Xa kuziwa kwiminyango yegaraji, zininzi izinto ekufuneka ziqwalaselwe, kubandakanya ubungakanani, isimbo, kunye nomsebenzi.Ukungaqondi kakuhle okuqhelekileyo phakathi kwabaninikhaya kukuba ingaba ucango lwegaraji lunokuba lude kunokuvulwa ngokwalo.Kule bhlog, siza kugrumba kwesi sihloko kwaye sidilize iintsomi malunga neengcango zegaraji ezinokudlula imilinganiselo ethe nkqo yokuvula.
Funda malunga nobukhulu bomnyango wegaraji:
Ngaphambi kokuba sifike kumbuzo ophambili, kubalulekile ukwazi malunga nobukhulu bomnyango wegaraji.Iingcango zegaraji eziqhelekileyo zokuhlala zihlala zi-7 okanye i-8 ukuphakama kwaye ziyahluka ngobubanzi ukusuka kwi-8, 9, 16 okanye i-18 iinyawo, kuxhomekeke kwimfuno yokuhlalisa isithuthi esinye okanye ngaphezulu.Le milinganiselo iya kuhambelana neemfuno zabaninimzi abaninzi, kodwa kuthekani ukuba ufuna umnyango wegaraji omde?
Uhlengahlengiso olunokwenzeka:
Ukujongana nombuzo wokuba umnyango wegaraji unokuba phezulu kunokuvulwa, ukuguqulwa kunokwenziwa kwezinye iimeko.Nangona kunjalo, kubalulekile ukuqaphela ukuba olu hlengahlengiso kufuneka lwenziwe ngononophelo kwaye ziingcali ukuqinisekisa ukusebenza okufanelekileyo kunye nokhuseleko.
1. Yandisa ubude bokuvula:
Ukuba ufuna umnyango wegaraji omde, unokuphakamisa ukuphakama kokuvula.Olu hlengahlengiso lubandakanya ukuphakama kweentloko zeengcango, iifreyimu zeengcango kunye nokususa inxalenye yodonga olukhoyo.Lo ngumsebenzi onzima ofuna ulwazi olubanzi lolwakhiwo, ngoko ke kucetyiswa kakhulu ukubonisana nomfakeli wengcango yegaraji yobuchwephesha okanye ikontraki eqeqeshiweyo.
2. Iingcango zegaraji zesiko:
Enye inketho yokuba nomnyango wegaraji omde kukukhetha umnyango wesiko.Ngelixa ubungakanani obuqhelekileyo bufumaneka ngokulula, abanye abavelisi babonelela ngeendlela ezinokwenziwa ngokwezifiso.Ngeengcango zesiko, unokwenza umnyango ulungele iimfuno zakho zobude obukhethekileyo.Nangona kunjalo, khumbula ukuba le ndlela inokubiza kakhulu kunokukhetha umnyango oqhelekileyo ngenxa yokwenziwa ngokwezifiso okubandakanyekayo.
Iingqwalasela ezibalulekileyo:
Ngelixa kunokuhenda ukukhetha umnyango omde wegaraji, kukho izinto ezininzi ezibalulekileyo ekufuneka ziqwalaselwe phambi kokuba kwenziwe naluphi na uhlengahlengiso okanye ukwenziwa ngokwezifiso.
1. Ukuthembeka kolwakhiwo:
Xa ukwandisa ukuphakama kokuvula okanye ukukhetha umnyango wegaraji yesiko, kubalulekile ukuqinisekisa ukuba ukunyaniseka kwesakhiwo segaraji kunokuxhasa ukuguqulwa.Naluphi na utshintsho ekuphakameni akufanele luphazamise ukuzinza okupheleleyo kunye nokhuseleko lwesakhiwo segaraji.
2. Iimfuno zokucoca:
Ukwandisa ubude bokuvulwa kuya kufuna ukugqithiswa kweminyango yegaraji.Ngenxa yokuba iingcango zegaraji zihamba kwiindlela, zifuna umlinganiselo othile wokukhutshwa ukuze zisebenze kakuhle kwaye zikhuselekile.Qinisekisa ukuba ukuphakamisa umnyango akudluli i-headroom ekhoyo okanye ukuphazamisa umsebenzi womnyango.
Ukuqukumbela, ngelixa i-theory inokwenzeka ukuba umnyango wegaraji ube mde kunokuvulwa, ukufezekisa oku kufuna uqwalaselo olucokisekileyo, ubuchule, kunye nokuguqulwa kunokwenzeka kwisakhiwo segaraji.Kucetyiswa ukuba udibane nomfakeli othembekileyo wocango lwegaraji okanye ikontraka eqeqeshiweyo ukuxoxa ngeemfuno zakho ezithile kwaye umisele eyona ndlela ifanelekileyo yokwenza.Khumbula, ukuqinisekisa ukhuseleko, ukusebenza, kunye nentembeko yesakhiwo segaraji yakho kufuneka ibe yeyona nto iphambili.
Ixesha lokuposa: Jun-30-2023