Uhlala njani umvuzo?
Ewe kunjalo, kunjalo, sizinzile ngoku kunzima ukufowuna, kodwa umsebenzi oqhubekayo usengcono kuwe kunokukhulula. Ubuncinci into onokuyibala kuyo ngomvuzo ngomhla othile. Kodwa apha yonke into ayikho rosy. Phendula ngokwakho umbuzo ubaluleke kangakanani kwaye uza kusebenza ixesha elingakanani kule nkampani kwaye ufumane lo mvuzo. Emva kwayo yonke loo nto, imali mboleko yinkqubo ende kakhulu, ehlala ilibazisekile kangangeentsuku. Ke ngoko, kokukhona unokuqiniseka ngemali yethu, kuya kuba lula ukuhlawula ityala lemali.
Indima ebaluleke kakhulu idlalwa yinto yokuba unomvuzo omhlophe okanye uyifumana kwimvulophu. Ubungakanani be-inzuzo buchaphazela ngqo ukuba uyakunyamezela ibhanki mboleko kwaye ingakanani.
Ngendlela, nangenqanaweni, ningenza ubambiso. Eyona nto iphambili kukusasaza amandla akho ukuze imali ibe nexesha le-clutch. Kodwa ukuba umvuzo wakho yinto engapheliyo, okanye usengozini yonke imihla ukuhlala ngaphandle komsebenzi (ulwaphulo-mthetho lweshishini, ubudlelwane obubi kunye nabaphathi), nge-mbomsgaged ngcono ngelo xesha.
Yimalini ngenyanga ekufuneka uphile?Bala ukuba yeyiphi imali ofuna ukuhlala kuyo, ungazivumeli nantoni na engaqhelekanga, kwaye uchithe kuphela kwezona zifunekayo (ukutya, iintlawulo, iintlawulo ezinyanzelekileyo); Kwaye uphile ngakumbi okanye ungaphantsi kokwabelana, ukuba nethuba lokuphumla ubuncinci ngamanye amaxesha kwaye uchithe imali kwi-scenlist.
Uya kufumana iimali ezimbini ukuze uqonde ukuba uthini ngentlawulo yenyanga onokuthi ukwazi ukwenza imali mboleko. Njengoko sikhankanyiweyo apha ngasentla, imali enjalo idla ngokuthathwa iminyaka eli-10 ukuya kweli-15, kwaye ukuba isiphelo sidibana kuyo yonke le minyaka, ayizukuphila, kodwa itshutshiswa. Qinisa ibhanti lingcono kuphela.
Kodwa akwanelanga ukubala uhlahlo-lwabiwo mali ephepheni. Kuyimfuneko ukuyivavanya. I-SAT kunye nencinci, kwaye ngohlahlo-lwabiwo mali oluhle kangangeenyanga ezininzi. Kwaye zama ukulilungisa ibhalansi yemali onqwenela ukuyihlawula intlawulo yemali mboleko, kwiakhawunti engenziyo ebhankini, ukuba uve oko uhlala ngaphandle kwale mali. Kwangelo xesha, kwigalelo lokuqala ekuqokeleleni.
Ngokwesiqhelo iibhanki zibuzwa ngegalelo le-20% yeendleko zezindlu. Umzekelo, ukuba ufuna ukuthenga indlu yezigidi ezi-5, igalelo lokuqala kufuneka libe lingama-500 amawaka ruble.
Ukongeza, ngakumbi igalelo lokuqala, kokukhona kuya kufuneka kuthathelwe ityala ngebhanki. Ngokuhambelana, uya kuba ungabi ngaphantsi kwenqanaba lenzala kwimali mboleko kunye nexesha letyala.
Yeyiphi indawo ofuna ukuba nayo kwaye yintoni onokuyibala?Yenza uluhlu lweendlela oya kukhetha izindlu. Umzekelo, ufuna igumbi eliphakathi kwiziko, kwisakhiwo esitsha, igumbi elitsha, hayi ngaphantsi kwe-90 yeemitha, ukulungiswa. Yongeza kwezi ndleko zoluhlu lomxholo wezezindlu, ukulungiswa kunye nokuthengwa kwefanitshala. Uya kufumana iindleko zokwenyani zendlu yamaphupha.
Kwaye ngoku igqitywe ngento onokuthi uyifumane. Ihlolwe kuluhlu lweekhrayitheriya ezongongoma zibonakala ngathi zingabalulekanga xa kuthelekiswa nokuphumla kunye nokunciphisa iindleko zendlu ekhoyo kuwe.
Ngaba unayo isitokhwe esingenayo?Nantoni na epholileyo kwaye inokuthenjwa eyenzekayo inokwenzeka ukuze uhlale ngaphandle kwakhe. Ukuze ukwazi ukufumana umsebenzi omtsha ngaphandle kwe-paranoia kunye nokungxama kakhulu ukujonga umsebenzi omtsha, kubalulekile ukuba ube nesitokhwe oya kuba nexesha elithile lokuhlawula imali kunye nobomi. Ngokufanelekileyo-iinyanga ezintathu. Ngaphandle kwale voti, iingcali azikucebisi ukuba uthathe imali mboleko.
Kuxhomekeka koku, nokuba ufuna indawo yokuhlala enkulu kungekudala, kwaye umyeni wakho unzima kangakanani umrhumo wakho xa ukwisandla sakho somntwana.
Kodwa umntwana akaphumi kuphela. Ngoku ngokuzalwa komntwana wokuqala, urhulumente unika imali enkulu, enokuchithwa kwimbuyekezo yemali mboleko.
Luluphi uncedo oluvela kurhulumente onokufumana?Ukuze ufumane intlawulo enkulu ngakumbi yemali mboleko, urhulumente ubonelela ngezibonelelo ezininzi. Kutshanje, inkqubo yokubolekisa ilungelo laqala ukusebenza. Ireyithi yenzala yemali incitshisiwe ibe yi-6%, kwaye iibhanki ezininzi sele zisebenza nale nkqubo. Kuyinyani, umda wemali ufakwe ekuthengweni kwezindlu kwi-capital kunye neminye imimandla yelizwe.
Ukongeza, izibonelelo ezahlukeneyo kunye nenkxaso zibonelelwa kwiintsapho eziselula (apho amaqabane engazange ajike iminyaka engama-35), iintsapho ezinkulu kunye neentsapho ezinamanani aphantsi. Okokugqibela, sele kuthengwe izindlu, unokwenza irhafu yokutsalwa kweerhafu ukuya kuthi ga kwi-ruble emizini.