Unomtsha-mali oyimali-mhlaba kumdlalo kunye nobutyebi bemali. Okanye utyalomali oye waxhuma amandla abo okufumana imali entsha, okanye mhlawumbi enye yomibini.
Ufuna ukufumana ezinye iimpawu zokuziqeshisela ukuphuma kwemali, kodwa awukwazi ukubona indlela yokuzithenga ngayo imeko yakho yangoku. Oku kukuhlazola, njengoko kukho inani elincinci lezentsimbi ezikhoyo apho kunye nabanini beengxaki ngeemali zokubolekwa.
Uyazi malunga nokuqeshisa ukuba ube ngumnikazi njengoko kusebenza kuwe ukuthenga isakhiwo ngokwenza ukhetho lokuthenga iqeshiso kunye nomnini. Ubahlawula imali engeyiyo yokubuyiselwa kwemali yokuqeshisa ingenakubuyiselwa phambili kwaye ubhalise ukuqeshisa iminyaka emithathu kunye nenketho yokuthenga ipropati okanye ngaphambi kokuphela kokuqeshiswa kwintengo ehamba phambili. Uhlawula imali yenyanga yokuqeshisa kwaye usebenze ekuphuculeni i-credit yakho kwaye ubuthele inkokhelo yokusetyenziswa kokukhetha kwakho kunye nokuthengwa kokugqibela kwekhaya.
Inxalenye yeqhinga elithi "sandwich" leqhinga lokuqeshisa ongayifumananga nalo isinye isonka sesonka. Akukho nto ikugcina ekuphumeni kwaye ufumana umqashi ofuna ukufumana ikhaya elifana nale, kodwa baneengxaki kunye / okanye iingxaki zemali ezigcina ukuba zingenzeki ngoku.
Ubabonisa ikhaya kwaye bayayithanda. Ba nqwenela ukuba bathenge, kwaye ubaxelela ukuba banako.
Uyabatshela ukuba uza kuqhuba ukuqeshiswa kweminyaka emithathu kunye nentlawulo ethile yokuqeshisa kunye nokuba bangasebenzisa ukhetho lwabo ukuthenga ikhaya ekupheleni kokuqeshisa ngexabiso elithile. Uyabatshela ukuba kufuneka bathenge le ndlela yokuqeshisa nge-deposit yangaphambili engenakubuyiselwa.
Imeko yesikrini sombukiso wendlela oye wafumana ngayo ulawulo lwekhaya. Kukho ukuqeshisa ezimbini, kunye nawe unxweme phakathi. Ubuhle balecebo lokuthenga kunye neqashiso ekufumaneni ikhaya elifanelekileyo kunye nokuxoxisana ngamaqabane ngamacala amabini ngamacandelo:
- Idiphozithi ephezulu ukusuka kumqeshi wakho. - Umzekelo: uhlawule umnikazi i-deposit yokukhethwa kwekhefu engama-$ 2000 engabuyiswanga, kwaye umqeshi wakho uhlawula i-$ 3000.
- Inkokhelo ephezulu yokuqeshisa kumqeshi wakho. - Khumbula ukuba umnini-mfuneko kufuneka athengise okanye alahlekelwe ekhaya. Ngokuqhelekileyo unokuxoxisana nentlawulo yokuqeshisa efana nokuhlawulwa kwemali yokuthenga imali, ngaphantsi kwezinga lokuya kwikhaya elifana nale.
- Intengo ephezulu yokuthenga evela kumqeshi wakho. - Umnini unyanzelekile ukuba athengise kwaye aqonde ukuba ixabiso elincinci libhetele kunelokuchithwa. Uxoxisana nexabiso eliphakamileyo kakhulu kumthengi wakho-umthengi.
Uwenza imali ezintathu iindlela apha. Omnye umzekelo ochaphazelekayo wawubandakanya i-$ 1000 yenzuzo phambi kwintlawulo yokuqeshisa indawo yokuhlala, i-$ 500 ngaphezulu ngenyanga ukusuka kumqeshi kunokuba umtyalomali uhlawula umnikazi, kwaye intengo yokuthengisa i-30,000 ephezulu kunexabiso elivunyelweneyo lokuthenga. Le nzuzo enkulu ye $ 49,000 xa indlu ithengwa / ithengiswa ekupheleni kweminyaka emithathu. Leyo isicwangciso-qhinga sokuqhaqha.
Yenza uphando olwenziwe kwingingqi yakho ithuba lokwenza umsebenzi.