Ukulungela ukubolekwa imali kuba ngumzamo ocwangcisiweyo, ngakumbi xa ujonge ukonyusa ukuhamba kwemali eveliswa ziipropati zotyalo-mali.Esi sikhokelo sijolisa kwiingqwalasela ezibalulekileyo kunye nezicwangciso ezisebenzayo zokulungela ukubolekwa imali-mboleko ngokusebenzisa ingeniso enokubakhona kwiipropati zotyalo-mali lwakho.

Ukuqonda ukuHamba kweMali yePropati yoTyalo-mali

Ingcaciso: Ukungena kwemali kwipropathi yotyalo-mali kubandakanya ingeniso evela kutyalo-mali lwezindlu nezindlu, olufunyenwe ikakhulu kwiintlawulo zerenti ezenziwe ngabaqeshi.Kwinkqubo yokufaneleka kwe- mortgage, ababolekisi basoloko behlola le miqukuqelo yemali ukuze balinganise amandla omboleki okubuyisela imali-mboleko.

Ukubaluleka kwiSiqinisekiso: Ukusebenzisa ukungena kwemali kwipropathi yotyalo-mali kwandisa inqobo yesiqinisekiso sesiqhelo, kunika ababolekisi imbono ebanzi yamandla emali yomboleki ngokuqwalasela kungekuphela nje ingeniso yobuqu kodwa nokubanakho ukwenza ingeniso kwiipropati zotyalo-mali.

Amanyathelo okuLungela uKubolekwa kweMali kusetyenziswa ukuHamba kweMali yePropati yoTyalo-mali

1. Amaxwebhu aneenkcukacha

Ukubonelela ngamaxwebhu abanzi ezakhiwo zakho zotyalo-mali, kubandakanywa:

• Izivumelwano zokuRenta: Icacisa imiqathango, izixa-mali zokurenta, kunye namaxesha okurenta.
• Ingxelo yeNgeniso: Gxininisa ingeniso eyenziwe yipropati nganye.
• IiNgxelo zeNkcitho: Iinkcukacha ngeendleko ezinxulumene nepropati.

2. Ukubalwa kweTyala-Service Coverage Ratio (DSCR).

Ababolekisi basoloko besebenzisa iDSCR ukuvavanya amandla epropathi ukuhlawula izibophelelo zetyala.Bala iDSCR ngokwahlulahlula:

• INgeniso yeNgeniso yokuSebenza (NOI): Ingeniso eyenziwe yipropati.
• IiMboleko zeTyala zoNyaka: Iintlawulo zezindlu zokuhlala kunye neendleko ezinxulumene noko.

3. Imbali eZinzileyo yokuRenta

Bonisa imbali ezinzileyo yokurenta ukubonisa ukuhamba kwemali okungaguqukiyo:

• Iingqeshiso Zexesha Elide: Bonisa naziphi na izivumelwano zokuqeshisa ezandisiweyo.
• Iimbali zeNtlawulo yoMqeshi: Gxininisa iintlawulo ezithembekileyo nezifike ngexesha.

4. Ukuba nekhredithi yobuqu

Ngelixa ukungena kwemali kwipropathi yotyalo-mali kungundoqo, ukufaneleka kwetyala lomntu kuhlala kungumba:

• Gcina iNqaku leTyala eliqinileyo: Amanqaku etyala asempilweni aphucula ukufaneleka kokuboleka imali.
• Idilesi yeMiba yeNgxelo yeTyala: Sombulula nakuphi na ukungangqinelani kwingxelo yakho yetyala.

5. Ukuqonda iziKhokelo zabaBoleki

Ababolekisi abohlukeneyo baneenqobo ezahlukeneyo zokujonga ingeniso yerenti:

• Uphando: Qonda izikhokelo ezithile zomboleki osebenza naye.
• Lungelelanisa Amaxwebhu: Qinisekisa ukuba amaxwebhu akho ahambelana nokulindelwe ngumbolekisi.

6. Oovimba kunye neziCwangciso zokuNgenzeka

Yomeleza isicelo sakho ngoovimba bezemali:

• Ingxowa-mali kaNgxamiseko: Yiba nogcino njengenethi yokhuseleko kwiindleko ezingalindelekanga okanye izithuba zexeshana.
• IziCwangciso zokuNquleka: Bonisa amandla akho okujongana nemiceli mngeni yezemali engalindelekanga.

7. Iingcebiso zobuNgcali

Funa isikhokelo kwiingcali ezinamava:

• I-Mortgage Professional: Qhagamshelana nengcali ye-mortgage eyazi kakuhle kutyalo-mali lwezindlu.
• Umcebisi wezeziMali: Fumana ulwazi malunga nokwandisa isicelo sakho kunye nokujongana neenkxalabo ezinokubakho.

Ukuqukumbela

Ukulungela ukufumana i-mortgage ngokwandisa ukuhamba kwemali kwipropathi yotyalo-mali kufuna amaxwebhu acokisekileyo, ulwazi lwemali, kunye nocwangciso lobuchule.Ngokuthobela la manyathelo, unokuphucula ukufaneleka kwakho kwimali mboleko yendlu ehambelana nomthungo neenjongo zakho zotyalo-mali lwezindlu nezindlu.Ukusebenzisana neengcali kushishino, ukuqonda izikhokelo zombolekisi, kunye nokugcina imeko yezemali eyomeleleyo kuya kukwandisa amandla akho okufumana imali-mboleko engahlangani nje kuphela kodwa engaphaya kolindelo lwakho.