Umshwalense wempilo unomsebenzi woku vikela imindeni yemiphumela yezomnotho engaba khona ukushona kwanoma yibaphi abantu abafaka imali ku-nucleus okungase kuhilele. Ngale ndlela, ikusasa kanye nezifundo zezingane ziyaqinisekiswa futhi ifa lomndeni livikelekile ezikweletini ezingaba khona.
Ngalesi sizathu, ukuthatha umshwalense wempilo kuyinto enye yezindlela ezingcono kakhulu zokuvikela umnotho womndeni. Kodwa-ke, abanye abantu bazizwa bedidekile ngokungazi ukuthi kunini lapho kuthakazelisa ngempela ukukhipha owodwa wale mishwalense nokuthi kwenziwa kanjani ukuze bathole isivikelo esisebenza kahle kakhulu.
Njengoba kuwuhlobo olufanele lwenqubomgomo ezimpilweni zethu kanye nalabo esibathandayo, Kubalulekile ukukhetha kahle ukuthi uzoyiqasha nini. Kunezikhathi ezithile lapho okujabulisa kakhulu ukuthatha umshwalense wempilo. Okulandelayo, sikunikeza okhiye bokwazi ukuthi ukwenze nini futhi kanjani.
Uneminyaka emingaki ukuthenga umshwalense wempilo
Sekuyisikhathi eside, ochwepheshe bomshwalense baphikisana ngeminyaka engcono kakhulu yokuqasha a umshuwalense wokuphila. Sikhumbula ukuthi esinye sezizathu eziyinhloko zokusayina lolu hlobo lwenqubomgomo ukunakekela imindeni yethu, ochwepheshe baye bafinyelela esiphethweni sokuthi Kungcono ukuthatha umshwalense wokuphila phakathi kweminyaka engama-30 nengama-50 ubudala.
Nakuba lena kuyimfoloko ebanzi kakhulu, kubalulekile ukuqaphela lokho konke kuzoncika esimweni somuntu ngamunye nokuthi akubona bonke abantu abaseqophelweni elifanayo elibalulekile ngeminyaka efanayo.
Ukuthenga umshwalense wempilo lapho uqala umndeni
Njengoba sibonile ephuzwini elidlule, kubalulekile ukucabangela isimo umuntu azithola ekuso. Le mishwalense yakhelwe ukuvikela abathandekayo bethu, ngakho isikhathi lapho umndeni uqala Kuyisimo esifanele ukuthatha umshwalense wempilo.
Eqinisweni, kulinganiselwa ukuthi iminyaka ephakathi kuka-30 no-50 iyona efaneleke kakhulu ukuthatha umshwalense wokuphila ngoba iyiqembu leminyaka izingane ezivame ukuzalwa kulo.
Ngaphezu kwalokho, kuzoba mnandi kakhulu ukuthatha umshwalense wempilo lapho uqala umndeni uma kuncike ngokwezomnotho ukuthi uphile. Kungakhathaliseki ukuthi umkhaya wakhiwe amalungu amabili noma ngaphezulu, kubalulekile ukuvikela umnotho womkhaya emthelela ukufa komuntu omelela umthombo omkhulu weholo okungaba nawo.
Nakuba kuyinto engavamile ukucatshangwa okwamanje, kubalulekile ukukhumbula njalo lokho Izingozi, izifo noma izimo ezingalindelekile zingenzeka ngaphambi kwalokho izihlobo zethu zingashiywa zingavikelekile.
Ngokufanayo, kubalulekile ukucabanga ukuthi ungakanani umshwalense ongawufaka. Kulezi zimo, ochwepheshe batusa ukuthi inani libe izikhathi ezintathu kuya kwezihlanu ngomholo wakho wonyaka. Ngale ndlela, izihlobo zakho zizoba neminyaka embalwa yokumisa umnotho womndeni.
Thatha umshwalense wempilo uma ufaka isicelo semali mboleko
Uma uthenga ikhaya ngaphansi kwe-mortgage, lesi futhi kuzoba yisikhathi esihle sokuqasha umshwalense wempilo ovikela obathandayo ekukhokheleni lesi sikweletu. Ngakho, uma kwenzeka ukufa noma ukukhubazeka (kuye ngokuthi imibandela yepholisi ngayinye), umndeni wakho ngeke kudingeke ukhokhe imali yendlu ukuze ugcine ikhaya.
Ukubaluleka komshwalense wempilo ezinkokhelweni zezindlu zokwenza ukuthi amabhange amaningi azinikeze kanye nemali mboleko yezindlu. Kulezi zimo, Kubaluleke kakhulu ukuthi ipholisi ikhava u-100% wemali mboleko ukuze sigweme ukuthi isikweletu singasabalali ezihlotsheni zethu.