



UMTHETHO
Ukuthenga umzi
AbakwaMonli Paper bavuyisana neBona xa egqiba iminyaka eiigama-40 yaye isiya isomela





Ukuthenga umzi kuziindleko, ngoko
ukuba uceba ukuthenga
umzi kufuneka ulumke.
UTyhiIa Ufunde
ukuchazela amanyathelo
ekufuneka uwathabathe
ukuze uzaliseke
umnqweno wakho. Oko
kususela ekufumaneni
indawo ofuna
ikuwuthenga kuyo kuse
ekutyikityeni
amaphepha
okuwuthenga.
Kwinyanga ezayo siza
kuthetha ngemalimboleko yokuthenga
umzi.
U
 Vusi noWanda badiniwe kukuhlawula irenti kwindawo abahlala kuyo. Zonke iinyanga bahlawula irenti kumnini-mzi ongafuniyo ukulungisa izinto ezifuna ukulungiswa kwigumbi Jabo. Ngoku bagqibe ekubeni bazithengele owabo umzi. Ngaba kufuneka bathini ukuze bazalisekise umnqweno wabo?

Umntu ofuna ukuthenga umzi kufuneka enze izigqibo ezibalulekileyo. Nazi ezinye zezinto ekufuneka acinge ngazo:

•	Ngaba ufuna ukuhlala phi?

•	Ngaba uya kukwazi ukuwuhlawulela loo mzi?

•	Ungayibo(eka phi ima(i yokuthenga umzi?

•	Ngaba uya kuhlawula malini ngenyanga?

Kule nyanga uTyhila Ufunde ukunceda kumanqanaba ohlukeneyo ekufuneka ugqithe kuwo xa uthenga umzi.
Amakhasi Abadala

Indawo owufuna kuyo
Uninzi lwethu luyazazi iindawo olunqwenela ukuhlala kuzo nangona sisenokuba asiziqhelanga ezo ndawo. Xa ufuna ukuthenga umzi kwindawo ongayaziyo kakuhle kufuneka ufumane ezi zinto zilandelayo:

•	ngaba zikho izinto zokuhamba kuloo ndawo

•	ngaba zikho izikolo nezinye izinto eziyimfuneko kufutshane

•	ngaba iivenkile zikufutshane

•	ngaba lunjani ulwaphulo-mthetho kuloo ndawo

•	ngaba akukho zinto ziza kwakhiwa kuloo ndawo kwixesha elizayo. Kusenokuba yindlela okanye

ukwakhiwa kwezindlu ezinokutshintsha imbonakalo yendawo yenu.











Amakhasi Abada1a
UMTHETHO
Unokufumana iinkcukacha ezininzi ngendawo ngokuthetha nabantu abahlala kuyo. Hamba-hamba kuloo ndawo ukuze ubone ezinye izinto enazo nokuthi ikufanele na ukuba uhlate kuyo.

Ukufumana umzi
Unokucela iestate agent ikuncede ekufumaneni umzi owunqwenelayo. Unokujonga nakwiphepha-ndaba iindawo ezinemizi ethengisayo. Kodwa kufuneka wazi ukuba ufuna umzi onjani. Abantu abaninzi bathenga imizi bajike bachithe imali eninzi beyilungisa.
IiEstate ageizts zinokukubonisa imizi eyahlukeneyo.




Nalu uluhlu lwezinto onokuziqwalasela:
•	Ukuba atuvuzi na uphahla xa kusina nokuba iindonga azifumi na. Xa zifuma iindonga akunakuba mnandi ukulala kulo mzi.

Ukuba ngaba umbane
usebenza kakuhle na.

Ukuba kulula na ukuvula nokuvala iimpompo zamanzi

Ukuba zimpawu
zezinambuzane ezitya
amaplanga endlu na.
Ukuba iifesitile
zivaleka ziluleke tula na
Ukuba ipeyinte isesemgangathweni na. Ziindleko ukupeyinta indlu.


Kubalulekile ukuyigoca-goca indlu ozokuhlala  kuyo.
Ukutyikitya i-deed of sale
Ngoku uyifumene indlu oyifunayo. Ngoku lixesha lokuba utyikitye i-deed of sale. Eso sisivumelwano phakathi komthengi nomthengisi womzi ekufuneka ibhalwe phantsi.

Kungani kubalulekile ukutyikitya i-deed of sale? Oko kuchaza ukuba indlu iyathengiswa. Kwesi sivumelwano umthengi uya kuchaza iimeko ayithenga phantsi kwazo indlu. Umthengi uya kuchaza nezinto azihlawulelayo xa ethenga umzi.

Kukumthengisi ukujonga ukuba uyavumelana na nezinto ezibhalwe ngumthengi. Ngokuqhelekileyo umthengi udla ngokulithoba ixabiso lendlu kwixabiso elifunwa ngumthengisi. Kufuneka umthengisi enze isigqibo sokuba uyayamkela na imali umthengi afuna ukuthenga ngayo umzi.










UMTHETHO
Umsebenzi
Usamkhumbula uVusi noWanda? Kudala bewufuna umzi. Unokubacebisa kwezinye zeengxaki abanazo.

f.	Sizimisele ukuthenga umzi we-A230 000 yaye kukho
esiwufumene eUpton North ngelo xabiso. Ngaba zinto zini ekufuneka sizijonge ukuze siqonde ukuba umzi esiwuthengayo uyifanele imali
esiwuthenga ngayo?

2.	l-estate agent yethu isixelele ukuba sihlawule iindleko
zokutshintsha kobunini bomzi. Sijonge imizi eyahlukeneyo. Ungasinceda usixelele ukuba imali yokutshintsha ubunini bomzi iya kuba yimalini kule mizi
ilandelayo:

•	indlu endala yasefama exabisa i-

R250 000

•	iflethi exabisa i-R100 000

•	indlu enemagumbi amathathu okulala exabisa i-R280 000

3.	Siyityikityile ideed of sate ngoku silinde umthengisi ukuba atsho
ukuba uyalamkela na ixabiso esifuna ukuwuthenga ngalo umzi. Ngawaphi amanye amanyathelo ekufuneka siwathabathe?








i-Deed of sale liphela nje elilula. Kodwa xa libandakanya amagqwetha linokuba nezinto ezintsokothileyo. Xa kukho namagqwetha phakathi kufuneka nawe ube nelakho igqwetha. Xa ungenalo igqwetha kufuneka uqwalasele ezi zinto:

Kufuneka kubekho indawo ethi uza kuwuthenga umzi xa uyifumana ibhanki, ibuilding society okanye imali-mboleko yokuwuthenga umzi.

Kufuneka kuchazwe nokuba uya kuhlawula malini yerenti xa ungene endlwini ingekabhaliswa ngegama lakho.

Kufuneka kuxelwe ukuba uyithenga indlu nazo zonke izinto ezifakwe kuyo. Ngamanye amazwi neebuilt-in cupboards, izibane, njalo-njalo. Maxa wambi abantu bayazikhupha ezi zinto xa behamba.

Kufuneka kuxelwe nokuba nawuphi na umonakalo owenzeka endlwini uya kuba ngowomthengi yakuba ngaphantsi kwakhe indlu.

Xa kungabhalwanga oko isichenge somonakalo siya kugqithiselwa kumthengi wakutyikitya i-deed of sate. Maxa wambi umthengi unokungangeni endlwini ezinye iinyanga ezintathu.

Umbhalo wokuba umzi uthengiswe njengokuba unjalo nokuthi
umthengisi akayi kubekwa tyala xa kukho undonakele.

•	Kuxelwe nokuba iya kuphelelwa nini imali umzi othengisa ngayo. Kusenokuba ziintsuku ezi-2 kuse kwiiveki ezi-2.

Umthengi iba yeyakhe indlu yakubhaliswa ngegama lakhe. Amaphepha okutshintsha kobunini bendlu ngawomthetho yaye umthengi kufuneka ahlawule iindleko zokutshintshwa kobunini bomzi. Kufuneka ube nemali eyaneleyo yokuhlawula ezi ndleko zidla ngokuba yi-5% yexabiso lomzi.

Xa ufuna imali-mboleko yokuthenga umzi, umhloli wezindlu uya
kuthunyelwa ukuba azobona indlu. Ngaphambi kokuba ubolekwe imali umhloli uya kujonga imeko yendlu nokuthi ilifanele na ixabiso
layo. Maxa wambi oku kuyabanceda abathengi.

lcatshulwe kwiStreet Law No.5: Welfare and Housing Law. Kutote uSally Giles.

AbakwaMondi Paper banqwenelela iBona eminye iminyaka engama-40 yempulo










Amakhasi Abadala
IMPILO
Sekumbovu uphele unyaka! Kungekudala kuza kuqaliswa ukwenziwa kwamatheko eziofisini nabahlobo. Eli Iixesha lokuphumla ushaye umdiza wakho
usela nokusela. Ngaba uyasiqonda isichenge abantu namatheko yonke imihla? UTyhila Ufunde uqwalasela

abaziingedle zecuba.

Bobunjani ubomi




U
 kutshaya nokusela - ngaba bubomi obumnandi obo? Isibhengezo esikunomathotholo nakumabonakude ngathi zitsho loo nto Qho xa abantu besekhefini okanye ethekweni,
ukusela iziselo ezinxilisayo nokutshaya imidiza yeyona nto yokuzonwabisa. Ukusela utywala kancinane ngexesha akuyongozi. Kodwa wakusela kakhulu, nokutshaya rhoqo kuyibeka
abazibeka kuso ngokuba ubomi bamanxila nabantu



obuhle?
esichengeni impilo yakho. Akukho nto imnandi kubomi bokuba likhoboka lotywala okanye ukuba yingedle yotywala. Eneneni abantu abanjalo kulindeleke ukuba bafe ngokukhawuleza.



Isiselo esiyingozi
UThulani usoloko ekwisirhoxo sakwaMaShezi. Waqala esiya kuba efuna ukudibana ancokole nabahlobo bakhe. Kodwa waqala ukusela kakhulu. Abanye wayesela kuba efuna ukulibala iingxaki zakhe nomkakhe.
Ngaba ezo zinto zaziyingxaki kangangokuba wayengenako ukuzilungisa ngokwakhe? Abanye abantu bathi uThandi wayekrexeza. Butywala obabusenza uThulani alibale ngaloo nto. Yathi intlungu yakuqala ukumongamela wasela kakhulu ukuze ayiphelise. Kungekudala waphulukana nomsebenzi wakhe.
18 BONA XHOSA - November 1996

	Esi sihiomelo siIhalwe kwiphepha esiiiphiwe ngatekwaMondi Paper

		BONA XHOSA - November 1996 19

	Esi sihlomelo sihhalwe kwiMoIi Rotogloss 55 gm2

