Ukuba nendlu kunye nomhlobo
Ubunini-ndawonye kwenzeka xa abantu ababini bethatha isigqibo sokuthenga ipropati kunye. Eyona meko ixhaphakileyo kuxa izibini ezitshatileyo okanye ezingatshatanga zithenga indlu kunye, kodwa ubunini bokubambisana bunokwenzeka kwakhona xa abahlobo okanye izalamane zigqiba kwelokuba zithenge indawo kunye.
Ukuba bangabanini-ndawonye bepropati, bobabini baya kuba ngabanini bepropati yonke. Umntu ngamnye kuni akayi kuba nenzala eqinisekisiweyo kwipropati kwaye awuyi kukwazi ukushiya nayiphi na inxalenye yepropati kumyolelo wakho. Ukuba bathengisa indlu, imveliso yentengiso iya kwabelwana nge-50%.
Ekufeni komnye wabanini, isabelo sabo ngokuzenzekelayo sidlula kumnini oseleyo, kungakhathaliseki ukuba kukho okanye akukho myolelo. Abathengi abathathela ingqalelo ubunini bokubambisana kufuneka baqwalasele ukuba ngaba yiloo nto bayifunayo okanye abayidingayo.
Kwimeko apho bobabini abaqashi bafa ngaxeshanye-umzekelo, kwingozi yendlela-, ubunini bekhaya budlula kwizalamane zomncinane. Oku kungenxa yokuba umthetho ucingela ukuba oyena mdala kubaqeshwa uya kufa kuqala, ngoko ke umnini-qabane omncinci uya kufumana isabelo sakhe. Ukuba ke oyena mncinane wabaqashi-ndawonye naye uyafa, le nxalenye idluliselwa kwizalamane zomncinane, mhlawumbi ngenxa yentando yakhe okanye, ukuba akukho ntando, ngenxa yemithetho yokuphila. Kule meko, ubukho bomyolelo abutshintshi imodeli yelifa.
Umnini-ndlu-qabane akafuni kuhlawula
Xa ucinga ngamagama angaphezu kwelinye kwisicelo semali mboleko, mhlawumbi ucinga ukuba sisibini esitshatileyo. Nangona kunjalo, baninzi abanye abantu abangena kunye ekuthengeni ikhaya: abantakwabo, abazali nabantwana, intsapho eyandisiweyo, izibini ezingatshatanga, kunye nabahlobo. Oku kwaziwa kwishishini njenge-mortgage edibeneyo.
Icala lelokuba ukwabelana ngomthwalo wemali mboleko yendlu kunokwenza ukuthenga kwekhaya kufikeleleke kwabo basenokungakwazi ukuzenzela ngokwabo. Nangona kunjalo, ukuthatha isibophelelo esikhulu kwaye esintsokothileyo njengokwabelana ngendlu kunye nemboleko-mali kubeka isibophelelo semali sexesha elide kwelinye, ke qiniseka ukuba uzilungiselele ngokupheleleyo phambi kokuthatha imali-mboleko edibeneyo.
Sifikelele kuMike Venable, iNtloko yabaSebenzi kwi-TD Bank[1] ngeengcinga zakhe malunga nokwabelana ngekhaya kunye nokunceda ugqibe ukuba lukhetho olufanele ukuphononongwa. Ukongeza, siza kuchaza ezinye zeendlela ezilungileyo xa ufunda ukuthenga ikhaya elinabanini abaninzi.
Ukuhlala ngokudibeneyo kuya kubangela ukungalingani kwepropati. Endaweni yokwahlula ilifa ngokulinganayo, ubunini obuqhelekileyo babela iipesenti zobunini bezindlu ngokusekelwe kwinto etyalwa ngumntu ngamnye kuyo.
Ukuba ngumnini-ndlu kunye, yintoni amalungelo am?
Ukuba ufuna ukuthenga ikhaya lakho, kodwa awukwazi ukulihlawula ngaphandle koncedo, ungakhetha ubunini-ndawonye. Uthenga inxalenye yekhaya kwaye enye urente kuBunini-Bantu, umbutho wezindlu obhalisiweyo.
Uhlawula irenti ngenxalenye yendlu oyeyakho. Umzekelo, ukuba ngaba ungumnikazi we-75% yepropati, uhlawula irenti ye-Co-Ownership yama-25%. ISebe loLuntu (DfC) limisela irenti kunye nokonyuka kwerenti.
Uthenga inxalenye yepropati onokuthi ube nako ukuyihlawula. Unoxanduva lokwenza iintlawulo. Ukhetha umbolekisi kwaye ulungiselele i-mortgage. Ubunini-ndawonye abuyifuni idipozithi yepropati, kodwa umbolekisi wakho unako.
Ubunini-ndawonye bendlu nabazali
Kuyacaca ukuba inkqubo yokuthenga ikhaya yinto enkulu. Uninzi lwabantu abaza kuba ngabaninimzi bayazi ukuba ukuthenga ikhaya lelinye lawona manyathelo makhulu emali umntu oqhelekileyo aya kuwenza ebomini bakhe.
Xa abaqashi-ndawonye benelungelo lokuqhubeka bephila, oko kuthetha ukuba izabelo kwipropati yomnye wabaqeshwa zithunyelwa ngokuthe ngqo kum(aba)hlalisane abasaphilayo ekufeni kwabo. Nangona ubunini bezindlu kwabelwana ngabo ngokulinganayo ebomini, abanini baphilayo bafumana ubunini obupheleleyo bezabelo zabangasekhoyo abanini-ndawonye.
Masithi, ngokomzekelo, isibini esitshatileyo sithenga indlu size siyithathele phantsi ngolu bizo. Ngethuba bobabini abanini-ndawonye besaphila, i-JTWROS ithetha ukuba bobabini banamalungelo alinganayo kwipropati. Akukho namnye kuni onokuthengisa indlu okanye abeke naluphi na uhlobo lwemali-mboleko kuyo (njengemali-mboleko) ngaphandle kwemvume yomnye umnini.
Lithetha ukuthini "ilungelo lokusinda"? Kwi-JTWROS, ubunini bugqithiselwa ekufeni. Xa omnye wamaqabane esifa, umdla wabo kwipropati ngoko nangoko udlulela kwiqabane elisaphilayo. Ayizi kuhamba kwinkqubo yokulandelelana kwaye ayinakushiyelwa nayiphi na indlalifa.
