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Transfer Costs, Bond Costs, Monthly Bond Instalments, Bond Affordability, Agent Commission , Price per Square Meter , Capital Gains Tax, Deed Searches.
Visit Firefly at: http://www.amn.co.za/96630/firefly
PAIA Handleidings - Finale sperdatum is hier
Ses jaar na ons vir die eerste maal aanmanings ontvang het om te voldoen aan die Wet op Bevordering van Toegang tot Inligting (Promation of Access to information Act - PAIA) is dit nou sulke tyd.
Hierdie wet vereis dat alle publieke en private entiteite ‘n PAIA Handleiding moet voorberei, indien en publiseer (ook op enige webtuiste wat jy mag hê.
Toe, leterlik op die laaste minuut is die meeste kleiner besighede uit die verknorsing gehelp. Die oorspronklike sperdatum van die 31 Augustus 2005 was uitgestel tot 31 Desember 2011. Destyds is gehoop en aanvaar dat kleiner besighede mettertyd in geheel vrygestel sal word van hierdie verpligting.
Natuurlik kan daar weer uistel of vrystelling afgekondig word. Op hierdie stadium lyk dit egter nie so nie. Laat hierdie dan ‘n vroegtydige waarskuwing wees - moet dit nie tot die laaste minuut los nie, kry jou handleiding in plek..
Neem Kennis: Almal van ons wat op ‘n manier handel dryf, maak nie saak hoe klein nie, val binne die wetgewing se trefwydte. Die definisie van “private body” sluit in enige persoon of vennootskap in die uitvoering van enige virm van handel, besigheid of professie, insluitend enige regspersoon.
Vir enige verdere inligting, kontak Mnr FN Du Plessis.
Buying and 'bonding' together
Aspirant buyers struggling to get mortgage bond approval might look at a co-ownership agreement with friends or family. The banks are quite happy to lend a hand.
In a recent poll conducted by mortgage originator ooba, 38% of people surveyed believe that partnering with friends or relations to get a bond is a positive option.
Although bond applications in the first quarter of this year reached their highest level in 3 years, aspiring home owners are still struggling to get mortgage bonds.
As a result, applying for a joint mortgage bond is becoming more of an attractive option for people trying to enter the residential property market. It is not unheard of for couples, whether husband and wife or about-to-be-weds applying for bonds, but the current trend goes beyond this – with friends grouping together to source finance and entering into joint ownership agreements. Absa Bank’s home loans division says that it does not restrict the number of members.
Furthermore, the lending banks are looking favourably on such arrangements as an alternative to suretyships, under which recovery of debt in cases of default is often difficult. Now they prefer guarantors signing as co-owners.
Home maintenance pays when you sell
As a homeowner, you should start a programme of regular maintenance from the day you move in.
Well maintained homes generally sell faster and for higher prices, so regular home maintenance always pays in the long term.
That’s the advice of Jan Davel, MD of the RealNet property group, who says it’s no secret that the best-looking homes always sell fastest and for the highest prices, and that it’s much easier to get a home into “show condition” if you don’t have to overcome years of neglect.
Property buyers should always make sure, he says, that there is enough leeway in their household budgets to keep their homes in shape. “Deferred maintenance during a period of high interest rates and increased home loan repayments is one thing, but owners should never let their homes get so run down that turning things around is an insurmountable chore.
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