Ucabanga ukuthenga umuzi? Funda la kuqala | Stangen

Uma iminyaka yakho iphakathi kuka-30,ukuya phambili,  maningi amathuba wokuthi usungena esigabeni sempilo yakho lapho usuuhola kanconcwana, futhi ngenxa yalokho, usucabanga nokuthenga umuzi. Ngengomuntu osemusha, kubalulekile ukwazi ukuthi yiziphi izimo ozobhekana nazo. Ukuthenga umuzi yindlela enhle yokusebenzisa imali futhi edinga ubuhlakani kwezokubeka imali, kanye nokuqonda ukuthi zisebenza kanjani izinto kwezokudayisa izindlu. 

Nhlanhlaleyo ukuthenga umuzi akuwona umdanti njengoba abantu becabanga ukuthi kuyiwo, mawukwaze ukubenka imali eyanele,iphupho lakho lokuthenga umuzi lingafezeka. 

Nazi izinto ezimbalwa ezingakusiza uma ungumuntu oqalalayo ukuthenga umuzi. Landela lamaphuzu ukuze ukuthenga kwakho umuzi kuzoba isibusiso, hhayi umthwalo oyogcina ungasakwazi ukuwumela, usuhluleka ukukhokhela indlu yakho. 

Khokha zonke izikweletu zakho, uvule i-akhawunti yokubeka imali. 

Ukuthenga umuzi omusha kuyabiza, kodwa kubiza kakhulu uma unezinye izibophezelo osazozikhokha isikhathi eside futhi ozikhokhela  nyanga zonke. Ngokujwayelekile, ukukhokhela isikweletu somuzi kuthatha iminyaka eyi 10 ukuya phezulu, kodwa ke kuya ngokuthi uhola malini, nokuthi yiziphi izinto ezikumele ukuthi uzikhokhele nyanga zonke, yingakho kubalulekile ukukhokhela zonke izikweletu zakho ezinkulu kuqala ukuze ungaxineki kakhulu. Qinisekisa ukuthi awunazo izikweleletu, futhi unemadlana oyibekele izimo eziphuthumayo, imali engakulonda izinyana ezintathu ukuya kweziyisithupha.  

Ngingakhona malini? 

Alikho iphutha elikhulu ongalenza elidlula ukuthenga umuzi ongeke ukwazi ukuwukhokhela. Ngaphaphambi kokuthi uthathe isisnqumo sokuthenga umuzi, ngisho kungathiwa usuzitshele kangakanani enhlizweni yakho ukuthi uyawuthanda, lowomuzi, kubalulekile ukuthi ubuke izidingo zakho ozikhokhela nyanga zonke, ukuze ukwazi ukubona ukuthi uzoba nemali eyanele yini yokukhokhela lomuzi njalo ngenyanga. Kungakusiza futhi ukuthi usebenzise i- ‘bond calculator’, okuyindlela yokubala ukuthi umuzi obiza malini ofanele umholo wakho, iyasiza nokuqinisekisa ukuthi uyayazi into ozifaka kuyona uma uthenga lowo muzi.

Beka imali ye – ‘down payment’

Uma ukubeka imali ephelele yokuthenga umuzi kungeyona into engenzeka kulesikhathi wena ozihlelele ukuba nomuzi ngaso, ungabeka noma u 20% waleyomali. Ukukhokha lowo 20%, esiwubiza nge ‘down payment’ kusho ukuthi ngeke udinge ukuba nesikweletu esikhulu somuzi. Ukufaka imali enkulu kusho ukuthi isikweletu sakho sizobasincane. 

Hamba uyobuka imizi eminingi edayisayo.

Lokhu kuzokusiza ekuthatheni isinqumo sokuthi yimuphi umuzi ofuna ukuwuthenga, indawo ofisa ukuthenga kuyona , nokuthi ubone futhi ukuthi kuyifanele yini imali yakho. Uma uthenga umuzi kubalulekile ukuthi ucabange nezinsiza ezikulowo mphakathi, kanye nobuhle bendawo ofisa ukuthenga kuyona. Ngena kule-linki uthole izeluleko nezinto okumele uzibheke uma uthenga umuzi: helpful checklist

Kona ukucabanga ukuthenga ikhaya kuyinto ejabulisayo, kodwa kunezinto okumele uzibheke ngaphandle kokuthatha lesinqumo, kodwa uma uhlele kahle imali yakho, waphinda wafundisisa kahle ngokuthenga umuzi, kungaba ezinye izinto eziyimpumelelo enkulu empilweni yakho.

Be Wise - Find your ideal plan with Stangen

We understand that you want to make wise choices that suit you.
Use our cover calculator to easily get an idea of your cover requirements.

Click here to use the cover calculator


Need assistance? We'll call you back.