Ukuphupha ngokuba nomuzi kuyinto ejwayelekile kakhulu, hhayi phakathi kwezithandani kuphela, kepha naphakathi kwabancane kunabo bonke, abafuna ukuzimela, babe ngamakhosi nezindlovukazi zamakhaya abo futhi benze noma yini abayifunayo. Kepha asizukuzikhohlisa thina, lokho kucabanga ukuthi ukunqotshwa komnotho okungewona wonke umuntu onakho. Ngalesi sizathu, amabhidi asekhaya angaba yisixazululo sokuthola indlu ngentengo "yokuthengiselana", okungukuthi, ngaphansi kwalokho okushiwo imakethe.
Kodwa, Ayini amabhidi asekhaya? Yiziphi izinzuzo abanazo? Kufanele zenziwe kanjani? Ingabe kukhona izinkinga? Lokhu nokuningi yilokho esizokhuluma ngakho ngokulandelayo.
Ayini amabhidi ezindlu
Amabhidi asekhaya, awaziwa kangcono ngokuthi indali yasekhaya, inqubo lapho, ngenxa yenqubo yokwahlulela, ikhaya liyathengwa ukuze kukhokhwe izikweletu ezikweletwayo, yingakho-ke lokhu kuvame ukuthi kubangelwe ukuthi zibanjiswe (futhi angakhokhelwa) noma abathathiwe. Ngamanye amazwi, sikhuluma ngakho amakhaya "azokhokha" izikweletu ezinikwe umuntu okweletayo.
Njengamanje, noma iyiphi impahla ingafakwa endalini inqobo nje uma ithathiwe noma ibolekwe ngempahla, ngaphezu kokuxhunyaniswa nesikweletu esifunwayo. Okusho ukuthi, ungathola amaflethi, izakhiwo zentengiso, ama-chalet, amagaraji ...
Okuhle ukuthi lezi zivame ukuphuma ngentengo ephansi kakhulu kunemakethe, yize kufanele uqaphele ngoba sikhuluma ngamabhidi asekhaya; Unganikeza inani lokuthi uzokhokha ini, kepha abanye abantu bangafaka ibhidi ephezulu futhi imvamisa umthengi ophakeme kunabo bonke uthatha i- "jackpot."
Izinzuzo zokubhida ekhaya
Ngemuva kwalokhu okushiwo ngenhla, akungabazeki ukuthi inzuzo enkulu yokubhida emakhaya ngokungangabazeki iqiniso lokuthi thenga ngentengo engaba ngaphansi kunentengo yemakethe. Eqinisweni, kwezinye izimo kungakhishelwa okuncane kakhulu, okuncane kakhulu, ukutholakala ngokuthengisa, hhayi kuphela ukubuyisa utshalomali, kepha okuningi kakhulu.
Enye inzuzo amandla finyelela ezindaweni noma ezindaweni lapho izindlu zibiza kakhulu, noma kungekho ukutholakala kwemizi ethengiswayo, okuyithuba lokuhlala endaweni enelungelo noma ukuthola indlu kulezo zindawo. Futhi ubani othi indlu ithi indawo, igalaji ...
Akuyona into enhle kangako ngezindali zezindlu ezithengiswayo
Njengoba kungeyona yonke into enhle ngo-100%, esimweni samabhidi asekhaya kunezinto ezingezinhle okufanele uzicabangele ukuze wenze isinqumo sokubamba iqhaza kokukodwa noma cha.
Enye yezingqinamba ezinkulu onayo iqiniso lokuthi ngeke ube nemininingwane ngale mpahla. Ngamanye amagama, uzothenga izimpumputhe. Awukwazi ukubona ingaphakathi ngaphambi kokubhida, futhi ngeke wazi ukuthi ngabe kukhona yini umuntu ohlala kuleyo ndawo, uma enezikweletu nomphakathi wangakini. Ngeke uze wazi intengo yemakethe (ngaphandle kokuthi wenze ucwaningo lwakho). Inkinga ukuthi amabhidi amaningi asekhaya aphuma ngesikhashana, okwenza ucwaningo lube nzima kakhulu.
Enye inkinga yezindali zasekhaya kufanele khokha lonke inani esilisethile esikhathini "esifushane", Ngalokho, uma ungenakho, kungaba nzima ukuthola imali oyidingayo, ngaleyo ndlela ulahlekelwe yibhidi. Kungakho, lapho ubamba iqhaza, kubalulekile ukuthi kwenziwe zonke izinqubo uma kwenzeka ulifuna ngempela lelo khaya.
Okufanele ukwazi ngezindali zezindlu
Uma unesifiso sokubamba iqhaza kumabhidi asekhaya, kufanele uqale wazi ukuthi lolu hlobo lwemakethe lusebenza kanjani, ngoba ngeke ube wedwa; kuzoba nabaningi kakhulu abazobanga lawo makhaya, futhi bangahle babe nolwazi oluningi (kanye ne-solvency yezezimali) kunawe. Ngakho-ke, amaphuzu ayisihluthulelo okufanele awacabangele yile alandelayo:
- Amakhaya noma izindlu ngokujwayelekile zizohlala zivela emabhange, azibambile, kungaba ngokungakhokhi imali ebanjisiwe, noma imali mboleko enganelisekile.
- Ukuze ukwazi ukubhida udinga ukufaka idiphozi yokubamba iqhaza futhi lokhu kungaba phezulu impela.
- Lelo thikithi likunika ukufinyelela kwebhidi kuphela, kepha lapho-ke kuzofanele uthole imali ukuze "bathembe" ukuthi uma uthenga okuthile uzokwazi ukukukhokhela.
- Uma ungakhokhi ibhidi yakho zingakapheli izinsuku ezingama-20, ngeke nje ulahlekelwe yilelo bhidi, kodwa uzolahlekelwa nayidiphozithi kanye notshalo-mali lokuqala olwenzile.
Izidingo zokufinyelela amabhidi asekhaya
Ukuze ubambe iqhaza kumabhidi ezindlu kubalulekile ukuthi, okokuqala, ubhaliswe engosini yomphakathi ye-State Agency of the State State Gazette. Uma ungekho, kuzoba nzima kakhulu, uma kungenzeki, ukufinyelela kuzo.
Kuleli khasi ungathola futhi zonke izakhiwo ezizothengiswa endalini.
Enye imfuneko okufanele uyihlangabezane nayo yenza idiphozi ezocelwa impahla ngayinye lapho ufuna ukubamba iqhaza khona. Futhi, kuya ngesakhiwo, kutholwa idiphozi okufanele uyishiye ukuze ukwazi ukuyibhida.
Ngokuvamile, uma usubhalisiwe, futhi kuyinto engenziwa yinoma yimuphi umuntu wemvelo noma wezomthetho, kufanele ukhethe kuphela izakhiwo onentshisekelo kuzo bese uhlangabezana nezidingo zokubhida, kokubili ukuxhaswa ngemali kanye nediphozi.
Uma kunguwe owabhida kakhulu, uzoba nesikhathi esinqunyiwe sokukhokha leyo mali enkantolo lokho kuhlala (ngoba idiphozi izothathwa ngokuthi "ukungena kokuqala").
Ukubika kuphite ezindalini zasekhaya
Uma, ngemuva kwalokhu esikutshele khona, ufuna ukudlulela phambili, kufanele wazi ukuthi amabhidi asekhaya angatholakala ku-inthanethi njengamanje.
Eqinisweni, eziningi zigcinwe ku-inthanethi ngoba kulula ukufinyelela kuzo futhi zinikeza izithameli eziningi (nabangaba abathengi). Kunamakhasi amaningi wewebhu angakwazisa ngezindali ezizobanjwa, noma kusengaphambili, ukuze ukwazi ukunquma ukuthi uzobamba iqhaza noma cha.
Uma okudingayo kuyindali ebhekene ubuso nobuso, kufanele wazi ukuthi lezi azisekho ngoba zamisa abaningi ekubambeni iqhaza. Ngakho-ke, njengamanje konke okwenziwayo kwenziwa nge-Intanethi.