Njengoba izindlu zakwamanye amazwe ziqhubeka nokuheha abatshalizimali bomhlaba wonke, abantu abaningi bathenga izindlu kwamanye amazwe ukuze bahlukanise izimpahla, imfundo yabantwana, noma ukuhlela umhlalaphansi. Ngenkathi abathengi bevame ukugxila emananini ezindlu nasezindaweni, abaningi bayayishaya indiva intela nezimali ezahlukahlukene ezihilelekile enkambisweni yokuthenga. Eqinisweni, izwe ngalinye linohlelo lwalo lwentela, futhi izindleko zingase ziphakame ngesikhathi sokuthenga, ubunikazi, kanye nokuthengisa kabusha. Ukuqonda lezi zintela kusengaphambili kungasiza abathengi ukuthi bahlele isabelomali sabo ngempumelelo futhi bagweme izindleko ezingalindelekile.
Yiziphi Izintela Ezikhokhwayo Lapho Uthenga Impahla Yaphesheya?
Ukuthenga impahla yaphesheya kuhilela okungaphezu nje kokukhokha intengo yokuthenga. Emazweni amaningi, abathengi kudingeka bakhokhe intela eminingana kanye nezimali ezihlobene nokuthengiselana ngaphambi kokuba kuqedwe ukuthenga. Nakuba amazinga entela ehluka ngezwe, izigaba ezinkulu ngokuvamile ziyafana.
Isigaba sokuthenga sivame ukufaka izindleko ezilandelayo:
- Intela yesitembu noma yokudluliselwa kwempahla, evame ukubalwa njengephesenti lentengo yokuthenga noma inani lempahla;
- Intela yokuthengiselana ngezindlu, enamanani nezindlela zokubala ezihlukahluka ngezwe nesifunda;
- Izimali zomthetho, zokubhalisa nge-notarization, kanye nezindleko zokubhalisa impahla ezihlobene nenqubo yokuthengiselana;
- Izimali ezengeziwe noma intela yabathengi bakwamanye amazwe ebekwa emazweni athile.
Ngaphandle kwentengo yokuthenga, lezi zintela kanye nezimali zakha ingxenye ebalulekile yezindleko zokuthenga eziphelele. Ukuziqonda kusengaphambili kuvumela abathengi ukuthi balungiselele izimali ezanele futhi baqhathanise amathuba okutshala imali emazweni ahlukene ngokunembe kakhudlwana.
Yiziphi Izintela Ezidingekayo Ngesikhathi Sobunikazi Bendawo?
Ukuthenga indawo kumane kuyisiqalo. Ngesikhathi sobunikazi, amazwe amaningi ayaqhubeka nokukhokhisa intela yonyaka noma ezinye izindleko eziphindaphindayo. Nakuba lezi zindleko zisakazwa ngokuhamba kwesikhathi, zingaba nomthelela omkhulu ezindlekweni zokutshalwa kwezimali zesikhathi eside.
Ngesikhathi sobunikazi, abatshalizimali ngokuvamile kufanele balindele izindleko ezilandelayo:
- Intela yempahla yonyaka esekelwe enanini elilinganisiwe noma imithethonqubo kahulumeni wendawo;
- Intela kamasipala noma yendawo esekela ingqalasizinda yomphakathi kanye nezinsizakalo zomphakathi;
- Izintela ezengeziwe ezifana nentela yomhlaba noma intela yezikhala emazweni athile.
Izindleko zokubamba isikhathi eside zithinta ngqo inzuzo yokutshalwa kwezimali kwempahla kwamanye amazwe. Lezi zindleko eziqhubekayo kufanele zifakwe njalo lapho kuhlolwa ukusebenza kwezezimali kwempahla isikhathi eside.
Yiziphi Izintela Ezisebenzayo Uma Uqasha Indlu Yaphesheya?
Abanikazi bezindawo abaningi baphesheya bakhetha ukuqasha izindawo zabo ukuze bathole imali engenayo ezinzile. Kodwa-ke, imali engenayo yokuqasha ngokuvamile ikhokhiswa intela, futhi izidingo zentela zabanikazi bezindawo zangaphandle zingase zihluke kwezabahlali bendawo.
Uma kuqashwa impahla kwamanye amazwe, abatshalizimali kufanele baqaphele okulandelayo:
- Imali engenayo yokuqasha ngokuvamile ikhokhiswa intela yengeniso yomuntu siqu noma intela yengeniso yokuqasha;
- Amanye amazwe avumela ukuncishiswa kwemali yokuphathwa kwempahla, izindleko zokulungisa, kanye nenzalo yendlu;
- Abanikazi bamazwe angaphandle bangadingeka ukuthi bafake amafomu entela aminyaka yonke ngokuhambisana nemithetho yendawo;
- Izivumelwano zokukhokhisa intela kabili zingasiza ekuvimbeleni ukuthi imali engenayo efanayo ingakhokhiswa intela kabili;
- Abatshalizimali abasebenzisa izinkampani zokuphatha impahla zobungcweti kufanele baqonde nezibopho zentela ezihlobene.
Ukuqonda okucacile ngentela yokuqasha kusiza abatshalizimali ukuthi balinganisele imbuyiselo yabo yangempela yokuqasha ngokunembe kakhudlwana ngenkathi kunciphisa izingozi ezingaba khona zokuthobela imithetho yentela.
Yiziphi Izintela Ezihilelekile Lapho Kuthengiswa Impahla Yaphesheya?
Ukuthengisa impahla yaphesheya kungase kuhilele nezintela nezimali eziningana. Emazweni amaningi, inzuzo etholakala ngokwandiswa kwempahla iyakhokhiswa intela, okwenza kube kubalulekile ukuqonda izibopho zentela ngaphambi kokuhlela isu lokuphuma.
Uma bethengisa impahla, abatshalizimali kufanele banake okulandelayo:
- Intela yenzuzo yenhloko ingasebenza enzuzweni etholwe ngokwanda kwempahla;
- Izindleko zokuthengiselana zingafaka phakathi izimali zokudlulisa, izindleko zomthetho, kanye nezindleko zokuphatha;
- Amanye amazwe alungisa amazinga entela ngokwesikhathi sokugcinwa kwempahla.
Intela etholakala ngesikhathi senqubo yokuthengisa kabusha ithinta ngqo imbuyiselo yokutshalwa kwezimali iyonke. Ukuhlela kahle isikhathi sobunikazi kanye nesikhathi sokuthengisa kungasiza ekukhuliseni inzuzo yesikhathi eside.
Ungazinciphisa Kanjani Izindleko Zentela Yempahla Yaphesheya?
Ukutshalwa kwezimali kwempahla kwamanye amazwe okuphumelelayo kudinga okungaphezu kokukhetha impahla efanele. Ukuhlela intela okuphumelelayo kunganciphisa kakhulu izindleko zobunikazi futhi kuthuthukise ukusebenza kokutshalwa kwezimali kwesikhathi eside.
Ukuze uphathe kangcono izindleko zentela, cabangela izincomo ezilandelayo:
- Funda imithetho yentela yakamuva ezweni oliqondile ngaphambi kokuthenga;
- Xhumana nabameli bendawo, ababhali bezimali, noma abeluleki bezentela ukuze uthuthukise isu lokutshala imali elifanele;
- Gcina amarekhodi aphelele ezinkontileka zokuthenga, amarisidi entela, kanye nezindleko ezihlobene;
- Khetha isakhiwo sobunikazi esivumelana nezinhloso zakho zokutshalwa kwezimali zesikhathi eside.
Ukuhlela intela ngendlela efanele akusizi nje kuphela ukunciphisa izindleko ezingadingekile kodwa futhi kuthuthukisa ukusebenza kahle kokutshalwa kwezimali futhi kusekela ukukhula kwempahla okuzinzile isikhathi eside.
Ukuthenga impahla yaphesheya kwezilwandle kungafaka intela yokuthenga, intela yempahla yonyaka, intela yengeniso yokuqasha, kanye nentela yenzuzo yenhloko-dolobha, kanti imithethonqubo ihlukahluka kakhulu kuye ngamazwe. Ukuqonda lezi zidingo zentela kusengaphambili kunganciphisa izingozi zokutshalwa kwezimali futhi kuthuthukise ukuhlela kwezezimali. Kulabo abanentshisekelo ezimakethe zomhlaba wonke zezindlu, imithethonqubo yezindlu zaphesheya kwezilwandle, kanye namathuba okutshalwa kwezimali emhlabeni jikelele, iShanghai Formote Exhibition kanye neMiboniso yezindlu ehlobene nayo inikeza amathuba amahle okuxhumana nochwepheshe bemboni nokuthola ukuqonda okubalulekile kwemakethe.
