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UKUTHENGA OKANYE UKUTHENGISA INDLU

 

UKUTHENGA INDLU

Mhlawumbi ukuthenga umzi lolona tyalo-mali lukhulu nolona lubalulekileyo uya kuze ulwenze.Xa uyifumana indlu ofuna ukuyithenga yaye ngaphambikokuba usayine nasiphi na isivumelwano sokuthenga (ekudlangokubhekiselwa kuso maxa wambi ngokuthi ‘yiOffer toPurchase’), landela la manyathelo alandelayo:

• Yihlolisise indlu leyo. Buza ngophahla, iigatha, iintambozombane, isiseko njalo njalo. Ukuba unamathandabuzo,cela ingcali ukuba ikuhlolele indlu leyo. Ukuba kukhoamakhwiniba, bhala kwisivumelwano sokuthenga ukubaziza kulungiswa ngumthengisi ngemali yakhe.

• Ngaphambi kokutyobela isivumelwano sokuthenga, nikaigqwetha lakho olu xwebhu ukuze liluhlole. Buza ngayonantoni na engacacanga.

• Buza ngazo naziphi na iindleko ezongezelelekileyo,njengentlawulo yeenkonzo neendleko zokuyidluliselakomnye umntu – igqwetha lakho liya kukuphendula.Onke amalungiselelo nezithembiso ziyinxalenye yekontraktiebhaliweyo. Akunakubophelela mntu ngesivumelwanosomlomo. Uxwebhu olusayinwe nguwe lwaza lwamkelwangumthengi lunokuba sisivumelwano esibophelelayo.

• Qiniseka ukuba unemali eyaneleyo. Ukuba ufuna inkxasomali(bond) funa imali eza kugubungela iindleko okanyeukuhlolwa kwendlu nokubhaliswa kwayo – igqwetha lakholiya kukuxelela ngale nto.

• Ukuba akuqinisekanga enoba uya kuyifumana imaliebolekisayo ukuze uhlawulele indlu okanye ezinye iindleko,ukuthenga kwakho indlu makulinde imali-mboleko.

• Qinisekisa ukuba isivumelwano sokuthenga senza ukubakube lula ukufumana isatifikethi esisebenzayo ngeendlekozomthengisi kumaphondo aseKapa nakwaZulu-Natal,kwakunye nesatifiketi sokuvumelana (certificate ofcompliance) ngenxa yokufakelwa kombane kuwo onkeamaphondo.

• Ngaba umthengisi ufuna idipozithi kwimali athengisa ngayoindlu? Ukuba kunjalo, lungiselela ukuba intlawulo igciniswenaliphi na igqwetha yaye igcinwe ikhuselekile kwiakhawuntiyokonga imali de indlu ibe segameni lakho. Ngesivumelwanosenu nobabini, igqwetha linokuyityala le mali ukuba nje,ingeniso efumaneke apho iza kungena kwiakhawunti yakho.

• Phawula umhla wokungena kwisivumelwanosokuthengiselana. Ukuba nje unokungena endlwiningaphambi kokuba Indlu ibe segameni lakho,kuya kulindelekaukuba uhlawule irente. Qiniseka ngomntu omele ahlawuleirhafu, iindleko, neemali zeinshorensi ngeli xesha. Ukubaukuthengiswa kwendlu kuye kwasilela emva kokuba ungenilekuyo, kuya kufuneka ngokuzenzekelayo uphinde uphumeuphinde uhlawule ezinye iindleko yaye uphazamiseke.

• Ukuba umthengisi ufuna ukukhupha nantoni nanjengezityalo, Iikhabhathi njalo njalo, oku kufanele kubhalwekucace kwikontrakti. Naziphi na izinto ezinokusuka lula(njengeekhethini, iqula njalo njalo) nazo zimele zichazwe.UKUTHENGISA INDLUUkuba uceba ukuthengisa indlu yakho, musa ukulahlekelwayimali oyenze ngolu tyalo-mali, ngokuthi ungabi nalwazingemiba yomthetho ebandakanyekileyo.Landela la manyathelo:

• Gcina indlu yakho neyadi zicocekile ukuze zitsale abo bazakufuna ukuzithenga.

• Thetha negqwetha lakho ngokuphathelele amalungeloneembopheleleko zakho. Njengomthengisi, unelungelolokuzikhethela igqwetha eliza kukuncedisa ekuthengiseni.Musa ukuvumela inkampani ethengisa izindlu ukuba ikuxeleleenye into.

• Qhagamshelana nenkampani ethengisa izindlu ibe nyenangaphezulu, uze ubhalise indlu yakho. Musa ukunikainkampani ethengisa izindlu ilungelo elipheleleyo ngaphandlekokuyihlola ngokucokisekileyo. Igqwetha lakho liyakukucebisa kulo mba.

• Xa ufumana umthengi, ungasayini nasiph na sivumelwanosokuthengiselana ngaphambi kokuba igqwetha lakholisihlolisise. Onke amalungiselelo nezithembiso ameleabhalwe phantsi kwikontrakti. Izivumelwano zomlomoazinakubophelela mntu.

• Ngaphambi kokuba usayine, fumanisa ukuba ingakananiingeniso (commission) eya kwinkampani ethengisa izindlunokuba iVAT iqukiwe na.

• Nika ummeli wenkampani yezindlu igama legqwetha lakho -igqwetha lakho liya kujongana nemiba yomthetho lizeliqinisekise ukuba indlu idluliselwa kulowo uyithengayo.Kanti uya kulungiselela imiba yemali aze aqiniseke ukubauyayifumana imali yakho.Nalu uludwe lweemfuneko ezibalulekileyo ezifanele zifikelelwekwisivumelwano sokuthengiselana. Noko ke, olu ludwealuphelelanga, kuba nayiphi intengiselwano ineemfuneko zayo.Ukuba ungathanda ukwenjenjalo, igqwetha lakho liya kukwenzelaisivumelwano sokuthengiselana.

• Amagama akho, iinombolo zeID, nokuba utshatile kusini na(ngokomzekelo utshate njani, nidibaniselene ngezinto) okanyeingakanani (ukuba ziinkampani), kwakunye neadresiyomthengi neyomthengisi.• Inkcazelo nobungakanani bendawo, njengoko ichazwekwisivumelwano sokudlulisela.

• Ixabiso lendawo nendlela ekuza kuhlawulwa ngayo.

• Ilungiselelo lokuba umthengi uhlawula zonke iindlekozokudluliselwa kwendlu.

• Igama legqwetha lakho elidlulisela indlu

• Umhla wokufumana indlu nokuhlala kuyo.

• Ilungiselelo lokuba umthengi uhlawula zonke iirhafu nezinyeiindleko zikamasipala ukususela mhla wangena endlwini.

• Ilungiselelo lokuba indlu ithengiswa ‘ngobunjalo bayo’(ngamany’ amazwi awunakubekwa tyala ngeziphakoezibonakalayo okanye ezingabonakaliyo).

• Ingeniso efunekayo (commission) negama lenkampaniethengisa izindlu.

• Ukuba umhla wokungena endlwini ungaphambi komhlawokudlulisela, qiniseka ukuba umthengi uhlawula inzalayemali yentengo okanye eyerente de ibe ngumhlawokudlulisela. Imali nendlela eza kuhlawulwa ngayoimele ichazwe.

• Isibakala sokuba isivumelwano sokuthenga asinakutshintsha,siya kuba njalo ngaphandle kokuba sibhalwe phantsi sazasasayinwa ngala macala omabini.

• Enoba isatifiketi esisebenzayo sinokufumaneka (kumaphondoaseKapa naKwaZulu-Natal) yaye ukuba kunjalo ngubaniofanele ahlawulele ukuhlolwa okanye nawuphi na umsebenzioyimfuneko.

• Nayiphi na imeko ekhethekileyo, ngokomzekelo:- Uludwe lwawo nawaphi na amasolotya akhutshiweyokwintengiselwano.- Enoba le ndlu iza kuthengwa ngokuthi umthengiafumane imali-mboleko (bond) okanye athengiseumzi ahlala kuwo. Igqwetha lakho liya kukucebisakwezi meko.- Isivumelwano esikhethekileyo simele sibhalwe ukubaumthengi ufuna ukuyihlawula ixesha elandisiweyo. Lomba uthande ukuba ntununtunu yaye unazo neengoziezithile yaye ubongozwa ngokungqongqo ukuba uvumeleigqwetha lakho likwenzele isivumelwanosokuthengiselana.

AMAGQABANTSHINTSHI

‘Ukudlulisela itayitile’ kuyinkqubo yomthetho apho amalungeloendlu ebhaliswa kwiOfisi Yezivumelwano. La malungeloaquka ubunini, ukubambisa ngendlu, ukusebenza kangangethubaelithile amalungelo ezimbiwa namanye. Onke la malungelo athe zinzingokusemthethweni emntwini kuphela xa sele kubhalisiwe. Noko ke,inkqubo yokubhalisa liwatywina ngokusemthethweni amalungeloomntu endawo yokuhlala.

Ukudlulisela itayitile kuquka amanyathelo amaninzi, aqalangesivumelwano sokuthengiselana ahamba aye kutsho ekubhaliseniekugqibeleni ubunini nokungqinelaniswa kwezimali nentlawulo.

‘Indawo eqingqiweyo’ ibhekisela kuwo nawuphi na umhlaba enobaWakhiwe okanye awukakhiwa ngokomzekelo kubekwe indlu, ifamaOkanye isakhiwo esinetayitile.

’’Odlulisela itayitile’: Umntu odlulisela itayitile umiselwa yiNkundlaEphakamileyo emva kokuba egqibe ukubhala iimviwo ezikhethekiley.Kuphela ngumntu oye wamiselwa yiNkundla Ephakamileyonjengegqwetha, onelungelo lokudlulisela itayitile. Ngoko ke, bonkeabo badlulisela iitayitile bakwangamagqwetha, kodwa asingawo onkeamagqwetha adlulisela iitayitile.

Nguba okhetha umntu oza kudlulisela itayitile? Kuninzilwamaphondo eMzantsi Afrika, ngumthengisi odla ngokukhethaumntu oza kudlulisela itayitile yendawo, nangona oku, kanyenjengezinye iintlobo zezivumelwano zentengiselwano zinokwahlukangenxa yothethathethwano lwabo bathengiselanayo.

Umthengi unokukhetha umntu oza kudlulisela itayitile ukuzeamcebise, kodwa iindleko ziya kuthi kratya kwezo zokudluliselaitayitile zifakwe ngumcebisi womthengisi, oya kudlulisela itayitile.

Kutheni efuneka umntu wokudlulisela itayitile?

Kuninzi okubandakanyekileyo xa kudluliselwa indawo eqingqiweyo.Ngokuqhelekileyo iba yeyona nto inkulu umntu anayo yaye ukuthengwakwendlu kuyeyona kontrakti ibalulekileyo yenziwa ngabantu. Ngokoke, umthetho uvumela kuphela abadlulisela iitayitile abafanelekayoabanokudlulisela izindlu okanye izinto ezifana nezo.

Oku akwenzelwa nje kuphela ukukhusela amalungelo abantu,kodwa kukhusela nenkqubo yoMzantsi Afrika yokubhaliswakomhlaba, egqalwa emhlabeni wonke njengeyona isemagqabini.

Xa sele kuhlolwe yonke into, zonke iinkqubo zilandelwe ngulowoudlulisela itayitile nendlu ibhaliswe ngegama lomthengi, umthengiunokuqiniseka ukuba uneyona tayitile ifanelekileyo yaloo ndlu.

Unokwenza ntoni ukuba lowo udlulisela itayitile akawenziumsebenzi wakhe?

Abo badlulisela iitayitile banokohlwaywa ngamagqwetha ephondoabasebenza kulo. Amagqwetha aya kukhusela abantu. Ukuba umntuucinga ukuba umntu odlulisela itayitile akawenzanga umsebenziwakhe kakuhle, unokufaka isikhalazo kumagqwetha afanelekileyoyaye loo magqwetha aya kuwuphanda lo mba, yaye kwiimeko ezizizouya kohlwaywa lowo udlulisela iitayitile. Ukuba uye akakhathala wazangenxa yoko, umthengi okanye umthengisi walahlekelwa, banokufakaisimangalo baze bamdle iindleko zaloo lahleko lowo udlulisela itayitile.