Thola imali yerenti efinyelela ku-800 mil pesos: izimfuneko ezibalulekile

Naphezu kokwenyuka kweholo eliphansi, imindeni eminingi eColombia isaqhubeka nokubhekana nobunzima bezomnotho.

Okuqukethwe Okuhlobene

Uxhaso lwerenti luvezwa njengesixazululo esisebenzayo emindenini eminingi yalena.

Kubalulekile ukuqonda izimfuneko nezinzuzo zalolu xhaso. Ngakho-ke, kwabelwana ngolwazi oluningiliziwe ngezansi.

Nansi indlela yokuthola imali efinyelela ku-800 000 pesos yokukhokhela irenti yakho: lezi yizimfuneko.

EColombia, ingxenye enkulu yabantu ihlala ezindlini noma emafulethini aqashiwe. Lolu hlelo, olwaziwa ngokuthi ukuqasha, lusho ukuthi abaqashi bakhokhela umnikazi wendawo imali yanyanga zonke ukuze bakwazi ukuhlala kuyo.

Nokho, obunye bobunzima ababhekana nabo abaqashayo ukwenyuka kwaminyaka yonke kwezindleko zokuqasha, okungakhuphuka kufike ku-5,2%. Lokhu kulungiswa kuhlobene nokwehla kwamandla emali konyaka futhi akunqunywa ngumnikazi wendawo, kodwa yizimo zezomnotho zezwe. Njengoba izindleko zokuphila zikhuphuka, imindeni eminingi izithola isesimweni esintengantengayo ngokwezimali.

Ukuze kwehliswe lo mthwalo wezezimali, izikhwama zesinxephezelo somndeni zinikeza uhlelo loxhaso lwerenti olungaba usizo olukhulu emakhaya anemali engenayo ephansi. Lokhu kusekelwa kwezezimali kusiza ukukhokhela kufika ku-90% wezindleko zenyanga zokuqasha isikhathi esingafika eminyakeni emibili. Ngo-2025, inani eliphakeme loxhaso lifinyelela ku-854.100 pesos ngenyanga, okuyingxenye enkulu yomzamo wezezimali imindeni okufanele iwenzile njalo ngenyanga.

Obani abangathola le nzuzo?

Uxhaso luqondiswe emindenini ehlangabezana nalezi zidingo:

Izidingo

1. Ukuba nemali engenayo yanyanga zonke elingana noma engaphansi kwamaholo amabili aphansi asemthethweni asebenzayo.
2. Ukungabi ngabanikazi bendlu.
3. Ukungakaze kutholwe uxhaso lwezindlu ngaphambilini.
4. Ukuba senqubweni yokukhokha isitolimende sokuqala sokuthenga indlu yezenhlalakahle.
5. Ukuhlala endaweni yokuhlala efanele ukuhlala kuyo, engabanjwanga ngumyalelo wokudliwa kwempahla noma ebekwe njengesibambiso semalimboleko.

Kubalulekile ukuqaphela ukuthi ngaphezu kwalezi zidingo, izikhwama zesinxephezelo zivakashela izindawo zokuhlala ukuze ziqinisekise ulwazi olunikezwe abafake izicelo futhi ziqinisekise ukuthi zonke izimo ezidingekayo ziyagcwaliseka. Le nqubo ihlose ukuqinisekisa ukuthi uxhaso lufinyelela kuleyo mindeni eludinga ngempela, ngaleyo ndlela kukhuthazwe ukusetshenziswa kahle kwezinsiza ezibekelwe izindlu.

Imindeni ehlangabezana nezidingo ngeke ithole nje kuphela ukukhululeka ezindlekweni zayo zenyanga zerenti, kodwa izokwazi nokusebenzisa lezo zimali kwezinye izidingo ezibalulekile, njengokudla, imfundo yezingane noma ukonga ikusasa.

Ukubhekana nodaba lwezindlu nokuqasha kubalulekile ezweni lapho ukufinyelela kulezi zinsiza eziyisisekelo kungaba yinto ebalulekile ekuthuthukiseni izinga lokuphila lezakhamuzi zalo. Ngakho-ke, izinqubomgomo ezisekela amakhaya anemali engenayo ephansi ngoxhaso ziyithuluzi elibalulekile lokwakha izwe elinobulungisa obukhulu.

Ekugcineni, kuyanconywa ukuthi imindeni enentshisekelo yokuthola lolu xhaso ibonisane nezikhwama zayo zesinxephezelo futhi ilandele izimemezelo zezicelo ezikhishwa ngezikhathi ezithile. Ngale ndlela, izokwazi ukuthola ulwazi ngokutholakala kwezimali nezinyathelo okufanele izilandele ukuze ithole lolu sizo olubalulekile.

Ukwazi nokusebenzisa amathuba ahlinzekwa uxhaso lwerenti kungenza umehluko omkhulu ezimpilweni zemindeni eminingi yaseColombia. Lolu sizo aluhlosile nje kuphela ukunciphisa umthwalo wezezimali, kodwa nokufaka isandla enhlalakahleni nasozinzeni jikelele lwemizi ezweni.

Ukuqonda lezi zinzuzo kuyisihluthulelo sokuqinisekisa ukuthi wonke umndeni uyakwazi ukuthola indawo yokuhlala efanele nephephile. Ngaphezu kwalokho, kukhuthaza ukuthuthuka komphakathi ngokuvumela abantu abaningi ukuba bagxile ekukhuleni kwabo siqu nasemsebenzini, kunokumane bazame ukusinda lapho bebhekene nobunzima bezomnotho.