Elinye lawona maphupha amahle abafuna ukuwafezekisa ngokukhawuleza bonke abantu abatsha ngu uthenga indlu. Nokuba ungafezekisa inkululeko elindelwe kudala yosapho, ukusuka kwindlu encinci eqeshiweyo uye kwipropathi eyeyethu, okanye ukuqala ubomi njengesibini, kubantu abasandul 'ukutshata ukuqala usapho, ukuthenga indlu bekuhlala kuyinto ezona njongo ziphambili nezibalulekileyo ebomini bakhe nawuphina umntu.
Qalisa nje ukujonga kwi injini yokukhangela uphando ukuze sikwazi ukufumana zonke iintlobo zokhetho kumnatha, ukusuka kumagumbi afanelekileyo abantu abangatshatanga, ukuya kumakhaya amahle emakhaya asenza sicinge ukuba ukuqala usapho linyathelo elilandelayo elilandelayo ekufuneka silithathile ukuya ebudaleni.
Nangona kunjalo, emva kwethutyana besingxangxamisa umnatha, inkohliso yethu iyawa ngokukhawuleza, kwaye ngequbuliso inyani isiza kuthi njengebhakethi lamanzi abandayo. Kungoko ke apho siyakuqonda khona amaxabiso ezinto, nokuba zincinci kangakanani na ezi zinto, ziphakanyisiwe ngophahla kumaxesha akhoyo, ngakumbi kwabo bantu batsha baqala ukuthatha amanyathelo abo okuqala kwaye abanamvuzo oxhasa nokuba kungenzeka isebe eliphantsi, ikhethekileyo xa usenza i imbali yamatyala, Ke ngoko, iimali mboleko ezinkulu aziboniswanga ziibhanki ezivumela ukuba siqinisekise ukuba ukuthengwa kwepropathi.
Ngokufanayo, ayingobantu abancinci kuphela ekufuneka bejongane nemeko enzima ekhoyo amaxabiso ezindlu nomhlaba, njengoko le ngxaki ihlala isenzeka kuzo zonke iintlobo zabantu kwiindawo ezahlukeneyo zelizwe. Eyona nto imbi ngayo kukuba izinto ziba nzima xa umntu ezama ukufumana ikhaya elikumaziko amakhulu ezemali, kulapho uninzi lwemisebenzi ikhoyo, nto leyo eyenza ukuba iindleko esele ziphezulu zezakhiwo.
Ukuqinisekisa njani indlu yamaphupha akho?
Ngenxa yoko, kuyindalo ukuba ngenxa yoko abantu abaninzi bakhetha i- Isisombululo ngakumbi ngakumbi ngokuhambelana nokusombulula imali kwabasebenzi kunye nodidi oluphakathi, Oko kukurenta izindlu okanye amagumbi. Kusenokwenzeka ukuba uninzi lwayo ibingayi kuba lukhetho lokuqala kodwa ngokuqinisekileyo lolona lusivumayo ukuba sakhe ubomi obuzimeleyo ngokukhawuleza nangokulula.
Kufanelekile ukuba sikhankanye ukuba esi sisombululo sinokuba lukhetho olukhulu lokuhlehlisa ukuthengwa kwekhaya, ubuncinci ngelixa umntu enokuthi azinze emsebenzini wakhe kwaye avelise ingeniso ethe kratya, kunye nokuqala ngolondolozo olusivumela ukuba sisondele kancinane injongo encinci yamlangazelela kakhulu Uphuhliso lomntu. Nje ukuba sibe nayo izibonelelo ezaneleyo zemali singabuyela emva ekukhangeleni umnatha nakwintengiso yendlu okanye indlu yamaphupha ethu.
Kukule ndawo apho kuvela enye into ebuyayo, apho kukho amaxesha amaninzi kwinto yokuba asinakho ukubutha isixa esipheleleyo se Ixabiso lepropathi, kwaye nangona sifuna ukuvumelana ngentengiselwano nomthengisi, uyala nje kwaye aqhubeke nokubonelela ngokuthengisa indlu yamaphupha ethu, okanye mhlawumbi uyasamkela okwangoku isithembiso sethu sokuhlawula inxenye kunye nezinye iintlawulo, kodwa emva koko iphele ukulala phantsi xa ufumana abanye abathengi.
Ukuthintela la mava mabi sinokubhenela kuxwebhu lodumo olwaziwayo njenge "Esona sivumelwano semali", esebenza ngokukuko ukuze sikwazi ukufumana indlu yamaphupha ethu iqinisekisa ukuba igcinelwe thina, nesiqinisekiso esisemthethweni phakathi, ukuba ayizukunikezelwa komnye umntu ngelixa siqokelela imali yexabiso lepropathi okanye siyenza iintlawulo ezihambelanayo ngexesha kunye nefom.
Yintoni isivumelwano seArras?
Ngamagama alula, ikhontrakthi yedipozithi ithathwa njengephambili, kodwa ngokomthetho, Oko kuthetha ukuba yi ikhontrakthi yabucala apho la maqela mabini ayityikityayo ayavumelana nokugcinwa kwangaphambili kwintengiso yempahla okanye yearhente yokuthengisa izindlu nomhlaba, enika utshintshiselwano, kunye nokunika uxwebhu olusemthethweni, isixa esithile semali esisebenza njengomqondiso, oko kukuthi, ukuthengwa kwesivumelwano sangaphambi kokusekwa kusekwe ukuthengwa okulandelayo yepropathi kwixa elizayo.
Ngamafutshane, a Ikhontrakthi yedipozithi luxwebhu onokuthembela kulo ekubeni ukwazi ukubeka bucala umzi okhuselekileyo okanye enye into, ukuze ukwazi ukuqokelela ixabiso lexabiso lalo ngexesha elithile kwaye kamva usayine uxwebhu lokuthenga ngolu hlobo.
Konke oku ngaphandle koloyiko lokuba ekuthabatheni ixesha ukuba uqokelele imali efunekayo, umthengisi uphula isithembiso sakhe aze aphele sele ethengisa loo nto komnye umntu, kuba leyo yiyo imali oyihlawulayo njenge-pre-contract okanye idipozithi yesivumelwano ilungiselelwe, ukuze iPropathi oyibekele bucala igcinwe sisivumelwano soqoqosho esisemthethweni kwaye hayi nje isivumelwano segama.
Este uhlobo lwesivumelwano Kuluncedo ngokufanayo kuwo omabini amaqela, kuba ukuba omnye wabo wophula isivumelwano, kuyakufuneka bajongane nezohlwayo ezithile eziguqulelwe kwilahleko zoqoqosho.
Ngokomzekelo, Ukuba umthengisi akaphumeleli ukuthobela isivumelwano esimiselweyo, ngenxa yesivumelwano esenziwe ngaphambili, kuya kufuneka ahlawule njengesohlwayo, aphindaphinde imali ayihambisileyo. ngumthengi xa esungula isivumelwano sangaphambi kwesivumelwano apho ipropathi ibibekelwe bucala, nto leyo ilahleko ebonakalayo kwezoqoqosho.
Kodwa ukuba kwelinye icala, Umthengi ngulowo ongathobeliyo isivumelwano esenziweyo kwaye agqibe ekubeni angagqibezeli ukuthengisa ipropathi, emva koko kuya kufuneka aqhelane nombono wokuphulukana, ngokuyinxenye okanye ngokupheleleyo, imali ayinike kwangaphambili ukubeka bucala ipropathi. Njengoko ubona, ikhontrakthi yedipozithi lukhetho oluhle kakhulu lwezomthetho ekungafuneki ukuba lusilele xa uzimisele ukukhangela okanye ukufumana ipropathi.
Ndingaqiniseka njani ngomthetho ngesivumelwano seArras?
Nangona kunjalo ikhontrakthi yedipozithi ayichazwanga ngokuthe ngqo kwiKhowudi yaseSpain, ukuba kubhekiswa koku xa kulawulwa iziphumo zomthetho ezifunyanwa emva kokutyikitya enye. Isalathiso sinokufumaneka kwinqaku le-1545 leKhowudi yoLuntu, emisela oku kulandelayo:
"Ukuba baye banikezela ngedipozithi okanye umqondiso kwisivumelwano sokuthenga kunye nentengiso, ikhontrakthi inokuyekiswa, umthengi avume ukuyilahla, okanye umthengisi ayibuyise ngeempinda."
Umyalezo ulula kakhulu kwaye umisela ngokusisiseko oko bekutshiwo ngaphambili, ukuba nabani na onqwenela ukwaphula ikhontrakthi yakhe angayenza, kodwa phantsi kwemeko yokunika imbuyekezo ngokwaphula isivumelwano, esiqulathe ukulahleka kwentlawulo kwangaphambili yomthengi okanye imbuyekezo ngexabiso eliphindwe kabini lemali eyanikwa kwangaphambili, ngumthengisi. Ewe, ngubani ofumana isohlwayo ekugqibeleni uya kuxhomekeka kuye nabani na owaphula isivumelwano kwasekuqaleni.
Ngezi zenzo, injongo yokugqibela yesivumelwano ikhuselwe, eyiyo qinisekisa kwaye ulondoloze ukusebenza kokugqibela kwentengiso, ukuze kungabikho namnye kumaqela athethathethanayo angathembani kuyo yonke inkqubo.
Iindidi zesivumelwano seArras
Njengamanye amaxwebhu, isivumelwano sedipozithi Inokuguquguquka okuvumela ukuba isetyenziselwe iinjongo ezahlukeneyo, ezinokwahluka kule mizekelo ilandelayo:
Uqinisekiso:
Oludidi lusebenza ukuqinisekisa ukuba ufuna ukuthengisa ngokusesikweni ipropathi, ke ukuba kukho naliphi na iqela elibandakanyekayo elingathobeliyo isivumelwano, ngokusebenzisa olu xwebhu, ukuthotyelwa okunyanzelekileyo kwesivumelwano kunokufunwa ngokusemthethweni, nto leyo eyenza uxanduva lokuphepha ukuhlawulwa kwembuyekezo ngomonakalo obangelwe.
Ukohlwaya
Olu khetho kukumisela ngokusemthethweni isixa somthengi oza kuphulukana okanye ekufuneka asibuyise, kabini, umthengisi kwimeko apho ukuthengwa okuyimpumelelo kungagqitywanga ngenxa yokungathobeli omnye wabathethathethwano.
Izohlwayo:
Kulapha apho ikhoyo igatya lesigwebo, elisebenza ukubanga isixa esimiselweyo ukuba ngaba naliphi na iqela liphule isivumelwano, ukongeza kwinto yokuba iya kuba negunya lokuba ukongeza kwimali ehlawulweyo, ukuzalisekiswa kwesivumelwano inokuphinda ibangwe kamva.
Ngokwesiqhelo, olona khetho lusetyenziswa kakhulu ngamagqwetha kunye neengcali ngalo mbandela yidipozithi yokohlwaya, kuba ngezi zinto ukuthembeka okukhulu kwisivumelwano kuyaqinisekiswa kuba isixa esiza kulahleka ngokungathobeli isivumelwano sinokubaluleka, ukuze kungabikho mntu Kuya kuba kuhle ukubuyela umva kwakube kufunyenwe ikhontrakthi yemali ethembekileyo.
Izinto ezifunekayo kwisivumelwano seArras
Kubo bonke abo banomdla misela ikhontrakthi yedipozithi, unokuxhomekeka kula maxwebhu alandelayo kunye neemfuno eziyimfuneko ekuyileni ikhontrakthi, ubuncinci kunye nedatha ngokubanzi ekufuneka ifezekisiwe ukucela ukutyikitywa kwesinye sezivumelwano ukuze kugcinwe ukuthengwa kwekhaya lakho elizayo okanye ipropathi.
Kufanele ukuba kukhankanywe ukuba ezi zedatha ezisisiseko ekufuneka zithathelwe ingqalelo kodwa eyona nto icetyiswayo kukuya kwigqwetha ukuze ikhontrakthi ibhalwe kakuhle kangangoko kwaye kungabikho nto iphazamisayo kwimeko yokuba isemthethweni.
- Idatha yobuqu yomthengi kunye nomthengisi, kunye nezazisi zabo ezihambelanayo.
- Inkcazo yekhaya.
- Ixabiso lokugqibela oza kulithenga ngalo ikhaya.
- Isixa semali esiza kuhlawulwa njengentlawulo eshiyekileyo, icacisa gca ukuba loo mali ichazwe kwi-akhawunti yokuthengwa kunye nokuthengiswa kwepropathi kwaye iyakutsalwa kwixabiso lokugqibela lendlu ngexesha lokusayina itayitile. Kwakhona khumbula ukuba ukuba indlu isandula ukwakhiwa, esi sixa kuya kufuneka sirhafiswe nge-10% VAT.
- Elona xesha liphezulu lokumisela ngokusemthethweni intengiso.
- Iindleko zempahla ezinokwenzeka.
- Ukuhanjiswa kweendleko zokuthenga kunye nokuthengisa.
Isiphelo
Ngaphandle kwamathandabuzo eyona ndlela yokuqinisekisa ukuthengwa kwekhaya lethu, kukwazisa kangangoko kunokwenzeka ngazo zonke iindlela ezisemthethweni esinazo ukuqinisekisa ukuba asinangxaki kwixesha elizayo, kwaye enye yezi ndlela, esingavunyelwanga ukuba sizityeshele, ziimvumelwano zedipozithi, Ewe kunjalo, kunganqweneleka ukuba ungazisebenzisi, kodwa kwimeko apho oku kuyenzeka, siyakuvuyela ukuba silumke ngesinye sezi zixhobo.