07/25/2023

Ukuqalisa uhambo lokuthenga ikhaya lakho lokuqala yinkqubo enika umdla nentsonkothileyo ezaliswe ngamava amatsha, izigqibo ekufuneka zenziwe, kunye nezinto ekufuneka uziqwalasele.Eli nqaku lijolise ekukhanyiseleni imiba ephambili yenkqubo, kubandakanywa uncedo lokuhlawula phantsi, ukufumana elona xabiso lihle lokuboleka imali, ukuqonda ingcamango yentlawulo ephantsi, kunye nokukhangela inkqubo yesicelo semali-mboleko.

Igama elithi "umthengi wendlu wokuqala" ngokuqhelekileyo libhekisa kumntu okanye usapho oluthenga ipropati okokuqala okanye olungenalo naliphi na ipropati kule minyaka mithathu idlulileyo.Ukumisela ukuba ungumthengi wekhaya okokuqala kuxhomekeke kakhulu kwimbali yobunini bepropathi yakho.Nazi ezinye iikhrayitheriya onokuzisebenzisa ukuvavanya isimo sakho:

- Awuzange ube nepropati: Ukuba awuzange uthenge ipropati ngaphambili, uthathwa njengomthengi wokuqala wendlu.

- Awuzange ube nepropati kule minyaka mithathu idlulileyo: Nokuba ubunepropati ngaphambili, unokuthatyathwa njengomthengi wendlu okokuqala ukuba sele kudlule iminyaka emithathu ukususela oko wathengisa ipropati.

- Ubunepropati kunye neqabane lakho kuphela: Ukuba ubutshatile kwaye unekhaya neqabane lakho, kodwa ngoku awutshatanga kwaye awunandawo yedwa, ungathathwa njengomthengi wendlu okokuqala.

- Ungumnikazi wekhaya ogxothiweyo okanye umzali omnye: Ukuba unekhaya elinye kuphela neqabane lakho kwaye ngenxa yotshintsho kubomi bakho, ngoku ungumzali omnye okanye ummi wekhaya oshiye ikhaya engenatayitile yepropati, unokubonwa njengekhaya lokuqala. umthengi Ngu.

Kwezinye iindawo, abo baqalayo ukuthenga izindlu banokufumana inkuthazo, njengezaphulelo kumaxabiso ezindlu okanye isaphulelo serhafu.Injongo yala manyathelo kukukhuthaza nokunceda abantu abaninzi bafikelele kubunikazi bamakhaya.Kodwa ikwabangela imingeni.Eyona nto ibalulekileyo kule mingeni idla ngokuba yintlawulo ephantsi.

Intlawulo ephantsi sisixa semali ehlawulwe kwangaphambili xa uthenga ikhaya.Ngokwesiko, i-20% yentlawulo ephantsi ibe yinto eqhelekileyo, kodwa ngeNkqubo yoNcedo lweNtlawulo, oku kungancitshiswa kakhulu.Ihlala ibonelelwa ngoorhulumente basekhaya okanye basekhaya okanye abangenzi nzuzo, ezi nkqubo zibonelela ngeegranti okanye iimali-mboleko ezinenzala ephantsi kwezinye okanye zonke intlawulo ephantsi, zenza ubunini bezindlu bube lula kwabaninzi.

Ngelixa intlawulo ephantsi ingumqobo obalulekileyo, ayisiyiyo yodwa inkalo yezemali ekufuneka iqwalaselwe.Inzala yemali-mboleko yendlu, okanye inzala yemali mboleko yendlu, inokuchaphazela kakhulu iintlawulo zakho zenyanga kunye nesixa esipheleleyo oyihlawulela ikhaya lakho.Ke ngoko, ukufumana elona xabiso lilungileyo lemali-mboleko kubaluleke kakhulu.Ezi ntlawulo zinokwahluka kakhulu ngokuxhomekeke kumanqaku akho etyala, uhlobo lwemali-mboleko, kunye nombolekisi, ngoko kufanelekile ukwenza uphando lwakho, uthelekise amaxabiso, kunye uthethathethwano ukuze uqiniseke ukuba ufumana eyona mali ingcono.

Wakuba uphonononge iinkqubo zoncedo kwaye wafunda malunga namazinga emali-mboleko, inyathelo elilandelayo yinkqubo yesicelo semali-mboleko.Oku kubandakanya ukubonelela ngolwazi lwezemali kwabo banokuba ngababolekisi abaya kuvavanya ukufaneleka kwakho kwityala kwaye bamisele uhlobo kunye nesixa semali mboleko ofanele ukuyifumana.Inkqubo inokuntsonkotha kwaye ifuna ingqalelo enononophelo kwiinkcukacha ukusuka kwinqanaba lokuvunywa kwangaphambili ukuya ekuvalweni kokugqibela kwesivumelwano.

Ukuqukumbela, ukuba ngumthengi wekhaya okokuqala yinkqubo entsonkothileyo, enemigangatho emininzi efuna ukucwangciswa nokuqonda okukhulu.Ngokuziqhelanisa nezinto ezinje ngoncedo lwentlawulo ephantsi, awona maxabiso angcono okubambisa, iindlela zokuhlawula eziphantsi, kunye nenkqubo yokufaka isicelo semali-mboleko, abantu banokuqhubeka nale nkqubo ngokutyibilikayo nangokuzithemba.Ayikokuthenga ipropati kuphela, koko kukwakha ikhaya kunye nokutyala imali kwikamva lakho.

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.