Ngokwahlukaniswa kwemizimba asitshatanga mna ndine mortgage?

Uqhawulo-mtshato lwaseJamani

Ngenjongo yale nxalenye, omnye wabantu abadala ababini (abesini esifanayo okanye abesini esahlukileyo) abahlala kunye njengesibini kulwalamano olusenyongweni noluzinikeleyo kwaye abangazalaniyo kubudlelwane obungavumelekanga. yaye abatshatanga okanye baliqabane lokwenene lelinye.

Xa useka ilungelo lokunyuka ngokumalunga nesibini, kuya kumfaki-sicelo ukuba abonise ubungqina obanelisayo obubonisa ubukho bokuhlalisana. Kwamanye amatyala adwelisiweyo, apho ilungelo linokuvinjwa, lithintelwe okanye lirhoxiswe, liSebe ekufuneka linike ubungqina bokubakho kokuhlalisana.

Kufuneka kuqatshelwe ukuba xa ulwazi olongezelelweyo lunikezelwa kwixesha elizayo, umzekelo xa ityala libhenelwa kwingxoxo yomlomo, olu lwazi alukwazi ukuqwalaselwa, ekubeni umxhasi wayengenalo ithuba, phantsi kwemigaqo yobulungisa bendalo, phendula kolu lwazi.

Umtshato / ubudlelwane boluntu busekwa njengobudlelwane obuzinzile kwaye ngoko ke xa uthatha isigqibo sokuba ngaba isibini sihlala kunye njengendoda nomfazi / ubudlelwane boluntu, ukuzinza kobudlelwane babo kufuneka kuthathelwe ingqalelo.

impahla yomtshato

Ikhaya losapho ngokungathandabuzekiyo lelona xabiso lixabisekileyo le-asethi isibini esiqokelelana ngexesha lobudlelwane baso. Kwimeko yezibini ezingatshatanga, ukukwazi komntu ngamnye ukubanga ikhaya ngokwemali kuya kuxhomekeka kwindlela abenegalelo ngayo kulo ngokwemali. Oku kuquka ukuba ngaba bangabanini kunye nokuba umntu ngamnye ube negalelo elingakanani ekuthengeni, ekubolekisweni okanye ekulungisweni kwekhaya.

Oku kunokuchaphazeleka ukuba kukho abantwana abahlala ekhaya, kuba kusafuneka bahlangabezane neemfuno zabo zezindlu. Kwezi meko, iNkundla iya kunika umzali nabantwana babo kuphela ilungelo lokuhlala ekhaya ukuba igqiba kwelokuba oko kubalungele abantwana. Oku kudla ngokuba lixesha eliqingqiweyo okanye de umntwana omncinane abe neminyaka eli-18 ubudala.

Yindlela yokwenza ukuba inkundla iwavume ngokusesikweni amagalelo athe umntu wawenza kweli khaya, nokuba akangomnini. Inkundla isenokuqwalasela nasiphi na isivumelwano esasinaso isibini xa sithenga indlu yokuba umntu ngamnye uya kuba nomdla kuloo ndawo ukuba ithengisiwe.

Uqhawulo-mtshato

Kwiimeko ezininzi impendulo yalo mbuzo nguewe, ukuba bekulikhaya lentsapho ngaxa lithile. Ukufaneleka koku kukuba, njenge-asethi yomtshato, ixhomekeke kumgaqo wokwabiwa (jonga i-Financial provision kumatyala oqhawulo-mtshato).

Xa kuxoxwa ngendlela yokusingatha amabango aso nasiphi na isibini kwimeko yoqhawulo-mtshato, inkundla (kunye negqwetha elicebisa ngaphandle kwenkqubo yenkundla) ilawulwa liCandelo lama-25 loMthetho we-Matrimonial Causes Act ka-1973. Lo Mthetho udwelisa imiba ethi inkundla kufuneka ithathele ingqalelo. Phezulu kolu luhlu ziimfuno zabantwana abangaphantsi kweminyaka eyi-18, zilandelwa ziimfuno zamaqela, izibonelelo ngamnye anazo ngokudibeneyo kwaye ngokwahlukeneyo, iminyaka yabo, impilo yabo, ubude bomtshato, kunye nenqanaba ubomi ababenabo kunye. "Umgaqo wokusasazwa" awukho kolu luhlu, kodwa yiglosi yomthetho kunye nomgaqo onokuthi usetyenziswe ngokungqongqo ngokungqongqo kwipropati yomtshato.

Abagwebi baye bayibeka yacaca kumatyala aliqela into yokuba indlu ebilikhaya lentsapho imele ithathwe njengempahla yomtshato nokuba yeyeqabane elinye okanye ngawo omabini amagama. Ukuba yeyomnye wamaqabane omtshato obenguye yedwa umtyali-mali kule propati, kusenokubakho impikiswano malunga nomnikelo oyinkunzi ongenakuthelekiswa nanto ovela kuloo mntu, kodwa inkundla ayinakwenzeka ukuba imke ngokuphawulekayo kumgaqo wokwahlulwahlulwa ngokulinganayo.

hlalani kunye ngaphambi komtshato

URuth K., umama wabantwana ababini oneminyaka engama-40 ubudala eKilifi County, wayetsala nzima ukuze azixhase. Ngo-2016, umyeni wakhe wamnyanzela ukuba ashiye ikhaya lomtshato kwaye wasala engenanto. Wathi: “Xa usebenzela into ethile [umtshato] iminyaka eli-10 uze uphulukane nayo yonke into ngokuqhwanyaza kweliso, kuba buhlungu gqitha. Andinamali. Andisosityebi njengaye [umyeni wam]. Ndiqala ngaphi kwaye ndiqala ngaphi?

Andinalo igama lam kuzo naziphi na iindawo esizithengileyo, nditsho naxa ndandicela umbutho wam [women’s financial group] ukuba ubolekwe ukuze uzihlawulele. Akazange [umyeni] andivumele ukuba ndibe negama lam kwisihloko. Wathi: 'Ndim indoda yendlu, into endinayo unayo. Ukuba ndinayo, unayo'. Ngokwesiko labo [amaKisii], abafazi abanakuba nanto egameni labo. Ngubani oza kundixhasa ukuze ndifumane isabelo sam? Ndindodwa.

NgokukaRuth K. kunye nabanye abafazi ekwenziwe udliwano-ndlebe nabo yiHuman Rights Watch, kwiimeko ezininzi apho umyeni enawo onke amandla emtshatweni, kusenokungabi namsebenzi ukuba umfazi anyanzelise ukuba igama lakhe libhalwe kwipropati.