Ingabe kungcono ukuthola imali yokubolekwa kwempahla noma imalimboleko?
Kunezikhungo zezezimali eziningana ezinikeza izikweletu kubantu abathenga indawo, isibonelo, izinkampani ezibolekayo namabhange. Uzodinga ukuthola ukuthi ungakwazi yini ukuboleka imali futhi, uma kunjalo, ingakanani imali (ukuthola ulwazi olwengeziwe mayelana nezindlu ezibolekiwe, bheka isigaba se-Mortgages).
Ezinye izinkampani ezibolekayo zinikeza abathengi isitifiketi esishoyo ukuthi imali ebolekiwe izotholakala inqobo nje uma indawo iyanelisa. Ungathola lesi sitifiketi ngaphambi kokuthi uqale ukufuna ikhaya. Izinkampani ezithengisa izindlu zithi lesi sitifiketi singakusiza ukuthi wenze umdayisi amukele isipho sakho.
Kuzodingeka ukhokhe idiphozi ngesikhathi sokushintshisana kwezinkontileka, amasonto ambalwa ngaphambi kokuba ukuthengwa kuqedwe futhi imali itholwe kumbolekisi we-mortgage. Idiphozi ngokuvamile ingu-10% yenani lokuthenga ikhaya, kodwa ingahluka.
Lapho uthola ikhaya, kufanele uhlele ukubukwa ukuze uqiniseke ukuthi yilokho okudingayo futhi uthole umbono wokuthi kuzodingeka yini uchithe imali eyengeziwe ekhaya, ngokwesibonelo ukulungisa noma ukuhlobisa. Kuvamile ukuthi umuntu ongase abe umthengi avakashele indawo kabili noma kathathu ngaphambi kokuthatha isinqumo sokwenza isithembiso.
Ingabe kungcono ukuthenga indawo yokutshala imali ngokheshi noma nge-mortgage?
Esinye sezinqumo ezibaluleke kakhulu umuntu angazenza empilweni yakhe ukuthenga umuzi. Abanye abathengi bezindlu bangase bazibuze ukuthi isinqumo sabo sokuthenga umuzi siyisinqumo esifanele yini kubo, njengoba umuntu ovamile eshintsha umqondo wakhe mayelana nesinqumo sakhe njalo ngemva kweminyaka emihlanu kuya kweyisikhombisa. Ngokucabangela lolu lwazi, abantu abaningi bayazibuza ukuthi ukuthenga ikhaya kuyinketho engcono kakhulu kubo. Nokho, ukuthenga ikhaya kunezinzuzo eziningi. Kodwa kukhona okubi futhi, okusho ukuthi ukuqasha kungase kube inketho engcono kakhulu kubo. Indlela engcono kakhulu yokwazi ukuthi ukuthenga noma ukuqasha kuyisimo esihle kakhulu; Umuntu kumelwe ahlaziye isimo sakhe ukuze enze isinqumo esifanele.
Umthengi unesibopho sokungaphezu nje kwenkokhelo ye-mortgage. Kukhona nezintela, umshwalense, ukugcinwa kanye nokulungisa izinto okumele ukhathazeke ngakho. Kufanele futhi ucabangele izimali zomphakathi wabanikazi.
Izintengo zemakethe nekhaya ziyashintshashintsha. Ukuhlaziywa noma ukwehla kwenani lendlu kuncike esikhathini lapho ithengwe ngaso, kungaba phakathi nenkathi ye-boom noma isimo esibucayi. Indawo ingase ingabongi ngenani umnikazi alilindele, ikushiye ungenayo inzuzo lapho uhlela ukuyithengisa.
Imodeli yokuthenga ukuze uvumele e-Austria
1. Ukuthenga ukuvumela kungase kucindezele futhi kudle isikhathi2. Kufanele ufunde imithetho emisha yentela3. Ukudala inkampani enomkhawulo kunganciphisa izindleko4. Ukuthola imali yokuthenga indlu kudinga idiphozithi enkulu5. Abathengi bokuqala bangase bangafaneleki6. Akuzona zonke izakhiwo ezinenzuzo7. Izimali zokubolekwa kwezindlu zingaba phezulu8. Cabanga kabili ngaphambi kokulanda impesheni9. Yazi indawo
Ukutshala imali ekuthengeni indawo kungaba nezingozi ezinkulu futhi kulungele kuphela abantu abanoxhaxha lwezimali ukubhekana nezindleko ezingalindelekile. Ngaphezu kwalokho, ukuphathwa kwezakhiwo kungadla isikhathi futhi akufanele kuthathwe njengokutshalwa kwezimali kwesikhashana.
Kwabanye abantu kuwuhlobo olungalungile lokutshalwa kwezimali. Kungashiwo ukuthi izimali zamasheya zilula kakhulu ukuphatha kunezindlu ezithengiswayo. Sichaza ukuthi ungatshala kanjani imali emakethe yamasheya uma ungenayo imali eningi.
Kuze kube ngu-April 2020, abanikazi bezindlu ezizimele bebengakwazi ukudonsa izinkokhelo zenzalo ye-mortgage emalini yabo yokuqasha lapho bebala isikweletu sabo sentela, okwaziwa ngokuthi ukukhululeka kwentela ye-mortgage.
Ungatshala kanjani izindlu nomhlaba ngemali encane
Imakethe yezindlu ibomvu klebhu, futhi akukho bhubhane noma amanani entengo akhuphukayo angakwazi ukucisha amalangabi. Izicelo zokubolekwa kwezindlu zokuthenga umuzi zikhule kancane kancane unyaka nonyaka kusukela ngoMeyi, njengoba impahla iqhubeka nokumba eqolo ezweni lonke.
Njengomlingani walezi zintengo ezikhuphukayo, izinga lenzalo emalini ebolekiwe liyaqhubeka nokwehla, futhi kuleli sonto baphinde baphula irekhodi, ngokusho kukaFreddie Mac. Ngonyaka odlule ngalesi sikhathi bekungu-30%.
“Ukuba nekhaya yindlela abantu abaningi baseMelika abakha ngayo ingcebo yabo. Ingxenye yenkokhelo ngayinye yendlu umninikhaya ayenzayo isetshenziswa ekuncishisweni kwebhalansi yemali mboleko yezindlu (inkokhelo eyinhloko), ekhuphula ukulingana kwekhaya futhi esiza ekwakheni umnikazi wendlu yenani eliyingqikithi.”
“Isazi sezomnotho esiwine uMklomelo KaNobel kanye noprofesa waseYale uRobert Shiller wenza impikiswano eqinile yokuthi izindlu ezithengiswayo, ikakhulukazi izindlu zokuhlala, kuwutshalomali oluphansi kakhulu uma kuqhathaniswa namasheya. U-Shiller uthola ukuthi, elungiselwe ukukhuphuka kwamanani emali, intengo yendlu emaphakathi ikhuphuke ngo-0,6% kuphela ngonyaka phakathi neminyaka eyi-100 edlule.
