Phatha umhlalaphansi wakho ngokutshalwa kwezindlu nezindlu

Ukuthatha kwakho umhlalaphansi kuyeza ngokushesha kodwa awukalondolozi ngokwanele? Ngenhlanhla, akukephuzi kakhulu ukulungiselela umhlalaphansi wakho. Ukutshalwa kwezindlu ngezindlu kuyisixazululo esikhethwayo sokuxhasa ngezimali umhlalaphansi wakho.

Ngenxa yezimali eziqashiswayo eziqoqwe, izindlu ezithengiswayo zingenisa imali evamile. Kuyinto umphelelisi appreciable ukuyigcina yayo izinga lokuphila ngemva kwama-60. Iningi labantu abadala lithembele etsheni ukuze lifake imali yempesheni.

Zitholele kulesi sihloko ukuthi ungasebenzisa kanjani ithuba lezindlu ezithengiswayo ukuze uxhase ngokuthula imali yakho yomhlalaphansi. Sizobuyekeza izinhlobo ezahlukene zokutshalwa kwezimali okumele zincanywe. Sizophinde sibhekane nenkinga yezikweletu nentela.

Landela umhlahlandlela! Akukephuzi kakhulu ukulungiselela kahle umhlalaphansi. Kodwa ngaphambi kokuthi siqale, nakhu Ungawuxhasa kanjani kangcono umhlalaphansi wakho wesikhathi esizayo?

 Asambe !!

🌿 Kuyini ukutshalwa kwezindlu ezithengiswayo?

Ukutshalwa kwezimali kwezindlu nezindlu kuhlanganisa ukuthenga indawo ethengiswayo ngombono wamagugu kanye nembuyiselo yezimali. Kunezindlela ezahlukene zokwenza lolu hlobo lokutshala imali.

Okwakudala kakhulu ukuthengwa kwefulethi noma indlu ukuze uyiqashise. Umtshali-zimali ube esethola imali yokuqasha nyanga zonke ehambisana nerenti, okumele kudonswe kuyo izindleko ezitholakala kuleyo ndawo. Inhloso ukudalula imbuyiselo yonyaka ngenxa yezimali eziqashiwe eziqoqiwe.

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Ungakwazi futhi ukuthenga indawo ngaphakathi umgomo wokuyithengisa kabusha eminyakeni embalwa kamuva ngokubona inani elengeziwe. Le nzuzo yemali ivela ekukhuphukeni kwemakethe yezindlu nezindlu, noma ekubuyekezweni kabusha kwendawo ngemuva komsebenzi wokuthuthukisa owenziwe ngumtshalizimali.

Noma ngabe liyini isu, ukutshalwa kwezimali kwezakhiwo kufanele cabanga ngesikhathi eside. Ukuhlukahluka kuyanconywa futhi ukuze kungagxili kuzo zonke izingozi endaweni efanayo.

🌿 Tshala imali endaweni yokuhlala enkulu

Indawo yokuhlala eyinhloko kufanele ibe banzi ngokwanele ukuba ingaqashwa ngokwengxenye uma usuthathe umhlalaphansi. Cabanga ngakho ngaphambi kokuthenga noma ukwakha.

Uncamela indlu ene-annex ezimele noma ifulethi elikhulu elinamagumbi amabili okulala ahlukene. Ungakwazi ke ukuqasha ingxenye yendawo ukuze ungenise imali. Kulula ukuqasha umuntu oyedwa kunomndeni.

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Khomba indawo emaphakathi, exhumeke kahle ukuze wenze ukuqasha kube lula. Ukwahlukanisa okuhle, amanani aphansi, indawo yokupaka izimoto: ifulethi kufanele libe ukusebenza ukuheha abaqashi.

Un ukuqasha okunempahla kunenzuzo enkulu kunokuqasha okungenalutho. Nikeza ifenisha yekhwalithi nemishini.

Ukuqashwa kwesizini ehlobo, ukuqashwa kwabafundi, ukushintshwa kwegumbi: phindaphinda amathuba emali engenayo eyengeziwe.

Lindela noma yimuphi umsebenzi ukusiza ukuhlalisana nokuqasha. Ifulethi eliminyene kakhulu noma eliwohlokayo kuzoba nzima ukuliqasha.

🌿 Thola indawo eqashisayo ukuze ukwazi ukukhokhela umhlalaphansi wakho

Ukuthenga indlu ehloselwe ukuqashwa kuphela kuwutshalomali oluhle lokukhokhela umhlalaphansi wakho. Izimali eziqashiswayo eziqoqiwe zenza imali eyengeziwe eyengeziwe uma usuthathe umhlalaphansi.

Ukuze uthuthukise ukubekwa:

• Uncamela indawo encane okulula ukuyiqasha : studio, amakamelo amabili, ifulethi elinesizotha. Irenti izoba phezulu nge-m2 ngayinye.
• Khomba indawo efanelekile : eduze nenyuvesi, enkabeni yedolobha, metro, izitolo. Isidingo sokuqasha sizoba sikhulu.
• yenza umsebenzi othile ukwenza indawo yokuhlala ibe yesimanje ngaphambi kokuyiqashisa: i-parquet, ugesi, indlu yokugezela.
• Hlomisa okungenani: okokulala, ama-hotplates, isiqandisi. Lokhu kusiza ukuqasha okunempahla enenzuzo eyengeziwe.
• Bheja ngentela enenzuzo ye-LMNP (Inkampani Eqashisayo Engasebenzanga Ochwepheshe). Ukukhululwa enteleni okungenzeka.
• Gcina imali eyisixwayiso mayelana nezimo eziphuthumayo: umsebenzi ophuthumayo, ukuqashwa kweholide, izikweletu ezingakhokhiwe.

Uma usuvele ungumnikazi wendawo, cabanga futhi ngokuyiqashisa ngemva kokuthatha umhlalaphansi. Amarenti azokwenza isengezo esibalulekile.

🌿 Beka ukonga kwakho ku-SCPI

Enye indlela yokuxhasa ngezimali ukuthatha kwakho umhlalaphansi ukwenza ukutshalwa kwezimali kwe-SCPI. Ama-SCPIs (Izinkampani Zotshalomali Zezindlu Zomphakathi) ziyawavumela ukutshala izindlu eziqashisayo ngendlela elula.

Sithenga amasheya e-SCPI anikeza ilungelo lesabelo semali eqashisayo eqoqwe ngeqoqo lezakhiwo eziphethwe ochwepheshe.

Khetha i-SCPI etshalwe ezindaweni zokuhlala. Khomba i-a isamba sesivuno esingu-4 kuya ku-5% ukwenza inzuzo eyengeziwe enethezekile.

Ungaphinda ukhethe umshwalense wempilo yezindlu. Sitshala kumayunithi e-akhawunti asekelwa ama-SCPIs, anezinzuzo zomshwalense wempilo: ukuphuma ngempesheni noma imali oyikhethayo.

Eqinisweni, ama-SCPI awutshalomali lwezindlu ezithengiswayo olula kakhulu ongaluphatha ukuze ungezelele iholo lakho lomhlalaphansi ngaphandle kokukhathazeka.

🌿 Bheja nge-life annuity

I-life annuity iwuhlelo oluhlakaniphile lwezezimali kanye nezindawo ezithengiswayo oluvumela umuntu osekhulile, umdayisi, ukuba athengise indawo yakhe (indlu, ifulethi, indawo, njll.) kuyilapho egcina ilungelo lokuhlala lapho kuze kube sekufeni kwakhe. Le nqubo futhi ikuvumela ukuba ukukhokhela umhlalaphansi wakho kalula.

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Umthengi ukhokha ngokushesha inani elibizwa ngokuthi “isixha” emele ingxenye kuphela yentengo yokuthengisa, ngokuvamile phakathi kuka-10% no-30%. Enye intengo ikhokhwa ngendlela ethi “i-life annuity” wayekhokha ngezikhathi ezithile kumdayisi ngesikhathi sokuphila kwakhe.

Umthengi uzoba nobunikazi obugcwele bendawo kuphela lapho kushona umdayisi, osengumnikazi ongenalutho okwamanje. Intengo incike eminyakeni yobudala yomthengisi ngakho-ke kweyakhe isilinganiso seminyaka yokuphila.

Ngakho-ke i-life annuity iyi-investment yezindlu nezindleko eziphansi kumthengi kodwa iyingozi uma enephutha mayelana nempilo esele yomthengisi ohleliyo.

Izinzuzo ze-life annuity yomhlalaphansi:

• intengo enesaphulelo, okwenza kube nokwenzeka ukutshala imali endaweni enhle. Kufika -50% yenani lemakethe.
• Imali engaba khona uma umhlali amukela ingxenye encane encane.
• Intela enenzuzo : akukho nzuzo yemali ekhokhiswa intela ngokufa komhlali.
• Buyisela ekutshalweni kwezimali ekufeni uma ukuthengiswa kabusha kwesakhiwo noma ukuqashwa.

Khetha imali yakho yempesheni ngokucophelela: endaweni efanele, umhlali ongamdala kakhulu, uchwepheshe bezokwelapha obunembile. Ilungiselelo elihlakaniphile lokutshala imali ematsheni lapho kuntuleka umnikelo.

🌿 Sebenzisa i-mortgage

Ukuze wakhe iphothifoliyo yokuqasha, ungangabazi ukusebenzisa imali ebolekiwe, ngisho nalapho usuzothatha umhlalaphansi. Ukuboleka kusalokhu kukhanga uma kubhekwa amanani aphansi amanje.

Njengeseluleko, khawula inani ibolekwe ngenani eliphezulu elingu-50% yenani impahla ukuze kube lula ukuthola imali ebolekiwe. Xoxisana a credit ngaphezu kweminyaka engu-15 esiphezulu. Okuhle wukuba uyikhokhe ngaphambi kokuthi uye empeshenini.

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Uncamela isilinganiso esinqunyiwe ukuze ugweme amanani akhuphukayo. Ngisho noma kusho ukukhokha kancane.  Khetha umshwalense womboleki oshibhe kakhulu, iminyaka yakho ayinandaba. Khetha izinkokhelo zenyanga njalo : akukho okumangazayo noma umphumela we-snowball.

Xoxisana ngokucatshangelwa kwerenti ekubalweni kwesilinganiso sesikweletu sakho. Amortize inhlokodolobha ngokushesha kakhudlwana uma kungenzeka ngenxa yokuqasha eqoqwe.

Qaphela, imalimboleko kufanele ihlale esimeme ngemva kokuthatha umhlalaphansi. Imali oyiholayo esikhathini esizayo izodinga ukukhokhela izinkokhelo zanyanga zonke kanye nezindleko. Linganisa ibhajethi yakho ngokucophelela.

🌿 Ukuvala

Ngenxa yokutshalwa kwezimali eziqashisayo, ungaqinisekisa imali eyengeziwe enethezekile uma usuthatha umhlalaphansi. Izinketho eziningi zitholakala kuwe ngokuya ngesabelomali sakho kanye nesimo sakho sengqondo.

Ukuqasha ingxenye yendawo yakho yokuhlala eyinhloko isixazululo esilula. Ukuthenga okumsulwa kwendawo eqashisayo kunenzuzo enkulu kodwa kudinga ukuqapha okuqinile. Ama-SCPI akwenza kube nokwenzeka ukutshala imali ngokungenzi lutho ngokusebenzisa ochwepheshe. I-life annuity kanye ne-mortgage kumele ifundwe ngokwesimo sakho.

Noma iyiphi inketho oyikhethayo, hlela iphrojekthi yakho ngokucophelela. Hlaziya ngokucophelela zonke izici: intela, inzuzo, izinkokhiso zesikhathi esizayo, ubungozi bokuqasha, ukudayiswa kabusha okungenzeka. Shayela uchwepheshe wezindlu ukuze akuqondise. Contactez-Nous.

Kodwa ngaphambi kokuba uhambe, nansi Indlela Yokudala Isipho Sebhizinisi Esingenakuvinjelwa