ZeZindlu zeZindlu ezinokuhlawuleka

Ingxaki yokubolekisa ingxaki enkulu eRashiya. Kunzima kakhulu kwisitya esitsha sentlalo, intsapho encinane, engakaze ikwazi ukuqokelela imali efunekayo ukuthenga indlu yabo. Xa kungenanga ukufumana ilifa elixabisekileyo okanye ukuphumelela i-lotto, kukho enye indlela - inzuzo enkulu yokuthenga imali. Kuqhelekileyo ukwazi ukuba umboleko wemali kubangelwa ukuhlawulwa ngokugqithisileyo kunye neemeko ezinzima, eziya ngaphaya kwamathuba omtshato oselula. Nangona kunjalo, ngethamsanqa, ngoku kukho inkqubo yombuso ebonelwe kwiminyaka emihlanu ezayo. Ingundoqo yale nkqubo kwiimeko zokufumana izaphulelo xa kuthengwa indlu. Oku akuthethi ukuba indawo yokuhlala isinikwa njengesipho, uthetha malunga neemfuno zokuthenga iimpahla. Ukuba ngaba isibini asinabantwana okwamanje, banikezelwa inzuzo karhulumente ye-35% yexabiso elipheleleyo lezindlu. Ukuba kukho abantwana, inani leenzuzo liyanda ukuya kuma-40 ekhulwini. Kubalulekile ukuqonda ngokucacileyo ukuba inkqubo yentsapho encinci ijoliswe kwii-value-value-apartments, ngoko akunakwenzeka ukuba kuthenge indlu ebiza ngezimali zelizwe. Ukongezelela, inkxaso-mali nayiphi imeko iya kuxhomekeka kwinkqubo yokuthenga. Ngokomzekelo, ama-40% afunyenwe kwiprogram, unokufumana ithuba lokwenza iipesenti ezi-10-15 kuphela zeendleko zokufumana izindlu. Oku kuthetha ukuba, nangona i-40 pesenti yinto engacacanga kakhulu, inxulumene nenani elithile lokunciphisa uncedo.
Ukuxhaswa kwintsapho encinci kunceda kakhulu isisombululo seengxaki zezindlu. Kufuneka kuqondwe ukuba ukuba zonke iingxelo ziqokelelwa kwaye zidluliselwe kumagunya afanelekileyo, kuya kufuneka ukuba ulinde ixesha elithile xa uluhlu luvunyiwe, kwaye inani elithile liza kubelwa ukusuka kwiphondo ukuya kwibini elithile. Xa imali ifika, le sibini inikwe uxwebhu ngenani elithile, elihambelana nomthetho okhoyo. Emva koko imali edluliselweyo idluliselwa kwi-akhawunti yebhanki yomntu onesiqinisekiso. Imali efunyenweyo ingasetyenziselwa: ukuhlawula isitolimende sokuqala phantsi kwenkqubo yokubolekwa kwemali, kunye nokuhlawula amatyala, okanye ukwakha indlu. Inkxaso ingasetyenziselwa kuphela ukuxazulula ingxaki yezindlu, nangona kukho iindlela ezahlukeneyo, enenzuzo ngokwenene kulabo abaceba ukuhlala kwizakhiwo ezininzi kunye neendawo ezisetyenziselwa ukuhlaliswa kwezindlu zangasese.
Inkqubo yintsapho yezindlu ezinokuthengwa, ezinjengezo zonke izicwangciso zemali, eziyimfuno zayo, ezingahambelani nento, ukubandakanyeka kuyo ayiyi kusebenza. Imeko ephambili kukufumaneka komsebenzi kunye nomvuzo ohambelana nawo, oya kukwazi ukucima imali mboleko. Ngokuqinisekileyo, ukuba imali, ngaphandle kweemali-mboleki, ayanele ngokwanelungelo lokufihla iimfuno zentsapho ngokulula, kuya kuba nzima ukufumana imali. Imfuno yesibini ephawulekayo kukuba kukho ubudala beminyaka ethile. Umthetho uchaza umda wexesha leminyaka engamashumi amathathu. Oku kuthetha ukuba ukuba isibini sineminyaka engama-30 ubudala, inkxaso-mali yokuboleka imali ayisebenzi kubo. Ukongezelela, ukuze kuzuze isiseko, kwendima ekungabikho kwendawo yokuhlala. Izenzo zomthetho zibeka ubuncinci obuncinane, apho umntu ngamnye anikwe indawo ethile. Ukuba le nombolo ingaphantsi kweeparitha ezithile, intsapho inelungelo lokubizwa ngokuba yimfuneko yokuphucula imeko yokuphila.