Yiyiphi imibuzo ukubuza wena phambi kokuba uthenge ikhaya?

Phantse wonke kungekudala iphupha ukufumana izindlu. Esengumntwana, kubonakala ukuba oku kubonisa ukuba uqolile, ukuzimela zemali kunye nokulungela ukuqala intsapho. Xa ukhula, uyazi ukuba maxa wambi nokuqondakala phupha ayikhankanyi ngenxa amaxabiso aphezulu real estate. Loo lokuthenga kuyimfuneko ukulungisa. Kodwa ukuqonda indlela ukuba mzuzu lifikile?

Unga lula ukuyichonga ukuba, ukuba zibuze imibuzo enzulu. Ndandicinga malunga neempendulo zabo, uya kubona ukuba lixesha ukuthenga ikhaya yabo ngaphandle kobunzima.

Ngaba imali yokuyithenga?

Phambi kokuba uqale ukucinga zonke ezinye bokuqonda ezinxulumene ukuthenga ikhaya, cinga ukuba unako ukuhlawula. Jonga wokubala yethu mboleko ukufumanisa ukuba uyakwazi ukulihlawula onjani mortgage. Nceda nika umlinganiselo intlawulo yenyanga kunye nexabiso lemali egciniweyo zazo ngeli xesha.

Ukuba imeko yakho yemali kunzima kakhulu kwaye uyaqonda ukuba intlawulo ngetyala kuya kuba nzima kakhulu, ungafuna elinye ukuthengwa izindlu okwethutyana. Kungenjalo, uvuyo lwenu okufumana izindlu zabo ukuze zonakaliswe uxinezeleko rhoqo kunye nemfuneko nzima ukuzibala imali.

Ngaba uyayiqonda uya kuba yintoni na iindleko ezinxulumene?

Kufuneka nje ube intlawulo yokuqala, uya enikusweleyo imali iintlawulo igqwetha, i-inshorensi, ifanitshala kunye like. Yenza uluhlu lwazo zonke iindleko ukuba kufuneka ucinge uze isigqibo isivumelwano. Ukuba akwenjinjalo, unako ulinde isimanga elibi. Musa konakalisa inkqubo yokuthenga ikhaya lakho imfuneko ukuya kungena ematyaleni, isicwangciso yonke into kusengaphambili.

Ingaba unayo nayiphi na imali, nje xa kunjalo?

Umele ukonga hayi kuphela intlawulo phantsi, kodwa isibakala ukubonelela kaxakeka. Ekhaya angafuna ukulungiswa. Ukuba unayo imali eyongezelelekileyo, awukwazi ukucinga malunga neengxaki ezingaphezulu kwaye hayi ukuba angakhathazeki. Ukuba awunazo, uya nzima kakhulu ubomi babo. Mhlawumbi wena endiyilungisele enyanisweni ukuhlala kwikhaya labo. Kubhetele ukuba ukuthenga kakhulu kangangeminyaka eliqela.

Enoba uya kuba ezilungileyo, ukuba baphile endaweni enye ixesha elide?

Ukuba bathenga indlu, mhlawumbi uya kuhlala mzi ukusuka kwiminyaka emihlanu ukuya kwelishumi. Ukuba uyakholwa ukuba umsebenzi wakho kufuna kwenye, anikho bekulungele kakhulu ukuhamba kwaye uthanda isixeko yakho, mhlawumbi sele ukulungele ukuba bathenge izindlu zabo. Ukuba awuyazi ukuba ufuna ukuchitha ixesha elide kwindawo enye, kwelinye icala, uceba ukuhlala kwenye indawo, musa sukela izindlu - oko kuya umda kuphela kwenu yaye aziyi kuvumela ukucwangcisa ubomi bakho njengoko kuya kufuneka ukuba ndifuna.

Ingaba unayo nayiphi na ixesha ukuze izilungise okanye kubuyiselwe ukuze?

Ukuba uhlala nabazali okanye ukuqeshisa indlu, ungasoloko ukwabelana uxanduva kwipropati komnye umntu. Xa ikhaya yakho yahlukile. Kufuneka ube nomhlaba omkhulu umsebenzi ukugcina yonke zikwimeko entle.

Ukongeza, ukucocwa iza kuthatha ixesha elininzi kakhulu. Konke oku kuthathelwa ingqalelo kwangaphambili. Cinga noba ngokwaneleyo ixesha free, ukuphumeza zonke ishishini ekhaya eziyimfuneko. Thenga izindlu kuphela apho impendulo yalo mbuzo nguewe.

Enoba uthenga zotyalo?

Ukuba ubona indlu njengotyalo-mali, kufuneka ahlole oko kuyingozi oko iminyaka engamashumi amabini okanye amathathu. ezithengiswayo nangoku ngendlela ethembekileyo ukutyala imali, kodwa akusoloko wazise mali kulindeleke. siqwalasele ngenyameko lwabiwo ucinge, unako ukuthenga indlu ngaphandle kokulinda ukuba ngoko nzuzo kuwo.

Ukuba awufuni ukuba athengise ngayo kwixesha elizayo yaye bakwazi ukuchitha imali enjalo, ukuthenga ipropati kuya zilungele ngaphandle nawaphi na amathuba otyalo. Kungenjalo, kufuneka ukuba aye kuthetha umba kunye ingqalelo enkulu - ukusekela kakuhle-ntle yabo yemali ilifa lokwenene kuba nengozi enkulu.

Yintoni ebangela ukuba uthenge?

Njengoko kuchaziwe ngaphambili, abantu abaninzi baphupha indlela ekhaya. Noko ke, oku akuthethi ukuba ukuba kufuneka athenge indlu nganye. Ezinye kogxininiso oluninzi kakhulu ifanitshala kunye nezinye izinto, ngaphandle ukucinga ukuba uhlobo umthwalo isabelo-mboleko kwaye kuchaphazela ngayo ubomi babo.

Nangona kunjalo, kubalulekile ukukhumbula ukuba ukuthenga indlu - yinto isiganeko emangalisayo. Kufuneka indawo ungafowunela zabo, wena kuthembela kwizicwangciso zazo iminyaka elizayo kwaye ukuphuhlisa imbali intsapho yabo egumbini mavoko.

Zonke ezi zizathu Mathews isigqibo sokuthenga amakhaya abo. Ngenyameko ucinga zinto uze uhlolisise kubo. Ukuba likhulu ekhulwini Qinisekisa ukuba kufikelelwe kwinqanaba ebomini xa lixesha ukuba benze zonke iinzame ukufumana izindlu zabo, kufuneka isigqibo ukuthenga. indlu yakho kukuzisela wena akuyi kuphela eninzi uxanduva, kodwa kananjalo ulonwabo olukhulu kakhulu iimvakalelo ezinqwenelekayo.