Ukuthenga ikhaya yinto ebalulekileyo ebomini bakho kangangokuba awuyi kuba nakho ukushiya naliphi na ithuba lokuhlaziya. Ukuba akunjalo, iya kuba Inkqubo efuna ucwangciso oluninzi kunye nenqanaba elithile lokuzinikezela. Ukuya kwinqanaba lokuba ukuba awuqondi nasiphi na isigaba sayo, awuzukukhetha ngaphandle kokucela iinkonzo zengcali ukuba zikuncede kulawulo lwayo: igqwetha, umcebisi ngezindlu okanye umlawuli. Ngenjongo enye kwaye ayisiyonto eyenye ukwanelisa iinjongo zebango lakho. Ukuququzelela lo msebenzi, sikunika iingcebiso ezilula kumanyathelo ekufuneka ujongane nawo ukuhambisa le nkqubo ngokuchanekileyo.
Ukuze kube njalo, kufuneka ubale uhlahlo-lwabiwo mali ekufuneka uluvalile. Nangona kuya kufuneka ungene nzulu kancinci kwaye uhlalutye indlela oza kuyihlawula ngayo. Ukuba ngekheshi, ngokubambisa okanye ngokusebenzisa isisombululo esiphakathi. Ukuba ukhetha nasiphi na isindululo sokugqibela, uya kunyanzeleka khangela nebhanki yakho. Ayiphelelanga ekulinganiseni ukuba baya kukunika isicelo semali. Kodwa kunye nokuqinisekisa ukuba yeyiphi inzala oya kuyibhatala, ukuba inzala ebekiweyo okanye eguqukayo yenzala ilunge ngakumbi.
Ukuvela kwe-Euribor iya kuba sisalathiso sokukhetha enye okanye enye imodeli yezemali. Okwangoku ime kwi-0,095%, elona zinga liphantsi okoko yaqalayo. kwaye oko kuya kukunceda ufumane umdla okhuphisana ngakumbi kwimali mboleko yakho. Iya kuba lixesha lokuba uqinisekise ukuba liphi ixesha lokuhlawulwa kwakho kunye neekhomishini ezibandakanya ukuqeshwa kwakho.
Isitshixo sesithathu: khetha ipropathi
Kule parameter uza kuba sele ukwimeko yokukhokela ibango lakho kwaye loluphi uhlobo lwekhaya olukufaneleyo. Entsha, indlu yesibini okanye nokuba zikhuselwe ngokusemthethweni izindlu. Ukongeza, iya kuba luncedo olukhulu kuwe jonga indawo okuyo. Apho kuyakubaluleka ngokukodwa ukuba nedatha ebaluleke njengendawo yesikolo, izibhedlele, ivenkile ezinkulu okanye izithuthi zikawonkewonke.
Imijelo yentengiso oyikhethileyo nayo iya kubaluleka kakhulu. Kuba ngokuxhomekeke ekubeni ngabantu, iiarhente zezindlu okanye abaphuhlisi, unokwenza isicwangciso esinye okanye esinye sokubonisana. Utyelelo lwasekhaya aluyi kuba yinxalenye engaphantsi kwale nkqubo. Hayi ngelize, iya kuba sisiqinisekiso sepropathi oyifunayo. Ukuya kwinqanaba lokuba kuyakufuneka ubhale phantsi ukuba yeyiphi imiba yendlu oyithanda kakhulu kunye nokuncinci. Kude kube lixesha lokuba wenze isithembiso sakho ngokusemthethweni. Ukubonisana nazo zonke iintlobo zamathandabuzo onawo. Ukusuka kulwakhiwo nje kuphela kwaye zinxulunyaniswe nolondolozo lwepropathi ukuya kwezinye izinto ezinje ngezi inkcitho yoluntu lwasekuhlaleni okanye ukuba unesiqinisekiso samandla.
Isitshixo sesithathu: ukusayina izivumelwano
Inyathelo elilandelayo iya kuba kukwakha ikhontrakthi nomthengisi eneenkcukacha ezifanelekileyo kakhulu zekhaya. Umzekelo, jonga ukuba ipropathi ayihlawulelwa okanye ayigcinwanga i-liens kuyo. Iya kuthi ibonakalise nexabiso eliza kukuhlawula kuluntu lwengingqi okanye uhlobo lweentlawulo apho umsebenzi uya kwenziwa ngokusesikweni. Zezinye ze imixholo yesivumelwano sentengiso yekhaya. Uya kudinga ukusayina ikhontrakthi yedipozithi. Ibaluleke njengokusebenza kwendlu ngokwayo kuba, phakathi kwezinto, kuya kukunceda ukhusele amalungelo akho njengomthengi. Ukongeza, iya kusebenza ukuqhubela phambili nge-10% yokusebenza.
Isitshixo sesine: ekugqibeleni ukubhala
Umzuzu wokugqibela uza xa kuya kufuneka uyityikitye kunye nomthengisi kunye nasebusweni. Iya kuba luxwebhu olusemthethweni oluqinisekisa ngokusemthethweni ukusebenza kwezindlu. Phi Ezona zinto zibalulekileyo kwipropathi ziya kubhengezwa. Inkcazo yayo, ixabiso, indlela yokuhlawula okanye ukuhambisa iindleko ziya kuba yinxalenye yomxholo wayo. Ukusuka kulo mzuzu ukonwabela ikhaya lakho elitsha.
Ukuguqula imali mboleko
Nangona kunjalo, awufanelanga uyibhidanise nento ekubanjiswe ngayo kwi-mortgage. Yimveliso enento yokwenza kakhulu notyalo-mali kunokuthenga indlu. Bahlukile ngokweminyaka abanokuqeshwa ngayo. Kule klasi yeemveliso kuvela kwiminyaka engama-67. Oko kukuthi, ngokuchanekileyo ixesha lomhlala-phantsi kwaye oko kuvumela ukufumana kweli xesha lobomi ingeniso esisigxina kunye neqinisekileyo egcwalisa ipenshini. Ngaphandle kolunye uthotho lokuqwalaselwa kobuchwephesha esiza kuzama ukukuchaza ngezantsi.
Olu khetho luvumela abantu abadala abanobunini bamakhaya ukuba bafumane irente eyongezelelweyo yenyanga, ukugcina ubunini bendlu yabo kunye nokusetyenziswa kwayo kunye nokonwaba ngelixa. Kuba ngokwenyani, amaziko emali ayithengisa phantsi kwezi zinto zorhwebo kunye nabathengi banokukhetha phakathi kweefomathi ezahlukeneyo zezi mpawu. Nangona ulwakhiwo luyefana kubo bonke obolekiso obuyiselwayo, umahluko ophambili owenziweyo uhlala kwinto yokuba ubuncinci bobudala besivumelwano ukuba bushiye malunga phakathi kweminyaka emi-65 neli-75. Apho ime khona inyani ekhethekileyo: yobudala indala, lifutshane ixesha lokuyigubungela.
Yiba nekhaya ngaphandle kwentlawulo
Ukubuyisa imali mboleko kunesiqinisekiso esakhelweyo sokulinda, esiqulathe ukuba ngelixa omnye wabanikazi bempesheni yobambiso ehlala, ngekhe bacelwe ukuba bahlawule ityala. Ngelixa ngokuchaseneyo, eKwimeko yokusweleka komnye wabanini, omnye angaqhubeka nokuqokelela le rhafu ichazwe apha ngasentla. Ezona mfuno zingaphezulu kweminyaka engaphezulu kwama-65 kwaye banekhaya elingena ntlawulo. Akukho mfuneko malunga nomvuzo omncinci onayo imali mboleko.
Isenokuba sisindululo esinomdla kakhulu kubantu abadala ukuba babe kwindawo yokufumana umthombo obalulekileyo wengeniso. Ingakumbi kwabo banomhlala-phantsi omncinci ongabancedisiyo ukuba bagcine amandla athile okuthenga kwiminyaka yegolide yobomi babo. Ukuya kwinqanaba lokuba nengxaki engaphezulu kwesinye yokuphila kamnandi.
Umyinge wenzala kwimali mboleko
Kwimali-mboleko eyenziwe kwiipropathi ngo-Matshi, umyinge wenzala ekuqaleni yi-2,58% (2,3% isezantsi kuno-Matshi 2019) kunye Ixesha leminyaka engama-23 eliqhelekileyo, ngokweenkcukacha zamva nje ezipapashwe liZiko leLizwe leNkcukacha-manani (i-INE). Apho ikwabonisa ukuba i-60,6% yemali mboleko ikwiqondo lenzala eyahlukileyo kunye ne-39,4% kwinqanaba elimiselweyo. Umyinge wenzala ekuqaleni yi-2,27% yemali-mboleko yexabiso eliguqukayo (i-7,1% isezantsi kuno-Matshi 2019) kunye ne-3,24% yemali-mboleko yemilinganiselo emiselweyo (4,1% ngaphezulu ngaphezulu).
Kubambiso lwemali mboleko yasekhaya, iqondo lenzala eliqhelekileyo li-2,62% (0,1% iphezulu kuno-Matshi 2018) kwaye ixesha eliqhelekileyo lineminyaka engama-24. I-58,1% yemali mboleko emakhaya ikwinqanaba eliguqukayo kwaye 41,9% kwizinga elimiselweyo. Umyinge wemali mboleko ehleliyo ifumene ukonyuka komyinge wama-24,5%. Umyinge wenzala ekuqaleni ngama-2,34% kwimali ebolekwe kumakhaya amaxabiso adadayo (ukwehla kwe-2,7%) kunye no-3,11% kwimali-mboleko ebekiweyo (1,6% ngaphezulu).
Umyinge wenzala yamakhaya
Ngokubhekisele kwimali mboleko yezindlu kunye notshintsho kubhaliso, ingxelo esemthethweni ibonisa ukuba inani elipheleleyo lemali mboleko eneenguqu kwiimeko zabo ezibhaliswe kubhaliso lwepropathi ngama-6.507, 12,7, 2019% ngaphezulu kunango-Matshi 5.113. Ukuthathela ingqalelo uhlobo lotshintsho kwiimeko , ngo-Matshi bekukho izithambiso ezingama-XNUMX (okanye uhlengahlengiso olwenziwe liziko lezemali elifanayo), nge ukwanda konyaka kwe-10,7%. Kwelinye icala, inani lezinto ezitshintsha iziko (ii-subrogations to the creditor) zonyuke nge-24,2% kunye nenani lobambiso apho umnini we-asethi ebanjiswe ngento etshintshileyo (i-subrogations to the debtor) inyuke nge-9,5%.
Ngaphakathi kwiqela lobambiso olunotshintsho lweemeko zenqanaba lenzala, kufanele ukuba kuqatshelwe ukuba uphononongo olwenziwe liZiko leSizwe lezeNkcukacha-manani (i-INE) lubonisa ukuba kwi-6.507 yemali mboleko eneenguqu kwiimeko zabo, I-42,5% ibangelwe lutshintsho kumazinga enzala. Emva kotshintsho lweemeko, ipesenteji yemali-mboleko ebekiweyo inyuke ukusuka kwi-7,9% ukuya kwi-16,8%, ngelixa iqondo lokubolekwa kwamanqanaba ehla lahla ukusuka kuma-87,1% ukuya kuma-82,3%.
Apho i-Euribor ilizinga apho iipesenti eziphezulu zobambiso lubeka phambili, kokubini ngaphambi kotshintsho (77,9%) nasemva (77,8%). Emva kohlengahlengiso lweemeko, umndilili wenzala kwiqondo lobungakanani bemali ebekiweyo yehle ngamanqaku ayi-1,6 kwaye kumanqanaba obambiso obambiso lwehla kwi-0,8 yamanqaku.
Ngokubhekisele kwimali mboleko yezindlu kunye notshintsho kubhaliso, ingxelo esemthethweni ibonisa ukuba inani elipheleleyo lemali mboleko eneenguqu kwiimeko zabo ezibhaliswe kubhaliso lwepropathi ngama-6.507, 12,7, 2019% ngaphezulu kunango-Matshi 5.113. Ukuthathela ingqalelo uhlobo lotshintsho kwiimeko , ngo-Matshi bekukho izithambiso ezingama-XNUMX (okanye uhlengahlengiso olwenziwe liziko lezemali elifanayo), nge ukwanda konyaka kwe-10,7%.