Ixabisa malini uvandlakanyo?
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.
Ihlawulwa nini intlawulo yovavanyo?
Ukuthenga ikhaya kunokubhida, ngakumbi kubathengi bokuqala abangazange bahambe kwinkqubo. Omnye wemiba edla ngokuqondwa gwenxa yileyo yeendleko zokuvala. Abathengi abaninzi abazi ukuba balindele ntoni okanye yimalini abaya kufuneka bayihlawule. Nazi ezinye iinkcukacha ezibalulekileyo ezinokukunceda ulungiselele.
Iindleko zokuvala ziquka yonke imirhumo kunye neekhomishini ezinxulumene nokuthenga ikhaya. Basenokuhlawuliswa ngumbolekisi okanye ngamanye amaqela esithathu ngeenkonzo ezinikezelweyo. Olu luhlu lushwankathela ezinye zeendleko eziqhelekileyo kunye nexesha ekufuneka zihlawulwe.
Abathengi kufuneka bazi ukuba zonke ezi ntlawulo kunye neendleko ziya kubiza malini. Nangona iimali zinokwahluka ngokubanzi, ungalindela ngokubanzi ukuhlawula phakathi kweepesenti ezimbini ukuya kwezintlanu zexabiso lokuthenga. Uya kufumana uqikelelo lwemali-mboleko xa ufaka isicelo, kodwa iindleko zokwenyani zixhomekeke kurhulumente nakwingingqi apho kuthengwa khona. Ngaphambi kokuvala, uya kufumana i-Disclosure yokuVala, uxwebhu olubalulekileyo olunika iinkcukacha ezichanekileyo zemboleko kunye neendleko zokuvala ngokwenene.
Ngaba uvavanyo luhlawulwe phambi kokuba kuvalwe?
Ukubhengezwa: Eli nqaku liqulethe izixhumanisi ezihambelanayo, oku kuthetha ukuba sifumana ikhomishini ukuba ucofa ikhonkco kwaye uthenge into esiyicebisile. 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 wesithupha kukuba iindleko zokuvala zizonke kwiipropati zokuhlala ziya kuba yi-3-6% yexabiso lilonke lokuthenga ikhaya, nangona oku kunokwahluka ngokusekelwe 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.
Iindleko zoVavanyo lweNdlu kufutshane nam
Nokuba uthenga ikhaya okanye uxhasa ngemali-mboleko yakho, ukuvavanywa kwekhaya kuya kudlala indima ebalulekileyo kwinkqubo. Ukuqonda ukuba ipropati ixabisa kangakanani na ibalulekile ekwenzeni izigqibo ezikuvumela ukuba ufikelele kwimpumelelo yezemali.
Uvavanyo lwekhaya luhlobo oluqhelekileyo lovavanyo apho umxabisi wezindlu nezindlu emisela ixabiso lemarike elilungileyo lekhaya. Uvavanyo lwendlu lubonelela ngembono engakhethi cala yexabiso eliqikelelweyo lepropati xa lithelekiswa namakhaya asanda kuthengiswa kwindawo enye.
Ukubeka nje, ii-appraisals ziphendula umbuzo othi "ingakanani indlu yam?" Bakhusela umbolekisi kunye nomthengi: ababolekisi banokuyiphepha ingozi yokuboleka imali eninzi kunokuba kuyimfuneko, kwaye abathengi banokukuphepha ukuhlawula ngaphezu kwexabiso lekhaya.
Ngokuqhelekileyo, ixabiso lekhaya losapho olunye lixabisa phakathi kwe-$300 kunye ne-$400. Iiyunithi zeentsapho ezininzi zidla ngokuthatha ixesha elide ukuvavanywa ngenxa yobukhulu bazo, nto leyo esondeza iindleko zabo zovavanyo malunga ne-600 yeedola. Kodwa kubalulekile ukukhumbula ukuba iindleko zokuvavanywa kwekhaya zihluka ngokubanzi ngokusekelwe kwizinto ezininzi:
