I-capital maternity yokwakhiwa kwendlu eyedwa

Imali yokubeletha yindlela yokusekela imindeni enezingane. Lolu hlelo lwaqala ngo-2007 futhi lwaluhlelwe ekuqaleni ukuthi lube luphele kuze kube ngu-2016, kodwa lwasulwa kuze kufike ngo-2018. Ukusizwa kunikezwa kulabo ababeletha noma abemukele umntwana wesibili noma olandelayo. Ukwamukela imali yokubeletha, umndeni kufanele uhambisane nemibandela eminingi, ungasetshenziswa kuphela ngezinhloso ezithile. Okubaluleke kakhulu kulawa ukuthuthukisa izimo zezindlu, ukwakhiwa kufakiwe lapha. Abantu abaningi banemibuzo eminingi kule ndaba. Ngakho-ke, kuzuzisa ukuthola ukuthi kungenzeka kanjani ukuchitha imali yokubeletha ekwakhiweni kwendlu, kuhlanganise namandla. Kufanele ucabangele ezinye ze-nuances ezizosiza ukuqonda inkinga. Phela, kungenzeka ukuthi usebenzise lolu sizo kuphela emsebenzini nokubandakanyeka kwabakontoni, kodwa lokhu kwandisa kakhulu izindleko. Kwabaningi, ukwenza konke ngezandla zakho siqu kuyindlela enhle kakhulu yokuphuma.

Izidingo eziyisisekelo

Ukuze usebenzise izimali zokubeletha ukwakha indlu, udinga ukuba nomhlaba. Usizo lokuthenga kwalo alukwazi ukusetshenziswa. Ukusebenzisa isitifiketi sokwakhiwa kuzovunyelwa, uma emva kokuphothulwa kwemibandela yomsebenzi ngempela kuyathuthuka (inani lamamitha square ngomuntu lizoba ngaphezulu).

Faka isicelo kwisiKhwama sePensheni kufanele kube lapho ingane ifika eminyakeni emithathu. Kusengaphambili kuyadingeka ukuba unakekele imibhalo namakhophi abo:

• idokhumenti emhlabeni (inkontileka yokudayiswa, ukuqashisa, isipho, isitifiketi sobunikazi);
• imvume yokwakha;
• isicelo kanye nepasipoti yomuntu osibhala;
• isiqinisekiso esibhaliwe sokuthi indlu izophinde ibhaliswe njengempahla yomndeni ejwayelekile.

Kungakapheli inyanga, kuzothathwa isinqumo sokuvumela ukwakha noma ukwenqaba. Esikhathini sokuqala, ungalinda 50% yemali ku-akhawunti. Ingxenye yesibili ikhokhwa ngesigamu sonyaka, uma kuqinisekiswa ukuthi umsebenzi usuvele usuqalile. Ukuze uthole lezi zimali, isiKhwama sePensheni sidinga ukuthi sekukhona isisekelo nezindonga, ngezinye izikhathi uphahla.

Amanye ama-nuances

Abaningi bakhathazekile ngokuthi bangasebenzisa kanjani imali yokubeletha ukwakha indlu, uma ingane ingakafiki eminyakeni yobudala, futhi kunesidingo sokuthuthukisa izimo zezindlu. Ungasebenza ngezimali zakho, ugcine amaphepha eqinisekisa izinkokhelo. Khona-ke kufanelekile ukufaka isicelo sokuthola isinxephezelo.

Futhi kubalulekile ukukhumbula ukuthi lelo thuba, njengokusebenzisa imali yokubeletha ekwakheni i-dacha, ayinikeziwe.