Ukufunyanwa kwendlu ngumsebenzi obaluleke kangangokuba awuyi kuba nakho ukushiya nasiphi na isithuba ezandleni zokuphuculwa. Ukuba akunjalo, iya kuba Inkqubo efuna ucwangciso oluninzi kunye nenqanaba elithile lokuzinikezela. Ukuza kuthi ga kwinqanaba lokuba ukuba awuqondi nasiphi na isigaba sayo, awuzukukhetha ngaphandle kokucela iinkonzo zengcali ukuba incedise kulawulo lwayo: igqwetha, umcebisi ngezindlu okanye umlawuli. Ngenjongo enye kwaye ayisiyonto eyenye ukwanelisa iinjongo zebango lakho. Ukuququzelela lo msebenzi, sikunika iingcebiso ezilula kwiinkqubo oya kuthi ujongane nazo ukuze ujonge ngokuchanekileyo isenzo sakho.
Kuya kufuneka ubale ibhajethi ekufuneka uyivale. 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. Ayipheleli ekulinganiseni ukuba baya kukunika inkxaso-mali. Kodwa kunye nokuqinisekisa 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 nawo ngakumbi. Iya kuba lixesha lokuba uqinisekise ukuba liphi ixesha lokuhlawulwa kwakho kunye neekhomishini ezibandakanya ukuqeshwa kwakho.
Isitshixo sesibini: khetha indlu
Kule parameter, uya kuba sele ukwimeko yokukhokela ibango lakho kwaye loluphi uhlobo lwendlu olulungele wena. Entsha, indlu yesibini okanye ikhuselwe ngokusemthethweni izindlu. Ukongeza, iya kuba luncedo kakhulu jonga indawo okuyo. Iya kuba yinto ekhethekileyo ukuba nedatha ebaluleke njengokubonelelwa kwezikolo, izibhedlele, iivenkile ezinkulu okanye izithuthi zikawonke-wonke ezinendawo leyo.
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. Ukuya kwinqanaba lokuba kuyakufuneka ubhale phantsi ukuba yeyiphi imiba oyithanda kakhulu kwaye incinci. Kude kube lixesha lokuba wenze isithembiso sakho ngokusemthethweni.
Ukubonisana nawo onke amathandabuzo onawo. Ukusuka kulwakhiwo olucocekileyo kunye nokunxulunyaniswa nolondolozo lwepropathi ukuya kolunye uhlobo olunje inkcitho yoluntu lwasekuhlaleni okanye ukuba unesiqinisekiso samandla. Kwaye awunakulibala ukuba ungayenza njani indlu yakho ngokwakho, ukuba ifuna ukulungiswa okunzulu okanye nje ukuchukumisa okuthe ngqo kumagumbi.
Isitshixo sesithathu: ukusayina izivumelwano
Inqanaba elilandelayo liya kubandakanya ukwenza ikhontrakthi nomthengisi echaza imiba ebalulekileyo yendlu. Njengomzekelo, ukuba simahla iirhafu okanye ii-liens ziyagcinwa. Iya kuthi ibonakalise iindleko zabahlali bengingqi okanye uhlobo lwentlawulo oya kuthi usebenze ngokusesikweni kulo msebenzi. Zezinye ze imixholo yesivumelwano sentengiso yekhaya. Kuya kufaneleka ukuba usayine ikhontrakthi yedipozithi. Kubalulekile njengezenzo ngokwazo, kuba phakathi kwezinto ziya kukunceda ukhusele amalungelo akho njengomthengi. Ukongeza, iya kusebenza ukuqhubela phambili nge-10% yokusebenza, njengesiqinisekiso esiphambili seenjongo zakho.
Umzuzu wokugqibela uza xa kuya kufuneka utyikitye isivumelwano kunye nomthengisi kunye nasebusweni. Iya kuba luxwebhu olusemthethweni oluqinisekisa ukuthengiselana kwezindlu nomhlaba. Imiba efanelekileyo yendlu iya kubhengezwa, njengenkcazo yayo, ixabiso, indlela yentlawulo okanye ukuhanjiswa kweendleko. Ukusuka kulo mzuzu uyakonwabela ikhaya elitsha ngezitshixo oya kukubonelela umthengisi.
Ngaba ndifanele ndiyibeke phantsi imali mboleko?
Ukutshintsha kobambiso onikwe isivumelwano kunye nolunye olunemiqathango engcono yesivumelwano yinto enengqondo kwaye inqwenelekayo phakathi kwabasebenzisi bale mveliso yemali. Kwimali-mboleko ye-6.043 eneenguqulelo kwiimeko zazo, i-40,7% ibangelwe lutshintsho kumazinga enzala, ngokweedatha zamva nje ezivela kwiZiko leLizwe lezibalo (i-INE). Apho ibonisa khona ukuba emva kotshintsho lweemeko, ipesenti yeqondo lobungakanani bemali ebekiweyo inyuke ukusuka kwi-10,2% ukuya kwi-17,3%, ngelixa leyo yemali-mboleko yenqanaba eliguqukayo yehlile ukusuka kuma-89,2% ukuya kwangoku kuma-81,9%. Le yinto ibizwa ngokuba yi-subrogation ye-mortgage.
Ukusuka kule meko ixhaphakileyo, inyathelo lokuqala ekufuneka lithathiwe ekubambiseni ityala lokuthenga ngempahla kukufumana imveliso entsha yezemali ephucula kakhulu imeko yesivumelwano sangaphambili. Ngale ndlela, ukubonelelwa kwamashishini ebhanki kuyanelisa ngokwenene xa ucinga ngeemodeli ngokusasazeka ngezantsi kwe-1%. Ngamanye amagama, iqondo lenzala linokwehliswa phantse yipesenti enye yenqaku ngokubhekisele kubambiso lwangoku. Lo mahluko ekusebenzeni ufikelela kumawakawaka eeuros anokugcinwa ukusuka ngoku ukuya phambili.
Ukubambisa ngendlu
Enye into eya kuthi ithathe isigqibo sokumisela ngokusesikweni lo msebenzi iya kuba kukuhlalutya ukuba ngaba ikhontrakthi yangoku inekhomishini yezi mpawu. Isixa semali sayo siphakathi kwe-0,25% kunye ne-0,75% kwibhalansi eseleyo kwaye ibandakanya Inkcitho ebaluleke kakhulu kubasebenzisi Kuya kufuneka bacinge ukuba bafuna ukutshintsha imali-mboleko nangaliphi na ixesha. Kwimeko yokubandakanya le ndleko, akusayi kubakho khetho ngaphandle kokwenza izibalo ukubonisa ukuba uyahlawula na okanye hayi. Ngesi sizathu, imeko efanelekileyo yokwenza lo msebenzi kukuba ubambiso lwekhontrakthi lukhutshiwe kule ndleko. Phakathi kwezinye izizathu, kuba iya kuqhuba inkqubo yokuphuhlisa ngokuhambelana nokulindelweyo okwenziwe ngabasebenzisi.
Ubambiso lobambiso lungene
Inani le Ubambiso lwemali esekhaya Ngu-31.018, 9,2% ngaphezulu kunangoFebruwari 2018. Ixabiso eliphakathi li-123.911 euro, ngokunyuka nge-2,9%. Ixabiso eliphakathi lobambiso olubhaliswe kwirejista yepropathi ngoFebruwari (kwizenzo zikarhulumente ezenziwa ngaphambili) zii-euro ezingama-163.487, ezingama-21,2% ngaphezulu kunenyanga enye ngo-2018.
Inqanaba elilandelayo lale nkqubo, neliza kuhlalutywa, iya kuba kukufumanisa ibhalansi eseleyo yemali mboleko yokuqala. Kuba njengoko indala, imali eya kufuneka ikhutshwe iya kuba ninzi kakhulu ukuba bekukho ikhomishini yokuzalela omnye umntu. Ukuya kwinqanaba lokuba kugqitywe ekubeni eli nyathelo alinangeniso. Kwelinye icala, kuya kuba yimfuneko ukuhlalutya ukuprinta okuhle kwesivumelwano ukuba kukho naluphi na uhlobo lwesohlwayo esifihliweyo sokwenza lo msebenzi wobambiso.
Iindleko zalo msebenzi
Ukuqinisekisa ukuba i-subrogation inenzuzo, akufuneki uzilinganisele kwimicimbi yobuchwephesha yempahla obambise ngayo. Kodwa ngokuchaseneyo, kukho ezinye iindleko ekufuneka zithathelwe ingqalelo ukusuka kumzuzu wokuqala. Zizo ezo zithathwe ngu ukwenziwa ngokusemthethweni kwempahla entsha yobambiso kwaye phakathi kwezo zibonakalisa inkcitho ye-notary kunye ne-arhente, ubhaliso lwepropathi kunye novavanyo lwepropathi, phakathi kwezinye ezifanelekileyo. Akumangalisi ukuba ezi ntlawulo zinokuthi ngandlel 'ithile zirhoxise ezona meko zilungileyo zembambiso yesibini.
Kwelinye icala, enye yeemeko ezinokuthi zivele kukuba umahluko phakathi kwemali egciniweyo ngenxa yokuthotyelwa kwemali mboleko kunye neendleko eziveliswe ngabaphathi bayo zincinci. Kwimeko apho, inzuzo yemisebenzi ayizukubonelela ngesiqinisekiso sokuyenza kwiintsuku ezizayo. Ukusuka kwesi sikhundla, alithandabuzeki elokuba eyona mpendulo isengqiqweni yile thethana ngqo nebhanki iimeko zobambiso lobambiso esele zinikezelwe. Ngokukhawuleza emva kokufumana iintloko zabo, ngokuqinisekileyo baya kuwenza lo msebenzi ube luncedo ngakumbi kunokuba bewubekile.
Ukufunyanwa kwendlu ngumsebenzi obaluleke kangangokuba awuyi kuba nakho ukushiya nasiphi na isithuba ezandleni zokuphuculwa. Ukuba akunjalo, iya kuba yinkqubo efuna ukucwangciswa okuninzi kunye nenqanaba elithile lokuzinikezela.
Umyinge wenzala ekuqaleni yi-2,32% yemali-mboleko eguquguqukayo (i-1,9% isezantsi kunangoFebruwari 2018) kunye ne-3,32% kwiirhafu ezibekiweyo (3,0% ngaphezulu ngaphezulu). Kwimali mboleko yasekhaya, iqondo lenzala eliqhelekileyo li-2,62% (1,1% isezantsi kunoFebruwari 2018) kwaye ixesha eliphakathi lineminyaka engama-23. I-58,2% yemali mboleko yasekhaya ikwinqanaba eliguqukayo kunye nama-41,8% kwizinga elimiselweyo. Umyinge wemali mboleko ehleliyo ifumene ukonyuka komyinge we-17,4%. Umyinge wenqanaba lenzala ekuqaleni ngama-2,37 eepesenti kwimali ebolekwe kumakhaya enqanaba lokudada (ukwehla kwe-4,0%) kunye ne-3,05% yemali-mboleko ebekiweyo (0,4% ngaphezulu).
El isiqingatha semali yemali-mboleko ebhaliswe kwirejista yepropathi ngoFebruwari (kwizenzo zikarhulumente ezenziwa ngaphambili) yi-163.487 euros, 21,2% ephezulu kunakwinyanga enye yonyaka ka-2018. ngokuhla kwe-2,37%) kunye ne-4,0% kwiirhafu ezibekiweyo (3,05% ngaphezulu).