Indlela ukudayisa ifulethi bebodwa? Intela i-efulethini ithengiswe. Yamadivayisi ingcebo ngaphandle labalamuli

Kungakhathaliseki ingcebo yokuthengisa amathuba ngaphandle labalamuli? Ukuze uphendule lo mbuzo, kubalulekile ukuqonda izizathu zokuthi kungani abanikazi bezindawo turning kuye. Asebenzise izinkonzo ejensi, abantu abaningi ngephutha sikholelwe ukuthi kuthatha umthwalo egcwele ye efulethini wathenga nalo. Lokhu isizathu wenziwa kwemisebenzi yokulamula akwenzi mqondo. Ngokuhambisana nomthetho yesivumelwano yokuthengisa waphetha umthengi nomthengisi, futhi Bureau of impahla - umlamuleli. Akukona awathathe yimuphi umthwalo futhi isibopho. It isiqiniseko sokuthi lokuvela isivumelwano sesevisi phakathi iklayenti kanye ejensi. Okuhle kakhulu, kungaba bamele izimfuno umdayisi ekuqhubeni.

Abantu abaningi basebenzisa izinsizakalo kwabalamuli, ukugwema izimo ezingalindelekile noma ukukhwabanisa. Ukwazi kanjani ukuthengisa ifulethi bebodwa, okungukuthi izinsongo kanye ubuhlakani zonke izigaba kuthengiselana, engcono kakhulu esingasebenzisa bazivikele futhi ukwenza ngaphandle kosizo ejensi.

Realtor yenzani umsebenzi onzima, ngakho okusezingeni eliphezulu izimali okhokhelwayo. Kodwa ingxenye enkulu abantu abazimisele ukwenza umzamo ukulondoloza imali, usasebenzisa amasevisi kwabalamuli. Esinye isizathu - abazi ukuthi ukuthengisa indlu ngaphandle Realtor. Ngemva kokubukeza zonke izigaba inqubo okuthenga indawo, ungenza ngokuphepha ngaphandle kucocisana.

izinyathelo Okokuqala: indlela yokwazi, ukuthengisa indlu bese uhlela wokubuka

Indlela ukudayisa ifulethi bebodwa, futhi ukuqala kuphi? Ngaphambi kuthengiselana kuyadingeka ukuba balungise izinyathelo zokuqala ezintathu ukudayiswa kwanoma iyiphi ingcebo:

1. Okokuqala, kudingeka kahle ukusetha intengo efulethini. Ukuze wenze lokhu, sihlole iziphakamiso impahla efanayo. Ngosizo amaphephandaba ukukhangisa, i-Inthanethi ukuthola izikhangiso ukudayiswa ezindlini kuleyo ndawo efanayo edolobheni ngezimiso mayelana efanayo: isimo, indawo, indawo kanye nezinye. Ungakwazi ikhale up ezimbalwa ongakhetha ezifanayo futhi ukucacisa zonke imininingwane eyengeziwe futhi ucele esingakanani efulethini esithengiswa ngayo. Ekubumbeni izindleko kufanele kucatshangelwe ukuthi umthengi abanakuhwebelana. Ngokuvamile bargaining isesikhathini 5% amanani oyifunayo.
2. Njengoba wasungula izindleko cishe welinye ifulethi, kufanele zidonse ukunaka kwanoma ezandayo abathengi ezingaba khona. Kuyadingeka ukubeka isikhangiso ukukhangisa izincwadi ethandwa, amaphephandaba yokuthopha, ukuthumele ekhasini lewebhu bese unamathisela ku-amabhodi ekhethekile ngolwazi. Ukukhangisa kufanele ibe kafushane lonke ulwazi mayelana efulethini, futhi oxhumene naye efonini. Ngakho ukuthi abathengi ezingaba ningabizi ubusuku nemini, ungacacisa isikhathi esithile ukubiza. Izikhangiso kufanele zibuyekezwe kaningi ngangokunokwenzeka.
3. Zonke nabathengisi, futhi ikakhulukazi abesifazane, abanentshisekelo ukuthi ukuthengisa indlu ngokwayo, iseluleko ewusizo kulesigaba Lesiphakeme. Ukuze uvakashele amakhasimende kufanele aphathwe ngokuqapha:

• ukuhlangana lokuqoka emini, kungcono ngosuku;
• khona ngokwalo emhlanganweni, kuyinto efiselekayo ndawonye nomuntu ajwayelekile;
• ukususa izinto eziyigugu baye imali izindawo ezivelele;
• ukukubonisa imibhalo yokuqala ukuba usebenze, amakhophi kuphela.

kokuthola idiphozi

Asikho isidingo ukusheshe ukususa izikhangiso, ngokungazelelwe indoda eshintsha umqondo wakhe, futhi umdayisi uzolahlekelwa engicabanga ukuthi angaba yikhasimende. Ngemva ekuvumelaneni ngentengo, kubalulekile ukunikeza umthengi enze kusengaphambili. Labo abenza osemzekelisweni yabo futhi ifunda ukuthi ukuthengisa indlu ngaphandle Realtor, odinga ukukwazi - ngokomthetho lesi sikhathi zingahlelwa ngezindlela ezahlukene: ukubhala isivumelwano kusengaphambili (irisidi ukuze kusengaphambili) noma ukwenza isivumelwano kwangaphambilini phezu kusengaphambili. Ukuze kube lula nokuphepha ukuthengwa nokudayiswa sivumelwano kuyadingeka ukwenza incazelo ephelele into kusengaphambili izimo ithengiswe. Khona-ke uma kwenzeka ukwehluleka kuthengiselana umthengi uzophoqeleka buyisela namanje futhi izinhlawulo.

Injani inkontileka sokuthengisa?

A igxathu elikhulu kule nqubo - kulungile ukwenza inkontileka sokuthengisa, okumele izobe isilungile ngemuva kwezinsuku 2-3 ngaphambi kwesikhathi okuhleliwe kuthengiselana. Khetha uhlobo idokhumenti: notarization noma elula ebhalwe (PPF). Zombili lezi zinhlobo zezindlu sokubhalisa namandla afanayo kwezomthetho. Nokho, labo abangababiziweyo ukufunda indlela ngokuzimela ukuthengisa efulethini mortgage, kufanele wazi ukuthi kuleli cala, ngaphansi komthetho ifomu inkontileka kufanele kuphela mayunithi ummeli olungisa izivumelwano.

Kwenta tinhlaka inkontileka PPF - ukonga ngaphezulu kanye nezindleko azungeze 50-70 zamadola. Lapho ummeli olungisa izivumelwano kwasayinwa ifomu mbhalo futhi kuthatha iphesenti ezingeziwe lemali ukudayiswa. Yiqiniso, izindleko lolu hlobo design izobiza ezibizayo kakhulu, ngakho-ke akufanele Udinga ukukhetha ngaphandle ifomu notarial yesivumelwano futhi bachitha nemadlana.

PPD-inkontileka ungadala wakho, noma ufune usizo kusuka ummeli. Kunoma ikuphi, kudingeka uhlole ngokucophelela inkontileka sokuthengisa ingcebo futhi siyihlolisise ngamunye iphuzu lakhe:

• ubani ethengisa (igama ipasipoti imininingwane);
• ikheli kanye nekuhambisana nemingcele eziyisisekelo ebekiwe inkontileka imibuzo BTI - inombolo f 11 kanye nenombolo upiyano 22a;
• nemibandela ukudayiswa, intengo amafulethi ifomu zasemizaneni mutual;
• kahle kuchazwe imibhalo inkontileka zetayitela;
• isikhathi lapho kukhululwa efulethini futhi akhiphe kuwo abantu obhalisiwe, njengoba umthetho, izinsuku ezingu-14.

Ukubhalisa yesivumelwano yokuthengisa

The elula nephephile indlela isiphetho mutual - ebhokisini idiphozi. Kungcono usivule ebhange ephephile, etholakala endaweni hlangothi. Idiphozithi ibhokisi kuzoqinisekisa ukuthi umdayisi uzothola imali ngokushesha ngemva kokubhaliswa yonke imibhalo edingekayo.

Uma imali ibekwa ebhange cell, kudingeka kudlule sokubhaliswa Federal yesevisi Ukubhaliswa State (FSGRKK) has a inkontileka sokuthengisa ingcebo ne izisayindo madokumende alandelayo:

• isihloko sombhalo indlu ithengiswe (yokuthengisa inkontileka, isitifiketi ifa, kanye nanoma yimuphi omunye ubufakazi bamalungelo yomnikazi);
• cadastral ipasipoti efulethini etholwe kusuka kuzazi BTI;
• ikhophi akhawunti yezimali (AKC) yokuqala noma sicashunwa endlini;
• inkomba yokuqala № F 22a (uyazikhethela), futhi F № 11 (njengoba kudingeka) etholwe BTI;
• amakhophi passport kuzo zonke izinhlangothi ukuze kuthengiselana;
• kwabesifazane ukutadisha indlela ukuthengisa indlu ngokwayo, kufanele wazi ukuthi kuthatha Wacela kumyeni wakhe, efulethini, futhi amadoda - kwemvume umkakhe;
• uma kunezingane, kwezinye izimo, kudingeka kwemvume sivikelwe;
• lapho efulethini ngokuhlanganyela, omakhelwane badinga kuchithwa (uma abanikazi kwamanye amakamelo) noma idolobha (uma lonke igumbi is hhayi ezizimele);
• namanye amadokhumenti ngokuzikhethela isikhulu esasiphethe sokubhalisa (lokuzalwa, ukufa, njll).

Uma umbhalisi ukwamukela idokhumenti, kusho konke isesikhathini isinemfu. Isiphathiswa uyonika irisidi ukwamukela imibhalo futhi ukuhlela isikhathi uma udinga pick up. Njengoba ojwayelekile, amadokhumenti FSGRKK wabhala isilinganiso amasonto amabili, khona-ke umthengi kanye nomdayisi wakhipha idokhumenti ababhalisiwe ukudayiswa. Zombili izinhlangothi kudingeka siyihlolisise inkontileka yokugcina ukupela kanye namaphutha. Uma konke kuhamba kahle, umdayisi, umthengi kudingeka uthole isihluthulelo ibhokisi idiphozi ukuphepha.

Kungani udinga isenzo yokudlulisa?

Ukukhululwa efulethini senzeka ngokuhambisana amalungiselelo engamiswanga inkontileka sokuthengisa. Isenzo sokudlulisa - lena incwadi ebalulekile iyawakha ngesikhathi kuthengiselana kunoma yiluphi uhlobo. It elaborates ku isimo efulethini. Ngezinye izikhathi inkontileka yokuthengisa ingena esikhundleni, kodwa kungcono ukwakha iphepha elahlukile. Ungakwazi Yiqiniso, ukuze sifinyelele futhi izivumelwano ngomlomo, kodwa ezifanele ukuze azivikele. Iphuzu elibalulekile nabathengisi abafunda kanjani ukuthengisa indlu ngaphandle Realtor: okwamanje ngemvume itayitela yokudlulisa isimo somzimba impahla oluhambisana umdayisi (uzamcolo, umlilo, ukweba), bese ekhokha imali Tinsita.

Kwezinye izimo, intela ikhokhwe?

Bonke abathengisi abanesifiso umbuzo ukuthi bakhokhe intela ukuze efulethini ithengiswe ezidingekayo. kunezinkinga ebalulekile emithethweni:

• uma umuntu ophethe indawo iminyaka 3 noma ngaphezulu, lapho bayidayise umnikazi ushwele intela ngaphansi kwendzima 17.1 Article 217 we Tax Code, kodwa namanje edingekayo ukuze uthumele null intela ukubuya;
• lapho umdayisi ephethwe izindlu eminyakeni engaphansi kwengu-3, kuba, ngokusho isigaba 1 Article 220 Tax Code, ubophekile ukuba akhokhe 13% intela inani ekubalweni isikimu lapho umnikazi ekhetha ngokubona kwayo.

amafomula ezimbili intela:

• Formula 1: inzuzo ukudayisa zokuhlala ukuze ninciphise izindleko yokufuna yayo;
• Formula 2: ku inani ukudayiswa emafulethini ukuze asuse eyodwa sesigidi sama-ruble.

Labo abathintekayo kulo mbuzo "indlela ukuthengisa ifulethi bebodwa," futhi akazi yonke imininingwane omthetho, abanye ukwaziswa okuwusizo Ukugunda:

1. Uma efulethini u aluthola ngentengo ngenhla ukudayiswa wamanje, noma kungcono ukusebenzisa ukubala ifomula lokuqala, njengoba nenani lentela izokhombisa ukuthi akanalo igciwane, ngakho-ke ukhokhe lutho. Ngokwesibonelo, umnikazi wathenga eminyakeni emibili edlule, i-indlu ruble 2 million., Futhi manje ethengisiwe ruble angu-1.8 million., Khona-ke, ama-ruble angu-1.8 million. - ruble 2 million. = Ruble ayizigidi ezingu -0,2. - ukulahlekelwa intela ingakhokhwa.
2. Lapho efulethini waya cishe ngokukhululekile (libe yifa lenu, donative), kunengqondo ukuthatha ukubala ifomula yesibili.
3. Ngokusho isigaba 1 Article 229 Tax Code ukufaka isimemezelo sentela endaweni kokubhaliswa ukuthi umdayisi kuyadingeka kunoma isiphi isimo kuya ku-30 Ephreli wonyaka olandelayo ngonyaka emva ukudayiswa. Kulinganiselwa sentela engeyona zero kumele zikhokhelwe Julayi 15.

Yamadivayisi ezindlini yi-proxy

Uma kukhona enganele inqubo isikhathi esiningi ukudayisa izindlu uvame ukudweba i amandla ommeli. Ngokwesibonelo, kuyoba nekhambi nenengqondo lapho abanikazi eziningana ngumnikazi endaweni eyodwa. Amakamelo okulala awabange ukudayiswa Kulezo zimo Kwenziwa kanje: bonke abanikazi ingenzele ku umuntu ngaphansi matasa zonke izindaba ezihlobene kuthengiselana. Kungakhathaliseki izizathu ekubhaleni amandla ommeli has iphuzu elibaluleke kakhulu: ukugwema izinkinga nakhaya, kubalulekile ukuchaza ngokucacile amandla trustee.

sina kakhulu bese ugcine kuyiwe Jikelele Amandla Ommeli. Lwenza trustee ukwenza noma yimuphi izinhlobo amadili nge impahla kanye asisuse uma bebona kunesidingo, isibonelo, ukudayisa futhi uthole ngokwakho imali. amandla Jikelele ommeli ekhishwa wokulungisa izivumelwano kuphela ngemva kokuthi ukuqinisekisa ngokucophelela uthishanhloko ngoba yindlela uyazi injongo ukusayinwa esibaluleke kangaka idokhumenti hlobo.

Kukhona izikhathi lapho ikhasimende ufuna uvikelekile futhi kudinga angene inkontileka ukuqinisekisa umninindlu idili of ukudayiswa amaphuzu. Khona-ke ukuthengisa indlu yi-proxy kungenzeka kuphela ngemuva isitatimende kukathishanhloko, eyabhalwa wokulungisa izivumelwano, phezu ubuqiniso ukuthenga.

Lapho isidingo ukusebenzisa umphathiswa ayisekho zamanje, amandla ommeli kungenziwa Ubuyise ngisho ngaphambi kosuku lokuphelelwa kwayo. Idatha kwi lokuhoxisa ezilotshwe base ulwazi Chamber of notaries idatha.

Flat ukudayiswa lapho umntwana izimpilo

Cishe yonke imikhaya enezingane. Ngakho-ke, abazali-nabathengisi umbuzo efanele kakhulu: "Futhi kulokhu, ? Kanjani ukuthengisa indlu" Nge ingane ukuba esinamandla, futhi noma kunjalo asisho ukuthi kuphula izinzuzo zalo, noma ukuthengiswa kwempahla kuyinkinga. Basuke ubukele sivikelwe. Inqubo kuthengiselana of sale zezinhlobo ezimbili: ingane kubhaliswe ku indlu noma umnikazi we-isabelo impahla.

Ngaphansi kwemibandela Art. 26, 28-Civil Code engamahlongandlebe nezingane ezincane kuphela ngenkululeko abamele zomthetho nethuba lokwenza uhla ngokuqinile elicacisiwe ukuthengiselana, kuhlanganise nalezo lapho impahla ehilelekile. Thengisa indlu lapho encane obhalisiwe, kodwa akuyona umnikazi, kungenzeka ngaphandle kokugunyazwa emizimbeni sivikelwe. Okukhishiwe izingane bancishwa ukunakekela kwabazali noma ngaphansi sivikelwe. Kulesi simo, imvume eyisipesheli edingekayo umnakekeli nezinsizakalo. Kunoma ikuphi, ngaphambi kokudayiswa ifulethi udinga ukuthola indawo entsha yokuhlala ngomntwana, ngoba izingane osenyameni at yakithi efanayo ngesikhathi esisodwa, kumele ubhalise kwenye. Nale izindlu ezintsha kumele efanayo noma indawo enkulu futhi nezimo zokuphila efanayo. Uma amalungelo ezincane azizange i- lutho, azikho izinkinga nokuthengiswa zokuhlala ngeke.

Uma ingane - umnikazi we efulethini ke kwemvume ezifanele iziphathimandla sivikelwe futhi esitokisini kuyadingeka. Lokhu kufanele banakekele kusengaphambili, ngaphambi ukuthengiswa kwempahla. Kufanele uxhumane izinhlangano sivikelwe endaweni kokubhaliswa eyingane futhi ukuthola ukuthi it is ukuthengisa ifulethi, kuncike izici esimweni esithile kungenzeka. Uma okwenziwayo olunikezwa kuya ngomthetho, khona udinga ukuthola baba nasiphi isimo isikhathi uzolunga ekugunyazweni ukumaketha, futhi ukuqoqa izitifiketi ezidingekayo. Khona-ke, uma wenza ukuthengwa nokudayiswa dokhumenti, umdayisi ngaphandle ingane (uma engaphansi kuka-14) noma naye (lapho eseneminyaka engaphezu kwengu-14 ubudala) kuziwa izidumbu ye-Trusteeship futhi sivikelwe ukugcwalisa bese ungena isicelo. Umlondolozi yesibili (umlingani, ngisho noma umbhangqwana uhlukana) Kufanele futhi sibe khona ukunikeza imvume. Khona-ke, ngosuku esimisiwe, ungathola isixazululo ngomumo.

Emacaleni angakajayeleki:

• Uma uhlela ukushintsha indawo yokuhlala ngokuqondene ukuthuthela kwenye indawo, bese kuthengiselana kungenzeka kuphela imvume yenhlangano umnakekeli, kanye nenani athola for efulethini is adluliselwe ku-akhawunti yasebhange ingane. Abazali banikezwa izinyanga 3 kusukela ngosuku ukudayiswa ukuthengwa izindlu ezintsha nasekubulaleni isabelo efanayo impahla ingane. Kungenjalo iziphathimandla sivikelwe ilungelo lokukhansela isivumelwano sokuthenga.
• Uma ukuthuthela yokuhlala unomphela phesheya bazithobe hlu Guardina lenhlangano kwemibhalo ethile kusuka OVIR.
• Uma ukwakha ikhaya elisha, bese ukuthola imvume sivikelwe, kufanele kube wokwenziwa kweengaba zokugcina ukwakhiwa. Minor kudingeka okwesikhashana endaweni ukubhalisa (abangane, izihlobo). Lapho befaka isicelo imvume izinhlangano sivikelwe alethwe inkontileka nenkampani ukuthuthukiswa, okutshengisa isabelo ingane.

Izinketho ukudayiswa amafulethi ezizimele

The elula inketho ukudayiswa kwezindlu ezizimele - ukuwudayisa yaphelela komunye umthengi, futhi inzuzo sihlukene phakathi ngokusho inani ngalinye. Kungenzeka futhi ukuthi omunye wabanikazi ukuhlenga wonke amasheya ezisele nabanye abanikazi. Kulula, futhi ejwayelekile kuthengiselana isikimu. Kodwa kuvamisile ukuthi omunye wabanikazi senqabe yonke okuthengwe ngayo. Indlela ukudayisa efulethini ezizimele kulesi simo? Konke kuncike kanjani impahla ihlukaniswe.

Uma efulethini ihlukaniswe yaba izingxenye yi imitha, kuzomele uqale ukubhala isaziso kwasayinwa ukudayiswa, ecacisa usayizi emihle futhi ukubaluleka endaweni yabo ithengiswe, futhi uthumele nge incwadi erejistiwe yona lonke abanikazi. Ngokuhambisana Art. 250 we Code Civil banayo inzuzo phezu kwamanye abathengi. Uma zingakapheli izinsuku ezingu-30 nezinye abanikazi awaphendulanga ukwamukela noma ukwenqaba ukuthengwa, ukuthi yobuciko. 250 we Code Civil, ungakwazi ukusebenzisa ngokunenzuzo amalungelo abo ukudayisa esigxotsheni yayo efulethini ngokuhlanganyela kunoma yimuphi omunye umuntu.

Lapho efulethini sehlukaniswe amaphesenti ke ayidayisele abanye ngaphandle isifiso akunakwenzeka, kodwa ungathola imali ngokuzithandela noma ngenxa yezimo abhekene isabelo yayo, yana enkantolo.

Uma izindlu ezizimele eyingane has a share ke ukuthengisa indlu kungenzeka, ukuba wathola izidumbu imvume sivikelwe.

Ukuthengiswa efulethini ezinikelwe

Le ndoda, onendlu isitifiketi umnikelo, kungase bachithe impahla ngokubona kwayo. Uma umnikazi efuna ukuthengisa indlu ezinikelwe atjengisa ngazo bona gade Umnikazi ongayedwana, ukudayiswa lwenzeka isikimu jikelele ejwayelekile. Emva kokuthola imali impahla, umdayisi kufanele akhokhe intela. Indlela efanele futhi ngokunenzuzo ukukhetha ifomula intela, siye sacabangela ngenhla.

Lapho isipho is ayethola ingxenye zokuhlala, okuyinto ihlukaniswe kuphesenteji noma imitha, isikimu ukudayiswa siyafana kuchazwa ngawo kulesi sigaba "ukudayiswa olungenzeka efulethini ezizimele."

Yamadivayisi efulethini mortgage

Naphezu ezinye zezithiyo uphelezela ziphathelene impahla mortgage, ukuthengisa efulethini mortgage yangempela. Ukuze afeze lo msebenzi ngezindlela eziningana:

1. Ngaphambi kwesikhathi ukuvala loan, obuyisela ngayo imali yabo, noma uma umthengi evuma, ngenxa yentuthuko etholakele kuye.
2. Usungazidayisa efulethini ngaphandle senkokhelo ngaphambi wesikweletu izikweletu. Ukuze wenze lokhu, kumele ubhale isitatimende ebhange bese ulinda ukwamukelwa. Angase enqabe uma ukudayiswa kwenzeka ngesikhathi eside we ukujanyiswa ukuvalwa yokuqala loan. Uma ibhange uyavuma, kodwa ephikelela iqhaza ayo kule kuthengiselana, khona-ke wavula amabhokisi yasebhange ezimbili: umthengi wokuqala ibekwe inani enkokhelweni loan, kwesibili - umehluko asele. Ngemva kokukhipha encumbrance impahla yenziwa ukuthengwa nokudayiswa. Kulokhu, ngisho nokudayiswa efulethini ngaphandle Realtor kungadingeka akhokhe ibhange imali for kokuvula amaseli nokusekelwa.
3. Uma umbolekisi uyavuma nokuthengiswa ngaphandle senkokhelo ngaphambi imalimboleko kanye abavumanga iqhaza kuthengiselana, kubalulekile ukuze singene kwesikhashana ukuthengwa nokudayiswa dokhumenti. Khona-ke, ukhokhele loan lwemali umthengi, umnikazi uthola idokhumenti phezu wavulwa futhi iya Izinkampani House. Ngaphezu kwalokho, umdayisi evala ngedili ummeli olungisa izivumelwano.
4. Usungazidayisa ifulethi ngokuhlanganyela ne-credit. Umthengi kufanele bazithobe Bank zonke amaphepha adingekayo eqinisekisa solvency wawo, futhi wabhala sasesinqumile udaba version esikhundleni umboleki. Uma isinqumo esihle kabusha amalungelo endawo, ingcebo futhi mortgage, futhi umdayisi uthola umehluko phakathi ukubaluleka amafulethi ezithengisiwe esele esikweletini ngaphandle iqhaza ayemkweleta.

isiphetho

It kuvela ukuthi amafulethi ezahlukene: ezizimele, lowo umnikazi - ingane, a mortgage, isipho - lingathengiswa ngaphandle kosizo Realtor ezazi zonke izinyathelo kuthengiselana ngokubeka intengo ukuthola isizumbulu semali. Ukuba nomqondo ngezingozi butholakala enqubweni eyinkimbinkimbi yokuthela inqubo nokubeka idili eziningi umzamo nesikhathi, ungakwazi ukuthengisa efulethini yakho siqu.