Unina ongayedwa - njani ukufumana izindlu?

Umba wezoqoqosho kunye nokubonelelwa kwezindlu kubomama abangabanikeli ngabantwana abancinci kubaluleke kakhulu. Kwiimeko apho umama omncinci engenazo izindlu okanye afuna ukuphucula imeko yakhe yokuphila, ungowesigaba sabantu abanelungelo lokufumana indlu yokuqala. Kwamanye amazwe, kuquka iRashiya ne-Ukraine, kukho ezinye iintlobo ezinokukunceda unina kunye nabantwana abangabodwa abangenayo impahla yabo.

Kule nqaku, siya kukuxelela indlela yokufumana izindlu zomama ongenamzali ovela kwilizwe, kunye noko unokukwenza ukuze uqaphele amalungelo akho ngokukhawuleza.

Unokufumana njani izindlu zomama ongatshatanga?

Ukusebenzisa ilungelo labo lokufumana indawo ephambili, umama ongenamzali kufuneka abhaliswe kwisixeko esifanayo iminyaka engama-10. Kwipropati yayo akumele kubekho indawo yokuhlala, okanye ummandla wayo kufuneka ube ngaphantsi kwezinga lokubhalisa kumfazi kunye nabantwana bakhe. Ukuxazulula umba wesidingo wokubonelela nge-lonely mum ngeendawo zokulala, kufuneka uqhagamshelane neSebe lolawulo lwesithili uze uthumele la maxwebhu alandelayo:

• ipaspoti;
• isatifiketi sokubhalisa kwindawo yokuhlala;
• isatifikethi somama esisodwa;
• izatifikethi zokuzalwa kubo bonke abantwana;
• ulwazi malunga nobukho okanye ukungabikho kwepropati yangempela;
• ipasipoti yendawo yokuhlala apho intsapho ihlala khona;
• isatifiketi yengeniso kunyaka odlulileyo;
• ulwazi malunga nabemi ababhalisiwe kule dilesi;
• isenzo sokuhlola indlu yokuhlala yenkampani;
• ukuqinisekiswa kwee-guardianship kunye ne-arhenteti arhente ukuba intsapho ihluphekile.

Kwakhona, ezinye izatifikethi zingafunwa, imfuno oyakukwaziswa ngayo ngesikhundla solawulo. Emva kokuphonononga ipakethe yamaphepha, uya kwongezwa uluhlu lwabafake izicelo abanelungelo lokufumana indlu kwindawo yokuqala. Kufuneka ukhunjulwe ukuba inani elikhulu lezo zicelo zihlala zifunyenwe ngulawulo lwezithili, ngoko ke, kunokwenzeka ukuba kufuneka ulinde iminyaka emininzi emininzi.

Indlela yokufumana izindlu zomama ongatshatanga?

Ukuze ungalindelanga ixesha elide, kungcono ukuzisebenzisela ezinye iindlela eziza kukuvumela ukuba uzimele ngokuzimeleyo indlu ngegama elikhethiweyo. Ukwenza oku, umama ongenamzali kufuneka athole inkxaso-mali yezindlu, ezingasetyenziswa njengentlawulo yokuqala yokuthengwa kwezindlu, kunye nokuhlawulwa kwayo kwixesha elizayo.

Umba weentlawulo zenkxaso-mali ulawulwa yinkqubo yesithili. Ngokubonelela ngamaxwebhu afana nalawo afunekayo kwizindlu ngokulandelelana, Ngenyanga uza kufunda impendulo yolawulo malunga nokubonelela nge-subsidy. Xa kunesigqibo esihle, kuya kufuneka uvule i-akhawunti kunye nebhanki, eya kuthi idluliselwe kuwe ngexesha elifutshane kakhulu.

Isixa senkxaso ayikwazi ukudlulela kwi-40% yexabiso lezindlu ezithengiweyo, kwaye ubungakanani bayo obuchanekileyo bahlaziywa ngokubhekiselele ekutshintsheni amanani entengiso. Ezinye iindleko zefestile onokuzihlawula ngemali yakho, okanye wenze i-mortgage yayo kwindawo ephantsi kakhulu inomdla.