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Izindleko Zabaqashi Ababi eNingizimu Afrika | Kungani Ukuhlola Kuyazikhokhela

Indlu Team 3 imizuzu kufundza
Izindleko Zabaqashi Ababi eNingizimu Afrika | Kungani Ukuhlola Kuyazikhokhela

Umniniwe ngamunye wazi umuntu onendaba yesabeka. Umqashi owayeka ukukhokha ngemva kwezinyanga ezintathu. Lowo owashabalala ebusuku obodwa, eshiya u-R30,000 ekulimaleni. Lowo owalwa ukuphoqwa izinyanga eziyisishiyagalolunye kuyilapho imali yebhondi iqhubeka iphuma esikhwameni somniniwe.

Izindleko zabaqashi ababi eNingizimu Afrika yinto abaniniwe abaningi bakufunda ngendlela ebuhlungu. Lezi zenzeko azivelakancane — zivame kakhulu, futhi cishe zingavikeleka ngokuphelele. Le ndatshana ichaza izinombolo zangempela nokuthi kungani ukuhlola kuyazikhokhela.

Izindleko Zabaqashi Ababi: Lokho Izinombolo Zikubonisa

I-TPN Rental Monitor ilandelela ukuziphatha kokukhokha kwabaqashi kulo lonke iNingizimu Afrika. Imininingwane ibonisa isithombe esicacile:

  • Ku-12% kuya ku-18% wabaqashi bakhokha emuva noma yini isikhathi
  • Isikhathi esijwayelekile sokuphoqisa umqashi ongakhokhi ngokomthetho yizinyanga ezintathu kuya eziyisithupha
  • Kuphela u-40% wabaniniwe abasemagcekeni abenza noma yiluphi uhlobo lokuhlola ngaphambi kokusayina isivumelwano sokuqasha

Lelo statistikhi lokugcina liyisihluthulelo. Iningi labaniniwe linikeza okhiye kulowo ababengakagcinanga — bese belindele okuhle.

Izindleko Zangempela Zomqashi Omubi Oyedwa

Masihambe ngomumo oqondene nempilo. Uqasha ifulethi enamakamelo amabili eCape Town nge-R12,000/nyanga. Umqashi wakho uyeka ukukhokha ngemva kwenyanga yesine.

Imali Yokuqasha Elahlekile

Inqubo yomthetho yokuphoqisa eNingizimu Afrika (ngaphansi koMthetho Wokuvimbela Ukuphoqwa Okungemthethweni) kudinga isaziso, imizamo yokulamula, isicelo sekhotho, nokuphoqwa ngumphathi wekhotho. Ngisho nasecala elihle kakhulu, lokhu kuthatha izinyanga ezintathu. Ngokuvamile, kuthatha ezintathu kuya eziyisithupha.

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

Imali Yemantji

Uzodinga ummeli okubhekelela isicelo sokuphoqisa. Izindleko ziyahluka, kodwa imali ejwayelekile ihilela: ukubonisana nommeli nencwadi yokucela R2,000 – R5,000; ukulungisa isicelo sekhotho R8,000 – R15,000; ukuvela ekhotho (uma kunezingxabano) R5,000 – R10,000; izindleko zomphathi wekhotho R2,000 – R4,000.

Imali yemantji: R15,000 – R30,000

Ukulimala Kwesakhiwo

Abaqashi abangakhokhi abazi ukuthi baphoqwa bavame ukungaphathi indawo ngokunakekela. Ukulimala okuvamile kuhlanganisa izimbobo ezindongeni, iminyango ephukile, izinto zokukhanyisa ezisusiwe, amageyza, impompi engaphathekile, ukuwohloka kwegadi. Ngisho nokulimala okuphakathi nendawo kuvame kubiza u-R10,000 – R25,000. Isiqweqwe ngaphansi kwe-Rental Housing Act — uma ukuqoqe — kuvame kungayigcwalisi konke.

Ukulungisa ukulimala: R10,000 – R25,000 (ngemva kwesiqweqwe)

Izindleko Zokuqasha Kabusha

Uma isakhiwo sesilungisiwe, udinga umqashi omusha. Bala ukukhangisa R500 – R2,000, ukuhlanza nokulungisa R2,000 – R5,000, nesikhathi sokungabi namqashi (enye i-R6,000 – R12,000). Izindleko zokuqasha kabusha: R8,500 – R19,000

Isamba

Isamba sonke ngokuqasha okukodwa okubi: Imali elahlekile R60,000 – R72,000; Imali yemantji R15,000 – R30,000; Ukulimala R10,000 – R25,000; Ukuqasha kabusha R8,500 – R19,000.

Izindleko ziphelele: R93,500 – R146,000 — cishe izinyanga ezi-8 kuya ezi-12 zemali yokuqasha zicishwe yisinqumo esibi esisodwa.

Izindleko Ezifihliwe Nokungahloli

Iningi labaniniwe alihloli. Izizathu: “Zibiza kakhulu” — kodwa ukuhlola kubiza ngaphansi kuka-1% walokho umqashi omubi abizayo; “Ngiyakwazi ukukala umlingiswa” — kodwa abaqashi abaqeqeshiwe benza izimpression ezinhle; “Bakhuliswe umuntu engimaziyo” — izinkomba azishintshi ukuqinisekisa; “Ngidinga umuntu masinyane” — isakhiwo esingenamqashi sikubiza inyanga eyodwa, umqashi omubi izinyanga ezi-8 kuya ezi-12; “Inqubo iyinkimbinkimbi” — namuhla izinkundla zihlanganisa konke kudashi elilodwa.

I-ROI Yokuhlola

Ngaphandle kokuhlola: amathuba omqashi onenkinga ~15%, izindleko ezilindelwe R93,500 – R146,000, ukulahlekelwa ngonyaka R14,000 – R22,000. Ngokuhlola (Indlu R99/nyanga): izindleko zonyaka R1,188, ukuncipha kobungoti cishe 70-80%, ukulahlekelwa okulindelwe R2,800 – R6,600. Ukonga okunet: R8,000 – R18,000 ngonyaka ngesakhiwo — kumniniwe onezakhiwo ezintathu R24,000 – R54,000 ngonyaka, kusukela kutshalomali lwe-R1,188. Ibuya ku-20x kuya ku-45x.

Ukuhlola Okuhle

Inqubo ehlelekile: isicelo esibhaliwe; ukuqinisekisa ikheli (Home Affairs); ukuhlola kwekhredithi amabhuro amaningi (TPN, TransUnion, Experian); ukuqinisekisa umsebenzi nengeniso; izinkomba zabaniniwe abangaphambilini; ukuhlola ukukwazi ukukhokha (ngaphansi kuka-30%); ukuthobela i-POPIA. Yonke inqubo izinsuku, hhayi amaviki.

Ukuvimbela Kubiza Kancane

Abaniniwe baseNingizimu Afrika balahlekelwa izigidigidi zamarandi minyaka yonke. Iningi lalezi zilahleko ziyavikeleka. Ukuhlola akuyona into yokuziqhenya — kuyinqubo yokuphatha ubungoti eyabaniniwe bonke kufanele kubhekwe njengento engaphikiseki.

Bona ukuthi ukuhlola abaqashi kungavikela imali yakuqasha nokunciphisa ubungoti — ukuhlola amabhuro amaningi, ukuqinisekisa ikheli, nokuthobela i-POPIA kusukela kudashi elilodwa.

Ibhalwe ngu

Indlu Team

Sithinte