Ingcebiso kubemi ngoqhawulo-mtshato
Kuqhelekile ukuba abantu abatshatileyo abaqhawula umtshato okanye abaqhawule umtshato baze bayeke ukuhlala kunye. Kuqhelekile ukuba ikhaya lomtshato, indawo esihlala kuyo eso sibini ngaphambi kokwahlukana kwaso, ibe yeyona mpahla inkulu abanayo.
Ekubeni abantu abaninzi befuna ukubolekwa imali okanye inkxaso-mali ebhankini okanye kwelinye iziko lezemali ukuze bakwazi ukuthenga ikhaya, kusenokwenzeka ukuba xa wahlukana neqabane lakho okanye uqhawula umtshato kwaye ufuna ukuthenga ikhaya elitsha, kufuneka ube nekhaya elitsha. .imali yokubambisa.
Kweli nqaku, siza kuxoxa ukuba zeziphi iindlela onokukhetha kuzo ukulawula imali yakho yokubambisa xa uqhawula umtshato, ukhetho lwakho lokulawula ikhaya lomtshato xa uqhawule umtshato, kunye nendlela yokuphuma kwimali yokubambisa ngokudibeneyo.
Ukuze ufumane ujongo oluthe kratya kwiCandelo lePropati emva koQhawulo-mtshato kunye nokuphela koBudlelwane baseKhaya kunye namaLungelo ePropati yabatshatileyo nabaseKhaya, ungabhekisa ku "Izinto Omele Uzazi NgeCandelo lePropati emva koqhawulo-mtshato".
Ngubani ohlala ekhaya ngexesha lokuhlukana
Ngenxa yokucingelwa koomama, oomama babecingelwa ukuba ngokwemvelo bongamile ekunyamekeleni abantwana. Umthetho wanamhlanje awugxininisi ukucingelwa komama, kodwa iimfuno ezilungileyo zomntwana. Ukuba inkundla ifumanisa ukuba kukulungele ukuba abazali bobabini bagcine ilungelo lokugcina umntwana, inkundla iya kulahlula ilungelo lokugcina umntwana. Oku kuvumela abazali bobabini ukuba badlale indima ekukhuleni komntwana.
Abantu abaninzi badla ngokusebenzisa amagama athi "ugcino oludibeneyo" kunye "nokugcinwa ngokudibeneyo" ngokungathi bathetha into enye. Nangona kunjalo, igama ngalinye libhekisa kuhlobo olwahlukileyo lokugcinwa. Inxalenye yesizathu sokubhideka kungenxa yokuba amanye amazwe nawo awasebenzisa ngokungafaniyo. Ke ngoko, kubalulekile ukuba ugcine engqondweni ukuba ezi ziindlela ezimbini ezahlukeneyo zezivumelwano zokugcina.
Kwelinye icala, ilungelo elihlangeneyo lokugcina umntwana ligxininisa kubungakanani bonxibelelwano umntwana analo nomzali ngamnye. Ngokusisiseko, ukugcinwa ngokudibeneyo kwenzelwe ukunika abazali ithuba lokwahlula ixesha umntwana ehlala nabo ngokwasemzimbeni ngokusondeleyo kuma-50 ekhulwini kangangoko kunokwenzeka.
Ndinelungelo lantoni xa ndiqhawula umtshato nomyeni wam?
Ebudeni bezi ncoko ayiyeki ukundimangaza, okokuqala, indlela uluntu ngokubanzi olungenalwazi ngayo malunga nale miba, kwaye okwesibini, zingaphi iintsomi kunye neengcamango eziphosakeleyo. Ngokuphindaphindiweyo ndivile ukuba kusithiwa: "Emva kweenyanga ezintandathu zokuhlala kunye nobudlelwane obuqhelekileyo, banelungelo lesiqingatha sendlu!".
Hayi, okoko nje kukho abantu ababini abahlala kubudlelwane obufana nomtshato iminyaka emibini ubuncinci kurhulumente okanye enye yeenqobo zokugweba zabantwana kubudlelwane okanye igalelo elikhulu lihlangatyezwana nalo, akwenzi mahluko.
Ngaba ilungu lesi sibini linelungelo lesiqingatha sendlu emva kokuba ligcine ubudlelwane be-de facto iinyanga ezintandathu? Ngokubanzi, akunakwenzeka kakhulu. Ngoko xa ilungu elinye lesibini linelungelo lesiqingatha? Uphononongo olungeyonyani lomthetho ofanelekileyo luyenza icace into yokuba ubudlelwane be-de facto kufuneka bubekhona iminyaka emibini okanye intswela-bulungisa enkulu iya kwenziwa kwisibini esinyamekela umntwana kubudlelwane isibini siya kubandezeleka ngokungekho sikweni ngokungaqapheli igalelo laso elikhulu. .
Ngaba umfazi angahlala endlwini emva koqhawulo-mtshato?
Ukukhupha igama lakho kwimali yokubambisa njengenxalenye yoqhawulo-mtshato kufuna ucwangciso oluthile lokuqinisekisa ukuba lwenziwa ngokukhawuleza nangokufanelekileyo. Kukho iindlela ezahlukeneyo zokususa igama lakho kwi-mortgage, kodwa zonke zixhomekeke kwibhaso le-asethi kumyalelo woqhawulo-mtshato kunye neemeko ezithile. Ukuhlala umboleki-mali kwi-mortgage kunokuba yingxaki kumanqanaba amaninzi, okwenza kube nzima ukulawula iintlawulo kunye nokudala umthombo wengxabano eqhubekayo yabazali kunye nokugcinwa ngokubambisana.
Xa ikhaya lomtshato lahlulwe ngoqhawulo-mtshato, kunqabile ukuba amaqabane angaphambili ahlale engabanini-ndawonye kunye netayitile efanayo okanye njengabahlali kunye nabo. Amaxesha amaninzi, iqabane elishiya ikhaya lomtshato lifanele ligqithise, okanye lincame, onke amalungelo, ubunini kunye nomdla kwipropati kwiqabane eligcina ikhaya. Emva kokuba ubunini budlulisiwe, igama lomlingane ongeyena umnikazi walo nalo linokususwa kwityala lendlu yendlu. Nangona kunjalo, kukho enye into, njengoko ichazwe ngezantsi.
Ngoqhawulo-mtshato kuza nomsebenzi wokuba igama lakho licinywe amatyala abotshelelwe kwizinto ongasenazo, kuqalwa ngemboleko yemoto. Xa amaqabane aboleka ngokudibeneyo ukuze athenge imoto entsha okanye esele isetyenzisiwe, isithuthi (ukuba asithengiswanga) siya kuya kwelinye okanye kwelinye iqabane. Ukuphumeza oku kukwahlulwa kwempahla okuyalelwe yinkundla kufuna, okokuqala, ukudluliselwa kwetayitile kwisithuthi kwaye, okwesibini, ukususwa kobutyala bomntu ongenguye umnini wetyala.
