21 Februarie, 2013
Wenke vir die gebruik van sement
Tips for first time buyers
In die tyd toe Jesus geleef het, was sement reeds in gebruik. Vandag is sement steeds een van die belangrikste bestanddele wanneer dit by bouwerk kom. Natuurlik het tegnologie oor die afgelope 2 000 jaar baie verander en deesdae kry ’n mens verskillende soorte sement vir spesifieke boutake. Hier is handige wenke vir die veilige berging en gebruik van sement: ) Wanneer ’n mens met sement werk, moet dit veilig gehanteer en vervoer word. Werk versigtig met sementsakke wanneer jy hulle op- en aflaai. Buig jou knieë wanneer jy ’n sementsak optel en dra dit heuphoogte of op jou skouer. Wees versigtig om nie sementsakke van ’n hoogte te laat val nie omdat dit die sement kan verswak. Steen vir steen word die stuktuur stewiger met die “gom” ) Moenie sementstof in- wat reeds 2 000 jaar gelede deur die Egipenare gebruik asem nie. Dit is sleg vir jou is. FOTO: TORANGE.BIZ longe en kan chemiese brandwonde aan die vel en oë veroorsaak. Dra al- dit binne drie maande, aangesien die produk tyd ’n stofmasker, waterdigte handskoene en oud raak en jou bouwerk sal verswak. ) Meng sement deeglik wanneer dit aange-stewels, ’n langmouhemp, langbroek en oogbeskerming wanneer jy met sement werk. maak word om swak plekke in jou struktuur ) Voor jy sement vervoer, moet jy seker te voorkom. ) Moenie ander produkte, soos kunsmis, maak dat daar nie enige voorwerpe in jou gipsprodukte of kos saam met sement stoor voertuig is wat die sakke kan skeur nie. ) Bêre sement op ’n droë plek en gebruik nie. (Bron: Cashbuild)
Most dream of owning their own home, but with so much economic uncertainty and the stringent mortgage credit criteria, it may seem daunting, says Seeff chairman, Samuel Seeff. This need not be the case, provided that you do your homework and buy smart. Start small and grow with your needs, he says, but buy sooner rather than later. The upside of the economic down-turn is that the historic flat interest rate and house prices look set to hold into 2013, making home ownership more affordable than in over three decades. According to mortgage originator ooba there is a willingness to buy amongst first timers and it reports a year-onyear growth with more than half of its applications falling into this category. Before shopping for your new home, find out what you can actually afford; how much mortgage finance you qualify for and how much cash funds you will need for the costs associated with buying a property. Aside from a good credit record, the general rule is that your bond repayments should not exceed 25% to 30% of your gross monthly earnings. Transactions costs can add up to 20% of the value of the property. Be sure to also budget for moving and electricity and other deposit costs and allow for potential short-term utility cost hikes and other expenses in your monthly budget. While home buying is more about security than investment returns, Seeff says that it is nonetheless important that buyers ensure that they pay fair market value. Research the market values in the street and suburb and whether there is room for improvement of the property. Factors such as security, travelling time and costs, access to main arterials and facilities such as shopping, medical care and schools will all play a role when selecting the area.
The type of property will depend on how much free time you have for garden maintenance for example. A convenient lock-upand-go apartment or townhouse, perhaps in a complex with communal gardens and a swimming pool may be a better choice. On the other hand, you can generally pick up good value and more space by buying an older home, but it will likely require renovation. Guard against potential over-capitalising by keeping improvements and costs in line with the potential capital growth gains. Know what you are buying. Inspect the property carefully before putting pen to paper, he says. Check aspects such as building, electrical and plumbing compliance, damp and leakages and the swimming pool and roof structure. Negotiate repairs as part of the suspensive conditions of the offer to purchase. The global economic crisis has highlighted the need for deposits as this creates a vital equity buffer against financial difficulty or should you need to sell for whatever reason, he says. Although the average deposit requirement is between 10% and 15%, Seeff recommends that you aim for 20%. Bond originators such as ooba work with the major banks and assist buyers with multiple applications and interest rate negotiations. Deciding whether to fix or float your interest rate depends on your financial preference. A fixed rate will be higher than the prevailing rate, but creates a buffer against future hikes. A floating rate though could provide significant savings in the short term. Speak to a financial expert before making the final decision, he says. Seeff recommends that you invest any spare cash in your bond as this will result in significant interest rate savings. Aim to pay your home loan off as soon as you can as this will create security and stability in the long term.