Izinketho Zobubanzi

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Ikhasi lasekhaya

Isingeniso sezinketho kanambambili

Izinketho kanambambili Okuyisisekelo

Imiqondo Eyinhloko

Izinhlobo zezinketho kanambambili


Kanambambili ongakhetha zokuhweba

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Ukuvula nokuvala ukuhweba

Izinkomba nokuhlaziywa kwemakethe

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Izinketho zobubanzi ziwuhlobo lwenketho kanambambili evumela abahwebi ukuthi benze inzuzo uma intengo yempahla eyisisekelo ihlala phakathi kwebanga elinqunywe kusengaphambili noma ileveli yenani. Lokhu kusho ukuthi abahwebi bangazuza ekuntulekeni kokuntengantenga kwemakethe ngokubikezela ukuthi intengo yempahla izohlala ngaphakathi kwebanga elithile phakathi nesikhathi esishiwo.

Izinketho zobubanzi zisebenza ngokusetha amazinga entengo amabili, umkhawulo ophansi nongaphezulu, lapho intengo yempahla eyisisekelo kufanele ihlale phakathi nokuphila kwenketho. Uma inani lempahla lihlala ngaphakathi kwalolu banga kuze kuphele isikhathi senketho, umhwebi uthola inkokhelo, ngokuvamile ephakathi kuka-70% no-90% we-investimenti yokuqala. Nokho, uma intengo yempahla ihamba ngaphandle kwebanga elinqunywe kusengaphambili nganoma isiphi isikhathi phakathi nokuphila kwenketho, umhwebi ulahlekelwa utshalomali lwakhe.

Izinketho zobubanzi zingaba usizo ezimweni lapho umhwebi ekholelwa ukuthi intengo yempahla izohlala izinzile esikhathini esithile. Lokhu kungaba inzuzo ikakhulukazi ezimakethe eziguquguqukayo, lapho izinketho zendabuko zingaba yingozi kakhulu. Izinketho zobubanzi zingasetshenziswa futhi ngokuhambisana namanye amasu, afana nethrendi elandelayo, ukuze kuthuthukiswe amathuba okuhweba ngempumelelo.

Kubalulekile ukuqaphela ukuthi izinketho zobubanzi, njengazo zonke izinketho kanambambili, zithwala izinga eliphezulu lobungozi, futhi abahwebi kufanele batshale kuphela lokho abakwazi ukukukhokhela. Njenganoma iyiphi ithuluzi lezezimali, abahwebi kufanele benze ucwaningo olunzulu nokuhlaziya ngaphambi kokwenza noma yiziphi izinqumo zokutshala izimali.

Izinketho zobubanzi, ezaziwa nangokuthi izinketho zemingcele, ziwuhlobo lwenketho kanambambili lapho abahwebi babikezela ukuthi intengo yempahla izohlala phakathi kwebanga elithile noma iphume kuyo. Ububanzi buchazwa umngcele ongaphezulu nophansi, futhi abahwebi kufanele banqume ukuthi intengo izohlala ngaphakathi kwale mingcele noma idlulele ngaphandle kwayo.

Isibonelo, ake sithi umhwebi ukholelwa ukuthi intengo yegolide izohlala phakathi kwebanga elithile lika-$1,800 ukuya ku-$1,820 iwunsi ngayinye ngehora elilandelayo. Umhwebi angabeka uhwebo lwenketho yobubanzi ngesikhathi sokuphelelwa yisikhathi sehora elilodwa, ekhetha imingcele engaphezulu nephansi ngokufanele. Uma intengo yegolide ihlala phakathi kwebanga ngesikhathi sokuphelelwa yisikhathi, ukuhweba kuzobhekwa njengemali, futhi umhwebi uzothola inkokhelo. Kodwa-ke, uma intengo ihamba ngaphandle kwebanga elikhethiwe, ukuhweba kuzobhekwa njengokwemali, futhi umthengisi uzolahlekelwa yimali ayitshalile.

Izinketho zobubanzi zidumile phakathi kwabahwebi abakhetha isipiliyoni sokuhweba esingaguquguquki kangako, njengoba benikeza inzuzo engaguquki kanye nesilinganiso esicacile sobungozi bomvuzo. Angathengiswa ngezimpahla ezihlukahlukene, okuhlanganisa izimali, izimpahla, nezitoko.




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