Ungalawula isitifiketi somndeni kuphela uma iziphathimandla zivuma ukuthengiswa okuzayo yiziphathimandla zeSikhwama sePensheni. Kulesi sihloko, sizozama ukuqonda ukuthi ungayisebenzisa kanjani imali yakho yokubeletha ekwakhiweni kwendlu yokuhlala, futhi yimaphi amadokhumenti azodingeka kulokhu.
Indlela yokusebenzisa imali yokubeletha ukwakha indlu?
Kunezinketho eziningana zokusebenzisa le ntlawulo yenhlalakahle, okuzovumela ukwakhiwa kwesakhiwo sokuhlala kuwo wonke umndeni ezweni, okungukuthi:
- ukuthola imali yokuzakhela indlu;
- ukuqondiswa kwesamba somthamo womzali ngokugcwele noma ngokuyingxenye ku-akhawunti yontonkontileka ozokwenza ukwakhiwa kwesakhiwo;
- isinxephezelo sezindleko zokwakhiwa kwendlu yokuhlala, eyenziwe ekuqaleni;
- ukukhokhwa kwemali ebolekwe imali yokubeletha futhi okuhlose ukwakha indlu.
Ngayinye yalezi zindlela zokusebenzisa le nkokhelo inezinkolelo zayo futhi idinga ukunikezwa kwenani lamaphepha athile.
Ukwakha indlu ngezindleko zemali yokubeletha
Ukutshala izimali zokubeletha ekwakhiweni kwendlu yokuhlala, kokubili ngemizamo yakho kanye nosizo lwabaphathi, uzokwazi kuphela uma ingane yakho, ngesikhathi sokubonakala kwakho emndenini owunikezwa isitifiketi, iyofinyelela eminyakeni eyizinyanga ezingu-36. Ngemuva kwalokho unelungelo lokuya esikhwameni sePensheni ngesicelo sokukhokhwa ukwakhiwa futhi uthumele ngokungeziwe amadokhumenti alandelayo:
- imibhalo ekuzalweni kanye nasezakhamuzi zawo wonke amalungu omndeni;
- isihloko somthetho esakhiweni somhlaba sokwakhiwa;
- imvume yokwakhiwa kule ndawo;
- isibopho somnikazi wesikhathi esizayo ukunikeza isabelo endlini eyakhelwe bonke abantwana abancane nabashade naye, abaqinisekisiwe ku-notary.
Ngaphezu kwalokho, uma uhlela ukwakha indlu ngokwakho futhi ufuna ukuthola imali yokwakhiwa, kuzodingeka ucacise imininingwane ye-akhawunti yokudlulisela imali. Lapho uthola inkontileka, uzodinga ukuhambisa inkontileka phakathi kwakho nenhlangano yokwakha, okuzokhombisa idatha ephelele yokudlulisela inani elidingekayo.
Uma wonke amadokhumenti ehlelekile futhi ukuthengiswa okuzayo okuvunyelwe yiziphathimandla zeSikhwama sePensheni, izimali zizodluliselwa ku-akhawunti yakho ngabanye kungakapheli izinyanga ezimbili zekhalenda. Kumele uqaphele ukuthi ngaleso sikhathi awukwazi ukuthola okungaphezulu kwe-50% yesamba sesitifiketi somndeni.
Ingxenye esele ye-akhawunti yakho izodluliselwa kuphela ezinyangeni eziyisithupha emva kokuqala, ngaphandle kokuthi isigaba esikhulu sokwakha sigcwaliswe. Ukuqinisekisa iqiniso lokwenza imisebenzi edingekayo, kuzodingeka ukwengeze ukuhambisa isenzo sokuhlolwa kwesakhiwo sokuhlala. Uma kunjalo, bacela usizo kumakontrakta futhi bahambisa yonke imibhalo edingekayo, yonke imali ingasetshenziswa ngesikhathi.
Indlela yokufaka isicelo semali mboleko yokwakha indlu yezimali zokubeletha?
Thola i-mortgage noma enye inkokhelo yokwakhiwa kwendlu ngokubandakanyeka kwenhloko yomzali ongayenza, ngaphandle kokulinda usuku lwesithathu lokuzalwa kwengane yakho. Uma ufuna ukulahla lesi silinganiso sokusekelwa kwezenhlalakahle ngale ndlela, kufanele uxhumane nesikhungo sezezimali bese uphetha isivumelwano sesiboleko kanye nalo, esibonisa inhloso yomboleko.
Ngaphezu kwalokho, usebenzisa le ntlawulo yenhlalakahle, unelungelo lokukhokha imali ebolekwe ngaphambilini, uma inhloso yokuboleka kwakhiwe ukwakha indlu yokuhlala. Ukwenza lokhu, nawe akudingeki ulinde ukubulawa komntwana oneminyaka emithathu.