Uyifumana nini itayitile yendlu?
Xa uthenga umhlaba, itayitile okanye ubunini bugqithiselwa kuwe busuka kumthengisi. Ukuba ufumana imali-mboleko, imali-mboleko yokubambisa okanye imali-mboleko oyithabathayo ukukunceda uthenge indlu nayo kuya kufuneka ibhaliswe. Mininzi eminye imibandela eza kufuna ingqalelo.
Le nkqubo ibonelela ukuba inkampani okanye iinkampani ozikhethileyo ziya kukunika uqikelelo olubhaliweyo lwemirhumo yazo yobuchwephesha ukuze uthenge lula, ukuba iimpendulo kuluhlu lwemibuzo oluthi 'Fumana uqikelelo' lubonisa ukuba ukuthenga kwakho kungalula.
Isicatshulwa sinokuba sezinga elithile okanye sisekelwe kwixabiso leyure. Ukuba ikowuti isekelwe kumlinganiselo weyure, uya kunikwa uqikelelo lwenani lilonke leeyure ezinokuthi zichithelwe yifemu ekuthengeni kwakho.
Okwangoku, wena, umthengi ocetywayo, unokungazi iinkcukacha ezininzi malunga nepropati. Umzekelo, usenokungazazi iimvume zokucwangcisa ezikuchaphazelayo. Ukuba u-odola inkampani kwaye ifumana ulwazi olucacileyo malunga nepropati kumthengisi, umsebenzi unokuba nzima kunokuba ulwazi lwayo lokuqala lubonisiwe.
Ndingayifumana njani ikopi yetayitile ekhayeni lam?
Kumaxesha amandulo, umhlaba wawufuduswa ngesenzo somsitho owaziwa ngokuba yi "livery of seisin," apho umntu ohambisa umhlaba wayegqithisa isetyana okanye igada lengca elisuka kumhlaba ukuya kumntu owamkelayo.
Iitayitile zikwahlelwa ngokohlobo lwesiqinisekiso setayitile esibonelelwa ngumnikezeli. Amaxwebhu ewaranti ngokubanzi abonelela ngelona nqanaba liphezulu lokhuseleko kumthengi, ngeli lixa amabango okuyeka ukubanga athande ukubangowona mancinci.
Itayitile yokuyeka isoloko isetyenziselwa ukutshintshela ipropati phakathi kwamalungu osapho okanye ukulungisa isiphene kwisihloko, esifana nokupelwa kakubi kwegama. Nangona zixhaphakile ngokwentelekiso kwaye uninzi lwee-arhente zezindlu nezindlu zinamava kuzo, zihlala zisetyenziswa kwiintengiselwano apho amaqela azisanayo kwaye ke ngoko kunokwenzeka ukuba amkele imingcipheko enxulumene nokunqongophala kokhuseleko lomthengi. Zisenokusetyenziswa kwakhona xa ipropati idluliswa ngaphandle kokuthengiswa, oko kukuthi, xa kungekho mali ibandakanyekayo.
Kuba amaxwebhu okuyeka ibango anikezela ngokhuseleko lomthengi olunyiniweyo, kubalulekile ukuqonda ngokuthe ngqo ukuba ufumana ntoni xa uthenga umhlaba ngale ndlela. Nazi izinto ezintlanu onokuzazi ngezi zivumelwano.
Ngaba ndiyayifumana isiqinisekiso sendlu yam xa kuvalwa?
Nangona uya kuba nenxaxheba encinci kakhulu kukhangelo lwesihloko okanye kwisisombululo, kubalulekile ukuba ne-inshurensi yetayitile. Ukuqonda inkqubo kunokukunika uxolo lwengqondo ngexesha lokuthenga ikhaya.
Umphandi wesihloko ukhangela nawaphi na amabango kwisihloko anokuchaphazela ukuthenga kwakho. Ukukhangela kuya kubandakanya iirekhodi zoluntu kunye nezinye iirekhodi zepropathi ezithatha iminyaka emininzi. Ungothuka kukufunda ukuba ngaphezulu kwesithathu salo lonke uphendlo lwesihloko lutyhila uhlobo lwengxaki. Ezi zezinye zeengxaki eziqhelekileyo:
Uphendlo lwesihloko lukwabonelela ngolwazi kwi-easements, izithintelo, kunye namalungelo endlela anokunciphisa ukusetyenziswa kwakho kwepropati. Nceda ujonge la maxwebhu ngaphambi kokuba uvale ukuze uqinisekise ukuba uyawaqonda naziphi na iimpembelelo ezinokubakho.
Xa uthengisa ipropati yakho, itayitile yepropati idluliselwa kumthengi. Eli qela liza kufumana ikopi yesihloko esitsha kwiiveki ezimbalwa emva kokuvala, lichaza ukuba ngoku lingabanikazi bepropati kwaye awusenawo nawaphi na amalungelo kuyo. Isihloko osiphetheyo ngoku asisebenzi.
Ingaba ndingawuthengisa umzi wam ngaphandle kwetayitile?
Ukuba ipropati yakho ibhalisiwe kunye noBhaliso loMhlaba, awudingi maphepha okuqinisekisa ubunini bakho kwaye uthengise ikhaya, njengoko iRejistri iyirekhodi eqinisekileyo yobunini bomhlaba kunye nepropati eNgilani naseWales. Baya kuba nakho ukunika ulwazi olufunekayo ukugqiba ukuthengisa ikhaya lakho.
Inani leepropati ezingabhaliswanga zisekho (malunga ne-14% yeepropati ezikhululekile eNgilani naseWales). Oku kuyinyani ingakumbi kwiipropati ezingekabolekwa okanye zithengiswe ukususela ngo-1990.
Inketho yokuqala kukukhangela imibhalo yokuqala. Qhagamshelana negqwetha okanye i-arhente yepropathi obuyisebenzisileyo xa wena (okanye umnini, ukuba usebenzela omnye umntu) uthenge ipropati, njengoko basenazo iikopi zetayitile efayilini. Kwelinye icala, ukuba wathatha imali-mboleko xa wawuthenga ipropati, uxwebhu lusenokubanjwa ngumbolekisi wakho wokuqala, okanye umbolekisi wakho wangoku ukuba emva koko uye wabambisa. Ukuba unempahla ilifa okanye uthengisa ipropati ngomyolelo, igqwetha elibhale umyolelo womntu oswelekileyo linokuba nalo.
