Yiqiniso, umndeni ngamunye ungathanda ukuthola imali enjalo ngokwezimali, kodwa umthetho uhlinzekela ukukhishwa kwengxenye encane nje, efinyelela kuma-ruble angu-20 000. Zonke ezinye izimali zidinga ukuqondiswa ezinhlotsheni ezithile, ngokuzilahla ngokuhlala ngaphandle kwemali ngosizo lwesitifiketi esikhishwe emndenini.
Abanye abazali banemibuzo eminingi mayelana nokuthi bangasebenzisa kanjani imali yokubeletha, ikakhulukazi, ukuthi kungenzeka yini ukubuyiselwa imali. Kulesi sihloko sizokutshela ngalokhu.
Luhlobo luni lwemali mboleko engakhokhwa ngumhlomulo womzali?
Ngenxa yokuthi injongo eyinhloko yokusebenzisa izindlela zesitifiketi sokubeletha ukuthuthukisa izimo zokuphila zemindeni nezingane, zingabuyisela imali mboleko, kodwa kuphela esimweni esinikezwe abazali abasha ukuthenga noma ukwakhiwa kwanoma iyiphi indawo yokuhlala. Futhi esivumelwaneni sokubolekwa kwemali, kubalulekile ukukhombisa ukuthi umbolekisi uthola isikweletu sini, nokuthi uhlela kanjani ukuyisebenzisa.
Ngakho-ke, akunakwenzeka ukucima inhloko-mboleko yomthengi ngenhloko-dolobha kamama, noma yimuphi omunye umkweletu, futhi lokhu kuphulwa ngokweqile komthetho. Isimo lapho imali yezikweletu zabathengi esetshenziswa khona ekuthengeni indlu, igumbi noma indlu ayikho into. Kulesi simo, ulwazi mayelana nenhloso yokuboleka luyisisekelo, futhi kufanele ukuthi lulandelwe emadokhumenti akhishwe isikhungo sesikweletu.
Indlela yokukhokha imali mboleko ngezindlu zokubeletha?
Ukuze uthumele inani lesitifiketi somzali sokukhokhwa kwesikweletu esiyinhloko noma inzalo ekwesikweletu sezindlu, kubalulekile ukuhambisa imibhalo yesiKhwama sePensheni ekuthengeni izindlu endaweni noma ikhophi yesivumelwano sokubamba iqhaza ekwakhiweni okwabelwana ngakho, uma into ethengiwe ingakapheli.
Ngaphezu kwalokho, kuzodingeka ucele ibhange noma olunye ulwazi lwenhlangano yezikweletu ngenani lesikweletu esikhulu kanye nesithakazelo esikhishwe, kanye nanoma yikuphi ukuqinisekiswa kwesiqondiso semali sokuthenga noma ukwakha indawo yokuhlala. Amadokhumenti oyithumelayo azobhekwa phakathi nenyanga,
Kusukela ngo-2015, imindeni enelungelo lokulahla lokhu kukhokhwa kwemali nayo inikezwe ilungelo lokuyisebenzisa njengenkokhelo yokuqala yokubolekwa kwezindlu ezintsha.
Ngokungafani nazo zonke ezinye izinketho zokusebenzisa lesi sikhuthazo, ungakwazi ukukhokhela imali yakho ngemali yomzali wakho ngaphandle kokulinda isikhathi lapho ingane yakho iphenduka iminyaka engu-3 ubudala. Ungaphatha imali ngale ndlela ngaphambili - ngokushesha ngemva kokuthola isitifiketi ezandleni zakho.