Abanikazi Isithakazelo - ubani lo? Indlela yokugwema ekubeni zimali ukukhohliswa

Kwase kuzoqala igagasi bankruptcies izinkampani ukwakhiwa uye hit ingcebo zimali, ngubani ngiphuphe siqu emizini yabo emisha. Njalo abanikazi isithakazelo - kuba lowo ophathwe kabuhlungu, abangagcini nje walahlekelwa imali, kodwa isikhathi eside ehlukanisiwe isifiso sakhe ukungena efulethini entsha. Kanjani ukuba bangaweli ogibeni kwezithembiso bamanga onjiniyela? Masizame bahlanganise imithetho eyisisekelo ukusebenza abameleli izinkampani zokwakha.

Bobani zimali ingcebo

Okokuqala ake baqonde amagama. Onjiniyela - enkampanini yokwakha kanye nabameli babo, nokunikeza ukuthenga efulethini elingaphansi kwesakhiwo yokuhlala sidle. Njengoba ojwayelekile, amafulethi kulesigaba akubizi, kodwa ukungena izindlu esinjalo singeze sibe. Onjiniyela Unelungelo ukunikela efulethini ukuqaliswa kunoma yisiphi isigaba ukwakhiwa.

abanikazi Isithakazelo - ukuthi umuntu unelungelo ingxenye (share) endlini kuyakhiwa, ngokuvamile kungagcini isikhala ephilayo, lapho yena uya axazulule ngemva bengena ebhilidini ukusebenza. Zombili izinhlangothi - futhi kunjiniyela, futhi abanikazi nokulingana - unesithakazelo ukwakhiwa Izakhiwo zokuhlala. Khona-ke lona wamuva uzokwazi uyohlala endlini, futhi unjiniyela - ukuze uthole imali.

Lowo Mbhalo wangonyaka we eziyisisekelo abanikazi isithakazelo

Isinyathelo sokuqala ukubona uma inkampani ukwakhiwa ukusebenza ngaphakathi 214-FZ. Kuyinto lo mthetho kahulumeni yakha ubuhlobo "isithakazelo abanikazi-Umakhi" futhi uchaza inqubo efanele nokuxhumana nalabo abafuna ukuthenga ifulethi, labo abadinga ukwakha kuwo.

Inkontileka tekuhlanganyela share ukwakhiwa (DDU) - idokhumenti Kumele ungene futhi kunjiniyela, futhi abanikazi benkampani. Lo mthetho livikeleke umthetho futhi abophe. Kuvumela PO abathengi esizayo ezindlini ongakulindela ukubuyiselwa imali kwenzeka ucabanga inkampani ukwakhiwa. yemizi zimali kudingeka sikhumbule ngokucacile ukuthi DDU kuphela guarantor futhi samukelwa enkantolo. Kungani i-onjiniyela ekujaheni ukukhipha ama-PO, unikele ukuba asayine imibhalo okuhluke kakhulu?

sivumelwano olwandulelayo: liyinkohliso abanikazi isithakazelo

Indlela elula futhi enokwethenjelwa bakopele iziqashi esizayo - ukunikeza yena hhayi ukuze asayine inkontilaka we ukwakhiwa ngokuhlanganyela, kanti futhi "cishe okufanayo" idokhumenti kusolakala eqinisekisa ukuhambisana wonke amalungelo iziqashi esizayo. Lo mbhalo ungase anamagama ahlukene. Igama ezivamile - "sivumelwano kwangaphambilini". Ingqikithi yale iphepha kanje.

I kwangaphambilini inkontileka sipho ukuphetha ngesikhathi kwakhiwa, othembisa ubambiswano agcwele. Kuyaqondakala ukuthi isivumelwano sokuthenga izonikwa ne entshisakalweni abanikazi kuphela emva ukwakhiwa ekupheleni amakhaya amasha kanye indawo yokuhlala uzobe ethunywe.

Kodwa njengoba umthetho, abameli abekho inkontileka liyahlonywa kungekho inhlansana yokuthambekela Ukuvikelwa co-zimali. Le mibhalo ezingabhaliswanga kuphi, futhi zingephulwa unilaterally. sivumelwano olwandulelayo engabondli abakubo kwemali - konke kwesivumelwano mutual ulawula nokulingana. Ngenxa yalokho, abatshalizimali ukukhohliswa asamukelanga into ebaluleke kakhulu - iziqiniseko ezikhona emthethweni oku ukwakhiwa ngokuhlanganyela. Umuntu etshaliwe imali:

• hhayi oVikelwe yinoma yimuphi yokuthengisa double izindlu efanayo;
• It has no ithuba lokwenza isikhalazo on ikhwalithi kanye isikhathi ukwakhiwa;
• It has no esisemthethweni izindlela ingcindezi unjiniyela.

Ngaphezu kwalokho, abameli ukuxwayisa izivumelwano kwangaphambilini kungenziwa waqaphela ungumkhohlisi kuthengiselana.

Isikimu promissory inothi

Lapho uhlelo uMthethosivivinywa zimali ikhasimende kumele ungene ezivumelwaneni nazo, ezimbili - ukudayiswa kwesikhashana futhi ukuthenga promissory amanothi. Uma uthi nhlá, kubonakala kuyinto bill zokwenana isiqinisekiso ubudlelwane okuthembekile, futhi idokhumenti yokukhokha zizokwenziwa luhlala inkontileka enkulu. Kodwa lo mthethosivivinywa ngeke kwamukelwa yinkantolo njengoba siqiniseko: unjiniyela unelungelo eligcwele senqabe abanikazi isithakazelo LCD ukuze asayine inkontilaka main, ibuyisele le mali ngaphansi bill, futhi uthengise efulethini komunye umuntu.

Yini okumelwe siyibheke imibhalo design?

Ngaphambi kokuba uthenge efulethini isakhiwo esisha, kufanele uqiniseke ukuthi umqambi lithole imvume yokwakha futhi inqubomgomo oluvumelekile umshwalense isithiyo. inqubomgomo enjalo kungaba isiqinisekiso ebhange noma inkontileka egcwele nge ngomshuwalense.

Uma unjiniyela inikeza ukungena PO, kufanele uqiniseke ukuthi abezindaba noma Inthanethi nge imibhalo design saleso senzakalo esizayo umkhankaso. Yembula izinhlelo umthuthukisi ubophekile ukuba kufike izinsuku ezingu-14 ngaphambi kokuba basayine inkontileka DDU kuqala. Hlola ukuba yiqiniso kwalesi ukwakhiwa kungaba ummeli. Ngakho-ke, kuyasiza ukucela ifomu inkontileka, lomthetho, izimvume, amaphepha iphrojekthi bese uhlole amaphepha kusuka ummeli oqeqeshiwe.

Isinyathelo esilandelayo ukuhlaziywa ukuthembeka unjiniyela - ekutadisheni umphakathi obabheka ngayo. Kungcono aqonde nokuhlolwa inkampani ukwakhiwa phezu Izibuyekezo esele ku inethiwekhi co-zimali. Umthuthukisi kumele abe nedumela okuqinile, isipiliyoni esifanele ekufezeni umsebenzi wokwakha futhi isakhiwo esisha sha, izinga ukwakhiwa ezingasetshenziswa yakha umbono.

Funda ngomlando ukwakhiwa ikhaya elisha kusukela mzuzu Ukukhishwa imvume kuze kube manje. Mhlawumbe bomnotho buye baphoqa inkampani ukwakhiwa ukumisa ukwakhiwa entsha. Isikhala ephilayo, okuyinto wanikela ukudayiswa, usuvele uphethe abanye abatshalizimali ingcebo abenza nje uzama ukulondoloza imali yabo.

Imigomo Vakashela

Qiniseka ukuthi uvakashela isayithi ukwakhiwa, okuyinto lakhiwa isakhiwo esisha. Eduze nje esakhiweni ngo-kocingo kukhona ulwazi mayelana Umakhi, ikhasimende, nezinsuku eseduze kokuqedwa lisetshenziswa yokuhlala. Kufanele uqinisekise idatha Imininingwane ibhodi ne Ukwaziswa okwethulwa PO. I iphutha kancane kungenzeka isisekelo ukuqedwa share umhlanganyeli sivumelwano - lena isikhalazo ngqo enkantolo sokubuyiselwa imali futhi isinxephezelo. Zonke amaphuzu ngabazeka kuxoxwa nge ummeli wakho noma ikheli hotline we neziphathimandla zendawo.

Sithemba ukuthi lezi amathiphu alula kuzokusiza ngesikhathi futhi ngaphandle kokulibala, uthole izindlu eside elindelwe. Ngikufisela inhlahla!