Ukuthenga indlu mhlawumbe yiyona isinqumo sezezimali okubaluleke kakhulu ozokwenza, noma uma kungenjalo okungenani okubaluleke kakhulu. Impela wake wazibuza, abantu bakwazi kanjani ukuthenga indlu kuyilapho ibiza kakhulu futhi amaholo ajwayelekile engathathwa njengokungajwayelekile nhlobo? Kuyiqiniso ukuthi abantu abaningi bathola amakhaya abo ngefa noma ngokulondolozwa kwempilo, kepha iningi labantu alizithokozeli lezi zinzuzo.
Benza kanjani-ke? Impendulo ilula, futhi ilele ku- izimali zokukhokha. Uma ufuna ukuthenga ikhaya lakho lokuqala futhi udinga ukwazi ukuthi imali ebolekwa isebenza kanjani, ngiyakumema ukuthi uqhubeke nokufunda, ngokuqinisekile uzothola impendulo kuyo yonke imibuzo yakho.
Yini imali ebanjwayo?
I-Podemos chaza imali ebanjiswayo, njengemali mboleko ebhange ekwenzela yona inani eliphelele lekhaya ofuna ukulithenga, noma iningi lalo, uthatha ikhaya elifanayo njengesibambiso. Okusho ukuthi, ibhange lizokuboleka inani olidingayo ukuze uthenge indlu yakho, likuvumela ukuthi ubuyise imali kancane kancane futhi inenzalo ethile phakathi, futhi uma kwenzeka ungakhokhi, ibhange lingakuthatha indlu yakho ukuthola imali etshalwe kuwe.
ESpain, imali mboleko yokuthenga ikhaya empeleni yimali mboleko yomuntu emakhaya. Lokhu kusho ukuthi abanikazi nabaqinisekisi kumele baphendule kuqala ngemalimboleko, futhi ngaphezu kwalokho ikhaya elibanjisiwe. Yile ndlela ongabona ngayo ukuthi ukuba nesibambiso kungumthwalo omkhulu kakhulu okumele uhlale uhambisana ngokuphelele nomholo wakho, ngoba uma kungenjalo, abanikazi nabaqinisekisi bemalimboleko kuzofanele baphendule ngezimpahla zamanje nekusasa.
Enye indlela yokuchaza imali ebolekwayo njengesivumelwano lapho ibhange likunikeza khona ithuba lokuthenga indlu yakho kancane kancane, ngakho-ke ilusizo impela lapho udinga ikhaya futhi unemali encane noma ongekho. Kodwa-ke, kungenxa yalesi sizathu ukuthi imali ebolekiwe ibiza kakhulu ukwedlula inani lesakhiwo, ukukwazi ukukuthola ngisho nasezimweni lapho ekugcineni kwakho uzobe usukhokhe ngaphezulu kwama-80% kunenani elisunguliwe. Noma kunjalo, bayithuba eliklanywe ngokukhethekile lokuthola ikhaya, ngakho-ke lishibhile kakhulu kunezimali ezibolekwe ngasese ezivamile.
Ngazi kanjani ukuthi ngikulungele ukufaka isicelo sokubambisa ngempahla?
Njengoba imali mboleko kungukuzibophezela okungahlala amashumi eminyaka, futhi okuthwala umthwalo omkhulu wemfanelo, asikwazi ukuphika ukuthi akuwona wonke umuntu okufanele afake isicelo sokubambisa ngempahla. Kungakhathalekile ukuthi kunesidingo esingakanani sokuthenga ikhaya, kubalulekile ukuthi wenze ukuhlaziywa okubucayi kwesimo sakho sezezimali kanye nokuzinza kwakho kwezomnotho. Kungenzeka ukuthi namuhla ungakhokha izitolimende ngaphandle kwenkinga, kepha ngabe kuzofana eminyakeni emihlanu? Kubalulekile ukuthi ube nomsebenzi ozinzile, lapho ungathola khona imali ongakwazi ukumboza ngayo kalula izindleko zempahla yakho ebolekisiwe. Qaphela ukuthi uma uthuthela, kuzovela izindleko ezintsha ezingahlangene nakancane nokubanjiswa kwemali, njengezinsizakalo zendlu yakho noma izinguquko ezingadingeka.
Kufanele okungenani ube nama-20% we inani lempahla eliphelele ufuna ukuthenga, ngoba iningi lezinkampani alinikezi okungaphezulu kokungaphezulu Ama-80% wenani eliphelele lesakhiwo. Lapho ugcine imali ethe xaxa, kuba ngcono kuwe, ngoba uzokwazi ukufaka imali enhle ekuqaleni kwempahla ebanjiswayo, kunciphisa kakhulu inzalo ebingatholakala kanye nesikhathi sokubuyisa imali ebanjisiwe.
Ungalokothi ukhohlwe ukuthi akufanele ucele imali ebolekiweyo enani layo lenyanga likhulu kune-30% yakho isamba semali engenayo yenyanga. Yize izinkampani eziningi zingazibeki engcupheni yokukunika imali yokubambisa ngempahla ngaphansi kwale mibandela, ukwenza kanjalo ngeke kube sengcupheni yokwehluleka ukukhokha imali, kepha isimo sakho sezimali sizothinteka futhi kuzoba nzima kakhulu ukukhokha.
Esinye isici okufanele usicabangele ukwenza ifayela lakho le- ukuhlaziywa kwezezimali ngaphambi kokufaka isicelo semali mboleko yinani elifanayo lendlu. Zibuze ukuthi kuzokwenzekani uma ngokuzayo udinga ukuthengisa indlu yakho futhi imali yendlu ingakhokhiwe okwamanje. Uma intengo yendlu yakho emakethe yehla, futhi kufanele uyithengise ishibhile kunaleyo oyithengile, uzokwazi yini ukukhokha isikweletu esisele ngaphandle kwenkinga? Hlaziya ngokucophelela ukulingana ekhaya lakho kanye nezinguquko ezingenzeka emakethe ezingalimaza inani lazo.
Kungenzeka kakhulu ukuthi udinga ukugunyazwa ukuze ukwazi khipha imali ebanjisiwe. Isiqinisekiso ngukuthi umuntu wemvelo noma wezomthetho othembisa ukwenza isiqinisekiso futhi abe nesibopho sokukhokha imali esunguliwe uma kwenzeka ukuthi okweletayo engenayo imali edingekayo yokwenza inkokhelo ehambisanayo. Ngale ndlela, uma unikezwe isivumelwano semali mboleko futhi ngasizathu simbe awukwazi ukuyikhokha, isiqinisekiso sakho sizoba nesibopho sokukhokha. Yingakho udinga ukwesekwa ngumuntu wemvelo noma wezomthetho ukuze ukwazi ukuthola isivumelwano sempahla.
Iseluleko esihle kakhulu ukuthi ngaphambi kokusayina noma iyiphi inkontileka, hlola izinkampani ezahlukahlukene zebhange uze uthole leyo ekunikeza izimo ezinhle kakhulu. Ngaso sonke isikhathi cela izeluleko futhi unganqikazi ukubuza nganoma yikuphi ukukhathazeka okuvelayo kule nqubo.
Izisekelo zokwazi ngaphambi kokufaka isicelo sokubambisa ngempahla
Uma ucabanga ukuthi usesikhathini esifanele nasesimweni sezezimali ukufaka isicelo sokubambisa ngempahla, kubalulekile ukuthi uyazi le migomo elandelayo:
Inani:
Inani inani lemali ibhange elizokuboleka ngalo ukuthenga ikhaya lakho. Lokhu ngokuvamile akudluli kuma-80% wenani langempela, kepha kwesinye isikhathi ungathola imali ebanjiswayo enamanani aphezulu. Kodwa-ke, lo mkhuba uphazamisa bobabili abathintekayo esivumelwaneni, ngakho-ke akuvamile.
Ithemu lokwehlisa inani noma ishejuli yokukhokha.
Kuyinani lezinyanga noma iminyaka oyodinga ukubuyisela imali ebolekiwe ebhange, ezoncika enanini lenani lomuzi wakho kanye nezitolimende ozikhokhayo. Ngokuvamile, lokhu akuvame ukudlula iminyaka engama-30
Yabelana:
Kuyaziwa njengesitolimende semali okufanele ikhokhwe esikhungweni sezezimali esikunikeze imali mboleko yempahla yenyanga njalo ngenyanga. Lesi sitolimende sakhiwe izingxenye ezimbili, eyokuqala iyinzalo yemalimboleko, okulandelayo ukubuyiselwa kwemali obuyibolekwe ukuthenga indlu yakho. Uyabona ukuthi phakathi neminyaka yokuqala yemalimboleko, iningi lesitolimende lizohloselwa inzalo. Njengoba isikhathi sihamba futhi wenza izinkokhelo, imali ekhokhelwe isitolimende izosetshenziselwa ukukhokha imalimboleko.
Izithakazelo
Yimali eyengeziwe okuzodingeka uyikhokhele ibhange ngokushintshisana ngemali mboleko yemali. Kunezinhlobo ezahlukahlukene zenzalo, futhi esivumelwaneni sakho kufanele ucacise ukuthi hlobo luni lwenzalo imali mboleko yakho engaphansi kwayo:
- Inzalo engaguquki: Kulolu hlobo lwemalimboleko, kusetshenziswa isilinganiso esifanayo, ngakho-ke inkokhelo yanyanga zonke izohlala ifana kusukela ekuqaleni kuze kube sekupheleni kokukhokhwa kwemali mboleko
- Okuguqukayo: Kuleli zinga lenzalo, kusetshenziswa inkomba yomehluko kanye nokusakazwa, ngakho-ke uzothola ukuthi inzalo yokugcina ezokhokhwa izoba iphesenti kanye nesethenjwa esisetshenzisiwe. Ngokuvamile, kubuyekezwa njalo semester noma minyaka yonke, ngakho-ke imali izohlala ihlukahluka kuye ngesethenjwa.
- Kuxubile: zombili izinhlobo zentshisekelo ziyahlanganiswa, ngokuvamile kuvunyelwana ngesikhathi sokuqala senzalo engaguquki bese kuba nenzalo eguquguqukayo.
Amakhomishini - Yimali eyengeziwe okuzodingeka uyikhokhe ebhange ngemali yakho oyibolekile, kungakhathalekile inani noma inzalo. Ibhange ngalinye likhokhisa amakhomishini ngemibono ehlukene, kepha okuvame kakhulu amakhomishini okuvula, ukukhansela, ukukhokhela intela kanye nokufunda.
Amathiphu wokugcina - Njalo hlola amanani aphakeme kakhulu okulinganiselwe intengo yakho okuthathile. Ngokuvamile yisilinganiso se-Euribor, kepha ezinye izikhungo zezezimali zisebenzisa i-Mortgage Loan Reference Index.
- Amagatya aphansi awekho emthethweni njengokomthetho omusha, ngakho-ke uma uhlangabezana nomunye wawo, ungayemukeli inkontileka noma ucele ukuthi isuswe.
- Futhi abakwazi ukukuphoqa ukuthi wenze inkontileka yanoma iyiphi enye insimbi yezezimali efana nomshuwalense noma amakhadi esikweletu ebhange elifanayo noma njengesimo sokuthola "amanani akhethwayo"
- Kukhethwa ukucela inzalo engaguquki, ngoba ngalezi ngeke ube ngokulindela ukwazi ukwehluka kwamanani esithenjwa.
- Uma ungeke uqhubeke nokukhokha imali yakho oyibambisile, ungakudlulisela kwelinye ibhange elikunikeza amaqhinga angcono okukhokha, inqobo nje uma ukhokhe imali yokukhansela futhi ushiye amaphepha akho ngendlela efanele.