yenza imali-mboleko yendlu yakho ifeze amaphupho akho

i bhukwana lezilulekozokwakha

Ibhukwana lezIlulekozokwakha

Yenza imali-mboleko yendlu yakho ifeze amaphupho akho

Siyakubongela!

Manje usuthole imali-mboleko yendlu evela kwinkampani yezimali yendawo yangakini.

Ukuthuthukisa noma ukwakha indlu yakho ngenye yezinto sonke esivame ukuzenza nokufaka kakhulu imali kuzo.

Kodwa uma singaqapheli, singenza amaphutha agcina esibiza kakhulu, ngokuthi singahleli kahle, noma ngokukhetha

izinto zokwakha ezingafanele ezibiza kakhulu noma sisebenzise izinto zokwakha ezingalungile.

I-Rural Housing Loan Fund ifuna ukuthi uthole okuningi ngemali-mboleko yendlu yakho nokuthi ugweme amaphutha

angakubiza kakhulu. Sibhale lencwadi yencazelo ukukunika imibono neziluleko ngokuthi ungayithuthukisa kanjani

noma ungayakha kanjani indlu yakho.

Inhloso enkulu ye-RhlFI-Rural Housing Loan Fund (RHLF) yenza ukuthi imindeni yabantu abahola kancane bakwazi ukuthola imali-mboleko

yezindlu, ngendlela eqhubekela phambili, ukuze kutholakale izixazululo zokwakha nokuthuthukisa amakhaya aboezindaweni zasemakhaya.

Inhloso enkulu ye-RhlFI-RHLF ifuna ukusiza abantu abasezindaweni ezisemakhaya ukuba babe nezindlu ezingcono nokuthi baphucule

izimpilo zabo ngokuthola usizo lwezimali ezinkampanini ezibolekisa ngemali ezindaweni abahlala kuzo.

ISBN 0-620-24602-2

ukuzikhipha ecaleni (Disclaimer)

I-Rural Housing Loan Fund (RHLF) yenze yonke imizamo yokuqinisekisa ukuthi izeluleko ezinikezayo kuleli bhukwanangeziphelele, ngezeqophelo eliphezulu kanye nokuba ngeziqondene ngqo. Kodwa, njengoba leli Bhukwana

lizosetshenziswa ngaphansi kwezimo ezikude nolawulo neso le-RHLF, ngeke yemukela ukuthwala emahlombe ayo,ukulahlekelwa kwabantu, kanye nokulimalelwa kwabantu okungahle kwenzeke.

© I-Rural Housing Loan Fund, 1999, 2004, 2016.

Onke amalungelo agodliwe. Akekho ovunyelwe ukuthi akhiqize leli bhukwana, enze amakhophi, noma alishicelelengandlela thize, ngaphandle kokuthola imvume yabenhlangano be-Rural Housing Loan Fund, ngaphandle kokulandele

lemibandela ebekwe ngezansi.

Leli bhuku linabanikazi balo ngokomthetho (copyright), kodwa lingakhiqizwa nganoma yiyiphi indlela ngaphandle kokukhokha, noma ngaphandle kwemvume enikezwa ngaphambilini, kumaklayenti ezinhlangano zababolekisi abanamagunya

(retail lending organisations), kanye nezinhlangano eziqondene nezentuthuko ezindaweni zasemakhaya (rural development organisations) kodwa kumele bachaze ukuthi ulwazi baluthole kuleli bhukwana. Ngeke lakhiqizelwa intengiso.

Isigaba 1: ukubaluleka kokuhlela izindleko . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1

Izigaba zokubhala uhlelo lwezindleko . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2

Isigaba 2: ukusebenzisa imali-mboleko . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Ngingenzani ngemali-mboleko yami? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Ngingazuza kanjani okuningi ngemali-mboleko yami? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Ukuhlela ikhaya lami elisha . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Yini engidinga ukuyithenga? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11

Zizobiza malini zonke izinto? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13

Ukuthenga izimpahla zami zokwakha . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14

Ukugcina izimpahla zami zokwakha . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14

Isigaba 3: ukuthola umakhi ofanele . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16

Okumele ukubheke kumakhi . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17

Amaphuzu okumele uwabhunge nomakhi nezinto okumele nivumelane ngazo . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17

Ukukhokhela umakhi . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18

Isivumelwano sokwakha . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19

Isigaba 4: ukugwema izinkinga zokwakha ezijwayelekile . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20

Izindawo lapho okungavuka khona izinkinga zokwakha . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21

Umsebenzi wesitini . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22

Ukuhlanganisa usimende . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22

Izicabha namafasitela . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23

Ukufulela . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25

Ukufaka amapayipi nogesi . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25

Ezinye izindlela zophahla kunokufakela ubhestas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25

I-appendix: ngingaluthola kuphi usizo? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .28

okuqukethwe

ofuna ukukubhala

1

isigaba

1ukubaluleka kokuhlelaizindleko

Uma umuntu ecabanga ukufuna imali ebolekisayo ngesizathu esithile,kubalulekile ukuthi aqale acabange amandla okukhokha angase abe nawo

ukuze angafaki umndeni wakhe enkingeni yemali.

ukubaluleka kokuhlela izindleko

Uma umuntu ecabanga ukufuna imali ebolekisayo ngesizathu esithile, kubalulekile ukuthi aqale

acabange amandla okukhokha angase abe nawo ukuze angafaki umndeni wakhe enkingeni yemali.

Ikhaya kumele futhi ngaso sonke isikhathi lizihlinzekele ngemali yezindleko eziphuthumayo (njengezindleko

zikadokotela) okusho ukuthi ingxenye yeholo lomndeni malongiwe.

Okubalulekile uma uhlela izindleko yilokhu:

Uma iholo lakho lenyanga lingaphezu kwenani lonke lezindleko zenyanga, kusho ukuthi uphila ngezingalakho. Kodwa futhi kumele wongele isikhathi esinzima esingasesifike – njengezinto ungalindele. Kuhleukuthi ikhaya longele izindleko ezivela ungalindele. Uma ikhaya elinjena lidinga ukuboleka imali nanomaingasiphi isidingo njengokunweba indlu, kubalula ukuthola imali ebolekisayo.

Kodwa uma ikhaya noma isamba sezindleko zenyanga zomuntu zingaphezu kweholo lenyanga (iholoagoduka nalo), lowo muntu uphila ngaphezu kwezinga lakhe. Lokhu yisimo esingathandeki. Ikhaya elikulesisimo alikwazi ukongela izinto eziphuthumayo noma alinakuphumelela ukuphila kahle.

Abantu abaningi, ikakhulu labo abasemazingeni aphansi amaholo, abasiqondi isidingo sokuhlela izindlekozenyanga bazigcine. Ezikhathini eziningi, abantu abakaze babone noma bafune ukwenza uhlelo lwezindleko.Kulesi sigaba, sifuna ukukusiza ukwakha uhlelo olulula lwezindleko zomndeni noma zomuntu ngamunye.Inhloso ukuqiniseka ukuthi wena wazi kuthi iholo lakho lihamba lifikephi nokuthi ulandelanisa kanjaniukubaluleka kwezindleko zomndeni wakho.

IBhodi Yamasevisi Emali inencwajana eyinkomba yokusetshenziswa kwemali ebizwa ngokuthi “Sebenzisa Imali Yakho ngobuhlakani”. Le ncwajana inikeza inkomba yokwakha uhlelo lwezindleko zomuntu nomaumndeni. Izigaba ezilandelayo zithathelwe kulombhalo.

Isigaba sokuqala ekwakheni uhlelo lwezindleko ukwenza uhla lwezindleko ezimqoka. Izindleko ezimqokayilezo umuntu noma umndeni okumele uzikhokhe ngokujwayelekile zinyanga zonke futhi zivamise ukufana.

Isibonelo sezindleko ezimqoka yirent, umshwalense, imali yesikole, nokunye. Emva kwalokho, uhlanganisezonke izindleko ezimqoka uthole isamba.

Izigaba zokubhala uhlelo lwezindleko

Izigaba 1: Yenza uhla lwezindleko ezibaluleke kakhulu

• Iholo lenyanga noma iholo ogoduka nalo• Izindleko zenyanga.

2

Manje njengoba usunezindleko ezimqoka nezindleko ezishintshayo, zihlanganise ndawonye bese ubhala

isamba sonke (R 2450 + R 3420= R5 870 esibonelweni sethu).

Isigaba 3: ukuhlanganisa isamba sezindleko

Bhala phansi uhla lwesamba seholo lakho lwenyanga (R 6700 isibonelo sethu). Leli inani okumele

ulisebenzise ngenyanga isikhishiwe intela kahulumeni (after-tax income).

Isigaba 4: bhala phansi isamba seholo

Isibonelo

Izindleko ezishintshayo:

Ugesi/ amanzi

Ama-amakhawunti

Igrosa

Uthelefoni

Uphethiloli

Ukuzijabulisa

Imithi kadokotela

Okunye

Isamba sezindleko ezishintshayo

Izindleko zakho ezishintshayo:

R400

R450

R1000

R240

R300

R400

R180

R450

R3 420

Bhala zonke izindleko ezishintshayo. Izindleko ezishintshayo ziguquka nyanga zonke. Izibonelo zalokhu ugesi,

igrosa, ukukhokhela ama-amakhawunti nokunye. Khumbula ukuthi kukhona izindleko ezivela ungalindele futhi

kumele uzilungiselele ngokuhlanganisa inani okuthiwa okunye. Hlanganisa inani bese ubhala isamba.

Isigaba 2: ukubhala uhla lwezindleko ezishintshayo

Isibonelo

Izindleko ezimqoka:

Irent

Umshwalense

Imali yesikole

Ukukhokhela imoto

Isamba sezindleko ezimqoka

R800

R300

R450

R900

R2 450

Izindleko zakho ezimqoka:

Okokugcina, kumele ususe inani elincane kwelikhulu – uma ngabe izidleko zinkulu, ususebenzise imali

eningi kunaleyo onayo. Lesi isimo esingathandeki emndenini. Uma umholo wakho umukhulu, uzoba nemali

esele – okusho ukuthi usebenzise imali engaphansi kwaleyo onayo, uphinde futhi ubenayo imali esele

ongayonga (R 6700- R 5870 = R 830 esibonelweni sethu). Umqondo omuhle kungaba ukwenza uhlelo

lokonga inani elizolondolozwa njalonjalo.

Isigaba 5: ukuthola ukuthi usebenzisa imali engaphezu noma engaphansi kwaleyo oyiholayo

3

Ngaphambi kokuthi uboleke imali, cabanga ngezindleko ongase ubenazo maduzane.

Lezi zindleko kungaba:

Yize umndeni wakwaZwane usalelwa ngu R830 ngenyanga, okuyimali abangase bafise ukuyisebenzisa

ekukhokheleni imali-mboleko yabo, bangase bazithole besenkingeni uma izindleko eziphuthumayo ezibalwe

ngenhla zibehlekela. Yonke imindeni noma abantu abafisa ukuboleka imali kumele bacabangisise kahle

ngezindleko ezingase zibenze bangakwazi ukukhokhela imali-mboleko yabo.

Izindleko ezingase zivele

Isibonelo

Izindleko zakwazwane Izindleko zakho

amanani angashintshi:

Irent

Umshwalence

Imali yesikole

Imali yemoto

Isamba

amanani ashintshayo:

Ugesi/amanzi

Ama-akhawunti

Ukudla

Ifoni

Upetrol nokulungiswa kwemoto

Ukuzijabulisa

Imithi kadokotela

Okunye

Isamba semali eshintshayo

Isamba sakho konke

Isamba somholo

uma ususa isamba sonke

Imali esele

R800

R300

R450

R900

R2 450

R400

R450

R1000

R240

R300

R400

R180

R450

R3 420

R5 870

R6 700

R5 870

R830

• Umntwana ozozalwa emndenini.• Umntwana ozoya ekolishi noma enyuvesi ngonyaka olandelayo.

4

5

ukusebenzisa imali mboleko

section

2Ukuthola inzuzo eningi ngemali oyibolekile, hlela ngokunakekela ungakaqali

ukwakha ikhaya lakho.

6

ukusebenzisa imali-mboleko

Noma isikweletu sakho singabasincane, kumele ucabange ukuthi ungazuza kakhulu kangakanani ngemali

yakho (isikweletu) nemali oyongile, amandla akho nemali osazoyiboleka. Ukwenza lokhu, kumele uqaphele

okulandelayo:

ngizuza kanjani okuningi ngemali-mboleko yami?

Yenza uhla lwezidingo zakho zonke, bese unquma ezibaluleke kakhulu. Noma lokhu kungabukeka kunzima,

khumbula ukuthi emva kokukhokha lesi sikweletu, ungasithola esinye.

hlela ukubaluleka kwezidingo zakho

Siyakuhalalisela! Unesikweletu esisha. Ziningi izindlela zokusebenzisa isikweletu sakho.

Ungase:

ngingenzani ngemali-mboleko yami?

• Wakhe uthango luzungeze ikhaya lakho• Ungafaka u gesi, u vune namanzi emvula• Wenze ngcono indlu yakho• Wandise indlu yakho• Wakhe indlu entsha• Wandise ikhaya lakho wenzela ibhizinisi lakho• Wakhe indlu yangasese ekhaya lakho noma endaweni yakho• Wakhe ithangi lokugcina amanzi emvula, noma uthenge amaphanela elanga wenzela ugesi

Ukuthola inzuzo eningi ngemali oyibolekile, hlela ngokunakekela ungakaqali ukwakha ikhaya lakho.

Lesi sigaba sihlanganisa:

• Ngingenzani ngemali-mboleko yami?• Ngizuza kanjani okuningi ngemali-mboleko yami?• Ukuhlela ikhaya lami elisha.• Yini engidinga ukuyithenga?• Zizobiza malini zonke izinto?• Ukuthenga izimpahla zami zokwakha• Ukugcina izimpahla zami zokwakha

Unayo yini imali oyongile ongayisebenzisa? Likhona yini ilungu lomndeni elingakusiza mayelana nokwakha?

Ungakwazi yini ukuzipendela? Ungaluthola uxhaso lukahulumeni mayelana nokwakha noma ukuthola isiza

noma amasevisi? Ungazakhela izitini zakho? Ungaphinda futhi usebenzise izinto zokwakha osunazo?

Cabanga ukuthi ungazenzela kanjani ekwakheni

7

Qiniseka ukuthola umakhi onolwazi futhi othembekile oyokwakha ikhaya eleyikhwalithi noma indlu eyandisiwe

(ngemibono yokwenza lokhu, buka isigaba “Ukuthola umakhi ofanele”, page 16).

Bheka umakhi wakho zonke izinsuku ukuqiniseka ukuthi akenzi amaphutha uma akha ikhaya lakho.

khetha umakhi wakho ngokunakekela

Qaphela

1999

2007

2004

ukuhlela ikhaya lami elisha

8

Nguwe uqobo ofanele ukuhlela ukwakhiwa kwekhaya lakho. Kumele uqiniseke ukuthi ikhaya lakho elisha

linelisa izidingo zakho, indawo yakho (isiza) nesamba semali kanye nemali oyongile.

Cabanga ngokulandelayo uma unquma ukuthi uzoyibeka kanjani indlu yakho esizeni sendawo yakho:

Okokuqala: Cabanga ngesimo nobukhulu bendawo yakho, nalapho ofuna ukwakha khona indlu

yakho, noma wandise/ukhulise indlu.

Okwesibili: Cabanga ngengaphakathi le ndlu. Uma uma uzokwandisa, cabanga ngokugudluza izicabha,

amafasitela noma amapayipi amabanga amafushane kakhulu. Ukugudluza noma ukuthenga

lezi zinto kukubiza imali.

Okwesithathu: Dweba isiboniso sepulani ofisa indlu yakho ibukeke ngayo.

(a) ngiyimisa kanjani indlu yami endaweni yami?

Ukushisa nokukhanya: ENingizimu Afrika

ilanga liqhamuka ngaseNyakatho;

ngakho-ke, uhlangothi lwendlu yakho

olubheke ngaseNyakatho luyofudumala

futhi lukhanye kakhudlwana kunohlangothi

olubheke ngaseNingizimu. Uma uhlala

endaweni eshisa kakhulu, ungase uthande

ukuhenqa loluhlangothi lwendlu,

usebenzisa izihlahla, izitshalo noma

wakhe uphahla olululekile ngokugamanxa

ezindongeni. Endaweni epholile, ungafuna

ukufaka amafasitela ohlangothini lwendlu

ukuvumela ukukhanya kungene endlini yakho.

Indawo yokwandisa: Misa ikhaya lakho

ukuze uma umndeni wakho ukhula noma

uma izidingo zakho zishintsha ukwazi uku-

nweba indlu yakho uma kudingeka.

9

Ukuphepha: Ungafisa ukusebenzisa imali oyibolekile ukuthi wakhe uthango noma ubiye indawo yakho

ngodonga, noma ufake izinsimbi zokuthiya izigebengu emafasiteleni endlu yakho noma isango lokuphepha

lensimbi emnyango.

Ukutsheka: Uma isiza sakho sinokwetsheka,

khumbula ukuthi amanzi ayokwehlela endlini

yakho; amanzi angazika ngaphansi kwendlu

adale ukuklayeka. Uma indlu yakho yakhiwe

endaweni eyehlelayo, kumele wakhe uthango

olumqulu kasimende luzungeze yonke indlu

ukuvikela amanzi ukuba angaziki ngaphansi

kwendlu.

Amasevisi: Kuyobalula ukuthola ukuxhuma

amanzi nogesi uma indlu yakho iseduze

nalapho kuphuma khona lamasevisi.

Amasevisi amaningi aqhamuka emgwaqweni

phambi kwendlu yakho.

Izihlahla: Zama ukungagawuli izihlahla esizeni

sakho. Izihlahla nezitshalo kumele zisetsh-

enziswe ngasemzini wakho ukuze zikuvikele

elangeni nasemoyeni futhi zikwenzele ingasese.

Musa ukwakha eduze kakhulu nezihlahla, noma

utshale izihlahla eduze kakhulu kwendlu yakho

ngoba izimpande zingaqhumisa izindonga

nezisekelo zendlu.

Umoya: Ukuvunguza komoya endlini

kuyayipholisa, kepha kungenisa uthuli oluningi.

Uma ufuna ukuvikela ikhaya lakho emoyeni,

yakha uhlangothi oluthanda ukubafushane

lwendlu lubheke umoya futhi utshale izihlahla

ukuvikela indlu emoyeni.

10

Okulandelayo, yenza uhlu lwamakamelo ongathanda ukuthi abesendlini yakho, njengamakamelo okulala,

indlu enkulu, ikhishi, indlu yokugeza, ikamelo lokudla. Nquma ukuthi mangaki amakamelo ongakwazi

ukuwakha kulesi sigaba, kodwa lungiselela amakamelo onke.

Ubukhulu bendlu: Iyobankulu noma ibencane ngokwanele kwenzela umndeni wakho? Ngabe udinga

ikamelo ozolakha ukuba uliqashise ukuze uzuze imali engaphezulu? Noma udinga isikhala sokuqhuba

ibhizinisi elizinze ekhaya?

(b) ngiyihlela kanjani indlu yami?

Uma uzokwakha indlu yakho ngezigaba, qale udwebe

ipulani lendlu yonke, bese ukhetha isigaba ozoqala

ngaso.

11

Qaphela kakhulu ukupulana indlela ofisa ukwakha ngayo ikhishi nendlu yokugeza njengoba lezi zinto

zingamakamelo abiza kakhulu endlini ukwakhiwa. Endlini yokugeza yakho, ubheseni wokugeza izandla

nesitsha sethoyilethi kumele zincike odongeni lapho amapayipi ezoletha amanzi. Noma ngabe awukakabi

nawo amanzi alethwa ngamapayipi endlini yakho manje; lungiselela indlu yakho yokugeza inkathi lapho

usuyoba nabanzi. Ungalifaki ifasitela endaweni efanayo nalapho ofisa ukubeka khona ishawa.

(c) ukudweba ipulani lendlu yami

Ukukhanya: Ngaphezu kokuthi uhlangothi olungaseNyakatho lwendlu yakho luyoshisashisa, cabanga

ngokuthi ilanga lasekuseni nelantambama liyofikaphi endlini yakho. Kumele ubenefasitela

ekameleni ngalinye ukuze kungene umoya nokukhanya.

Uphahla: Kumele ucabange ngokufaka usilingi endlini yakho ukuvikela ukushisa kakhulu kwendlu

yakho noma ukubanda. Ungacela umthengisi wezimpahla zokwakha kwakho ukuba akunikeze

uhlobo locwecwesana olusaphepha (tin foil) ukuze ulukufake ophahleni lwakho ukuvikela

indlu yakho. Uma wakha izindonga ezinohlonze ngaphandle kuyosiza futhi ukuvikela indlu yakho.

Ipulani: Uma usuzinqumile zonke izinto ozifuna ekhaya lakho, kumele udwebe ipulani yendlu entsha

yakho. Kumele ucele umakhi wakho noma omunye umuntu akusize ngalokhu.

Qiniseka ukuthi unalo uhla lwazo zonke izimpahla zokwakha ozozidinga ukwakha indlu yakho. Noma ngabe

uzokwakha ngezigaba kumele uthole uhla lwazo zonke izimpahla zokwakha ozozidinga ukukhombisa

ukuthi yimalini oyoyidinga ngokuzayo. Cela umakhi wakho noma umthengisi wezimpahla zokwakha wakho

akweluleke ngezimpahla ezifanele.

Yini engidinga ukuyithenga?

Uphahla

Izindonga

Izisekelo zendlu naphansi

12

Mayelana nophahla:

Mayelana nezisekelo zendlu naphansi:

• Amashidi okufulela njengamashidi kathayela (ukhethe) noma uthayela

ongesiwona kahle ubhestas (asbestos)

• Amapulangwe

• Uphahla olusazitini

• Ucingo

• Izipikili

• Isihlabathi namatshe (ukhonkolo wamatshe, ukhonkolo wesihlabathi, umsebenzi wesitini

nesihlabathi sokuplastela)

• Usimende

• Uplasitiki ofakwa ngaphansi kukakhonkolo (lokho futhi kuthiwa isivikela-mswakama)

Mayelana nezindonga:

• Izitini/amablokhi kasimende okwakha

• Upulasitikhi wokuvikela umswakama ezindongeni (futhi obizwa ngokuthi “demkosi”)

• Ucingo olulukwe lwabasabhande olufakwa phakathi kwezitini kwenze udonga luqine)

• Amafulemu amafasitela

• Okhiye

• Amalintela

• Amasili amafasitela

• Izitini ezinezimbobo

• Izicabha

• Amagilasi

• Upende

13

Uma ungasebenzisi amapulani amasampula, khombisa umthengisi wezimpahla zokwakha ipulani yakho

ukuba akunike uhla lwazo zonke izimpahla zokwakha ozozidinga.

Uma usebenzisa amapulani amasampula akhona kumboleki wakho othengisayo, uyobona uhlobo lwezimpahla

ezisetshenziswayo ekwakhiweni kwendlu.

Izindleko zokwakha ikhaya lakho ziyohlanganisa:

zizobiza malini zonke izinto?

• Izimpahla zokwakha nezindleko zokudiliva

• Umsebenzi - izindleko zokukhokhela umakhi

• Ukukhokhela ukuxhunywa kwamanzi nogesi

• Kumele ucabange eziye izinto

ezingahlanganiswanga ohleni lwezimpahla

zokwakha

Ukuthi izindleko zakho ozikhokhela ngenyanga ziyohlanganisa ukubuyisela inkokhelo yesikweletu

sakho, amanzi, ugesi nama-akhawunti ocingo.

khumbula

Imali oyongile ongazenzela khonaImali-mboleko

14

Kumele usekele usimende

Ukudiliva izimpahla

Ukucela umthengisi wezimpahla wakho ukukusiza ukubala inani lezimpahla ozidingayo.

khumbula

Uma uthenga izimpahla zokwakha, khumbula ukuthola amanani ahlukene okubiza kwezimpahla ozidingayo

kubathengisi abahlukene. Hlanganisa izindleko zokudiliva izimpahla ukuze uthole isamba esiphelele

sezindleko zezimpahla zokwakha.

ukuthenga izimpahla zami zokwakha

Uma usafuna amanani entengo ezimpahla

ozidingayo, cela abathengisi bezimpahla zokwakha

ukuthi basho ukuthi imalini ukudiliva. Ukuvikela

ukuntshontshwa, izimpahla zokwakha kumele

zidilivwe kuphela uma ukwakha sekuzoqalwa. Uma

ufuna ukubeka noma iziphi izimpahla njalo zigcine

endaweni ephephile lapho zingenakuntshontshwa

khona noma zilinyazwe yilanga, imvula noma umoya.

Ungacabanga ukuthola uthango nesango ukukusiza

ukuphephisa izimpahla.

ukugcina izimpahla zami zokwakha

Gcina izitini nesihlabathi ngalapho okwakhiwa

khona. Kumele izitini zibekwe phezu kwezinye

ngobunono ukuvikela ukuphuka. Lokhu futhi

kuyoqiniseka ukuthi zingawi, zilimaze abantu,

ikakhulu izingane. Isihlabathi singabiyelwa

ngamabhodi, amapulangwe ukuvikela

ukusakazeka phansi okuphetha ngokumoseka.

Izitini/isihlabathi

Usimende kumele uphakanyiswe emhlabathini

futhi umbozwe ngoplastiki. Kumele

uphakanyiswe ngokusebenzisa amaphalethe

akhiwe ngamapulangwe noma kusetshenziswe

izisekelo zezitini. Lokhu kwenzelwa ukuvikela

imvula nomswakama oqinisa usimende.

Landela izinkomba zesikhwama.

usimende

15

Kuhle ukugcina izimpahla zokwakha zingekho

phansi futhi uzimboze ngoplastiki. Ukuvikela

uplastiki ekuphephukeni, kumele izitini zibekwe

phezu kwawo. Uma ingxenye yendlu seyakhiwe

futhi yafulelwa, ungagcina izimpahla njengosi-

mende namafulemu phakathi ukuze zivikeleke

kangcono esimeni sezulu futhi kungabilula

ukuzintshontsha.

Isiphetho

Lokhu kumele kuphakanyiswe phansi

emhlabathini futhi kumbozwe ngoplastiki. Lokhu

futhi ngumqondo omuhle ngezizathu

zokuphepha, ukubophela amafulemu

ndawonye. Thenga amafulemu amahle kakhulu

ongakwazi ukuwathola ukuvikela izinkinga

ezingavela kamuva.

amafulemu amafasitela/ezicabha

amapulangwe/amashidi

Uma kugcinwe esizeni, amapulangwe nenkatha

yamapulangwe (trusses) kumele abekwe

abheke phezulu angalali phansi ukuvikela

amapula gwe ukuthi agoqane aphume

esimweni. Kumele aphakanyiswe phansi

emhlabathini futhi ambozwe ngoplasitiki.

16

ukuthola umakhi okufanele

isigaba

3

16

Qiniseka ukuthi umakhi wakho uthembekile futhi unolwazi lomsebenzi, futhiuyena ongabanamandla okumuqasha.

17

Kumele uthole umakhi ofanele ukwakha umuzi wakho. Udinga umakhi onolwazi lokwakha uhlobo lwezindlu

ezifanayo, umuntu othembekile futhi ongabizi kakhulu.

Lesi sigaba sihlanganisa:

ukuthola umakhi ofanele

• Okumele ukubheke kumakhi

• Amaphuzu okumele uwabhunge nomakhi nezinto okumele nivumelane ngazo

• Ukukhokhela umakhi

• Isivumelwano sokwakha

Waqala niniukwakha izindlu?

Ngicela ungiphe amagamanamadilesi abantu

osewake wabakhela ukuzengizibonele ngawami imizi

owabakhela yona?

Wake walwakha uhlobolwendlu engiyifunayo?

Unawo amathuluziokwakha indlu yami?

Izinto eziyodinga ukuhlanganiswa: khombisa umakhi amapulani akho futhi ubhunge izinto ofuna umakhi azenze,

uze ufinyelele emininingwaneni emincane njengokuplastela, ukupenda, ukufakela amagilasi emafasiteleni nokunye.

okumele ukubheke kumakhi

amaphuzu okumele uwabhunge nomakhi nezinto okumele nivumelane ngazo

• Uma uhamba uyobheka izindlu ezakhiwe umakhi ngaphambilini, thatha uhla lwamaphutha okwakha

ajwayelekile esigabeni okuthiwa “ukugwema izinkinga zokwakha ezijwayelekile” (ikhasi 20),

ubheke uma ungase ubone amanye awo ezindlini.

• Uma umuntu othile encome umakhi, mbuze ukuthi yena wake wabanezinkinga nalowo makhi.

Buza uma umakhi wazilungisa izinto ezonakala endlini emva kokuba bangene endlini.

• Kumele uthole amanani ezindleko (quotes) kubakhi abahlukene. Waqhathanise bese ubona obiza

phansi kakhulu nomakhi owenza umsebenzi omuhle kakhulu.

18

• Inkokhelo: buza umakhi ukuthi umsebenzi wonke uyobiza malini nokuthi uyofuna ukukhokhelwa nini.

• Ubude besikhathi: umsebenzi wonke uyothatha isikhathi eside kangakanani ukwenziwa nokuthi

uyoqedwa ngaluphi usuku?

• Izinkinga namaphutha: uma kunamaphutha abonakala usungene endlini yakho, ngabe umakhi

uyobuya azowalungisa kamuva?

• Ukuxhumana nomakhi: Umakhi angakwazi ukuqala nini umsebenzi futhi ungaxhumana naye kanjani?

• Amakhono okwakha: ngabe umakhi angayenza yonke imisebenzi ofuna ayenze, njengokwakha udonga,

ukufaka usinki noma axhume izintambo zikagesi?

Yibanokuzisola izinkontileka ezivele zifune ideposit enkulu. Abantu abaningi balahlekelwa yimali

ngoba izinkontileka ezakhayo zinyamalala namadeposit abo.

khumbula

khumbula

Mhlawumbe ngeke ukwazi ukufeza zonke izindleko ngemali eyodwa oyibolekile. Umakhi angenzani

ngemali ebolekiwe kuhlangene nemali oyongile?

Kumele amapulani akhonjiswe umakhi. Vumelanani ukuthi mangaki amakamelo owafunayo nokuthi

kumele abemakhulu kangakanani. Okubhalwe epulanini kumele kube uhla lwezinto ozifuna ekamelweni

ngalinye, njengegiza, osilingi, izindawo zikagesi, ompompi, izicabha, amafasitela, ukwenza phansi nokunye.

Ngaphambi kokuthi ukhokhele umakhi imali ethile,

thola kuye imininingwane elandelayo:

ukukhokhela umakhi

• Inombolo yeID yakhe.

• Igama lakhe eliphelele (hlola lokhu kwiID yakhe).

• Inombolo yocingo lwakhe nekheli.

Ungalokothi uvele ukhokhele umakhi isamba esikhulu

semali. Baningi abantu asebentshontshelwe izimali

zabo ngabakhi abangathembekile. Abaningi abakhokha

ideposit bagcina bengazange bambone futhi umakhi.

Funa irisidi kumakhi nanoma imalini omkhokhela yona.

Irisidi kumele ibonakalise igama lakho, usuku,

inani lemali, negama lomuntu omkhokhela imali.

Isibonelo serisidi

19

Isivumelwano sokwakha kumele useze nomakhi kungakaqali ukwakhiwa. Kumele nibhunge futhi nivumelane

ngezinto ezisohleni olungezansi. Zama njalo ukubhala phansi zonke izinto enivumelana ngazo.

Isivumelwano sokwakha

Isibonelo sesivumelwano sokwakha

(Lena akusiyo inkontileka yomthetho; wuhlaka lokukusiza ukuze ukhone ukukhulumisana no makhi.)

Inkontileka yokwakha phakathi ku ka:

kukamakhi:_________________________________ nomnikazi:_______________________________

umsebenzi uzoqala mhlaka:___________________uphele mhlaka:__________________________

Uma umsebenzi ungaphelile ngosuku okuvunyelwane ngalo, kuzoba nesehlwayo (penalty)

esilandelayo:

umsebenzi ozokwenziwa:

______________________________________________________________________________________

______________________________________________________________________________________

umakhi ngeke abhekane nokulandelayo:

______________________________________________________________________________________

______________________________________________________________________________________

Izindleko:

Izindleko eziphelele ngu R_________________

Indlela okuzokhokhwa ngayo:

Ukukhokha kokuqala R___________________Usuku lokukhokha_________________________

Ukukhokha kwesibili R___________________Usuku lokukhokha_________________________

Ukukhokha kwesithathu R___________________Usuku lokukhokha_________________________

Ukukhokha kwesine R___________________Usuku lokukhokha_________________________

(uma umsebenzi wokwakha uhambe kahle)

Izindleko zibandakanya izinto zokwakha Izindleko azibandakanyi izinto zokwakha

Isayinwe ngo mhlaka:______________________ Indawo_____________________________________

kumakhi: ___________________________ nomnikazi ________________________________________

20

ukugwema izinkinga zokwakha ezijwayelekile

isigaba

4

20

Izindawo lapho okungavuka khona izinkinga zokwakha

21

90 mm Slab

ukugwema izinkinga zokwakha ezijwayelekile

Lesi sigaba sihlanisa:

• Izindawo lapho okungavuka khona izinkinga zokwakha

• Umsebenzi wesitini

• Ukuhlanganisa usimende

• Izicabha namafasitela

• Ukufulela

• Ukufaka amapayipi nogesi

• Ezinye izindlela zophahla kunokufakela ubhestas

ukufaka ukhonkolo waphansi

• Lokhu umbhede kakhonkolo oyokwakha iphansi lendlu yakho. Kubalulekile ukuthi ukhonkolo waphansi

(floor slab) uvele ngaphezulu komhlabathi; uma kungenjalo mhla lina izulu,

amanzi ayongena endlini yakho.

• Ukhonkolo waphansi wakho kumele okungenani lube ngu7,5cm futhi ungakhelwa odongeni noma

lulale ngqo phansi. Inhlabathi ngaphansi kukakhonkolo kumele iqine kakhulu futhi iqonde.

• Ngaphambi kokukafa ukhonkolo, kumele undlale isisekelo seshidi likaplastiki enhlabathini ukuvikela

amanzi ekuswakamiseni indlu yakho.

• Uma uhlala endaweni eyehlelayo kumele wakhe ukhonkolo ongu1m ububanzi no20cm uhlonzo

uzungeze indlu yakho ukugwema amanzi angangeni ezindongeni zendlu yakho. Lokhu kumele

kungehleli endlini yakho.

ukumba izisekelo

• Izisekelo zendlu yakho kumele zibenkulu ngokwanele futhi ziqine ngokwanele ukusekela indlu yakho.

Zimbili izinhlobo ongabanazo ukusekela indlu yakho: Isisekelo esiwumbhede esihamba nendlu yonke

ngesikhathi esisodwa, noma yileso esihamba ngezigabagaba ezindongeni.

Izindawo lapho okungavuka khona izinkinga zokwakha

Susa utshani nomhlabathiwangaphezulu Iplastiki evimbela amanzi

Isisekelo kumele sibe ngu20cm ubugqinsi; sibe ngu60cm ububanzi

Yimbela phansi komhlaba (okungenani amasentimitha angu60)

22

Kumele uqiniseke ukubheka lezizinkinga. Uma umakhi wakho esezenzile nosemende

usuwomile, kungaba nzima ukulungisa lezizinkinga.

khumbula

• Kumele ubene plastiki endlalwayo ebizwa ngokuthi udemkosi (dampcourse) owakhelwa ezindongweni

zakho ezingeni elihleleke phansi (floor). Lokhu kuyovimbela amanzi angangeni ezindongeni zakho.

• Ibrick force iwucingo olwakhiwe njengebhande phakathi kwezindonga ukuze ziqine fithi zivikeleke

ekuklayekeni. Umakhi wakho kumele afake ibrick force ezindongeni ilale, eqise imiqga yezitini emine.

Kumele ufake olayini ababili be-brick force ngaphezulu kwamafasitela.

• Kubalulekile ukuthi izitini zibekwe zilalaliswe ziqondaniswe ngokulingana kolayini. Umsebenzi wezitini

awumele ubukeke ungaqondene futhi utshekile.

• Ekamelweni ngalinye lendlu yakho kumele ubenezitini ezinezimbobo eziholela umoya ngaphandle.

Lokhu kuqiniseka ukuthi kuyoba nomoya owanele endlini yakho noma ngabe izicabha zivaliwe.

Kumele ubenezitini ezinembobo ngaphezu kwazo zonke izicabha namafasitela endlu yakho.

• Indlela ophala ngayo usimende phakathi kwezitini ibalulekile ukuqiniseka ukuthi amanzi akangeni

endlini yakho. Ziningi izindlela ezahlukene zokuphala usimende. Izindlela ezifanele nezingafanele

zokwenza lokhu ziyakhonjiswa ngezansi.

umsebenzi wesitini

Uma usimende uhlanganiswa nesihlabathi ngamanani angafanele, usimende ungaba lula kakhulu ungakwazi

ukubamba kahle kanye nezitini. Musa ukonga imali ngokusebenzisa isihlanganiso sikasimende esilula.

Kumele usimende uhlanganiswe ngokuhlukana njengokuhlukana kwezidingo zokwakha, njengezisekelo,

udaka lukakhonkolo noma udaka lokuplastela. Landela izinkomba zokusetshenziswa ezisesikhwameni

sikasimende.

ukuhlanganisa usimende

kuhle kungcono kubi

23

Izicabha namafasitela

• Kumele ube namalinteli (usimende onocingo phakathi) ngaphezu kwazo zonke izicabha namafasitela

endlini yakho ukuqiniseka ukuthi izitini ngaphezulu azidiliki. Lokhu kubaluleke kakhulu uma usebenzisa

amafasitela amadala noma amafulemu ezicabha amadala ngoba awaqinile njengamafulemu amasha.

• Amafasitela kumele avuleke ngaphandle.

• Akufanele ubenezikhala ezinkulu ezizungeze amafasitela nangaphansi kwezicabha ngoba lokhu

kuyongenisa amanzi, umoya obandayo, nothuli ngaphakathi endlini.

• Izicabha namafulemu amafasitela kumele apendwe uma sekuqedwe ukwakhiwa.

Uma ungawapendi, amafulemu ensimbi angagqwala.

• Thenga amafulemu aqine kakhulu ongakwazi ukuwathenga.

Isisekelo

ukhonkolo waphansi(floor slab)

usimende

ukuplastela

Isihlabathiukusebenzisa amatsheusimende

Isihlabathi somfula

Isihlabathi somfula

Isihlabathi somfula

Isihlabathi esicwayisekile

Isaka 1

Isaka 1

Isaka 1

Isaka 1

4

4

4

4

Amatshe

5

Amatshe

5

24

U12mm ukuya ku15mmugqinsi lweplasta

Ama-row amabili owayela noma ucingooluqinisayo (brickforce) ngaphezulu kwamalintel ukungezela izinga lokuqinisa ubonda (udonga)

Fakela ama-lintel ekhonkhrithingaphezulu kwefasitela

Fakela ifasitela phakathi kobonda

Fakela izitina nge-engeliukwenzela ukuthi amanziemvula ageleze ehle

Fakela i-layer yeplastiki ukuvimbela amanzi ngaphansi kwe-window sill

Yenza ukuthi izitina zime sakulenga ukwenzela ukuthi amanzi akwazi ukwehla ageleze

25

ukufulela

ukufaka amapayipi amanzi nogesi

ezinye izindlela zophahla kunokufakela ubhestas

• Izingodo zokufulela akumele zihlukane kakhulu futhi amapulangwe angazaci kakhulu, ngoba uma

kunjalo ngeke akwazi ukusekela isisindo sophahla. Buza umthengisi wezimpahla zokwakha mayelana

nohlobo olufanele lwamapulangwe ophahla lwakho.

• Uphahla kumele lugamanxe/ludlule odongeni lwendlu yakho ngo60cm (bonisa ngomdwebo).

• Impahla yokufulela kumele ishayelelwe ngokuphephile endlini yakho. Uma kungenziwanga

kungabanengozi yokuphephuka kophahla.

• Uphahla lwakho malutsheke ngokwanele ukuze lungavuzi.

• Uma ufaka ibhodi kagesi endlini yakho, kumele uqiniseke ukuthi ibhodi izonelisa izidingo zakho zamanje

nezangesikhathi esizayo. Amabhodi athile akakuvumeli ukusebenzisa izimpahla eziningi zikagesi.

• Ungaqoqa amanzi emvula awela ophahleni lwendlu yakho, angene emphongolweni ngokuqondisa

ipayipi egatheni elakhelwe ophahleni bese liya ethangini. Amanzi angasetshenziselwa ukugeza

nokuchelela ingadi yakho.

• Ubhestas (asbestos) uyinto esazintanjana esetshenziswa ezimpahleni eziningi zokwakha

njengamashidi ophahla, usilingi, amapayipi namathangi. Noma ngabe lezi zinto zibukeka ziqinile,

uma imikhiqizo eyakhiwe ngobhestas isiguga noma iphuka, ikhipha izintanjana zikabhestas ebese

zingena emoyeni. Uma uphefumula udonsa lo moya, ungathola isifo samaphaphu noma umdlavuza

(cancer). Abantu abaningi babulawa yilezi zifo.

• Wonke umuntu osebenzisa imikhiqizo kabhestas ekhaya lakhe noma owakha ngemikhiqizo

enobhestas usengozini.

• Ubhestas awusekho emthethweni e Mzansi Afrika. Kodwa kukhona kunezindlela ezintsha zophahla

ezifana no bhestas, futhi zifulela njengo bhestas. Qinisekisa e sitolo ukuthi uphahla lwakho alwenziwanga

ngo bhestas (bkeka ikhasi 27 ngokwazi kabanzi).

26

Fakela amathayela amazenke abambe uphahla lwakho lucindezeleke phansi ukwenzele ukuthi lungapheshulwa ngumoya. Eyodwa ku-truss ngayinye

38mm x 38mm wama-purlinsamathayela

Iplastiki kanyenocwecwelukathayela

38mm x 38mmwama-battenesingili

Iplastiki evimbelaukungena umswakamo

27

Nazi ezinye izimpahla zokwakha ongazithenga ezingenawo ubhestas.

ukuvikela izimpilo zemindeni ethola usizo lwemali-mbokelo yakhe, uRhlF akavumeli ukuba imali ayikhiphayo ithenge izimpahla ezinobhestas.

okunye ongakusebenzisa okungenabhestasIzinto zikabhestas

Ama-sheeting eNutec akwa-Everite - abiza ngokufanayo,

awarasti, futhi alula nokuvoca-voceka kalula (flexible)

Amazenke - alula ukuwenza futhi aqinile

I-Nutek facias - abiza ngokufanayo. awarusi

I-Galvanised steel - iqine kakhulu

Ama-trough okuwasha ekhonkrithi - aqine kakhulu Ama-trough

okuwasha amaplastiki - alula ukuwasebenzisa kodwa awaqinile

kakhulu. Ama-trough ensimbi aqinisiwe (Galvanised steel troughs)

- aqine kakhulu kanti futhi alula ukuwafakela

Ama-bricks on edge - alula futhi abiza kancane

Ikhonkrithi - ilula ukuyihlanzekisa

I-timber - ibukeka kahle futhi ayibizi

Amabhodi esilingi eNutec - abiza ngokufanayo.

ayaphenduphenduleka (versatile)

I-Gypsum - ilula ukuyifakela. kanti futhi ifudumeza indlu yakho

Insimbi eqinisiwe (i-Galvanised steel) - ilula ukuyifakela. kanti

futhi ayiphuki kalula

Amaplastiki e-marley - alula ukuwafakela kanti futhi alula

ukuwagcina kahle

I-UPVC (amapayipi eplastiki) - alula ukuwafakela kodwa

awaqinile kakhulu

Amapayipi ensimbi nawekhonkhrithi - aqine kakhulu kanti futhi

awaphuki kalula.

Amathangi amanzi eplastiki - alula ukuwafakela Insimbi

eqinisiwe (galvanised steel) - alula ukuwafakela kanti

futhi aqinile Amathangi ezitina kanye nawe-mortar okuhlanze-

kisa (septic tanks)

ezophahla lwendlu

I-bigsix ne-profile b sheeting

I- facias nama bargeboads

ama-troughs

e-asbestos okuwasha

ama-sill amafasitela

Isilingi - amabhodi esilingi

e-cladit

Isilingi - amabhodi esilingi

e-cladit

amapayipi e-asbestos amanzi.

kanye namapayipi ahambisa indle

amathangi ahlanzekisa ukungcola

kanye namathangi amanzi

Izinhlangano okumele uzazi

Xhumana nalezi zinhlangano.

ngezinkinga ngomakhi wakho

28

(a) legal Resources Centre (011) 403-7694

Lenhlangano inika izeluleko zomthetho mahhala. Ingakusiza kuzona zonke izinkinga eziphathelene

nokwakha. Amahhosivi abo amakhulu aseGoli.

Provincial Legal Aid offices

Gauteng (Head Office) Tel: (011) 877 2000Eastern Cape Tel: (041) 363 8863Free State Tel: (051) 412 8040 or (051) 412 8041Kwa Zulu Natal Tel: (031) 717 8450Limpopo Tel: (015) 296 0117 or (015) 296 0148Mpumalanga Tel: (015) 296 0117 or (015) 296 0148North West Tel: (051) 412 8040 or (051) 412 8041/8048Northern Cape Tel: (021) 861 3000Western Cape Tel: (021) 861 3000

Gauteng (Head Office) Tel: (011) 877 2000Eastern Cape Tel: (041) 363 8863Free State Tel: (051) 412 8040 or (051) 412 8041Kwa Zulu Natal Tel: (031) 717 8450Limpopo Tel: (015) 296 0117 or (015) 296 0148Mpumalanga Tel: (015) 296 0117 or (015) 296 0148North West Tel: (051) 412 8040 or (051) 412 8041/8048Northern Cape Tel: (021) 861 3000Western Cape Tel: (021) 861 3000

(b) national home builders Registration Council (nhbRC) (011) 348-5700

Lenhlangano inelisti yabakhi abaqeqeshiwe kuyona yonke iNingizimu Afrika. Funa igatsha lale nhlangano

endaweni ohlala kuyo. Lababakhi bagunyaziwe ukuthi basebenze futhi basesikhwama semali esisizayo

uma kuvela inkinga ngomsebenzi wabo.

appendix: ngingaluthola kuphi usizo?Kukhona abantu abaningi kanye nezinhlangano ezingakusiza ngokwakha indlu yakho.

Izeluleko ngokwakha

(a) abathengisi bezinto zokwakha

Kukhona abathengisayo abaqotho nabafanele ezintweni zokwakha, abangakwazi ukuphendula imibuzo yakho

ngezinto ezingcono zokwakha. Bangakutshela ngezinto ezehlukene zokwakha kanye nezindleko zazo.

(b) Iziphathi-mandla zendawo (amakhansela nomasipala bendawo)

Ikhansela yedolobha lakini noma ikhansela yesemaphandleni ngakini angaba nomuntu ongakweluleka ngamaplani

endlu yakho. Kungaba khona amazinga (standards) abekiwe endawo kanye nemithetho yomasipala yendawo

(local by-laws) okumele uyilandele. Uma uhlala endaweni yelokishi elakhiwe ngokomthetho, kumele amaplani

akho avunyelwe ziphathi-mandla zendawo (amakhansela noma omasipala bendawo), ngaphambi kokuthi uqale

ukwakha.

Gauteng DHS Tel: 011 355 4000Limpopo DHS Tel: 015 284 5000Free State DHS Tel: 051 407 4727Mpumalanga DHS Tel: 013 766 6088North West DHS Tel: 018 388 2882Eastern Cape DHS Tel: 086 00 00 039Northern Cape DHS Tel: 053 830 9581Western Cape DHS Tel: 021 483 2868Kwa Zulu Natal DHS Tel: 033 392 6400

(c) national Department of human Settlements Tel: 0800 1 (houSe) 46873

(d) estate agency affairs board (eaab) Tel: 087 285 3222Lenhlangano ishaya umthetho olawula abadayisi bezindlu ukuze umphakathi uvikeleke.

(e) Community Scheme Office Ombudsman (CSOS) Tel: (010) 593 0533Lenhlangano isiza ngoku xazulula izinkinga ezikhungatha izinhlangano zomphakathi.

(f) national urban Reconstruction housing association (nuRCha) Tel: 011 214 8700Lenhlangano inikezela ngosizo lwezimali zokwakha izindlu zamanani aphansi, kanye nezakhiwo zomphakathi. Babuye basize ngokuhlela izimali nokuqinisekisa ukuthi umsebenzi uqhubeke ngokohlelo uze uyophela.

(g) national housing Finance Corporation (nhFC) Tel: (011) 644 9800I NHFC, isiza ngezimali emkhakheni wezindlu zenani eliphansi. Lomnyango usebenzisa ulwazi nobuchwepheshe ukuze ukhulise imiphakathi enothile.

Provincial Department of human Settlements

ukuthola imali yosizo (subsidy) kahululmeni

Kungenzeka kukufanele ukuthola imali yosizo lukahulumeni, lokuthola indlu, ukuxhunyelwa amasevisi,

noma umhlaba. Ngolwazi olunzulu, xhumana no masipala wakho noma umnyango wezidlu wesifundazwe sakho.

P.O Box 645, Bruma, 2026

Tel: (011) 621-2500 Fax: (011) 621-2520 Website: www.rhlf.co.za

Yenza imali-mboleko yendlu yakho ifeze amaphupho akho