Ingakanani indlu endinokuyifumana? IsiKhokelo esiBanzi

Xa kuziwa ekuthengeni ikhaya, omnye wemibuzo ebaluleke kakhulu oya kuhlangabezana nayo kukuba, "Ingakanani indlu endinokuyifumana?" Ukuqonda uhlahlo lwabiwo-mali lwakho kunye nemida yemali kubalulekile ukuqinisekisa ukuba wenza ubulumko kunye nozinzoutyalo-mali. Esi sikhokelo siya kukunceda ujonge izinto ezibonisa ukuba yimalini na indlu onokuthi uyihlawule, ikubonelela ngolwazi lokwenza izigqibo ezinolwazi.

Ukumisela Uhlahlo-lwabiwo-mali Lwakho

Inyathelo lokuqala ekuphenduleni "Ingakanani indlu endinokuyihlawula?" kukuvavanya imeko yakho yezemali. Oku kubandakanya ukujonga umvuzo wakho, iindleko, amatyala, kunye nogcino. Nantsi imiba ephambili ekufuneka iqwalaselwe:

1. Umvuzo: Bala umvuzo wakho wenyanga uwonke, kubandakanywa umvuzo, iibhonasi, kunye nayo nayiphi na enye into emuncuEZIyengeniso. Oku kuya kukunika umfanekiso ocacileyo wokuba yimalini ekhoyo onokuyichitha kwizindlu.

2. Iindleko: Dwelisa zonke iindleko zakho zenyanga, ezifana nezinto eziluncedo, igrosari, ezothutho kunye nokuzonwabisa. Thabatha ezi kumvuzo wakho ukuze ubone ukuba yimalini na onokuyaba kwintlawulo yakho yokubambisa.

3. Amatyala: Qwalasela nawaphi na amatyala akhoyo, afanaImali-mboleko yoMfundis, iintlawulo zemoto, kunye neebhalansi zekhadi letyala. Umlinganiselo wetyala lakho ukuya kwingeniso (DTI) yeyona nto ibalulekileyo esetyenziswa ngababolekisi ukubona ukuba yimalini na indlu onokukwazi ukuyihlawula. Ngokufanelekileyo, i-DTI yakho kufuneka ibe ngaphantsi kwama-36%.

4. Ugcino: Faka kugcino lwakho lwentlawulo ephantsi kunye neendleko zokuvala. Intlawulo ephantsi enkulu inokunciphisa iintlawulo zakho zenyanga zindlu kwaye inokukunceda ukuba ulungele ukufumana inzala engcono.

Iicalculator zokufikeleleka kwe-Mortgage

Ukusebenzisa i-calculator yokufikeleleka kwe-mortgage ingaba sisixhobo esiluncedo ekuphenduleni umbuzo othi, "Ingakanani indlu endinokuyihlawula?" Ezi zibalo zithathela ingqalelo ingeniso yakho, iindleko, amatyala, kunye nentlawulo ephantsi ukubonelela ngoqikelelo lwexabiso lekhaya onokulihlawula. Uninzi lweekhatyhuleyitha ezikwi-Intanethi zikwafaka irhafu yepropathi, i-inshurensi yabaninimzi, kunye ne-inshurensi yokubambisa, ikunika umfanekiso ochanekileyo ngakumbi weentlawulo zakho zenyanga.

Iikhrayitheriya zoMboleki

Ababolekisi basebenzisa iindlela ezininzi zokumisela ukuba yimalini na indlu onokuyihlawula, kuquka:

1. Inqaku leTyala: Amanqaku aphezulu etyala angakufanela ukuba ufumane inzala engcono kunye nemiqathango yemali-mboleko, okonyusa amandla akho okuthenga.

2. Ixesha leMali-mboleko: Ubude bexesha lakho lokubambisa (umzekelo, iminyaka eyi-15 vs. 30 iminyaka) buya kuchaphazela iintlawulo zakho zenyanga kunye nokufikeleleka ngokupheleleyo.

3. Umgangatho wenzala: Inzala yangoku inokuchaphazela kakhulu iintlawulo zakho zokubambisa. Amazinga asezantsi anyusa ukufikeleleka kwakho, ngelixa amazinga aphezulu ehlisa.

Ukuqukumbela

Ukuqonda "Ingakanani indlu endinokuyifumana?" kubandakanya uphononongo olucokisekileyo lwemeko yakho yemali, kuquka umvuzo wakho, iindleko, amatyala, kunye nogcino. Ngokusebenzisa iikhatyhuleyitha zokufikeleleka kwe-mortgage kunye nokuqwalasela iinqobo zombolekisi, unokufumana ukuqonda okucacileyo kohlahlo lwabiwo-mali lwakho kwaye wenze izigqibo ezinolwazi xa uthenga ikhaya. Khumbula, kubalulekile ukuba ukhethe ikhaya elihambelana nemida yakho yezemali ukuqinisekisa uzinzo lwexesha elide kunye nokukhululeka.

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.