Nokuba ujonge ukuthenga ikhaya lakho lokuqala okanye sele ungumninimzi onamava, mhlawumbi uvile ukuba ukuthenga ubhengezo yenye yeendlela ongagcina ngayo imali kwinkqubo-kodwa, ingaba isebenza njani le nkqubo? Kwaye kufanelekile? Kuthekani ngeengozi? Ukuba uzibuza le mibuzo-okanye ukuba ucinga ukuthenga ubhengezo kodwa unenkxalabo, nantsi into ekufuneka uyazi.
Ke… Yintoni iNgcaciso?
Amakhaya ayaxuthwa xa umninikhaya engasenakho ukuhlawula ubambiso- UZillow ucacisa ubhengezo njengenkqubo esemthethweni apho umnini ephulukana nawo onke amalungelo kwipropathi. Ngokusisiseko, ukuba umnini akakwazi ukuhlawula imali mboleko engekahlawulwa okanye ukuthengisa ipropathi ngokwabo, ikhaya liya kwifandesi yokuthintela. Ukuba ayikathengisi ngempumelelo kwifandesi yokuthintela, iba yipropathi yebhanki okanye yeziko elibolekisayo, elinokuthi emva koko liyithengise (amaxesha amaninzi ngokusebenzisa iarhente yokuthengiswa kwezindlu, kodwa ngamanye amaxesha kwifandesi yokuphelisa).
Ngaba kusebenza njani ukuThengisa ukuThintela?
Ngoku ka INerdWallet ‘Ingcali yemali-mboleko, u-Tim Manni, ukuthenga ubhengezo ayisiyiyo yonke into eyahlukileyo kwinkqubo yokubuyiswa kwekhaya-usafuna ukufumana imvume kwangaphambili kwayeumvuzo ozinzileyo, ityala eliphantsi kunye nenqaku elihle lekhredithi, Wachaza-nje ngemiqolomba embalwa. Inkqubo isenokucotha kwaye ibe ngumceli mngeni ngakumbi, kwaye okona kubaluleke kakhulu, kuya kufuneka ujongane nokulungiswa kwamakhaya kunye nokuziphucula ngokwakho.
12:12 intsingiselo
Awuthengi komnye umthengi, uthenga ikhaya kwibhanki, utshilo uMann. Oku kunokuthetha ukuba unxibelelwano lucotha, kuncinci uthethathethwano xa kufikwa kwixabiso lokucela, kwaye uthenga indlu ‘njengoko injalo.’ Oko kuthetha ukuba akukho mntu unokuyilungisa ngaphambi kokuba uyihambise. Nokuba yeyiphi na imeko ekule meko, nantso ke indlela oyifumana ngayo.
→Ifomula yoMlingo enokuGuqula nabani na abe ngumninikhaya
Zithini iinzuzo zokuthenga ukuBhengezwa?
Eyona projekthi inkulu yokuthenga ikhaya elixeliweyo? Izakubiza imali encinci ukuthenga. Kukho ithuba elihle ngokwenene lokuba ixabiso lokuhluthwa liza kuba lixabiso eliphantsi kunepropathi engeyoyebhanki, utshilo uMann.
Kwaye ukuba ujonge ukufakela ikhaya njengotyalo mali, uMannni uthe ukubhengezwa yinto ekhethiweyo. Kubathengi abafuna ukuntywila iinzwane zabo kumanzi othengisa izindlu nomhlaba, ukuthenga ukutyhilwa linyathelo lokuqala elihle.
Kuthekani Ngeengozi? Ngaba ayinabungozi?
Kusenokwenzeka ukuba ukuba uthenga ubhengezo, ayizukulungela ukungena. Unokonga imali ngokuthenga ngokwakho, kodwa ngokuqinisekileyo uya kufuna ukuqinisekisa ukuba awuyi kuthi ekugqibeleni ugqibe inkcitho Kaninzi ukuzama nje ukuyilungisa-kubalulekile ukwazi ukuba uzifaka entweni.
Ithetha ntoni u-5: 55
Ngokuqinisekileyo, ibhanki ingamhlawula umgcini mhlaba wendawo ukusika ingca kube kanye ngeveki, kodwa ngaphakathi, indlu inokuthi ingahoywa, ucacisile uMann. Ukungabikho kokuhamba komoya kuphela-ukusuka kubahlali abenza izinto ezilula njengokuvula nokuvala iingcango kunye neefestile-kunokukhokelela ekukhuleni komngundo kunye nezinye iintsholongwane.
Ngaphandle kwemicimbi yolondolozo olunokwenzeka, uManni ucacisile ukuba inkqubo yokuthenga inakho ukukhohlisa kancinci-imicimbi enesihloko kunye ne-liens ngokuchasene nepropathi inokuvela, umzekelo-yiyo loo nto ecebisa ukusebenzisa igqwetha lokuthengisa izindlu nomhlaba ukuba uceba ukuthenga ubhengezo.
Gcina Ncamathisela Bona eminye imifanekiso (Ityala lemifanekiso: Unyango lweNdlu)
Iingcebiso kubaxhamli bexesha elizayo
Kungenxa yokuba inobungozi obuncinci, oko akuthethi ukuba ayifanele.
lithetha ntoni 10 10
- Misela isicwangciso sakho kuqala. NgokukaManni, enye yezinto zokuqala ekufuneka uzifumanisile kukuba ingaba ucwangcise ukufakela ikhaya, uliqeshise okanye uhlale kulo. Eso sigqibo siyakuba nefuthe kubungakanani bemali oyichithayo kulungiso kunye nokuphucula, kwaye kufuneka ngokukhawuleza kangakanani ukwenza olo phuculo, utshilo uMann. Ukuba uthenga ubhengezo kwi-flip, lonke uphuculo lwakho kufuneka lwenziwe ngexesha elifutshane, kwaye oko kuthetha ukuba ne-chunk enkulu yotshintsho ngaphambili kwaye ukulungele ukuya. Ukuba uza kurenta okanye uhlale kwipropathi, ungenza uhlaziyo lwakho kancinci kancinci ngokuhamba kwexesha.
- Sebenzisa iingcali ezinamava. Amava abaluleke kakhulu, utshilo uMann. Konke kuqala ngokuqesha iingcali ezifanelekileyo. Ukufumana iRealtor ngamava endawo kunokuba kungonelanga. Ufuna ukuqesha uMtyali oqhelene nommandla kwaye wakhe wasebenza ngokuthintela ngaphambili. Kukwabalulekile ukuqesha ikontraka elinamava omthembileyo, kunye nomhloli wekhaya. Kwaye kwakhona, ukuqesha igqwetha lokuthengiswa kwezindlu kungumbono oqinisekileyo.
- Qinisekisa ukuba wenza uphando-kwaye uhlakaniphile malunga nemali. Kuyalingwa ukuntywila kanye xa ixabiso lilungile, u-AKA uphantsi, utshilo uMann. Kodwa ufumana ntoni ngeli xabiso? Ngenxa yemeko yekhaya, uzakuchitha imali engakanani ukuyikhawulezisa? Ukuba uza kuyitshintsha, athini amaxabiso athelekiswayo kumakhaya athengiswayo kwindawo enye? Yonke le mibuzo kufuneka uzibuze kwaye ufumane impendulo kuyo ngaphambi kokuba uhambe.
Kwaye ukuba eyona nto uyifunayo likhaya elinokufikeleleka ngakumbi kodwa awufuni umngcipheko oza nokuthenga ukubhengezwa, zikho ezinye iindlela onokuthi uziqwalasele. UManni ucebisa ukuba wandise uphando lwakho lwasekhaya ukuze lubandakanye ubumelwane obuninzi. [Oku] kunokukuvumela ukuba uthenge iintlobo ezahlukeneyo zeepropathi kumaxabiso ahlukeneyo, utshilo uManni, ngokuqaphela ukuba zikwakhona iinkqubo zoncedo kubathengi basekhaya ezinokukunceda ekuvalweni kweendleko kunye nentlawulo ezantsi-kufuneka wenze uphando lwakho.
Ukuba ufuna ulwazi ngakumbi malunga nokuthengwa kwangaphambili, Zillow , Isibulali sasekhaya , Ibhanki , Utyalomali kwaye IHGTV Zonke zinemithombo elungileyo enokunceda.
