Ngaba Unayo Ikhaya?
Kuzo zonke iimarike, nokuba iimveliso okanye imali, ukubonelela kunye nemfuno ziya kuhlala zichonga ukunyuka kwexabiso. Ngoku ukuba ndithethile, ndiya kuguqula ngento yokuba urhulumente okanye enye ngaphandle kwemizamo yokuvuselela iimakethe iya kuhlala iqhuba iimarike ngokufanelekileyo. Kwaye, andicinga ukuba kungcono kunokuba uphuculo oludala kunye neemfuno.
Ukujonga emva kwendawo yokuhlala kunye nokukhubazeka kwempahla eyaqala ngo-2006 kwaye yanciphisa iimarike kwaye yadala ukunyuka kwemali, ukubonelela kunye nokufuna kwakungendawo yesibini emva kokuvuselela okubonakalayo.
I-blame iphoswe ngokukhawuleza ngenxa yokuphazamiseka, kwaye ezininzi zizinzileyo kwi-stimulus karhulumente kwaye i-finance efumaneka ngokulula ngaphandle kokukhuselwa okwaneleyo.
Ngoko, ukuthetha ngokuhlukileyo, kwakulula kakhulu ukuthenga nokuxhasa imali, ngoko ke wonke umntu wayefuna ukuba "kumdlalo." Ukuqhawula kwakuyi shishini elikhulu, kwaye amaxabiso ayekhuphuka ngokukhawuleza unokwenza imali ngaphandle kokwenene utyalo-mali. Ngoko ke, abantu babekhukhula kwiimarike bezama iifutshane zexeshana, kwaye ekugqibeleni bonke beza ekhaya beza.
Iindaba ezilungileyo kubatyalomali bezindlu zangoku kwangoku kukuba kukho imfuno enkulu yezindlu zokuqashisa, kwaye ukunikezela akugcini. Kodwa, kwimakethi yamahhala, izinto zivame ukulungelelanisa ukulinganisela ukunikezelwa kunye neemfuno. Okwangoku abakhi bazama ukuzakhela ezininzi iintsapho, ubuninzi bezindlu, izakhiwo. Nantsi indlela umtyalo-mali oqeshisayo angajonga ngayo le meko:
Iipropati ziya kukwakhiwa kunye neentente zingadla
Ewe, ukuba abakhi bakha izindlu ngokukhawuleza njengoko banako, baya kunceda ukwandisa ukubonelelwa.
Ngaphandle kwemfuno eqhubekayo, ukubonelela okukhulu kunokumisa ukunyuka kwamaxabiso. Enyanisweni, imbali isitshela ukuba kukho ithuba elihle lokuba kuya kubakho ukukhawuleza kokuphendula, kunye nabakhi abakha indawo ezininzi zokuhlala kunye nokuzalisa imarike.
Kucacile xa ucinga ngako. Iprojekti yeplati ayifuni kwisigqibo sokugqiba kwiiveki ezimbalwa.
Kuthatha okungaphezulu konyaka okanye ngaphezulu ukwenzela ukuba oku kwenzeke. Ngoko ke, kunengqiqo ukuba xa i-marhwebo isondela kwi-saturation yokuba abakhi baya kuba neeprojekthi ezininzi ezakhiwayo, kwaye abo abanakuyeka.
Ukuba unomnye-mali wosapho oqashisayo ekhaya, ngaba ufanele ukhathazeke ngokubeka iipropati ezininzi kwiinkonzo zokuqeshisa? Hayi ncma. Okokuqala, amafulethi awahlali ngamakhaya amakhaya angatshatanga. Umnini-mali ofuna ikhaya uya kuhlala efuna enye, nangona ezinye iindawo zokuhlala ziza kumaxabiso. Okwesibini, kunye neendleko zokubamba imali, xa ikhaya elilodwa lentsapho lihlawula ngokungekho ngaphaya kwezindlu, lugxininisa kwiimeko ezininzi.
Imilinganiselo yasekhaya yasekhaya
Abakhi abakhi banokugxila kwizakhiwo ezininzi zentsapho , kungekudala kuya kuba ne-inventory ephantsi yezindlu zentsapho enye. Kukho ezinye iimarike ezigcina ukunikezelwa kwamakhaya angaphantsi kweentsapho. Isizukulwana saseBomomer asithengisi kwaye sithutha njengakudala xa sondela okanye singena kumhlalaphantsi. Kwabanye, kungenxa yokuba abakwazi ukunciphisa intsapho kunye nabantwana abaqhubeka behlala ekhaya. Isizukulwana seminyaka esiwaka sikhetha ukuhlala nabazali kunani elikhulu kakhulu kunexesha elidlulileyo.
Abaninzi abanamakhaya abanokuba ngaba bathengisa emva ko-2006 banjengoku kwaye bajonga ukuxabisa kwexabiso.
Abaninzi baye benza ixabiso labo behla embikweni kwaye ezinye ziza phambili nangokulingana ngakumbi kunaphambi kokuphazamiseka. Kukho abaninzi abanini bezindlu phantsi kwamanzi, ngoko ke iingcinezelo zinceda ukugcina izinto eziphantsi.
Ukuba usenayo imizi yokuqasha, mhlawumbi ujabulela ukunyuka kwamaxabiso kwiindawo ezininzi zelizwe. Ngaphandle kwemfuno ephakathi, iimpahla eziphantsi zigcina uxinzelelo oluphezulu kumanani asekhaya. Ukuba uhlala ixesha elide, mhlawumbi lixesha lokujonga ukusetyenziswa kwe-1031 Ukutshintshwa kunye nokufakwa kwezinye iipropati ukuba umsebenzi wabo unqabile .
Yintoni eyenzekayo xa abantu beqala ukuthengisa
Ukuba ngokukhawuleza i-holdouts iqale ukubeka uluhlu lwezindlu zabo ezithengiswayo, ngoko ke, kukho, kuya kuba nexabiso lokunciphisa. Ngaphandle kokuba imfuno iqhuma kwakhona. Abatyalomali akufanele batyike imeko ekhoyo okanye utshintsho, njengoko kukho isicwangciso kwiimarike .