Ukwakha ikhaya lakho kuyiphupho kwabaningi, kodwa kudinga ukutshalwa kwezimali okukhulu. Uma ungenayo imali eyanele, imali mboleko yokuzakhela ingaba yisisombululo esifanele sokuxhasa ukwakhiwa kwekhaya lakho kusukela ekuqaleni . Ngokungafani nemali mboleko yendabuko, lolu hlobo lwemali mboleko lukuvumela ukuthi uthole imali ngezigaba ezahlukene njengoba ukwakhiwa kuqhubeka.
Kulesi sihloko, sichaza ukuthi iyini i-mortgage yokuzakhela, ukuthi isebenza kanjani, yiziphi izidingo okufanele uhlangabezane nazo, nokuthi yiziphi amabhange azinikezayo. Funda ukuze uthole ukuthi ungayenza kanjani iphrojekthi yakho yasekhaya iphile ngezimali ezifanele.
Iyini i-mortgage yokuzakhela?
Imali mboleko yokuzakhela indlu yimali mboleko yendlu eyenzelwe labo abafisa ukwakha indlu yabo endaweni abanayo. Ngokungafani nemali mboleko evamile, ekhokhela ukuthengwa kwendlu ekhona, lolu hlobo lwemali mboleko lukuvumela ukuthi uxhase ukwakhiwa kwendlu entsha kusukela phansi.
Le malimboleko yendlu isebenza ngendlela ehlukile: ibhange alinikezi imali yonke ngesikhathi esisodwa , kodwa liyikhipha ngezigaba ngesikhathi sokwakha. Ngezikhathi ezithile, uchwepheshe noma umakhi wezakhiwo uqinisekisa intuthuko yomsebenzi, bese kwenziwa imali entsha ngokufanele.
Isebenza kanjani i-mortgage ye-self-build?
Lolu hlobo lwemali mboleko lulandela isakhiwo esihlukile kune-mortgage evamile. Ngokuvamile, inqubo ihlukaniswe izigaba ezintathu eziyinhloko:
- Isigaba sokuqala: Ibhange lihlinzeka ngephesenti lokuqala lemali mboleko ukuze kuqalwe ukwakha. Lesi samba ngokuvamile sihlanganisa izindleko zokuqala, njengezimali zomakhi nokwakhiwa kwesisekelo.
- Isigaba sesitifiketiNjengoba ukwakhiwa kuqhubeka, ibhange licela imibiko yezobuchwepheshe eqinisekisa intuthuko. Ngokusekelwe kulawa madokhumenti, isikhungo sezezimali sigunyaza izinkokhelo ezintsha.
- Isigaba sokugcinaUma indlu isiqediwe futhi yaqinisekiswa njengengahlalwa, ibhange likhipha inkokhelo yokugcina yemali mboleko.
Ngesikhathi sokwakha, ababolekisi bavame ukunikeza isikhathi somusa , okusho ukuthi inzalo kuphela ekhokhwayo ngaphandle kokukhokha imali eyinhloko, ngaleyo ndlela kube lula ukuphathwa kwezinkokhelo.
Izidingo zokufaka isicelo semalimboleko yokwakha umakhi
Ukuze afinyelele lolu hlobo lwemali, amabhange asungula izidingo ezithile ezibalulekile okumele umfakisicelo azihlangabezane nazo:
- Ukuphatha umhlaba wasemadolobheni mahhala, ebhaliswe Kurejista Yezakhiwo.
- Yiba nokulondoloza kwangaphambiliniAmabhange ngokuvamile axhasa ngemali efika ku-80% yenani eliphelele lendlu, ngakho-ke uzodinga ukunikeza u-20% osele ngezinsiza zakho.
- Iba nephrojekthi egunyaziwe yiKolishi Lama-Architects echaza zonke izici zokwakhiwa kwekusasa.
- Thola imvume yokwakha kamasipala, ekhishwe ihholo ledolobha lapho indawo ikhona.
- Yiba nesabelomali sokwenza elungiselelwe inkampani yokwakha enokuhlangenwe nakho.
- Yiba ne-solvency yezezimaliAmabhange azohlaziya ukuphepha komsebenzi wakho, umlando wesikweletu, kanye nezinga lesikweletu ngaphambi kokugunyaza ukubolekwa imali.
Ibhange lingaxhasa ngemali engakanani?
Inani elinikezwa amabhange lemalimboleko yokuzakhela liyahlukahluka kuye ngesikhungo kanye nephrofayili yomfakisicelo. Ngokuvamile, imali ekhokhwayo ihlanganisa kufika ku- 80% wenani elilinganisiwe lendlu yesikhathi esizayo uma isiqediwe.
Ngaphezu kwenkokhelo yendlu, kubalulekile ukuba nokonga okwengeziwe ukuze kuhlangatshezwane nezinye izindleko ezifana nezimvume zokwakha, ukuhlolwa kwempahla, intela, izimali zommeli, kanye nezindleko zokuphatha. Ungafunda ukuthi ungaziphatha kanjani lezi zici emithonjeni ehlukahlukene, njengalesi sihloko mayelana nokugeleza kwemali engenayo okujikelezayo.
Imigomo nemibandela ye-mortgage yokuzakhela
Izimo zalolu hlobo lwezimali ziyahlukahluka ngokwebhange, kodwa ezivame kakhulu yilezi:
- Isikhathi esiphezulu se-amortization: Uphakathi kweminyaka eyi-25 nengu-30 ubudala.
- Isikhathi somusa: Kufika eminyakeni emi-2 noma emi-3, lapho kukhokhwa khona inzalo kuphela hhayi imali enkulu.
- Uhlobo lwentshisekelo: Ingalungiswa noma iguquguquke, kuye ngokunikezwa kwebhizinisi ngalinye.
Amathiphu okufaka isicelo semalimboleko yokuzakhela
Uma uzimisele ukwakha ikhaya lakho ngesikweletu sendlu ozakhela sona, khumbula lawa macebiso ukuze wenze inqubo ibe lula:
- Qhathanisa okunikezwayo kwebhange okuhlukile ukukhetha imali ebolekiwe enemibandela engcono kakhulu.
- Qinisekisa isikhathi sokwakha aseqeli isikhathi somusa esibekwe kwi-mortgage.
- Cela izingcaphuno ezinemininingwane ezinkampanini ezahlukene zokwakha ngaphambi kokuqala umsebenzi.
- Lungiselela isikhwama esengeziwe ukubhekana nezenzakalo ezingalindelekile noma ukweqiwa kwezindleko ngesikhathi sokwakha.
I-mortgage yokuzakhela ingaba yisixazululo esingcono kakhulu sokwakha ikhaya lamaphupho akho. Nokho, kudinga ukuhlela ngokucophelela ukuze kuhlangatshezwane nezidingo futhi kugwenywe ukubambezeleka noma izinkinga zezimali. Ubuwazi ngalolu hlobo lwe-mortgage?
