• Inkxaso-mali enganxulunyaniswanga natyala


• Inkxaso-mali enxulunyaniswe netyala

Inkxaso-mali enganxulunyaniswanga natyala ithetha ukuba uya kuthenga indlu leyo yakho usebenzisa inkxaso-mali kunye mhlawumbi nemali oyigcinileyo. Akusayi kuba natyala lamali-mboleko ekuya kufuneka ulihlawule.

• Ungayisebenzisela ntoni iNkxaso-mali yoLwakhiwo-zindlu?
• Ngubani onakho ukwenza isicelo senkxaso-mali?
• Usenza njani isicelo senkxaso-mali?
• Ingaba iyimalini na inkxaso-mali?
• Iminikelo yomntu oxhaswayo
• Iinkcukacha zoqhagamshelwano

Unakho ukuyisebenzisa inkxaso-mali yolwakhiwo-zindlu ukuthenga indlu. Oku kubandakanya umhlaba kunye noqobo lwendlu.

Ukuze ukulungele ukufumana inkxasom-mali yokwakhelwa indlu, kufuneka:

• ube utshatile, uhlala kunye neqabane okanye unabantu abaxhomekeke kuwe ngokwezimali.


• ube ngummi osemthethweni waseMzantsi Afrika - kufuneka ube ngummi okanye ube nemvume yokuba ngumhlali osigxina.


• ube unakho ukungena kwisivumelwano esisemthethweni - kufuneka ube ngaphezu kweminyaka engama-21 okanye kufuneka ube utshatile okanye ube uqhawule umtshato yaye unengqondo ephilileyo nezinzileyo.


• ube unengeniso yenyanga yosapho engagqithaqnga kuma-R3 500.00.


• ube awuzange uxhamle kwisibonelelo senkxaso-mali yokwakhiwa kwezindlu sikarhulumente ngaphambili.


• ube uyaqala ukuba ngumnini-ndlu okanye womhlaba.

Qaphela: Kukho unxaxho ukuba wenza isicelo senkxaso-mali emanyeneyo okanye izicelo zenkxaso yokufudukela kwenye indawo okanye omnye wamalungu osapho othe walimala.

Isicelo sakho siya kuphumelela kuphela ukuba ngaba ufumana ilungelo eliqinisekisiweyo lokokuba unganakho ukufumana indlu okanye umhlaba.

Ukufumana ulwazi olungaphezulu, qhagamshelana:

neDesika yoNcedo yeNkxaso-mali: 021 483 2342

Usenza njani isicelo senkxaso-mali yolwakhiwo-zindlu enganxulunyaniswanga natyala

Kufuneka ugcwalise iphetshana lesicelo ukulungiselela ukufumana inkxaso-mali yolwakhiwo-zindlu. Ezi fomu ziyafumaneka kwiBhodi yoPhuhliso yoLwakhiwo-zindlu yeNtshona Koloni okanye kooMaspala abaqinisekisiweyo. Ukuba uthe wanikwa inkxaso-mali yolwakhiwo-zindlu enganxulunyaniswanga netyala, unakho ukuyisebenzisa inkxaso-mali ukuthenga indlu okanye umhlaba. Inkxaso-mali inakho ukwangezelelwa ngemali yakho oyigcinileyo.

Iphetshana lesicelo

Xa uthe wagcwalisa iphetshana lesicelo, kufuneka ngokunjalo ungenise amaxwebhu adweliswe kulo. Kufuneka ngokunjalo ungenise:

• Ikopi eqinisekisiweyo yesivumelwano sentengiso kunye / okanye isibophelelo sokwakha, ngokunjalo nezicwangciso ezamkelweyo zokwakha.
• Ukuchongwa nokuqeshwa komnikeli: Umphuhlisi okanye umthengisi kufuneka atyumbe igqwetha okanye umnikeli. Umnikeli uya kubhalisa ukutshintshelwa kwendlu okanye komhlaba komnye umntu yaye uya kunceda i-WCHDB ukuba ilawule iintlawulo zesixa-mali senkxaso-mali eya kumphuhlisi okanye kumthengisi.
• Isiqinisekiso esivela kumnikeli. Esi siqinisekiso singqina ukuba umnikeli ukulungele ukubhalisa indlu okanye umhlaba nokulawula intlawulo yenkxaso-mali. Ukuba umrhumo womnikeli kuthe kwavunyelwana ngawo kufuneka nawo udweliswe.

Umrhumo womnikelo

Lo mrhumo uhlawulwa kwinkxaso-mali. Umrhumo lo unakho ukugqitywa phakathi komnikeli, umthengisi/umphuhlisi kunye nomthengi okanye unakho ukuxoxwa phakathi kwe WCHDB kunye nomnikeli.

Ukuba ngaba akuvisiswana ngomrhumo, iWCHDB inakho ukufuna omnye umnikeli ukuba aqeshwe.

Ungasenza njani isicelo senkxaso-mali enxulunyaniswe netyala?

Kufuneka ugcwalise iphetshana lesicelo ukuze ube nakho kwenza isicelo senkxaso-mali enxulunyaniswe netyala. La maphetshana esicelo ayafumaneka kubabolekisi abaqinisekisiweyo.

Wenza isicelo senkxaso-mali ngexesha elinye nokwenza isicelo semali-mboleko yebhanki. Zozibini izixa-mali: esenkxaso-mali kunye nemali-mboleko ziya kusetyenziselwa ukuthenga indlu okanye umhlaba.

Inkxaso-mali enxulunyaniswe netyala ilawulwa ziibhanki kunye namaziko emali. La maqumrhu aqinisekisiweyo asebenza njengee-arhente ze-WCHDB.

Unakho ukufumana uludwe lwababolekisi kwiWCHDB ekufutshane nawe.

Ukwenza isicelo sokuvula ityala

Xa usenza isicelo senkxaso-mali enxulunyaniswe netyala, kufuneka ulandele le mithetho:

• Kufuneka ungenise isicelo sakho kumbolekisi-mali.
• Kufuneka ube sele usiqukumbele isivumelwano sokuthenga indlu okanye umhlaba. Kudliwano-ndlebe lokuqala kunye nombolekisi kufuneka unikezele ngekopi eqinisekisiweyo yesivumelwano eso kumbolekisi-mali. Isivumelwano kufuneka sichaze ukuba akukwazanga kufumana nkxaso-mali kunye namboleko mali, ngoko ke isivumelwano siyaphanza.
• Kudliwano-ndlebe lokuqala, umbolekisi-mali uya kukucela ukuba uzalise ifomu yemboleko-mali ekuya kufuneka uyizalise. Baya kukuxelela kwakhona ukuba unalo na okanye akunalo ilungelo lokufumana imboleko-mali.
• Ukuba ngaba kukho ithuba lokuba ungayifumana imboleko-mali, umbolekisi-mali uya kukuxelela ukuba iyimalini na idipozithi ekuya kufuneka uyihlawule.
• Umbolekisi-mali uya kukuxelela ngeminye imirhumo engeminye ukuba iya kuba yimalini na ukuze ubenokuthenga indlu okanye umhlaba (kubandakanywa nemirhumo yokutshintshela ubunini komnye umntu kunye nemirhumo yokubhalisa isiqiniselo semali-mboleko). Umbolekisi-mali akangevumi ukukunika imboleko-mali ukuhlawula lemirhumo).
• Ukuba ngaba unakho ukuhlawula idipozithi kunye nemirhumo yaye ukuba ngaba unomzila olungileyo wokulondoloza imali, umbolekisi-mali angakuxelela ngendlela ongayiqukumbela ngayo indlela yemboleko-mali.
• Ukuba ngaba akukwazi kufikelela ekubeni ube nayo isixa-mali sokuqala, okanye ukuba indlela ogcina ngayo imali okanye indlela ohlawula ngayo amatyala ayanelisi, akuyi kuba nakho ukufumana imali-mboleko. Unakho ke ngoko, ukukhetha ukwenza isicelo senkxaso-mali enganxulumananga natyala.

Iinkcukacha zolwazi ngokubhekiselele kwiimfuno kunye nenkqubo ebhekiselele kwiNkxaso-mali Yokwakhelwa Komntu Ngamnye Indlu ziyafumaneka kwiKhowudi yoLwakhiwo-zindlu.