Ixesha lokuqala Iimpazamo zoMthengi wasekhaya
Ukwamkela isipho sokuthenga indlu kufana nokuleqa kwembaleki ebudeni bogqatso lomgama omde. Kodwa bambelela kwi-champagne: ipropati ayikabi yeyakho. Nje ukuba isithembiso sokuthenga samkelwe kwaye phambi kokuba ufumane izitshixo - into eyaziwa ngokuba yi-escrow - mininzi imiqobo onokuyinqoba. Ukuba ukhubeka kuyo nayiphi na kuzo, ukuthenga kunokusilela kwaye kukubuyisele kumgca wokuqala.
Njengomgijimi oqeqeshelwa ukhuphiswano, ungaziqeqeshela amanyathelo anzima okugqibela okuthenga ikhaya. Imithetho ye-Escrow kunye neenkqubo ziyahluka ngokwelizwe, kodwa nantsi i-10 yemibandela eqhelekileyo evela ngeli xesha kwaye yintoni, ukuba kukho nantoni na, enokwenziwa ukuphepha okanye ukunciphisa.
Umbolekisi uya kuba nekhaya lihlolwe ukuba lijonge izinambuzane. Yenziwa ngeendleko zakho-ngokuqhelekileyo ngaphantsi kweedola ezili-100-ukuqinisekisa ukuba akukho monakalo omkhulu kwizinambuzane ezitya iinkuni ezifana neentubi okanye iimbovane ezichwela. Olu hlolo lukhusela umdla wombolekisi kwipropati. Emva kokuba befudukile, abaninimzi abafumanisa ukuba kukho iingxaki zeentubi badla ngokuyishiya loo ndlu, beshiya umbolekisi ekwimeko emaxongo. Abanye ababolekisi abafuni ukuhlolwa kwentubi, kodwa unokufuna enye.
Olona suku lubi kakhulu lokuvala indlu
Njengomthengisi, kubalulekile ukulungiselela inkqubo yokuhlolwa kwekhaya kwaye uyazi indlela yokuthethathethana emva kokuhlolwa kwekhaya ukuba kuvela iindaba ezingezizo. Emva kwayo yonke loo nto, phakathi kwabathengisi abaye babona intengiso iwa, i-15 pesenti yayingenxa yomthengi oxhasayo emva kwengxelo yokuhlola.
Olwenziwa ngumhloli wekhaya oqeqeshiweyo onelayisensi, uhlolo lwekhaya luphononongo olucokisekileyo lwekhaya elithengiswayo, olusekelwe kuvavanyo olubonakalayo kunye novavanyo lweenkqubo kunye namalungu ekhaya. Isiphumo yingxelo yokuhlolwa kwekhaya, echaza ubume bangoku bekhaya kunye nokwazisa abathengi ngayo nayiphi na imiba emikhulu. Uninzi lwabathengi bacela ukuhlolwa kwekhaya xa bethenga ukuphepha ukuchitha amawaka (okanye ngaphezulu) ekulungisweni okungalindelekanga emva kokuvalwa, kunye nokuzikhusela ekuhlawuleni ngaphezulu kwepropathi.
Imeko engalindelekanga yokuhlolwa kwekhaya sisongezo kwikhontrakthi yonikezelo evumela umthengi ukuba enze uhlolo kwaye aphume kwisivumelwano ukuba abanelisekanga ziziphumo. Ngamanye amaxesha (kwaye ngokuqhelekileyo kwimarike yomthengisi okhuphisana kakhulu), abathengi banokuyeka ilungelo labo lokuhlola ukuze benze isivumelwano sabo sibe nomtsalane ngakumbi kumthengisi.
Ukuthengisa indlu ngaphambi kokuba ixesha lokubambisa liphelile
Ngokubanzi, imali-mboleko yendlu yokuqala ingasetyenziselwa ukuthengwa kwendlu okanye indlu, ukulungiswa, ukwandiswa kunye nokulungiswa kwendlu ekhoyo. Uninzi lweebhanki lunomgaqo-nkqubo owahlukileyo kwabo baya kuthenga ikhaya lesibini. Khumbula ukubuza ibhanki yakho yorhwebo ngengcaciso ethile kule miba ingentla.
Ibhanki yakho iya kuvavanya amandla akho okubuyisela xa isenza isigqibo sokufaneleka kwakho kwimali mboleko yendlu. Amandla okubuyisela asekelwe kumvuzo wakho wenyanga olahlayo/intsalela, (ethi yona isekelwe kwimiba efana nerenti yenyanga iyonke/intsalela yeendleko zenyanga ezingaphantsi) kunye neminye imiba efana nomvuzo weqabane, ii-asethi, amatyala, ukuzinza kwengeniso, njl. Eyona nto iphambili yebhanki kukuqinisekisa ukuba uyibuyisela ngokukhululeka imali-mboleko kwangexesha kwaye uqinisekise ukuba iyayisebenzisa okokugqibela. Okukhona iphezulu ingeniso yenyanga ekhoyo, kokukhona iphezulu isixa-mali ekuya kufuneka ukuba usiboleke. Ngokwesiqhelo, ibhanki ithatha malunga ne-55-60% yomvuzo wakho olahlayo/intsalela yenyanga ekhoyo ukuze kubuyiswe imali-mboleko. Nangona kunjalo, ezinye iibhanki zibala ingeniso ekhoyo yentlawulo ye-EMI ngokusekelwe kumvuzo opheleleyo womntu kungekhona umvuzo wabo onokulahlwa.
Iimpazamo ezinkulu xa uthenga ikhaya
BONANI: Ngexesha lenkomfa yabezindaba ngoLwesithathu, iRhuluneli yeBhanki yaseCanada uTiff Macklem uthe ngenxa yokuqhubeka kokuphazamiseka kokubonelela kunye nokunyuka kwamaxabiso amandla, ibhanki ephakathi ngoku ilindele ukuba amazinga okunyuka kwamaxabiso onyaka aqhubeke nokunyuka ukuya kwipesenti ezintlanu ekupheleni kunyaka ngaphambi kokuba babuyele kwiipesenti ezimbini ekujoliswe kuzo ekupheleni kuka-2022-Okthobha 27, 2021
NgoLwesithathu, ibhanki ephakathi yaseCanada ithe igcina inzala yayo ephambili kwi-0,25 yeepesenti, apho ikhoyo ukusukela ngoMatshi ka-2020. Kodwa iinkcukacha zesibhengezo somgaqo-nkqubo wezoqoqosho ziye zabahlalutyi abalumkisile ukuba kungenzeka ukuba inzala inyuke kwangoko kwaye ngokukhawuleza kunokuba bekulindelwe.
Olo qikelelo luhlaziyiweyo lunempembelelo kubaboleki bangoku kunye nabexesha elizayo, kuquka abo bathenga amakhaya kunye nabo banemali yokubambisa ngoku: “Ngaphandle kwentlekele yoqoqosho, amaxabiso azonyuka. Kwaye baya kunyuka ngaphambi kokuphela kwentwasahlobo, kungekudala, ”utshilo uRobert McLister oyingcali yokuboleka imali. Ibali liyaqhubeka kwintengiso elandelayo
Ngelixa lokunyuka kwamaxabiso, ibhanki ephakathi yabonisa ukuba ukunyuka kwexabiso lokuqala kunokuthi kwenzeke ngokukhawuleza kwikota ka-Aprili-Juni ka-2022.
