Is jy reg vir huiskoop?

2017-08-10 06:03

Baie mense wil graag ’n eiendom koop, maar hoe weet jy dat jy reg is vir dié groot stap? FNB sê as jy aan die volgende vereistes voldoen, kan jy jou droomhuis begin soek.

1. Jy het ’n stabiele inkomste

Banke wil weet dat jy elke maand jou lening kan betaal.

2. Jy weet wat jy kan bekostig

Die meeste banke bied aanlyn sakrekenaars waarop jy kan uitwerk hoeveel jy kan leen op grond van jou inkomste. Jy moet egter self besluit of jy dit op lang termyn sal kan bekostig.

3. Jou kredietgeskiedenis

’n Goeie ­kredietgeskiedenis gaan nie net vir ’n bank wys jy betaal jou skuld nie, jy sal ook moontlik vir ’n beter rentekoers kan onderhandel.

4. Jy het vir alle uitgawes van ’n eie eiendom begroot

Dit sluit in water en elektrisiteit, erfbelasting en ander dienste, versekering en geld vir basiese instandhouding.

5. Ekstra spaarrekening vir onvoorsiene instandhouding

Jy moet ekstra kontant beskikbaar hê om enige bybetaling van versekering-eise te dek.

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