yendawo yokuhlala. Kunzima ukuzicingela zonke iingqungquthela, kodwa zininzi zazo ukuba zingayihoywa, kwaye uchwepheshe angakunceda ukuba ufumanise ukuba kulungele umngcipheko.