PP Smit Attorneys

Die besluit om uit ‘n groot woning te verhuis na ‘n kleiner of goedkoper eiendom, ook bekend as afskaling, word dikwels beskou as ‘n laaste uitweg wanneer toenemende finansiële druk in die gesig gestaar word. Vir baie afgetredenes word die besluit om af te skaal egter gedryf deur die vooruitsig van groter vryheid.

Namate ‘n mens ouer word, kan die verantwoordelikhede om ‘n groot eie-titel huis te onderhou en aktiwiteite soos tuin- en swembadonderhoud, skoonmaak en herstelwerk uit te voer, oorweldigend word. Tog voel baie ouer individue ‘n natuurlike emosionele verbintenis met hul huise. Immers, hulle het hul kinders daarin grootgemaak en hulle is nie bereid om hierdie herinneringe heeltemal te verloor nie.

Dus kies sommige afgetredenes met ekstra kontant ‘n “beste-van-beide-wêrelde” benadering. Dit behels die aankoop van ‘n kleiner primêre verblyf in ‘n lewensreg-landgoed of afdelingstitel-kompleks en die omskakeling van hul voormalige huis na ‘n sekondêre verblyf of vakansiehuis.

Die kus roep

Met betrekking tot die tipe aftree-eiendomme wat hierdie demografie koop, toon Lightstone-data dat die Wes-Kaap die enigste streek is waar eiendomme in landgoedere (55%) meer gewild is onder afgetredenes as eie-titel en afdelingstitelhuise.

Dit is geen geheim hoekom landgoedere so gewild is onder kieskeurige afgetredenes nie – hulle bied veiligheid, leefstyl en ‘n ingeboude gemeenskap van gelykgesinde individue om te verseker dat nuwe inwoners gemaklik voel en ondersteun word in hul nuwe lewensfase.

Afskaling met die doel om ’n begroting beskikbaar te stel vir ‘n vakansiehuis is ook besig om ‘n gewilde tendens te word onder Suid-Afrika se afgetredenes – en die meerderheid van hulle gaan kus toe. Dit is veral algemeen onder diegene wat ‘n binnelandse eiendom besit en op soek is na meer ontspanningsaktiwiteite.

Data van ooba Home Loans wys dat vir alle verbande wat tussen Junie 2021 en Junie 2022 toegestaan is, 0.41%, 0.18% en 1.04% vir vakansie-eiendomme in die Wes-Kaap, KwaZulu-Natal en die Oos-Kaap onderskeidelik was.

‘n Huis naby die huis

In die algemeen koop afgetredenes vakansiehuise wat maklik toeganklik is. Diegene wat hierdie pad wil volg, word aangemoedig om ‘n vakansiehuis binne gemaklike ry-afstand van hul nuwe aftree-eenheid te kies, om te verseker dat hulle dit gereeld kan geniet.

In die Wes-Kaap, byvoorbeeld, is gewilde vakansiebestemmings soos Langebaan, Hermanus en Betty’s Bay almal minder as twee uur buite Kaapstad. Lightstone-data wys dat 57% van individue wat twee eiendomme besit, verkies om dit in dieselfde provinsie te besit.

Voor- en nadele van die belegging in ‘n vakansiehuis

Natuurlik het die besit van ‘n vakansiehuis as ‘n afgetrede persoon sy voor- en nadele, en daar is ‘n aantal belangrike oorwegings om in gedagte te hou voordat u met hierdie reis begin.

Voordele:

Behoud van ‘n spesiale familiehuis. Vir dié wat hul vorige primêre woning in ‘n vakansiehuis omskep, stel hierdie besluit afgetredenes in staat om na die plek terug te keer waar gelukkige herinneringe bewaar word, en nuwes te skep.

Minder daaglikse instandhouding. Deur ‘n groot huis jou sekondêre verblyf te maak, beteken dat daar minder daaglikse slytasie op die huis sal wees wat aandag benodig, veral as die huis net ‘n paar keer per jaar beset word.

Addisionele inkomste. As u u vakansiehuis wil verhuur, is dit ‘n goeie manier om passiewe inkomste as ‘n afgetrede persoon te verdien. Dit is belangrik om te onthou dat die verhuring van jou huis gepaard gaan met verskeie daaglikse verantwoordelikhede soos gereelde skoonmaak en gas-kontrole. Daarom word daar aanbeveel dat u betroubare personeel aanstel om hierdie take te bestuur, omdat dit ‘n las kan wees.

‘n Waarde-vermeerderende belegging. ‘n Wel geleë vakansiehuis wat onderhou word sal net in waarde toeneem namate die jare vorder, wat jou ‘n winsgewende bate gee om vir jou geliefdes agter te laat.

Nadele:

Addisionele sekuriteitsbesorgdhede. Misdaad is ‘n werklikheid in Suid-Afrika, en as ‘n eiendom vir ‘n lang tydperk leeg staan, mag misdadigers dit opmerk. Maak seker dat u in ‘n goeie sekuriteitsstelsel belê en gereelde monitering van ‘n plaaslike private sekuriteitsmaatskappy kry.

Addisionele uitgawes. As die verband op u voormalige familiehuis nie afbetaal is nie, of as u ‘n nuwe vakansiehuis gekoop en gefinansier het, sal u maandelikse terugbetalings moet insluit wat aan rentekoersverhogings onderhewig sal wees.

Addisionele verantwoordelikhede. Afhangend van die grootte, ligging en of u dit verhuur of nie, kan die verantwoordelikhede van ‘n vakansiehuis sommige van die “sluit-en-gaan” voordele wat deur afgetredenes begeer word, verminder.

Afsluiting

Afgetredenes wat dit oorweeg om in ‘n vakansiehuis te belê, word aangemoedig om die bykomende verantwoordelikhede in ag te neem – en indien moontlik, om hulp te vind om die las te deel. Praat met familielede. As hulle die voordele van ‘n vakansiehuis wil geniet, is hulle miskien ook bereid om te help om dit te bestuur.

Jou ‘goue jare’ behoort ‘n tyd van ontspanning en genot te wees – en jou seehuisie moet strandwandelinge en sonsopkomsmeditasies fasiliteer, en nie bydra tot addisionele stres en finansiële druk nie.

GESKRYF DEUR GUS VAN DER SPEK

Gus van der Spek is die eienaar van die Kaapstad-gebaseerde aftree-ontwikkeling, Wytham Estate.

 

Hierdie artikel is ‘n algemene inligtingsblad en moet nie as regs- of ander professionele advies gebruik of staatgemaak word nie. Geen aanspreeklikheid kan aanvaar word vir enige foute of weglatings of vir enige verlies of skade wat voortspruit uit vertroue op enige inligting hierin nie. Kontak altyd jou adviseur vir spesifieke en gedetailleerde advies. Foute en weglatings uitgesluit (E&OE).

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Carla Cloete

Partner | Attorney, Conveyancer & Notary | LLB

Carla obtained her LLB at the North West University, Potchefstroom Campus in 2015. She completed her articles in 2017 with Brits Dreyer Inc in Bellville. She is an admitted Attorney, Notary and Conveyancer. After her articles she relocated to Kimberley where she worked as a professional assistant in the Conveyancing department of Van de Wall Inc. Coming back to her Western Cape roots, she now joins the PP Smit team as a professional assistant.

Carien Hamman

Attorney & Notary | LLB

Carien grew up and matriculated in the picturesque town of Ceres, whereafter she furthered her studies at the University of Stellenbosch and obtained her LLB degree in 2015. She completed her articles at VanderSpuy Cape Town in 2017 and stayed on as an associate litigant after being admitted as an attorney during early 2018. Carien loves the countryside and thus ventured back to Ceres where she joined Joubert Van Vuuren Inc. for a year. However, when she was presented with the opportunity to enjoy both the country- and the seaside, she couldn’t resist and joined PP Smit Attorneys at the beginning of 2022 as an avid litigator. When she is not at the office, Carien enjoys long walks, wine tasting, and exploring the area with her family and friends.

Harmann Potgieter

Attorney | LLB | NQF 7

Harmann graduated in 2018 with an LLB degree from the North-West University’s Potchefstroom Campus. He went on to study and grow in various fields, including doing a course on the Consumer Protection Act and a course at the University of South Africa where he obtained his NQF 7 Certificate in the Administration of Deceased Estates.

Harmann completed his articles of clerkship at Swemmer & Levin under the supervision of Mr Richard Phillips. After being admitted as an attorney in 2020, Harmann continued with PP Smit Attorneys as a professional assistant in the deceased estates department as well as the litigation department. He loves to study, possesses a deep curiosity about the world, and is dedicated to giving back to the community.

Andre van der Walt

Partner | Attorney | LLB

Andre graduated in 2015 with an LLB degree from the University of Pretoria. He later went on to obtain his NQF 7 Certificate in the Administration of Deceased Estates from the University of South Africa, which allowed him to further his career in deceased estates and the drafting of wills and trusts. Andre served his articles at Barnard & Patel Attorneys under the supervision of Mr YAS Patel. After being admitted as an attorney in 2016, he continued working at Barnard & Patel Attorneys as a professional assistant in the deceased estates department.

Andre joined Van Rensburg Attorneys in 2019 and was head of the deceased estates department until 2021. He then received the opportunity to move to the West Coast, where he joined Swemmer & Levin Attorneys, and not too long after that, he grabbed the opportunity to work at PP Smit Attorneys. Andre loves travelling and enjoys the beauty that our country has to offer with his friends, family, and loved ones.

Jandré Smith

Partner | Attorney | LLB

Jandré grew up and matriculated in the small Klein Karoo town of Oudtshoorn. He furthered his studies at the North-West University in Potchefstroom, obtaining his LLB degree during 2015. He completed his articles at Swemmer & Levin in 2017 and was subsequently appointed as a professional assistant. In 2020, Jandré was promoted to the position of director of the firm, where he practices in the Litigation department. Jandré additionally joined the partnership of PP Smit Attorneys during the same year. When not practising law, Jandré is an avid sports fan. He has a passion for nature and enjoys camping, trail running, and mountain biking with his family.

Richard Phillips

Partner | Attorney | Bcom & BProc

After matriculating at Paarl Boys’ High School, Richard completed his BCom and BProc degrees at the University of Port Elizabeth. He served his articles with Van Wyk Fouchee in Paarl and quickly developed an affinity for litigation. Richard has always had a deep love for the ocean and when he was presented with an opportunity he joined the partnership of PP Smit Attorneys during 2006. Richard specialises in general litigation and divorces. When he is not in the office or with his family, he tries to spend as much time as possible in or on the water.

Johann Maree

Partner | Attorney | BA. LLB

Johann matriculated at Oudtshoorn High School and attended Stellenbosch University, where he obtained his BA Law and LLB degrees. Following his studies, he worked for three years as State Prosecutor at the Magistrate’s Court in Cape Town. Johann completed his legal training with the State Attorney in Pretoria and then moved to his hometown, Oudtshoorn, where he worked as a lawyer for a year. In 1983, he moved to Vredenburg and joined Swemmer & Levin, where after he joined the partnership of PP Smit Attorneys during 2006.. When he is not in the office, Johann enjoys cycling and in his earlier days, he used to be a long-distance junkie.

Pieter Smit

Partner | Attorney & Conveyancer | BA. LLB

Pieter obtained his BA Law degree from Stellenbosch University in 1995 and his LLB degree from the North-West University in Potchefstroom in 1998. He served his articles at Marais Muller Attorneys from 1998 to 1999 and was admitted as an attorney in 2000 and as a conveyancer in 2002. Pieter is the founder of PP Smit Attorneys, which opened its doors in 2004. He also became a director of Swemmer & Levin in 2006. Pieter loves the outdoors and participating in all forms of sport, including tennis, golf, fishing, spearfishing, scuba diving, and hiking.

Jan Fourie

Partner |  Attorney, Notary & Conveyancer | BA. LLB

Jan graduated in 1974 with a five-year BA LLB degree from the University of Stellenbosch, whereafter he was admitted as an advocate and prosecuted as such in the Cape Town and Wynberg Courts. In 1974, he joined Swemmer & Levin as the Candidate Attorney of Mr Levin (founding member) and was admitted as an attorney on 7 April 1976, as a conveyancer on 11 January 1978, and as a Notary on 19 December 1984. Since 1974, he has served in various committees, including the West Coast Chamber of Commerce, the Vredenburg School Committee, and the Malgas Lions Club. In 2004, he also joined the partnership of PP Smit Attorneys.

Furthermore, Jan was the author of the first bilingual law book, The New Debt Collecting Procedures (Die Nuwe Skuldinvorderingsprosedures), which was used by all the Magistrate Courts throughout South Africa. With the founding of the Small Claims Court in Vredenburg, Jan served as one of the first Commissioners.