Kwilizwe lethu i ukuthengwa kwekhaya Ihlala iyinjongo nokuba iimeko zayo azikho mnandi. Imeko yezoqoqosho ithintela abaninzi ekubeni bacinge ngolu khetho. Ngaphaya koko, baya besanda abantu abakhetha ukurenta, beqinisekile ukuba yeyona ndlela ilungileyo.
Ukuba nekhaya lutyalo-mali olukhulu. Kwiindleko zokuthenga kunye ne-mortgage kufuneka songeze imfuneko hlaziya ikhaya ukuba indala, okanye ukuyibona intsha. Ukongeza, kunjalo, kwezinye iindleko ezimiselweyo, ezibandakanya iindleko kwiinkonzo, i-inshurensi yekhaya okanye Irhafu yezindlu ezithengiswayo (IBI).
Yintoni i-IBI?
Irhafu yeReal Estate iqala ukuhlawulwa ngayo Amaxesha ngamaxesha ukusuka kumzuzu ochanekileyo ubhalisa ipropati kwiCandelo loMlawuli Jikelele weCadastre. Ayimeli imali efanayo kuwo wonke ummandla wesizwe, kodwa iyahluka ngokuxhomekeke kuLuntu ngalunye oluZimeleyo.
Isiseko serhafu ye-IBI sinikezelwa yi ixabiso le-cadastral elichazwe yi-Real Estate Cadastre, kwaye sisimbuku sexabiso lomhlaba kunye nesakhiwo. Kubalwa kwayo, ii-coefficients ezenziwe nguMphathiswa wezeMali zisetyenziswa, ezichazwe kuMthetho wezeMali weNdawo, ezi zilandelayo:
- Impahla yasedolophini: phakathi kwe-0.4% kunye ne-1.10%
- Impahla yasemaphandleni: phakathi kwe-0.3% kunye ne-0.9%
- Iimpahla ezikhethekileyo: 0.6%, ezongezelelweyo.
Kukho ezinye iipropathi ezikhululiwe ekuhlawuleni i-IBI, njengoko uya kukwazi ukufunda ngezantsi, kunye nezinye apho intlawulo ye-IBI inokuncitshiswa enkosi uthotho iibhonasi. Izindlu ezikhuselwe ngokusesikweni kwiminyaka emi-3 yokuqala kunye neepropati zasemaphandleni ezizezokopolotyeni bezolimo zihlala zixhamla kwezi bhonasi. Ukongeza, amaBhunga eSixeko angasebenzisa iibhonasi kulawo makhaya abanini bawo iintsapho ezinkulu.
Iipropati ezikhululwe kwi-IBI
Nangona sithe le rhafu ihlawuliswa kuyo yonke indawo yasezidolophini, yasemaphandleni kunye neyodwa eneempawu ezithengiswayo kunye namalungelo epropathi, amalungelo okwenene, amalungelo omhlaba okanye iimvume zolawulo phezu kwabo okanye iinkonzo zoluntu abazinikezelayo, Kukho inani lezinto ezishiyiweyo:
- Izakhiwo zithathwa njengepropathi kaRhulumente, nokuba kwinqanaba likazwelonke, uLuntu oluZimeleyo okanye kwinqanaba lengingqi.
- Izakhiwo zeDiplomatic ezifana, umzekelo, abameli bamanye amazwe eSpain.
- Ipropati kunye nezakhiwo zeCawa yamaKatolika.
- Iipropati zemibutho efana ne-Red Cross.
- Izakhiwo ezinxulumene nenethiwekhi kaloliwe yaseSpain.
- Izakhiwo zeLifa leSizwe ezifana nezindlu zoonongendi, iimyuziyam, izakhiwo zembali, njl.
Ubhatala kanjani?
Kukho iindlela ezahlukeneyo zokwenza intlawulo. Ungaya ngokwakho kwi-ofisi yengqokelela yeBhunga lesiXeko ledolophu apho ipropati ikhoyo ngexesha elibekiweyo. Noko ke, asiyiyo eyona ndlela idumileyo namhlanje. Into eqhelekileyo kukubheja idebit ngqo ebhankini, apho, ngaphezu kokufumana iibhonasi, intlawulo ngezavenge inokuvunyelwa.
Umasipala ngamnye uthatha isigqibo sexesha lentlawulo ye-IBI. Oku kufuna, ukuba le rhafu ayilawulwa, ukuba iqaphele izaziso okanye izaziso ezivela kwibhunga ledolophu ukuze umhla wokugqibela ungaphoswa. Kukho izohlwayo zokuhlawula emva kwexesha, intlawulo eyongeziweyo inokunyuka ukuya kuthi ga kwi-20% yesabelo se-IBI esihambelana nawe.
Ngaba ucinga ngokuthenga indlu okanye indlu? Khumbula ukuba ngokukhawuleza xa uyifumana uya kuba nesibophelelo sokubhalisa kwi-General Directorate yeCadastre kwaye uhlawule i-IBI. Ukuba unexhala lokuba yimalini ekuya kufuneka uyihlawule okanye ukhetha ukuyazi elo nani kwangaphambili ukuze uphephe izinto ezothusayo kamva, unokulijonga kwiHolo yeDolophu okanye ubuze abanini-ndawo ukuba alisetyenzisiwe kusini na.