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Imiphumela yesibonelo
Inzalo eqoqwe ngamanani amadiphozithi ajwayelekile nezinga ngonyaka wesikhathi sonyaka omunye (ukuxuba ngenyanga).
| Idiphozithi | 5% ngonyaka | 6.5% ngonyaka | 8% ngonyaka |
|---|---|---|---|
| R 5 000,00 | R 255,81 inzalo | R 334,86 inzalo | R 415,00 inzalo |
| R 8 500,00 | R 434,88 inzalo | R 569,26 inzalo | R 705,50 inzalo |
| R 12 000,00 | R 613,94 inzalo | R 803,66 inzalo | R 995,99 inzalo |
Amanani nezinga lesibonelo afakelwe. Sebenzisa ikhalikhuleyitha ezingenhla ukuze ufake izinsuku nezizilungiselelo zakho.
Indlela yokubala inzalo yediphozithi isinyathelo ngesinyathelo
eNingizimu Afrika, i-Rental Housing Act (RHA) idinga abaqashi ukuthi batshale idiphozithi yomqashi ku-akhawunti ethola inzalo. Inzalo iyomqashi lapho ukuqasha kuphela, ngaphandle kwezinsuswa ezivumelekile ezifana nentela engakhokhelwa noma izindleko zokulungisa. Le khalikhuleyitha ilinganisa inzalo eqoqwe phakathi kwezinsuku ezimbili. Isebenzisa ukuxuba ngenyanga, njengoba amabhange amaningi akhipha inzalo ekubambeni imali ingxenye yonyaka.
Qoqa imininingwane yediphozithi yakho
Faka inani lediphozithi (imali eqashile ekhokhile ngesikhathi sokusayina). Engeza usuku lokuqala (ngokuvamile lapho idiphozithi itholwe noma ukuqasha kuqala) kanye nosuku lokuphela (ivame ukuba usuku lokuhlola noma ukubuyisela izikhiye). Sebenzisa izinga lenzalo yonyaka esitatimendeni lapho idiphozithi igcinwe khona. Uma isivumelwano sakho sokuqasha sikhawulela idiphozithi ezinyangeni ezimbili zentela, qiniseka ukuthi inani lakho lihambisana nalokho okutshalwe ngempela.
Bala isikhathi idiphozithi ebambwe ngaso
Ithuluzi libala zonke izinsuku zekhalenda kusukela ekuqaleni kuya ekupheleni, zombili zifakiwe. Lokho kuhlukaniswa ngo-365 noma u-366. Uma isikhathi sonke sisekonyakeni owodwa wekhalenda, onyaka ongujabule usebenzisa izinsuku ezingama-366; ngaphandle kwalokho u-365. Lokhu kufana nendlela abaqashi abaningi ne-Rental Housing Tribunal abhekana ngayo nezikhathi ezimfishane zokuhlala.
Qonda ukuxuba ngenyanga
Ukuxuba kusho ukuthi inzalo ibalwa ebhalansini ekhulayo, hhayi kuphela ediphozithini yokuqala. Njalo ngenyanga, ingxenye eyodwa yeshumi nambili yezinga lonyaka isetshenziswa. Lezi zinyathelo eziyishumi nambili zenyanga zilinganiswa ngesigamu sonyaka obambe ngaso imali (izinsuku zihlukaniswe ngezinsuku zonyaka). Umphumela uwubhalansi ngemva kwenzalo; susa idiphozithi ukuze uthole inzalo edingekayo.
Sebenza ngefomula
Bheka ibhlokhi yefomula ngezansi. Ngamagama alula, idiphozithi ikhula ngokusebenzisa izinga lenyanga ngokuphindaphindiwe ngesikhathi sokubamba. Inzalo uwubhalansi wokugcina minus idiphozithi. Isamba sokubuyisela ngaphambi kwezinsuswa yidiphozithi plus inzalo.
Sebenzisa izinsuswa ezivumelekile ekubuyiseleni
Ngemva kwenzalo, umlawuli angasusa kuphela izinto ezivumelekile ezivunyelwe esivumelwaneni noma ezisekelwe ubufakazi: intela engakhokhelwa, umonakalo ngaphezu kokusetshenziswa okujwayelekile, ukuhlanza okwanele, noma ezinye izindleko ezamukelwe yi-Tribunal. Ibhalansi kufanele ikhokhelwe kumqashi ngesikhathi esivumelekile. Uma uphikisana ngenani, ungafinyelela ku-Rental Housing Tribunal esifundazweni sakho.
Ifomula esetshenziswa kule thuluzi
Interest = Deposit × (1 + rate÷12)^(12 × days÷yearDays) − Deposit Total = Deposit + Interest
Deposit: inani eliyinhloko elitshaliwe. rate: amaphesenti enzalo yonyaka (ngonyaka) ku-akhawunti. days: izinsuku zekhalenda ezibanjwe, ukuqala nokuphela kufakiwe. yearDays: u-365 noma u-366 uma isikhathi sisekonyakeni owodwa ongujabule noma ovamile. (1 + rate÷12): iguqula izinga lonyaka libe yisici sokukhula senyanga. 12 × days÷yearDays: usabalalisa izinyathelo eziyishumi nambili zokuxuba ngenyanga esikhathini sakho sokubamba. Susa i-Deposit ekugcineni ukuze umugqa ubonise inzalo kuphela, hhayi ibhalansi ephelele.
Lokhu kuyisilinganiso sokuhlela nokuxoxisana, hhayi iseluleko somthetho. Amanye amacala e-Tribunal asebenzisa inzalo elula esikhundleni sokuxuba. Hlala uqhathanisa umphumela nesitatimende sakho sebhange nesivumelwano sakho sokuqasha esisayiniwe.
Imibuzo evame ukubuzwa
Ingabe idiphozithi yami kufanele ithole inzalo?
Yebo. I-Rental Housing Act idinga ukuthi amadiphozithi atshalwe ku-akhawunti ethola inzalo, futhi inzalo ikhokhelwe kumqashi lapho kuqedwa, ngaphandle kwezinsuswa ezivumelekile.
Yini engasuswa ediphozithini yami?
Izinsuswa ezivumelekile zivamise ukuhlanganisa intela engakhokhelwa, umonakalo ngaphezu kokusetshenziswa okujwayelekile, nezindleko zokuhlanza ezivunywenwe, ezisekelwe ubufakazi njengama-quote noma amarisidi.
Kufanele idiphozithi ibuyiselwe ngokushesha kangakanani?
Ayikho inombolo yesikhathi esimisiwe ngokomthetho, kodwa abanikazi bavame ukuhlosele izinsuku ezi-7–14 ngemva kokunikezwa nokuhlola. Ukubambezeleka okungafanele kungaphikiswa ku-Rental Housing Tribunal.
Ingabe lesi yiseluleko somthetho?
Cha. Leli khalikhuleyitha linikeza isilinganiso ngokwezinto ozifakile. Xhumana nomshushisi noma ne-Tribunal ngezingxabano noma izimo eziyinkimbinkimbi.