Izindleko Zabaqashi Ababi eNingizimu Afrika

Wonke umnini ndlu wazi umuntu onendaba yokwesabeka. Umqashi owayeka ukukhokha ngemva kwezinyanga ezintathu. Lowo owanyamalala ebusuku washiya u-R30,000 womonakalo. Lowo owalwa nokuxoshwa izinyanga eziyisishiyagalombili kuyilapho izinkokhelo zebhondi ziqhubeka ziphuma esikhwameni somnini ndlu.

Izindleko zabaqashi ababi eNingizimu Afrika yinto abanini abaningi kakhulu abayifunda ngendlela enzima. Lezi zenzakalo azivamile, zivame kabi, futhi cishe zonke ziyavikeleka. Le ndatshana ibeka izinombolo zangempela phansi futhi ichaza kungani ukuhlola kuzikhokhela.

Izindleko Zabaqashi Ababi eNingizimu Afrika: Okuboniswa Yizinombolo

I-TPN Rental Monitor ilandelela ukuziphatha kwabaqashi ekukhokheni kulo lonke elaseNingizimu Afrika. Idatha idwebe isithombe esicacile:

• U-12% kuya ku-18% wabaqashi baba semuva ngokukhokha noma kunini
• Isikhathi esijwayelekile sokuxosha ngokomthetho umqashi ongakhokhi siyizinyanga ezintathu kuya eziyisithupha
• Kuphela u-40% wabanini bezindlu bomuntu siqu benza noma yiluphi uhlobo lokuhlola ngaphambi kokusayina isivumelwano sokuqasha

Leyo statistiki yokugcina iyisihluthulelo. Iningi labanini bezindlu linikeza izikhiye kumuntu abangakaze bamqinisekise ngokweqiniso, bese bethemba okuhle.

Yini Ngempela Ekubizayo Umqashi Oyedwa Omubi

Ake sihambe sibheke isibonelo esingenzeka. Uqasha ifulethi enamakamelo amabili amalele eKapa nge-R12,000/ngenyanga. Umqashi wakho uyeka ukukhokha ngemva kwenyanga yesine.

Imali Yerentini Elahlekile

Inqubo yokuxoshwa ngokomthetho eNingizimu Afrika (ngaphansi kwe-Prevention of Illegal Eviction from and Unlawful Occupation of Land Act) idinga isaziso, imizamo yokulamula, isicelo sasenkantolo, kanye nokuphumeza ngumkhulumeli wenkantolo (sheriff). Ngisho nasesimweni esihle kunazo zonke, lokhu kuthatha izinyanga ezintathu. Ngokuvamile, kuthatha ezinhlanu kuya eziyisithupha.

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

Izindleko Zomthetho

Uzodinga ummeli ukuze aphathe isicelo sokuxoshwa. Izindleko ziyahlukahluka, kepha izindleko ezivamile zihlanganisa:

• Ukuxhumana nommeli kanye nencwadi yesimemezelo: R2,000 – R5,000
• Ukulungiselela isicelo sasenkantolo: R8,000 – R15,000
• Ukuvela enkantolo (uma kuphikiswana): R5,000 – R10,000
• Izindleko zomkhulumeli wenkantolo zokuphumeza: R2,000 – R4,000

Izindleko zomthetho: R15,000 – R30,000

Umonakalo Wempahla

Abaqashi abangakhokhi abazi ukuthi bayaxoshwa abavamile ukunakekela indlu. Umonakalo ovamile uhlanganisa:

• Izimbotshana ezindongeni, iminyango neminye impahla ephukile
• Izinto zokukhanya, amageyza, noma izinsiza ezisusiwe
• Amapayipi anganakekelwe ahola umonakalo wamanzi
• Ukuwohloka kwengadi nangaphandle kwendlu

Ngisho umonakalo ophakathi nendawo ubiza cishe u-R10,000 – R25,000 ukuwulungisa. Idiphozithi ngaphansi kweRental Housing Act, uma uyiqoqile, ivame ukungawugcwalisi wonke umonakalo, ikakhulukazi uma sekubalwa nenzalo.

Ukulungiswa komonakalo: R10,000 – R25,000 (ngemva kokukhishwa kwediphozithi)

Izindleko Zokuqasha Kabusha

Uma indlu isilungisiwe, udinga umqashi omusha. Bala:

• Ukukhangisa: R500 – R2,000
• Ukuhlanza nokulungiselela: R2,000 – R5,000
• Isikhathi indlu ingenamqashi ngenkathi kutholwa umqashi omusha: amasonto ama-2-4 (enye i-R6,000 – R12,000 yerenti elahlekile)

Izindleko zokuqasha kabusha: R8,500 – R19,000

Isamba Sonke

Uma konke kuhlanganiswa kuqasho olulodwa olubi:

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

Isamba sonke sezindleko: R93,500 – R146,000

Ukuze kuqondakale kangcono, lokho kucishe kube izinyanga eziyisi-8 kuya kweziyi-12 zemali yerentini ezicishe zibhuqwe isinqumo esisodwa esibi.

Izindleko Ezifihliwe Okungakhulunywa Ngazo

Umonakalo wezezimali uyingxenye nje yendaba. Ukuqashwa okubi kudonsa izindleko ezingaveli kunoma yimuphi umqulu wemali okumele ikhokhwe.

Umthwalo Wengqondo

Ukubhekana nomqashi ongakhokhi kucindezelekile. Imilayezo yasebusuku, izithembiso eziphuka (“Ngizokhokha ngesonto elizayo”), nokungaqiniseki komthetho. Abanini bezindlu bavame ukubika ukukhathazeka, ukuphazamiseka kokulala, kanye nokucindezeleka kobudlelwane phakathi nezinqubo zokuxoshwa ezide.

Izindleko Zethuba

Iyunithi ngayinye yehora ochitha ukulandelela ukungakhokhi, ukuhlangana nabameli, nokuqapha ukulungiswa kwendlu, iyihora ongalisebenzisi emsebenzini wakho, emndenini wakho, noma ekutholeni amathuba amahle kakhulu okutshala imali. Kubanini bezindlu abaphatha izindlu kanye nomsebenzi wesikhathi esigcwele, izindleko zesikhathi zinkulu kakhulu.

Ingcindezi Yebhondi Nokuhamba Kwemali

Uma ukhokha ibhondi endlini, ibhange alinandaba nokuthi umqashi wakho akakhokhi. Uma waphutha izinkokhelo zebhondi ezanele, uba sengozini yokulimaza irekhodi lakho lezikweletu, noma okubi nakakhulu, ibhange lingase libize yonke imali yesikweletu ngasikhathi sinye.

Izinkinga Zomshwalense

Umshwalense ojwayelekile womnini ndlu awuwuboni umonakalo owenziwe umqashi noma ukulahlekelwa yimali yerentini (ngaphandle uma unomshwalense othile wokuqasha). Abanini abaningi bakuthola sekwephuze kakhulu.

Kungani Abanini Bezindlu Bengahloli?

Uma izindleko zomqashi omubi ziphakeme kangaka, kungani u-60% wabanini bezindlu behlukanise ukuhlola? Izizathu ziyisimanga zibonisa ubuntu:

“Kubiza kakhulu”

Ukuhlolwa kwezikweletu ngamunye kubiza u-R50-R150 ebhuloni ngalinye. Isethi yokuhlola samabhuro amaningi ibiza u-R200-R400 kumfaki sicelo ngamunye. Uma uhlola abafaki sicelo abathathu esikhaleni esisodwa, lokho kungu-R600-R1,200 ephuma esikhwameni sakho, ngaphandle kwesiqinisekiso sokuthi uzothola umuntu ofanele.

Iqiniso: Ukuhlola kubiza ngaphansi kuka-1% walokho okubizwa umqashi omubi. Akuyona indleko, kuwumshwalense.

”Ngingakwazi ukwahlulela isimilo”

Abanini abaningi bezindlu bathemba imizwa yabo kusukela ekubukeni indlu noma ekuxoxeni. Umfaki sicelo wayembethe kahle, enomusa, futhi enokuxhawula okuqinile.

Iqiniso: Abaqashi abaziyo ukuthi bakwenzani, abantu abahlose ngamabomu ukuxhaphaza abanini bezindlu, bangochwepheshe ekwenzeni umbono omuhle wokuqala. Ubumnandi abukhokhi irenti. Idatha iyakhokha.

”Bathunyelwe umuntu engimaziyo”

Ukuthunyelwa ngabantu ngokwabo kuzwakala kuphephile. Uma umzala womsebenzi wakho edinga indawo, angeke yini kube yingozi ephansi?

Iqiniso: Ukuthunyelwa yisiqalo esihle, kepha akusinzalo yokuqinisekisa okungenamkhethe. Umuntu omuhle emphakathini angase abe nesikweletu esingu-R100,000 kanye nokuxoshwa okubili kwangaphambili.

”Ngidinga nje umuntu ngokushesha”

Isikhala esingenamqashi sibiza imali. Uma indlu ihleli ingenalutho, ingcindezi yokuyigcwalisa ngokushesha ingase idlule ukuqaphela.

Iqiniso: Indlu engenamqashi ikubiza irenti yenyanga eyodwa. Umqashi omubi ukubiza izinyanga eziyisi-8 kuya kweziyi-12. Ukuthatha amasonto amabili ngaphezulu ukuze uhlole ngokufanele kungumshwalense oshibhile kunazo zonke ozowuthenga.

”Inqubo iyinkimbinkimbi kakhulu”

Ukubhalisa namabhuro ezikweletu, ukuthola imvume ye-POPIA, ukuchaza imibiko – konke lokhu kungazizwa kudlame, ikakhulukazi kumnini ndlu onendlu eyodwa noma ezimbili.

Iqiniso: Lokhu kwakuyiqiniso ngesikhathi esidlule. Namuhla, amapulatifomu okuphatha ukuqasha ahlanganisa yonke inqubo ku-dashboard eyodwa. Bheka umhlahlandlela wethu wokuhlola abaqashi eNingizimu Afrika wendlela ehlelekile ethatha izinsuku, hhayi amasonto.

I-ROI Yokuhlola

Ake senze izibalo zicace:

Ngaphandle kokuhlola:

• Amathuba okuba nomqashi onenkinga (kususelwa kudatha yokusalela emuva ekukhokheni yaseNingizimu Afrika): ~15%
• Izindleko ezilindelekile ngoqasho olubi ngalunye: R93,500 – R146,000
• Ukulahlekelwa okulindelwe onyakeni (indlu eyodwa, ukushintsha komqashi okukodwa): R14,000 – R22,000

Ngokuhlola (usebenzisa i-Indlu nge-R99/ngenyanga):

• Izindleko zonyaka: R1,188
• Ukwehla kwengozi yomqashi omubi: kulinganiselwa ku-70-80% (kususelwa kudatha yemboni ebonisa ukuthi abaqashi abahloliwe bayehluleka ukukhokha ngezinga eliphansi kakhulu)
• Ukulahlekelwa okulindelekile onyakeni ngemva kokuhlola: R2,800 – R6,600

Ukonga kwansuku zonke: R8,000 – R18,000 onyakeni, kwindlu ngayinye.

Kumnini ndlu onezindlu ezintathu, lokho kungu-R24,000 – R54,000 onyakeni ekugwemeni ukulahlekelwa, kusukela kutshalomali lonyaka lwe-R1,188. Lokho kuyimbuyiso engu-20x kuya ku-45x.

Ukuhlola Okuhle Kubukeka Kanjani

Ukuhlola abaqashi ngempumelelo akudingi iziqu zomthetho noma amahora amaningi ocingo. Inqubo ehlelekile ihlanganisa:

1. Isicelo esibhaliwe – ifomu elijwayelekile eliqoqa yonke imininingwane edingekayo
2. Ukuqinisekiswa kwe-ID – ukuhlolwa okuzenzakalelayo kwe-Home Affairs
3. Ukuhlolwa kwezikweletu kumabhuro amaningi – i-TPN, i-TransUnion, ne-Experian ukuze kutholakale isithombe esiphelele (amabhuro abika umlando wokukhokha irenti nokuziphatha ngokwezikweletu)
4. Ukuqinisekiswa komsebenzi nengeniso – amaphepha eholo, izitatimende zasebhange, ukuqinisekiswa umqashi wemisebenzi
5. Izinkomba zabanini bezindlu bangaphambilini – imibuzo ehlelekile, hhayi nje ukubuza “babenjani?”
6. Ukuhlolwa kokukwazi ukukhokha – isilinganiso serentini-kuya-engenisweni ngaphansi kuka-30%
7. Ukuthobela i-POPIA – imvume ebhaliwe phambi kokucutshungulwa kwanoma iyiphi idatha

Inqubo yonke kufanele ithathe izinsuku, hhayi amasonto. Ngezinsiza ezifanele, iningi lalokhu lingaqedwa ngesikhathi sokuhlala okukodwa.

Ukuvimbela Kushibhe Kunokwelapha

Abanini bezindlu baseNingizimu Afrika ndawonye balahlekelwa izigidigidi zamarandi minyaka yonke ngenxa yokwehluleka kwabaqashi ukukhokha, umonakalo wempahla, kanye nezindleko zokuxoshwa. Iningi elikhulu lalezi zilahlekelo liyavikeleka.

Ukuhlola akuyona intokozo yezinkampani ezinkulu zezindlu, kuyinqubo eyisisekelo yokuphatha ubungozi okumele wonke umnini ndlu, kusukela kumtshalimali oneyunithi eyodwa kuya kumnini wephothifoliyo, ayithathe njengento engaphikiswa.

Umbuzo awukhona ukuthi ungakukwazi yini ukukhokhela ukuhlola abaqashi. Kungukuthi ungakukwazi yini ukungakwenzi lokho. Ukunciphisa izindleko zabaqashi ababi eNingizimu Afrika kuqala ngokuhlola wonke umfaki sicelo ngendlela efanele.

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Bheka ukuthi ukuhlola abaqashi kungayivikela kanjani imali yakho yerentini futhi kunciphise ubungozi bokusalela emuva nokuxoshwa, ukuhlolwa kumabhuro amaningi, ukuqinisekiswa kwe-ID, nokuthobela i-POPIA konke kusuka ku-dashboard eyodwa.