Ukulungiselela ukuya kwiskimu somhlalaphantsi akukho lula njengokuthengisa ikhaya lakho, ukupakisha iibhokisi kunye nokuhamba ungene kwindawo entsha. Kule mihla kukho iindlela ezahlukeneyo zokuthenga ezifumanekayo, eyona nto iphambili yeyokuba ngumnini wetayitile yobunini kunye namalungelo obomi. Ukukhetha enye okanye enye kuya kufuneka kube sisigqibo esineenkcukacha njengoko ezi zinto zingumthetho ohlukileyo.
Ukuba inkqubo yokuthatha umhlala phantsi inika ithuba lokuthenga iitayitile zecandelo kwisikimu, umthengi ophinda ayifumane iya kuba ngumniniyo ngokomthetho. Oku kuza nenzuzo umniningokomthetho unikezwe intetho kulawulo lweskimu. Ikulungele kwakhona njengethuba elide lotyalo mali elihlala lihambelana nokwehla kwamandla emali kwaye elivumela ukukhula kwemali. Ukuthenga icandela lwetayitile yecandelo kunokubaneendleko, kodwa ikwanenzuzo yokuba yimali yexabiso enokusetyenziswa njengoko unqwenelela.
Ukuthenga ilungelo lobomi kwahluke ngokupheleleyo-kwaye ngumxholo uninzi lwabemi boMzantsi Afrika abangawuqondi ngokupheleleyo. Kwenziwa, isivumelwano sisoloko sibandakanya oku kulandelayo(kodwa zininzi izinto ezahlukeneyo):
- Umthengisi (nokuba ngumvelisi okanye ungumnini weyunithi kwisikimu) unika umthengi ilungelo lokuhlala kwindawo yokuhlala ixesha lonke lokuphila komthengi, kunye namalungelo okusebenzisa nokonwabela amaziko eendawo zokuhlala kwiskimu; kwaye
- Ixabiso elahlawulelwa ngumthengi lihlala (kodwa alisoloko) liyimboleko-engahlawulelwayo.
Umzekelo: Yenza ngathi ixabiso lokuthenga yi-1 yezigidi: Isivumelwano sizakuchaza ukuba umthengi uhlawula imali kumthengisi onokuthi ayisebenzisi njengoko yena (mthengisi) ecinga ngcono, kodwa ngokuvuma ukuba imali mboleko, ekupheleni kwesivumelwano ( xa umthengi edlula emhlabeni okanye esiphelisa isivumelwano), kuya kuhlawulwa ngokupheleleyo okanye ngenxalenye kumthengi okanye kwilifa lakhe, njengoko kufanelekile. Okanye, kungavunyelwana ukuba i-80% okanye i-90% zexabiso lemalimboleko engummiselo iya kubuyiselwa kumthengi emva kokupheliswa. Enye indlela kukuvuma ukuba isixa semali ekufuneka ihlawulwe kumthengi iya kubalwa njengesixa semali mboleko kuthatyathwe iindleko zenyanga (mhlawumbi i-R1000) kwinyanga nganye ethenga umthengi kuyo.
Ukufunyanwa kwamalungelo obomi maxa wambi kubiza ngcono kunokuthenga iyunithi yetayitile yecandelo kwaye akubandakanywa iindleko zokudlulisa kunye nokudlulisela, iindleko ezo zinokuthi zihlawulwe xa kufunyanwa icandelo lesitayitile yeyunithi. Kubalulekile ukuba uqhaphele ukuba ukhetho lobomi ayilulo utyalomali kumhlaba esisisigxina kwaye ngenxa yoko ayisiyi-mpahla(asset) ekhula ngexabiso.
Xa ujonga kuqikelelo lomhlala-phantsi kungcono ukubonisana negqwetha malunga nokuba yeyiphi eyona ndlela ilungele indlela yakho yokuohila kunye nezicwangciso zomhlalaphantsi.
