Ukuthenga ikhaya liphupha lobomi bonke kwiintsapho ezininzi, kodwa kunokuba nzima kubantu abaninzi ukufezekisa ngeendlela zemveli ezinje ngokubambisa kunye nezinye iindlela zokuxhasa ngemali. Iinketho zokurenta ziye zakhula ekuthandeni ngenxa yokuba zihlala zigcwalisa eso sikhewu kwaye zincede abantu bathenge ngaphandle kwe-mortgage yakudala. Nangona kunjalo, ezi zicwangciso ziza kunye nemingcipheko ebalulekileyo enokuthi ingabonakali ekuqaleni. Nazi izinto ezilishumi ekufuneka uzazi malunga nezindlu zokurenta phambi kokuba utyikitye naziphi na iimvumelwano zokuqeshisa.
Usahlawula iRenti
Njengoko igama lisitsho, amakhaya arentwayo asabandakanya ukuhlawula irenti kumnini-mhlaba. Amagama achanekileyo anokwahluka ngokubanzi, kodwa ngokubanzi, uya kuba uhlawula amaxabiso emarike afanelekileyo. Usenokubhatala imali encinci nyanga nganye, ebekwa kwixabiso lokuthenga ikhaya. Ngokomzekelo, ukuba urenta indlu exabisa i-,000 ngenyanga kwirenti, unokuhlawula i-,250 ngenyanga. I-,000 iya kumnini-mhlaba wakho, ngelixa i-0 ibekwe kwixabiso lokuthenga.
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Inketho yokuthenga
Amanye amakhaya okurenta awabandakanyi naziphi na iintlawulo ezongezelelweyo nyanga nganye, kodwa kunokufuneka uhlawule isixa esikhulu kwasekuqaleni njengokhetho lokuthenga. Oku kuthetha ukuba umnini-mhlaba ubophelelekile ukuba akuthengisele wena indlu kuphela ngaphandle kokuba ugqibe ekubeni ungayithengi. Le inokuba yindlela entle yokutshixa kwikhaya lakho lamaphupha ukuba ufuna ixesha lokugcina intlawulo ephantsi okanye uphucule ikhredithi yakho ngokwaneleyo ukuze ukwazi ukufumana imali yokubambisa.
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Uya Snuza, Ulahlekile
Amakhaya arentisayo eza nomngcipheko omkhulu kumthengi. Ukuba imeko iyatshintsha kwaye awusakwazi ukuthenga indlu, uya kuphulukana nayo yonke imali oyihlawule ukuza kuthi ga ngoku. Ngokungafaniyo nediphozithi yokhuseleko, imali oyihlawulayo ukukhetha indlu ayibuyiswa ngokubanzi. Uninzi lwezivumelwano zikwachaza ukuba umnini-mhlaba wakho kufuneka agcine nayiphi na imali yenyanga okanye enye imali ehlawulwayo ngexabiso lokuthenga. Ukuba uza kuziqeshisa, qiniseka ukuba unengeniso ezinzileyo kunye nesicwangciso esiluqilima.
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Ngubani Ojongene Nokulungisa?
Kwindawo yerenti yesiqhelo, umnini-mhlaba unoxanduva lwalo lonke ulungiso kunye nolondolozo. Nangona kunjalo, kwiimeko zokuqeshisa, loo mbopheleleko inokuwela kumqeshi. Ngenxa yoko, kubalulekile ukuba abaqeshi babe ne-inshurensi elungileyo kunye nengxowa-mali yokonga eqinileyo yokuhlawula ulungiso olungxamisekileyo. Kwelinye icala, ezi zivumelwano zikholisa ukunika abaqeshi inkululeko engakumbi yokulungisa nokuhlaziya ikhaya, ngoko ke inokuba yinto enkulu kubantu abafuna indawo yokuhlala elungiselelwe ngakumbi.
kuphuma nini ukophulwa kokhuseleko
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Imigaqo neMimiselo
Uninzi lwamazwe anemithetho ethe ngqo ebandakanya ubudlelwane bomnini-mhlaba kunye nomqeshi, kodwa ikhontrakthi yokurenta ingayitshintsha loo nxaki. Abaqashi abakule meko banokuba nokhuseleko olumbalwa kunabaqeshi bemveli. Ngokomzekelo, igatya eliqhelekileyo limisela ukuba xa uhlawula irenti emva kwexesha, imali eyongezelelweyo oyihlawulayo ngaloo nyanga ayiyi kufakwa kwixabiso elithengwe yindlu. Qiniseka ukuba ufunda zonke izivumelwano ngononophelo.
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Ukuvunywa kwangaphambili ngumbono olungileyo
Nokuba awukakulungeli ukuthenga, ukufumana imvume yangaphambili kwi-mortgage ngumbono olungileyo. Ekubeni abaqeshi bemele ukuphulukana nayo yonke imali eyongezelelweyo abayifaka endlwini, kubalulekile ukuqinisekisa ukuba unako ukuyihlawula ngokwenene ngaphambi kokuba usayine isivumelwano kunye nokungena.
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Ukuba bhetyebhetye kunye neNkululeko
Ke kunini ukurenta ukuze ube nesigqibo esilungileyo? Ukuba uthandana nendlu ethile kwaye ucinga ukuba ufuna ukuhlala kuloo ndawo kodwa ungaqinisekanga ncam, lixesha elifanelekileyo lokucinga ngokurenta ukuze ube neyakho (ukhumbula, ngokuqinisekileyo, ukuba unokuphulukana noko ukuhlawuleleyo. kude ukuba utshintshe ingqondo). Inokukunceda ukuba uqale ukuhlawula phantsi ixabiso lokuthenga ngelixa ngaxeshanye ulondolozela intlawulo ephantsi.
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Imbono yoMnini-mhlaba
Ngokwembono yomnini-mhlaba, ukurenta ukuba ube ngowakho kunokuba luncedo kakhulu. Ayiqinisekisi kuphela ingeniso ezinzileyo ngaphandle kobunzima bokurenta ngokwesiqhelo, kodwa ikwanceda ekuqinisekiseni ukuba abaqeshi batyala imali kwipropati kwaye baya kuyinyamekela kakuhle. Abanini-mhlaba nabo baza kuxhamla ngokwasemalini ukuba umqeshi ugqiba ekubeni angathengi ekupheleni kwexesha lokuqeshisa.
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Uza Kuhlawula Yimalini?
Into ekhohlisayo malunga nezicwangciso zokurentisa kukuba kukho umgangatho omncinci kakhulu, ngoko ke kunzima ukuthetha ngamaxabiso. Ngokubanzi, ukhetho oluninzi lujikeleze ipesenti ezintathu ukuya kwezisixhenxe zexabiso lilonke lokuthenga. Iirenti zenyanga nazo zinokwahluka kakhulu ngokuxhomekeke kwimarike yendawo. Unenkululeko yokuthethathethana ngawo nawaphi na amaxabiso asebenza kakuhle kuwe, kwaye umnini-mhlaba onokuba ngumnini-mhlaba unenkululeko yokuvuma okanye ukwala isithembiso sakho.
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Ingaba Isivumelwano Sokuqasha Side Kangakanani?
Njengeendleko, imiqathango yokuqeshisa yahluka kakhulu. Nangona kunjalo, zihlala zinde kakhulu kunendawo yokuhlala eqhelekileyo. Uninzi lwezindlu zokurenta zihlala iminyaka emithathu ubuncinci, nto leyo enika umqeshi ixesha elaneleyo lokonga imali kwaye afumane inkxaso-mali yokuhlawula ixabiso lilonke elithengiweyo. Ezinye iirenti zinokuba yiminyaka elishumi okanye ngaphezulu.
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