09/28/2023

Lapho uthenga noma ufaka kabusha izimali, kubalulekile ukunquma inani elinembile lemakethe lendawo yakho.Ngaphandle uma iklayenti lingathola Ukuyekwa Kokuhlolwa Kwezakhiwo (i-PIW), umbiko wokuhlolwa uzoba ithuluzi elibalulekile ekuqinisekiseni inani lemakethe lesakhiwo.Abantu abaningi badidekile ngenqubo nemibandela yokuhlolwa kwekhaya.Ngezansi, sizophendula le mibuzo.

Ⅰ.Uyini umbiko wokuhlola?
Umbiko wokulinganisa ukhishwa umhlaziyi wezindlu ochwepheshe ngemva kokuqeda inhlolovo yasendaweni futhi ubonisa inani langempela lemakethe noma inani lendlu.Umbiko uhlanganisa imininingwane ethile yezinombolo efana nezithombe eziyisikwele, inombolo yamagumbi okulala nezindlu zokugezela, ukuhlaziywa kwemakethe okuqhathanisayo (i-CMA), imiphumela yokuhlolwa kwenani, nezithombe zekhaya.

Umbiko we-appraisal uphathiswe umbolekisi.Kubalulekile ukwenza isiqiniseko sokuthi indawo ihlanzekile futhi inakekelwa kahle ngaphambi kokuba ihlolwe.Uma usanda kwenza ukuthuthukisa noma ukulungisa kabusha, hlinzeka ngezinto ezifanele nama-invoyisi ukuze umebolekisi asiqonde kangcono isimo sekhaya.

Ngokuhambisana ne-Appraisal Independence Requirements (AIR), ababolekisi bazokhetha ngokungakhethi abahlaziyi ngokusekelwe endaweni yendawo yendawo ukuze kuqinisekiswe ukungathathi hlangothi kanye nokungenzeleli enqubweni yokuhlaziya.Ukuze kugwenywe ukungqubuzana kwezithakazelo, abahlaziyi kufanele bagweme ukuba nentshisekelo yomuntu siqu noma yezezimali endaweni ehlaziywayo noma iklayenti elicela ukulinganisa.

Ngaphezu kwalokho, alikho iqembu elinenzalo ethile emalimboleko elingathonya imiphumela yokuhlolwa nganoma iyiphi indlela noma libambe iqhaza enqubweni yokukhetha umhlaziyi.

Izimali zokuhlola ziyahlukahluka ngendawo kanye nohlobo lwesakhiwo.Uma ufaka isicelo semali mboleko, sizokunikeza isilinganiso sezindleko ze-appraisal.Izindleko zangempela zingase zishintshe, kodwa umehluko ngokuvamile awubaluleki.

Ⅱ.Imibuzo Ejwayelekile Ekuhloleni

1. Q: Ake sithi indlu ivaliwe futhi yaqoshwa izolo.Kuzothatha cishe izinsuku ezingaki ukuthi inani lale ndlu lamukelwe umhloli njengokuqhathanisa?
IMP: Uma irekhodwe izolo futhi ulwazi lokurekhoda lutholakala, ingasetshenziswa ngempela namuhla.Kodwa iningi lezinsizakalo esizisebenzisayo ngokuvamile zidinga izinsuku ezingaba ngu-7 ukuyibona.Kulokhu, unganikeza ulwazi lokurekhoda kumhlaziyi, okuhlanganisa nenombolo yedokhumenti yokurekhoda.

2. Q: Iklayenti lenze iphrojekthi evunyelwe yokwandisa eqediwe kodwa engakaphumeleli ekuhlolweni kokugcina kwedolobha.Kulokhu, ingabe indawo eyengeziwe ingasetshenziselwa ukulinganisa?
IMPENDULO: Yebo, indawo eyengeziwe ingase isetshenziselwe ukulinganisa, kodwa umbiko wokuhlolwa uzobhekana nokuhlolwa kokugcina kwedolobha, njengokungathi indlu iyintsha sha, futhi imali ebolekiwe kungase kudingeke ilinde kuze kuqedwe ukuhlolwa kokugcina.Ngakho-ke, kungcono uku-oda i-appraisal ngemva kokuhlolwa kokugcina kwedolobha.

3. Umbuzo: Isimo sechibi asisihle, sinolwelwe oluluhlaza.Ngabe lolu daba luzoba namuphi umthelela?
IMP: Kuyamukeleka uma inkinga yolwelwe oluluhlaza ingembi kakhulu.Nokho, uma kukhona ulwelwe obuningi kangangokuthi awukwazi ukubona phansi echibini, ngakho-ke akwamukeleki.

4. Q: Iluphi uhlobo lwe-ADU olwamukelekayo futhi olungafakwa enanini lokuhlola?
IMPENDULO: Ukwemukelwa kwe-ADU ngokuvamile kuhlobene nokuthi ingabe inayo yini imvume.Abatshalizimali noma ababhala ngaphansi bazobuza ukuthi ikhona yini imvume.Uma ikhona, izoba nomthelela omuhle kwivelu.

5. Q: Ungaphikisa kanjani ngokunembile nangempumelelo inani lokuhlola?
IMP: Uma kukhona okunye ukuqhathanisa umhloli angazange akucabangele, lokho kungacatshangelwa.Nokho, uma nje uthi indlu yakho yinhle, iyigugu, akusizi ngalutho.Ngenxa yokuthi inani lokuhlola lidinga ukugunyazwa Obolekayo, udinga ukunikeza ubufakazi ukuze usekele isimangalo sakho.

6. Q: Uma igumbi elingeziwe lingenayo imvume, inani lokuhlola ngeke likhuphuke ngokuhambisanayo, akunjalo?
IMPENDULO: Abantu bavame ukuphikisa ngokuthi noma indlu ingenayo imvume, kodwa yengezwe, ibalulekile.Kodwa kuMbolekisi, uma ingekho imvume, alikho inani.Uma uye wandisa indlu ngaphandle kwemvume, usengakwazi ukusebenzisa indawo enwetshiwe inqobo nje uma zingekho izinkinga.Kodwa-ke, uma udinga imvume, okungukuthi, lapho udinga ukunweba indlu yakho ngokusemthethweni, uhulumeni wedolobha angadinga ukuthi ukhokhele imvume ongazange uyithole ngaphambilini.Lokhu kuzonyusa izindleko eziningi, futhi amanye amadolobha angase adinge ukuthi uqaqe ingxenye engazange ithole imvume.Ngakho-ke, uma ungumthengi, futhi indlu oyithengayo manje inegumbi elingeziwe, kodwa awazi ukuthi ikhona yini imvume esemthethweni, kamuva lapho udinga ukwenza noma yikuphi ukunweba kule ndlu, ungase udinge ukuchitha. imali eyengeziwe ukuze uthole imvume edingekayo, ezothinta inani langempela lendlu oyithengile.

7. Q: Kukhodi yeposi efanayo, ingabe isifunda sesikole esihle sizonyusa inani lokuhlola?Ingabe umhloli uzonaka kakhulu amaphuzu esikole?
IMP: Yebo, empeleni, umehluko wekhwalithi yezifunda zesikole ubaluleke kakhulu.Emphakathini wamaShayina, wonke umuntu uyazi ukubaluleka kwezifunda zesikole.Kodwa ngezinye izikhathi umhloli angase angasiqondi isimo sendawo ethile, angase abheke kuphela isifunda sesikole ngaphakathi kwebanga elingamakhilomitha angu-0.5, kodwa akazi ukuthi umgwaqo olandelayo uyisifunda sesikole esihluke ngokuphelele.Kungakho ezicini ezifana nezifunda zesikole, uma umhloli engaziniki isikhathi sokuqonda, abadayisi bezindlu kudingeka babanikeze ulwazi oluqhathanisekayo mayelana nesifunda sesikole esifanele.

8. Umbuzo: Ingabe kulungile uma ikhishi lingenaso isitofu?
IMP: Emabhange, indlu engenasitofu ithathwa njengengasebenzi.

9. Umbuzo: Egumbini elengeziwe elingenayo imvume, njengokuguqula igaraji libe yindlu yokugezela egcwele, inqobo nje uma ikhishi elihlinzeka ngegesi lingafakiwe, ingabe lingabhekwa njengephephile?
IMP: Uma yonke indlu inakekelwa kahle noma isesimweni esimaphakathi, noma kungekho zinkinga zangaphandle ezisobala, umbhali wangaphansi ngeke akhathazeke ngezindaba zokuphepha.

10. Umbuzo: Ungakwazi yini ukwakha u-1007 ukuze uthole indawo eqashisayo usebenzisa imali yokuqasha yesikhashana?
IMP: Cha, kungase kungenzeki ukuthola ukuqhathaniswa okufanelekile ukuze kusekelwe le mali engenayo yokuqasha.

11. Q: Ungalikhulisa kanjani inani lokuhlola ngaphandle kokulungiswa?
A: Kunzima ukukhulisa inani lokuhlola kulesi simo.

12. Q: Ungakugwema kanjani ukuhlolwa kabusha?
IMP: Qinisekisa ukuthi lonke ulwazi olunikezayo lunembile futhi lusesikhathini samanje, okunganciphisa amathuba okuhlolwa kabusha.Lapho uphatha izinqubo ezihlobene, qiniseka ukuthi unikeza imibhalo enembile, ubufakazi, nezinto zokwakha.Futhi, qinisekisa ukuthi uqedela ukulungisa okudingekile ngokwezidingo, futhi wenze ukuhlola nokunakekelwa okufanele ukuze uqinisekise ukuthi indlu ihlangabezana nezidingo.

13. Q: Side kangakanani isikhathi sokufaneleka kombiko wokuhlolwa?
IMP: Ngokuvamile, idethi yokuqala yokusebenza kombiko wokuhlola idinga ukuba phakathi kwezinsuku eziyi-120 zedethi yenothi.Uma idlula izinsuku eziyi-120 kodwa hhayi izinsuku eziyi-180, ukuqinisekiswa kabusha (Ifomu 1004D) kudingeka kwenziwe ukuze kuqinisekiswe ukuthi inani lesakhiwo esihlongoziwe alikanciphi kusukela ngosuku lokuqala lokusebenza kombiko wokuhlaziya.

14. Umbuzo: Ingabe indlu eyakhiwe ngokukhethekile izoba nenani eliphakeme lokulinganisa?
IMP: Cha, inani le-appraisal lincike kumanani omsebenzi wezindlu eziseduze.Uma ukwakhiwa kwendlu kukhetheke kakhulu futhi kungatholakali ukuqhathaniswa okufanelekile, inani lendlu lingase lingalinganiswa ngokunembile, ngaleyo ndlela kuholele ekutheni Umabolekisi enqabe isicelo semalimboleko.

Umbiko wokuhlaziya ungaphezu kwenombolo nje;Kuhlanganisa ubuchwepheshe nolwazi lokuqinisekisa ukuthi ukuthengiselana kwezindlu nezindlu kunobulungiswa futhi kunobulungiswa.Ukukhetha umhloli onolwazi nothembekile kanye nombolekisi kuqinisekisa ukuthi amalungelo nezintshisekelo zakho zivikelwe ngokwezinga eliphezulu ongakhona ngalo.I-AAA ihlale inamathela kumgomo wekhasimende kuqala futhi ikuhlinzeka ngezinsizakalo ezichwepheshile nezicabangelayo.Kungakhathaliseki ukuthi uthenga umuzi okokuqala ngqa, ufuna ukwazi okwengeziwe mayelana nokuhlolwa kwekhaya, noma ufuna ukwenza ireferensi ngaphambi kokuthenga indlu noma ukufaka isicelo semalimboleko, siyakwamukela ukuthi usithinte nganoma yisiphi isikhathi.

Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.