Ukuthenga ikhaya sesinye sezona zigqibo zezimali zikhulu onokuthi uzenze, nto leyo eyenza ukuba kubonakale kunzima ngamanye amaxesha. Nangona kunjalo, akufuneki kube njalo. Ukuba uthatha ixesha lakho kwaye wenze uphando lwakho, unokuqinisekisa ukuba ufumana ipropathi yamaphupha akho. Nokuba ngoku ukwimarike yendlu entsha okanye ulungiselela nje ukuba ulungele ukuthenga, isikhokelo sabaqalayo bokuthenga indlu sinokukunceda ukuba ujonge inkqubo.
Cinga ngeeMfuno zakho kunye nezinto ozifunayo
Ayikho into efana nendlu egqibeleleyo, kwaye ukukhangela enye kunokukuchitha ixesha kunye nemali. Endaweni yoko, kungcono uqalise inkqubo ngokuchonga eyona nto uyidinga ngokwenene kunye nento obhetyebhetye ngayo. Usapho olukhulu lunokufuna inani elithile lamagumbi okulala, umzekelo, ngelixa loo yadi enkulu okanye umbono omhle unokungafuneki kangako. Ukufumana umbono oqinileyo wento oyifunayo kunokukunceda ukuba uphephe ukubanjiswa kakhulu yimincili yendlu entle engazanelisiyo iimfuno zakho.
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Bala ukuba yimalini na indlu onokuthi uyifumane
Wonke umntu unemeko yezemali eyodwa, ngoko akukho mpendulo ilingana nenye, apha. Nangona kunjalo, ukuqiniseka ukuba ikhaya lakho lihambelana nebhajethi yakho kubaluleke kakhulu. Ngokubanzi, kungcono ukuphepha imali yokubambisa ngenyanga engaphezu kwama-28 ekhulwini kumvuzo wakho wenyanga. Ikwangumbono olungileyo ukujonga kuphela izindlu eziwuphinda kabini ukuya kathathu umvuzo wakho wonyaka. Ukuba awuqinisekanga ngento onokukwazi ukuyifikelela, cinga ngovavanyo apho ugcina yonke imali onokuyichitha kubunini-khaya.
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Yonga Ngentlawulo ePhantsi
Isihloko sokuba yimalini yokubeka phantsi kwindlu yinto enzima, kodwa ngokuqinisekileyo kuya kufuneka uchithe into ethile. Abanye ababolekisi banikela ngemali-mboleko kubantu abaneepesenti ezi-3.5 zokubeka phantsi. Nangona kunjalo, okukhona ubeka phantsi, kungcono, ngokubanzi. Uninzi lwezindlu zokubambisa lufuna iipesenti ezintandathu ukuya kwishumi lexabiso lekhaya njengentlawulo ephantsi. Amashumi amabini eepesenti angcono, kodwa ngaphaya koko, unokubona ukuncipha kwembuyekezo.
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Thenga ngeenxa zonke kubabolekisi
Enye yezona mpazamo zixhaphakileyo -- kwaye ziyingozi -- iimpazamo ezenziwa ngabathengi bokuqala ekhaya ayikuthengi malunga neyona mboleko ingcono. Nokuba uyayithanda kwaye uyayithemba ibhanki yakho, isenokungabi namaxabiso angcono akhoyo. Thetha ubuncinane abathathu okanye abane ababolekisi ukuze ufumane ufifi lwento ekhoyo kunye nento ofanele ukuyifumana. Ukuba uhlala kwimarike enkulu okanye ekhuphisanayo, unokude ufune ukuqesha i-mortgage broker ukwenza uphando kunye nothelekiso kuwe.
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Lungiselela Iindleko Ezingalindelekanga
Xa kuthengwa ikhaya, abantu abaninzi bagxila kwi-mortgage kunye nentlawulo ephantsi. Nangona kunjalo, kubalulekile ukulungiselela imirhumo emincinci enokuthi ikhule ngokukhawuleza endleleni. Kuya kufuneka uhlawulele ukuhlolwa, i-inshurensi yabaninimzi, iifizi zokuvala kunye nokulungiswa okungxamisekileyo. Qinisekisa ukuba ubekela bucala amawaka ambalwa eedola kwezi. Ukuba nekhredithi eyongezelelweyo efumanekayo, njengekhadi letyala okanye umgca wokuthenga ngetyala, ikwangumbono olungileyo kwimeko kaxakeka.
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Sebenza neRealtor oyithembileyo
Abanye abantu bajonga yonke inkqubo yokuthenga ikhaya bodwa, kodwa i-ejenti yendawo yokuhlala inokwenza inkqubo ibe lula xa ungenamava. Unokukunceda ukuba ufumane uluhlu onokuthi ungafikeleli kulo ngenye indlela kwaye ngokubanzi akuhambise kwinkqubo yokuthenga ikhaya. Ukufumana umthengisi, cinga ngokucela iingcebiso kubahlobo kunye nosapho. Ungoyiki ukudibana nabantu abaninzi abaza kuba ziiarhente ngaphambi kokuba wenze isigqibo sokugqibela. Nje ukuba ukhethe enye, jonga iphepha-mvume labo kunye nebhodi yelayisenisi yelizwe lakho ukuze uqiniseke ukuba iyasebenza kwaye ikwimeko entle.
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Cinga ukuba loluphi uhlobo lwe-Mortgage oluLungileyo
Zininzi izinto ekufuneka uziqwalasele xa ukhetha imali yokubambisa, ngoko ke kubalulekile ukuqwalasela iimeko zakho. Ngokomzekelo, ukuba uceba ukuhlala kuphela kwikhaya iminyaka emihlanu okanye elishumi, ke intlawulo yokubolekwa kwemali ehlengahlengiswayo kunye nezinga elisezantsi elimiselweyo linokuba lukhetho oluhle. Nangona kunjalo, ukuba uceba ukuhlala apho ixesha elide, ireyithi ehlengahlengiswayo inokubangela ukuba iintlawulo zakho zinyuke kakhulu, ngoko ke intlawulo yemali-mboleko ekumgangatho omiselweyo inokuba ngcono. Kufuneka kwakhona ucinge ukuba ufuna ukuthatha ixesha elingakanani ukuyihlawula. Iminyaka elishumi elinesihlanu yinjongo elungileyo, kodwa imali yokubambisa iminyaka engama-30 inokukongela imali ekuhambeni kwexesha ukuba utyala umahluko ngobulumko.
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Fumana Uvunywe Kwangaphambili
Ukufumana imvume yangaphambili kwi-mortgage yakho ayibalulekanga, kodwa ngumbono olungileyo. Ikuvumela ukuba wazi ngokuqinisekileyo ukuba uyakufanelekela ukubolekwa imali oyifunayo, kwaye iqinisekisa umthengisi ukuba ungasixhasa isinikezelo sakho ngentlawulo yokwenyani. Ikwakhawulezisa iinkqubo zokugqibela zokufaneleka kunye nokuvala ukuze ungene kwikhaya lakho elitsha ngaphandle kobunzima obuncinci. Icala elisezantsi lelokuba liyakuvalela kumbolekisi othile wemali-mboleko, kodwa oko akufanele kube yingxaki ukuba uthengile.
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Yenza Owakho Umsebenzi
Ngelixa inxalenye enkulu yomsebenzi wakho we-arhente yezindlu kukubeka iliso kwizintlu kwaye ufumane amakhaya okukubonisa, kunokwenzeka ukuba amanye amakhaya aze athengiswa ngaphandle kokwenza uluhlu olusemthethweni. Yongeza ulwazi lomthengisi wakho ngokugcina iliso lakho kumakhaya anomdla kuwe. IiWebhusayithi zisisixhobo esihle sokukhangela uluhlu lwasekhaya, kodwa nokujonga nje ukukhangela iimpawu 'zokuthengisa' kunokukunceda ufumane ikhaya lamaphupha akho.
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Musa Ukoyika Ukuthethathethana
Nje ukuba uyifumene indlu egqibeleleyo, lixesha lokuba wenze umnikelo. Ungazami ukwenza i-lowball kumthengisi, njengoko oko kunokubangela ukuba bakhabe isipho sakho ngokukhawuleza. Nangona kunjalo, ungoyiki ukunika isixa esifanelekileyo esingaphantsi kwexabiso abalicelayo. Yithathele ingqalelo imeko yekhaya. Unokufuna ukubandakanya amaxabiso okulungisa kunye nokutshintshwa kwikhontrakthi yokugqibela. Abathengisi banokungalamkeli isithembiso sakho kwangoko, kodwa kuvula umnyango wothethathethwano ukukunceda ufumane eyona bhangi yakho.
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