Kufuneka uqiniseke ukuba ulungele ukuthenga ikhaya ngaphambi kokuba uthathe inyathelo lokwenza.
Yintoni eyenzekayo xa ndingenako ukwenza iiNtlawulo zemiboleko yam?
Xa ungeke ukwazi ukwenza iintlawulo zakho, umbolekisi wakho uya ku-default. Inkampani yemboleko inokubuyisela ekhaya ukusuka kuwe kwaye ukhutshwa ekhaya. Oku kungathi ngathi isisombululo kwingxaki, kuba awusayi kuhlala ekhaya. Nangona kunjalo, oku akuthethi ukuba awunabo uxanduva lomhlala-mboleko. Ngokuqhelekileyo, iibhanki ziza kuthengisa impahla yebhanki kwaye uza kuba noxanduva lokuhlawula umbahluko kwixabiso lokuthengisa kunye noko ufunwa ngemali mboleko. Oku kuthetha ukuba ukuba ikhaya lakho lihla ngexabiso okanye ukuba uboleke iindleko zonke zekhaya ukuba unokuphelisa imali yakho ekhaya emva kokuba kuthengiswa. Oku kunokuba nomphumo ongapheliyo kwikhredithi yakho.
Yintoni endiyenzayo Ukuba Ndiba nexesha elinzima Ukuhlawula imali yam?
Ukuba unenkcitho enzima ukwenza iintlawulo zakho, kufuneka uqhagamshelane nenkampani yakho yokubolekisa ngokukhawuleza ukuba ubone ukuba kukho nayiphi na inkqubo enokukwazi ukukunceda.
Unako ukufumana ilungelo lokunciphisa intlawulo yesikhashana okanye ukuhlaziywa kwentlawulo ephantsi kuxhomekeke kwindawo ohlala kuyo, kwaye ukuba uthe wadlulela ngenxa yemboleko okanye cha. Ukuba uhlawulwa ngemali-mboleko ukuze udelele, unganciphisa intlawulo yakho yenyanga, kodwa oku kwandisa inani lemali oza kulihlawula ngalo ubomi bentlawulo.
Ungaphinda ufune ukucinga ngokuthengiswa okufutshane kunokuba uhambise ikhaya lakho kwi-bhanki. Oku kungayona ndlela efanelekileyo yokujongana namatyala. Ngokuthengiswa okufutshane, ibhanki iyavuma ukuxolela inani olifunayo ekhaya. Kungaba nzima ukuba usebenze kunye nebhanki, kodwa unokufanelekile.
Ukongeza kokucela ibhanki ukuba uncede, unokufuna ukufumana iindlela zokwandisa ingeniso yakho ukuze uncede ukulungisa imeko yakho. Ukuthatha umsebenzi wesibini kunye nokwakha ingxowa-mali yongxamiseko kunokunceda ukulungisa le miba. Ukuba ngaba yingxaki yenkcitho yesikhashana, njengokulahlekelwa ngumsebenzi wakho, ukusebenzela imisebenzi embalwa yesikhashana kunokukunceda uhlale ekhaya lakho kwaye ugweme ukuwela emva. Unokuba ufuna ukwenza ubuchule ekukhuliseni imali, ukufumana umntu ohlala naye unokukhetha ngokuxhomekeka kwiimeko zakho.
Ukuba unenkcitho enzima yokwenza iintlawulo ngenxa yokuba isantya somyinge ishintshiwe, ke lixesha lokuhlaziya umyinge wokuhlawula imali. Uyakwazi ukunciphisa intlawulo yakho yenyanga ngokunciphisa inzala yakho. Ukuvala ngakumbi kwinqanaba lomdla kunokukhusela oku kungenzeki kwakhona. Ukuba oku akunjalo, kodwa unayo i-ARM, kufuneka uthabathe amanyathelo okuhlaziya imali yakho yangoku.
Yintoni Ndingayenza Ukukhusela Oku Kusenzekayo?
Into engcono kakhulu ongayenza kukusebenza ukukhusela oku kungenzeki.
Kunceda ukuba uhlale ulungele ukuthenga indlu . Oku kuthetha ukuba unemali egcinwe ukuhlawula imali ukuze ulingane kwikhaya lakho ukususela ngomhla owodwa. Oku kuthetha ukuba awuyi kugqiba ukuhlawulwa ngaphezu kwekhaya lakho okwangoku. Enye inyathelo kukuhlawula lonke ityala lakho labathengi okanye amakhadi enkonzo. Oku kukhulula ngaphezulu kwengeniso yakho kwaye kwenza kube lula ukulawula iintlawulo zendlu yakho. Ekugqibeleni, kufuneka uqiniseke ukuba uthengisa ikhaya onokuyithengisa . Ukuba uzolula kakhulu unokufumanisa ukuhlawulelwa yintlawulo yakho yendlu, enokubangela ukuphazamiseka.
Enye into ekufuneka uyicinge ngayo ngethuba elingakanani uceba ukuhlala ekhaya. Ukuba uthengisa ikhaya lokuqala, unokuceba ukuphucula kwiminyaka embalwa. Ukuba ungumsebenzi ofuna ukuba uhambe rhoqo, kufuneka uthabathe oko.
Ngokuqhelekileyo, kufuneka ube nako ukuhlala ekhaya lakho ubuncinane iminyaka emihlanu ukuze udibanise ukuthenga. Kubalulekile ukuthenga ikhaya xa ulungele kwaye kungekhona ukuba abanye abantu bakuxinzelela ukuba uthenge ikhaya ngoku . Qinisekisa ukuba ulungele imali ukuze ungapheli ukuzisola ngokuthenga kwakho ekhaya.