Isango Lomthengi Labakhi Bezindlu: Qhuba Ukukhetha Kahle

Iningi lezingxabano ngosuku lokuhlola izinkinga (ukuhlola ekunikezelweni) liqala ezinyangeni eziningi ngaphambili. Umthengi ukhetha ithayela nge-WhatsApp, futhi akekho obhala intengo. Abathengi ezivumelwaneni ze-off-plan ne-plot-and-plan bafuna ukukhetha. Abaningi bazokhokhela ukuthuthukiswa kwe-spec ejwayelekile. Uma uyiqhuba kahle, yengeza inzuzo. Uma uyiqhuba kabi, ilahlekisa isikhathi, imali nobudlelwano obuhle.

Lo mhlahlandlela uchaza indlela yokusungula inqubo yokukhetha komthengi kanye nesango lomthengi lomakhi wezindlu noma umthuthukisi we-estate waseNingizimu Afrika: imenyu yezinketho, izinsuku zokuvala, izinguquko zomthengi, izibuyekezo zenqubekelaphambili, amadokhumenti, kanye nezicupho ezidala izingxabano ekunikezelweni.

Lokho Isango Lomthengi Elikwenzela Umakhi Wezindlu

Isango lomthengi yindawo eyodwa lapho umthengi ngamunye ebona khona iyuniti yakhe, ukukhetha, izinsuku zokugcina nenqubekelaphambili. Ithimba lakho liyeka ukuphendula imibuzo efanayo ngocingo. Lingaba yimojuli yesoftware noma ifolda eyabelwanayo egcinwe kahle ngeyuniti ngayinye. Okubalulekile wumthetho: irekhodi elilodwa ngeyuniti, futhi umthengi ubona irekhodi ithimba lakho elisebenza ngalo.

Komakhi wezindlu othengisa futhi akhe ngasikhathi sinye, isango lenza imisebenzi emine:

Ukukhetha. Umthengi ubona i-spec ejwayelekile, izinketho ezinentengo, nalokho akukhethile futhi wakusayina.
Izinsuku zokugcina. Ukukhetha ngakunye kunosuku lokuvala oluxhunywe nohlelo lokwakha.
Inqubekelaphambili. Izibuyekezo ezinezinsuku ngeyuniti, okungcono kube nezithombe zesayithi.
Amadokhumenti. Isivumelwano sokuthengisa, izengezo, amapulani agunyaziwe, ukubhaliswa kwe-NHBRC, izitifiketi nephakethe lokunikezelwa.

Isango lomthengi liphinde libambe ulwazi lomuntu, njengamagama, izinombolo ze-ID nemininingwane yokuxhumana. Isigaba sama-19 se-Protection of Personal Information Act (POPIA) sidinga ukuthi ulugcine lukhuselekile. Ekusebenzeni, umthengi ngamunye kufanele abone kuphela iyuniti yakhe, futhi ukufinyelela kwabasebenzi kufanele kuvumelane nendima yabo.

Ku-estate enkulu noma eskimini se-sectional title, ubuningi buyinkinga. Abathengi abangamashumi amane ngamunye ebuza “iyuniti yami izoqedwa nini?” njalo emasontweni amabili bangathatha amahora amaningi esikhathi sabasebenzi ngesonto. Uma ukhetha isoftware yomsebenzi wonke, umhlahlandlela wethu wesoftware yabakhi bezindlu eNingizimu Afrika uhlanganisa uhlu lokuhlola lokuthenga. Lo mbhalo uhlala enqubweni.

Yakha Imenyu Yokukhetha Abathengi Abangakhetha Kuyo

Qala ngemenyu emisiwe enezintengo ezimisiwe ngamaRandi, futhi unciphise izicelo ezikhethekile. Imenyu iguqula izicelo ezikhethekile zibe yizinto eziphindaphindekayo ezinezindleko ezaziwayo.

Imenyu esebenzayo inezingqimba ezintathu:

I-spec ejwayelekile. Lokho okufakwe entengweni yokuthengisa. Cacisa: uphawu noma uhlobo, izinketho zemibala, izinani. “Amathayela yonke indawo” kumema impikiswano. “I-porcelain 600 x 600, izinketho zemibala ezintathu, izindawo zokuhlala nezindawo ezimanzi” akuyimemi.
Izinketho ezinentengo. Ukuthuthukiswa okuvamile ngentengo emisiwe ngohlobo lweyuniti, kufakwe i-VAT kanye nenzuzo yakho yokuphatha.
Izinguquko zesakhiwo noma zokuklama. Zibekwa intengo ngokwesimo ngasinye, nenkokhelo yomakhi-mklami nokubuyekezwa kwepulani. Zivunyelwe kuphela ngaphambi kokuthi amapulani eyuniti aye kumasipala.

Isibonelo seyuniti enamagumbi okulala amathathu ku-estate yaseGauteng. Izintengo zakho zizohluka.

Isigaba sokukhetha	Isibonelo sento	Intengo eyisibonelo (ZAR, kufakwe i-VAT)	Kufaka
Phansi	Ukuthuthukisa amagumbi okulala kusuka kukhaphethi kuya ku-laminate	R18,000 kuya ku-R28,000	Izinto zokwakha, umsebenzi, i-skirting
Ikhishi	Iziphezulu zetshe esikhundleni se-post-formed	R25,000 kuya ku-R45,000	Ithempulethi, ukuhlinzeka, ukufaka
Ugesi	Amaplaki amabili angeziwe (ngeplaki ngayinye)	R850 kuya ku-R1,400	Iplaki, izintambo, kufakwe ku-CoC kagesi
Izindlu zokugeza	Umnyango weshawa ongenafreyimu	R9,000 kuya ku-R15,000	Ukuhlinzeka nokufaka
Amandla	I-DB elungele ilanga nezintambo ze-inverter	R12,000 kuya ku-R22,000	Izintambo kuphela, awekho amaphaneli
Ukuklama	Ukuguqula igumbi lokufunda libe yigumbi lokulala lesine	Kunikezwa intengo ngepulani	Inkokhelo yomakhi-mklami, ukubuyekezwa kwepulani, inkokhelo yokuphatha

Beka intengo kuyo yonke inketho kufakwe inkokhelo yakho yokuphatha. Abakhi babeka intengo ezintweni zokwakha nasemsebenzini. Bakhohlwa amahora achithwa ezilinganisweni zentengo, ezibuyekezweni zamapulani nasekwazisweni kwesayithi. Inkokhelo yokuphatha emisiwe ngoshintsho ngalunye imboza leyo ndleko futhi inqande izinguquko ezingabalulekile.

Khiya izintengo zemenyu isikhathi esishiwo, isibonelo kuze kube sekukhishweni kokugcina kokuthengisa kwesigaba. Imenyu engenalo usuku lokuphelelwa iba yinkinga yenzuzo esigabeni sesibili.

Xhumanisa Izinsuku Zokuvala Zokukhetha Nohlelo

Ukukhetha ngakunye kudinga usuku lokuvala olumiswe wuhlelo lokwakha. Umthengi kufanele alubone ngosuku asayina ngalo. Ukukhetha okwephuzile kungesinye sezizathu ezivamile zokuthi iyuniti isale ngemuva komakhelwane bayo ku-estate. Iyuniti eyodwa elinde ukukhetha kwekhishi ibambezela ofaka amakhabethe.

Sebenza ubuyela emuva kusukela esigabeni lapho into ngayinye ifakwa noma i-odwa khona. Bese wengeza izikhathi zokulinda zabahlinzeki.

Isigaba sokukhetha	Usuku lokuvala lokugcina	Isigaba sohlelo esisivikelayo	Kungani kubalulekile
Izinguquko zokuklama nezesakhiwo	Ngaphambi kokuhanjiswa kwepulani	Imvume kamasipala nokubhaliswa kwe-NHBRC	Izinguquko ngemuva kwemvume zisho ukuchitshiyelwa kwepulani nokubambezeleka
Amaplaki kagesi namanzi	Ngaphambi kokuthi izitini zifike ku-wall plate	Ukugubha izindonga ne-first fix	Ukushintsha amaplaki ngemuva kukadaka kusho ukugubha izindonga eziqediwe
Amawindi neminyango	Ngaphambi kweslabhu noma izitini zokuqala	Uku-oda amafreyimu	Amafreyimu ensimbi ne-aluminium athatha isikhathi eside ukufika
Ikhishi nomsebenzi wokhuni	Ngaphambi kokuqedwa kophahla	Ukulinganisa nokwenziwa	Abenzi bamakhabethe badinga amasonto angu-4 kuya ku-6
Amathayela nezinto zaphansi	Ngaphambi kwe-screed	Uku-oda nokubeka	Ukukhetha okwephuzile kuthinta ukutholakala kwesitoko
Imibala kapende, izinto zangasese, i-ironmongery	Ngaphambi kwe-second fix	Ukuqedela	Yizinto zokugcina, kodwa zisadinga isikhathi sokuziyala

Imithetho emibili yenza izinsuku zokuvala zihlale. Okokuqala, beka izinsuku esivumelwaneni sokuthengisa noma esengezweni sokukhetha. Chaza okwenzekayo uma umthengi ephuthelwa wusuku: kusebenza i-spec ejwayelekile. Bhala lokhu ngolimi olulula, njengoba i-Consumer Protection Act idinga ezivumelwaneni zabathengi. Okwesibili, thumela izikhumbuzo ezinsukwini ezingu-14 nezinsukwini ezi-3 ngaphambi kosuku ngalunye lokuvala.

Ezivumelwaneni ze-plot-and-plan, uhlelo luphinde luqhube ukukhishwa kwemali yebhange ngokwenqubekelaphambili. Ibhange likhokha imali yokwakha ngezigaba, ngemuva kokuthi umhloli walo ahlole isigaba ngasinye. Iyuniti elinde ukukhetha kwethayela ayikwazi ukufinyelela esigabeni esilandelayo, ngakho ukukhishwa kwemali okulandelayo kuyalinda. Lokho kuxhuma ukukhetha ngqo ne-cash flow, njengoba kuchazwa emhlahlandleleni wethu wezimali zokuthuthukiswa kwezindlu zokuhlala.

Usalandelela ukukhetha kwabathengi ku-WhatsApp nakumaspredishithi? I-Wakha ilandelela ukukhetha kweyuniti ngayinye, ukugunyazwa kwabathengi nezicelo zokuguqula ngokumelene nohlelo lwakho lwe-Gantt, futhi ibonisa abathengi inqubekelaphambili yabo kusango lomthengi: bona umboniso womkhiqizo.

Beka Intengo Futhi Ugunyaze Izinguquko Zomthengi Ngaphambi Kokuthi Umsebenzi Uqale

Alukho ushintsho lomthengi olwakhiwayo luze lubekwe intengo ngokubhaliwe futhi lusayinwe ngumthengi. Kufanele futhi lukhokhelwe, noma lwengezwe ngokusemthethweni entengweni yokuthenga. Umphathi wesayithi uyavuma “ukususa nje leyo plaki”. Ezinyangeni ezintathu kamuva akukho rekhodi, akukho nkokhelo futhi akukho lutho olufayiliwe kuchwepheshe kagesi.

Qhuba lonke ushintsho lomthengi ngezinyathelo ezifanayo:

Isicelo. Umthengi ucela ngendlela eyodwa, hhayi ku-foreman ngokuvakasha kwangoMgqibelo.
Isilinganiso sentengo. Ithimba lakho libeka intengo, kufakwe inkokhelo yokuphatha, noma iyiphi imali ebuyiselwayo yezinto ezijwayelekile ezisusiwe, kanye nanoma yimuphi umthelela ohlelweni.
Ukugunyaza. Umthengi usayina isilinganiso sentengo. Ngaphansi kwe-Alienation of Land Act, ukuthengiswa komhlaba kumele kubhalwe futhi kusayinwe yizinhlangothi zombili. Ushintsho entengweni yokuthenga kufanele lulandele ifomu elifanayo: isengezo esibhaliwe esisayinwe yizinhlangothi zombili. Cela i-conveyancer yakho ukuthi isihlole.
Inkokhelo. Nquma ukuthi ushintsho lukhokhelwa kanjani. Ukuthuthukiswa kwemali ekhokhwa ngokushesha ngokuvamile kukhokhwa kusengaphambili, ngoba ibhondi yomthengi igunyazwe ngenani elimisiwe. Uma ushintsho lwengezwa entengweni, ibhange lingadinga ukuphinda ligunyaze ibhondi. Lokho kungabambezela ukudluliswa.
Umyalelo. Kuphela manje lapho ithimba lesayithi lithola umyalelo, nesilinganiso sentengo esisayiniwe sinamathiselwe.
Irekhodi. Bhala ushintsho kumelene neyuniti ukuze luvele ekunikezelweni nasohlwini lwezinkinga.

Ushintsho lomthengi lungaphansi kwesivumelwano sokuthengisa. Ushintsho lukasonkontileka lungaphansi kwenkontileka yakho yokwakha, ngokuvamile ifomu elijwayelekile le-JBCC, NEC noma GCC. Uma ushintsho lomthengi lushintsha umsebenzi kasonkontileka, udinga amarekhodi womabili, axhumene. Ngaleyo ndlela ubiza umthengi futhi ukhokhele usonkontileka ushintsho olufanayo.

Qaphela ukushintshwa kwezinto. Uma uphawu olushiwo luphelile esitokweni bese ulushintsha, thola imvume ebhaliwe yomthengi kuqala. Abathengi babona uphawu olunegama njengophawu lwekhwalithi. Ukushintsha buthule kuba yisikhalazo ekunikezelweni.

Gcina Abathengi Bebuyekeziwe Ngaphandle Kwesiphepho Se-WhatsApp

Misa isigqi esimisiwe sezibuyekezo ngeyuniti, futhi abathengi bazoyeka ukukujaha befuna izindaba. Abathengi abakhathazekile bashayela ihhovisi lokuthengisa. Ihhovisi lokuthengisa lishayela isayithi, futhi umphathi wakho wesayithi ulahlekelwa yihora ngosuku.

Isigqi esisebenza kuma-estate amaningi:

Isibuyekezo senyanga ngeyuniti, nesigaba esifinyelelwe, isigaba esilandelayo, kanye nezithombe zesayithi ezintathu noma ezine ezinezinsuku.
Izaziso zezigaba ezindaweni ezibalulekile: izisekelo, i-wall plate, uphahla, ukuqedwa okusebenzayo. Ezivumelwaneni ze-plot-and-plan, ziqondanise nokuhlola kwebhange kokukhishwa kwemali.
Izaziso zokubambezeleka ezithunyelwa kusenesikhathi, nesizathu nosuku olusha.
Indlela eyodwa kuphela, engaseshwa kamuva yithimba lakho.

Izithombe nezinsuku kufanele zivele erekhodini lomsebenzi lethimba lakho, ngokuvamile idayari yesayithi yokwakha. I-Wakha, isibonelo, ibonisa umthengi ngamunye inqubekelaphambili enezinsuku evela kudayari yayo yesayithi kusango lomthengi. Umthengi ubona irekhodi lika-foreman uqobo.

Yabelana ngenqubekelaphambili, hhayi ngezinkinga ithimba lakho elisazixazulula. I-lintel eqhekekile elungiswe ngesonto elifanayo akudingeki ifinyelele kumthengi. Inkinga yesakhiwo ebambezela iyuniti yakhe iyadingeka, kanye nohlelo.

Amadokhumenti Okwabelana Ngawo Nabathengi, Nokuthi Nini

Abathengi bathemba umakhi onikeza amadokhumenti ngaphambi kokuthi abuzwe. Engeza ngalinye esangweni uma selilungile. Iphakethe lokunikezelwa libe selakhiwe kakhulu ngaphambi kosuku lokunikezelwa.

Idokhumenti	Nini ukwabelana	Amanothi
Isivumelwano sokuthengisa esisayiniwe nezengezo	Ekusayineni	Faka isengezo sokukhetha nezinsuku zokuvala
I-spec ejwayelekile nemenyu yezinketho	Ekusayineni	Inosuku lwenguqulo, nesikhathi sokusebenza kwentengo
Ishidi lokuqinisekisa ukukhetha	Ngemuva kosuku ngalunye lokuvala	Lisayinwe ngumthengi, nezintengo
Amapulani okwakha agunyaziwe	Ngemuva kwemvume kamasipala	Faka noma yikuphi ukuchitshiyelwa kwezinguquko zokuklama
Isitifiketi sokubhaliswa kwe-NHBRC	Ngaphambi kokuqala kokwakha	I-Housing Consumers Protection Measures Act idinga ukubhaliswa okungenani izinsuku ezingu-15 ngaphambi kokuthi umsebenzi uqale. Bona umhlahlandlela wethu wezigaba zokuhlola ze-NHBRC
I-CoC kagesi, izitifiketi zamanzi nezengilazi, i-CoC yegesi uma ifakiwe	Ngaphambi kokuhlala	Umasipala uzidinga ukuze akhiphe isitifiketi sokuhlala. I-conveyancers iphinde icele i-CoC kagesi, kanye ne-CoC yegesi uma ifakiwe, ekudlulisweni
Isitifiketi sokuhlala	Ngaphambi kokunikezelwa	Sikhishwa ngumasipala ngaphansi kwesigaba se-14 se-National Building Regulations and Building Standards Act
Uhlu lwezinkinga nokusayina	Ekuhlolweni kokunikezelwa	Sebenzisa ithempulethi yohlu lwezinkinga ehlelekile
Incwajana yomnikazi wekhaya namawaranti	Ekunikezelweni	Izinto zikagesi, uphahla, ukuvimba amanzi, kanye newaranti ye-NHBRC (iminyaka emihlanu emaphutheni amakhulu esakhiwo)

Kumaskimu e-sectional title, engeza amadokhumenti eskimu abathengi abazowacela. Lokhu kufaka ipulani ye-sectional eqoqiwe noma ebhalisiwe, ama-participation quota, izindawo zokusebenzisa okukhethekile, imithetho ye-body corporate kanye neshejuli yokuqala ye-levy.

Izicupho Eziholela Ezingxabanweni Ngesikhathi Sokuhlola Izinkinga

Iningi lezingxabano zabathengi ekunikezelweni libuyela kwesinye sezikhala eziyisithupha zenqubo. Zilungise kusenesikhathi futhi usuku lokuhlola izinkinga luba wuhlu lokuhlola nje.

Ukukhetha okwephuzile okungenamiphumela. Sho okwenzekayo ngokuzenzakalelayo futhi ukusebenzise.
Ukuthuthukiswa okungafakwanga ku-invoyisi. Ithimba lakho lesayithi lidinga umthetho owodwa: asikho isilinganiso sentengo esisayiniwe, awukho umsebenzi.
Izithembiso zokuthengisa ezingaphandle kwe-spec. I-ejenti ithi “impela ungathola isitofu segesi”. Qeqesha abasebenzi bokuthengisa ngemenyu.
Indlu yombukiso kumelene ne-spec. Abathengi bacabanga ukuthi bathola konke ukuthuthukiswa abakubonile. Phawula ukuthuthukiswa endlini yombukiso. Ukudukisa umthengi ngalokho okufakiwe kungaphinda kwephule i-Consumer Protection Act.
Ukushintshwa kwezinto okungabhalwanga. Uphawu oluhlukile lompompi ngaphandle kwemvume ebhaliwe yingxabano.
“Akukhona lokho engakukhetha.” Ngaphandle kweshidi lokukhetha elisayiniwe ngeyuniti, yizwi lakho kumelene nelabo.

Izingxabano eziqala ekunikezelweni zivame ukubuya kamuva njengezimangalo zamaphutha. Umhlahlandlela wethu wesikhathi sesibopho samaphutha eNingizimu Afrika uchaza ukuthi lokho kusebenza kanjani nesivikelo se-NHBRC.

Indlela Abakhi BaseNingizimu Afrika Abaqhuba Ngayo Ukukhetha Namuhla

Iningi labakhi bezindlu baseNingizimu Afrika liqhuba ukukhetha ngamaspredishithi, i-imeyili ne-WhatsApp. Lokho kusebenza kuze kube cishe yiyuniti yamashumi amabili. Ngemuva kwalokho, umbuzo uthi yiluphi uhlelo olugcina irekhodi elilodwa ngeyuniti ngaphandle kokwengeza umsebenzi wokuphatha.

	Isipredishithi + WhatsApp	Ifolda eyabelwanayo ngeyuniti	Isoftware ekhethekile yezindlu zokuhlala
Ukukhetha ngeyuniti nezintengo	Ngesandla, kulula ukwephuka	Kungenzeka, kudinga amagama amafayela aqinile	Kwakhelwe ngaphakathi, nezintengo nokugunyazwa kwabathengi
Umbono wenqubekelaphambili obhekene nomthengi	Cha	Isixhumanisi sefolda sokufunda kuphela	Isango lomthengi elinenqubekelaphambili enezinsuku
Izinsuku zokuvala ngeyuniti	Ngesandla	Ngesandla	Zilandelwa kanye nokukhetha
Ukuxhumana nohlelo lokwakha	Akukho	Akukho	Kuxhunyiwe uma ukuhlela kusethuluzini elifanayo
Amarekhodi e-NHBRC nezitifiketi ngeyuniti	Ngesandla	Afakwe ngesandla	Kulandelwa ngeyuniti
Isebenza ngaphandle kwe-inthanethi ngesikhathi sokucishwa kukagesi	Kancane	Kuncike ekuvumelaniseni	Imodi yokusebenza ngaphandle kwe-inthanethi
Izindleko zokuqhuba	Imali encane, isikhathi esiningi sokuphatha	Imali encane, isikhathi esiphakathi sokuphatha	Okubhaliselwe, isikhathi esincane sokuphatha

Ifolda eyabelwanayo ngeyuniti iyisinyathelo sokuqala esifanele komakhi omncane. Iphoqa irekhodi elilodwa ngeyuniti futhi ayibizi lutho. Uma uhlola isoftware, cela idemo ebukhoma ngezinhlobo zakho zamayuniti. Hlola ukukhetha nezibuyekezo zomthengi, kubekwe intengo nge-ZAR, ngaphambi kokuthi usayine.

Isiphetho

Inqubo yokukhetha iyithuluzi lenzuzo ngaphambi kokuba ibe yithuluzi lokunakekela amakhasimende. Lungisa imenyu nezintengo. Xhumanisa wonke usuku lokuvala nohlelo. Qhuba lonke ushintsho lomthengi ngesilinganiso sentengo esisayiniwe. Yabelana ngenqubekelaphambili namadokhumenti ngesigqi esimisiwe, ngendlela eyodwa. Ukunikezelwa kuba wukuhlola lokho okwavunyelwana ngakho. Isango lakho lomthengi lingaqala lilula bese likhula. Isiyalo kufanele sibe khona kusukela eyunithini yokuqala oyithengisayo.

Imibuzo Evame Ukubuzwa

Liyini isango lomthengi lomakhi wezindlu?

Isango lomthengi yindawo eyodwa lapho umthengi ngamunye ebona khona ukukhetha kweyuniti yakhe, izinsuku zokuvala, izibuyekezo zenqubekelaphambili namadokhumenti. Lisebenza kahle kakhulu uma umthengi ebona irekhodi elifanayo ithimba lakho elisebenza ngalo.

Abathengi kufanele bakhethe nini izinto zokuqedela?

Ukukhetha ngakunye kufanele kube nosuku lokuvala oluxhunywe nohlelo lokwakha. Izinguquko zokuklama zifika ngaphambi kokuhanjiswa kwepulani, amaplaki kagesi ngaphambi kwe-wall plate, amakhishi ngaphambi kokuqedwa kophahla, namathayela ngaphambi kwe-screed. Faka izinsuku esivumelwaneni sokuthengisa noma esengezweni sokukhetha.

Abakhi bezindlu kufanele bakhokhise kanjani ukuthuthukiswa kwabathengi?

Sebenzisa imenyu emisiwe enentengo nge-ZAR, kufakwe i-VAT nenkokhelo yokuphatha. Thola isilinganiso sentengo esisayiniwe kulo lonke ushintsho. Ukuthuthukiswa kwemali ekhokhwa ngokushesha ngokuvamile kukhokhwa kusengaphambili, ngoba ibhondi yomthengi igunyazwe ngenani elimisiwe. Ushintsho entengweni yokuthenga kufanele lubhalwe esengezweni esibhaliwe esisayinwe yizinhlangothi zombili, esihlolwe yi-conveyancer yakho.

Imaphi amadokhumenti umthengi okufanele awathole ngaphambi kokunikezelwa?

Okungenani: isivumelwano esisayiniwe nezengezo, ukuqinisekiswa kokukhetha, amapulani agunyaziwe, isitifiketi sokubhaliswa kwe-NHBRC, izitifiketi zikagesi nezamanzi, isitifiketi sokuhlala, uhlu lwezinkinga kanye nencwajana yomnikazi wekhaya. Abathengi be-sectional title baphinde badinge amadokhumenti eskimu.

Imibhalo Ehlobene: