Umama ongayedwa - ungathola kanjani izindlu?

Inkinga yokuphila kahle kwezezimali kanye nokuhlinzekwa kwezindlu kubomama abangabodwa abakhulisa izingane ezincane kakhulu. Ezimweni lapho umama osemncane engenalo izindlu noma okudingeka azithuthukise izimo zakhe zokuphila, ungowesigaba sezakhamizi ezinelungelo lokuthola indlu kuqala. Futhi kwamanye amazwe, kuhlanganise neRussia ne-Ukraine, kunezinye izinzuzo ezingasiza umama ongashadile nezingane ukuba bathole impahla yabo.

Kulesi sihloko, sizokutshela ukuthi ungathola kanjani izindlu zomama ongashadile ovela kuhulumeni, nokuthi yini ongayenza ukuze uqaphele amalungelo akho ngokushesha.

Indlela yokuthola izindlu zomama ongayedwa?

Ukusebenzisa ilungelo labo lokuthola indawo yokuhlala, umama ongayedwa kumele abhalise edolobheni elifanayo okungenani iminyaka eyi-10. Endaweni yalo akufanele kube khona indawo yokuhlala, noma indawo yayo kufanele ibe ngaphansi kwezinga lokubhalisa owesifazane nezingane zakhe. Ukuxazulula inkinga yesidingo sokuhlinzeka ngomama onesizungu, kufanele uxhumane nomnyango wokuphatha wesifunda bese uhambisa imibhalo elandelayo:

• ipasipoti;
• isitifikedi sokubhalisa endaweni yokuhlala;
• isitifiketi somama ongashadile;
• izitifiketi zokuzalwa zazo zonke izingane;
• ulwazi mayelana nokuba khona noma ukungabi khona kwempahla yangempela;
• ipasipoti yendawo yokuhlala lapho umndeni uhlala khona;
• isitifiketi semali engenayo ngonyaka odlule;
• ulwazi ngezakhamizi ezibhaliswe kuleli kheli;
• isenzo sokuhlola indawo yokuhlala yinkampani yokuphatha;
• ukuqinisekiswa kwe-ejensi yokugcinwa kanye ne-trusteeship emndenini ompofu.

Futhi, ezinye izitifiketi zingadingeka, isidingo ozokwaziswa ngaso isikhulu sezokuphatha. Ngemva kokubukeza iphakheji lamadokhumenti, uzofakwa ohlwini lwabafakizicelo abanelungelo lokuthola indawo yokuhlala kuqala. Kumele kukhunjulwe ukuthi inombolo enkulu yezicelo ezinjalo zihlala zitholwa ngokuphathwa kwesifunda, ngakho-ke, cishe kuzodingeka ulinde iminyaka eminingana emide.

Indlela yokuthola izindlu zomama ongayedwa?

Ukuze ungalindeli isikhathi eside, kungcono ukusebenzisa ezinye izinketho ezizokuvumela ukuthi uzithenge ngokuzenzekelayo indlu ngegama elikhethiwe. Ukuze wenze lokhu, umama ongayedwa kufanele athole isibonelelo sezindlu, esingasetshenziswa njengenkokhelo yokuqala yokuthengwa kwezindlu zangempela, nokukhokha kwayo esikhathini esizayo.

Inkinga yokukhokha izinsizakalo zisekelwa ngokuphathwa kwezifunda. Ngokunikeza iqoqo lamadokhumenti afana nalokhu okudingekayo ezindlini ngokulandelana, Ngenyanga uzofunda impendulo yokuphatha mayelana nethuba lokukunika umxhaso. Uma kwenzeka isinqumo esihle, kuzodingeka uvule i-akhawunti nebhange, okuzodluliselwa kuwe ngesikhathi esifushane kakhulu.

Isibonelelo somxhaso asikwazi ukudlulela u-40% wexabiso lezindlu ezitholakale, futhi ubungako bayo ngqo buyekezwa njalo ngenxa yokushintsha amanani entengo. Ezinye izindleko zefulethi ungakhokhela ngemali yakho, noma wenze imali yokubolekwa kuyo ngentengo ephansi kakhulu.