Asinguye wonke umntu onokufikelela kwizindlu. Abantu abaninzi, mhlawumbi ngenxa yokuba bengenamali yokuthenga enye, okanye ngenxa yokuba bengenawo umsebenzi ozinzileyo kwaye kufuneka besuka kwesinye isixeko baye kwesinye, abanakukwazi ukufumana obu "bunewunewu", kwaye bajonge ezinye iindlela, njengoko kunjalo ngerenti kunye nenketho yokuthenga.
Kodwa, ngaba uyazi ngenene ukuba eli gama lithetha ukuthini xa ulibona okanye bakuxelela ngalo kwi-arhente okanye emntwini? Yintoni enayo? Ngaba zikho iingenelo nezingeloncedo? Ukuba ufuna ukwazi yonke into malunga nalo mfanekiso we-real estate, apha siyakuxelela.
Yintoni erentwayo ngenketho yokuthenga
Ngokusisiseko, ukurenta-kwakho kuvumela oko kuhlawulwa ngenyanga ukuba kuhlale endlwini ukuba "iqokelelwe", ngendlela ethile, ukuthenga loo ndlu. Ngamanye amazwi, ukuba uhlawula i-euro ezili-100 ngenyanga kwaye indlu inokhetho lokuthenga, ungayitsala loo rent kwimali ekufuneka uyihlawule. Nangona inyaniso ikukuba ngandlel’ ithile intsonkothile ngakumbi.
Xa isivumelwano sokurenta sigqitywa kunye nethuba lokuthenga, into enikezelwayo kukuba umqeshi angaphila ixesha elithile. yeyokuqesha kwaye, emva koku (kusekwe kwikhontrakthi), uzakuba nelungelo lokuthenga indlu ngexabiso elimiselweyo. Ngeli xabiso limiselweyo eso sixa siya kutsalwa (nokuba yonke, okanye inxalenye, nayo iya kulungiswa ngesivumelwano) yerenti yenyanga.
Ngokomthetho, akukho mmiselo malunga nalo mbandela, umzekelo malunga neemeko ezithile, iintlobo zeekhontrakthi, njl. kodwa ewe kukho ukukhankanywa kwerenti kunye nenketho yokuthenga kwiKhowudi yoLuntu kunye kwinqaku le-14 le-Mortgage Regulation okanye kwi Umthetho woqeshiso lwedolophu.
Mhlawumbi lowo usondele kakhulu ekusenzeni ukuba siqonde ukuba zeziphi iinkcukacha ziya kuba linqaku le-14, elichaza ukuba kufuneka kubekho isivumelwano phakathi kwamaqela, ixabiso elichaziweyo kunye nexesha, alizange libe likhulu kune-4 iminyaka.
Iimfuno zekhontrakthi yerenti enelungelo lokuthenga
Ukuba ukhe wazifumana unesivumelwano sokurenta kunye nenketho yokuthenga, kufuneka wazi ukuba ubuncinci kufuneka buqulathe:
- Ixabiso lendlu xa ithe yathengwa. Oku kwenziwa ukukhusela ixabiso lendlu ukuba liphakame xa kuyimfuneko ukuze lingalahleki imali (kwirenti).
- Ixesha lokufumana loo ndlu. Oko kukuthi, ixesha apho umqeshi angasebenzisa ilungelo lakhe lokuthenga. Ukuba awenzi njalo, umnini-mhlaba unokuthengisela abanye abantu indlu kwaye umnini-mhlaba kufuneka aphume (okanye enze esinye isivumelwano naloo mntu mtsha).
- Eyokuqala (okanye hayi) leyo inikwa umqeshisi ukwenzela olo khetho lokuthenga. Kule meko, iimeko ezimbini zingenzeka: mhlawumbi isaphulelo ukuba kukho ukuthenga ngokwenene; okanye kufuneka uhlawule ukuba awuyithengi indlu.
Sisebenza njani esi sivumelwano?
Xa usayina isivumelwano esinjalo, ungahlala endlini ubhatale irent, ngokungathi yinto eqhelekileyo. Kodwa emva kokuba ixesha elisekwe kwikhontrakthi lidlulile, kuya kufuneka wenze isigqibo sokuba uyayigcina indlu okanye hayi.
Ukuba awukwenzi, ungaqhubeka uhlala apho de umniniyo ayithengise. Kodwa kuya kufuneka uqhubeke uhlawula irenti yakho.
Izinto eziluncedo kunye nezingeloncedo zokurenta ngokukhetha ukuthenga
Ufanele ukwazi ukuba iingenelo kunye nokungonakali akuchaphazeli kuphela umqeshi wendlu, kodwa umnini okanye umnini wendlu unokuba nezinto ezintle kwaye kungekhona izinto ezintle.
Ukukunika umbono, iinzuzo kumnini Banokuba zezi:
- Fumana imali ekuqaleni. Kuba njengoko efumana umvuzo wokurenta, unomthombo omnye wokufumana imali ngenyanga.
- Unayo i-inshurensi engahlawuliyo. Kwaye kungenxa yokuba olu hlobo lwekhontrakthi luhlala luseka ipremiyamu ephezulu ngokufanelekileyo ekufuneka yaneliswe ukuze ungene. Kwakhona, ukuba awuyithengi indlu, loo ntlawulo ihlala kuwe.
- Unokufumana imali ngexesha elifanayo ukungalahli ithemba lokuthengisa indlu. Oko kukuthi, ukuba unayo irenti awukwazi ukuyithengisa, ngaphandle kokuba ichazwe ngesivumelwano.
- Kukho izibonelelo zemali yerenti.
Ngakolunye uhlangothi, kumqeshi Isivumelwano sokuqeshisa sikubonelela ngoku:
- Ukuthenga okuqinisekisiweyo. Ukuba uthanda ummelwane, indlu, kwaye ufuna ukuba namathuba, luluvo oluhle.
- Ihlawulwa kancinci kancinci ekuqaleni. Kwaye kukuba ngexesha lokuthengisa ngokusesikweni, zombini ipremiyamu yokuqala kunye nenxalenye okanye yonke irenti ehlawulweyo iya kutsalwa kwixabiso lendlu. Ngantoni na ekugqibeleni uya kuhlawula ngaphantsi.
- Indlu inokuthengwa nanini na kwixesha elimiselweyo.
Ayilunganga kangako le renti ngokuthenga
Kwelinye icala, kukho imiba engalunganga yawo omabini amanani ekufuneka ithathelwe ingqalelo. Ngokukodwa, kuba umnini, inga:
- Ukumosha ixesha. Kuba xa ufuna ukuyithengisa, ukurenta bubudenge, ngakumbi ukuba ekugqibeleni umqeshi akafuni.
- Indlu ayinakuthengiswa ngelixa isivumelwano sisebenza.
- Kwimeko apho amaxabiso enyuka, umnini makahloniphe lowo usekwe ngokwesivumelwano.
Kwimeko womqeshi, eyona imbi kolu khetho yile:
- ngubani oyithengayo iya kuba phantsi kweRhafu yoTshintsho lwePropati, ngoko ke kuya kufuneka nizinze ngokwexabiso lendlu, kungekhona ukuba niza kuyihlawula ngokwenene.
- Kwakhona, kufuneka uhlawule irhafu nge-ITP ngokurenta le ndlu. Ngamanye amazwi, iirhafu eziphindwe kabini.
- Ibhonasi ilahlekile ukuba awuyigcini indlu.
- Ukuba ixabiso lendlu liyehla, kwimeko yerenti-to-own ayiluvumeli olo khetho kuba lumiselwe ngomhla wokusayina isivumelwano.
Kuzo zonke ezi zinto, impendulo yokuba ingaba inomdla okanye ayiyi kuxhomekeka kwimeko nganye. Ukuba uyayithanda indlu, indawo kwaye ucinga ukuba ayizukwehla kwixabiso kwiminyaka, inokuba yinto elungileyo. Ucinga ntoni ngerenti enokhetho lokuthenga?