Kusamutsa nyumba yobwereka ku gawo laulere: kodi mungasankhe chiyani monga mwini nyumba?

Nthawi zambiri simungasamutsire nyumba yobwereka yolamulidwa ku gawo lachinsinsi panthawi yobwereka: wobwereka amasunga chitetezo cha nthawi yobwereka komanso chitetezo cha lendi. Nthawi yeniyeni ndi pamene nyumbayo yabwerekedwanso, ndipo ngakhale zili choncho zimagwira ntchito pokhapokha ngati nyumbayo yapeza mfundo zokwanira pansi pa dongosolo la mtengo wa nyumba; lendi yomwe mukufuna kulipira siisankha gawolo.

Pansipa tikufotokoza momwe gawoli limakhazikitsidwira motsatira Affordable Rent Act (Wet betaalbare huur), chifukwa chake lendi yopitilira imasiya malo ochepa, chifukwa chake lendi yokwera mu mgwirizano si yankho, komanso momwe kusintha kungathandizire pakubwereka kwina.

Kodi nyumba imayendetsedwa liti, ndipo nthawi zina sizimayendetsedwa?

Gawoli likutsatira mfundo zomwe nyumba zimapeza pansi pa dongosolo lowerengera mtengo wa nyumba ( winingwaardersstelsel , WWS). Popeza lamulo la Affordable Rent Act ( Wet betaalbare huur ) dongosololi limakhudza gawo lotsika ndi lapakati, kotero nyumba zochepa zimagwera m'gawo laulere.

WWS imapeza ubwino wa nyumba potengera zinthu monga malo a pansi, zinthu monga khitchini ndi bafa, mtengo wa WOZ (mtengo wa nyumba ya boma), chizindikiro cha mphamvu ndi zinthu zina zabwino. Mu 2026, malire ndi awa:

• Gawo lotsika (la anthu): mpaka mapointi 143, ndi lendi yoyambira ya ma euro 932.93 pamwezi.
• Gawo lapakati: mapointi 144 mpaka 186, ndi lendi yoyambira ya ma euro 1,228.07 pamwezi.
• Gawo laulere: mapointi 187 kapena kuposerapo; palibe lendi yokwanira.

Lamulo la Affordable Rent Act limagwira ntchito pa mapangano atsopano a lendi omwe adachitika pa 1 Julayi 2024 kapena pambuyo pake pa nyumba zosakwana mapointi 186. Pa nyumba zosakwana mapointi 143, lendi yayikulu imagwiranso ntchito pa mapangano omwe alipo kale: ngati lendi ndi yokwera kuposa mapointi omwe amaloledwa, mwini nyumba ayenera kuichepetsa. Kuyambira pa 1 Januwale 2025, maboma amathanso kulipira eni nyumba omwe satsatira malamulo, ndipo eni nyumba ayenera kunena mapointi omwe ali nawo pamene lendi ikuyamba.

Mfundo yofunika kwambiri: chofunika ndi kugawika kwa nyumba mwalamulo kumayambiriro kwa lendi. Simungasinthe lendi yomwe ilipo kale kukhala lendi yaulere pambuyo pake chifukwa choti msika wasintha kapena nyumbayo yakhala yamtengo wapatali kwambiri.

Kodi mungachite chiyani mukamaliza kulemba lendi?

Zochepa kwambiri. Ngakhale kuti wobwereka nyumbayo amakhala m'nyumbamo motsatira mgwirizano wovomerezeka, simungathe kukweza lendi yanuyo pamlingo waufulu; wobwerekayo ali ndi chitetezo cha nthawi yobwereka komanso chitetezo cha lendi.

Eni nyumba ambiri amakhulupirira kuti kusinthana n'kotheka mtengo wamsika kapena mtengo wa WOZ ukakwera, kapena nyumba ikakonzedwa. Zinthu zimenezo sizikwanira zokha kuti zisinthe lendi yomwe ilipo kale kukhala pangano la gawo lodziyimira pawokha. Kuwonjezeka kwa lendi panthawi yobwereka kumadalira malamulo apamwamba a gawolo. Mu 2026, boma lakhazikitsa, pakati pa zina, kuwonjezeka kwakukulu kwa 6.1% kwa gawo lapakati ndi 4.4% kwa gawo lodziyimira pawokha.

Mapangano ndi wobwereka ndi osavuta monga momwe akuonekera

Nthawi zina anthu amaganiza kuti mwini nyumba ndi wobwereka angavomereze kuti nyumbayo idzakhala m'gulu la anthu omasuka kuyambira pano. Mwachidule, njira imeneyi si njira yotetezeka mwalamulo. Lamulo la lendi m'nyumba lili ndi malamulo ambiri ofunikira omwe amateteza wobwereka.

Si mgwirizano uliwonse womwe uli wovomerezeka, ngakhale magulu onse awiri akuwoneka kuti akugwirizana. Malamulo ambiri a lendi omwe ali mu Buku 7 la Dutch Civil Code (BW) ndi ofunikira, kotero mgwirizano womwe umalepheretsa wobwereka chitetezo cha lendi pambuyo pake ukhoza kuthetsedwa ndi khoti lachigawo (kantonrechter) kapena Khoti Loona za Lendi.

Kodi njira yeniyeni ndi iti?

Kubwerekanso nyumbayo munthu akachoka. Panthawiyo mutha kuwonanso gawo lomwe nyumbayo ili, kutengera kuchuluka kwa mfundo zomwe ili nazo.

Mafunso omwe alipo pakali pano ndi awa: kodi nyumbayo ikupeza mapointi angati tsopano, kodi izi zikuiika m'gawo lotsika (mpaka mapointi 143), gawo lapakati (144 mpaka 186) kapena gawo laulere (187 kapena kuposerapo), ndipo kodi ndi lendi iti yoyambira yomwe mungavomereze mwalamulo?

Chifukwa chiyani kupempha lendi yokwera si yankho?

Chifukwa mfundo ndi zomwe zimasankha gawo, osati lendi yomwe ili mu mgwirizano. Lendi yokwera kwambiri ikhoza kutsutsidwa ndikuchepetsedwa mpaka pamlingo woyenera.

Ichi ndi cholakwika chofala. Eni nyumba ena amangoika lendi yokwera mu mgwirizano ndipo amaganiza kuti nyumbayo imagwera m'gawo laulere. Ngati nyumbayo siikuyenerera malinga ndi dongosolo la ma point, wobwereka akhoza kupempha Bungwe Loona za Lendi ( Huurcommissie ) kuti liwunikire lendi, ndipo lendiyo ikhoza kubwezeretsedwanso pamlingo wapamwamba pa gawolo, mwina ndi kubweza zomwe zinalipidwa kwambiri. Phunziro lothandiza ndi losavuta: choyamba dziwani gawo lomwe nyumbayo imagwera, kenako khazikitsani lendi.

Kodi kukonza nyumba kungathandize?

Kawirikawiri, inde. Kusintha komwe kumapangidwira kumatha kuwonjezera mapointi a WWS ndikusintha gawo lomwe nyumbayo ingabwerekedwe pa lendi yotsatira.

Sikuti ndalama zonse zimathandiza, koma kusintha kwina kumawonjezera mfundo. Ganizirani njira zopezera nthawi yokhazikika zomwe zimakweza chizindikiro cha mphamvu, khitchini yatsopano kapena bafa, komanso malo abwino komanso zomaliza. Ntchito yokongoletsa nthawi zambiri sikokwanira: kusintha kuyenera kuwerengedwa mu dongosolo la mfundo.

Ndicho chifukwa chake n'zomveka kuti kaye muyese mfundo kenako muyike ndalama pambuyo pake. Kenako mumadziwa ngati kukonzanso nyumbayo kudzapitirira malire ake, kapena ngati mungawononge ndalama popanda phindu lililonse lalamulo.

Mapangano akanthawi si njira yotulukira

Eni nyumba ena amayembekeza kuti azitha kulamulira nyumbayo ikapanda anthu pogwiritsa ntchito mapangano a nthawi yochepa. Popeza lamulo la mapangano a nthawi zonse a lendi ( Wet vaste huurcontracten ) linayamba kugwira ntchito pa 1 Julayi 2024, pangano lokhazikika ndilofala ndipo mapangano atsopano akanthawi amaloledwa kokha kwa magulu enaake, monga ophunzira ndi achinyamata, malinga ndi zomwe zakhazikitsidwa ndi lamulo. Mwini nyumba amene amayesetsa kupanga kusinthasintha kudzera mu pangano la nthawi yochepa lomwe silikukwaniritsa zomwe zili, amakhala pachiwopsezo choti wobwereka nyumbayo akhale ndi chitetezo chokwanira cha nthawi. Monga njira yosamukira ku gawo laulere, kubwereka kwakanthawi sikodalirika nthawi zambiri.

N’chifukwa chiyani simuyenera kuiwala gawo lapakati?

Chifukwa nyumba yomwe ikuwoneka yokongola kwa anthu omasuka ikhoza kukhalabe pakati, ndi lendi yokwera kwambiri. Mukabwerekanso, yang'anani malire onse awiri.

Msika wobwereketsa siwongophatikizapo lendi ya anthu wamba komanso gawo laulere. Nyumba yomwe ili ndi mapointi pakati pa 144 ndi 186 imabwerekedwa pakati, pomwe Affordable Rent Act imakhazikitsa lendi yayikulu. Mukabwereketsanso, sikokwanira kufunsa ngati kubwereketsa kwaulere kungatheke; muyeneranso kuwona ngati nyumbayo ili pakati.

Chitsanzo chofotokozera: mwini nyumba akubwerekanso nyumba yomwe yapeza mapointi 170 pambuyo pokonzanso ndi chizindikiro chatsopano cha mphamvu. Nyumbayo yachoka pagawo lotsika, koma sinafike pagawo laulere: lendi singapitirire kuchuluka komwe kumagwira ntchito pa mapointi 170.

Kodi muyenera kufufuza chiyani ngati mwini nyumba?

Yesetsani kuwerengera macheke awa musanabwerekenso kapena kuyika ndalama. Zimenezi zimalepheretsa lendi yoyambira yomwe Khoti Loona za Lendi limachedwetsa pambuyo pake.

• Kodi ndi mgwirizano wamtundu wanji womwe umagwira ntchito, kodi lendi inayamba liti, ndipo kodi lendi yomwe ilipo pano ndi yotani?
• Kodi home home ikupeza mapointi angati a WWS tsopano, kutengera kuwunika kwa mapointi komwe kwalembedwa?
• Kodi nyumbayo ili m'gawo lotsika (mpaka mapointi 143), gawo lapakati (144 mpaka 186) kapena gawo laulere (187 kapena kuposerapo)?
• Ndi kusintha kotani, monga chizindikiro chabwino cha mphamvu, komwe kungawonjezere mfundo zokwanira, ndipo pamtengo wotani?
• Kodi pangano latsopanoli limafotokoza mfundo zomwe zapezeka ndipo silikupitirira malipiro apamwamba a lendi ya 2026 (€932.93 kapena €1,228.07)?

Kodi muyenera kufufuza chiyani ngati wobwereka nyumba?

Monga wobwereka nyumba yolamulidwa, mumasunga chitetezo chanu cha lendi panthawi yobwereka. Yang'anani ngati lendi yanu ndi kusintha kulikonse komwe mukufuna kukutsatirani.

• Kodi lendi yanu ikugwirizana ndi mfundo za nyumbayo, monga momwe zalembedwera mu mgwirizano?
• Kodi kuwonjezeka kwa pachaka kumakhalabe mkati mwa nthawi yokwanira ya 2026, mwachitsanzo 6.1% m'gawo lapakati?
• Kodi mukupemphedwa kuti musayine pangano losamutsa nyumbayo ku gawo laulere? Musasayine popanda upangiri.
• Kodi mwafunsapo Bungwe Loona za Lendi (Huurcommissie) kuti liwunikire lendi yomwe mukuganiza kuti ndi yokwera kwambiri?

Kodi tingakuchitireni chiyani ndi funso lokhudza gawo laulere?

Maloya athu olembera nyumba amalangiza eni nyumba ndi obwereka nyumba pa magawo a lendi ndi Affordable Rent Act.

• Timawunikanso mgwirizano wanu wapano ndi lendi yanu poyerekeza ndi mfundo za WWS.
• Timayesa gawo lomwe nyumbayo ingabwerekedwe pa lendi yotsatira.
• Timayang'ana ngati kusintha komwe kukukonzekera kudzapititsa patsogolo malire a 143- kapena 186-point.
• Timalemba kapena kuunikanso pangano latsopano la lendi ndi poyambira lendi.
• Timakuyimirani pamaso pa Khoti Loona za Kubwereka Nyumba kapena khoti la chigawo chaching'ono.

Chidule

• Gawo la nyumba yobwereka limadalira mfundo zake za WWS, osati lendi yomwe mukuvomerezana nayo.
• Mu 2026: mpaka mapointi 143 ndi gawo lotsika (€932.93 yokwanira), mapointi 144 mpaka 186 gawo lapakati (€1,228.07 yokwanira), ndi mapointi 187 kapena kuposerapo gawo laulere.
• Mukakhala ndi lendi yokhazikika, simungathe kusamutsa nyumbayo kupita ku gawo laulere, ndipo mapangano ndi wobwereka pankhaniyi ndi oopsa.
• Nthawi yeniyeni ndi kubwereranso, mwina pambuyo pa kusintha komwe kumawonjezera mfundo.
• Mapangano akanthawi amaloledwa kwa magulu enaake okha kuyambira pa 1 Julayi 2024 ndipo palibe njira yothetsera vutoli.

MAFUNSO OFUNSIDWA KAWIRIKAWIRI