07/25/2023

Ukuqala uhambo lokuthenga ikhaya lakho lokuqala kuyinqubo ejabulisayo neyinkimbinkimbi egcwele ulwazi olusha, izinqumo okufanele zenziwe, nezici okufanele zicatshangelwe.Lesi sihloko sihlose ukucacisa izici ezibalulekile zenqubo, okuhlanganisa usizo lokukhokha kancane, ukuthola inani elingcono kakhulu lemali mboleko yezindlu, ukuqonda umqondo wenkokhelo ephansi, nokuzulazula inqubo yokufaka isicelo semalimboleko.

Igama elithi "umthengi wekhaya oqala ngqá" ngokuvamile libhekisela kumuntu noma umndeni othenga indawo okokuqala ngqa noma ongakaze ube nomnikazi wanoma iyiphi indawo eminyakeni emithathu edlule.Ukunquma ukuthi ungumthengi wokuqala wekhaya kuncike kakhulu emlandweni wakho wobunikazi bendawo.Nazi ezinye izindlela ongazisebenzisa ukuhlola isimo sakho:

- Awukaze ube nesakhiwo: Uma ungakaze uthenge indawo ngaphambilini, uthathwa njengomthengi wokuqala wendlu.

- Awuzange ube umnikazi wendawo phakathi neminyaka emithathu edlule: Ngisho noma ubukade ungumnikazi wendawo ngaphambili, ungase uthathwe njengomthengi wokuqala wendlu uma sekudlule iminyaka engaphezu kwemithathu wathengisa leyo ndawo.

- Ngaphambilini wawunendawo nowakwakho kuphela: Uma wawushadile futhi unomuzi noshade naye, kodwa manje awushadile futhi awunawo umnikazi wendawo uwedwa, ungase uthathwe njengomthengi wendlu wokuqala.

- Ungumnikazi wekhaya owaxoshwa noma umzali oyedwa: Uma unomuzi owodwa kuphela nowakwakho futhi ngenxa yoshintsho lwempilo, manje usungumzali oyedwa noma umenzi wekhaya oshiywe ngaphandle kwetayitela lendawo, ungase uthathwe njengekhaya lokuqala. umthengi Ngu.

Kwezinye izindawo, abaqalayo ukuthenga izindlu bangase bathole izinxephezelo, njengezaphulelo kumanani emali ebolekiwe noma amakhefu entela.Inhloso yalezi zinyathelo ukukhuthaza nokusiza abantu abaningi ukuba bathole ubunikazi bezindlu.Kodwa futhi kuletha izinselele.Okubaluleke kakhulu kulezi zinselelo kuvame ukukhokhwa kancane.

Inkokhelo encane iyisamba semali ekhokhwa ngaphambili lapho uthenga umuzi.Ngokwesiko, ukukhokha okungu-20% kube yinto evamile, kodwa ngoHlelo Losizo Lwenkokhelo Ephansi, lokhu kungehliswa kakhulu.Ngokuvamile ukunikezwa ohulumeni bezwe noma basekhaya noma izinhlangano ezingenzi-nzuzo, lezi zinhlelo zihlinzeka ngezibonelelo noma imalimboleko enenzalo ephansi kwezinye noma zonke izinkokhelo eziphansi, okwenza ubunikazi bekhaya bube lula kwabaningi.

Nakuba ukukhokha kancane kuyisithiyo esikhulu, akusona ukuphela kwesici sezezimali okufanele sicatshangelwe.Izilinganiso zenzalo ye-mortgage, noma inzalo yemali mboleko yezindlu, zingathinta kakhulu izinkokhelo zakho zenyanga kanye nesamba semali oyikhokhela umuzi wakho.Ngakho-ke, ukuthola inani elingcono kakhulu le-mortgage kubaluleke kakhulu.Lawa manani angahluka kakhulu kuye ngesikolo sakho sesikweletu, uhlobo lwemalimboleko, kanye nombolekisi, ngakho-ke kufanelekile ukwenza ucwaningo lwakho, ukuqhathanisa amanani, nokuxoxisana ukuze uqiniseke ukuthi uthola isivumelwano esingcono kakhulu.

Uma usuhlole izinhlelo zokusiza futhi wafunda ngamanani emali ebolekiwe, isinyathelo esilandelayo inqubo yokufaka isicelo semalimboleko.Lokhu kuhilela ukunikeza ulwazi lwezezimali kwabangase babe ababolekisi abazohlola ukufaneleka kwakho kwekhredithi futhi banqume uhlobo nenani lemali mboleko oyifanelekelayo.Inqubo ingaba yinkimbinkimbi futhi idinga ukunakwa ngokucophelela emininingwaneni kusukela esigabeni sokugunyazwa kusengaphambili kuya ekuvaleni kokugcina kwesivumelwano.

Sengiphetha, ukuba umthengi wekhaya okokuqala kuyinqubo eyinkimbinkimbi, enezici eziningi edinga ukuhlela nokuqonda okukhulu.Ngokujwayelana nezinto ezinjengosizo lokukhokha kancane, amanani entengo emali ebolekiwe, izinketho zokukhokha eziphansi, kanye nenqubo yokufaka isicelo semali mboleko, abantu bangaqhubeka nenqubo ngokushelela nangokuzethemba.Akukhona nje ukuthenga indawo, kodwa ukwakha ikhaya nokutshala imali ngekusasa lakho.

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.