Irenti ngenketho yokuthenga i-mietkauf
Usenokuba ngumnini wepropathi erentwayo, okanye urente ikhaya lakho "njengomnini ngengozi" ngenxa yokuba uzuze ilifa lepropati, okanye ngenxa yokuba ungathengisanga ipropati yangaphambili. Nokuba imeko yakho ithini na, qiniseka ukuba uyalwazi uxanduva lwakho lwezemali.
Ukuba unendawo yokuhlala, endaweni yokuba uthenge-to-let-let-let, kufuneka uxelele umbolekisi wakho ukuba kukho umntu oza kuhlala apho ngaphandle kwakho. Oku kungenxa yokuba imali yokubambisa yokuhlala ayikuvumeli ukuba urente ipropathi yakho.
Ngokungafaniyo nokuthengwa kwezindlu zokuhlala, izivumelwano zemvume yokurenta zilinganiselwe ngexesha. Ziqhelekile kangangethuba leenyanga ezili-12, okanye ixesha elide njengoko unexesha elimiselweyo, ngoko ke zinokuba luncedo njengesisombululo sexeshana.
Ukuba awumxeleli umbolekisi, iziphumo zinokuba mbi kakhulu, njengoko zinokuthathwa njengobuqhetseba bokuthenga ngezindlu. Oku kuthetha ukuba umbolekisi wakho unokufuna ukuba uhlawule imali-mboleko ngokukhawuleza okanye ubeke ikhonkco kwipropati.
Abanini-zindlu abanakukwazi ukutsala inzala yemali-mboleko kwingeniso yerenti ukunciphisa irhafu abayihlawulayo. Ngoku baya kufumana ikhredithi yerhafu esekelwe kwinzala ye-20% yeentlawulo zabo zokubambisa. Olu tshintsho kumgaqo lunokuthetha ukuba uya kuhlawula iirhafu ezininzi kunangaphambili.
Ii-plugins zokurentisa
Ukurenta indlu yakho, okanye igumbi nje, kunokuba yindlela entle yokwenza ingeniso eyongezelelweyo. Kodwa usenokuba uyazibuza: ndingarenta indlu yam ukuba ndinemali mboleko? Kuyaxhomekeka. Awunakukwazi ukurenta ikhaya lakho nge-mortgage yakho yangoku ukuba umbolekisi wakho akakuvumeli okanye uneemfuno ezingqongqo zokuhlala.
Imibuzo iyahluka: Ngaba ndingarenta indlu yam ngemali-mboleko eqhelekileyo? Ngaba kufuneka utshintshe imali yokubambisa ukuze urente indlu? Kwaye impendulo inokudideka kuba akukho mgaqo jikelele osebenza kuzo zonke iimeko kunye nabo bonke ababolekisi.
Xa ufumana imali-mboleko, umbolekisi ufuna ukwazi ukuba uceba ukuyisebenzisa njani ipropati. Ukuba uza kuzithathela ngokwakho, inika umngcipheko omncinci kunomntu ojonge ukuyisebenzisa njengepropathi yotyalo-mali kwaye ayiqeshise. Ngesi sizathu, iimali zokubambisa ezibanjwe ngabanini zikholisa ukuba neentlawulo eziphantsi, kulula ukuzifumana, kwaye zibonelela ngenzala ephantsi.
Xa ufumana imali yokubambisa, kufuneka unyaniseke malunga neenjongo zakho malunga nepropati okanye unokuhlawuliswa ngobuqhetseba ngokuhlala. Kodwa kwenzeka ntoni ukuba ekuqaleni uceba ukuhlala ekhaya kwaye izicwangciso zakho ziyatshintsha?
ukuhambelana ne-mortgage
Ukuba ungumnikazi wendlu yakho kodwa imeko yakho yangoku ayikwazi ukuhlawulela iintlawulo kwaye awukwazi ukufumana indawo yokuhlala engabizi kakhulu, unokuba nexhala lokuphulukana nepropati yakho. Zininzi izizathu ezinokubangela ukuba uzibone ukuloo meko, njengokudodobala kwezoqoqosho, utshintsho kubomi bentsapho, umhlala-phantsi, okanye iimeko ezikhethekileyo.
Oku kushiya iinketho ezimbalwa kubanikazi bezindlu kumda wokungagqibekanga. Kodwa unokusiguqula iskripthi ngokurenta ikhaya lakho kwaye ufumane imali ngelixa ugcina ubunini bekhaya lakho. Ngaba kunokwenzeka? Kunjalo. Kulula? Njengezigqibo ezininzi zemali malunga nezindlu, hayi. Kodwa ukuba uyayazi into oyenzayo, qiniseka ukuba uceba kwangaphambili kwaye wenze izigqibo ezifanelekileyo malunga nokuba ngubani ohlala ekhayeni lakho kwaye ixesha elide kangakanani. Ukufumana imeko elungileyo yokurenta ikhaya lakho kunokuba luncedo kuwe kunye nomqeshi wakho.
Ngokuchaseneyo nento onokucinga ngayo, kusenokwenzeka ukuba kukho imfuno engaphezulu yokuba ikhaya lakho uliqeshe kunokuba ucinga. Oko waqala ubhubhane, abaqeshi abaninzi bafuna amakhaya osapho olunye endaweni yamagumbi axineneyo edolophini. Ngokutsho kwe-US Census Bureau, izinga lezithuba zengqesho kuzwelonke kwikota yokuqala ka-2022 laliyi-5,8%, lisuka kwi-5,6% kwikota edlulileyo.
Urenta ukuba ube ngumnini eJamani
Nokuba ungumninimzi okokuqala okanye wandisa ipotfoliyo yepropathi yakho, imali yokubambisa ekhaya inceda wena okanye ishishini lakho uthenge ipropathi oyirentayo kwabanye abaqeshi. Sineentlobo ezininzi zeemali mboleko zokuthenga ikhaya, kubandakanywa ireyithi esisigxina kunye nezinga eliguquguqukayo. Singakunika isigqibo semali-mboleko kwangethuba, ngokusekelwe kuqingqo-maxabiso, ukufaneleka kunye nokubakho kwerenti yendawo ofuna ukuyithenga.
Nge-mortgage yokuthengwa kwekhaya eliqingqiweyo, inzala iya kuba yinto efanayo kwixesha elithile, umzekelo, iminyaka emi-5 okanye eyi-10. I-advanteji ye-mortgage ye-fixed-rate ye-mortgage kukuba ikunceda uhlahlo lwabiwo-mali ngokulula, ekubeni izinga lenzala liya kufana kubomi bekhontrakthi. Nangona kunjalo, ukuba uyayilahla imali-mboleko yendlu ngaphambi kokuphela kwexesha elimiselweyo, unokuhlawuliswa iintlawulo zembuyekezo kwangoko. Amaxabiso okuqala kwiimali-mboleko zexabiso elimiselweyo nazo ziphezulu kunezo zikwizinga eliguquguqukayo okanye ezilandela emva kokubambisa. Apha ngezantsi ungafumana ulwazi oluthe kratya malunga nexabiso elimiselweyo lemali mboleko yezindlu esizinikezelayo.
