Ungawukhipha kanjani umshwalense wakho wasekhaya ekubuyiselweni kwakho kwentela ka-2023
Isici esibalulekile lapho ufaka imbuyiselo yakho yentela ngo-2023 ukuqonda ukuthi ungayidonsa kanjani umshuwalense wasekhaya. Kubakhokhi bentela abaningi, kubalulekile ukuqonda izimo nezinqubo ezahlukene ukuze bazuze izinzuzo zentela.
Kuyini ukukhululeka kwentela yomshwalense wasekhaya?
Umshwalense wekhaya uyinkontileka enikeza ukuvikeleka kwezimali ngokumelene nenqwaba yezingozi ezingase zithinte ikhaya, njengomlilo, ukweba, izikhukhula, nomunye umonakalo. Emkhakheni wezezimali, khipha umshwalense wasekhaya Lokhu kuhilela ukudonsa amanani akhokhelwe lo mshwalense ekubuyiselweni kwentela engenayo, ngaleyo ndlela kuncishiswe isisekelo sentela, ngenxa yalokho, inkokhelo yentela.
Izidingo zokudonsa umshwalense wasekhaya
Ukuze ufake i- umshuwalense wasekhaya Emalini ebanjwayo yentela, kuyadingeka ukuthobela izimfuneko ezithile ezisungulwe ngumthetho. Okubaluleke kakhulu kunemininingwane lapha:
- Indawo yokuhlala evamile: Ukukhululwa kwentela kutholakala kuphela uma umshwalense uhlotshaniswa nendawo yokuhlala yomkhokhintela, okuwukuthi, indawo lapho behlala khona unomphela.
- Idethi yokuqashwa: Umshwalense kumele ngabe ukhishwe ngezinsuku ezithile; Ngokuvamile, kusebenza kuzinqubomgomo zomshwalense ezikhishwe ngaphambi kukaJanuwari 1, 2013, ezikweletini ngaphambi kwalolu suku.
- Imali ebolekwayo: Izinkokhelo zomshwalense kufanele zixhunywe emalini ebolekiwe noma imalimboleko ehloselwe ukutholwa, ukuvuselelwa, noma ukwakhiwa kwendawo yokuhlala eyinhloko.
Imikhawulo yokudonswa kwemali kanye namaphesenti
La ukukhishwa komshwalense wekhaya ingaphansi kwemikhawulo ethile namaphesenti. Umthetho wamanje usungula iphesenti lokubanjwa elingafinyelela ku-15% yenani lomshuwalense, inqobo nje uma umkhokhi wentela ehlangabezana nezimfuneko ezishiwo ngenhla. Ukwengeza, kunomkhawulo omkhulu wokudonswa kwemali wonyaka ofinyelela ku-9.040 wama-euro, ongafaki nje kuphela umshwalense wasekhaya kodwa nezinye izindleko ezihlobene ne-mortgage.
Imibhalo Edingekayo
Ukufaka i umshuwalense wasekhaya Kumbuyiselo yentela yemali engenayo, kubalulekile ukuba nala madokhumenti alandelayo:
- Inkontileka yomshwalense: Lapho ukufakwa kanye nezinkokhelo ezenziwe zicacisiwe.
- Amarisidi okukhokha: Ubufakazi bezimali ezikhokhwe ngonyaka wezimali.
- I-mortgage deed: Lapho kubonakala khona ukuxhumana phakathi komshwalense kanye nesikweletu sendlu yokuhlala endaweni yokuqala.
- Isitifiketi esivela enkampanini yomshwalense: Kwezinye izimo, kungase kudingeke njengobufakazi obusemthethweni bokukhava kanye nezinkokhelo.
Isinyathelo ngesinyathelo ukudonsa umshwalense wakho wasekhaya
Isinyathelo 1: Qinisekisa amanani akhokhiwe
Kubalulekile ukulandelela izinkokhelo zomshwalense wekhaya phakathi nonyaka wezimali. Kuphakanyiswa ukuthi uqoqe wonke amarisidi namadokhumenti ahlobene ukuze wenze lokhu kuqinisekisa ngempumelelo.
Isinyathelo sesi-2: Qinisekisa ukufaneleka
Hlola ukuthi izidingo ziyahlangatshezwa yini izimfuneko zentela ukudonsa umshwalense wasekhaya. Lokhu kuhlanganisa nokuhlola ukuthi umshwalense uxhumene nesikweletu sendlu endaweni yokuhlala eyinhloko nokuthi sithengwe ngedethi efanelekile.
Isinyathelo sesi-3: Faka idatha kuhlelo lwesimemezelo
Usebenzisa isofthiwe ye-Tax Agency, kufanele ufake imininingwane yomshwalense wekhaya lakho emabhokisini ahlinzekwe ngokubanjwa kwezimali ezitshaliwe ezindaweni zokuhlala eziyisisekelo. Kubalulekile ukufaka ulwazi ngendlela efanele ukuze ugweme amaphutha angaholela ekujezisweni kwentela.
Okuhlukile nezimo ezikhethekile
Izindlu eziqashisayo ezinenketho yokuthenga
Esimeni sezindlu eziqashisayo, izinkokhelo zomshwalense wekhaya zidonselwa intela kuphela uma isivumelwano sokuqasha kanye nenketho yokuthenga kuhlangabezana nemibandela ethile esungulwe ngokomthetho. Kutuswa ukuthi ubuyekeze lezi zinkontileka ngokuningiliziwe futhi uxhumane nomeluleki wezentela uma kunesidingo.
Indawo yokuhlala engajwayelekile
Emizini engabhekwa njengejwayelekile, njengezindlu zesibili noma izakhiwo zokutshala imali, i ukukhululwa kwentela yomshwalense wasekhaya akusebenzi ngaphansi kwemithetho yamanje. Izinkokhelo ezenzelwe umshwalense kulezi zakhiwo azinakudonswa embusweni wakho wentela.
Indlela yokwenza uma ungabaza
Uma kuphakama imibuzo noma izinkinga lapho uzama ukufuna intela yakho yomshwalense wekhaya, kunezenzo ezimbalwa ezingenza inqubo ibe lula:
- Xhumana nomeluleki wentelaUmeluleki okhethekile anganikeza isiqondiso esinemininingwane futhi esiqondene nawe sokuthi ungaqhubeka kanjani.
- Xhumana nenkampani yomshwalenseIzinkampani zomshwalense zivame ukunikeza usizo futhi zingakhipha imibhalo eyengeziwe uma kunesidingo.
- Buyekeza imihlahlandlela esemthethweni Yesikhungo SentelaLe mihlahlandlela iqukethe ulwazi olunembile nolwakamuva futhi iwumthombo omuhle kakhulu wokucacisa noma yikuphi ukungaqiniseki.
Izixhumanisi Eziwusizo
Kubalulekile ukuhlala unolwazi futhi uqinisekise ukuthi uthobela yonke imithetho lapho ufuna ukukhokhelwa intela yomshwalense wekhaya, kanye nokugcina amarekhodi anembile nahlelekile amadokhumenti adingekayo. Ngokulandela lezi zinyathelo, abakhokhi bentela bangakwazi ukwenza inqubo ibe lula futhi baqinisekise ukuthotshelwa kwemithetho yentela.