11/02/2023

Iphupho lokuba nekhaya liyingqophamlando kubantu abaningi, kodwa kubalulekile ukunquma ukuthi ingakanani indlu ongakwazi ukuyikhokhela ngaphambi kokuthatha lolu hambo.Ukuqonda isimo sakho sezezimali, ukucabangela izici ezihlukahlukene, nokwenza isinqumo unolwazi kuyizinyathelo ezibalulekile enqubweni yokuthenga ikhaya.Kulo mhlahlandlela ophelele, sizokusiza ukuthi uphendule umbuzo othi, "Ingakanani indlu engingayithenga?"

Ukuhlola Isimo Sakho Sezezimali

Ngaphambi kokuba uqale ukuzingela indlu, kubalulekile ukubhekisisa isimo sakho sezezimali.Nazi ezinye izici ezibalulekile okufanele zicatshangelwe:

1. Imali engenayo

Hlola isamba semali engenayo yomndeni wakho, okuhlanganisa iholo lakho, noma yimiphi imithombo eyengeziwe yemali engenayo, kanye neholo lozakwenu uma likhona.

2. Izindleko

Bala izindleko zakho zanyanga zonke, okuhlanganisa izikweletu, igrosa, ezokuthutha, umshwalense, kanye nanoma yiziphi ezinye izindleko eziphindelelayo.Ungakhohlwa ukuziphendulela ngokusetshenziswa kokuzikhethela.

3. Izikweletu

Cabangela izikweletu zakho ezikhona, njengamabhalansi ekhadi lesikweletu, imali mboleko yabafundi, nemali mboleko yemoto.Isilinganiso sakho sesikweletu nemali engenayo siyisici esibalulekile ababolekisi abasihlolayo lapho benquma ukufaneleka kwakho ukuthola imali ebolekiwe.

4. Ukonga kanye Nenkokhelo Ephansi

Nquma ukuthi ingakanani imali oyilondolozile, ikakhulukazi yokukhokha kancane.Inkokhelo ephansi ephezulu ingathinta uhlobo lwemali mboleko kanye nezinga lenzalo olifanelekelayo.

5. Ikhredithi Yesikweletu

Isikolo sakho sesikweletu sidlala indima enkulu ekutholeni imali yezindlu kanye namazinga enzalo.Hlola umbiko wakho wesikweletu ukuze uthole ukunemba futhi usebenzele ukuthuthukisa isikolo sakho sesikweletu uma kunesidingo.

Ukubala Ukufinyeleleka

Uma usunesithombe esicacile sesimo sakho sezezimali, ungakwazi ukubala ukuthi ingakanani indlu ongakwazi ukuyikhokhela.Umhlahlandlela ojwayelekile umthetho wama-28/36:

• 28% Umthetho: Izindleko zakho zezindlu zanyanga zonke (kuhlanganise nendlu, intela yendawo, umshwalense, nanoma yiziphi izimali zenhlangano) akufanele zidlule u-28% wesamba semali engenayo yakho yanyanga zonke.
• 36% Umthetho: Izinkokhelo zakho eziphelele zezikweletu (okuhlanganisa izindleko zendlu nezinye izikweletu) akufanele zidlule u-36% wesamba sakho semali engenayo yanyanga zonke.

Sebenzisa lawa maphesenti ukuze ulinganisele inkokhelo yemali ebolekiwe enethezekile.Khumbula ukuthi nakuba le mithetho inikeza uhlaka oluwusizo, izimo zakho zezezimali ezihlukile zingavumela ukuguquguquka okwengeziwe.

Izinto Ezengeziwe Okufanele Zicatshangelwe

1. Amanani enzalo

Gcina iso ezilinganisweni zamanje zenzalo, njengoba zingaba nomthelela omkhulu enkokhelweni yakho yenyanga yonke ye-mortgae.Izinga lenzalo eliphansi lingakhuphula amandla akho okuthenga.

2. Izintela Zomshwalense Wasekhaya Nezakhiwo

Ungakhohlwa ukufaka lezi zindleko uma ubala ukufinyeleleka.Zingahluka kuye ngendawo okuyo kanye nempahla oyikhethayo.

3. Izindleko Zesikhathi esizayo

Cabangela izindleko ezingase zibe khona esikhathini esizayo, njengokunakekela, ukulungisa, nezindleko zenhlangano yabanikazi bezindlu, lapho unquma isabelomali sakho.

4. Isikhwama Sezimo Eziphuthumayo

Gcina isikhwama sezimo eziphuthumayo ukuze ukhokhele izindleko ezingalindelekile, ezingakusiza ugweme ubunzima bezezimali.

Inqubo Yokugunyazwa Ngaphambili

Ukuze uthole ukuhlaziya okunembe kakhudlwana kokuthi ingakanani indlu ongakwazi ukuyikhokhela, cabanga ngokugunyazwa kusengaphambili ukuze uthole i-mortgage.Lokhu kuhilela ukunikeza ulwazi lwakho lwezezimali kumbolekisi ozobuyekeza isikweletu sakho, imali engenayo, kanye nezikweletu ukuze anqume inani lemali ebolekiwe ongakufanelekela ukulithola.

Ukubonisana Nomeluleki Wezezimali

Uma uthola ukuthi le nqubo ingaphezu kwamandla noma unezimo zezimali ezihlukile, kuwukuhlakanipha ukuthintana nomeluleki wezezimali noma uchwepheshe wezezindlu.Bangakunikeza isiqondiso somuntu siqu futhi bakusize wenze izinqumo ezinolwazi.

Isiphetho

Ukunquma ukuthi ingakanani indlu ongakwazi ukuyikhokhela kuyisinyathelo esibalulekile ohlelweni lokuthenga ikhaya.Kuhilela ukuhlolwa okuphelele kwesimo sakho sezezimali, ucabangele izici ezihlukahlukene, nokuqonda imikhawulo yesabelomali sakho.Ngokulandela imihlahlandlela ehlinzekwe kulo mhlahlandlela, ukufuna ukugunyazwa kusengaphambili, nokufuna iseluleko sochwepheshe lapho kudingeka, ungenza isinqumo unolwazi futhi uqale uhambo lwakho lobunikazi bendlu ngokuzethemba.

Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.