Ngaba kufuneka ndithenge indlu ngoku okanye ndilinde de kube ngu-2023?
Kwakhona qonda ukuba kungcono kuwe ukuba unokufumana amaxwebhu okuvala kwangaphambili kwaye uwaphonononge phambi kokuba usayine. Oko kuthatha uxinzelelo oluninzi, kodwa oko kuthetha ukuba kufuneka wenze indima yakho ukuvala imali-mboleko ngokukhawuleza.
Ukuba sele uza kutyikitya isivumelwano sokuthenga ikhaya, kuya kufuneka uvuye (kwaye ukhululeke) ukuba “uqhubele phambili ibuck” ukuza kuthi ga ngoku. Kodwa ngaphambi kokuba uchukumise ipeni ephepheni, zibuze lo mbuzo: "Ngaba ndiza kuvuma ngomhla wokuvala "olungileyo" okanye "ombi"?
Ukuba awuvumeli ixesha elaneleyo, umhla wakho wokuvala unokuza ngaphambi kokuba inkxaso-mali yakho yamkelwe. Ukuba oko kuyenzeka, umthengisi unokurhoxisa isivumelwano esenzela isithembiso esinomtsalane ngakumbi. Nangona abathengisi abaninzi baya kwamkela umhla omtsha, kutheni ukuthatha umngcipheko?
Kwelinye icala, kubalulekile ukuba kuvalwe ngaphambi kokuba kuphele isibophelelo semali-mboleko yombolekisi ukuze ukwazi ukuxhamla inzala oyithenjisiweyo. Ukuba umhla obekiweyo usemva kwexesha, kungafuneka uthethe ngenzala entsha, okanye nayo yonke iphakheji yemali-mboleko.
Ngaba lixesha elifanelekileyo lokuthenga indlu ngexesha
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo ezikrelekrele zemali ngokubonelela ngezixhobo ezisebenzisanayo kunye neekhatyhuleyitha zemali, ukupapasha umxholo wokuqala kunye nenjongo, kunye nokukuvumela ukuba uphande 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.
Ngaba kufuneka ndithenge indlu ngoku okanye ndilinde ukudodobala koqoqosho?
Ngokophando lwakutsha nje lukaFannie Mae, abathengi abaninzi bayathandabuza ukuthenga ikhaya ngo-2022. Ngaphezu kwe-60% yabaphenduli balindele ukuba izinga lenzala ye-mortgage linyuke, kwaye kukho iinkxalabo ezikhulayo malunga nokhuseleko lwemisebenzi kunye nokunyuka kwamaxabiso asekhaya.
Ngoko ukuba unethemba lokuhamba kunyaka ozayo, unokuzibuza, "Ngaba eli lixesha elifanelekileyo lokuthenga indlu?" Inyani yeyokuba lo mbuzo unobunzima kunokuba ucinga. Eli nqaku liza kudlula ezinye zezinto eziphambili ekufuneka uziqwalasele ngaphambi kokuthenga ikhaya.
Ukuze wenze isigqibo sokuba ngoku lixesha elifanelekileyo lokuthenga ikhaya, jonga imeko yakho yemali kunye nexabiso langoku lezindlu kwindawo ohlala kuyo. Ukuba unemali oyigcinele intlawulo ephantsi kwaye intlawulo yakho yemali-mboleko eqikelelwayo ilingana okanye ingaphantsi kwerenti yakho yenyanga, ukuthenga ngoku kunokuba yinto elungileyo.
Ngo-2021, inzala yehla, nto leyo eyenza ukuthenga ikhaya kube yeyona ndlela inomtsalane. Nangona kunjalo, i-Federal Reserve iphakamisa izinga lenzala okokuqala kwi-2 iminyaka ukunceda ukulwa nokunyuka kwamaxabiso.
Ngaba kufuneka ndithenge indlu ngoku okanye ndilinde de kube ngu-2022?
NgoJanuwari lelona xesha lilungileyo lokwenza umnikelo kwikhaya. Akukho baninzi abathengi abafuna ukukhalipha ukubanda ukukhangela indlu, ngoko ke amaxabiso aphantsi. Izindlu nomhlaba nazo zithatha ixesha elide ukuthengisa. Oku kuthetha ukuba abathengisi bakulungele ukwamkela umnikelo ophantsi.
Imarike ifumana kwakhona ukusuka ngoFebruwari. Intwasahlobo lelona xesha lixakekileyo lokuthenga ikhaya. Amakhaya angakumbi akhoyo, amaxabiso ayenyuka, yaye nokhuphiswano luyanda. Izindlu nazo zikhangeleka ngakumbi entwasahlobo. Abathengi bahlala bethenga entwasahlobo ukuze bangene kwikhaya labo elitsha ngexesha lasehlotyeni.
Amaxabiso asekhaya onyuka ngexesha elishushu, ngakumbi ngoJuni nangoJulayi. Ekwindla, amaxabiso athanda ukuhla kwaye ngokunjalo nenani lamakhaya adwelisiweyo. Imarike idla ngokuba ngumkhenkce ngoDisemba, ngokuyinxenye ngenxa yeeholide.
Imarike yomthengisi ichasene: Amaxabiso aphezulu kwaye ukufumaneka kuphantsi. Kule meko, abathengisi banokukhetha ukuba zeziphi izibonelelo zokuqwalasela kwaye ukhethe eyona ilungileyo. Izibonelelo ezininzi zinokukhokelela kwimfazwe yokubhida. Oku kuthetha ukuba unokuphulukana nekhaya lamaphupha akho ukuba isinikezelo sakho asikho sesona siphezulu.
