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Imiphumela yesibonelo
Inzalo leyiwe ngemanani lamadiphozithi lajwayelekile nezinga ngonyaka wesikhatsi sonyaka munye (kuhlanganisa 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 |
Emanani nezinga lesibonelo lakafakwe. Sebentisa ikhalikhuleyitha lezingenhla kute ufake emalanga nezilungiselelo zakho.
Indlela yekubala inzalo yediphozithi ngekinyatsela ngekinyatsela
eNingizimu Afrika, i-Rental Housing Act (RHA) idzinga batalandi ukuba batjale idiphozithi yomqashi ku-akhawunti lethola inzalo. Inzalo iyomqashi lapho ukuqasha kuphela, ngaphandle kwekususwa lokuvumelekile njengentela lengakhokhelwanga noma tinhlawulo tekulungisa. Leli khalikhuleyitha linganisa inzalo leqoqwe phakati kwemalanga lamabili. Lisebentisa kuhlanganisa ngenyanga, njengamabhange lamanyenti akredita imali yekonga ngezingxenye zonyaka.
Butsatsa imininingwane yediphozithi yakho
Faka inani lediphozithi (imali umqashi ayikhokhile ngesikhathi kusayina). Engeta lilanga lekuqala (ngokuvamile ngetikhathi idiphozithi itholakala noma ukuqasha kuqala) kanye nelilanga lekuphela (ngokuvamile lilanga lekuhlola noma kubuyisela tikhi). Sebentisa izinga lenzalo yonyaka kusitatimende lapho idiphozithi igcinwe khona. Uma isivumelwano sakho sokuqasha sinciphisa idiphozithi kweinyanga ezimbili zentela, cinisekisa kutsi inani lakho lihambisana nalokho lokutjaliwe ngempela.
Bala sikhatsi idiphozithi ibanjwe ngaso
Sisetjentiswa sibala onkhe emalanga ekhalenda kusuka ekuqaleni kuya ekupheleni, lamabili lahlanganisiwe. Lokho kuhlukaniswe ngo-365 noma u-366. Uma sikhatsi sonkhe sisekonyakeni owodwa wekhalenda, unyaka lonjabulako usebentisa emalanga langu-366; ngaphandle kwaloko u-365. Lokhu kufana nendlela batalandi labanyenti ne-Rental Housing Tribunal abajongana ngayo nebikhatsi lebimfutshane bekukhala.
Utwisisa kuhlanganisa ngenyanga
Kuhlanganisa kusho kutsi inzalo ibalwa ebalansini lekhulako, hhayi kuphela ediphozithini yekucala. Ngenyanga ngenyanga, ingxenye yinye yeshumi nambili yezinga lonyaka isebentiswa. Letinyatselo letishumi nambili tinyanga tilinganiswe esigameni sonyaka lobambe ngaso imali (emalanga ahlanganiswe nemalanga enyaka). Umphumela yibhalansi ngemva kwenzalo; susa idiphozithi kute utfole inzalo leyidzingekako.
Sebentisa ifomula
Buka ibhlokhi yefomula ngezansi. Ngamagama alula, idiphozithi ikhula ngokusebentisa izinga lenyanga ngokuphindzelela ngesikhatsi sekubamba. Inzalo yibhalansi yekugcina minus idiphozithi. Sibalo sekubuyisela ngaphambi kwekususwa yidiphozithi plus inzalo.
Sebentisa kususwa lokuvumelekile ekubuyiseleni
Ngemva kwenzalo, umlawuli angasusa kuphela tintfo letivunyelwe esivumelwaneni noma letisekelwe bufakazi: intela lengakhokhelwanga, monakalo ngaphezu kwekusetjentiswa, kucoca lokwanele, noma tinhlawulo letamukelekile Tribunal. Ibhalansi kufanele ikhokhelwe kumqashi ngesikhatsi lesifanele. Uma uphikisana ngesixa, ungafinyelela ku-Rental Housing Tribunal ephondo lakho.
Ifomula lesetjentiswa kulesi sisetjentiswa
Interest = Deposit × (1 + rate÷12)^(12 × days÷yearDays) − Deposit Total = Deposit + Interest
Deposit: inani leliyinhloko letitjaliwe. rate: amaphesenti enzalo yonyaka (ngonyaka) ku-akhawunti. days: emalanga ekhalenda labanjwe, kuqalwa nekuphela kufaka. yearDays: u-365 noma u-366 uma sikhatsi sisekonyakeni owodwa lonjabulako noma lovamile. (1 + rate÷12): igucula izinga lonyaka libe yinto yekukhula kwenyanga. 12 × days÷yearDays: kusasaza tinyatselo letishumi nambili tekuhlanganisa ngesikhatsi sekubamba. Susa iDeposit ekugcineni kute umugqa ubonise inzalo kuphela, hhayi ibhalansi lephelele.
Loku kulinganiso lekuhlela nekuxoxisana, hhayi umtsetfo womthetho. Emanye emacala eTribunal asebentisa inzalo elula endzaweni yekuhlanganisa. Soloko uqhathanise umphumela nesitatimende sakho sebhange nesivumelwano sakho lesayiniwe.
Imibuto lejwayelekile kubuzwa
Ingabe idiphozithi yami kufanele ithole inzalo?
Yebo. I-Rental Housing Act idzinga kutsi emadiphozithi atjalwe ku-akhawunti lethola inzalo, futsi inzalo ikhokhelwe kumqashi uma kuphela, ngaphandle kwetinsuso letivumelekile.
Yini lengasuswa ediphozithini yami?
Tinsuso letivumelekile tivamise kuhlanganisa intela lengakhokhiwe, monakalo ngale kwalusimba lolujwayelekile, nezindleko zekuhlanza lezivunywe, lesekelwe ubufakazi njengema-quote noma emarisidi.
Kufanele idiphozithi ibuyiselwe ngokushesha kangakanani?
Akukho nani lesikhatsi lesimisiwe ngokomthetho, kodwa bannikati bavame kuhlosele emalanga langu-7–14 ngemva kwekutfolakala nokuhlola. Kubambezeleka lokungafanele kungaphikiswa ku-Rental Housing Tribunal.
Ingabe lesi sicebiso somthetho?
Cha. Leli khalikhuleyitha liniketa silinganiso ngokwezinto lofakile. Xhumana nomshushisi noma ne-Tribunal ngezingxabano noma timo letiyinkimbinkimbi.