Iportali Yomthengi Yabakhi Bezindlu: Qhuba Ukhetho Kakuhle

Uninzi lweengxabano ngosuku lokuhlola iingxaki (ukuhlola ekunikezelweni) luqala kwiinyanga ezininzi ngaphambili. Umthengi ukhetha ithayile nge-WhatsApp, kwaye akukho mntu ubhala ixabiso. Abathengi kwizivumelwano ze-off-plan nee-plot-and-plan bafuna ukukhetha. Abaninzi baya kuhlawulela uphuculo lwe-spec esemgangathweni. Ukuba uyiqhuba kakuhle, yongeza i-margin. Ukuba uyiqhuba kakubi, ilahlekisa ixesha, imali nobuhlobo obuhle.

Esi sikhokelo sichaza indlela yokuseka inkqubo yokhetho lomthengi kunye neportali yomthengi yomakhi wezindlu okanye umphuhlisi we-estate waseMzantsi Afrika: imenyu yokhetho, imihla yokuvala, utshintsho lomthengi, uhlaziyo lwenkqubela, amaxwebhu, kunye nezithiyo ezibangela iingxabano ekunikezelweni.

Oko Iportali Yomthengi Ikwenzela Umakhi Wezindlu

Iportali yomthengi yindawo enye apho umthengi ngamnye abona khona iyunithi yakhe, ukhetho, imihla yokugqibela nenkqubela. Iqela lakho liyeka ukuphendula imibuzo efanayo ngefowuni. Inokuba yimodyuli yesoftware okanye ifolda ekwabelwana ngayo egcinwe kakuhle ngeyunithi nganye. Okubalulekileyo ngumthetho: irekhodi enye ngeyunithi, kwaye umthengi ubona irekhodi iqela lakho elisebenza ngayo.

Komakhi wezindlu othengisa kwaye akhe ngaxeshanye, iportali yenza imisebenzi emine:

Ukhetho. Umthengi ubona i-spec esemgangathweni, ukhetho olunexabiso, kunye noko akukhethileyo nakusayinileyo.
Imihla yokugqibela. Ukhetho ngalunye lunomhla wokuvala odityaniswe neprogram yokwakha.
Inkqubela. Uhlaziyo olunemihla ngeyunithi, ngokufanelekileyo kunye neefoto zesayithi.
Amaxwebhu. Isivumelwano sentengiso, izongezo, iiplani ezivunyiweyo, ukubhaliswa kwe-NHBRC, izatifikethi kunye nepakethi yokunikezelwa.

Iportali yomthengi ikwabamba ulwazi lomntu, ezifana namagama, amanani e-ID neenkcukacha zoonxibelelwano. Icandelo le-19 le-Protection of Personal Information Act (POPIA) lifuna ukuba ulugcine lukhuselekile. Ekuhambeni, umthengi ngamnye makabone kuphela iyunithi yakhe, kwaye ukufikelela kwabasebenzi kufanele kuhambelane nendima yabo.

Kwi-estate enkulu okanye kwiskimu se-sectional title, ubuninzi bungxaki. Abathengi abangamashumi amane ngamnye ebuza “iyunithi yam iza kugqitywa nini?” rhoqo emva kweeveki ezimbini banokuthatha iiyure ezininzi zexesha labasebenzi ngeveki. Ukuba ukhetha isoftware yomsebenzi wonke, isikhokelo sethu sesoftware yabakhi bezindlu eMzantsi Afrika sigubungela uluhlu lokuhlola lokuthenga. Eli nqaku lihlala kwinkqubo.

Yakha Imenyu Yokhetho Abathengi Abanokukhetha Kuyo

Qala ngemenyu emiselweyo enamaxabiso amiselweyo ngeeRandi, kwaye unciphise izicelo ezikhethekileyo. Imenyu iguqula izicelo ezikhethekileyo zibe zizinto eziphindaphindekayo ezinendleko eyaziwayo.

Imenyu esebenzayo ineenqanaba ezintathu:

I-spec esemgangathweni. Oko kuqukwa lixabiso lentengiso. Chaza ngqo: uphawu okanye uluhlu, ukhetho lwemibala, izixa. “Iithayile kuyo yonke indawo” imema impikiswano. “I-porcelain 600 x 600, ukhetho lwemibala emithathu, iindawo zokuhlala neendawo ezimanzi” ayiyimemi.
Ukhetho olunexabiso. Uphuculo oluqhelekileyo ngexabiso elimiselweyo ngohlobo lweyunithi, kuqukwa i-VAT kunye ne-margin yakho yolawulo.
Utshintsho lwesakhiwo okanye loyilo. Lubekwa ixabiso ngokwemeko nganye, kunye nentlawulo yomzobi wezakhiwo nohlaziyo lweplani. Luvumeleke kuphela phambi kokuba iiplani zeyunithi ziye kumasipala.

Umzekelo weyunithi enamagumbi okulala amathathu kwi-estate yaseGauteng. Amaxabiso akho aya kwahluka.

Udidi lokhetho	Umzekelo wento	Ixabiso elingumzekelo (ZAR, kuqukwa i-VAT)	Kuquka
Umgangatho	Ukuphucula amagumbi okulala ukusuka kwikhaphethi ukuya kwi-laminate	R18,000 ukuya kwi-R28,000	Imathiriyeli, umsebenzi, i-skirting
Ikhitshi	Iitops zelitye endaweni ye-post-formed	R25,000 ukuya kwi-R45,000	Ithempleyithi, ukubonelela, ukufakela
Umbane	Iiplagi ezimbini ezongezelelweyo (ngeplagi nganye)	R850 ukuya kwi-R1,400	Iplagi, iintambo, ifakwe kwi-CoC yombane
Amagumbi okuhlambela	Ucango lweshawa olungenafreyimu	R9,000 ukuya kwi-R15,000	Ukubonelela nokufakela
Amandla	I-DB elungele ilanga kunye neentambo ze-inverter	R12,000 ukuya kwi-R22,000	Iintambo kuphela, akukho ziphaneli
Uyilo	Ukuguqula igumbi lokufundela libe ligumbi lokulala lesine	Kunikwa ixabiso ngeplani	Intlawulo yomzobi, uhlaziyo lweplani, intlawulo yolawulo

Beka ixabiso kukhetho ngalunye kuqukwa intlawulo yakho yolawulo. Abakhi babeka ixabiso kwimathiriyeli nakumsebenzi. Balibala iiyure ezichithwe kwiikowuti, uhlaziyo lweeplani kunye nokwazisa isayithi. Intlawulo yolawulo emiselweyo ngotshintsho ngalunye igubungela loo ndleko kwaye ithintela utshintsho olungabalulekanga.

Tshixa amaxabiso emenyu ixesha elichaziweyo, umzekelo ude kube kukhutshwa kokugqibela kwentengiso yesigaba. Imenyu engenamhla wokuphelelwa iba yingxaki ye-margin kwisigaba sesibini.

Dibanisa Imihla Yokuvala Yokhetho Neprogram

Ukhetho ngalunye lufuna umhla wokuvala omiselwe yiprogram yokwakha. Umthengi kufuneka awubone ngosuku asayina ngalo. Ukhetho olufike emva kwexesha sesinye sezizathu eziqhelekileyo zokuba iyunithi isalele ngasemva kwabamelwane bayo kwi-estate. Iyunithi enye elinde ukhetho lwekhitshi ibambezela umfakeli weekhabhathi.

Sebenza ubuyela umva ukusuka kwinqanaba apho into nganye ifakwa okanye i-odolwa khona. Emva koko wongeze amaxesha okulinda ababoneleli.

Udidi lokhetho	Umhla wokuvala wokugqibela	Inqanaba leprogram elikhuselayo	Kutheni kubalulekile
Utshintsho loyilo nolwesakhiwo	Phambi kokungeniswa kweplani	Imvume kamasipala nokubhaliswa kwe-NHBRC	Utshintsho emva kwemvume luthetha uhlengahlengiso lweplani nokulibaziseka
Iiplagi zombane nezamanzi	Phambi kokuba izitena zifike kwi-wall plate	Ukugrumba iindonga kunye ne-first fix	Ukutshintsha iiplagi emva kodaka kuthetha ukugrumba iindonga ezigqityiweyo
Iifestile neengcango	Phambi kweslabhu okanye izitena zokuqala	Uku-odola iifreyimu	Iifreyimu zentsimbi ne-aluminiyam zithatha ixesha elide ukufika
Ikhitshi nomsebenzi weplanga	Phambi kokugqitywa kophahla	Ukulinganisa nokwenziwa	Abenzi beekhabhathi bafuna iiveki ezi-4 ukuya kwezi-6
Iithayile nemigangatho	Phambi kwe-screed	Uku-odola nokubeka	Ukhetho olufike emva kwexesha luchaphazela ukufumaneka kwesitokhwe
Imibala yepeyinti, izixhobo zangasese, i-ironmongery	Phambi kwe-second fix	Ukugqiba	Ziinto zokugqibela, kodwa zisafuna ixesha loku-odola

Imithetho emibini yenza imihla yokuvala ihlale. Okokuqala, beka imihla kwisivumelwano sentengiso okanye kwisongezo sokhetho. Chaza oko kwenzekayo xa umthengi ephosa umhla: kusebenza i-spec esemgangathweni. Bhala oku ngolwimi olulula, njengoko i-Consumer Protection Act ifuna kwizivumelwano zabathengi. Okwesibini, thumela izikhumbuzo iintsuku ezili-14 neentsuku ezi-3 phambi komhla ngamnye wokuvala.

Kwizivumelwano ze-plot-and-plan, iprogram ikwaqhuba ukukhutshwa kwemali yebhanki ngokwenkqubela. Ibhanki ihlawula imali yokwakha ngamanqanaba, emva kokuba umhloli wayo ejonge inqanaba ngalinye. Iyunithi elinde ukhetho lwethayile ayinakufikelela kwinqanaba elilandelayo, ngoko ukukhutshwa kwemali okulandelayo kuyalinda. Oko kudibanisa ukhetho ngqo ne-cash flow, njengoko kuchazwa kwisikhokelo sethu semali yophuhliso lwezindlu zokuhlala.

Usalandelela ukhetho lwabathengi kwi-WhatsApp nakwii-spreadsheet? I-Wakha ilandelela ukhetho lweyunithi nganye, ukuvunywa kwabathengi kunye nezicelo zotshintsho ngokuchasene neprogram yakho ye-Gantt, kwaye ibonisa abathengi inkqubela yabo kwiportali yomthengi: bona umboniso wemveliso.

Beka Ixabiso Kwaye Uvume Utshintsho Lomthengi Phambi Kokuba Umsebenzi Uqale

Akukho tshintsho lomthengi lwakhiwayo de lubekwe ixabiso ngokubhaliweyo kwaye lusayinwe ngumthengi. Kufuneka kwakhona luhlawulwe, okanye longezwe ngokusesikweni kwixabiso lokuthenga. Umphathi wesayithi uyavuma “ukususa nje loo plagi”. Emva kweenyanga ezintathu akukho rekhodi, akukho ntlawulo kwaye akukho nto efayilwe kumfakeli wombane.

Qhuba lonke utshintsho lomthengi ngamanyathelo afanayo:

Isicelo. Umthengi ubuza ngendlela enye, kungaze kube ngu-foreman ngotyelelo lwangoMgqibelo.
Ikowuti. Iqela lakho liyibeka ixabiso, kuqukwa intlawulo yolawulo, nayiphi na imali ebuyiselwayo yezinto ezisemgangathweni ezisusiweyo, kunye nayiphi na impembelelo kwiprogram.
Uvumo. Umthengi usayina ikowuti. Phantsi kwe-Alienation of Land Act, intengiso yomhlaba kufuneka ibhalwe kwaye isayinwe ngamacala omabini. Utshintsho kwixabiso lokuthenga kufuneka lulandele ifom enye: isongezo esibhaliweyo esisayinwe ngamacala omabini. Cela i-conveyancer yakho ukuba isijonge.
Intlawulo. Gqiba ukuba utshintsho luhlawulwa njani. Uphuculo lwemali eshushu ludla ngokuhlawulwa kwangaphambili, kuba ibhondi yomthengi ivunyelwe isixa esimiselweyo. Ukuba utshintsho longezwa kwixabiso, ibhanki inokufuna ukuphinda ivume ibhondi. Oko kunokulibazisa ukudluliselwa.
Umyalelo. Kuphela ngoku apho iqela lesayithi lifumana umyalelo, kunye nekowuti esayiniweyo iqhotyoshelwe.
Irekhodi. Bhala utshintsho ngokuchasene neyunithi ukuze luvele ekunikezelweni nakuluhlu lweengxaki.

Utshintsho lomthengi luphantsi kwesivumelwano sentengiso. Utshintsho lwekontraka luphantsi kwekontraka yakho yokwakha, ngesiqhelo ifom esemgangathweni ye-JBCC, NEC okanye GCC. Xa utshintsho lomthengi lutshintsha umsebenzi wekontraka, ufuna zozibini iirekhodi, zidityanisiwe. Ngaloo ndlela ubiza umthengi kwaye uhlawule ikontraka ngotshintsho olufanayo.

Lumkela ukutshintshwa kwezinto. Ukuba uphawu oluchaziweyo luphelile esitokhweni kwaye ulutshintsha, fumana imvume ebhaliweyo yomthengi kuqala. Abathengi babona uphawu olunegama njengophawu lomgangatho. Ukutshintsha ngokuthe cwaka kuba sisikhalazo ekunikezelweni.

Gcina Abathengi Behlaziywa Ngaphandle Kwesaqhwithi Se-WhatsApp

Misela isingqi esimiselweyo sohlaziyo ngeyunithi, kwaye abathengi baya kuyeka ukukulandela befuna iindaba. Abathengi abanexhala bafowunela iofisi yentengiso. Iofisi yentengiso ifowunela isayithi, kwaye umphathi wakho wesayithi ulahlekelwa yiyure ngosuku.

Isingqi esisebenza kwii-estate ezininzi:

Uhlaziyo lwenyanga ngeyunithi, kunye nenqanaba elifikelelweyo, inqanaba elilandelayo, kunye neefoto zesayithi ezintathu okanye ezine ezinemihla.
Izaziso zamanqanaba kwiindawo eziphambili: iziseko, i-wall plate, uphahla, ukugqitywa okusebenzayo. Kwizivumelwano ze-plot-and-plan, zilungelelanise nohlolo lwebhanki lokukhutshwa kwemali.
Izaziso zokulibaziseka zithunyelwe kwangoko, kunye nesizathu nomhla omtsha.
Indlela enye kuphela, enokukhangelwa kamva liqela lakho.

Iifoto nemihla kufuneka zivele kwirekhodi yomsebenzi weqela lakho, ngesiqhelo idayari yesayithi yolwakhiwo. I-Wakha, umzekelo, ibonisa umthengi ngamnye inkqubela enemihla evela kwidayari yayo yesayithi kwiportali yomthengi. Umthengi ubona irekhodi ka-foreman uqobo.

Yabelana ngenkqubela, hayi ngeengxaki iqela lakho elisazisombulula. I-lintel eqhekekileyo elungiswe kwiveki enye ayifuni kufika kumthengi. Ingxaki yesakhiwo elibazisa iyunithi yakhe iyafuneka, kunye nesicwangciso.

Amaxwebhu Ekwabelwana Ngawo Nabathengi, Kwaye Nini

Abathengi bathemba umakhi onikezela amaxwebhu phambi kokuba abuzwe. Yongeza nganye kwiportali xa sele ilungile. Ipakethi yokunikezelwa ke yakhiwe ubukhulu becala phambi kosuku lokunikezelwa.

Uxwebhu	Nini ukwabelana	Amanqaku
Isivumelwano sentengiso esisayiniweyo nezongezo	Ekusayineni	Quka isongezo sokhetho nemihla yokuvala
I-spec esemgangathweni nemenyu yokhetho	Ekusayineni	Inomhla wenguqulo, kunye nexesha lokusebenza kwexabiso
Iphepha lokuqinisekisa ukhetho	Emva komhla ngamnye wokuvala	Lisayinwe ngumthengi, kunye namaxabiso
Iiplani zokwakha ezivunyiweyo	Emva kwemvume kamasipala	Quka naluphi na uhlengahlengiso lotshintsho loyilo
Isatifikethi sokubhaliswa kwe-NHBRC	Phambi kokuqala kolwakhiwo	I-Housing Consumers Protection Measures Act ifuna ukubhaliswa ubuncinane iintsuku ezili-15 phambi kokuba umsebenzi uqale. Bona isikhokelo sethu samanqanaba ohlolo lwe-NHBRC
I-CoC yombane, izatifikethi zamanzi neglasi, i-CoC yegesi ukuba ifakiwe	Phambi kokuhlala	Umasipala uzifuna ukuze akhuphe isatifikethi sokuhlala. I-conveyancers zicela kwakhona i-CoC yombane, kunye ne-CoC yegesi ukuba ifakiwe, ekudluliselweni
Isatifikethi sokuhlala	Phambi kokunikezelwa	Sikhutshwa ngumasipala phantsi kwecandelo le-14 le-National Building Regulations and Building Standards Act
Uluhlu lweengxaki nokusayina	Kuhlolo lokunikezelwa	Sebenzisa ithempleyithi yoluhlu lweengxaki elungelelanisiweyo
Incwadi yomnini-khaya neewaranti	Ekunikezelweni	Izixhobo zombane, uphahla, ukungangeni kwamanzi, kunye newaranti ye-NHBRC (iminyaka emihlanu kwiziphene ezinkulu zesakhiwo)

Kwiiskimu ze-sectional title, yongeza amaxwebhu eskimu abathengi abaya kuwacela. Ezi ziquka iplani ye-sectional eyoyilwayo okanye ebhalisiweyo, ii-participation quota, iindawo zokusetyenziswa ngokukodwa, imithetho ye-body corporate kunye neshedyuli yokuqala ye-levy.

Izithiyo Ezikhokelela Kwiingxabano Ngexesha Lokuhlola Iingxaki

Uninzi lweengxabano zabathengi ekunikezelweni lubuyela kwisinye sezikhewu ezintandathu zenkqubo. Zilungise kwangoko kwaye usuku lokuhlola iingxaki luba luluhlu lokujonga nje.

Ukhetho olufike emva kwexesha olungenasiphumo. Chaza oko kwenzekayo ngokungagqibekanga kwaye ukusebenzise.
Uphuculo olungafakwanga kwi-invoyisi. Iqela lakho lesayithi lifuna umthetho omnye: akukho kowuti esayiniweyo, akukho msebenzi.
Izithembiso zentengiso ezingaphandle kwe-spec. I-arhente ithi “kunjalo ungafumana isitovu segesi”. Qeqesha abasebenzi bentengiso ngemenyu.
Indlu yomboniso ngokuchasene ne-spec. Abathengi bacinga ukuba bafumana lonke uphuculo abalubonileyo. Phawula uphuculo kwindlu yomboniso. Ukukhohlisa umthengi ngoko kukuquka kunokwaphula i-Consumer Protection Act.
Ukutshintshwa kwezinto okungabhalwanga. Uphawu olwahlukileyo lompompo ngaphandle kwemvume ebhaliweyo yingxabano.
“Asiyiyo le ndayikhethayo.” Ngaphandle kwephepha lokhetho elisayiniweyo ngeyunithi, lilizwi lakho ngokuchasene nelabo.

Iingxabano eziqala ekunikezelweni zidla ngokubuya kamva njengamabango eziphene. Isikhokelo sethu sexesha loxanduva lweziphene eMzantsi Afrika sichaza indlela oku kusebenza ngayo nokhuseleko lwe-NHBRC.

Indlela Abakhi BaseMzantsi Afrika Abaqhuba Ngayo Ukhetho Namhlanje

Uninzi lwabakhi bezindlu baseMzantsi Afrika luqhuba ukhetho nge-spreadsheet, i-imeyile ne-WhatsApp. Oko kusebenza de kube malunga neyunithi yamashumi amabini. Emva koko, umbuzo kukuba yeyiphi indlela egcina irekhodi enye ngeyunithi ngaphandle kokongeza ulawulo.

	I-spreadsheet + WhatsApp	Ifolda ekwabelwana ngayo ngeyunithi	Isoftware yezindlu zokuhlala ezinikeleyo
Ukhetho ngeyunithi kunye namaxabiso	Ngesandla, kulula ukwaphuka	Kunokwenzeka, kufuna amagama eefayile angqongqo	Yakhelwe ngaphakathi, kunye namaxabiso nokuvunywa kwabathengi
Umbono wenkqubela ojongene nomthengi	Hayi	Ikhonkco lefolda lokufunda kuphela	Iportali yomthengi enenkqubela enemihla
Imihla yokuvala ngeyunithi	Ngesandla	Ngesandla	Ilandelwa kunye nokhetho
Unxibelelwano neprogram yokwakha	Akukho	Akukho	Idityaniswe xa ucwangciso lukwisixhobo esinye
Iirekhodi ze-NHBRC nezatifikethi ngeyunithi	Ngesandla	Zifakwe ngesandla	Ilandelwa ngeyunithi
Isebenza ngaphandle kwe-intanethi ngexesha lokucinywa kombane	Ngokuyinxenye	Kuxhomekeke ekuhlanganiseni	Imo yokusebenza ngaphandle kwe-intanethi
Iindleko zokuyiqhuba	Imali encinci, ixesha elininzi lolawulo	Imali encinci, ixesha eliphakathi lolawulo	Umrhumo, ixesha elincinci lolawulo

Ifolda ekwabelwana ngayo ngeyunithi linyathelo lokuqala elifanelekileyo komakhi omncinci. Inyanzela irekhodi enye ngeyunithi kwaye ayibizi nto. Xa uvavanya isoftware, cela idemo ephilayo kwiintlobo zakho zeeyunithi. Jonga ukhetho nohlaziyo lomthengi, kubekwe ixabiso nge-ZAR, phambi kokuba usayine.

Isiphelo

Inkqubo yokhetho sisixhobo se-margin phambi kokuba ibe sisixhobo senkonzo yabathengi. Lungisa imenyu namaxabiso. Dibanisa yonke imihla yokuvala neprogram. Qhuba lonke utshintsho lomthengi ngekowuti esayiniweyo. Yabelana ngenkqubela namaxwebhu ngesingqi esimiselweyo, ngendlela enye. Ukunikezelwa kuba kukujonga oko kwavunyelwana ngako. Iportali yakho yomthengi inokuqala ilula kwaye ikhule. Uqeqesho kufuneka lubekho ukusukela kwiyunithi yokuqala oyithengisayo.

Imibuzo Ebuzwa Rhoqo

Yintoni iportali yomthengi yomakhi wezindlu?

Iportali yomthengi yindawo enye apho umthengi ngamnye abona khona ukhetho lweyunithi yakhe, imihla yokuvala, uhlaziyo lwenkqubela kunye namaxwebhu. Isebenza kakuhle xa umthengi ebona irekhodi efanayo iqela lakho elisebenza ngayo.

Abathengi kufuneka bakhethe nini izinto zokugqiba?

Ukhetho ngalunye kufuneka lube nomhla wokuvala odityaniswe neprogram yokwakha. Utshintsho loyilo luza phambi kokungeniswa kweplani, iiplagi zombane phambi kwe-wall plate, amakhitshi phambi kokugqitywa kophahla, kunye neethayile phambi kwe-screed. Beka imihla kwisivumelwano sentengiso okanye kwisongezo sokhetho.

Abakhi bezindlu kufuneka bahlawulise njani uphuculo lwabathengi?

Sebenzisa imenyu emiselweyo ebekwe ixabiso nge-ZAR, kuqukwa i-VAT kunye nentlawulo yolawulo. Fumana ikowuti esayiniweyo kulo lonke utshintsho. Uphuculo lwemali eshushu ludla ngokuhlawulwa kwangaphambili, kuba ibhondi yomthengi ivunyelwe isixa esimiselweyo. Utshintsho kwixabiso lokuthenga kufuneka lungene kwisongezo esibhaliweyo esisayinwe ngamacala omabini, esijongwe yi-conveyancer yakho.

Ngawaphi amaxwebhu umthengi afanele awafumane phambi kokunikezelwa?

Ubuncinane: isivumelwano esisayiniweyo nezongezo, ukuqinisekiswa kokhetho, iiplani ezivunyiweyo, isatifikethi sokubhaliswa kwe-NHBRC, izatifikethi zombane nezamanzi, isatifikethi sokuhlala, uluhlu lweengxaki kunye nencwadi yomnini-khaya. Abathengi be-sectional title bakwafuna amaxwebhu eskimu.

Amanqaku Anxulumeneyo: