Inhlokodolobha nokubeletha ukuze zithuthukise izimo zokuphila: bachithe ngokuhlakanipha

inhlokodolobha nokubeletha njengoba isilinganiso usizo imindeni sisebenza kusukela ngo-2007, kodwa hhayi wonke umuntu uyazi ukuthi ukuze zilahlwe ngendlela efanele nabo benzuzo umkhaya. Ngakho, liyini lolu sizo, nababeka dolobha kamama?

Imikhaya eminingi ukuthi yini inhloso kungenzeka ukuba ingenzele inhlokodolobha womama: ukuze zithuthukise izimo zokuphila, a zempentsheni omama noma imfundo yezingane. ukwesekwa State yalolu hlobo lunikezwe abazali emva ukubukeka ingane yesibili. Lokhu kusho ukuthi ilungelo lolu hlobo usizo bezalwa abazali bamukela izingane, kuncike kule mibandela eziyisisekelo. Okubalulekile: Umthetho sisebenza kuphela kulabo imindeni lapho unina bancishwa amalungelo sabazali, kungenjalo balahlekelwa ifomu yabo ngaphansi ukucatshangelwa kuxhaswa kuhulumeni.

Zingaki izikhathi ungakwazi ukuthola womama dolobha? Ingabe sinelungelo ukuyisebenzisa, uma kwakunomfana ogamalakhe yesithathu emkhayeni, futhi esikhathini lapho inhloko-dolobha womama kakade ekhishiwe? Yebo, kodwa kuphela uma ungazange wathola inhlokodolobha nomndeni kwi ingane odlule. Lolu hlobo losizo emindenini nezingane kanye kuphela. Lokhu kusho nengane eyodwa kuphela. Ngesikhathi esifanayo, ungachitha ku bazifundise ingane ngayinye noma ukuze kuzuze wonke umndeni, nangabe titfunyelwe inhlokodolobha womama ukuze zithuthukise izimo zokuphila.

Lapho umzali ikhishwa dolobha? A isitifiketi esikhishwe yi-Pension Fund, okuyinto udinga ukuqoqa ubuncane imibhalo. By the way, uya igunya, ukwenza amakhophi wonke amadokhumenti wakho ekhona kanye nabo. Lokhu kuyokwenza ugcine ngokungadingekile futhi emigqeni ukuvakashelwa. Uma ungenalo bahlala endaweni yokuhlala unomphela, uzobe emnyangweni PF umndeni izindawo zokuhlala eziqinile. Ngemva yokubhaliswa isitifiketi, ungabhala isitatimende anawo kubo, Nokho, ezimweni eziningi, kuzodingeka silinde ingane ize ifinyelele eminyakeni emithathu zaziswe. Ukwehluka: loan ukuthenga izindlu, noma nini into lenziwe, futhi abanokuhlangenwe kungenzeka umzali kwaba umboleki. Kulesi simo, isitifiketi abazali kulahlwa azigcini eminyakeni yobudala yomntwana.

Ake kwethu ongahlala ngalezo zikhathi lapho umndeni uqondisa dolobha komama ukuthuthukisa izimo zokuphila. Uma ubhekene bemangele nje a mortgage loan, njengesimo sokunquma ukhiye kufanele kube ukuthi ibhange ukulungele ukuthatha isitifiketi sakho njengoba iphuma okokuqala futhi ukuthi kukhona imigoqo kangakanani nokulingana iwukuba kube ukwenza umboleki. Lesi esinye sezizathu esenza it is hhayi Kunconywa ukuchitha inhlokodolobha umndeni ezingxenyeni ku imigomo lehlukile. Ingxenye elandelayo yaleli yasebhange kungase kubonakale enganele ukwenza kube ku-akhawunti ye-lokuqala eyaphuma ngalo.

ingasetshenziswa Isitifiketi, futhi ngemva kokucubungula loan, kanye ukukhokhela ngaphambili kuthathwe ngemali yokwakha. Kulesi ebhange uma enqaba ukwamukela isitifiketi njengoba lokukhokha cishe ingekho. Nokho, Pension Fund kuzodinga kwasayinwa izibophezele ukuthi isabelo efulethini etholwe wonke amalungu omndeni, futhi kusho - nezingane.

Uma ishoda ngenani lokuthenga ifaniswe ubukhulu kubhekwe wombuso aid, futhi wena nomthengisi efulethini abakwazi ukulinda izinyanga 2, kuze izimali ngeke adluliselwe Pension Fund nomthengisi, ungazama ukuthola loan umthengi. Kodwa ngokuvamile oholela kangcono kangakanani ukuxhumana enhlanganweni elikhiphe isikweleti sendlu, futhi ujabulele abasebenza ngezitifiketi umzali, kodwa kuye kwaba inkulumo mayelana nokukhawulela inani izinkampani ogunyazwe ukuba afeze ukuthengiselana okunjalo. Lokhu kungenziwa ukuqeda kungenzeka kabusha ezindlini abazali abangathembekile.

Ngaphambili, saxoxa ngendlela inhlokodolobha womama ukuze zithuthukise izimo zokuphila, e isibonelo ukuthenga indawo ingasetshenziswa. Nokho, kukho kungaba okuningi. Lokhu ukulingana iqhaza wokwakha nokwakhiwa kwendlu entsha, ngisho nokwakha kabusha (hhayi ukulungisa) asendulo. Yiqiniso, imibuzo eyabuzwa labo abanquma ukusizakala lolu hlobo isimo. ukwesekwa, akuzona elinganiselwe. Thola izimpendulo zayo yonke imibuzo unga kumthethonkombiso kwi-website ye Pension Fund amagatsha awo.