Yini engcono ukuthatha isikweletu sendlu noma semalimboleko?

Lapho kuphakama isidingo sokuthola imali ebolekiwe edingekayo yokuthenga ikhaya, imvamisa okuwukuphela kwesixazululo esiza engqondweni ukubambisa ngempahla. Ukuthenga ifulethi noma indlu, ungasebenzisa eminye imikhiqizo yesikweletu, isibonelo, imalimboleko yabathengi yemali. Yiziphi izinzuzo nezinkinga zokubolekwa kwemali mboleko ngaphezu kwemali mboleko yomthengi?

Izinzuzo nobubi bemalimboleko yekhaya ebanjiswayo

Njenganoma iyiphi imali mboleko, imali mboleko ikunikeza ithuba lokuthenga impahla (ifulethi elihlukile noma indlu yakho) ngaphandle kokuzama ukudlula ukukhula kokulondolozwa, ukukhula kwamanani entengo yempahla kanye nezinga lokwehla kwamandla emali. Ukuyeka eceleni izici ezitholakala kuzo zonke izinhlobo zemalimboleko, ake sihlole izimo ezithile zokunikezwa kwemali mboleko yempahla.

Ake siqale ngezici ezinhle kakhulu zokubanjiswa kwemali:

• Elinye lamanani enzalo aphansi kakhulu wemalimboleko yokuthengisa yimali mboleko yezindlu. Zingaba yi-10-16.25% ngonyaka, ngoba izingozi zokungabuyisi lapho uthembisa ebhange langempela lincane.
• Ithuba lokuthola uxhaso nezinxephezelo ezivela kuhulumeni, kwehliswa izinga laya ezingeni elingu-7-8% ngonyaka.
• Ubukhulu besibambiso sithembela ekuxazululeni nasekuthembekeni kwalowo obolekayo.
• Ukuboleka isikhathi eside - kuze kube yiminyaka engama-30, okuthi, kuhlanganiswe nezinga lenzalo eliphansi, kunikeze izinkokhelo ezincane zenyanga ukukhokha imali ebolekiwe.

Izici ezingezinhle zokubolekiswa kwekhaya ngaphansi kwezinhlelo zokubambisa ngempahla:

1. Ukukhokhelwa okukhulu ngokweqile kokusebenzisa imali ebolekiwe nokusevisa imalimboleko amashumi eminyaka ambalwa - kungadlula izikhathi eziningana izindleko zefulethi elithengiwe.
2. Isidingo sokukhokha phansi ngemali yomuntu siqu esamba esingu-10-30% wezindleko zezindlu - leli nani kuzofanele liqoqwe.
3. Izindleko ezinkulu ezengeziwe zokubhaliswa kwempahla ebanjiswayo, ikakhulukazi: ukukhokhela izinsizakalo zezinhlangano ezivela eceleni ezizosiza ekulungiseleleni amadokhumende, ukhethe inketho efanelekile yezindlu, ukuhlola indawo ebolekiwe, ukuvikela ubungozi bokulahleka noma bokulimala bese uthatha ezinye izinyathelo ezihlobene.
4. Ukwehluleka ukuthatha inani elincane ngaphansi kohlelo lwempahla ebanjiswayo. Kunzima ukuthola imali engaphansi kwengxenye yesigidi ekubanjisweni kwempahla, ngoba izindleko zebhange zokuyikhokha ziphezulu kakhulu, futhi akunanzuzo kwezomnotho ukuhlinzeka ngemali encane kangako yemali ebolekiwe. Uma uthenga ifulethi elingabizi kakhulu edolobheni elincane noma indlu eshibhile emzaneni, noma ingenayo imali eyanele yokuthenga indlu oyifunayo, ibhange lingenqaba ukukhipha imali yokubambisa.
5. Kukhawulela ukusetshenziswa kwe-real estate kuze kube yilapho sekukhokhwe ngokuphelele imalimboleko. Ungahlala efulethini, kepha ungaliqasha, uhlele ukwakhiwa kabusha, uqale ukwakhiwa kabusha, unikele ngalo noma ulizuze njengefa, ubhalise amanye amalungu omndeni kulo, kungenzeka kuphela ngemvume yebhange okweletwayo.

Ungalahlekelwa yizimpawu zengqondo ezingadala ukungakhululeki nokukhuphuka kwesasasa elingokomzwelo lomboleki osekuyiminyaka eminingi eboshiwe. Isimo sokuxineka singakhuliswa iqiniso lokuthi ibhange alizemukeli izimali zokubuyisa imali mboleko kusenesikhathi futhi ngaphandle kwezinhlawulo ezibalulekile futhi akunakwenzeka ukusheshisa inqubo yokukhokha isikweletu. Lokhu kuncika kumbolekisi kubonakaliswa ikakhulukazi ngoshintsho olwenziwe unilateral ngokuya ngesivumelwano semalimboleko nokwenyuka kwezinga lenzalo.

Izinzuzo nobubi bemalimboleko yabathengi yezindlu

Ungabala imali mboleko yomthengi ngokheshi ngokuthenga ifulethi. Amanye amabhange athembisa ukwamukela nganoma iyiphi inhloso kuze kube yizigidi ezingama-ruble ngaphandle kokuthembisa indawo etholakele.

Masikhulume ngezinto ezizuzisayo zokuthenga ikhaya usebenzisa imali mboleko yabathengi:

• Ijubane eliphezulu lokucatshangelwa kwesicelo nokunikezwa kwezimali;
• Ukutholakala kanye nezidingo ezinesilinganiso esiphansi salabo abangaba ababoleki;
• Iphakethe elincane lemibhalo;
• Isibambiso singasebenza njengesibambiso;
• Ungathola noma yiliphi inani;
• Akunasidingo sokonga kwakho;
• Ngomkhiqizo wemalimboleko okhethwe kahle - ukukhokhiswa okuncane kakhulu okusetshenziselwa izimali zemalimboleko.

Okubi kwezimalimboleko zabathengi:

1. Izinga lenzalo ephezulu kakhulu yemalimboleko yemali engahlosiwe - cishe i-17-30% ngonyaka.
2. Ubunzima ekuqinisekiseni ukuthi solvency - imvamisa amabhange awahlinzeki ngokuheha ababambisene ngokubambisana ukukhuphula inani lemali engenayo, ebhekwayo lapho kubalwa inani eliphezulu kakhulu lokuboleka.

Izinzuzo zokusebenzisa izimali ezivela embolekweni wabathengi ongafanele ukuthenga ikhaya zisobala - kungcono ukuzihlupha futhi usikhokhe ngokushesha isikweletu kunokuhlala iminyaka eminingi ngokwesaba ukuthi kungenzeka ulahlekelwe yifulethi elibanjiswe ngempelasonto, ukhokhele ibhange lempahla njalo ngenyanga.