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Ukuthuthuka Kwizinqumo Zezindlu Zenyanga Yamanje
Sekelaphakade sekulwazi lwasendaweni kusuke kube khona isiphazamiso esikhulu, ngenxa yezindlu ezenziwa ngaphandle evela njengendlalifa ethembekile kumethode wokudala izindlu zasetradishini. Lezi zixhumanisi ezintsha zombuso zihlanganisa izindlela zokwakha ezinezimali ezininayo nezibonakaliso, zinikela abasebenzi kombuso ukuchithwa, ukusekelwa, nokunakekelwa kwemali.
Ngenkathi izindleko zokuphila ziya phakama kanye nezinkinga zezenzulwini eziyaphakama, amakhaya okubuthiwe ngemvume ziyavutha kusuku lwesimo sokuphila okuphathelene nokuhlaziywa kwizimu, okufana nokuphila kwazo ezintweni zakhiweyo. Ukuziqonda izindleko eziphatha ekukhetheni phakathi kwezakhiwo ezigciniwe noma ezenziwayo ngendlela eyisisekelo yayizwe kuyayingqiniswa kakhulu ababambe indlu.
Izindleko Zokuvulwa Kuqala Nenxeba Yengxenye
Izindleko Zokukhiqiza Nezokunquma
Umthombo ohlelekile wokukhiqizwa kwindawo yasendaweni ubenza izindlu ezinhlelweyo zibe nesilinganiso esikhulu. Izindlela zokukhiqizwa zihlelwe, izinto zothola ngokujika, kanti imida ingcinwa. Ngokuvamile, izindleko zokuvulwa kwezinhlelweyo zingaba ngu-10-25% ngaphansi kwezindlela ezinhlelwayo, zinezindleko eziyangeza ku-$150 ku-$400 ngosuku olubili, ngokulinganisa no-$200 ku-$500 kumazwi amandla.
Izindleko zokusebenza zihlukile kakhulu ngoba izindlu ezenziwe ngaphambi kuzidinga abasebenzi abancane kunezinsuku eziningi zokudala. Indlela yokunqamula yendlela esebenzisa uhlelo lwesithuthi lunciphisa ubukhonto bezinsuku ngenxa yemvula futhi linikeza amandla okuncipha kwehluko kwalithi noma ukulahlekelwa kwamathuba.
Imiphumela Yokusabalalisa Isikhathi
Kwakungumunye wamaphakade amakhonkco akhethekile kwezindlu ezenziwe ngaphambi kuba isikhathi esincane sokudala. Ngelishwa izindlu ezihlelekile zingadinga izinyanga ezisixhosa kuya kuzi-12 ukuze kugcwaliswe, kodwa lezi zindlu ezenziwe ngaphambi kungafakiwa kuzo ngomnyaka wesine. Lokhu kusabalalisa isikhathi kubangela ukuncipisa kwezindleko ngokunciphisa izikhathi zokusebenza nokuncipisa izindleko zomthelelo wokudala.
Lokhu kusabalalisa isikhathi kusho futhi ukuthi abakhi zindlu bangafika phansi kahle, bangeke bacophele izinkululeko eziningi kwezindlu zokuhlala njalo noma izindleko zokubhatala ngduring yokudala.
Imiphumela Emuhle Ngemuva Kwesikhathi Eside
Ukusebenzisa Kakhulu Kwezimali Nezindleko Zokusebenzisa Amathuba
Izindlu ezivalelwe kuleli gama zihlanganisa izici ezihlelekileyo zokusebenzisa imithamo ngokwesivumelwano. Ukuvaleka okuphelele kakhulu nokumiswa okuhle kuyakhiwa yisibonakaliso sokuvaleka, okubangela izindleko eziphazinyayo zokulahla nokushisa. Abavali abaningi besebenzisa izimboni ezenziwayo kakhulu kwezimali nezobuchwepheshe zokulahla imithamo, okungaba yindlela yokuthula izindleko zomshelo nguye 20-30% kunazo ezivalelwe ngendlela esemthethweni.
Ukuthunywa kwezobuchwepheshe zasekhaya kanye nezinhlelo ezenziwayo kakhulu kuzindlu ezivalelwe kuleli gama kungaba yindlela yokuthula kakhulu emuva kwesikhathi. Iziphaneli zasolari, izixhobo ezihlelekileyo zokusebenzisa imithamo, kanye nezinhlelo ezihle zokulahla nokushisa zingaba zenzeke ngendlela ebalulekileyo ngexesha lokuvaleka kwasikolo.
Ukuqashisa nokuzodwa
Ukulungiswa kwezimali kumathuba wokuzenzwa kufakelwa izindlu ezenziwayo ngendlela ethintekileyo, okungaba khona ukuthi kususa izindleko zokulungiswa ngomnyaka. Isisekelo sezixhobo zokugayaza nezinhlelo zokudala kubangela iziqhamo ezifakiwe ngempela kanye nokukhohlwa kwesimo. Ngaphezu kwalokho, abazalisi abaningi beprefab bafakela amawodhi okulungiswa angaphezulu kwezothutho ezitholakala yizindlu ezazinzwa ngendlela esemthambo.
Ukukhathazeka kwezulu kunento engcono, njengoba iziqhamo zihlinzekwa kumoya futhi kwehluleka kwezimali ngenkathi kuzenzwa. Lokhu kungaba khona ukuthi kube nemfundo emandla kakhulu kanye nokukhohlwa kwemvumelelo kulinganisela nezindlu ezenziwayo emhlabeni.
Izindleko Ezifihlwe Nezidinga Ezinenge
Ukulungiswa Kwesikhundla Kuye Ngeyaphahla
Nakuba izindlu ezivalelwe ngaphambili zingaba nzima kancane ukuzolima, kumele kube khona ukuzimisa okuhle kwizindleko zokulungiselela indawo. Izinkatho zokuvalela, izixhobo zokuxhumana, nezindleko zokuphatha umhlaba zilindela njengevavanyo elijulile. Izingxenye ezivalelwe ngaphambili zingabangela izindleko eziphakeme kakhulu, ikakhulukazi emaseleni amudingayo.
Iinkonzo zomphakathi namathikithi angadinga ukuhlengahlenga okuchanekileyo okanye ubuchwepheshe obambeke, okungabangela izindleko zokugqibela. Kufuneka ukuthole ulwazi olumangalisayo ngaloo myalo ngaphambi kokuba uqalise ukuplanisha ukuze ungafumani izindleko ezingahoyenzekiyo.
Ukubuyekeza nokubika esilungileyo
Izindlu ezivalelwe ngaphambili zinikeza imikhuba yokuqhubeka engqonge, nakuba kukhona imigomo ethile kunokulingana nokuvalelwa okujulile. Nakuba iinguquko ezibalulekileyo zihlanganiswa ngokuvula kwiqhadi, ukuqhubeka kakhulu kungayiza izindleko kakhulu. Kodwa, abavali bafana ngezixhobo zokudala ezibalanceka ukubophezela kanye nezindleko.
Kulungile ukubala ngokucophelela izinguquko eziyadingekayo ngaphandle kwezimali, ngoba izibophongo ezwenziwa ngexesha lokwakha kungakhokelela kakhulu kunazo ezenziwa ngaphambili.
Ukugcina Futhi Imali Yendawo
Izinketho Zomshwalo Nenqumo
Ukulondoloza imitholampilo kuyaphucula njengoko abalandi abaningi baya kubona ubunzima babo. Abaninzi abasebenzisa imali manje bafaka izicelo ezithile yokuwakha okwenzelwe ngaphambili, nokuba izindleko zokhokha nezinqumo zingahluke kwezomshwalo ezisemthethweni. Iziphumo zenqumo ziyafana ngokuvamile, noma negama elincane libe liphansi ngokuba kukhona ubunzima obungcono nokhuseleko olunconyiweyo.
Imali Yobuyiselwa Futhi Ukunyusa Kwemali
Ukubonakala kwemercati yezindlu ezenziwe ngaphambi kuthuthukile kakhulu, nokho ziningi izinhlobo ezihlukanisa ngendlela fana nezindlu ezithile. Ukwakhiwa kweqhina, ukusebenzisa kwezimali, nezidingo zomdla zisuswe izici ezidala imfazwe. Kuzo zonke izindawo ziqashelwa imali engaphezulu ekuthengeni futhi izindlu ezenziwe ngaphambi, ikakhulukazi emakhathini aphansi kwezimali yokwakha.
Imibuzo Evame Ukubuzwa
Ngizithola kangakanani uma ngichaze indlu engezansi kuyokwakha kahle?
Ngokwesilinganiso, abasebenzi basekhaya bangalifa ama-10-25% kumali echasiswayo yokwakha ngezindlu ezenziwe ngaphambi. Kodwa, izilungiso zihlukahluka ngokwesikhundla, izinketho zokudizaina, nezimodi zekhona. Izilungiso ezikhethekile kakhulu zitholakala ngokuphazanyiswa komsebenzi futhi izikhathi ezincane zokwakha.
Ngabe izindlu eziprefabrikethwe ziyadingana nezindlu eziphambileyo?
Izindlu ezivela ekhishini zidolobha ukuthi zifane noma ziyehlise amakhodi embumbula endaweni futhi zazinye izikhathi zibonisa ubukhona ngokwengeziwe ngoba zidolobhwe kwindawo ephathelene. Abadolobi abaningi basebenzisa izimboni ezinhle kanye nezindlela zokudoloba eziphambili okubangela ukuthi zibe namandla okungena emizimonweni engcono.
Kuzozitholakala ziphi izinketho zokufaka imali izindlu evela ekhishini?
Amakhono aphezulu konke manje athengeza izimali, izimali zokudoloba, kanye nezingxenye ezithile zokufaka imali izindlu evela ekhishini. Izimali zeFHA neVA ngokunjalo kuzotholakala abathengi abaqinisekiswe. Ukusebenzana nokhona ofuna imali onayo phakade ngokudolobha kakhishini kunceda ukuthola izimemo ezihle kangaka.