Uninzi lwabuqhetseba obwenziwe ngugqirha ngemicimbi yabo emnyama kunye neentropati ziye zaziwa. Uqhawulo oluthile lomntu kunye nokungafuni ukuhlawula imali ngokuqhelekileyo kubakhokelela abantu. Okanye abantu abafika nje kule ndawo okanye kuloo mzi bangaba lixhoba labaphangi kwaye yingako basengabhekanga kakuhle kwiimeko zexabiso. Ukuba umntu unikezwa ukuthengwa okuncinci kwendlu, kodwa kufuneka uhlawule imali engaphambili kwaye ukhawuleze ngokuthengiswa kwempahla, ngoko kwimeko enjalo kufuneka uqaphele.
Kodwa, nangona kunjalo, unokunikela ukuba uthenge nayiphina impahla kwixabiso eliphezulu. Ngamanye amaxesha kukho imeko apho umthengi enikezelwa ukugqiba isivumelwano esithile kunye ne-arhente, apho ungathengisa khona ipropati yakho ngamanani amaninzi amaxesha angaphezulu kwexabiso lemarike.
Ngokugqithiseleyo konke oku kuphelisa ngento yokuba i-arhente emva kwexesha iqala ukunikela ngokunciphisa kakhulu intengo ye-propati ngenxa yokuntuleka kwabathengi, kwaye ukunciphisa intlawulo kuyimfuneko ukuze ungaphuli ixesha lakho elixabisekileyo. Kodwa njengokuba lobuqhetseba kwizenzo zeejensi alunjalo, kuba ngale ndlela banokukhanga abathengi abaninzi ngangokunokwenzeka ngezithembiso zabo zobuxoki. Yazi ukuba akunakwenzeka ukuthengisa ipropati yakho ye-20% ephakamileyo kunexabiso lemarike, kwakunye nokuthenga indlu kwindawo esaphulelo. Ukuba ufumene isiphakamiso sokwenza loo nto, ngoko kufuneka uqaphele kule meko, njengoko abathengi bepropati yakho bayazi ixabiso lemali kwaye abafuni ukugqithisa, nangona kunjalo, njengokuba awufuni ukulahlekelwa.
Kwiminyaka embalwa edlulileyo, inkqubo enjalo yokukhwabanisa kwepropati njengepiramidi yezempahla kwiindawo ezithengiswayo eziqhelekileyo yayidume. Kodwa, nangona ukuba ipiramidi enjalo yaba negalelo ekubhubhiseni kwabantu abaninzi kwiminyaka engama-90, kodwa yayikholelwa ngokuphucula ngokukhawuleza kubantu.
Iipramramid zemali kwiindawo zokuthengisa ezithengiswayo zisebenza ngendlela efanayo nepramramid yemali eyaziwayo ye-MMM, kwaye iboleka isicwangciso somsebenzi kwintsimi yokuthengiswa kwenethiwekhi. Le piramidi yezemali kwi-estate estate iyasetyenziswa ngolu hlobo lulandelayo. Umxhasi unikezelwa ukuthenga i-real estate nge-30% kuphela yexabiso layo, kodwa kukho imeko enye kwaye ukuba umthengi ofanayo kufuneka avelise abantu abambalwa abaya kwenza isivumelwano kunye nezimo ezifanayo. Ngamanye amaxesha isicwangciso sisebenze, ngoko ke xa ulapha kule piramidi kuqala, ngoko unokuthenga i-estate, kodwa kaninzi akukho mntu ufumana nantoni na. Kwaye kufuneka uqonde ukuba akukho mntu uza kubuya ukuhlawula kwakho okokuqala. Ngaphandle koko, akulula ukufumana abantu abavuma ukujoyina ipiramidi.
Enye indlela eqhelekileyo yokukhwabanisa kukubukwa kwendawo yokukhetha imali. Ngokuqinisekileyo, akukho mntu uya kunika umthengi wezindlu indawo eyithengiswayo, kodwa umbuzo uhlala uvulekile, unokufunda njani "ngeenkonzo zengcaciso"? Kwaye ngoko abaphathi bezabelo bavumelana nomthengi ukuba ukuba u-realtor ufumene ukhetho olufanelekileyo kwaye olufanelekileyo, ngoko imeko leyo umthengi unyanzelekile ukuba ahlawule umvuzo kumthengisi wakhe ohamba phambili.
Okokuqala into yonke iyahamba kakuhle, u-realtor ufumana umthengi ithuba elihle, umnini-mhlaba uyavuma ukuwuthengisa, umthengisi womthengi ufumana umvuzo ohloniphekileyo, kodwa emva koko loo nto iphulaphule isizathu esingaziwa. Kwaye emva koko, umthengi ufumanisa ukuba, ukugweba ngesivumelwano esiphethweyo, imali umlawuli we-realtor oyalelwe ukuba akakwazi ukubuyela kuyo, okanye umqeshwa weejensi ushiywe kwinqanaba elingaziwa. Ngokuqhelekileyo i-arhente inesivumelwano nomthengisi wezindlu, kodwa kwiimeko ezininzi kunzima ukubonisa.
Abathengi abanolwazi kunye nabaqeqeshi bancoma ukuba bahlawule umvuzo kubathengi babo kuphela emva kokupheliswa komthengi, njl. Ngamanye amaxesha i-agent yenkampani yendawo yokuhlala ibonisa umzekelo wento abathengi abavumelana ngayo nomthengisi kwaye ngenxa yoko umthengisi akafumani umvuzo, ngoko ke i-premium kufuneka ihlawulwe ngokukhawuleza, kodwa loo mazwi akufanele adibanise abathengi . Umthetho kwiqhinga elifanelekileyo, elisemthethweni, elibala kunye nelisemthethweni, ngoko kwiimeko ezinjalo, umngcipheko uncitshisiwe, kwaye ukuba ulahlekelwa yimali, ngoko kwindleko encinane.
Unokuzikhusela njani kwi-scammers? Kukho uluhlu olukhulu lweengcebiso. Ukuba umthengi usenokugqiba ukusebenzisa uncedo lomthengisi, ngoko kukukhetha ukhetho, ukugweba ngeengcebiso zabahlobo okanye abaqhelana nabo. Umthengisi othembekileyo okanye umthengisi osebenze kwimarike yeempahla kwiminyaka emininzi, wenza umsebenzi wakhe kakuhle kwaye unembeza, iinzuzo zaloo mthengisi ziza kuba zikhulu kunabasebenzi beenkampani ezithengiswayo kunye neenkampani ezizinzile.
Kukwafanelekile ukuba uqaphele xa uza kuthenga i-real estate kwixabiso eliphantsi okanye eliphezulu kunexabiso lemarike.
Kwakhona, umthengi makaqaphele kakhulu xa ehlawula phambili, ngokuba ngokwemvumelwano, ukuba ukuhlawulwa kwangaphambili kuhlawulwa, kodwa ukuthengiselana akukwenziwanga, ke akukho bani uza kubuyisa imali kuwe. Ukuba uyayinyamekela kwaye isondela ngokufanelekileyo kubhaliso lwe-transaction kunye ne-real estate, ngoko unokuzikhusela kumanani amaninzi abenzi be-scammers.