Ungakugwema kanjani ukuba mpofu nokuthi yini ongayenza uma unjalo.

Ithini incazelo yobumpofu basekhaya? Futhi ungakugwema kanjani ukuba mpofu ekhaya? Hhayi-ke, akukhona nje lokho okwenzayo, kodwa ONGAKWENZI kungenza ibhajethi yendlu yakho ibe phezulu noma ibe phansi. Kubuhlungu ukusho, kodwa ulwazi oluningi mayelana nobunikazi bekhaya lungakushiya ungenakhaya, usesimweni esibi kakhulu ngokwezimali, futhi ugcwele ukuzisola.

Lawa akuwona amaqiniso angaphelele noma amathemba adukile. Kunalokho, ngikhuluma ngamahaba anesibindi angenakho ukuhlola okungokoqobo mayelana nokuthi impilo yakho izodlala kanjani eminyakeni ezayo.

Esikhundleni sokuxhumana kusengaphambili, ungase uhlangane nokuthula okuphelele ezindabeni eziyisisekelo ezifana.

1. Ngingakwazi ukuthenga indlu efana nalena?
2. Ingabe izinkokhelo zanyanga zonke zingenzeka?
3. Ingabe ngingakholelwa ngempela ukuthi le ndlu ingatholwa ikhaya elingcono uma idayiswa?

Abantu abaningi bahlala ezindlini abangakwazi ukuzikhokhela, okuyinto eshaqisayo. Kubalulekile ukuthola ukuthi kusho ukuthini ukuba mpofu ekhaya ngaphambi kokusayina noma yimaphi amaphepha omthetho.

Kusho ukuthini ukuba “mpofu ekhaya”?

Yini eyenza umuntu abe “mpofu ekhaya”? Uma uke wasohambweni lwezimali zomuntu siqu isikhashana, uyazi ukuthi, ezimweni eziningi, ukuthenga ikhaya ngokuvamile kuwukutshalwa kwezimali okuhle. Nokho, kwezinye izimo lokhu kungase kungabi njalo.

Lokhu kungenxa yokuthi abantu abaningi bangazithola besesimeni “sobumpofu basekhaya” uma unganakile. Abantu abaningi bathenga amakhaya ngoba bekholelwa ukuthi umuzi uwutshalomali. Nokho, lokhu kungase kungabi yiqiniso kuzo zonke izimo. Umuntu uthathwa njengompofu wasekhaya uma iningi lomholo wakhe wanyanga zonke lithenga noma linakekele ikhaya lakhe.

I-mortgage, isondlo, izinsiza kanye nokunye kuyizibonelo ezimbalwa nje. Ngenxa yalokho, abantu abakulesi simo bazithola benendawo encane noma bengenakho nhlobo yokunyakazisa ukunakekela ezinye izindleko ezivamile noma ukusebenzela imigomo yabo yokonga. Kwaziwa nangokuthi ubukhona Indlu ecebile, imali empofu

Kungase kubonakale kungenangqondo, kodwa noma ubani angathola kalula le ndawo. Lapho senza izinqumo, asihlali sithembele ezinombolweni zodwa. Akwanele ukucabangela izinombolo nje lapho uthenga indlu.

Abanye abantu bangase bashukunyiswe ithemba lokuba nezingane esikhathini esizayo futhi bafune indlu enkulu. Noma ukuba sendaweni enemfashini okulindeleke ukuthi ikhule ngokushesha eminyakeni ezayo kungase kubangele isifiso sokukhula.

Nakuba izinombolo zingaxoxa indaba, imizwa ingenza isinqumo esilula nesiqondile sokudala iqiniso elisha. Ayifinyeleleki izinga. Manje usuyayazi incazelo yegama elithi “indlu empofu.” Manje ake sikhulume ngokuthi kwenzekani uma umuntu ethenga indlu angakwazi ukuyikhokhela.

Kwenzekani uma abantu bethenga izindlu abangenawo amandla okuzikhokhela?

Kungakhathaliseki ukuthi uthenga ikhaya lakho lokuqala, uthenga ikhaya leholide, noma uthenga iyunithi yokuqashisa, cishe ucabanga ngakho njengobunikazi besakhiwo kunotshalomali, akunjalo?

Hhayi-ke uma ufuna ukugwema ukuba mpofu ekhaya. Engikubonile, Abantu abaphumelelayo kubunikazi bezindlu babheka ikhaya labo njengemali etshaliwe kusukela ekuqaleni..

Lokho akusho ukuthi abahlali kuyo futhi balenze ikhaya labo, kodwa basondela ekhaya lakho ngengqondo noma yimuphi umtshali-zimali angaba nayo lapho ecabangela indawo: umqondo osekelwe eqinisweni kanye namaqiniso amanani (hhayi imizwa).

Bayayiqonda imiphumela yezimali yokuphila okungaphezu kwalokho abakwazi ukukukhokhela ikhaya labo. Benza konke okusemandleni ukukugwema. Ubumpofu basekhaya bungaba nemiphumela yangempela, njengale:

Imali oyilondolozile izoncishiswa uma ungenalo ikhaya

Nakuba kungase kubonakale kukuhle ukutshala zonke izinsiza zakho ekuthengeni indlu oyifunayo, lokhu kungasho ukulahlekelwa emalini oyilondolozile. Ingabe udinga umatilasi omusha? Ngenxa yalokhu, ungagcina usungene ezikweletini. Ingabe udinga ukushintsha imoto yakho? Ngenxa yalokhu, ungagcina usungene ezikweletini.

Ingabe izingane zakho kudingeka ziye enyuvesi? Ukwenza lokhu, bazogcina sebengena ezikweletini. Ukuba mpofu ekhaya kukushiya ungenayo inkululeko yokunakekela ezinye izidingo zempilo zansuku zonke.

Lezi zinguquko zingase zibe nomthelela omubi ezinhlosweni zakho zokulondoloza umhlalaphansi.

Izimali ezithile zokuthatha umhlalaphansi, njenge-Roth IRA, zikuvumela ukuthi uboleke imali ku-akhawunti yakho yomhlalaphansi ukuze uthenge ikhaya lakho lokuqala.

Futhi nakuba kukuhle ukwazi ukuthi inketho ikhona ukuze ubuyele emuva, ingaphazamisa ngokuphelele izinhlelo zakho zokuthatha umhlalaphansi, ikakhulukazi uma ungakwazi ukukhokha imali oyibolekile.

Uma kufanele ucabangele ukuboleka imali oyilondolozayo uma usuthatha umhlalaphansi, kuzomele uzibuze ukuthi ngabe ukulungele yini ngokwezimali ukuthenga. Lokhu kungase kube inkomba yokuthi awukulungele ngokwezezimali ukuthenga.

Ukuba yindlu empofu kunomthelela Ezinye izikweletu ezikhokhiwe

Kungumqondo omuhle ukuhlela isabelomali saso sonke isikweletu sanyanga zonke, okuhlanganisa nesikweletu sekhadi lesikweletu lomthengi, ngaphambi kokwenza inkokhelo yendlu yakho.

Uma ungenjalo, kungaba nzima ukukhokha isikweletu esengeziwe uma umuzi wakho ucebile kodwa umpofu. Ngeke ukwazi ukuphuma esikweletini.

Ukuba mpofu ekhaya kungathinta wenaImigomo yethu evamile ekuphileni

Ngokwesilinganiso, I-mortgage loan ingahlala iminyaka engama-30. Impilo yakho yonke cishe izolandela le ndlela. Usengalangazelela ukuhamba, ukudla ngaphandle ngezikhathi ezithile, noma ekugcineni ukuya kulelo klasi obulokhu ulibhekile isikhathi eside.

Akufanele uvumele i-mortgage yakho ikuvimbele ekwenzeni kanjalo. Uma kwenziwe kahle, imali yakho ebolekiwe kufanele ikuvumele inkululeko yokuphishekela ezinye izithakazelo zakho ezibalulekile, ungabi nacala. Yiziphi ezinye izindlela zokukwenza? Ungakwenza lokhu ngokukhawulela inani lemali oyitholayo oya nayo ekhaya ozoyifaka enkokhelweni yakho yanyanga zonke ye-mortgae.

Ingakanani iphesenti oliyisa ekhaya elikhokhayo? I-mortgage yakho kufanele ibe?

Nakuba umbolekisi engenza izibalo ezinquma isabelomali sakho sanyanga zonke, ekugcineni unesibopho sezinombolo zakho. Awufuni ukubandakanyeka kakhulu ekukhokheleni phansi kwendlu yakho. Ukwengeza, kufanele wenze isiqiniseko sokuthi unamandla okukhokha izinkokhelo zenyanga zonke ze-mortgage.

Kungase kube nezimo zomuntu siqu ongazazi futhi lowo obolekisayo angazazi. Lokhu kungase kuhlanganise ukunakekela abazali bakho asebekhulile noma yiziphi izindleko zokunakekelwa kwezempilo eziphuma ephaketheni ongase ube nazo. Indlela yakho yokuphila nezici zomuntu siqu, kanye nezindleko ezihambisana nakho, kungase kunganakwa ababolekisi.

Kungenzeka yini ukuphila ngo-$2.000 kuphela ngenyanga ezinkokhelweni zezindlu zokuhlala? Ingabe unayo izinsiza zezimali kanye nesifiso sokushintsha indlela yakho yokuphila ukuze ukhokhe imali mboleko? Ingabe ulungile ngokuqhubeka nokuphila indlela yakho evamile ngezinto othanda ukuchitha imali kuzo?

Ukuze ubale izinkokhelo zakho zenyanga zonke ze-mortgage, ababolekisi nabo basebenzisa imali yonke engenayo. Kodwa-ke, njengomthengi, ungathola umbono ongcono weholo lakho ngokusebenza naye. Lokhu kuzokuvumela ukuthi ubone ukuthi udinga malini ekukhokhweni kwakho kwendlu, izintela, umshwalense, kanye nezikweletu.

Kufanele kube yini inombolo yakho yomlingo ukuze ukhokhele indlu yakho yokuhlala? Ngokuvamile, kunezikole ezimbili zomcabango ngalolu daba: indlela yokulondoloza kanye nendlela ekhululekile.

I-Conservatism

Ochwepheshe batusa leli su Akufanele ukhokhe ngaphezu kuka-25% wenkokhelo yakho yendlu. Uzoba nemali eyengeziwe yezindleko ezingalindelekile.

Indlela enenkululeko eyengeziwe

Ochwepheshe kweminye imikhakha bayakweluleka Ungasebenzisa u-35% wemali engenayo yangaphambi kwentela ukuze ukhokhele imali mboleko. Noma ngabe iyiphi inombolo oyikhethayo, qiniseka ukuthi imele inkululeko noma imikhawulo okhululekile ngayo njengoba usebenza ukwehlisa ikhaya lakho.

Gcina lezi zindleko ezilandelayo engqondweni lapho uthenga ikhaya

Kufanele futhi ucabangele ezinye izindleko ezingase zihlotshaniswe ne-mortgage yakho.

Imisebenzi yomphakathi

Izindleko ezisetshenziswayo yizindleko abanikazi bezindlu abangangena kuzo. Phakathi kwazo kubalwa amanzi, ugesi nekhebula. Ngeke bakubhalele wona uma umabolekisi ekwenza.

Kungumqondo omuhle ukufaka lezi zindleko kubhajethi yakho yanyanga zonke.

Isondlo

Ukuba nekhaya akunabo ubunzima. Ukuguga okuvamile kungenza ezinye izindawo zekhaya lakho zingahlali muntu. el tiempo.

Lezi zindawo zibalulekile kubanikazi bezindlu kanye nokugcina inani lempahla uma kwenzeka idayiswa.

Uma umpofu, ikhono lakho lokukhokhela lezi zindleko zesondlo liyoba nomkhawulo, okungase kwehlise inani lendlu yakho ngokuhamba kwesikhathi.

Emiphakathini ehleliwe, kunezimali ezikhokhelwa inhlangano

Ungabelana ngezindawo ezijwayelekile ze-condominium, njengotshani namachibi okubhukuda. Lezi zindawo ezivamile ngokuvamile kuyabiza ukuzinakekela.

Ikomidi lamalungu kasoseshini lizoqoqa izimali ezikhokhwayo kubahlali. Baphinde bagcine indawo ukuze isetshenziswe njalo. Bangakwazi ukuhlanganisa ngokushesha.

Ukunyakaza nokuhlobisa

Kuyabiza ukungena endlini uyihlobise. Ukuze ukwazi ukuhlela kahle ukuthutha kwakho, hhayi nje ukuthenga indlu kodwa nezindleko zayo.

Isibonelo, ukuqashwa kwamaloli, ukuhamba, njll. Futhi ukwazi ukwakha indawo yokuhlala oyithandayo ngemuva kokuzinza kuyo.

Amathiphu ayisithupha okugwema ukuba mpofu ekhaya

Nawa amanye amathiphu angakusiza ugweme ukuba mpofu uma usubale izindleko zokuthenga umuzi.

1. Inkokhelo ethe xaxa ingakusiza ugweme ukumpofu ekhaya.

Inkokhelo ehloniphekile ngeke nje ikhulise ukulingana kwakho, izophinde yehlise nezinkokhelo zakho zanyanga zonke. Izinga lakho lenzalo lingehliswa uma utshala imali eyengeziwe ekhaya lakho.

Ungahle wonge izinkulungwane zama-euro empilweni yakho yonke yemalimboleko. Ungehlisa izinga lakho Uzoba nesilinganiso esiphezulu semalimboleko kuya kwinani Ababolekisi bakho bazoyibona.

Ubhekwa njengengozi encane, okusho ukuthi uzokhokha inzalo ephansi. Ungathola imali mboleko ngezinkokhelo eziphansi. Kodwa-ke, ufuna ukonga imali kwi-mortgage futhi uvimbele ukungabi nakhaya.

2. Ukuze ugweme ukungabi nakhaya, ungathenga indlu ethengekayo

Abanye abantu banquma ukuthenga I-starter home ibizwa ngokuthi. Kungase kungabi “ikhaya lamaphupho,” kodwa kuyindlela yokuthola imali yokuthenga indlu futhi ugcine ikhaya lakho lisesimweni esihle. Kubalulekile ukuhlola lokho esikufunayo nezidingo zethu ukuze sinqume ukuthi yini ngempela edingwa ikhaya lethu.

Cabanga ukuthi ungakwazi yini ukuthenga ikhaya elincane noma elibiza kakhulu ngaphambi kokuthi uzibophezele ekuthengeni. Indlu encane ingasetshenziswa njengekhaya lokuqala, futhi ungakwazi ukuyiqashisa kubatshalizimali noma uyithenge ukuze ithuthuke uma wonge imali eyanele.

3. Ngaphambi kokuthenga umuzi wakho, khokha noma yiziphi ezinye izikweletu

Indlela enhle yokuzivikela ekubeni mpofu wukuqeda isikweletu sakho ngaphambi kokuthenga umuzi. Ungathola i-mortgage uma isikweletu sakho singesihle. Lokhu kuzokwehlisa izinga lenzalo kumalimboleko yakho.

Ungagcina imali yezindleko ezingalindelekile noma ukuthuthukisa ikhaya lakho. Isikweletu siyabiza. Ukuze uzimele ngokwezimali, yakha isu lokunciphisa isikweletu sakho.

4. Qiniseka ukuthi unesikhwama sezimo eziphuthumayo.

Isifundo esinzima kunazo zonke kumnikazi wendlu ukungabi nemali eyanele yokulungisa ikhaya lakho. Ngeke ukwazi ukulungisa okuthile uma ususebenzise yonke imali.

Kufanele futhi udale isikhwama esiphuthumayo sezindlu. Uzokhokhelwa uma kwenzeka ukulungiswa okukhulu okungafakwanga kumshwalense wakho.

5. Isabelomali esineholo elilodwa

Ukwenza ibhajethi emholweni owodwa kuyindlela enhle yokonga imali uma uthenga umuzi nowakwakho. Mhlawumbe ungakwazi ukukhokhela inkokhelo eyodwa esikhundleni sokuba nazo zombili.

Ngeke uzizwe sengathi ulahlekelwa umsebenzi.

6. Ungaphepheli ekugxumeni

Isenzo sokuthenga umuzi sihlanganisa ukuthenga nokuhlala ekhaya isikhathi esifushane kuyilapho inani lalo libonga. Bese uthuthela kwenye indlu.

Ukushintshashintsha kwezindlu kuyindlela yokwenza imali, kodwa abantu bavame ukukhohlwa ngezindleko ezibaluleke kakhulu, njengezindleko zokuvala kanye nezindleko zezindlu. Lezi zindleko zinganciphisa noma yiziphi izinzuzo zenani lesikhashana. Zonke lezi zindleko kumele zibhekwe.

Indlela yokubhekana nobumpofu basekhaya

Uma uzithola umpofu namuhla noma uphoqeleka ukuba uhlale ekhaya ngenxa yochungechunge lwezenzakalo ezidabukisayo, ungathola izindlela zokwenza ukuthi izinkokhelo zakho zezindlu ezibolekiwe zithwaleke kakhudlwana. Lena eminye imibono nje:

1. Ukuthengiswa ku-inthanethi kwezinto ongasazidingi

Ungathengisa izinto ongazidingi ku-eBay ukuze wenze imali esheshayo EBay O Imakethe ye-Facebook Imali eyengeziwe ingasetshenziselwa ukukhokhela inkokhelo yakho yanyanga zonke.

Ungakwazi ngisho nokuqala ibhizinisi elihlangothini lokuthengisa izinto ezisetshenzisiwe ku-inthanethi. Imali engenayo ingasetshenziselwa ukukhulisa ibhizinisi lakho noma ukukhokhela indlu yakho yokuhlala.

2. Ufuna umsebenzi wesibili

Akulula ukuba nehlaya ohlangothini lwakho. Ngezinye izikhathi kungase kube lula ukuthola umsebenzi wesibili. Bheka amathuba emisebenzi engeziwe endaweni yakini, kungakhathaliseki ukuthi iseduze noma ukude, ukuze ukwazi ukwandisa iholo lakho ngenkathi uphumule.

3. sebenzisa kancane

Ukuze uphumelele ohlelweni lokuthenga ikhaya, kubalulekile ukuthi ube nesabelomali. Ngesabelomali, ungakwazi kalula ukuthola izindawo lapho usebenzisa ngokweqile noma izindawo lapho unendawo yokunciphisa.

4. Qasha ikamelo endlini yakho

Ungathola nabantu ohlala nabo ukuze bakusize uthole imali futhi uphume endlini yakho. Ungakwazi ukuqoqa irenti futhi uhlukanise isikweletu sikagesi, ikhebula, amanzi, njll.

Ungaqasha ikamelo uma ungafuni ukuthi kube nomuntu ozokwabelana ngendlu yakho ngaso sonke isikhathi I-Airbnb. Kwesinye isikhathi ungenza okwengeziwe uma ungenamuntu endlini yakho amahora angama-24 ngosuku. Empeleni, Izindlu zingabiza ngaphezu kuka-$500 ngenyanga kubantu abaningi.. Yinani elimangalisayo elingakusiza ukhokhe izikweletu zakho.

5. Yehlisa usayizi wendlu yakho

Lapho konke okunye kwehluleka, futhi uzizwa sengathi awunakho ukukhetha ngaphandle kokulahlekelwa ikhaya lakho, kungase kudingeke ucabangele ukuthengisa. Nakuba kungase kubonakale kuwukweqisa, uma ukwazi ukwenza inzuzo ngenkathi unciphisa umuzi wakho, uyokwazi ukwehlisa izikweletu futhi ugweme ukuqothuka.

Ukuze uphumelele ngokwezimali, gwema ukuba mpofu ekhaya

Ngamafuphi: ukuba mpofu ekhaya kuyinto ongayigwema. Ukuthi umabolekisi uzimisele ukukuboleka isamba semali akusho ukuthi kufanele uyigcine. Unezinketho.

Kulungile ukuqasha ngenkathi usesha indlu efanele. Ukuze uthole ulwazi olwengeziwe mayelana nokuthenga ikhaya lakho lokuqala, chofoza lapha Bheka isifundo sethu samahhala ngokuphelele Lesi isihloko.

Uzoqondiswa zonke izinyathelo zendlela ukuze ukwazi ukuthenga ikhaya lakho lokuqala.