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Indleko Yabaqashi Ababi eMzantsi Afrika | Kutheni Ukuhlola Kuyahlawula

Indlu Team 5 imizuzu ukufunda
Indleko Yabaqashi Ababi eMzantsi Afrika | Kutheni Ukuhlola Kuyahlawula

Wonke umniniindlu uyamazi umntu onenoveli yoyikeko. Umqashi owayeka ukukhokha emva kweenyanga ezintathu. Lowo wanyamalala ngokungazelelweyo, eshiya u-R30,000 ekulimaleni. Lowo walwa ukuphoxwa iinyanga ezisibhozo ngelixa intlawulo yebhondi yaqhubeka iphuma esandleni somniniindlu.

Indleko yabaqashi ababi eMzantsi Afrika yinto abaninzi abaniniindlu bayifunda ngendlela enzima. Le micimbi ayihlali — iqhelekile kakhulu, kwaye cishe inokuthintelwa ngokupheleleyo. Eli nqaku libeka amanani angokoqobo nokutheni ukuhlolwa kuzihlawula ngokwawo.

Indleko Yabaqashi Ababi eMzantsi Afrika: Oko Amanani Abonisa

I-TPN Rental Monitor ilandela ukuziphatha kokukhokha kwabaqashi kulo lonke uMzantsi Afrika. Idatha ibonisa umfanekiso ocacileyo:

  • Ku-12% ukuya ku-18% yabaqashi basekwinxalenye yemali ezingakhokhi nangaliphi na ixesha
  • Ixesha eliphakathi lokukhokha umqashi ongakhokhi ngokomthetho li-iinyanga ezi-3 ukuya kwezi-6
  • Kuphela u-40% wabaniniindlu abazimeleyo abenza naluphi na uhlobo lokuhlola phambi kokusayina i-lease

Elo statistik lokugqibela libalulekile. Abaninzi abaniniindlu banika iikeyi komntu abangaqinisekisanga — base belindele okona kuhle.

Indleko Yangokoqobo Yomqashi Omnye Onobubi

Masihambe ngomzekelo onokwenzeka. Uqeshisa iflat eneebedroom ezimbini eCape Town ngo-R12,000/nyanga. Umqashi wakho uyeka ukukhokha emva kwenyanga yesine.

Imvuzo Yomqeshiso Elahlekileyo

Inkqubo yokuphoxa ngokomthetho eMzantsi Afrika (ngaphantsi kwePrevention of Illegal Eviction from and Unlawful Occupation of Land Act) ifuna isaziso, imizamo yokulungisa, isicelo sikantlango, nokwenziwa ngusheriff. Nasekubeni kuhle, oku kuthathela iinyanga ezintathu. Ngokuvame, kuthathela iinyanga ezintlanu ukuya kwezi-6.

Imqeshiso elahlekileyo: R60,000 – R72,000 (iinyanga ezi-5-6 ngo-R12,000)

Iindleko Zomthetho

Uya kudinga ummeli ukubamba isicelo sokuphoxa. Iindleko ziyahluka, kodwa iindleko eziqhelekileyo zibandakanya:

  • Indibano nommeli neleta yokucela: R2,000 – R5,000
  • Ukulungisa isicelo sikantlango: R8,000 – R15,000
  • Ukuvela enkantlweni (ukuba kukho impikiswano): R5,000 – R10,000
  • Iindleko zika-sheriff zokwenziwa: R2,000 – R4,000

Iindleko zomthetho: R15,000 – R30,000

Ukulimala KwePropati

Abaqashi abangakhokhi abaziyo ukuba baphoxwayo bavelisa ngokuvame abaphathi ipropati ngononophelo. Ukulimala okuqhelekileyo kubandakanya:

  • Iimbobo ezindongeni, iingcango eziphukileyo neeziqeshisiweyo
  • Iiziqeshiso zokukhanya ezisusiweyo, iigeyser, okanye izixhobo
  • Iiplumbing engalungiswanga edala ukulimala kwamanzi
  • Ukudala kwesitiya nangaphandle

Nakulimala oluphantsi ngokuvame lubiza u-R10,000 – R25,000 ukuyilungisa. Ideposithi ngaphantsi kweRental Housing Act — ukuba uyiqokelele — ayivelisi ngokuvame konke, ngakumbi emva kokukhokha intlawulo.

Ukuyilungisa ukulimala: R10,000 – R25,000 (emva kwedeposithi)

Iindleko Zokuqeshisa Kwakhona

Emva kokuba ipropati ilungisiwe, udinga umqashi omtsha. Qwalasela:

  • Ukukhangisa: R500 – R2,000
  • Ukucoca nokulungisa: R2,000 – R5,000
  • Ixesha lokungahlali xa ufumana umqashi omtsha: iiveki ezi-2-4 (enye i-R6,000 – R12,000 yomqeshiso olahlekileyo)

Iindleko zokuqeshisa kwakhona: R8,500 – R19,000

Isambuku

Ukudibanisa konke ngokuqeshisa okubi okukodwa:

  • Imqeshiso elahlekileyo: R60,000 – R72,000
  • Iindleko zomthetho: R15,000 – R30,000
  • Ukulimala: R10,000 – R25,000
  • Ukuqeshisa kwakhona: R8,500 – R19,000

Indleko ipheleleyo: R93,500 – R146,000

Ngokwe-context, lo ngu-iinyanga ezi-8 ukuya kwezi-12 zomvuzo wokuqeshisa ocinywe sisigqibo esibi esinye.

Iindleko Ezifihlakeleyo Abantu Abangazithethiyo Ngazo

Ukulimala kwezimali kuphela inxalenye yendaba. Ukuqeshisa okubi kubiza iindleko ezingabonakali kwi-invoyisi.

Umthwalo Wemeko

Ukubhekana nomqashi ongakhokhi kucinezelela. Iimessage zasebusuku, izithembiso eziphukileyo (“Ndiza kukhokha ngeveki ezayo”), ukungaqiniseki komthetho. Abaniniindlu bavelisa ngokuvame i anxiety, ukuphazamiseka kokulala, nokucinezelela ubudlelwane ngexesha leenkqubo zokuphoxa ezide.

Indleko Yethuba

Yonke iyure osenza ngayo ukulandela ukungakhokhi, ukudibana nabameli, nokuqeqesha ukuyilungisa — yiyo iyure ongayisebenzisanga emsebenzini wakho, ekhaya lakho, okanye ekufumaneni amathuba amakhulu. Kwabaniniindlu abaphatha iipropati kunye nomsebenzi opheleleyo, indleko yethuba inkulu.

Ucinezelo Lwebhondi Nokuhamba Kwemali

Ukuba ukhokha ibhondi yepropati, ibhanki ayikhathaleli ukuba umqashi wakho akakhokhi. Ukusilela intlawulo yebhondi ngokwaneleyo kwaye usengozini yerekhodi lakho lekredit — okanye ngaphezulu, ibhanki ibize umboleko.

Iingxaki Ze-inshorensi

I-inshorensi yomniniindlu eqhelekileyo ayifaki ukulimala okwenziwe ngumqashi okanye ukulahlekelwa yomvuzo wokuqeshisa (ngaphandle kokuba une-inshorensi yokuqeshisa ethile). Abaninzi abaniniindlu bakufumana oku sekade.

Kutheni Abaniniindlu Bangahloli?

Ukuba indleko yomqashi onobubi iphezulu kangaka, kutheni u-60% wabaniniindlu bayeka ukuhlola? Izizathu ziyathabatheka:

“Ibiza kakhulu”

Ukuhlolwa kwecredit ngamnye kubiza u-R50-R150 ngebhuro. I-screening bundle epheleleyo ye-multi-bhuro ithatha u-R200-R400 kumceli ngamnye. Ukuba uhlola abaceli abathathu kwindawo enye engenanto, lo ngu-R600-R1,200 ephuma esandleni — ngaphandle kwesiqinisekiso sokuba uya kufumana umntu ofanelekileyo.

Inyaniso: Ukuhlolwa kubiza ngaphantsi kwe-1% yento umqashi onobubi abiza. Akuyona indleko — yi-inshorensi.

”Ndinokugweba ubuntu”

Abaninzi abaniniindlu bathemba izinstinct zabo ukusuka ekuboneni okanye kudliwano-ndlebe. Umceli wayehlala kakuhle, wayenobuntu, wayenokushakelela isandla.

Inyaniso: Abaqashi boonoprofeshini — abantu abazisebenzisayo abaniniindlu — ngamagcisa ekwenza iimpression ezihle zokuqala. Ubumnene abukhokhi umqeshiso. Idatha iyakhokha.

”Baziswa ngomntu endimaziyo”

Iind references zomntu ziziva zikhuselekile. Ukuba umzalwana wombutho wakho ufuna indawo, ngokuqinisekileyo lo mngcipheko uphantsi?

Inyaniso: Iind references ziseko elungileyo, kodwa azisombuli ukuqinisekiswa kwangqo. Umntu omnandi ngokwezentlalo unokuba ne-R100,000 yetyala nokuphoxwa kabini ngaphambili.

”Ndifuna umntu ngokukhawuleza”

Ukungahlali kubiza imali. Xa ipropati ihleli ingenanto, uncinezelo lokuyizalisa ngokukhawuleza lunokudlula uqeqesho.

Inyaniso: Ipropati engenanto ikubiza inyanga yomqeshiso. Umqashi onobubi ukubiza iinyanga ezi-8 ukuya kwezi-12. Ukuthatha amaveki amabini eengalindelwanga ukuhlola ngokulungileyo yiyo inshorensi eshibhileyo uya kuyithenga.

”Inkqubo inzima kakhulu”

Ukubhalisa namabhuro yekredit, ukufumana imvume ye-POPIA, ukutolika iingxelo — kunokuziva kucinezelela, ngakumbi kumniniindlu onepropati enye okanye ezimbini.

Inyaniso: Oku bekunyaniso. Namhlanje, iiplatifomu zokuphatha ukuqeshisa zidibanisa inkqubo ipheleleyo kwidashibodi enye. Bona isikhokelo sethu sokuhlola abaqashi eMzantsi Afrika kwindlela ecwangcisiweyo ethatha iintsuku, hayi amaveki.

I-ROI Yokuhlola

Masenze imaths icacile:

Ngaphandle kokuhlola:

  • Amathuba omqashi oneengxaki (asekwe kwidatha yokungakhokhi e-SA): ~15%
  • Indleko elindelwe ngokuqeshisa okubi: R93,500 – R146,000
  • Ilahleko yonyaka elindelwe (ipropati enye, ukutshintsha komqashi omnye): R14,000 – R22,000

Ngokuhlola (kusebenzisa i-Indlu ku-R99/nyanga):

  • Indleko yonyaka: R1,188
  • Ukuncipha kobungozi bomqashi onobubi: kulinganiswa 70-80% (asekwe kwidatha yemboni ebonisa abaqashi abahlolweyo baphoxa ngokuncinci)
  • Ilahleko yonyaka elindelwe emva kokuhlola: R2,800 – R6,600

Ukusindisa inet: R8,000 – R18,000 ngonyaka, ipropati ngayinye.

Kumniniindlu oneepropati ezintathu, lo ngu-R24,000 – R54,000 ngonyaka ekulahleni ilahleko — ukusuka kutyalelo lonyaka lwe-R1,188. Oku kumbuyiselo we-20x ukuya ku-45x.

Ukuhlolwa Okulungileyo Kubonakala Njani

Ukuhlolwa kwabaqashi okuphumelelayo akudingi degree yomthetho okanye iiyure zengxoxo zefowuni. Inkqubo ecwangcisiweyo ifaka:

  1. Isicelo esibhaliweyo — ifom eqhelekileyo eqokelela zonke iinkcukacha ezifunekayo
  2. Ukuqinisekiswa kwe-ID — ukuhlola okuzenzekelayo kwe-Home Affairs
  3. Ukuhlolwa kwecredit ye-multi-bhuro — TPN, TransUnion ne-Experian ukuze ube nomfanekiso opheleleyo (amabhuro arekhoda imbali yentlawulo yokuqeshisa nokuziphatha kwecredit)
  4. Ukuqinisekiswa komsebenzi nemvuzo — amaphepha emvuzo, amaphepha ebhanki, ukuqinisekiswa komqeshisi
  5. Iind references zomniniindlu wangaphambili — imibuzo ecwangcisiweyo, hayi nje “babekahle?”
  6. Uvavanyo lokukwazi ukuhlawula — umqeshiso ku-mvuzo ube ngaphantsi kwe-30%
  7. Ukuthobela i-POPIA — imvume ebhaliweyo phambi kokucubujenga naluphi na idatha

Inkqubo ipheleleyo kufuneka ithathe iintsuku, hayi amaveki. Ngezixhobo ezilungileyo, uninzi lwayo lunokugqitywa kwindawo enye.

Ukuthintela Kubi KuneUkunyanga

Abaniniindlu baseMzantsi Afrika ngokubanzi balahlekelwa ziigidi zeerandi minyaka ngaminyaka kukuphoxa kwabaqashi, ukulimala kwepropati, neendleko zokuphoxa. Uninzi lwalahleko zino zinokuthintelwa.

Ukuhlolwa akuyona into yokuziqhelisa kwiinkampani ezinkulu zeepropati — yinkqubo yokuphatha ubungozi ekuyo yonke imniniindlu, ukusuka kumntu oneyunithi enye ukuya kumnini weportfolio, kufuneka ingaguquki.

Imbuzo ayiyiyo ukuba unako na ukuhlola abaqashi. Yeyokuba unako na ukungahloli. Ukunciphisa indleko yabaqashi ababi eMzantsi Afrika kuqala ngokuhlola umceli ngamnye ngokulungileyo.

Bona indlela ukuhlolwa kwabaqashi kunokukhusela umvuzo wakho wokuqeshisa nokunciphisa ubungozi bokungakhokhi nokuphoxa — ukuhlolwa kwe-multi-bhuro, ukuqinisekiswa kwe-ID nokuthobela i-POPIA kwidashibodi enye.

Ibhalwe ngu

Indlu Team

Sixhulane nathi