Ngaba uceba ukufumana ikhaya eliphambili okanye lesibini kwiinyanga okanye kwiminyaka ezayo? Ngaba uyafuna ukutyala imali kwisicwangciso sepropathi yokurenta ukwandisa umvuzo wakho? Ngokuqinisekileyo uvile ngomgaqo we amandla okuthenga umhlaba. Ngokwenyani, le yokugqibela iya kuba nefuthe kwiprojekthi yakho nakwi uhlobo lwepropati uya kufumana.

Kule meko, yintoni kanye kanye amandla okuthenga umhlaba? Ukubala njani? Indlela yokuyiphuhlisa? Kweli nqaku, sichaza yonke into oyifunayo ukuba uyazi malunga namandla okuthenga umhlaba.

Yintoni ekufuneka uyazi malunga negunya lokuthenga izindlu!

Amandla okuthenga izindlu nomhlaba amelwe linani le-m² onokulifumana, yidatha eguquguqukayo eguqukayo ngokwezinto ezininzi ezibalulekileyo. Amandla okuthenga ajongene nokunyuka kwexabiso okubonakalayo kwiminyaka yakutshanje. Ngokunyuka kwexabiso, amaFrentshi anyanzelekile ukuba athenge izindlu ezinendawo encinci. Ukujongana nale ngxaki, kubalulekile ukufumana indlela yoku ukwandisa amandla okuthenga umhlaba.

Zeziphi izinto ezisetyenziselwa ukubala amandla okuthenga izindlu nomhlaba?

galela ukulinganisa amandla okuthenga izindlu nomhlaba kwikhaya, kubalulekile ukuqwalasela izinga lokuboleka kwayo (amandla okuboleka) kunye nexabiso lezindlu nomhlaba elibalwe ngokwem² kwindawo ethile. Izinto ezithathelwe ingqalelo ukulinganisa amandla okuboleka izindlu nomhlaba zicatshulwe kolu luhlu lulandelayo:

  • inani lababoleki (ukuboleka yedwa okanye ngababini kunempembelelo ekubaleni, ngakumbi ukuba unengeniso ekhulayo xa uboleka ngababini);
  • ingeniso yekhaya apho kukho umvuzo, iibhonasi, ipenshoni yomhlalaphantsi, njl. ;
  • ingeniso eyongezelelweyo yekhaya apho kukho i-alimony, iirenti ezifunyenwe kwimeko yotyalo-mali lwerenti, njl. ;
  • Iindleko ezahlukeneyo zekhaya ezibandakanya ukuhlawulwa kwe-alimony, ikhredithi yomthengi yangoku kunye nezinye iimali zokubambisa, njl. ;

Ukuqonda ngcono amandla akho okuthenga umhlaba, kubalulekile ukwazi kwakhona izinga lenzala yetyala, elinempembelelo kwindleko iyonke yemali-mboleko. Le yokugqibela iya kuba nefuthe kwisixa seentlawulo zenyanga.

Umzekelo wokubalwa kwamandla okuthenga izindlu nomhlaba

galela ukubala amandla okuthenga izindlu nomhlaba, kufuneka uphuhlise a real estate credit simulation. Masithi umthamo wakho wokuboleka yi-€250 ngokomzekelo kwaye uceba ukufumana ipropathi eRennes, apho ixabiso eliqikelelweyo ngem² yi-€000.

Bala nje olu lubalo lulandelayo ukufumana inani le-m² apho amandla akho okuthenga umhlaba wokwenene akuvumela ukuba ulifumane: 250 / 000 = 4. Ngoko ke, kunye nohlahlo lwabiwo-mali kulo mmandla, uya kukwazi ukuthenga indawo yokuhlala ye-093 sq.m.

Indlela yokwandisa amandla okuthenga umhlaba?

Izisombululo ezininzi ziyafumaneka kuwe ukuvumela ukuba wenze njalowandise amandla akho okuboleka okanye ukuthenga izindlu nomhlaba. Oku kuya kukuvumela ukuba unike ubomi bakho Iprojekthi yokuthenga izindlu nomhlaba ngendlela ekhawulezayo nengaphantsi kwemida:

  • ukufumana a ireyithi yokuboleka imali : zama ukufumana elona nqanaba lokuboleka linomdla okanye uboleke ngaphezulu xa ireyithi yehla ukunyusa ngokwendalo amandla akho okuthenga umhlaba;
  • umrhumo kwimali-mboleko exhaswa ngemali: oku kwenza kube lula ukunciphisa ixabiso lilonke letyala kwaye kukunceda ukuba uthenge ezinkulu ngokuboleka ngaphezulu;
  • ukukhetha i-inshurensi efanelekileyo yomboleki: oku kunempembelelo kwiindleko zekhredithi kwaye ngokwemvelo kuchaphazela amandla akho okuboleka kunye namandla akho okuthenga umhlaba;
  • ukwandisa igalelo lomntu: kuyacetyiswa ukuba ube negalelo eliphezulu lomntu. Zama ukuyandisa ngokugcina ukuze ukwazi ukuboleka ngaphezulu;
  • ukwandisa ixesha lemali mboleko yendlu: ukuba nentlawulo encinci yokwenza xa kuthelekiswa nekhredithi kwixesha elifutshane;
  • ukhetho lwesixeko esingabizi kakhulu: ukuthenga ipropati enkulu, kufuneka ulungele ukuhamba iikhilomitha ezimbalwa.

Okokugqibela, qwalasela kwakhona ukwandisa umthombo wakho womvuzo ukuba kuyenzeka. Ukungena kwemali ephezulu kuhambelana nokukhetha okuninzi kutyalo-mali lwezindlu nomhlaba.