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Izindleko Zabaqashi Ababi eNingizimu Afrika | Kungani Ukuhlola Kuyakhokha

Indlu Team 5 imizuzu ukufunda
Izindleko Zabaqashi Ababi eNingizimu Afrika | Kungani Ukuhlola Kuyakhokha

Wonke umnini indlu owaziyo umuntu onendaba yokwesabeka. Umoqashi owayeka ukukhokha ngemva kwezinyanga ezintathu. Lowo owanyamalala ebusuku, washiya u-R30,000 womonakalo. Lowo owalwa ukuxoshwa izinyanga eziyisishiyagalolunye kuyilapho izinkokhelo zebhondi ziqhubeka ziphuma ekhwameni lomnini indlu.

Izindleko zabaqashi ababi eNingizimu Afrika yinto abanini abaningi kakhulu abayifunda ngendlela enzima. Lezi zenzeko azivelakali — zivame kakhulu, futhi cishe zingavikelelwa ngokuphelele. Le ndatshana ichaza izinombolo zangempela nokuthi kungani ukuhlola kuzikhokhela.

Izindleko Zabaqashi Ababi eNingizimu Afrika: Okubonisa Izinombolo

I-TPN Rental Monitor ilandelela ukuziphatha kwabaqashi ekukhokheni kuyo yonke iNingizimu Afrika. Idatha ibonisa isithombe esicacile:

  • Ukuphakama kwe-12% kuya ku-18% kwabaqashi basekweletweni noma kunini
  • Isikhathi esijwayelekile sokuxosha umoqashi ongakhokhi ngokomthetho siyizinyanga ezintathu kuya eziyisithupha
  • Kuphela u-40% wabanini abasemaphiveni abenza uhlobo oluthile lokuhlola ngaphambi kokusayina inkontileka

Lelo statistikhi lokugcina liyisihluthulelo. Iningi labanini linikeza okhiye umuntu abangakaze baqinisekise — bese belindela okuhle.

Izindleko Zangempela Zomoqashi Omunye Omubi

Masihambe ngomumoqashi ongaba khona. Uqasha ifulethi enamakamelo amabili eKapa nge-R12,000/nyanga. Umoqashi wakho uyeka ukukhokha ngemva kwenyanga yesine.

Imali Yerenti Elahlekile

Inqubo yokuxosha ngokomthetho eNingizimu Afrika (ngaphansi kwe-Prevention of Illegal Eviction from and Unlawful Occupation of Land Act) idinga isaziso, imizamo yokulamula, isicelo sakantolo, nokuphumeza ngumphathi. Nasezingeni elihle kakhulu, kuthatha izinyanga ezintathu. Ngokuvamile, kuthatha ezintathu kuya eziyisithupha.

Irenti elahlekile: R60,000 – R72,000 (izinyanga ezi-5-6 nge-R12,000)

Imali Yezomthetho

Uzodinga ummeli ukuthatha isicelo sokuxoshwa. Izindleko ziyahluka, kepha imali ejwayelekile ihlanganisa:

  • Ukuxoxisana nommeli nencwadi yokucela: R2,000 – R5,000
  • Ukulungisa isicelo sakantolo: R8,000 – R15,000
  • Ukuvela enkantolo (uma kuphikiswana): R5,000 – R10,000
  • Izindleko zikamphathi zokuphumeza: R2,000 – R4,000

Imali yezomthetho: R15,000 – R30,000

Umonakalo Wempahla

Abaqashi abangakhokhi abazi ukuthi baxoshwa bavame ukungayiphathi kahle indlu. Umonakalo ovamile uhlanganisa:

  • Izimbobo ezindongeni, iminyango ephukile nezingxenyana
  • Izikhiye zokukhanya ezisusiwe, amageyza, noma izinto zikagesi
  • Ipayipi elinganakekelwa eliholela umonakalo wamanzi
  • Ukuwohloka kwengadi nangaphandle

Nomonakalo ophakathi nendawo ngokuvamile ubiza u-R10,000 – R25,000 ukuyilungisa. Idiphozithi ngaphansi kwe-Rental Housing Act — uma uyiqoqe — iyavame ukungayigcwalisi yonke, ikakhulukazi ngemva kokukhokhelwa kwenzalo.

Ukulungisa umonakalo: R10,000 – R25,000 (ngemva kwediphozithi)

Izindleko Zokuqasha Kabusha

Uma indlu isilungisiwe, udinga umoqashi omusha. Bala:

  • Ukukhangisa: R500 – R2,000
  • Ukuhlanza nokulungisa: R2,000 – R5,000
  • Isikhathi sokungabi namoqashi ngenkathi uthola umoqashi omusha: amasonto ama-2-4 (enye i-R6,000 – R12,000 yerenti elahlekile)

Izindleko zokuqasha kabusha: R8,500 – R19,000

Isamba

Sikuhlanganise konke ukuqashwa okukodwa okubi:

  • Irenti elahlekile: R60,000 – R72,000
  • Imali yezomthetho: R15,000 – R30,000
  • Umonakalo: R10,000 – R25,000
  • Ukuqasha kabusha: R8,500 – R19,000

Isamba sonke: R93,500 – R146,000

Ngokomongo, lokho cishe izinyanga eziyisishiyagalombili kuya eziyishumi nambili zerenti eziphela ngesinqumo esibodwa esibi.

Izindleko Ezifihliwe Abantu Abangazikhulumi

Umonakalo wezezimali kuphela ingxenye yendaba. Ukuqashwa okubi kubiza izindleko ezingaveli kunoma yiluphi i-invoyisi.

Umthwalo Wemizwa

Ukubhekana nomoqashi ongakhokhi kucindezelekile. Imilayezo ebusuku, izithembiso eziphukile (“Ngizokhokha ngesonto elizayo”), ukungaqiniseki komthetho. Abanini bavame ukubika ukukhathazeka, ukuphazamiseka kokulala, nokuphazamiseka kobudlelwane ngesikhathi sezinqubo zokuxoshwa ezide.

Inkokhelo Yethuba

Ikhathi ngayinye ochitha ukuphishekela ukwehluleka, ukuhlangana nabameeli, nokuqapha ukulungiswa iyikhathi engenasibo esebenzeni sakho, emndenini wakho, noma ekutholeni amathuba amahle. Abanini abaphatha izindlu kanye nomsebenzi ougcwele, isikhathi sibaluleke kakhulu.

Ukucindezelwa Kwebhondi Nokuhamba Kwemali

Uma usebenza ngebhondi yendlu, ibhange ayinankinga ukuthi umoqashi wakho akakhokhi. Ukuphuthela izinkokhelo zebhondi ezanele futhi usengozini yirekhodi lakho lesikweletu — noma okubi kakhulu, ibhange libize imali.

Izinkinga Zezinsiza

Umshwalense ojwayelekile womnini indlu awuveli umonakalo owenziwe umoqashi noma ukulahlekelwa yerenti (ngaphandle kokuthi unemshwalense wokuqasha othile). Abanini abaningi bakuthola sekwedlule isikhathi.

Kungani Abanini Bengahloli?

Uma izindleko zomoqashi omubi ziphakeme kangaka, kungani u-60% wabanini ephusha ukuhlola? Izizathu zinemvelo:

“Zibiza kakhulu”

Ukuhlola izikweletu ngamunye kubiza u-R50-R150 ebhuro. Isixhumanisi sokuhlola samabhuro amaningi sibiza u-R200-R400 kumfaki sicelo. Uma uhlola abathathu abazongenela isikhala esisodwa, lokho u-R600-R1,200 ekhwameni — ngaphandle kwesiqinisekiso sokuthi uzothola umuntu ofanele.

Iqiniso: Izindleko zokuhlola zingaphansi kuka-1% walezo zomoqashi omubi. Akuyona indleko — umshwalense.

“Ngiyakwazi ukwahlulela isimilo”

Abanini abaningi bathemba izinstinct zabo kusukela ekubukeni noma ezingxoxweni. Umfaki sicelo wayegqoke kahle, wayenomusa, futhi wayenokuxhawula okuqinile.

Iqiniso: Abaqashi abasebenza — abantu abahlose ukuxhaphaza abanini — zingochwepheshe ekwenzeni imphression yokuqala emihle. Ubumnandi abukhokhi irenti. Idatha iyakhokha.

“Babethulwe umuntu engimaziyo”

Izindudumo zomuntu siqu zizizwa zisebenzise. Uma umzala womqeqeshwa wakho udinga indawo, mhlawumbe ingozi ephansi?

Iqiniso: Izindudumo ziyisiqalo esihle, kepha azisemeli ukuqinisekisa okuphathelene. Umuntu omuhle emphakathini angase abe ne-R100,000 yezikweletu nokuxoshwa okubili okwedlule.

“Ngidinga umuntu masinyane”

Isikhala sibiza imali. Lapho indlu ihleli ingenalutho, ukucindezelwa kokuyigcwalisa masinyane kungadlula ukuqaphela.

Iqiniso: Indlu engenamoqashi ikubiza irenti yenyanga eyodwa. Umoqashi omubi kubiza izinyanga eziyisishiyagalombili kuya eziyishumi nambili. Ukuthatha amasonto amabili ezingeze ukuhlola kahle umshwalense obiza kakhulu ozowuthenga.

“Inqubo iyinkimbinkimbi kakhulu”

Ukubhalisa namabhuro ezikweletu, ukuthola imvumo ye-POPIA, ukuchaza imibiko — kungazizwa kudlame, ikakhulukazi umnini indlu one-indlu eyodwa noma ezimbili.

Iqiniso: Lokhu bekuyiqiniso. Namuhla, amapulatifomu okuphatha ukuqasha ahlanganisa inqubo yonke kudashi board eyodwa. Bona umhlahlandlela wethu wokuhlola abaqashi eNingizimu Afrika indlela ehlelekile ethatha izinsuku, hhayi amasonto.

I-ROI Yokuhlola

Masibenze imathothi ibe sobala:

Ngaphandle kokuhlola:

  • Amandla okuba nenkinga yomoqashi (kusekelwe kudatha ye-SA yokwehluleka): ~15%
  • Inani elilindelwe ngenani elibi: R93,500 – R146,000
  • Ukulahlekelwa okulindelwe ngonyaka (indlu eyodwa, ukushintsha komoqashi okukodwa): R14,000 – R22,000

Ngokuhlola (kusebenzisa i-Indlu nge-R99/mo):

  • Izindleko zonyaka: R1,188
  • Ukuncipha kwingozi yomoqashi omubi: okulinganiselwe 70-80% (kusekelwe kudatha yemboni ekhombisa abaqashi abahloliwe behluleka ngamanani aphansi kakhulu)
  • Ukulahlekelwa okulindelwe ngemva kokuhlola: R2,800 – R6,600

Ukusindisa okunetha: R8,000 – R18,000 ngonyaka, ngepredi ngayinye.

Kumnini indlu onezindlu ezintathu, lokho u-R24,000 – R54,000 ngonyaka ekugwemeni ukulahlekelwa — kusukela kutalo lonyaka lwe-R1,188. Lokho kubuya okungu-20x kuya ku-45x.

Ukuhlola Okuhle Kubukeka Kanjani

Ukuhlola abaqashi ngempumelelo akudingi degree yomthetho noma amahora amacalls. Inqubo ehlelekile ihlanganisa:

  1. Isicelo esibhaliwe — ifomu elijwayelekile eliqoqa yonke imininingwane edingekayo
  2. Ukuqinisekisa i-ID — ukuhlola okuzenzekelayo kwe-Home Affairs
  3. Ukuhlola izikweletu samabhuro amaningi — TPN, TransUnion, ne-Experian isithombe esiphelele (amabhuro abika umlando wokukhokha irenti nokuziphatha ngezikweletu)
  4. Ukuqinisekisa umsebenzi nengeniso — amaphepha emiholo, izitatimende zebhange, ukuqinisekisa umqashi
  5. Izindudumo zabanini abadlule — imibuzo ehlelekile, hhayi nje “bebehle?”
  6. Ukuhlola ukukwazi ukukhokha — isilinganiso serenti-kuya-ku-ingeniso ngaphansi kuka-30%
  7. Ukuthobela i-POPIA — imvumo ebhaliwe ngaphambi kokucutshungulwa kwedatha noma yini

Inqubo yonke kufanele ithathe izinsuku, hhayi amasonto. Ngezinsiza ezifanele, iningi lingaqedwa ngokuhlala okukodwa.

Ukuvikelela Kubiza Kancane Kunelapho

Abanini baseNingizimu Afrika ndawonye balahlekelwa izigidigidi zamarandi ngonyaka ekwehlulekeni kwabaqashi, umonakalo wepredi, nezindleko zokuxoshwa. Iningi elikhulu lalezi zilahleko kungavikelelwa.

Ukuhlola akuyona into yokuziqhenya yizinkampani zezindlu ezinkulu — kuyinqubo yokuphatha ingozi eyisisekelo wonke umnini indlu, kusukela kumthengi we-unit eyodwa kuya kumnini wephotholiyo, kufanele akubheke njengento engaphikiseki.

Umbuzo akuwona ukuthi ungakwazi yini ukukhokhela ukuhlola abaqashi. Kungukuthi ungakwazi yini ukungakhokheli. Ukunciphisa izindleko zabaqashi ababi eNingizimu Afrika kuqala ngokuhlola wonke umfaki sicelo ngendlela efanele.

Bona ukuthi ukuhlola abaqashi kungavikela kanjani ingeniso yakho yokuqasha futhi kunciphise ingozi yokwehluleka nokuxoshwa — ukuhlola amabhuro amaningi, ukuqinisekisa i-ID, nokuthobela i-POPIA kusuka kudashi board eyodwa.

Ibhalwe ngu

Indlu Team

Xhumana nathi