imali yokuthenga izindlu
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezibali zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Iintlawulo eziqikelelweyo kuqikelelo lwemali-mboleko ziquka
Ukugqitywa kwe- mortgage ngumqobo wokugqibela oza kujongana nawo ngaphambi kokuba ufumane izitshixo zekhaya lakho elitsha. Yinto enika umdla kakhulu. Kodwa kwinyathelo lokugqibela, unokuzibuza, ngoobani ababandakanyekayo kwi-mortgage?
Kuhlala kukho amaqela amabini aphambili kwi-mortgage: i-mortgagor kunye ne-mortgagor. Umntu oboleka imali nguye owenza isivumelwano semali-mboleko, ngelixa umntu oboleka imali engumboleki okanye iziko elinika imali-mboleko yendlu.
Umbolekisi uya kukubuza amaxwebhu amaninzi kunye nolwazi xa ufaka isicelo semali mboleko. Ezinye zazo zibubungqina bamaxwebhu engeniso (i-pay stubs, i-W-2, njl.), izitetimenti zebhanki, kunye neengxelo zerhafu. Ukuba uthenga ikhaya nomnye umntu, njengeqabane okanye ilungu lentsapho, qiniseka ukuba loo mntu ukulungele ukufaka isicelo semali-mboleko kwaye unolwazi lwezemali olukhoyo.
Ekugqibeleni, ukuba kukho isiganeko esinokuchaphazela umvuzo wakho okanye amanqaku akho ekhredithi, xelela umbolekisi wakho. Eminye imizekelo kukufumana umsebenzi omtsha, ukuvula okanye ukuvala iakhawunti yetyala, nokuthenga isithuthi.
iindleko zokuvala
Ukubhengezwa: Eli nqaku liqulethe amakhonkco adibeneyo, okuthetha ukuba sifumana ikhomishini ukuba ucofa ikhonkco kwaye uthenge into esiyicetyisiweyo. Nceda ujonge umgaqo-nkqubo wethu wokubhengeza iinkcukacha ezithe vetshe.
Iindleko zokuvala ziyinkalo ebaluleke kakhulu ye-real estate ekufuneka abathengi basekhaya balungiselele, kodwa ngubani ohlawulayo? Ngamafutshane, iindleko zokuvala zomthengi kunye nomthengisi zihlawulwa ngokusekelwe kwimimiselo yekhontrakthi yokuthenga ikhaya, apho omabini amaqela avumelanayo. Njengomgaqo jikelele, iindleko zokuvala umthengi zinkulu, kodwa umthengisi uhlala enoxanduva lweendleko zokuvala. Okuninzi kuxhomekeke kwikhontrakthi yokuthengisa.
Iindleko zokuvala zizo zonke iimali kunye neendleko ekufuneka zihlawulwe ngosuku lokuvala. Umgaqo jikelele kukuba iindleko zokuvala zizonke kwiipropati zokuhlala ziya kufikelela kwi-3-6% yexabiso lilonke lokuthengwa kwekhaya, nangona oku kunokwahluka ngokuxhomekeke kwirhafu yendawo yendawo, iindleko ze-inshurensi kunye nezinye izinto.
Nangona abathengi nabathengisi bahlala besahlula iindleko zokuvala, ezinye iindawo ziye zaphuhlisa amasiko azo kunye nezenzo zokwahlula iindleko zokuvala. Qiniseka ukuba uthetha nomthengisi wakho wezindlu malunga nokuvala iindleko kwangethuba kwinkqubo yokuthenga ikhaya, nto leyo enokukunceda uthethathethwano ngezivumelwano zokuthengisa. Kamva siza kukunika iingcebiso malunga noku.
IiNtlawulo zeNqununu ye-Mortgage
Kukho iintlobo ezininzi zeendleko ezihlawulwayo xa uthatha imali-mboleko. Ezinye zezi ndleko zinxulumene ngokuthe ngqo kwi-mortgage kwaye kunye zenza ixabiso lemali-mboleko. Ezi ndleko zezona kufuneka uzithathele ingqalelo xa ukhetha i-mortgage.
Ezinye iindleko, njengerhafu yepropathi, zihlala zihlawulwa ngemali-mboleko, kodwa ngokwenene ziindleko zobunini bendlu. Bekuya kufuneka uzihlawule enoba unemali mboleko yendlu okanye awunayo. Ezi ndleko zibalulekile xa usenza isigqibo sokuba yimalini na onokuyihlawula. Nangona kunjalo, ababolekisi abazilawuli ezi ndleko, ngoko akufanele wenze isigqibo malunga nokuba yeyiphi imboleki oza kuyikhetha ngokusekelwe kuqikelelo lwabo lwezi ndleko. Xa ukhetha i-mortgage, kubalulekile ukuthatha zombini iintlobo zeendleko kwi-akhawunti. I-mortgage enentlawulo ephantsi yenyanga inokuba neendleko eziphezulu zokuqala, okanye i-mortgage eneendleko zokuqala eziphantsi ingaba nentlawulo ephezulu yenyanga. Iindleko zenyanga. Intlawulo yenyanga idla ngokuqulatha izinto ezine: Ukongeza, kungafuneka uhlawule imirhumo yabahlali okanye yekhondomu. Ezi ndleko zidla ngokuhlawulwa ngokwahlukeneyo kumrhumo wenyanga. Iindleko zokuqala. Ukongeza kwintlawulo ephantsi, kufuneka uhlawule iintlobo ezininzi zeendleko xa uvala.
