UNondyebo weSizwe wamema uluntu ukuba luvakalise izimvo zalo malunga namaphepha amabini engxoxo ngohlaziyo lomhlalaphantsi.
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- Iphepha lokuqala yazisa inkqubo yeembiza ezimbini. Oku kuya kwenza ukuhlengahlengiswa kweminikelo yomhlalaphantsi ibe ziimbiza ezimbini:
- Imbiza enye kufuneka igcinwe kude kube ngumhlala-phantsi (isibini kwisithathu);
- Imbiza yesibini iya kwenza ukuba ufikelelo phambi komhlalaphantsi (isinye kwisithathu).
- Iphepha lesibini ijonge ukuphucula ulawulo kwiingxowa-mali zomhlalaphantsi ngokubanzi, kodwa ngakumbi kwiingxowa-mali ezisambrela zorhwebo.
- Iphepha lokuqala yazisa inkqubo yeembiza ezimbini. Oku kuya kwenza ukuhlengahlengiswa kweminikelo yomhlalaphantsi ibe ziimbiza ezimbini:
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Yongeza iingcebiso zakho, okanye uthethe ngezantsi.
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INGXELO YOMANDLA KAZWELONKE KAZWELONKE
UNondyebo weSizwe namhlanje upapashe amaphepha amabini malunga nezindululo zohlengahlengiso olongezelelekileyo lomhlalaphantsi ukuze uluntu luhlomle. Elokuqala lala maphepha, linomxholo othi 'Ukukhuthaza amakhaya aseMzantsi Afrika ukuba agcine imali eninzi yomhlalaphantsi', silandela isibhengezo samva nje soMphathiswa wezeziMali kwintetho yakhe yeMTBPS kaNovemba ka-2021 (kwaye kulandela izibhengezo zangaphambili kuHlahlo-lwabiwo-mali luka-2021), ngokubhekiselele kokonga imali yekhaya ngokunyusa ulondolozo ngaphambi kokuthatha umhlala-phantsi kunye nokwandisa ukuguquguquka ngokufikelela ngokuyinxenye kwiingxowa-mali zomhlalaphantsi ngokusebenzisa Inkqubo "yeembiza ezimbini".
Urhulumente unovelwano kubunzima abantu abaninzi baseMzantsi Afrika abajongene nabo ngoku ngenxa yobhubhani we-Covid-19 kwaye uzibandakanye nabalawuli kunye nabanye abachaphazelekayo abaphambili ukwenza iindlela zokunceda abathengi. Ngenxa yoko, imilinganiselo yokunqunyanyiswa kwegalelo kunye neholide, kunye nokwandiswa kokufikelela kwii-annuities zokuphila kwenziwe ukuba kube lula ukuthomalalisa ubunzima bamanye amalungu.
Nangona ulondolozo-mali lomhlalaphantsi lufanele ukuba lusetyenziswe kuphela ngenxa yezizathu ezicetyiweyo, ezizezi, ubonelelo lomhlalaphantsi, uRhulumente uyayiqonda into yokuba kunokubakho imfuneko yokuvumela ufikelelo oluthile kwiimali eziqokelelweyo zomhlalaphantsi phambi kokuthatha umhlalaphantsi. Kungenxa yesi sizathu ukuba uNondyebo weSizwe waqaphela, kuHlahlo-lwabiwo-mali lwecandelo lezemali lowama-2021, uqwalaselo lokuvumela ukurhoxiswa okulinganiselweyo kwangaphambi kokuthatha umhlalaphantsi kwiingxowa-mali zomhlalaphantsi phantsi kweemeko ezithile, ukuba oku kukhatshwa kukulondolozwa okunyanzelekileyo.
Isindululo siqwalaselwa ngoku kwiphepha elikhutshelwe uthethwano noluntu (okt.Ukukhuthaza amakhaya aseMzantsi Afrika ukuba agcine imali eninzi yomhlalaphantsi'), kukuqaliswa kwenkqubo yeembiza ezimbini, eza kwenza ukuba kuhlengahlengiswe iminikelo yomhlala-phantsi ibe ziimbiza ezimbini. Enye imbiza kufuneka igcinwe kude kube ngumhlala-phantsi (isibini kwisithathu), ngelixa enye iya kwenza ukufikelela kwangaphambili komhlalaphantsi (isinye kwisithathu). Urhulumente unoluvo lokuba ukugcinwa kweminikelo kufuneka kukhaphe olo hlenga-hlengiso ukuqinisekisa isibonelelo esaneleyo somhlala-phantsi kwaye kuthintelwe intlupheko ebudaleni kunye nokuthembela kurhulumente. Uhlenga-hlengiso olunjalo luya kubandakanya ukukhuselwa kwamalungelo agciniweyo kwingqokelela yemali yomhlalaphantsi eqokelelweyo phambi kweembiza ezimbini ezintsha.
ulwakhiwo lusebenza. Uhlengahlengiso olucetywayo lokulondoloza imali yomhlalaphantsi ibe yimbiza efikelelekayo kunye nembiza yomhlalaphantsi iya kulungisa imeko uninzi lwamalungu eengxowa-mali azifumanisa ekuyo ngenxa yokungabi nalo naluphi na olunye uhlobo lolondolozo lwexeshana elifutshane. Oku kuye kwandiswa ngubhubhani we-Covid-19, okhokelela ekubeni abanye abasebenzi bafumane ilahleko okanye imivuzo ephantsi.
Kukwaqwalaselwa ukuqaliswa kobhaliso oluzenzekelayo (okukhokelela kubhaliso olusisinyanzelo) kwinkqubo yomhlalaphantsi. Ayingabo bonke abaqeshi ababonelela ngenzuzo yomhlalaphantsi kubasebenzi babo. Ngaphandle kokuba aba basebenzi bazibhalisa kwingxowa-mali yomhlalaphantsi, bashiyeka bengenalungiselelo lomhlalaphantsi. IsiHlomelo sephepha sazisa amagqabantshintshi angento enokwenziwa ukuze ekugqibeleni wonke umntu osebenzayo eMzantsi Afrika afakwe kwiskim somhlalaphantsi okanye izibonelelo ezifanayo.
Iphepha lesibini, elinomxholo othi 'Ulawulo lwemali yeambrella' ijonge ukuphucula ulawulo kwiingxowa-mali zomhlalaphantsi ngokubanzi, kodwa ngakumbi kwiingxowa-mali ezisambrela zorhwebo. Okuphambili phakathi koku kukutenxa kwisiqhelo sokuba nama-50% abameli babasebenzi kwingxowa-mali yentengiso.