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Imiphumo yomzekelo
Inzala eyiwe kwiimali zediphozithi ezijwayelekileyo nezinga ngonyaka wexesha lonyaka omnye (ukudibanisa ngenyanga).
| Idiphozithi | 5% ngonyaka | 6.5% ngonyaka | 8% ngonyaka |
|---|---|---|---|
| R 5 000,00 | R 255,81 inzala | R 334,86 inzala | R 415,00 inzala |
| R 8 500,00 | R 434,88 inzala | R 569,26 inzala | R 705,50 inzala |
| R 12 000,00 | R 613,94 inzala | R 803,66 inzala | R 995,99 inzala |
Iimali nezinga zomzekelo ezimisiweyo. Sebenzisa i-calculator ezingentla kwimihla nezicwangciso zakho.
Indlela yokubala inzala yediphozithi inyathelo ngenyathelo
eMzantsi Afrika, i-Rental Housing Act (RHA) ifuna abanini bokuqesha ukuba batshale idiphozithi yomqeshi kwi-akhawunti ethola inzalo. Inzalo iyomqeshi xa kuphela ukuqesha, ngaphandle kwezisuso ezisemthethweni ezinjengerenti engakhokhelwanga okanye iindleko zolungiso. Le calculator iyilinganisela inzalo eqokelelweyo phakathi kweemihla ezimbini. Isebenzisa ukudibanisa ngenyanga, njengamabanga amaninzi akhreditha imali yokonga ngengxenye yonyaka.
Qokelela iinkcukacha zediphozithi yakho
Faka isixa sediphozithi (imali umqeshi ayihlawuleyo xa esayina). Yongeza umhla wokuqala (ngokuqhelekileyo xa idiphozithi yamkelwa okanye ukuqesha kuqala) kunye nomhla wokugqibela (qhelekile umhla wovavanyo okanye ukubuyisela izitshixo). Sebenzisa izinga lenzalo yonyaka kwisitatimende apho idiphozithi igcinwe khona. Ukuba isivumelwano sakho sokuqesha sinciphisa idiphozithi kwiinyanga ezimbini zerenti, jonga ukuba isixa sakho sihambelana nalokho okutyalwe ngokwenene.
Bala ixesha idiphozithi ibanjwe ngalo
Isixhobo sibala yonke imihla yekhalenda ukusuka ekuqaleni ukuya ekupheleni, zombini zibandakanywa. Oko kuhlulwe ngo-365 okanye u-366. Ukuba ixesha liphela kunyaka omnye wekhalenda, unyaka ongujabule usebenzisa iintsuku ezingama-366; ngaphandle koko u-365. Oku kuhambelana nendlela abanini abaninzi neRental Housing Tribunal abajongana ngayo neexesha ezimfutshane zokuhlala.
Qonda ukudibanisa ngenyanga
Ukudibanisa kuthetha ukuba inzalo ibalwa kwibhalansi ekhulayo, hayi kuphela kwidiphozithi yokuqala. Nyanga ngenyanga, ingxenye enye yeshumi nambili yezinga lonyaka isetyenziswa. Ezi zinyathelo ezilishumi nambini zenyanga zilinganiswe kwisigama sonyaka obambe ngaso imali (iintsuku zihlulwe ziintsuku zonyaka). Umphumo yibhalansi emva kwenzalo; susa idiphozithi ukuze ufumane inzalo efunekayo.
Sebenza ngefomula
Jonga ibhloko yefomula ngezantsi. Ngamagama alula, idiphozithi ikhula ngokusebenzisa izinga lenyanga ngokuphindaphindiweyo ngexesha lokubamba. Inzalo yibhalansi yokugqibela minus idiphozithi. Isibalo sokubuyisela ngaphambi kwezisuso yidiphozithi kunye nenzala.
Sebenzisa izisuso ezisemthethweni ekubuyiseleni
Emva kwenzalo, umqeshi angasuswa kuphela izinto ezisemthethweni ezivunyelwe kwisivumelwano okanye ezixhaswe ubungqina: renti engakhokhelwanga, umonakalo ngaphezu kokusetyenziswa okuqhelekileyo, ucoceko olufanelekileyo, okanye ezinye iindleko zamkelwe yiTribunal. Ibhalansi kufuneka ihlawulwe kumqeshi ngexesha elifanelekileyo. Ukuba uphikisana ngesixa, ungafikelela kwiRental Housing Tribunal ephondo lakho.
Ifomula esetyenziswayo kule thuluzi
Interest = Deposit × (1 + rate÷12)^(12 × days÷yearDays) − Deposit Total = Deposit + Interest
Deposit: isixa esisisiseko esityalweyo. rate: amaphesenti enzalo yonyaka (ngonyaka) kwi-akhawunti. days: iintsuku zekhalenda ezibanjwe, ukuqala nokuphela kubandakanywa. yearDays: u-365 okanye u-366 xa ixesha likwinyaka enye engujabule okanye evamile. (1 + rate÷12): iguqulela izinga lonyaka libe yinto yokukhula kwenyanga. 12 × days÷yearDays: usasaza izinyathelo ezilishumi nambini zokudibanisa ngexesha lakho lokubamba. Susa iDeposit ekugqibeleni ukuze umugqa ubonise inzalo kuphela, hayi ibhalansi epheleleyo.
Oku lulinganiso lokucwangcisa nokuxoxa, hayi ingcebiso yomthetho. Amanye amatyala eTribunal asebenzisa inzalo elula endaweni yokudibanisa. Soloko uqhathanise umphumo nesitatimende sakho sebhange nesivumelwano sakho sokuqesha esisayiniweyo.
Imibuzo evame ukubuzwa
Ingaba idiphozithi yam kufuneka iwonke inzala?
Ewe. I-Rental Housing Act ifuna ukuba iidiphozithi zityalwe kwi-akhawunti ethola inzala, kwaye inzala ihlawulwe kumqeshi xa kuphela, ngaphandle kwezisuso ezisemthethweni.
Yintoni enokususwa kwidiphozithi yam?
Izisuso ezisemthethweni ziqhelekile ziquka i-renti engahlawulwanga, umonakalo ngaphezu kokusila okuqhelekileyo, neendleko zokucoca ezivunywenwe, ezixhaswe ubungqina njengee-quote okanye iirisithi.
Kufuneka idiphozithi ibuyiselwe ngokukhawuleza kangakanani?
Akukho nani leentsuku elimisiweyo ngokomthetho, kodwa abanini bahlala bejolise kwiintsuku ezi-7–14 emva kokunikwa nokuphononongwa. Ukulibaziseka okungafanelekanga kunokuphikiswa kwi-Rental Housing Tribunal.
Ngaba le yicebiso lomthetho?
Hayi. Le calculator inika uqikelelo ngokwezinto ozifakileyo. Qhagamshelana nommeli okanye ne-Tribunal ngeengxabano okanye iimeko ezinzima.