Amagama amabili emali ebolekiwe, elinye lisesihlokweni
Siyisevisi yokuqhathanisa ezimele, esekelwa yizikhangiso. Umgomo wethu uwukusiza wenze izinqumo zezezimali ezihlakaniphile ngokukunikeza amathuluzi asebenzisanayo nezibali zezezimali, ukushicilela okuqukethwe koqobo nokunenhloso, futhi sikuvumele ukuthi wenze ucwaningo futhi uqhathanise ulwazi mahhala, ukuze ukwazi ukwenza izinqumo zezezimali ngokuzethemba.
Ukunikezwa okuvela kule sayithi kuvela ezinkampanini ezisinxephezela. Lesi sinxephezelo singaba nomthelela wokuthi imikhiqizo ivela kanjani futhi kuphi kuleli sayithi, okuhlanganisa, isibonelo, ukuhleleka okungahle kuvele ngayo phakathi kwezigaba zokufakwa ohlwini. Kodwa lesi sinxephezelo asinamthelela kulwazi esilushicilelayo, noma izibuyekezo ozibona kule sayithi. Asibandakanyi indawo yonke yezinkampani noma izinhlinzeko zezimali ezingatholakala kuwe.
Siyisevisi yokuqhathanisa ezimele, esekelwa ukukhangisa. Umgomo wethu uwukusiza wenze izinqumo zezezimali ezihlakaniphile ngokukunikeza amathuluzi asebenzisanayo nezibali zezezimali, ukushicilela okuqukethwe koqobo nokunenhloso, futhi sikuvumele ukuthi wenze ucwaningo futhi uqhathanise ulwazi mahhala, ukuze ukwazi ukwenza izinqumo zezezimali ngokuzethemba.
Ingabe igama lokuqala esihlokweni sendlu linendaba?
Emashumini amathathu eminyaka edlule, abangaphezu kuka-80% abathengi bezindlu babeshadile. Ngo-2016, bangama-66% kuphela abashadile. Nakuba imibhangqwana eshadile isalokhu iyiningi labantu abathenga izindlu, isibalo sabesifazane abangashadile abathenga amakhaya sikhuphuke kakhulu kusukela maphakathi nawo-80. Ngokocwaningo lukazwelonke, ngo-2016 abesifazane abangashadile babalelwa ku-17% wabo bonke abathenga izindlu, uma kuqhathaniswa no-8%. imibhangqwana engashadile kanye no-7% wabesilisa abangashadile. Kungakhathaliseki isimo sakho sobudlelwano, singasiza ukwenza ukuthenga ikhaya nokufuna imali yendlu kungabi nankinga. Kungakhathaliseki ukuthi uthenga umuzi uwedwa noma nomunye umuntu, kuyakhokha ukwenza umsebenzi wakho wesikole, ukwazi ukuthi ungena kuphi. futhi ubheke imali yokuthenga indlu. Funda ukuze uthole ukuthi: Ungayithengela kanjani imali ye-mortgage uwedwa
Lolu hlobo lwesihloko luyisinqumo esivame kakhulu phakathi kwabashadile, kodwa asikho isidingo sokuthi uhlobane ukuze usebenzise ilungelo lokukhulisa izingane ngokuhlanganyela elinelungelo lokusinda. Ubunikazi bendawo buhlukaniswa ngokulinganayo phakathi kwabanikazi abahlanganyelayo. Uma kwenzeka kushona omunye wabanikazi, isabelo sabo sendawo sidlulela komunye umnikazi.
Ingabe umuntu angathengisa indlu uma igama lakhe liku-deed?
Kungakhathaliseki ukuthi ufuna ukugcina owakwakho ephuma emalini ebolekiwe ngesizathu esithile noma ufuna ukuthenga ikhaya lakho uwedwa, kukhona ukufaneleka kokuba umnikazi wendlu yedwa. Kuye ngesimo sakho somuntu siqu, ukuba nomngane womshado oyedwa kuphela emalini ebolekiwe kungase kube inketho engcono kakhulu.
Itayitela lesakhiwo yidokhumenti eqinisekisa ukuthi ubani umnikazi osemthethweni wekhaya. Kungase futhi kube nomthelela ekwakhiweni kwe-mortgage. Kungcono ukukhuluma nommeli kanye nomthengisi wezindlu ukuze uqonde izinketho zokuthi ubani okufanele abalwe esihlokweni nakwimali ebolekiwe.
Ungase ucabange ukushiya igama loshade naye esihlokweni uma: - Ugcina izimali zakho zihlukene futhi ungathanda ukuqhubeka nokwenza kanjalo - Ufuna ukuvikela impahla yakho kumngane womshado onesikweletu esibi - Ufuna ukulawula okuphelele mayelana nokudluliswa kwempahla ikusasa (isibonelo, uma unezingane zomshado wangaphambili)
Itayitela lokuyeka likuvumela ukuthi udlulisele ubunikazi bezindlu ezithengiswayo usuka komunye umuntu uye komunye. Uma unquma ukushiya igama loshade naye esihlokweni, ungakwazi njalo ukusebenzisa itayitela lokuyeka ukuze udlulisele ubunikazi obugcwele besakhiwo kuye.
Ingabe bobabili abashadile kufanele bavele kwitayitela?
Kwezinye izimo, lapho othile esusa umlingani wakhe wangaphambili esihlokweni sendawo, usuke engeza umlingani wakhe omusha esihlokweni sakhe. Uma kunjalo, bheka ikhasi lethu lokuthenga ku-ex.
Uma unemali mboleko yomuzi, kufanele wazise umbolekisi wakho ngaphambi kokunikeza umlingani wakho indawo. Umbolekisi wakho uzokutshela ukuthi imaphi amadokhumenti okudingeka uwathumele ukuze uqedele inqubo.
Uma ngabe umlingani wakho akakabi vele emalini ebolekiwe, kufanele uqale wengeze igama likamlingani wakho emalini eboshiwe. Uma igama likazakwenu selivele likumali mboleko yezindlu noma ninemali mboleko ehlanganyelwe yendlu, ungakwazi ukweqa lesi sinyathelo.
Ukuze uqale inqubo yokubuyisela imali, kufanele uqale ugcwalise ifomu lokuhoxa lombolekisi wakho bese ungashintsha ababolekisi. Ungakwazi futhi ukufaka isicelo semalimboleko ehlanganyelwe nombolekisi ofanayo inqobo nje uma bezimisele ukukunikeza umnikelo ongcono.
Ukuze ukukhululwa kube yinto engokoqobo, kufanele uhlangabezane nochungechunge lwezimo ezingashintsha ukusuka kwesinye isimo kuye kwesinye. Yingakho kungcono ukuthi uhlale uhlola nombolekisi wakho ngaphambi kokwengeza igama lomuntu esihlokweni sakho.
