Ifenitshala yokuphila encediswayo: Ukujonga ukhetho lwakho

Ifenitshala yokuphila encediswayo: Ukujonga ukhetho lwakho

INTSHAYELELO UKUFUNDA IZIBONELELO ZOKUFUNDA NOKUFUNDA

Iindawo zokuhlala ezincedisiweyo zijolise ekunikezeleni imeko ekhuselekileyo nekhululekile kubahlali abalupheleyo abafuna uncedo kwimisebenzi yemihla ngemihla. Ukunikezela ngezixhobo ezinefenitshala efanelekileyo kubalulekile ukwenza indawo efudumeleyo nememelayo ekhuthaza ubugebenga kunye nokusebenza. Nangona kunjalo, iindleko zefenitshala esemgangathweni inokuba ngumthwalo obalulekileyo wezemali kwezi ndawo. Kweli nqaku, siza kuphonononga iindlela ezahlukeneyo zokhetho ezikhoyo zokuncedisa ekufumaneni ifanitshala eyimfuneko yezixhobo zokuhlala ezincedisiweyo.

Imali mboleko yemveli kunye nokukhethwa kwezemali

Enye yeendlela zokuqala zokuqala ukuqwalasela xa imali ithengiswa ifanitshala yokuphila yimali mboleko yemveli kwiibhanki okanye kwimibutho yamatyala. La maziko anokubonelela ngemali mboleko yexesha elide, ngokwesiqhelo ngamaxabiso enzala esisigxina, avumele iindawo zokuthenga ifanitshala yenzekile kwaye ihlawule imali mboleko ngokuhamba kwexesha. Ngelixa le ndlela inika uzinzo kunye nokuqikelela, ikwafuna ukuba netyala elifanelekileyo kunye nenkqubo ende yokwenza isicelo. Ukongeza, amaziko kufuneka aqwalasele amaxabiso enzala kunye nemiba yokuhlawula, njengoko bechaphazela iindleko zonke ekuhambeni kwexesha.

Ukuqeshisa kunye neRent-kwiinkqubo zakho

Iinkqubo zokuqeshisa okanye eziqeshiweyo zibonelela ngenye indlela yokufumana ifanitshala yezixhobo zokuhlala ezincedisiweyo. Ngokuqeshisa, amaziko anokufikelela kwifanitshala yeendleko ezisisigxina zenyanga, ngaphandle kwesidingo sentlawulo enkulu. Olu khetho lubonelela ngokutshintsha, njengoko amaziko aphucula ngokulula okanye abuyisele ifanitshala njengoko kufuneka. Iinkqubo zerente ezizezimeleyo, kwelinye icala, zivumela iindawo zokwenza iintlawulo zokuqesha rhoqo ngokukhetha ifenitshala ekupheleni kwekota yokuqeshisa. Ngelixa ezi zinto zikhethiweyo zibonelela bhetyebhetye, kubalulekile ukuvavanya iindleko, izinga lenzala, kunye negama elichaphazelekayo ekuqeshisweni okanye izivumelwano ze-rent.

Izibonelelo kunye nemibutho engajonganga nzuzo

Uninzi lweZibonelelo kunye nemibutho engajonganga nzuzo igxile ekuncedeni iindawo zokuhlala ezincedisiweyo ekunikezeleni izithuba zabo. Le mibutho inokubonelela ngoncedo lwezezimali okanye ubuhlakani ukuze uncede unciphise umthwalo weendleko. Ukuphonononga ezi zikhefu, izibonelelo kufuneka ziqhubele phambili uphando oluchanekileyo kwaye lufikelela kwimibutho efanelekileyo kuluntu okanye kwinqanaba likazwelonke. Ngelixa izibonelelo kunye noncedo olungeyonjongo lunokunciphisa kakhulu iindleko, amaziko kufuneka ahlangabezane neemfuno ezithile kunye nemihla ebekiweyo ukuze ufumane uncedo.

Ukuxhaswa kwenkxaso kunye noluntu

Iqonga lamaqonga, njengekickstarter okanye i-gopundeme, iye yaba ziindlela ezithandwayo zokuvelisa imali kwiiprojekthi ezahlukeneyo, kubandakanywa neziko lokuhlala elincedisiweyo. Izixhobo zinokwenza iphulo lokunyanzela, libalaselisa ukubaluleka kwefanitshala esemgangathweni yokwandisa ubomi babo. Ngokwenza uluntu ngamajelo osasazo, ii-imeyile, kunye neminyhadala yendawo, izibonelelo zinokukhuthaza umntu ngamnye ukuba afake igalelo ekuthengeni kwefanitshala. Olu khetho aluphumeleli inkxaso yemali kuphela kodwa ikwandisa imvakalelo yokubandakanyeka kwabahlali kunye nenkxaso yendawo.

Izicwangciso zemali zomthengisi kunye nezicwangciso zokuhlawula

Abanye abathengisi befenitshala banikezela ukhetho lwezemali kwindlu okanye izicwangciso zokuhlawula ezilungiselelwe ukuba zincedise amaziko okuhlala ancediswayo. La malungiselelo Vumela iindawo zokusasaza iindleko zefanitshala yazo ngexesha elide. Inkxaso-mali yomthengisi ihlala iza neMigama eguqukayo, incitshiswe amaxabiso enzala, okanye amaxesha enzala. Izixhobo kufuneka ziphonononge olu khetho ngokunxibelelana nabathengisi befanitshala ngokukhethekileyo kwiindawo zokuhlala ezincedisiweyo kwaye zibuze malunga nokhetho lwabo lezemali.

ISIQINISEKISO: Ukufumana olona khetho lufanelekileyo kwiZiko lokuhlala elincedisiweyo

Xa ufuna imali kwifanitshala encediswayo encediswayo, kubalulekile ukuba uqwalasele zonke iindlela ezikhoyo. Imeko yemali nganye kunye neemfuno ezithile ziya kuhlawula eyona ndlela ifanelekileyo. Imali mboleko yendabuko, iinkqubo zokuqeshisa, izibonelelo, izizwe, ukuxhaswa kwezemali, kunye nenkxaso yoluntu kuzo zonke iindlela ezifanelekileyo zokuhlola. Izixhobo kufuneka zihlole ngononophelo imigaqo, amaxabiso enzala, ukhetho lokuhlawula, kunye neendleko zexesha elide ezinxulumene nenketho nganye yokwenza isigqibo. Ngophando olufanelekileyo kunye nokuqwalaselwa ngokubonakalayo, amaziko okuhlala ancediswayo anokukhusela imali eyimfuneko yokubonelela abahlali ngefenitshala efanelekileyo nelondolozweni xa ugcina uzinzo lwezemali.