Izimali zomuntu ngokungangabazeki zingenye yezinkinga eziyinkimbinkimbi kakhulu ukulawula kahle, futhi kunamagama amaningi nezinkinga eziningi okufanele sizihlaziye ukuze sikwazi ukulawula kangcono. Kepha kufanele sicabangele ukuthi nathi kufanele sithathe eminye imithetho njengesethenjwa ukuze sikwazi ukuphatha izimali zethu kahle. Kulesi sihloko sizokhuluma ngqo nge Ukudonswa kokutshalwa kwemali yokuhlala.
Lo mkhawulo wezomthetho ubheka Izimo ezi-5 ezihlukenePhakathi kwazo kukhona ukutholwa noma ukuvuselelwa kwendawo yokuhlala ejwayelekile, njengephuzu lesibili ukwakhiwa noma ukunwetshwa kwendawo yokuhlala ejwayelekile, iphuzu lesithathu ukuqeda, njengephuzu lesine sithola imisebenzi yezinsiza zokulungiswa kwendawo yokuhlala ejwayelekile abakhubazekile; futhi ekugcineni singathola imisebenzi nezinsiza zokuzivumelanisa nendawo yokuhlala ejwayelekile yabantu abakhubazekile. Ake sihlaziye amaphuzu ngamunye ngamunye.
Sizokuveza ukuthi le migomo eyokuthengwa kwekhaya kuphela ngaphambi kukaJanuwari 01, 2013, ngemuva kwalokho ayinayo intela
Ukutholwa noma ukuvuselelwa kwendawo yokuhlala ejwayelekile
Esimweni esinjalo sebenzisa iphesenti lika-7,5% kokubili esigabeni sombuso nasesigabeni esizimele; futhi ukusetshenziswa kwaleli phesenti lokudonswa kusebenza njengokuthathwayo amanani akhokhwayo ngonyaka, ukuze imali mboleko ebiceliwe ikhishwe, kanye nenani elikhokhwa ngokheshi ngumthengi.
La isisekelo esiphezulu sokudonswa lokho kusebenza kuleli cala kulingana nama-euro angu-9.040 ngenyanga; futhi lokhu kufanele kwenziwe yizo zonke izamba ezikhokhelwe ukuthola noma ukuvuselela ikhaya; Izindleko zingafaka ekubaleni kwazo izindleko ezihambisanayo zokunciphisa inani lentengo, kanye nezindleko zalawo mathuluzi afakiwe ukuvikela ubungozi obuvela kusilinganiso senzalo eguquguqukayo.
Inani eliphakeme elizodonswa lisebenza kuzindleko eziphelele ezitholakele, ngakho-ke zonke izimali ezithintekayo zingangezwa; Lokhu kusitshela nokuthi inani eliphakeme elizodonswa liyinani elilodwa, ngeke sikwazi ukukhipha imali engaphezu kwaleyo evunyelwe, noma ngabe izindleko zitholwe kuma-akhawunti ahlukene.
Manje, kunezindleko ezithile ezinganakwa ekubanjweni, futhi izindleko ezitholwe ngendlela ejwayelekile ukugcina isimo sezimpahla ezibonakalayo zifakiwe, okungukuthi, izindaba ezinjengokudweba azifaki ukudonswa. Futhi ukushintshwa kwezinto zasendlini akuvumelekile ukuthi kudonswe, ezinye izibonelo zalokho ukufakwa kokushisa noma iminyango yokuphepha ekhaya.
Ukwakhiwa noma ukunwetshwa kwendawo yokuhlala ejwayelekile
Ngaphakathi kwalesi sigaba singafaka i- ukuthengwa kwendlu noma ukunwetshwa okufanayo, inqobo nje uma unemigomo elandelayo.
Into yokuqala ukwakhiwa kwe- Indlu ejwayelekile. Lokhu kwenzeka lapho umkhokhi wentela kunguye owanelisa ngqo izindleko ezivela emisebenzini eyenziwayo; Futhi kufakwe nezikhathi lapho amanani ahanjiswa khona nge-akhawunti kunoma ngubani ongumgqugquzeli wemisebenzi eshiwo; kodwa kufanele kuqashelwe ukuthi lokhu kusebenza kuphela uma isikhathi singeqi eminyakeni emi-4, sithatha njengesiqalo lapho utshalomali luqala khona.
Ingxenye yesibili okufanele ibhekwe yi- ukunwetshwa kwendawo yokuhlala, Kulokhu sikhuluma ngezimo lapho indawo ehlala abantu inyuka khona; Lokhu kukhombisa ukuthi kuvumelekile uma sinengadi bese sinquma ukwakha kuleyo ndawo. Kubaluleke kakhulu ukuthi ukuze kwenziwe lokhu kudonswa kwemali kusebenze, izinsuku ziyabhekelelwa, ngoba kulokhu sisebenza ngokuqinile ngosuku lokuqedwa komsebenzi nasekukhokhweni kwemali ehambelana nalokhu kutshalwa kwezimali.
Ngesizathu sokuthi Izikhathi zokugcina zibaluleke kakhuluKuyathakazelisa ukusho ukuthi yize kunomnqamulajuqu obekiwe wokuphothulwa kwemisebenzi, umthetho uphinde uqinisekise ukuthi ezimweni ezehlukile lapho umkhokhi wentela engakwazi ukuthonya, ukwelulwa kweminyaka engu-4 kunganikezwa ukuze akwazi ukuqeda imisebenzi. Kepha ukuze lokhu kuvunyelwe, isicelo kumele senziwe ekuthumeleni i-ejensi yokuphatha intela yombuso.
Ukuqedela
Kulesi sigaba se- ukudonswa kwendawo yokuhlala ejwayelekile kunezigaba eziningana, owokuqala ukhombisa ukuthi imininingwane edingekayo yokubala ukukhishwa usuku lokutholwa kwempahla, kanye namanani abekiwe ukuze kutholakale impahla; maqondana nenani eliphakeme lotshalo-mali ngama-euro angama-9040. Kubalulekile futhi ukucacisa ukuthi uma izindleko zethu zikhulu kunale mali, ngeke sikwazi ukukhipha umehluko eminyakeni ezayo.
Eminye imiqondo engaphathwa maqondana nalokhu singayenza ukubalulwa kwamanani emali ezitshaliwe ngenhloso yokukwazi ukwakha, ukuvuselela noma ukunweba indawo yokuhlala ejwayelekile, lokhu kungakhathalekile ukuthi imali itholakala ngezimali noma uma umuntu etshale imali yonke kusukela ekuqaleni.
Ake sikhulume manje ngamaphoyinti wolwazi esiwadingayo ukuze sikwazi ukukhipha ngendlela efanele ekugcineni. Ake siqale ngenombolo yokukhomba ye- loan loan, uma kwenzeka lokhu kube yindlela yokuthola ikhaya lethu. Ngenxa yalokhu, kufanele kukhunjulwe ukuthi imali mboleko kumele ibe nenombolo kamazisi, futhi umkhokhi wentela kumele abe nale nombolo ukuze akwazi ukuyifaka njengokubanjwayo.
Elinye iphuzu okufanele libhekwe yiphesenti elihambelana nemalimboleko yempahla enikezwe i- utshalomali ezindlini; Lokhu kusebenza ezimweni lapho ukutholwa kwenziwa khona ngengxenye yokuzilawula kanye nengxenye exhaswa yibhizinisi elizimele. Kubaluleke kakhulu ukuthi sicacelwe ngokusobala ukuthi lithini leli phesenti, ngaleyo ndlela izinqubo zizoba lula futhi akukho ukuphikiswa okuzokwethulwa kithi lapho sithatha isinqumo sokubamba imali.
Ukuze sikwazi ukubheka izindleko ezizodonswa, kubalulekile ukuthi sikhombise ngokusobala ukuthi yiziphi izinkokhelo ezenziwa ngqo kunjiniyela noma ubani obhekene nokwakha. Kuyadingeka futhi ukuthi unake ukuthi I-NIF yophromotha noma ngabe ngubani owakha ikhaya.
Ukufakwa noma ukujwayela imisebenzi yendawo yokuhlala yabakhubazekile
Okunye kwe- izindleko, noma izimali, esingacabanga ukuthi yizo ezenziwa ngenhloso yokuzivumelanisa nezakhiwo ukuze umuntu okhubazekile akwazi ukusebenzisa ngokugcwele izakhiwo zasekhaya lakhe. Le nkambu ibandakanya nemali etshalwe ezindaweni ezivamile zesakhiwo, noma ephasishi eliphakathi kwepulazi nomgwaqo omkhulu womphakathi; Ngale ndlela singakucacisa ukuthi zonke lezi zimali zingadonswa, kepha yiliphi inani eliphakeme okufanele likhishwe?
Ukuze kukhuthazwe lolu hlobo lwezinsiza zokufakwa emphakathini, uhulumeni unikeza a ukudonswa okuphezulu kwama-euro angama-12080 ngonyaka. Lesi samba kufanele senziwe ngamanani emali asetshenziswe ngesikhathi sokuzivocavoca; kepha le mali kufanele ihambisane nokwenziwa komsebenzi, kanye nokufakwa okwenzelwe ukulungiswa.
Ezinye izimali esingazifaka kuzo zonke izindleko ezivela emsebenzini, futhi ezihlanganiswe ngumkhokhi wentela ngokukhubazeka. Lokhu kufaka izingqinamba ezinjengezezimali zangaphandle, ukwehliswa kwemali, kanye nezinsimbi zokugoqa ubungozi besilinganiso senzalo eguquguqukayo. Kukhona amathuba amaningi kulokhu.
Isebenzela ukulungiswa kwendawo yokuhlala ejwayelekile ngabantu abakhubazekile
Manje, kunezikhathi lapho obani uhlushwa ukukhubazeka uhlala nomuntu obhekele ukunakekelwa kwakhe, kulezi zimo ukuncishiswa kotshalomali ezindlini kuvunyelwe inqobo nje uma kukhona ukulungiswa noma ukufakwa ngenhloso yokukwazi ukuhambisa ukuthuthwa noma ukuxhumana komuntu okhubazekile .
Ubudlelwano obuvunyelwe phakathi umnikazi wendawo kanye nabakhubazekile uma kungumlingani, noma uma kuyisihlobo esinomugqa oqondile noma wesibambiso, ngisho nokusondelana kuvunyelwe kufinyelela ezingeni lesithathu. Elinye iphuzu ukuthi, uma umnikazi uqobo engakhubazeka, utshalomali olwenziwe ukufeza izinguquko ukwenza lula impilo yakhe, lungabalwa nasekunciphiseni lo msebenzi.
Ukuze ukwazi ukufakazela ukuthi lezi zinguquko zenziwa ukuze kuhlangatshezwane nezidingo zalowo muntu oshiwo, kumele kucelwe isitifiketi sokuphathwa okufanele, ngakho-ke lapho abaphathi bezentela bevuma ukulungiswa, inqubo ingaqhutshwa.ukudonswa. Njengombhalo wokugcina, kufanele kushiwo ukuthi ukugunyazwa kutholwa ngesitifiketi noma ngesixazululo esikhishwe yisikhungo sokufuduka nezinsizakalo zenhlalakahle.