Ingabe uhlela ukuthola ikhaya eliyinhloko noma lesibili ezinyangeni noma eminyakeni ezayo? Ingabe uyafuna ukutshala imali ohlelweni lwezakhiwo eziqashisayo ukuze wandise iholo lakho? Impela uzwile ngomgomo wokuthi amandla okuthenga izindlu. Ngempela, lokhu kokugcina kuzoba nomthelela kuphrojekthi yakho kanye ne uhlobo lwempahla ukuthi uzozuza.

Kulokhu, ayini ngempela amandla okuthenga izindlu nomhlaba? Indlela yokubala? Indlela yokuyithuthukisa? Kulesi sihloko, sichaza konke okudingeka ukwazi mayelana namandla okuthenga izindlu nomhlaba.

Odinga ukukwazi mayelana namandla okuthenga izindlu!

Amandla okuthenga izindlu nomhlaba amelwe inombolo ye-m² ongayithola, idatha eguquguqukayo eshintsha ngokuya ngezinto ezimbalwa ezibalulekile. Amandla okuthenga abhekane nokukhuphuka kwentengo okukhulu eminyakeni yamuva. Ngalokhu kunyuka kwentengo, amaFulentshi ayaphoqeleka ukuthi athenge izindlu ezinendawo encane. Ubhekene nale nkinga, kubalulekile ukuthola indlela yokubhekana nale nkinga ukwandisa amandla okuthenga izindlu.

Yiziphi izici ezisetshenziselwa ukubala amandla okuthenga izindlu nomhlaba?

ngoba ukukala amandla okuthenga izindlu ekhaya, kubalulekile ukucabangela izinga lokuboleka (amandla okuboleka) kanye nenani lezindlu ezithengiswayo elibalwe nge-m² ngayinye endaweni ethile. Izinto ezicatshangelwayo ukuze kulinganiswe amandla okuboleka izindlu zicashunwe ohlwini olulandelayo:

  • inani lababolekayo (ukuboleka kukodwa noma ngababili kunomthelela ekubaleni, ikakhulukazi uma unemali engenayo eqoqwayo uma kwenzeka uboleka ngababili);
  • imali yasendlini lapho kukhona iholo, amabhonasi, impesheni yomhlalaphansi, njll. ;
  • imali eyengeziwe yomuzi lapho kukhona khona imali yesondlo, irenti etholiwe esimweni sokutshalwa kwezimali eziqashisayo, njll. ;
  • izindleko zendlu ezehlukene ezihlanganisa ukukhokhwa kwesondlo, isikweletu somthengi samanje nezinye izikweletu zezindlu, njll. ;

Ukuze uqonde kangcono amandla akho okuthenga ingcebo, kubalulekile ukwazi nezinga lenzalo lesikweletu, elinomthelela kuzo zonke izindleko zemboleko. Lokhu kwakamuva kuzoba nomthelela enanini lezinkokhelo zanyanga zonke.

Isibonelo sokubala amandla okuthenga izindlu nomhlaba

ngoba bala amandla okuthenga ingcebo, udinga ukuthuthukisa a ukumbumbuluzwa kwesikweletu sezindlu. Ake sithi umthamo wakho wokuboleka ungu-€250 ngokwesibonelo futhi uhlela ukuthola indawo e-Rennes, lapho inani lentengo elilinganiselwa ku-m² lingu-€000.

Vele ubale izibalo ezilandelayo ukuze uthole inombolo ye-m² amandla akho okuthenga izindlu nomhlaba akuvumela ukuthi uwuthole: 250 / 000 = 4. Ngakho-ke, ngesabelomali esinjalo kulesi sifunda, uzokwazi ukuthenga indawo yangempela ye-093 sq.m.

Indlela yokwandisa ikhono lokuthenga indawo yokuhlala?

Izixazululo eziningana ziyatholakala kuwe ukuze zikuvumele ukuthi uzenzekhulisa amandla akho okuboleka noma ukuthenga ingcebo. Lokhu kuzokuvumela ukuthi unikeze impilo yakho iphrojekthi yokuthenga izindlu ngendlela esheshayo nengakhawuleli kangako:

  • ukuthola a best mortgage rate : zama ukuthola inani elithakazelisa kakhulu lokuboleka noma uboleke ngaphezulu uma izinga lehla ukuze ukhulise ngokwemvelo amandla akho okuthenga izindlu nomhlaba;
  • ukubhalisa emalini ebolekiwe yomxhaso: lokhu futhi kwenza kube nokwenzeka ukunciphisa inani lezindleko zesikweletu futhi kukusiza ukuthi uthenge ezinkulu ngokuboleka ngaphezulu;
  • ukukhetha umshwalense ofanele womboleki: lokhu kunomthelela ezindlekweni zesikweletu futhi kuthonya ngokwemvelo umthamo wakho wokuboleka kanye namandla akho okuthenga izindlu nomhlaba;
  • ukwandisa umnikelo womuntu siqu: kunconywa ukuba nomnikelo womuntu siqu ophezulu. Zama ukukwandisa ngokulondoloza ukuze ukwazi ukuboleka okwengeziwe;
  • ukwandisa ubude besikhathi semalimboleko yomuzi: ukuba nezinkokhelo ezimbalwa ongazikhokha uma kuqhathaniswa nesikweletu esikhathini esifushane;
  • ukukhethwa kwedolobha elingabizi kakhulu: ukuthenga indawo enkulu, kufanele ulungele ukuhamba amakhilomitha ambalwa.

Ekugcineni, cabanga futhi wandise umthombo wakho wemali engenayo uma kwenzeka. Ukugeleza kwemali okuphezulu kufana nezinketho eziningi zokutshalwa kwezimali ngendawo.