Iinzuzo kunye neengozi zeekati zangaphandle
Xa isilwanyana esitsha samkelwa ekhaya, ngoko nangoko siba lilungu lentsapho. Yiyo loo nto kubalulekile ukwazi iindleko zokwenyani zokukhathalela isilwanyana sasekhaya ngaphambi kokuba usizise ekhaya. Ukuba ufuna umhlobo onoboya, qwalasela iindleko zokuqala kunye nexesha elide lokuba nenja okanye ikati, kunye nohlahlo lwabiwo-mali kuzo zonke iindleko ezinokubakho ukugqiba ukuba unako ukuthenga enye. Nanga amanye amacebiso okukunceda uqalise.
Ukongeza kwiindleko zokuqala, kunyaka wokuqala wokugcina isilwanyana, ezinye iindleko ziya kuvela. Ngokutsho kwe-ASPCA (i-American Society for the Prevention of Cruelty to Animals), nantsi uqikelelo lwento onokuyilindela kwiindleko zokuqala zesilwanyana. Ekubeni izinja kunye neekati zezona ntlobo zixhaphakileyo zezilwanyana zasekhaya e-United States, siya kuthelekisa iindleko zobunini bezinja kunye neekati.
Iindleko zonyaka wokuqala wokuba nenja ngumyinge wee-$1.455. Iindleko zonyaka wokuqala wokuba nekati zimalunga ne-1.105 yeedola. Ukwazi ezi ndleko ngaphambi kwexesha kunokukunceda ukuba ubone ukuba isilwanyana esitsha sikulungele wena kunye nohlahlo lwabiwo-mali lwakho.
Umthetho wekati wangaphandle
Iipolisi ze-inshorensi yezilwanyana zasekhaya kuphela ezibonelela ngeyona nto ingcono ngokweempawu kunye nezibonelelo ezinokulindela ukufumana ireyithingi yethu yeenkwenkwezi ezine nezintlanu. Abathengi abakhetha iimveliso ngenye yezi zilinganiso banokuqiniseka ukuba bathenga eyona nto ingcono kwimarike.
Abanini bezilwanyana abaninzi bajonga ikati okanye inja yabo ethandekayo njengenye yosapho. Ngelishwa, xa isilwanyana sasekhaya sigula, amatyala e-vet ayongeza ngokukhawuleza. I-inshurensi yesilwanyana sasekhaya inceda ukuhlawulela iindleko zonyango lwezilwanyana xa kwenzeka ikati yakho, inja, okanye esinye isilwanyana sasekhaya sigula okanye sonzakala.
Ukongeza, ukuba unqwenela, unokwandisa i-coverage ukubandakanya ezinye iingozi, ezifana netyala loluntu (ukuba inja yakho ihlasela kwaye yenzakalise esinye isilwanyana okanye umntu, okanye yonakalise impahla yomnye umntu), iindleko zokugcina ikati okanye inja yakho indawo yogcino lwemini okanye ihoko ukuba iyagula kwaye kufuneka iye esibhedlele okanye kwiziko lokhathalelo lwexeshana, kunye nexabiso lokubuyisela kwimeko yokuba isilwanyana siye sabiwa okanye silahlekile.
Uninzi lwabantu luthengela inja okanye ikati i-inshurensi, kodwa ukhuseleko aluphelelanga kubahlobo bethu abanemilenze emine. Kuyinto enokwenzeka ngokugqibeleleyo uku-inshurensi inani lezilwanyana zasekhaya, ezifana neehamster, imivundla, iihagu zeGuinea okanye nayiphi na enye onokuthi uyifumane kwivenkile yezilwanyana. Ezinye iintlobo zeentaka, ezifana neeparakeets okanye izikhwenene, nazo zinokufakwa kwi-inshurensi.
IiMfuno zoMlimi ezisebenzayo
Ixesha lemali-mboleko. Ikhontrakthi imisela umhla wentlawulo yokuqala neyokugqibela. Okukhona ixesha elide, intlawulo isezantsi, kodwa iphezulu inzala. Ngoko ke, ekugqibeleni uhlawula ngaphezulu. Umrhumo wenyanga kufuneka ungagqithi kwi-35% yomvuzo wakho oseleyo.
Umthengisi zindlu. Ngumsebenzi oqeqeshiweyo osebenza njengomlamli phakathi kwamaqela amabini anomdla ukuququzelela ukusayinwa kwekhontrakthi yendawo yokuhlala, enokuthi ibe yirenti, intengiso okanye olunye uhlobo. Ngokuqhelekileyo bahlawula ipesenti yexabiso lentengiso njengembuyekezo okanye ikhomishini.
Ireyithi eLinganayo yoNyaka. Iindleko ezisebenzayo zonyaka ze-mortgage ngokwenzala, iikomishini kunye nexesha lokuhlawula imali. Ukuthelekisa iimali-mboleko, akwanelanga ukujonga i-APR ephantsi, kodwa kufuneka uqhathanise iimeko, ixesha lokubuyisela kunye nokusabalalisa izavenge.
Ixabiso lekhaya eliqinisekisiweyo yinkampani yovavanyo olukhethekileyo, ngokuhambelana nomthetho wemarike ye-mortgage. Esi satifikethi asibonisi nje ixabiso lokwenyani lepropati, kodwa likwasebenza njengesalathiso sokufumana imali efunekayo.
Ukugcina iikati zangaphandle zikhuselekile kumarhamncwa
Ukuthenga ikhaya kunokuba lucelomngeni kubantu abaqalayo ukuthenga ikhaya. Ngapha koko, maninzi amanyathelo, imisebenzi, kunye neemfuno, kwaye unokuba nexhala ngokwenza impazamo enkulu. Kodwa abokuqala bathenga amakhaya bayonwabela ezinye izinto ezikhethekileyo ezenzelwe ukukhuthaza abantu abatsha kwimarike yezindlu.
Ukuphelisa inkqubo ukuze ufumane okuninzi ekuthengeni kwakho, nantsi uluhlu lwezinto omawuziqwalasele phambi kokuba uthenge kwaye ulindele ntoni kwinkqubo yokuthenga ngokwayo, kunye neengcebiso zokwenza ubomi bube lula.lula emva kokuba uthenge ikhaya lakho lokuqala.
Ukuthenga ikhaya kusajongwa njengomba ophambili wephupha laseMelika. Njengomthengi wokuqala, unokufikelela kwiinkqubo zikarhulumente, ikhefu lerhafu, kunye neemali-mboleko ezixhaswa ngurhulumente ukuba awunayo intlawulo ephantsi eqhelekileyo-ngokuqinisekileyo, i-20% yexabiso lokuthenga kwimali-mboleko eqhelekileyo-okanye ilungu leqela elithile. Kwaye unokufaneleka njengomthengi wokuqala nokuba awungomntu wokuqala.
Isinyathelo sakho sokuqala kukufumanisa ukuba zeziphi iinjongo zakho zexesha elide kunye nokuba ukuthenga ikhaya kuhambelana njani nezo njongo. Mhlawumbi ufuna ukuguqula zonke ezo "zimoshekileyo" iintlawulo zerenti zibe yintlawulo yokubambisa ekunika into ebonakalayo: ukulingana. Okanye ubona ubunini bekhaya njengophawu lokuzimela kwaye uyonwabele umbono wokuba nekhaya lakho. Kwakhona, ukuthenga indlu kunokuba lutyalo-mali oluhle. Ukunciphisa iinjongo zakho zokuthenga ikhaya elikhulu kuya kukukhomba kwicala elifanelekileyo. Nantsi imibuzo emithandathu ekufuneka uyiqwalasele:
