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Izindleko Zabaqashi Ababi eNingizimu Afrika | Kungani Ukuhlolwa Kuyakhokha

Indlu Team 5 imizuzu ukufunda
Izindleko Zabaqashi Ababi eNingizimu Afrika | Kungani Ukuhlolwa Kuyakhokha

Wonke umnini owazi umuntu onendaba yokwesabeka. Umqashi owayeka ukukhokha emva kwezinyanga ezintathu. Lowo owanyamalala ebusuku, eshiya u-R30,000 umonakalo. Lowo owalwa ukuxoshwa izinyanga eziyisishagalolunye kuyilapho inkokhelo yebhondi yaqhubeka iphuma esikhwameni somnini.

Izindleko zabaqashi ababi eNingizimu Afrika yinto abanini abaningi kakhulu bakufunda ngendlela enzima. Lezi zenzeko azivamile — zivame kakhulu, futhi cishe zingavikelekile ngokuphelele. Le ndatshana ibeka amanani angempela nokuthi kungani ukuhlolwa kuzikhokhela.

Izindleko Zabaqashi Ababi eNingizimu Afrika: Okubonisa Amanani

I-TPN Rental Monitor ilandelela ukuziphatha kwabaqashi ekukhokheni kuyo yonke iNingizimu Afrika. Idatha idweba isithombe esicacile:

  • Ukuya ku-12% kuya ku-18% wabaqashi bakhokha emuva noma kunini
  • Isikhathi esiphakathi sokuxosha umqashi ongakhokhi ngokomthetho izinyanga ezi-3 kuya ku-6
  • Kuphela u-40% wabanini abazimele benza noma yiluphi uhlobo lokuhlolwa ngaphambi kokusayina ilease

Lelo statistikhi lokugcina liyisihluthulelo. Iningi labanini linikeza okhiye omuntu abangakaze baqinisekise — bese belindela okuhle.

Umqashi Omubi Owodwa Empeleni Ubiza Malini

Masihambe ngomumo ongokoqobo. Uqasha ifulethi enemabhedroom amabili eCape Town nge-R12,000/inyanga. Umqashi wakho uyeka ukukhokha emva kwenyanga yesine.

Imali Yeholo Elahlekile

Inqubo yokuxosha ngokomthetho eNingizimu Afrika (ngaphansi kwe-Prevention of Illegal Eviction from and Unlawful Occupation of Land Act) idinga isaziso, imizamo yokulamula, isicelo senkantolo, nokwenziwa yisheferi. Ngisho esimweni esihle kakhulu, lokhu kuthatha izinyanga ezintathu. Ngokuvamile, kuthatha ezintathu kuya eziyisithupha.

Iholo elahlekile: R60,000 – R72,000 (izinyanga ezi-5-6 nge-R12,000)

Izindleko Zomthetho

Uzodinga ummeli ukubamba isicelo sokuxoshwa. Izindleko ziyahluka, kodwa izindleko ezijwayelekile zihlanganisa:

  • Ukuxoxisana nommeli nencwadi yokucela: R2,000 – R5,000
  • Ukulungisa isicelo senkantolo: R8,000 – R15,000
  • Ukuvela enkantolo (uma kuphikiswana): R5,000 – R10,000
  • Izindleko zisheferi zokwenziwa: R2,000 – R4,000

Izindleko zomthetho: R15,000 – R30,000

Umonakalo Wempahla

Abaqashi abangakhokhi abazi ukuthi baxoshwa bavame ukungayiphathi impahla ngokunakekela. Umonakalo ovamile uhlanganisa:

  • Izimbobo ezindongeni, iminyango ephukile nezingxenye
  • Izinto zokukhanyisa ezisusiwe, amagesi, noma izinto zokusebenza
  • Iplumbing engadinwa okuholela emonakalweni wamanzi
  • Ukudilika kweginga nangaphandle

Ngisho umonakalo ophakathi nendawo uvame ukubiza u-R10,000 – R25,000 ukuze ulungise. Idiphozithi ngaphansi kwe-Rental Housing Act — uma uyiqoqe — ivame ukungayibozi konke, ikakhulukazi emva kokukhokhelwa kwenzalo.

Ukulungisa umonakalo: R10,000 – R25,000 (ngemva kwediphozithi)

Izindleko Zokuqasha Kabusha

Uma impahla isilungisiwe, udinga umqashi omusha. Faka:

  • Ukukhangisa: R500 – R2,000
  • Ukuhlanza nokubeka: R2,000 – R5,000
  • Isikhathi sokungasebenzi ngenkathi uthola umqashi omusha: amasonto ama-2-4 (elinye iholo elahlekile R6,000 – R12,000)

Izindleko zokuqasha kabusha: R8,500 – R19,000

Isamba

Sikuhlanganisa konke ukuqasha okukodwa okubi:

  • Iholo elahlekile: R60,000 – R72,000
  • Izindleko zomthetho: R15,000 – R30,000
  • Umonakalo: R10,000 – R25,000
  • Ukuqasha kabusha: R8,500 – R19,000

Isamba sonke: R93,500 – R146,000

Ngokwesimo, lokho cishe izinyanga ezi-8 kuya ku-12 zemali yeholo zisuliwe yisinqumo esibi esisodwa.

Izindleko Ezifihliwe Abangakhulumi Ngazo

Umonakalo wezezimali uyingxenye yodwa yendaba. Ukuqasha okubi kukhipha izindleko ezingaveli kunoma iyiphi i-invoyisi.

Umthwalo Wemizwa

Ukubhekana nomqashi ongakhokhi kucindezeleka. Imilayezo ebusuku, izithembiso ephukile (“ngizokhokha ngesonto elizayo”), ukungaqiniseki komthetho. Abanini bavame ukubika ukukhathazeka, ukuphazamiseka kokulala, nokunciphiswa kobudlelwane ngesikhathi seminqubo zokuxoshwa ezide.

Inzuzo Ethelwe

Ironi ngayinye ochitha ukuphishekela izikweletu ezingakhokhwa, ukuhlangana nabameli, nokuqapha ukulungisa iyironi engachithwa emsebenzini wakho, emndenini wakho, noma ekutholeni amathuba amahle okutshala. Kubanini abaphatha izakhiwo ndawonye nomsebenzi ogcwele, isikhathi sibaluleke kakhulu.

Umfutho Webhondi Nokugeleza Kwemali

Uma ukhokha ibhondi empahleni, ibhange alinandaba ukuthi umqashi wakho akakhokhi. Ukwehluleka ukukhokha inkokhelo yehhondi ngokwanele futhi usengozini yerekhodi lakho lezikweletu — noma okubi kakhulu, ibhange libiza imali.

Izinkinga Zomshwalense

Umshwalense ojwayelekile womnini wekhaya awumbozi umonakalo owenziwe umqashi noma ukulahlekelwa kwemali yeholo (ngaphandle kokuthi unomshwalense wokuqasha okukhethekile). Abanini abaningi bakuthola lokhu sekwedlule.

Kungani Abanini Bengahloli?

Uma izindleko zomqashi omubi ziphakeme kangaka, kungani u-60% wabanini bephula ukuhlolwa? Izizathu zinomuntu ngokumangazayo:

“Kubiza kakhulu”

Ukuhlolwa kwezikweletu komuntu ngamunye kubiza u-R50-R150 ngebhuro. Ibhagethi yokuhlolwa yamabhuro amaningi ibiza R200-R400 umfaki izicelo. Uma uhlola abakhandidathi abathathu isikhala esisodwa, lokho ngu-R600-R1,200 ephuma esikhwameni — ngaphandle kwesiqinisekiso sokuthi uzothola umuntu ofanelekayo.

Iqiniso: Izindleko zokuhlolwa zingaphansi kuka-1% yalokho umqashi omubi abiza. Akuyona indleko — ukuvikeleka.

”Ngiyakwazi ukwahlulela isimilo”

Abanini abaningi bathemba izinstinct zabo kusukela ekubukeni noma ezingxoxweni. Umfaki izicelo wayegqoke kahle, wayenomusa, futhi wayenokuxhawula okuqinile.

Iqiniso: Abaqashi abanolwazi — abantu abaqhatha abanini ngamabomu — bangochwepheshe ekwenzeni umbono wokuqala omuhle. Ukuhle kwemizwa akukhokhi iholo. Idatha iyakhokha.

”Bebekhonjwe umuntu engimaziyo”

Ukukhonjwa komuntu siqu kuzizwa kuphephile. Uma umzalwane womqabane wakho udinga indawo, ngempela ingozi ephansi?

Iqiniso: Ukukhonjwa kuyisiqalo esihle, kodwa akuyona indlela yokuqinisekisa okuhluziwe. Umuntu omuhle emphakathini angase abe nedebthi engu-R100,000 namaxoshwa amabili adlule.

”Ngidinga umuntu ngokushesha”

Isikhala sibiza imali. Lapho impahla ihleli ingenamuntu, umfutho wokugcwalisa ngokushesha ungadlula ukuqaphela.

Iqiniso: Impahla engenamuntu ikubiza iholo lenyanga eyodwa. Umqashi omubi ukubiza izinyanga ezi-8 kuya ku-12. Ukuthatha amasonto amabili engeziwe ukuhlola kahle kuyakuvikeleka okushibilikayo kakhulu ozokuthenga.

”Inqubo inzima kakhulu”

Ukubhalisa namabhuro ezikweletu, ukuthola imvumo ye-POPIA, ukuchaza imibiko — kungazizwa kudida, ikakhulukazi kumnini onesakhiwo esisodwa noma ezimbili.

Iqiniso: Lokhu kwake kwaba iqiniso. Namuhla, izinkundla zokuphatha ukuqasha zihlanganisa yonke inqubo kudashi elilodwa. Bheka umhlahlandlela wethu wokuhlola abaqashi eNingizimu Afrika indlela ehlelekile ethatha izinsuku, hhayi amasonto.

I-ROI Yokuhlolwa

Masibenze umsebenzi wamanani ngokucacile:

Ngaphandle kokuhlolwa:

  • Amathuba omqashi onenkinga (kususelwa kudedatha ye-SA yezikweletu ezingakhokhwa): ~15%
  • Inzuzo elindelwe ukuqasha okubi: R93,500 – R146,000
  • Ukulahlekelwa kwaminyaka yonke (isakhiwo esisodwa, ukushintshana komqashi owodwa): R14,000 – R22,000

Ngokuhlolwa (kusebenzisa i-Indlu ku-R99/inyanga):

  • Inzuzo yonyaka: R1,188
  • Ukuncishwa kwengozi yomqashi omubi: kulinganiselwa 70-80% (kususelwa kudedatha yemboni ekhombisa abaqashi abahloliwe bewehluleka ngamanani aphansi kakhulu)
  • Ukulahlekelwa kwaminyaka yonke emva kokuhlolwa: R2,800 – R6,600

Ukonga okusha: R8,000 – R18,000 minyaka yonke, isakhiwo ngasinye.

Kumnini onezakhiwo ezintathu, lokho ngu-R24,000 – R54,000 minyaka yonke ekugwemeni ukulahleka — kusukela ekutshaleni konyaka kwe-R1,188. Lokho buyisa ukuya ku-20x kuya ku-45x.

Ukuhlolwa Okuhle Kubukeka Kanjani

Ukuhlolwa kwabaqashi okuphumelelayo akudingi degree yomthetho noma amahora ezingcingweni. Inqubo ehlelekile ibandakanya:

  1. Isicelo esibhaliwe — ifomu elijwayelekile eliqoqa yonke imininingwane edingekayo
  2. Ukuqinisekiswa kwe-ID — ukuhlola okuzenzakalelayo kwe-Home Affairs
  3. Ukuhlolwa kwezikweletu kwamabhuro amaningi — TPN, TransUnion, ne-Experian ukuze uthole isithombe esiphelele (amabhuro abika umlando wokukhokha kokuqasha nokuziphatha kwezikweletu)
  4. Ukuqinisekiswa komsebenzi nengeniso — amaphepha eholo, izitatimende zebhange, ukuqinisekiswa komqashi
  5. Izinkomba zabanini abadlule — imibuzo ehlelekile, hhayi nje “babekahle?”
  6. Ukuhlola ukukwazi ukukhokha — isilinganiso seholo-kuya-ku-ngenayo ngaphansi kuka-30%
  7. Ukuthobela i-POPIA — imvumo ebhaliwe ngaphambi kwanoma yikuphi ukucubungula idatha

Yonke inqubo kufanele ithathe izinsuku, hhayi amasonto. Ngamathuluzi afanelekile, iningi kungaqedwa ngokuhlala okukodwa.

Ukuvikeleka Kuncane Kunokuphulukiswa

Abanini baseNingizimu Afrika ndawonye balahlekelwa izigidigidi zamarandi minyaka yonke ngenxa yokwehluleka kwabaqashi, umonakalo wempahla, nezindleko zokuxoshwa. Iningi lezi zilahleko lingavikelekile.

Ukuhlolwa akuyona indlela yamakampani amakhulu — kuyinqubo yokuphatha ingozi eyisisekelo wonke umnini, kusukela kumtshali wendawo eyodwa kuya kumnini wephothifoliyo, kufanele kubhekwe njengokungaphikiseki.

Umbuzo akuwona ukuthi ingabe uyakwazi ukukhokhela ukuhlola abaqashi. Ungabe uyakwazi ukungakhokheli. Ukunciphisa izindleko zabaqashi ababi eNingizimu Afrika kuqala ngokuhlola wonke umfaki izicelo kahle.

Bona indlela ukuhlolwa kwabaqashi kungavikela imali yakho yeholo futhi kunciphise ingozi yezikweletu ezingakhokhwa nokuxoshwa — ukuhlolwa kwamabhuro amaningi, ukuqinisekiswa kwe-ID, nokuthobela i-POPIA kusuka kudashi elilodwa.

Itlolwe ngu

Indlu Team

Sixhumaneni