Mhlawumbi ukuthenga umzi lolona tyalo-mali lukhulu nolona
lubalulekileyo uya kuze ulwenze.
Xa uyifumana indlu ofuna ukuyithenga yaye ngaphambi
kokuba usayine nasiphi na isivumelwano sokuthenga (ekudla
ngokubhekiselwa kuso maxa wambi ngokuthi ‘yiOffer to
Purchase’), landela la manyathelo alandelayo:
• Yihlolisise indlu leyo. Buza ngophahla, iigatha, iintambo
zombane, isiseko njalo njalo. Ukuba unamathandabuzo,
cela ingcali ukuba ikuhlolele indlu leyo. Ukuba kukho
amakhwiniba, bhala kwisivumelwano sokuthenga ukuba
ziza kulungiswa ngumthengisi ngemali yakhe.
• Ngaphambi kokutyobela isivumelwano sokuthenga, nika
igqwetha lakho olu xwebhu ukuze liluhlole. Buza ngayo
nantoni na engacacanga.
• Buza ngazo naziphi na iindleko ezongezelelekileyo,
njengentlawulo yeenkonzo neendleko zokuyidlulisela
komnye umntu – igqwetha lakho liya kukuphendula.
Onke amalungiselelo nezithembiso ziyinxalenye yekontrakti
ebhaliweyo. Akunakubophelela mntu ngesivumelwano
somlomo. Uxwebhu olusayinwe nguwe lwaza lwamkelwa
ngumthengi lunokuba sisivumelwano esibophelelayo.
• Qiniseka ukuba unemali eyaneleyo. Ukuba ufuna inkxasomali
(bond) funa imali eza kugubungela iindleko okanye
ukuhlolwa kwendlu nokubhaliswa kwayo – igqwetha lakho
liya kukuxelela ngale nto.
• Ukuba akuqinisekanga enoba uya kuyifumana imali
ebolekisayo ukuze uhlawulele indlu okanye ezinye iindleko,
ukuthenga kwakho indlu makulinde imali-mboleko.
• Qinisekisa ukuba isivumelwano sokuthenga senza ukuba
kube lula ukufumana isatifikethi esisebenzayo ngeendleko
zomthengisi kumaphondo aseKapa nakwaZulu-Natal,
kwakunye nesatifiketi sokuvumelana (certificate of
compliance) ngenxa yokufakelwa kombane kuwo onke
amaphondo.
• Ngaba umthengisi ufuna idipozithi kwimali athengisa ngayo
indlu? Ukuba kunjalo, lungiselela ukuba intlawulo igciniswe
naliphi na igqwetha yaye igcinwe ikhuselekile kwiakhawunti
yokonga imali de indlu ibe segameni lakho. Ngesivumelwano