Amakhaya axeliweyo, ziyintoni kwaye zinokuthengwa njani? Thenga ipropathi kwi- utyhilo ingayi ishishini elikhulu , ukuba unako ukujongana nayo nayiphi na ingozi. Qiniseka ukuba ikhaya lakho liyahlolwa kwaye ufumanise ukuba angakanani amanye amakhaya akule ndawo achitha imali. Ngale ndlela, awuyi kuphela ukuhlawula ngaphezulu kunokuba kufanelekile.
Ukuhluthwa likhaya elihluthwayo kwaye liyathengiswa yibhanki enike umniniyo mboleko mboleko. Xa ubona indlu idwelisiwe njengexeliweyo, oko kuthetha ukuba yeyabanini. Yonke ikhontrakthi yemali mboleko ine-lien kwipropathi yakho. Amanga avumela ibhanki ukuba ilawule ipropathi yakho ukuba uyeka ukwenza intlawulo yakho yobambiso .
Nazi ezinye zezizathu eziqhelekileyo zokubhengezwa kwangaphambili:
- Imali engenakoyiswa yonyango okanye ikhadi lamatyala elithintela umnini-mhlaba ekubeni enze iintlawulo
- Ukutshatyalaliswa okufuna ukupheliswa
- Ukuphulukana nomsebenzi okanye ukuhamba
- Ukuwa okukhulu kwixabiso lendlu
- Iingxaki zesondlo ezixabisa kakhulu ukuzilungisa nokwenza ikhaya lingabi nakuhlalwa
Ukuthenga ikhaya elixeliweyo kwahluke kancinane kunokuthenga ipropathi esemgangathweni kumninindlu. Uninzi lwangaphambili luthengisiwe njengoko lunjalo, oko kuthetha ukuba awunakuthetha-thethana nebhanki ukuze ikulungiselele.
Izibonelelo zokuthenga ikhaya elihluthweyo
Kukho izibonelelo zokuthenga ikhaya elixeliweyo:
Amaxabiso asezantsi:
Isibonelelo esingenakuphikwa kukuba phantse bahlala bexabisa ngaphantsi kunamanye amakhaya akule ndawo. Kungenxa yokuba amaxabiso abolekiswa ngumbolekisi, onokwenza inzuzo kuphela xa kuthengisiwe ikhaya.
Ambalwa amagama exhala:
Ukuthenga indlu kumnini-mhlaba kuthetha ukuba awunakufumana itayitile ecocekileyo, ilungelo elisemthethweni lokuba nepropathi. Umnini usenokubuyisa irhafu okanye i-liens ekhayeni enokumnyanzela ukuba arhoxise intengiso. Xa uthenga ikhaya elixeliweyo, awunakukhathazeka malunga neetayitile kuba ibhanki iyasicima isihloko.
Ukucwangciswa kwemali mboleko esemgangathweni:
Kuya kufuneka uhambe ngenkqubo eyahlukileyo yokubhida kunye nokuthenga xa uthenga kuthengiso, kodwa usenokhetho oluthile lwemali mboleko. Unokufumana imali-mboleko ye-VA, umboleko we-FHA, okanye umboleko we-USDA ukuyithenga, ukuba nje ikhaya ocinga ngalo likwimeko yokuhlala. Ezi mboleko zixhaswa ngurhulumente zingenza ubunini bamakhaya bunokufikeleleka.
Ukubanakho ukuhlaziywa:
Kwiimeko ezininzi, iibhanki azikulungelanga ukulungisa kunye nokulungisa ngaphambi kokuthengisa utyhilo. Nangona kunjalo, akukho mthetho uthi ibhanki ayinakho ukuphatha ulungiso lwakho. Ukuba ufumana ikhaya ebelisoloko likho kwimarike kangangexesha elide, unokukwazi ukweyisela ibhanki ukuba ilungise izinto ngaphambi kokuba ungene.
Ukungancedi kokuthenga ikhaya elihluthweyo
Ukuthenga ikhaya elixeliweyo kuyingozi kunokuthenga ikhaya elinabanini. Eminye yemiqobo yokuthenga ipropathi exeliweyo ibandakanya:
Ukwanda kwenkxalabo yesondlo:
Abanini bamakhaya abanasikhuthazo sokugcina imeko yekhaya xa besazi ukuba bazakuphulukana nepropathi yabo ekuthinjweni. Ukuba kukho into ephukileyo, umnini-mhlaba akasayi kuchitha mali ukuyilungisa, kwaye ingxaki inokuba mandundu ngokuhamba kwexesha. Abanini bezindlu banokude bonakalise ngabom ipropathi. Unoxanduva lokulungisa naziphi na iingxaki elinokuba nazo ikhaya xa uthenga ikhaya elixeliweyo.
Njengokuba bekuyintengiso:
Eyona nto ixhalabisayo ebhankini kukubuyisa imali yakho ngokukhawuleza, oko kuthetha ukuba intengiso injalo phantse kuzo zonke iimeko. Akufanele uthenge ikhaya elixeliweyo ukuba awunayo imali ebalulekileyo yokutyala imali kulungiso.
Iifandesi:
Ibhanki inokuthatha isigqibo sokuba elona khondo lilungileyo lokuthengisa kukuthengisa indlu kwifandesi kanothimba. Kwimeko apho, kuya kufuneka uhlawule ixabiso elipheleleyo lesithembiso ngaphambi kokuba uthathe uxwebhu lwetayitile. Ngokwesiqhelo awukwazi ukufumana imali mboleko yekhaya elithengwe kwifandesi kuba ukubhala phantsi kunye novavanyo lwentsebenzo luthatha ixesha elide.
Amaxesha okuhlengwa:
Kungenxa yokuba ikhaya lidwelisiwe njengoko lixelwe kwangaphambili kwindawo yokuthengiswa kwezindlu ayithethi ukuba ikhaya liza kuthengiswa. Phantse onke amazwe abonelela abaninimzi ixesha lokugcina apho banokufumana amakhaya abo ngokubamba amatyala abo. Kweminye imimandla, abaninimzi banokufumana ukuya kuthi ga kwiinyanga ezili-12 ukubuyisa ulawulo lwepropathi yabo.
Umhlali wangoku unamalungelo:
Ikhaya linokuphangwa ngokusemthethweni, kodwa oko akuthethi ukuba akukho mntu uhlala kuloo ndlu. Amakhaya amaninzi axeliweyo ahlala engenabantu kangangeenyanga okanye iminyaka, nto leyo enokutsala abahlali. Ukuba uthenga ipropathi enomhlali ngokungekho semthethweni ohlala kuyo, kufuneka uyikhuphe ngokusemthethweni, nokuba umntu okanye abo bantu kuthethwa ngabo abanalo ilungelo lokungena kwelo khaya. Oku kungathatha iinyanga kwaye kubize amawaka eedola kwimirhumo yegqwetha.
Ungalithenga njani ikhaya ekubonisweni
Ngaba ucinga ukuba ukuthenga ukuBhengezwa kulungile kuwe? Nanga amanyathelo onokuwathatha ukuthenga ikhaya ekuchazeni:
Inyathelo 1: Chonga ukuba ngubani oza kuyithenga le propati.
Zintathu iindlela zokuthenga ikhaya kuthengiso: kumnini, ebhankini, okanye kwifandesi.
Intengo kumnini
Ngokobuchwephesha, awuthengi mzi kumninikhaya onepropathi ekutshatyalalisweni. Into ehlala iqhubeka kwimeko leyo kukuba intengiso emfutshane iyakwenzeka. Intengiso emfutshane iyenzeka xa umnini ethengisa indlu ngexabiso elingaphantsi kwento ayityalayo kwimali mboleko. Xa uthenga ikhaya ekuthinjweni, ibhanki (ingenguye umnini) kufuneka ivume isicelo sakho. Unokuchitha ixesha elide ulinde ukuvunywa.
Thenga ebhankini
Utsiba ngokusebenza nomnini-mhlaba ngokupheleleyo xa uthenga ipropathi ebhankini. Ibhanki ngokubanzi icoca isihloko kwaye igxotha umnini wangoku ngaphambi kokuba uthenge ipropathi exeliweyo. Uninzi lweebhanki aluyi kuthengisa indlu ngokuthe ngqo kumntu; Kuya kufuneka uthethe nommeli onamava wokuthengisa izindlu nomhlaba ukuze ubone ukuba zeziphi iipropathi ezikhoyo. Ezi zindlu zithengiswa ngokubanzi njengoko zinjalo. Nangona kunjalo, uya kuba nethuba lokujonga ikhaya kunye noku-odola ukuhlolwa ngaphambi kokuvala.
Thenga kwifandesi
Uzakufumana ikhaya ngokukhawuleza efandesini kunokuba ubuya kuthethana nebhanki okanye umthengisi. Nangona kunjalo, uninzi lweefandesi zamkela kuphela ukuhlawulwa kwemali, oko kuthetha ukuba kuyakufuneka ube nesixa semali esilungele ukuthengwa. Ngokuthenga kwifandesi, uyavuma ukuba uthenge ikhaya ngaphandle kovandlakanyo okanye uhlolo. Oku kuthetha ukuba usemngciphekweni omkhulu xa uthenga ikhaya elixelwe kwangaphambili kwifandesi.
Ingumbono ogqwesileyo ukumisela imeko yokutshixwa kwekhaya ofuna ukulithenga okanye unxibelelane nommeli wearhente yokuthengiswa kwezindlu.
Inyathelo 2: Sebenza kunye nearhente yokuthengisa izindlu nomhlaba ukwenza ukuthengwa kube lula.
Uninzi lweebhanki zabela iipropathi ezixeliweyo kwiarhente yokuthengiswa kwezindlu (i-REO) esebenza nabameli bearhente yokuthengisa izindlu nomhlaba ukufumana umthengi.
Ayizizo zonke iiarhente ezithengisa izindlu nomhlaba ezinamava okusebenza neearhente zeREO. Ummeli onolwazi onolwazi unokukunceda uhambe kwinkqubo yakho yokuthenga ye-REO, uthethathethwano ngexabiso lakho, ucele ukuhlolwa, kwaye wenze isithembiso. Khangela iiarhente ezithengisa izindlu nomhlaba kwindawo yakho kwaye ufumane iarhente egxile ekuthengiseni kwangaphambili.
Inyathelo lesi-3: Vunywa ukuze ubolekise ngemali oza kuyithenga.
Ngaphandle kokuba uthenge ikhaya kwifandesi yokuchasana nendawo, uyakufumana imali mboleko yokuxhasa ukuthenga kwakho ekhaya. Nje ukuba ufumane iarhente kwaye waqala ukukhangela amakhaya, uya kufuna fumana kwangaphambili imali mboleko . Ukwamkelwa kwangaphambili kukwazisa ukuba ungafumana malini kwimali mboleko yekhaya. Khetha umbolekisi kwaye ucele ukubolekwa kwangaphambi kokuvunywa kwindlu yakho ukuze unciphise uphando lwakho.
Inyathelo 4: Yenza uvavanyo lwentengiso kunye nokuhlolwa kwepropathi.
Uvavanyo kunye novavanyo lubalulekile xa kufikwa ekuthengeni ubhengezo. Uvavanyo lweemfuno luyimfuneko kumbolekisi ekuvumela ukuba wazi ukuba yimalini ixabiso lepropathi. Ababolekisi bafuna uvandlakanyo phambi kokubonelela ngemboleko mali yendlu kuba kufuneka bazi ukuba ababoleki imali eninzi kakhulu.
Uvavanyo kukujongwa ngokujule ngakumbi kwekhaya. Ingcali iya kujikeleza indlu kwaye ibhale phantsi nantoni na efuna ukutshintshwa okanye ukulungiswa. Ngenxa yokuba ulwazelelo ngokubanzi lunomonakalo omkhulu kunamakhaya athengiswayo ngumnini, kuya kufuneka unyanzelise kuhlolo ngaphambi kokuthenga ikhaya elixeliweyo.
Ngamanye amaxesha awunalo ithuba lokucela ukuhlolwa okanye ukuvavanywa ngaphambi kokuba uthenge. Kuya kufuneka uthathele ingqalelo kuphela ukuthenga iipropathi ezichaziweyo ukuba uhambele phambili kulungiso lwasekhaya.
Inyathelo 5: Thenga ikhaya lakho elitsha
Funda iziphumo zovavanyo kunye novavanyo kwaye uthathe isigqibo sokuba ngaba ikhaya ekuthethwa ngalo lilungile kuwe kwaye ukuba ulungile ngokuthenga ikhaya njengoko linjalo. Nxibelelana nombolekisi wakho wobambiso ukuze ugqibezele imali mboleko yakho ukuba unayo imali okanye izakhono zokwenza ukulungiswa okuyimfuneko. Umenzeli wakho wezindlu uya kukunceda ukuba ubonise ngesithembiso sakho kwaye akulungiselele ukuvalwa.
Ukuthatha izinto eziphambili
- Uqikelelo lwenzeka xa umnini khaya esilela ekubambiseni imali mboleko yakhe kwaye ungaphaya kweentsuku ezili-120 kwimali mboleko.
- Iibhanki kunye neearhente zikarhulumente zibanga ezi propati emva koko bazithengise ukubuyisa ilahleko yabo yezemali.
- Ungazithenga iipropathi ezixeliweyo kwifandesi okanye ngokuthe ngqo kwiibhanki nakwii-arhente.
- Kuhlala kunzima ngakumbi kwaye kudla ixesha ukuxoxa malunga nokuthengwa kwempahla ngenxa yokubandakanyeka kwebhanki yecandelo, kodwa uya kuhlawula kancinci.
Imithombo yenqaku
- IOfisi yoKhuseleko lwezeMali zabaThengi. Isebenza njani into yokuxelwa kwangaphambili? , Kufumaneka ngo-Agasti 5, 2020.
- IOfisi yoKhuseleko lwezeMali zabaThengi. Andikwazi ukwenza intlawulo yam yemali mboleko. Kuya kuthatha ixesha elingakanani ngaphambi kokuba ujongane nobhengezo? , Kufumaneka ngo-Agasti 5, 2020.
- IZiko lokuThengwa kweZindlu. Ungalithenga njani ikhaya ekubonisweni . Ukufikelela kokugqibela: Agasti 5, 2020.
- ULusu. Izindlu zedola enye . Ukufikelela kokugqibela: Agasti 5, 2020.
- Wells Fargo usetyenziso lweWindows kwi- Ivenkile yeWindows Ukuthenga ubhengezo . Ukufikelela kokugqibela: Agasti 5, 2020.
Iziqulatho
- Izibonelelo zokuthenga ikhaya elihluthweyo
- Amaxabiso asezantsi:
- Ambalwa amagama exhala:
- Ukucwangciswa kwemali mboleko esemgangathweni:
- Ukubanakho ukuhlaziywa:
- Ukungancedi kokuthenga ikhaya elihluthweyo
- Ukwanda kwenkxalabo yesondlo:
- Njengokuba bekuyintengiso:
- Iifandesi:
- Amaxesha okuhlengwa:
- Umhlali wangoku unamalungelo:
- Ungalithenga njani ikhaya ekubonisweni
- Inyathelo 1: Chonga ukuba ngubani oza kuyithenga le propati.
- Intengo kumnini
- Thenga ebhankini
- Thenga kwifandesi
- Inyathelo 2: Sebenza kunye nearhente yokuthengisa izindlu nomhlaba ukwenza ukuthengwa kube lula.
- Inyathelo lesi-3: Vunywa ukuze ubolekise ngemali oza kuyithenga.
- Inyathelo 4: Yenza uvavanyo lwentengiso kunye nokuhlolwa kwepropathi.
- Inyathelo 5: Thenga ikhaya lakho elitsha
- Ukuthatha izinto eziphambili
- Imithombo yenqaku