Unokwenza umyalelo wesitifiketi seentsapho kuphela xa amagunya avumela ukuthengiselana okuzayo ngegunya lePenshini yeNgxowa-mali. Kule nqaku, siya kuzama ukuqonda indlela onokusebenzisa ngayo imali yakho yokubeletha ekwakhiweni kwindlu yokuhlala, kwaye yiyiphi na amaxwebhu aya kufuneka kule nto.
Indlela yokusebenzisa i-capital mother to build a house?
Kukho iindlela ezininzi zokusebenzisa intlawulo yentlalo, eya kuvumela ukwakhiwa kwesakhiwo sokuhlala kuyo yonke intsapho emhlabeni, oko kukuthi:
- ukufumana imali yokuzakhela indlu;
- ulwalathiso lwemali yemali yomzali ngokupheleleyo okanye inxalenye kwi-akhawunti yontrakhontrakthi oza kuqhuba ukwakhiwa kwesakhiwo;
- ukuhlawulelwa kweendleko zokwakha indlu yokuhlala, eyenziwa ngaphambili;
- ukuhlawulwa kwemali-mboleko ethathwe kwi-capital parentin ekujoliswe kuyo ukwakha indlu.
Ngenye yale ndlela yokuzalisekisa le ntlawulo inamacandelo ayo kwaye ifuna ukunikezelwa kwamanani athile.
Ukwakha indlu ngeendleko zemali yokubeletha
Ukutyalomali imali yokubeletha ekwakhiweni kwindlu yokuhlala, zombini ngemizamo yakho kunye noncedo lwabaphathi, uya kuba nako kuphela xa umntwana wakho, kwimeko yokubonakala kwakho kwintsapho enikezelwe isatifiketi, uya kufaka kwiinyanga ezingama-36. Emva koko unelungelo lokuya kwiNgxowa-mali yePensheni kunye nesicelo semali yokwakha kwaye ungenise ngokwengeziwe amaphepha alandelayo:
- amaxwebhu ngokuzalwa nokuhlala kwamalungu onke entsapho;
- isihloko somthetho kwisiqephu somhlaba sokwakha;
- imvume yokwakha kwesi siqendu somhlaba;
- umbopheleleko womnini wexesha elizayo ukuba anike isabelo kwindlu eyakhiweyo kubo bonke abantwana abancinci kunye neqabane, eqinisekisiwe kwincwadi yonyanisi.
Ukongeza, ukuba uceba ukwakha indlu ngokwakho kwaye ufuna ukufumana imali yokwakha, kuya kufuneka ucacise iinkcukacha ze-akhawunti ngokudlulisela imali. Xa uthabatha inkontileka, uya kufuneka ufake inkontileka phakathi kwakho kunye nenhlangano yokwakha, eya kubonisa idatha epheleleyo yokudlulisela imali efunekayo.
Ukuba onke amaxwebhu asemgangathweni kwaye ukuthengiselana okuzayo kuya kuvunywa yiziphathi zePenshini zePensheni, imali iya kudluliselwa kwi-akhawunti yakho ngaphandle kweenyanga ezi-2 zekhalenda. Kubalulekile ukuba uqaphele ukuba ngelo xesha awufumani ngaphezu kwe-50% yesamba semali yesatifikethi seentsapho.
Inxalenye eseleyo yeakhawunti yakho iya kudluliselwa emva kweenyanga ezintandathu emva kokuqala, ngaphandle kokuba isigaba esiphezulu sokwakha sigqityiwe. Ukuqinisekisa ubungqina bokuqhuba imisebenzi efunekayo, kuya kufuneka ukongeze ukuhambisa isenzo sohlolo kwisakhiwo sokuhlala. Ukuba kunjalo, bacela uncedo kwikontraka baze bafake onke amaxwebhu afanelekileyo, yonke imali ingasetyenziswa ngexesha.
Indlela yokufaka isicelo semali mboleko yokwakha indlu yokwakha umthamo?
Fumana umboleko okanye omnye umboleko wokwakhiwa kwendlu kunye nokubandakanyeka kwenkunzi yomzali onokuyenza, ngaphandle kokulinda umhla wesithathu womntwana wakho. Ukuba ufuna ukulahla le meko yenkxaso yentlalo ngale ndlela, kufuneka uqhagamshelane neziko lemali uze ugqibe isivumelwano semboleko kunye nayo, ebonisa injongo yomboleko.
Ukongeza, usebenzisa le ntlawulo yentlalo, unelungelo lokubuyisela umboleko owenziwe ngaphambili, ukuba injongo yokuboleka yayikukwakha indlu yokuhlala. Ukwenza oku, akufanele ukulinde ukuphunyezwa komntwana oneminyaka emithathu.