11/02/2023

Iphupha lobunini bezindlu linyathelo elibalulekileyo kubantu abaninzi, kodwa kubalulekile ukufumanisa ukuba yimalini na indlu onokuyihlawula ngaphambi kokuba uqalise kolu hambo.Ukuqonda imeko yakho yezemali, ukujonga izinto ezahlukeneyo, kunye nokwenza isigqibo esinolwazi ngamanyathelo abalulekileyo kwinkqubo yokuthenga ikhaya.Kwesi sikhokelo sibanzi, siya kukunceda uphendule umbuzo othi, "Ingakanani indlu endinokuyifumana?"

Ukuvavanya iMeko yakho yezeMali

Ngaphambi kokuba uqale ukuzingela indlu, kubalulekile ukujonga ngononophelo imeko yakho yezemali.Nantsi imiba ephambili ekufuneka iqwalaselwe:

1. Umvuzo

Vavanya umvuzo opheleleyo wekhaya lakho, kubandakanywa umvuzo wakho, nayiphi na imithombo eyongezelelweyo yomvuzo, kunye nomvuzo weqabane lakho ukuba uyasebenza.

2. Iindleko

Bala iindleko zakho zenyanga, kuquka amatyala, igrosari, isithuthi, i-inshorensi, kunye nazo naziphi na ezinye iindleko eziqhubekayo.Ungalibali ukwenza ingxelo ngenkcitho enokuvela.

3. Amatyala

Qwalasela amatyala akho asele ekhona, anje ngebhalansi yekhadi lokuthenga ngetyala, imali mboleko yabafundi, kunye nemboleko yemoto.Umlinganiselo wetyala lakho kwingeniso yeyona nto ibalulekileyo evavanyelwa ngababolekisi xa bemisela ukufaneleka kwakho kwi- mortgage.

4. Ukugcinwa kunye neNtlawulo ePhantsi

Gqiba ukuba yimalini na imali oyilondolozileyo, ngakumbi intlawulo ephantsi.Intlawulo ephantsi ephezulu inokuchaphazela uhlobo lwemali-mboleko kunye nenqanaba lenzala oyifaneleyo.

5. Amanqaku etyala

Amanqaku akho ekhredithi adlala indima ebalulekileyo kwisiqinisekiso semali-mboleko kunye namazinga enzala.Jonga ingxelo yakho yekhredithi ukuchaneka kwaye usebenze ekuphuculeni amanqaku akho ekhredithi ukuba kuyimfuneko.

Ukubala Ukufikeleleka

Nje ukuba unomfanekiso ocacileyo wemeko yakho yezemali, unokubala ukuba yimalini na indlu onokuyihlawula.Isikhokelo esiqhelekileyo ngumgaqo wama-28/36:

• 28% Umthetho: Iindleko zakho zenyanga zezindlu (kubandakanya imali-mboleko, irhafu yepropathi, i-inshurensi, kunye nayo nayiphi na imirhumo yombutho) akufanele idlule kwi-28% yomvuzo wakho wenyanga uwonke.
• 36% Umthetho: Iintlawulo zakho zetyala lilonke (kuquka iindleko zendlu kunye namanye amatyala) akufuneki lidlule kwi-36% yomvuzo wakho wenyanga uwonke.

Sebenzisa ezi pesenti ukuqikelela intlawulo yemali-mboleko ekhululekile.Gcina ukhumbule ukuba ngelixa le migaqo inikezela ngesikhokelo esiluncedo, iimeko zakho zemali ezizodwa zinokuvumela ukuguquguquka okungakumbi.

Imiba eyongezelelweyo emayiqwalaselwe

1. Inzala

Gcina iliso kwinzala yangoku yemali-mboleko, njengoko inokuchaphazela kakhulu intlawulo yakho yenyanga yokubambisa.Izinga lenzala elisezantsi linokunyusa amandla akho okuthenga.

2. I-Inshurensi yeKhaya kunye neeRhafu zePropati

Ungalibali ukubandakanya ezi ndleko xa ubala ukufikeleleka.Zinokwahluka ngokuxhomekeke kwindawo yakho kunye nepropati oyikhethayo.

3. Iinkcitho zexesha elizayo

Qwalasela iindleko ezinokubakho kwixesha elizayo, ezinjengokulungisa, ukulungisa, kunye nemali yombutho wabaninimzi, xa usenza uqingqo-mali lwakho.

4. Ingxowa-mali kaxakeka

Gcina ingxowa-mali yexesha likaxakeka ukuze uhlawule iindleko ezingalindelekanga, ezinokukunceda ukuba uphephe ubunzima bezemali.

Inkqubo yokuvunywa kwangaphambili

Ukufumana uvavanyo oluchanekileyo malunga nokuba yimalini na indlu onokuthi uyihlawule, cinga ngokuvunywa kwangaphambili kwi-mortgage.Oku kubandakanya ukubonelela ngolwazi lwakho lwezemali kumbolekisi oza kuphonononga ikhredithi yakho, umvuzo kunye namatyala ukuze agqibe isixa semali mboleko onokuthi uyifanele.

Ukubonisana noMcebisi wezeziMali

Ukuba ufumanisa ukuba inkqubo inzima okanye uneemeko ezizodwa zezimali, kububulumko ukubonisana nomcebisi wezezimali okanye ingcali yezemali mboleko.Banokukunika isikhokelo somntu ngamnye kwaye bakuncede wenze izigqibo ezizizo.

Ukuqukumbela

Ukumisela ukuba yimalini na indlu onokuthi uyihlawule linyathelo elibalulekileyo kwinkqubo yokuthenga ikhaya.Kubandakanya ukuphononongwa ngokucokisekileyo kwemeko yakho yezemali, kuqwalaselwe iinkalo ezahlukeneyo, nokuqonda imida yoqingqo-mali lwakho.Ngokulandela izikhokelo ezinikelwe kwesi sikhokelo, ukufuna imvume yangaphambili, kunye nokufuna ingcebiso yeengcali xa kuyimfuneko, unokwenza isigqibo esinolwazi kwaye uqalise uhambo lwakho lobuninimzi ngokuzithemba.

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.