Ukuba unaso isiqinisekiso isipho kuba indlu, irhafu ihlawulwa kuzo zonke iimeko!

Mthetho ingqalelo bokuqonda ukuba iimeko ezahlukeneyo transfer kwepropati engashukumiyo. Ngako oko, iirhafu ezihlawulwa kwakhona ukuba uhlobo lwesivumelwano. Ukuba zikhutshwa ngoku isiqinisekiso isipho kuba indlu, irhafu iya kuhlawuliswa kuwe ukuba ukunika indawo yokuhlala. Izinga werhafu yi-13% enkxaso-mali iyonke.

Ukuba ugqiba ekubeni ukunikela igumbi kwisizalwane esisondeleyo, okt indoda, umfazi, nabantwana, abazukulwana, abazalwana noodade, yaye umakhulu okanye utatomkhulu, akukho mfuneko yokuba ahlawule irhafu kuya kuba wena iziko donee. ugcine nje engqondweni ukuba kule meko lusisiqinisekiso indlu, ukusuka apho irhafu singabalelwa, kufuneka kungqinwe uxwebhu esiqinisekisa ubudlelwane igazi phakathi kwamaqela.

Ukuba ugqiba ukuthengisa indlu, kufuneka uhlawule irhafu kaNondyebo kaRhulumente, kuba ukutshintshwa ilungelo wokwakha eyinkunzi oluqhutywa ngokusebenzisa kwintengiso kubandakanya ingeniso.

Xa uphakathi abanini kule ndlu iminyaka engaphezu kwama-3, ngaphandle kokuba ingeniso evela irhafu yokuthengisa le ndlu aniyi ukuba ahlawule. Ukongeza, ukuba athengisa indlu, iindleko apho ayidluli engange million omnye, nani akuyomfuneko ukuba ahlawule intlawulo yerhafu.

Cinga ngemeko apho bobabini wathengisa sasihlala kwaye kwangoko wathengisa owesibini. Ukuba ubunyani transfer eyaziwayo, izinga lerhafu-13% ethatyathwa umahluko phakathi kwexabiso zokuhlala bathengisa ethenga. Umzekelo, uthengisa indlu, ixabiso apho kucacisiwe kwisivumelwano yentengiso kwaye ixabisa ngaphezu kwesigidi. Kwangaxeshanye, wena ufumane indawo yokuhlala, obiza ngaphantsi kwe kwesigidi. Kulo mzekelo, 13% ihlawulwe yi isixa-mali esilingana ixabiso ekuthengwe ngayo, thabatha engange kwesigidi.

Ngokufanayo, imali yerhafu ebalwe kwi intengiso yezindlu egadini kunye namagumbi endlini zoluntu.

Xa isiqinisekiso isipho ikhutshwa irhafu flat zizalamane akayi kuhlawuliswa, kodwa ekuthengisweni kwamaqhina entsapho zithathelwa ingqalelo.

Ukuba ugqiba ekubeni ufumane ubunini eflethini, akunyanzelekanga ukuba ukhathazeke malunga kokuhlawula irhafu, njengoko irhafu yengeniso xa uthenga indlu yakho ayikahlawulwa ngumthengi.

Kodwa unako ukubuyela inxalenye ezichithwa nokufunyanwa kwemali propati. Okokuqala, khumbula ukuba into ephambili, onke amaxwebhu isihloko kunye pravopodtverzhdayuschie, ingakumbi xa bethenga indawo yokuhlala kwigumbi kwisakhiwo esitsha phezu malunga nokuthatha inxaxheba ekwakheni njengoko dolevika kufuneka ezandleni zenu. Yenza ukuxhuzulwa irhafu ungakwazi kuphela xa uluphumelele amalungelo zobhaliso ziya kufumana isatifikethi sobhaliso karhulumente kule ndlu.

Ilungelo labemi ukutsalwa kwerhafu inikelwa kanye ebomini. Emva kokuba ubhaliso onke amaxwebhu ayimfuneko kugunyaziwe irhafu emva komzuzwana ungacwangcisa sixa siya kufakwa kwi yebanki kwi-akhawunti yebhanki.

Nangona kunjalo, kubalulekile ukuqaphela ukuba ngelo xesha uyakwazi ukubuyela isethi-13% yendleko lokuthenga engange nje abangaphezu kwezigidi ezibini (iindleko lwezindlu wathenga ungaphezulu koku mali).

Sokubhalisa ukutsalwa kufuneka banike ubungqina bobunini, kuxwebhu sisiseko ubhaliso amalungelo, kwakunye sisenzo ukugqithiselwa kweempahla ukusuka umthengi kumthengi. Ukongeza, ukusuka umqeshi uza kuyalelwa ukuba reference 2-NGOBUCHULE, engqina kwintlawulo yerhafu yengeniso ngumqeshi.

Kuzo zonke iimeko, ukudluliselwa isihloko Akukhathaliseki nokuba loo nto ukuthenga nokuthengisa iya kuba isiqinisekiso isipho kuba yokuhlala, kufuneka uhlawule irhafu ngexesha elifanelekileyo, njengoko non-yentlawulo yesixa amiselwe ngokomthetho idluliselwe kwi kaNondyebo kaRhulumente, lugcwele izohlwayo. Bonke kufuneka sikhumbule ukuba ngokungazi umthetho ngentla apha akumkhululi nathi uxanduva!