Ukuphupha ngokuba nomzi yinto exhaphake kakhulu, hayi phakathi kwezithandani kuphela, kodwa naphakathi kwabona bancinci, abafuna ukuzimela, babe ngookumkani kunye namakhosikazi endlu yabo benze nantoni na abayifunayo. Kodwa asizukuziqhatha thina, oko kucinga ukuba ukoyiswa kwezoqoqosho ekungekho kuye wonke umntu. Ngesi sizathu, iibhidi zasekhaya zinokuba sisisombululo sokufumana indlu "ngexabiso lentengo", oko kukuthi, ngaphantsi koko kuchazwa yimakethi.
Kodwa, Zithini iibhidi zasekhaya? Zeziphi iingenelo abanazo? Zifanele zenziwe njani? Ngaba zikhona iingxaki? Oku nokunye okuninzi esiza kuthetha ngako ngokulandelayo.
Zithini iibhidi zezindlu
Iibhidi zasekhaya, ezaziwa ngcono njengeefandesi zasekhaya, yinkqubo ethi, ngenxa yenkqubo yezomthetho, kuthengiswe ikhaya ukuze kuhlawulwe amatyala abatyalwayo, kungoko oku kudla ngokubangelwa kukuba babanjisiwe (kwaye ayihlawulwanga) okanye ithinjiwe. Ngamanye amagama, sithetha ngayo Amakhaya aya "kuhlawula" amatyala enziwe ngumntu onetyala.
Okwangoku, nayiphi na ipropathi inokuthengiswa efandesini ukuba nje ithinjiwe okanye ibanjisiwe, ukongeza ekubeni inxulunyaniswe netyala elifunwayo. Oko kukuthi, unokufumana iiflethi, indawo yentengiso, iichacha, igaraji ...
Into elungileyo kukuba ezi zihlala zifika ngexabiso eliphantsi kakhulu kunexabiso lentengiso, nangona kufanelekile ukuba ulumke kuba sithetha ngeebidi zasekhaya; Unganika inani lezinto oza kuzihlawula, kodwa abanye abantu banokubhida phezulu kwaye ngesiqhelo oyena mntu ubiza ixabiso eliphezulu ngoyena uthatha "i-jackpot."
Izibonelelo zokubhida ekhaya
Emva kwale nto sele ithethiwe ngasentla, akukho mathandabuzo ukuba eyona nto ibalulekileyo yokubhida ekhaya ngokungathandabuzekiyo yinto yokuba izakuya thenga ngexabiso elinokuba sezantsi kunexabiso lentengiso. Ngapha koko, kwezinye iimeko inokukhutshelwa ngaphandle kakhulu, kuncinci kakhulu, ukuyifumana ngokuyithengisa, kungekuphela nje ukufumana imali, kodwa okuninzi.
Enye inzuzo ngamandla ukufikelela kubumelwane okanye kwiindawo ezinamakhaya abiza kakhulu, okanye akukho makhaya athengiswayo, lithuba lokuhlala kwindawo enelungelo okanye ukufumana indlu kwezo ndawo. Kwaye ngubani othi indlu ithi indawo, igaraji ...
Ayisiyonto intle kangako malunga nefandesi yezindlu
Njengokuba ingeyiyo yonke into eyi-100% elungileyo, kwimeko yeebhidi zasekhaya kukho izinto ezimbi ekufuneka uzithathele ingqalelo ukuze wenze isigqibo sokuthatha inxaxheba kwenye okanye hayi.
Enye yezona ngxaki zinkulu onazo kukuba awuyi kuba nolwazi malunga nepropathi. Ngamanye amagama, uza kuthenga ungaboni. Awunakuyibona indawo yangaphakathi ngaphambi kokubhida, kwaye awuyi kwazi ukuba kukho umntu ohleli kwipropathi, ukuba banamatyala nabantu basekuhlaleni. Ngeke ulazi nexabiso lentengiso (ngaphandle kokuba wenze uphando lwakho). Ingxaki kukuba amabhidi amaninzi asekhaya aphuma ngesaziso esifutshane, esenza uphando lube nzima ngakumbi.
Enye into ebambekayo yeefandesi zasekhaya kunyanzelekile hlawula yonke imali esiyibekele "ixesha elifutshane", Ngantoni, ukuba awunayo, kunokuba nzima ukufumana inkxaso-mali oyifunayo, ngenxa yoko ulahlekelwe yibhidi. Yiyo loo nto, xa uthatha inxaxheba, kubalulekile ukuba kwenziwe zonke iinkqubo ukuze ulifune ngokwenene elo khaya.
Into ekufuneka uyazi malunga nefandesi yezindlu
Ukuba unomdla wokuthatha inxaxheba kwiibhidi zasekhaya, kufuneka uqale wazi ukuba lolu hlobo lweemarike lusebenza njani, kuba awuyi kuba wedwa; baninzi kakhulu abaya kuthi babhenele kula makhaya, kwaye banokuba namava (kunye nesolvency yezemali) kunawe. Ke ngoko, amanqaku aphambili ekufuneka athathelwe ingqalelo ngala alandelayo:
- Amakhaya okanye izindlu nomhlaba ngokubanzi baya kuhlala bevela kwiibhanki, ezibabambayo, mhlawumbi ngokungahlawuli ubambiso, okanye imali mboleko engonelisekanga.
- Ukuze ukwazi ukubhida kufuneka wenze idiphozithi yokuthatha inxaxheba kwaye oku kunokuba phezulu kakhulu.
- Elo tikiti likunika kuphela ukufikelela kwibhidi, kodwa ke kuya kufuneka ufumane imali ukuze "bathembe" ukuba xa uthenga into uya kuba nakho ukuyihlawula.
- Ukuba awuyibhatali ibhidi yakho kwiintsuku ezingama-20, ayizukuphulukana nebhidi kuphela, kodwa uya kuphulukana nedipozithi kunye notyalo mali olwenzileyo.
Iimfuno zokufikelela kwiibhidi zasekhaya
Ukuze uthathe inxaxheba kwiibhidi zezindlu kubalulekile ukuba, kuqala, ubhalise kwi-portal yoluntu ye-Arhente kaRhulumente yeGazethi kaRhulumente. Ukuba awukho, kuya kuba nzima kakhulu, okanye kungenzeki, ukufikelela kuzo.
Kweli phepha unokufumana zonke iipropathi eziza kuthengiswa.
Enye into ekufuneka uyifezile yile yenza idipozithi eya kucelwa kwipropathi nganye ofuna ukuthatha inxaxheba kuyo. Kwaye, kuxhomekeke kwipropathi, idipozithi isekiwe ekufuneka uyishiyile ukuze ukwazi ukuyibhida.
Ngokubanzi, nje ukuba ubhalisile, kwaye iyinto enokwenziwa nangubani na wendalo okanye wezomthetho, kuya kufuneka ukhethe iipropathi onomdla kuzo kwaye uhlangabeze iimfuno zokubhida, zombini ezemali kunye nedipozithi.
Ukuba ungoyena mntu ubiza ixabiso eliphezulu, Uya kuba nomhla wokugqibela wokuhlawula isixa senkundla eseleyo (kuba idipozithi iya kuthathwa "njengongeno lokuqala").
Apho uxele khonate kwiifandesi zasekhaya
Ukuba, emva kwale sikuxelele yona, ufuna ukuqhubela phambili, kuya kufuneka uyazi ukuba iibhidi zasekhaya zinokufumaneka ngoku kwi-Intanethi.
Enyanisweni, ezininzi zigcinwe kwi-Intanethi kuba kulula ukufikelela kuzo kwaye zibonelela ngabaphulaphuli abaninzi (kunye nabathengi abanokubakho). Maninzi amaphepha ewebhu anokukwazisa ngeefandesi eziza kubanjwa, kwanangaphambi kwexesha, ukuze uthathe isigqibo sokuba uthathe inxaxheba okanye hayi.
Ukuba le nto uyikhangelayo ziifandesi zobuso ngobuso, kuya kufuneka uyazi ukuba azisabanjwa kuba zinqumle abaninzi ekuthatheni inxaxheba. Ke ngoko, okwangoku zonke ezo zinto zenziwa nge-Intanethi.