Ingakanani Indlu Engingayikhokhela? Umhlahlandlela ophelele

Uma kuziwa ekuthengeni ikhaya, omunye wemibuzo ebaluleke kakhulu ozobhekana nayo ukuthi, "Ingakanani indlu engingayithenga?" Ukuqonda isabelomali sakho nemikhawulo yezezimali kubalulekile ukuze uqinisekise ukuthi wenza uhlaka oluhlakaniphile futhi oluqhubekayoutshalomali. Lo mhlahlandlela uzokusiza ukuthi uhlole izici ezinquma ukuthi ingakanani indlu ongakwazi ukuyikhokhela, ikunikeze ulwazi lokwenza izinqumo ezinolwazi.

Ukunquma Isabelomali Sakho

Isinyathelo sokuqala ekuphenduleni ukuthi "Ngingakwazi ukuthenga indlu engakanani?" ukuhlola isimo sakho sezezimali. Lokhu kuhlanganisa ukubheka iholo lakho, izindleko, izikweletu, nokonga. Nazi izici ezibalulekile okufanele zicatshangelwe:

1. Imali engenayo: Bala isamba semali engenayo yanyanga zonke, okuhlanganisa iholo, amabhonasi, nanoma iyiphi enye into emuncuLEZIyemali engenayo. Lokhu kuzokunikeza isithombe esicacile sokuthi yimalini onayo ongayisebenzisa ukwakha izindlu.

2. Izindleko: Faka ohlwini zonke izindleko zakho zanyanga zonke, njengezinsiza, igrosa, ezokuthutha, nokuzijabulisa. Susa lezi emalini yakho engenayo ukuze unqume ukuthi ungabeka malini ekukhokhweni kwendlu yakho.

3. Izikweletu: Cabangela noma yiziphi izikweletu ezikhona, njengeImalimboleko yabafundis, izinkokhelo zemoto, namabhalansi ekhadi lesikweletu. Isilinganiso sakho sesikweletu semali engenayo (i-DTI) siyisici esibalulekile esisetshenziswa ababolekisi ukuze banqume ukuthi ingakanani indlu ongakwazi ukuyikhokhela. Okufanelekile, i-DTI yakho kufanele ibe ngaphansi kwama-36%.

4. Ukonga: Faka isandla ekongeni kwakho ukuze uthole inkokhelo ephansi nezindleko zokuvala. Inkokhelo encane inganciphisa izinkokhelo zakho zenyanga zonke futhi ingase ikusize ufanelekele isilinganiso senzalo esingcono.

I-Mortgage Affordability Calculators

Ukusebenzisa umshini wokubala wokubambisa kungaba ithuluzi eliwusizo ekuphenduleni umbuzo othi, "Ingakanani indlu engingayithenga?" Lezi zibali zicabangela iholo lakho, izindleko, izikweletu, kanye nenkokhelo ephansi ukuze unikeze isilinganiso senani lekhaya ongakwazi ukulikhokhela. Izibali eziningi eziku-inthanethi nazo zibandakanya intela yendawo, umshwalense wabanikazi bezindlu, kanye nomshwalense wezindlu, okukunikeza isithombe esinembe kakhudlwana sezinkokhelo zakho zanyanga zonke.

Imibandela Yokubolekisa

Ababolekisi basebenzisa izindlela ezimbalwa zokunquma ukuthi ingakanani indlu ongakwazi ukuyikhokhela, okuhlanganisa:

1. Umphumela Wesikweletu: Amaphuzu aphezulu esikweletu angakufanelekela amanani enzalo angcono kanye nemibandela yemalimboleko, kukhuphule amandla akho okuthenga.

2. Isikhathi sokubolekwa: Ubude besikhathi sakho sokubolekwa kwempahla (isb., iminyaka eyi-15 uma kuqhathaniswa neminyaka engama-30) buzothinta izinkokhelo zakho zanyanga zonke kanye nokukwazi ukuzikhokhela.

3. Amanani enzalo: Izilinganiso zenzalo zamanje zingaba nomthelela omkhulu ezinkokhelweni zakho zezindlu. Amanani aphansi akhuphula ukukwazi ukukhokhela, kuyilapho amanani aphezulu ekunciphisa.

Isiphetho

Ukuqonda "Ingakanani indlu engingayithenga?" kuhilela ukuhlolwa okuphelele kwesimo sakho sezezimali, okuhlanganisa iholo lakho, izindleko, izikweletu, nokonga. Ngokusebenzisa izinto zokubala zokukholeka kwezindlu ezibolekwayo futhi ucabangele izindlela zokuboleka, ungathola ukuqonda okucacile kwesabelomali sakho futhi wenze izinqumo ezinolwazi lapho uthenga ikhaya. Khumbula, kubalulekile ukukhetha ikhaya elilingana nemikhawulo yakho yezezimali ukuze uqinisekise ukuzinza nokunethezeka kwesikhathi eside.

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.