Amaphepha okubuyisela irhafu xa kuthengwa indlu

Intlawulo iyanciphisa kakhulu imali engenayo. Ngendlela, ummi kufuneka ahlawule irhafu kwilizwe ukusuka kuyo nayiphi na intsebenzo eyamvumela ukuba enze inzuzo kwaye ngokubanzi nayiphi na imali. Nangona kunjalo, urhulumente wenza konke okusemandleni ukunciphisa inani elihlawulwa kumntu ngamnye. Enye yeenzame zokutshintsha irhafu yisigqibo esisemthethweni esamkelwa ngo-2001 kwaye sigxininise kuMgaqo weRhafu weRussia Federation. Ezi zibizwa ngokuba zihluthwayo. Ngendlela, bonke abemi abahlala kwintsimi yelizwe kunye nokuhlawula irhafu rhoqo bangasebenzisa eli lungelo. Ukuchithwa kusemgangathweni kwaye kuyimfuneko. Ezona zixhaphakileyo zincinci kubantwana. Okokuthi, abantu abazali bomntwana omnye okanye abantwana abaningana abanakho ukuhlawula irhafu eninzi kwilizwe njengabo bantu abangenabantwana.

Kodwa ukuncitshiswa kwepropati yintlawulo yokuhlawula irhafu ehlawulwayo xa kuthengwa okanye kuthengisa indlu okanye indlu. Olu hlobo lwenzuzo lunokunceda wonke umnikazi, kodwa kanye kuphela ngexesha lokuphila. Yaye ukuba yonke into elula ngokuchithwa okuqhelekileyo, kukho izinto ezininzi ezibalulekileyo ekunikezeni izihlomelo zepropati, esiza kuthetha ngazo ngezantsi.

Inyaniso kukuba ukuze ufumane ezi zihlomelo, kufuneka unikezele ngenkonzo yerhafu ngamaphepha okubuyisela irhafu xa uthengisa indlu. Yaye le ipakethe epheleleyo equka: isivumelwano sokuthengiswa kwezindlu (ikopi yesivumelwano esiqhotyoshelweyo kwisicelo), isatifikethi sokuqinisekisa ukuthengwa kwepropati, kunye nokubhaliswa kwepropati, isatifikethi ohlawule irhafu kunye nenani lentela, kwaye Kwakhona naluphi na ubungqina bokuba uqobo uhlawule imali kule ndlu okanye indlu. Oku kunokukhangela isheke, irisidi, irisidi evela kumntu owayengumnikazi othengisa indlu. Kwakhona, kufuneka uthathe isatifikethi kwiSebe lezemali apho usebenza khona. Eli xwebhu kufuneka liqinisekise ukuba uhlawula rhoqo irhafu yentlawulo.

Ngendlela, emva kokuba iphakheji leempepha liqokelelwe, kufuneka unike ingxelo kwingxelo yerhafu kwaye ubhale isicelo sokubuyiselwa kwemali ehlawulwa ngokugqithisileyo. Ifom yale xwebhu, kunye nomzekelo wokuzalisa, iya kunikwa kwindawo. Kulo phepha qha ga mshelana nolwazi oluqokelelwe nguwe, emva koko iimeko zokubuya ziya kuqwalaselwa. Kwiinyanga ezintandathu uya kuhlawulwa le ncitshiswa.

Umba ophikisanayo nendlela yokukhupha irhafu yengeniso xa kuthengwa isakhiwo somhlaba. Inyaniso kukuba kulo mzekelo, ukuncitshiswa kokuthengwa ngokwawo akukwenziwa, njengoko kunjalo kwindlu okanye indlu. Nangona kunjalo, ukuba uthenge umhlaba, unethuba lokubuyisela irhafu yengeniso. Ukwenza oku, kufuneka unikeze yonke inkcazelo ebalulekileyo ukuba ungumhlawuli werhafu ovumelekileyo iminyaka emininzi, kunye nokulungiselela amaxwebhu eqinisekisa ubungqina beentengiso zomhlaba, ukubhaliswa kwepropati nobungqina obakhokhele imali-mali kumnini wangaphambili umnikazi womhlaba . Yonke le nto uyizisa kwinkonzo yerhafu, bhala isicelo, ifom apho uya kunikelwa khona ndawo, kunye namaxwebhu aqokelelwe kwangaphambili, unamathele kweli phepha.

Ngendlela, ukuba unabantwana, imeko yatshintsha ngandlela-thile. Iimpepha zokubuyiselwa kwentela xa kuthengwa indlu iya kuquka isiqinisekiso sokuzalwa kwabantwana abangaphantsi kwesininzi. Emva koko umlinganiselo wokunciphisa uya kuba phezulu kunokuba wena wedwa. Nangona kunjalo, oku kunokwenzeka kuphela ukuba umntwana ungumnikazi wale ndawo kwaye akafikelelekanga 18. Emva kwe-18, unokufaka ifayile yokubuyisela irhafu xa kuthengwa indlu, kwaye ufumana imali. Nangona kunjalo, oku kuya kuthetha ukuba sele esetyenzisileyo ilungelo lokutsalwa komdla, akakwazi ukwenza okunye.

Yintoni enye ebalulekileyo kule nkqubo? Khumbula: imibhalo yokubuyiselwa kwentela xa kuthengwa indlu kufuneka ifakwe ngaphandle kwe-2-2,5 kwiminyaka emva kokuthengwa kwentengiso. Ngokukhawuleza ukuba ixesha lokuba ungumnikazi welifa lifika kwiminyaka emithathu, ulahlekelwa ngokuzenzekelayo ilungelo lokubuyiselwa kweerhafu kule ndawo yokuhlala. Nangona kunjalo, xa uthengela olandelayo, unokusebenzisa kwakhona eli lungelo.