Imigaqo Yedeposithi Yokuqeshisa eMzantsi Afrika 2026: Isikhokelo Esipheleleyo Kwabaniniindlu

Imigaqo yedeposithi yokuqeshisa eMzantsi Afrika yenye yeendawo eziqondwa kakhulu ukuba ngumniniindlu. Ukuziphatha ngendlela engalunganga kunokubangela isikhalazo seRental Housing Tribunal, iintlawulo zezimali, okanye umqashi owaziyo umthetho ngaphezu kwakho.

Esi sikhokelo sifaka konke okufuneka ukwazi ngemigaqo yedeposithi yokuqeshisa eMzantsi Afrika — ukusuka kubungakanani onokubiza ukuya kwindlela ngexesha lokubuyisela imali.

Imigaqo Yedeposithi: Mangaphi Unokubiza Unniniindlu?

Akukho sithintelo somthetho kwideposithi yokuqeshisa eMzantsi Afrika. IRental Housing Act (Act 50 of 1999) ayimisi inani eliphezulu. Ngokwenene, abaninzi abaniniindlu bacharga phakathi kweenyanga enye ezimbini zomqeshiso njengedeposithi.

Nangona kunjalo, ukucharga ideposithi eninzi kunokothusa abaqashi abahle kwaye kunokuchaselwa njengenkqubo engafanelekanga. Ingqikelelo yemakethe yile: Inyanga yomqeshiso — eqhelekile kwiilease ezininzi zokuhlala; Iinyanga ezimbini zomqeshiso — eqhelekile kwiippropati eziqeshisiweyo, ii-lease ezivumela izilwanyana, okanye ukuqeshisa obunobungozi obuphezulu; Akukho deposithi — ayiqhelekile, kodwa abaniniindlu abanye bayayeka ideposithi endaweni yomqeshiso ophezulu.

Into ebalulekileyo kukucacisa inani ledeposithi ngokucacileyo kwingqwalaselo yakho ye-lease ebhaliweyo. Ukuba ungenayo i-lease ebhaliweyo, ukubonakalisa oko kwavumelwana ngako kunzima kakhulu.

Imfuneko Ye-akhawunti Enentlawulo

Apha abaninzi abaniniindlu bayawa. ISection 5(3)(g) yeRental Housing Act ifuna ukuba: Omniniindlu kufuneka atyalale ideposithi yomqashi kwi-akhawunti enentlawulo nesikhungo sezimali kwaye akhokhele umqashi intlawulo ngeminganiselo esebenzayo kule akhawunti. Oku akukhethi. Isebenza kuyo yonke i-lease yokuhlala eMzantsi Afrika, nokuba uphatha yunithi enye okanye ikhulu.

Zeziphi Iibhanki Ezinika Ii-akhawunti Zethemba Zedeposithi?

Iibhanki eziphambili zaseMzantsi Afrika zinika ii-akhawunti zokugcina okanye zethemba ezifanelekileyo ukugcina iideposithi zabaqashi: FNB — Money Maximiser okanye i-akhawunti yokugcina; Standard Bank — PureSave okanye ideposithi yesaziso; Absa — i-akhawunti yokugcina ye-Transact; Nedbank — JustSave okanye ideposithi yesaziso; Capitec — i-akhawunti yokugcina (iminganiselo yentlawulo enokuncintisana). I-akhawunti kufuneka ibe egameni lomniniindlu (okanye egameni le-ejenti yabo), kodwa intlawulo efunyenweyo ingowomqashi. Abaniniindlu abanye bavula i-akhawunti yokugcina ehlukileyo kumqashi ngamnye; abanye basebenzisa i-akhawunti yethemba enye kwaye balandela ukuhlelwa ngaphakathi.

Indlela Yokubala Nokukhokhela Intlawulo Yedeposithi

Ekupheleni kwe-lease, uyatyala umqashi: 1. Inani ledeposithi yokuqala 2. Kususa naluphi na ukuthabatha okuyisebenzi (ngakumbi ngezantsi) 3. Ukongeza intlawulo efunyenwe ngeminganiselo i-akhawunti efunyenweyo. Umzekelo, ukuba umqashi wakhokha ideposithi ye-R10,000 kwaye i-akhawunti yokugcina yafumana 5.5% ngonyaka kwi-lease yeenyanga ezi-12, uyatyala malunga ne-R550 intlawulo — ngaphezu kwanani ledeposithi esele emva kokuthabatha. Icebiso: Gcina irekhodi lamaphepha ebhanki akho abonisa ibhalansi yedeposithi nentlawulo efunyenweyo. Oku kukhusela ukuba umqashi uphikisa inani.

Ukubuyisela Ideposithi: Ixesha Nenkqubo

IRental Housing Act ifuna abaniniindlu babuyisele ideposithi (nentlawulo, kususa ukuthabatha okuyisebenzi) phakathi kweentsuku ezi-14 zokuphela kwe-lease — ukuba ukuhlola ngokudibana kwenziwe. Ukuba akukho hlolo lwenziwayo, ideposithi kufuneka ibuyiselwe phakathi kweentsuku ezi-21.

Imfuneko Yokuhlola Ngokudibana

Phambi kokuthabatha nantoni na kwideposithi, kufuneka wenze ukuhlola ngokudibana nomqashi: 1. Yicwangcise — ngokulungileyo ngomhla wokugqibela wwe-lease okanye umhla umqashi apha; 2. Hamba nepropati ndawonye — thelekisa isimo sangoku nengxelo yokuhlola kokungena; 3. Bhala konke — thatha imifanekiso, phawula ukulimala, kwaye macala omabini basayine ingxelo yokuhlola; 4. Vumelana ngokuthabatha — okanye ubuncinci urekhode oko icala ngalinye licinga ngokufanelekileyo. Ngaphandle kokuhlola ngokudibana, ukuthabatha kwideposithi kuba nengozi ngokomthetho. Abaqashi banokuchasa ukuthabatha kuRental Housing Tribunal ukuba inkqubo efanelekileyo ayilandelwanga. Ukuba impikiswano ikhula, isikhokelo sethu sokukhokha umqashi eMzantsi Afrika sichaza iinyathelo zomthetho nexesha.

Oko Unokukuthabatha Kwideposithi

Ukuthabatha okuyisebenzi kubandakanya: Ukulimala ngaphezu kokuguga okuqhelekileyo — ifestile ephukileyo, iimbobo ezindongeni, iikhaphethi ezingcolileyo ngenxa yokunganakekeli; Umqeshiso ongakhokhi — ukuba umqashi uyatyala umqeshiso xa ephuma; Iindleko zokusebenza ezingakhokwanga — ugesi, amanzi okanye ezinye iindleko umqashi wayenoxanduva kuzo; Iindleko zokucoca — ukuba ipropati ishiywe kwimo ingcono kakhulu kunoko yanikwa ngayo. Awunakukuthabatha ngoku: ukuguga okuqhelekileyo (upende odaleleyo, amamaki ancinci, iikhaphethi ezigugileyo ekusebenziseni okuqhelekileyo), ukulimala kwangaphambili okwaphawulwa kukuhlola kokungena, ukuphucula okanye ukuphucula ofuna ukuwenza emva kokuba umqashi ephumile.

Impazamo Eziqhelekileyo Abaniniindlu Abazenziyo

1. Ukungasebenzisi I-akhawunti Enentlawulo Oku kukuphula okuqhelekileyo. Abaniniindlu abanye bayifaka imali kwi-akhawunti yabo yangoku okanye, ngaphezulu, bayichitha. Kokubini akuyisebenzi. Ideposithi yomqashi kufuneka ihlele kwi-akhawunti enentlawulo ixesha lonke le-lease. 2. Ukuyeka Ukuhlola Kokungena Ukuba ungenayo ingxelo yesimo sokungena ebhaliweyo (nemifanekiso), awunanto yokuqwalasela ukulimala. Oku kwenza kunzima kakhulu ukuthethelela ukuthabatha kamva. 3. Ukuthabatha Ngokuguga Okuqhelekileyo Ukuqeshisa kweminyaka emihlanu kuya ngokwenziwa kubangela ukuguga. Ukuzama ukucharga ukupenda iindonga ezdaleleyo ngokuhamba kwexesha, okanye ukutshintsha iikhaphethi ezigugile ekusebenziseni okuqhelekileyo akuyisebenzi ngokomthetho. 4. Ukusilela Umhla Wokubuyisela Ukungabuyiseli ideposithi phakathi kweentsuku ezi-14 (okanye 21 ukuba akukho hlolo lwenziwe) kuvula isikhalazo seTribunal neentlawulo ezinokwenzeka. 5. Ukunganiki Isitatimende Esahlulwe Xa usenza ukuthabatha, nika umqashi ukwahlula-hlula okubhaliweyo okubonisa: inani ledeposithi yokuqala, intlawulo efunyenweyo, ukuthabatha ngakunye nengcaciso nenani, inani elingenanto elibuyiselwayo.

Indlela I-Indlu Ikunceda Ukuthobela

Ukuphatha iideposithi kuzo zonke iipropati — ukulandela intlawulo, ukucwangcisa ukuhlola nokuhlangabezana nemihla yokubuyisela — kunokuba yinkimbinkimbi ngokukhawuleza. Impawu yokulandela ideposithi ye-Indlu yenza inkqubo ngokuzenzekelayo: Irekhoda amanani eedeposithi nemihla kukuqeshisa ngakunye, Ibala intlawulo efunyenweyo ngokuzenzekelayo, Ithumela izikhumbuzi zokuhlola ngokudibana njengoko imihla yokuphela kwe-lease isondela, Ikhiqiza amaphepha edeposithi ahlulwe kubaqashi.

Imibuzo Ebuza Rhoqo

Ingaba unniniindlu anokusebenzisa ideposithi njengomqeshiso wenyanga yokugqibela? Hayi ngokunye. Ideposithi yikhuseleko ngokulimala neemfuno ezingakhokwanga — ayisosimbizo somqeshiso. Ukuba macala omabini avumelana ngokubhaliweyo, ideposithi inokusebenziswa kwinyanga yokugqibela, kodwa oku kufuneka kubhalwe kwi-lease okanye kwisivumelwano esihlukileyo. Kwenzeka ntoni ukuba unniniindlu angabuyiseli ideposithi? Umqashi unokufaka isikhalazo neRental Housing Tribunal yeprovinsi yakhe. ITribunal inokuyala omniniindlu ukuba abuyisele ideposithi nentlawulo kwaye inokubeka iintlawulo ezingezelelweyo. Ingaba unniniindlu kufuneka abonakalise ukulimala ukuze athethelele ukuthabatha? Ewe. Umthwalo wobungqina usekumniniindlu. Yiyo lo nto ukuhlola kokungena nokuphuma nemifanekiso kubalulekile. Ingaba unniniindlu anokunyusa ideposithi ngexesha le-lease? Kuphela ukuba ingqwalaselo ye-lease iqulethe indidi evumela ukunyuka kweedeposithi (ngokuvame elinxulunyaniswe nokunyuka komqeshiso kwaminyaka ngaminyaka). Umqashi kufuneka avume imeko xa esayina i-lease. Kutheni ukuba umqashi alala ukuthatha ixesha lokuhlola ngokudibana? Mmema ngokubhaliweyo (i-email okanye ileta) ngomhla nexesha elicebiswayo. Ukuba abaphenduli okanye balala ukuthatha ixesha, qhubeka nokuhlola, bhala konke ngokupheleleyo, kwaye ugcine ubungqina bokuba uzame ukuyicwangcisa.

Fumana imigaqo yedeposithi yokuqeshisa eMzantsi Afrika ngokulungileyo ukusuka kusuku lokuqala. Landela iideposithi, intlawulo nemihla yokubuyisela ndaweni enye nge-Indlu.