Imali yabantu ayithandabuzeki ukuba yenye yezona ngxaki zinzima ukulawula ngokugqibeleleyo, kwaye kukho amagama amaninzi kunye nemiba emininzi ekufuneka siyihlalutye ukuze sikwazi ukulawula ngcono. Kodwa kufuneka siqwalasele ukuba kufuneka sithathe eminye imithetho njengesalathiso ukuze sikwazi ukulawula iimali zethu ngokuchanekileyo. Kule nqaku siza kuthetha ngokukodwa malunga Ukutsalwa kotyalo-mali kwindawo yokuhlala.
Umda wezomthetho uqwalasela 5 iimeko ezahlukeneyoPhakathi kwazo kukufumana okanye ukubuyisela kwimeko yesiqhelo indawo yokuhlala, njengendawo yesibini ukwakhiwa okanye ukwandiswa kwendawo yokuhlala, indawo yesithathu kukugqitywa, njengendawo yesine sifumana imisebenzi yamancedo okulungiswa kwendawo yokuhlala yesiqhelo abakhubazekileyo; kwaye ekugqibeleni sinokufumana imisebenzi kunye nezixhobo zokuziqhelanisa nendawo yokuhlala yabantu abakhubazekileyo. Makhe sihlalutye amanqaku nganye nganye.
Siza kubonisa ukuba le migaqo yenzelwe ukuthengwa kwamakhaya kuphela ngaphambi kwe-01 Januwari 2013, emva koko ayinawo irhafu
Ukufunyanwa okanye ukubuyiselwa kwimeko yesiqhelo kwendawo yokuhlala
Kule meko sebenzisa ipesenti ye-7,5 yepesenti zombini kwicandelo likarhulumente nakwicandelo elizimeleyo; kunye nokusetyenziswa kwale pesenti yokuxhuzulwa kufanelekile kuthathwa njengesixa semali ehlawulwe ngonyaka, ukuze imali-mboleko ebiceliwe ihliswe, kunye nemali ehlawulwa ngemali ngumthengi.
La Isiseko esiphezulu sokutsalwa Esebenzayo kule meko ilingana ne-9.040 euro ngenyanga; kwaye oku kufuneka kwenziwe ngayo yonke imali ehlawulwe ngenjongo yokufumana okanye yokuvuselela ikhaya; Iindleko zinokubandakanya ekubaleni kwabo iindleko ezihambelana nokuhlawulwa kwenzala, kunye neendleko zezixhobo ezibandakanyiweyo ukukhusela umngcipheko ovela kwinqanaba lenzala eyahlukileyo.
Elona xabiso liphezulu lokutsalwa lisebenza kuzo zonke iindleko ekungenwe kuzo, ke zonke iimali ezichaphazelekayo zinokongezwa; Oku kukwasixelela ukuba elona xabiso liphezulu eliza kuncitshiswa sisixa esinye, asizukukwazi ukutsala ngaphezulu kokuvunyelweyo, nokuba inkcitho yenziwe kwiiakhawunti ezahlukeneyo.
Ngoku, kukho ezinye iindleko ezingathathelwa ngqalelo kuthatho, kwaye iindleko ezenziweyo rhoqo ukugcina imeko elungileyo yezinto ezibonakalayo zibandakanyiwe, oko kukuthi, imiba enjengokupeyinta ayingenisi kunciphiso. Nokuba ukutshintshwa kwezinto zendlu akuvumelekanga ukuba kuncitshiswe, eminye imizekelo yoku kukufudumeza ukufakwa okanye iingcango zokhuseleko ekhaya.
Ukwakhiwa okanye ukongezwa kwendawo yokuhlala
Kolu luhlu singabandakanya ukuthengwa kwekhaya okanye ukongezwa ngokufanayo, ukuba nje unale migaqo ilandelayo.
Into yokuqala yokwakha Indawo yokuhlala. Oku xa umrhafi engulowo wanelisa ngqo inkcitho evela kwimisebenzi eyenziweyo; Kananjalo zibandakanyiwe izihlandlo apho izixa zihanjiswa ngenxa ye-akhawunti kuye nakubani na okhuthaza imisebenzi esele ithethiwe; kodwa kufanele kuqatshelwe ukuba oku kusebenza kuphela xa ixesha lingagqithi kwiminyaka emi-4, lithatha njengendawo yokuqala xa utyalomali luqalile.
Icandelo lesibini lokuthathela ingqalelo ukwandiswa kwendawo yokuhlala, Kule meko sithetha ngeemeko apho umhlaba onokuhlalwa unyuka khona; Oku kubonisa ukuba kufanelekile ukuba sinesitiya kwaye sithathe isigqibo sokwakha kuloo ndawo. Kubaluleke kakhulu ukuba ukwenza oku kuncitshiswa kusebenze, imihla iya kuthathelwa ingqalelo, kuba kule meko singqongqo kakhulu nomhla wokugqitywa komsebenzi kunye nokuhlawulwa kwemali ehambelana nolu tyalo-mali.
Ngesizathu sokuba Ixesha elibekiweyo libaluleke kakhuluKunika umdla ukukhankanya ukuba nangona kukho umhla obekiweyo wokugqitywa kwemisebenzi, umthetho ukwaqinisekisa ukuba kwiimeko ezizodwa apho umrhafi angabinakho ukuba nefuthe, ulwandiso lweminyaka emi-4 lunokunikezelwa ukuze lukwazi ukugqiba imisebenzi. Kodwa ukuze le nto inikwe, isicelo kufuneka senziwe kubathunywa be-arhente yolawulo lwerhafu.
Ukugqitywa
Kweli candelo lefayile ye- Ukuncitshiswa kwendawo yokuhlala kukho amagatya aliqela, eyokuqala ibonisa ukuba idatha efunekayo ukubala ukutsalwa ngumhla wokufunyanwa kwepropathi, kunye neemali ezazityaliwe ukuze kufunyanwe ipropathi; ngokubhekisele kwelona xabiso liphezulu lotyalo-mali ngama-9040 euros. Kukwabalulekile ukucacisa ukuba ukuba inkcitho yethu ingaphezulu kwesi sixa, asizukukwazi ukutsala umahluko kwiminyaka ezayo.
Ezinye iikhonsepthi ezinokuphathwa malunga noku sinokwenza ukukhankanywa kwezixa zemali otyalwe ngenjongo yokukwazi ukwakha, ukubuyisela kwimeko yesiqhelo okanye ukwandisa indawo yokuhlala, oku akukhathaleki nokuba imali ifunyenwe ngenkxaso-mali okanye ukuba umntu utyala imali yonke kwasekuqaleni.
Makhe sithethe ngoku ngamanqaku athile esifuna ukuba sikwazi ukwenza ukuncitshiswa ngendlela echanekileyo. Masiqale ngenombolo yokuchonga ye mboleko mali, kwimeko apho oku kuye kwaba yindlela yokufumana ikhaya lethu. Ngenxa yoku, kufuneka kukhunjulwe ukuba imali-mboleko kufuneka ibe nenombolo yesazisi, kwaye umhlawuli werhafu kufuneka abe nale nombolo ukuze akwazi ukuyifaka njengokutsala.
Elinye inqaku ekufuneka liqwalaselwe yipesenti ehambelana nemali mboleko yobambiso eyabelwe i utyalo-mali kwizindlu; Oku kusebenza kumatyala apho ukufunyanwa kwenziwe nenxalenye yokuzilawula kunye nenxalenye exhaswa ngemali liziko elizimeleyo. Kubaluleke kakhulu ukuba sicace gca malunga nokuba ithini le pesenti, ngale ndlela ke iinkqubo ziya kuba lula kwaye akukho sichaso siza kunikwa kuthi xa sithatha isigqibo sokutsala imali.
Ukuze sikwazi ukujonga iindleko eziza kuncitshiswa, kubalulekile ukuba sibonakalise ngokucacileyo ukuba zeziphi iintlawulo ezenziwa ngokuthe ngqo kumakhi okanye nabani na onoxanduva lokwakha. Kuya kufuneka sithathele ingqalelo into yokuba I-NIF yomkhuthazi okanye nabani na ongumakhi wendlu.
Ukufakwa okanye ukuhlengahlengiswa kwemisebenzi yendawo yokuhlala yabantu abakhubazekileyo
Enye ye inkcitho, okanye utyalomali, esinokuthi sithathe isigqibo ngazo zezo zenziwa ngenjongo yokuhlengahlengisa amaziko ukuze umntu onesiphene akwazi ukusebenzisa ngokupheleleyo izinto zekhaya lakhe. Lo mhlaba ukwabandakanya nezixa-mali ezityaliwe kwiindawo eziqhelekileyo zesakhiwo, okanye kwindledlana ephakathi kwefama kunye nohola wendlela woluntu; Ngale ndlela sinokwenza ukuba kucace ukuba zonke ezi zixa zinokutsalwa, kodwa leliphi elona xabiso liphezulu lokutsala?
Ukukhuthaza olu hlobo lwezixhobo ukuze zibandakanywe eluntwini, urhulumente unika a Ukutsalwa okuphezulu kwe-12080 euro ngonyaka. Esi sixa-mali kufuneka senziwe ngesixa semali esisetyenzisiweyo ngexesha lomsebenzi; kodwa le mali kufuneka ihambelane nokwenziwa komsebenzi, kunye nofakelo olwenziwe ukulungiselela.
Ezinye izixa esinokuzibandakanya zonke iindleko ezivela emsebenzini, kwaye ezihlawulwe ngumhlawuli werhafu ngokukhubazeka. Oku kubandakanya imiba enje ngezimali zangaphandle, ukuhlawulwa kwamatyala, kunye nezixhobo zokukhusela umngcipheko wenzala eyahlukileyo. Ngaphandle kwamathandabuzo zininzi izinto ezinokwenzeka kule meko.
Usebenzela ukulungelelaniswa kwendawo yokuhlala ngabantu abakhubazekileyo
Ngoku, kukho amaxesha apho ngubani unengxaki yokukhubazeka Uhlala nomntu onoxanduva lokhathalelo lwabo, kwezi meko ukuthathwa kotyalo mali ezindlini kuvumelekile ukuba nje kukho ukulungelelaniswa okanye ukufakelwa ukulungiselela ukuhanjiswa okanye unxibelelwano lomntu onesiphene.
Ubudlelwane obuvumelekileyo phakathi umnini wepropathi nabakhubazekileyo ukuba liqabane, okanye ukuba sisalamane esinomgca othe ngqo okanye wokudibana, nokuba ukudibana kuvunyelwe kwinqanaba lesithathu. Elinye inqaku kukuba, ukuba umnini ngokwakhe wayenokukhubazeka, utyalo-mali olwenziwe ukufezekisa uhlengahlengiso lokuqhuba ubomi bakhe, lunokubalwa nasekunciphiseni umthambo.
Ukuze ube nakho ukungqina ukuba olu hlengahlengiso lwenziwe ukuze ubenako ukuhlangabezana neemfuno zalo mntu kuthethwe ngaye, kufuneka kucelwe ukuqinisekiswa kolawulo olunobuchule, ukuze xa abalawuli berhafu bevuma uhlengahlengiso, inkqubo inokwenziwa Ukutsala. Njengenqaku lokugqibela, kufanele ukuba kukhankanywe ukuba ukuvunywa kufunyanwa ngesatifikethi okanye ngesisombululo esikhutshwe liziko lemfuduko kunye neenkonzo zentlalo.