UKUTHENGA INDLU
UKUTHENGA INDLU
Mhlawumbi ukuthenga umzi lolona tyalo-mali lukhulu nolona lubalulekileyo uya kuze ulwenze.
Xa uyifumana indlu ofuna ukuyithenga yaye ngaphambi kokuba usayine nasiphi na isivumelwano sokuthenga (ekudla ngokubhekiselwa kuso maxa wambi ngokuthi ‘yiOffer to Purchase’), landela la manyathelo alandelayo:
• Yihlolisise xxxxx xxxx. Xxxx ngophahla, iigatha, iintambo zombane, isiseko njalo njalo. Ukuba unamathandabuzo, cela ingcali ukuba ikuhlolele indlu leyo. Ukuba kukho amakhwiniba, bhala kwisivumelwano sokuthenga ukuba ziza kulungiswa ngumthengisi ngemali yakhe.
• Ngaphambi kokutyobela isivumelwano sokuthenga, nika igqwetha lakho olu xwebhu ukuze liluhlole. Xxxx ngayo nantoni na engacacanga.
• Xxxx ngazo naziphi na iindleko ezongezelelekileyo, njengentlawulo yeenkonzo neendleko zokuyidlulisela komnye umntu – igqwetha lakho liya kukuphendula.
Onke amalungiselelo nezithembiso ziyinxalenye yekontrakti ebhaliweyo. Akunakubophelela mntu ngesivumelwano somlomo. Uxwebhu olusayinwe nguwe lwaza lwamkelwa ngumthengi lunokuba sisivumelwano esibophelelayo.
• Qiniseka ukuba unemali eyaneleyo. Ukuba ufuna inkxaso- mali (bond) funa imali eza kugubungela iindleko okanye ukuhlolwa kwendlu nokubhaliswa kwayo – igqwetha lakho liya kukuxelela ngale nto.
• Ukuba akuqinisekanga enoba uya kuyifumana imali ebolekisayo ukuze uhlawulele indlu okanye ezinye iindleko, ukuthenga kwakho indlu makulinde imali-mboleko.
• Qinisekisa ukuba isivumelwano sokuthenga senza ukuba xxxx xxxx ukufumana isatifikethi esisebenzayo ngeendleko zomthengisi kumaphondo aseKapa nakwaZulu-Natal, kwakunye nesatifiketi sokuvumelana (certificate of compliance) ngenxa yokufakelwa kombane kuwo onke amaphondo.
• Ngaba umthengisi ufuna idipozithi kwimali athengisa ngayo indlu? Ukuba kunjalo, lungiselela ukuba intlawulo igciniswe naliphi na igqwetha yaye igcinwe ikhuselekile kwiakhawunti yokonga imali de indlu ibe segameni lakho. Ngesivumelwano
senu nobabini, igqwetha linokuyityala le mali ukuba nje, ingeniso efumaneke apho iza kungena kwiakhawunti yakho.
• Phawula umhla wokungena kwisivumelwano sokuthengiselana. Ukuba nje unokungena endlwini ngaphambi kokuba Indlu ibe segameni lakho,kuya kulindeleka ukuba uhlawule irente. Qiniseka ngomntu omele ahlawule irhafu, iindleko, neemali zeinshorensi ngeli xesha. Ukuba ukuthengiswa kwendlu kuye kwasilela emva kokuba ungenile kuyo, kuya kufuneka ngokuzenzekelayo uphinde uphume uphinde uhlawule ezinye iindleko yaye uphazamiseke.
• Ukuba umthengisi ufuna ukukhupha nantoni na njengezityalo, Iikhabhathi njalo njalo, oku kufanele kubhalwe kucace kwikontrakti. Naziphi na izinto ezinokusuka xxxx (njengeekhethini, iqula njalo njalo) nazo zimele zichazwe.
UKUTHENGISA INDLU
Ukuba uceba ukuthengisa indlu yakho, musa ukulahlekelwa yimali oyenze ngolu tyalo-mali, ngokuthi ungabi nalwazi ngemiba yomthetho ebandakanyekileyo.
Landela la manyathelo:
• Gcina indlu yakho neyadi zicocekile ukuze zitsale abo baza kufuna ukuzithenga.
• Thetha negqwetha lakho ngokuphathelele amalungelo neembopheleleko zakho. Njengomthengisi, unelungelo lokuzikhethela igqwetha eliza kukuncedisa ekuthengiseni. Musa ukuvumela inkampani ethengisa izindlu ukuba ikuxelele enye into.
• Qhagamshelana nenkampani ethengisa izindlu ibe xxx nangaphezulu, uze ubhalise indlu yakho. Musa ukunika inkampani ethengisa izindlu ilungelo elipheleleyo ngaphandle kokuyihlola ngokucokisekileyo. Igqwetha lakho liya kukucebisa kulo mba.
• Xa ufumana umthengi, ungasayini nasiph na sivumelwano sokuthengiselana ngaphambi kokuba igqwetha lakho lisihlolisise. Onke amalungiselelo nezithembiso amele abhalwe phantsi kwikontrakti. Izivumelwano zomlomo azinakubophelela mntu.
UKUTHENGA OKANYE
INDLU
UKUTHENGISA
W L O K H O O K U D I N G E K A U K W A Z I
UKUTHENGA OKANYE UKUTHENGISA INDLU
W L O K H O O K U D I N G E K A U K W A Z I
IGQWETHA LAKHO – UMCEBISI WAKHO ONOKUMTHEMBA
UKUTHENGA OKANYE UKUTHENGISA INDLU
W L O K H O O K U D I N G E K A U K W A Z I
AMAGQABANTSHINTSHI
‘Ukudlulisela itayitile’ kuyinkqubo yomthetho apho amalungelo endlu ebhaliswa kwiOfisi Yezivumelwano. La malungelo
aquka ubunini, ukubambisa ngendlu, ukusebenza kangangethuba elithile amalungelo ezimbiwa namanye. Onke la malungelo athe zinzi ngokusemthethweni emntwini kuphela xa sele kubhalisiwe. Noko ke, inkqubo yokubhalisa liwatywina ngokusemthethweni amalungelo omntu endawo yokuhlala.
Ukudlulisela itayitile kuquka amanyathelo amaninzi, aqala ngesivumelwano sokuthengiselana ahamba aye kutsho ekubhaliseni ekugqibeleni ubunini nokungqinelaniswa kwezimali nentlawulo.
‘Indawo eqingqiweyo’ ibhekisela kuwo nawuphi na umhlaba enoba Wakhiwe okanye awukakhiwa ngokomzekelo kubekwe indlu, xxxxx Xxxxxx isakhiwo esinetayitile.
’’Odlulisela itayitile’: Umntu odlulisela itayitile umiselwa yiNkundla Ephakamileyo emva kokuba egqibe ukubhala iimviwo ezikhethekiley. Kuphela ngumntu oye wamiselwa yiNkundla Ephakamileyo njengegqwetha, onelungelo lokudlulisela itayitile. Ngoko ke, bonke abo badlulisela iitayitile bakwangamagqwetha, kodwa asingawo onke amagqwetha xxxxxxxxxx xxxxxxxxxx.
• Isibakala sokuba isivumelwano sokuthenga asinakutshintsha, siya kuba njalo ngaphandle kokuba sibhalwe phantsi saza sasayinwa ngala macala omabini.
• Enoba isatifiketi esisebenzayo sinokufumaneka (kumaphondo aseKapa naKwaZulu-Natal) yaye ukuba kunjalo ngubani ofanele ahlawulele ukuhlolwa okanye nawuphi na umsebenzi oyimfuneko.
• Nayiphi na imeko ekhethekileyo, ngokomzekelo:
- Uludwe lwawo nawaphi na amasolotya akhutshiweyo kwintengiselwano.
- Enoba le ndlu iza kuthengwa ngokuthi umthengi afumane imali-mboleko (xxxx) okanye athengise umzi ahlala kuwo. Igqwetha lakho liya kukucebisa kwezi meko.
- Isivumelwano esikhethekileyo simele sibhalwe ukuba umthengi ufuna ukuyihlawula ixesha elandisiweyo. Lo mba uthande ukuba ntununtunu yaye unazo neengozi ezithile yaye ubongozwa ngokungqongqo ukuba uvumele igqwetha lakho likwenzele isivumelwano sokuthengiselana.
• Ngaphambi kokuba usayine, fumanisa ukuba ingakanani ingeniso (commission) eya kwinkampani ethengisa izindlu nokuba iVAT iqukiwe na.
• Nika ummeli wenkampani yezindlu igama legqwetha lakho - igqwetha lakho liya kujongana nemiba yomthetho lize liqinisekise ukuba indlu idluliselwa kulowo uyithengayo. Xxxxx uya kulungiselela imiba yemali aze aqiniseke ukuba uyayifumana imali yakho.
Nalu uludwe lweemfuneko ezibalulekileyo ezifanele zifikelelwe kwisivumelwano sokuthengiselana. Noko ke, olu ludwe aluphelelanga, kuba nayiphi intengiselwano ineemfuneko zayo. Ukuba ungathanda ukwenjenjalo, igqwetha lakho liya kukwenzela isivumelwano sokuthengiselana.
• Amagama akho, iinombolo zeID, nokuba utshatile kusini na (ngokomzekelo utshate njani, nidibaniselene ngezinto) okanye ingakanani (ukuba ziinkampani), kwakunye neadresi yomthengi neyomthengisi.
• Inkcazelo nobungakanani bendawo, njengoko ichazwe kwisivumelwano sokudlulisela.
• Ixabiso lendawo nendlela ekuza kuhlawulwa ngayo.
• Ilungiselelo lokuba umthengi uhlawula zonke iindleko zokudluliselwa kwendlu.
• Igama legqwetha lakho elidlulisela indlu
• Umhla wokufumana indlu nokuhlala kuyo.
• Ilungiselelo lokuba umthengi uhlawula zonke iirhafu nezinye iindleko zikamasipala ukususela mhla wangena endlwini.
• Ilungiselelo lokuba indlu ithengiswa ‘ngobunjalo bayo’ (ngamany’ amazwi awunakubekwa tyala ngeziphako ezibonakalayo okanye ezingabonakaliyo).
• Ingeniso efunekayo (commission) negama lenkampani ethengisa izindlu.
• Ukuba umhla wokungena endlwini ungaphambi komhla wokudlulisela, qiniseka ukuba umthengi uhlawula inzala yemali yentengo okanye eyerente de ibe ngumhla wokudlulisela. Imali nendlela eza kuhlawulwa ngayo imele ichazwe.
Nguba okhetha umntu xxx kudlulisela itayitile? Kuninzi lwamaphondo eMzantsi Afrika, ngumthengisi odla ngokukhetha umntu xxx kudlulisela itayitile yendawo, xxxxxxx xxx, xxxxx xxxxxxxxxxx iintlobo zezivumelwano zentengiselwano zinokwahluka ngenxa yothethathethwano lwabo bathengiselanayo.
Umthengi unokukhetha umntu xxx kudlulisela itayitile ukuze amcebise, kodwa iindleko ziya kuthi kratya kwezo zokudlulisela itayitile zifakwe ngumcebisi womthengisi, oya kudlulisela itayitile.
Kutheni efuneka umntu wokudlulisela itayitile?
Kuninzi okubandakanyekileyo xa kudluliselwa indawo eqingqiweyo. Ngokuqhelekileyo iba yeyona nto inkulu umntu xxxxx xxxx ukuthengwa kwendlu kuyeyona kontrakti ibalulekileyo yenziwa ngabantu. Ngoko
ke, umthetho uvumela kuphela abadlulisela iitayitile abafanelekayo abanokudlulisela izindlu okanye izinto ezifana nezo.
Oku akwenzelwa nje kuphela ukukhusela amalungelo abantu, kodwa kukhusela nenkqubo yoMzantsi Afrika yokubhaliswa komhlaba, egqalwa emhlabeni wonke njengeyona isemagqabini.
Xa sele kuhlolwe xxxxx into, zonke iinkqubo zilandelwe ngulowo udlulisela itayitile nendlu ibhaliswe ngegama lomthengi, umthengi unokuqiniseka ukuba uneyona tayitile ifanelekileyo yaloo ndlu.
Unokwenza ntoni ukuba lowo udlulisela itayitile akawenzi umsebenzi wakhe?
Abo badlulisela iitayitile banokohlwaywa ngamagqwetha ephondo abasebenza kulo. Amagqwetha aya kukhusela abantu. Ukuba umntu ucinga ukuba umntu odlulisela itayitile akawenzanga umsebenzi wakhe kakuhle, unokufaka isikhalazo kumagqwetha afanelekileyo xxxx xxx magqwetha aya kuwuphanda lo mba, yaye kwiimeko ezizizo uya kohlwaywa xxxx xxxxxxxxxx xxxxxxxxxx. Ukuba uye akakhathala waza ngenxa yoko, umthengi okanye umthengisi walahlekelwa, banokufaka isimangalo xxxx bamdle iindleko zaloo lahleko lowo udlulisela itayitile.
Tel: (x00) 00 000 0000
Fax: (x00) 00 000 0000
P O Box 36626
Menlo Park 0102
Docex 82, Pretoria
000 Xxxxxx Xxxxxx
Menlo Park, Pretoria 0081