Isivumelwano esilandelayo emkhakheni wezinsizakalo kanye nokuthengisa

Ekusebenzeni komsebenzi wezohwebo, akuyona into engavamile ngesimo uma insizakalo inikezwa noma ihanjiswa umuntu oyedwa (eqinile), ithola enye, futhi umkhokheli ngowesithathu. Kulesi simo, isivumelwano esithathu sizoba yisisombululo esihle kakhulu. Ebudlelwaneni bamazwe ngamazwe, ngokubambisana kwezinhlangano, izikhungo, amazwe, lezo zivumelwano zamukelekile futhi zivame ukuvumelana kwezivumelwano.

Iziphi izimo isivumelwano esilandelayo esasetshenziswa? Isibonelo esihle ngumshuwalense wokuzithandela. Kulokhu, umuntu noma inhlangano esemthethweni isebenza njengomnikazi wezinqubomgomo. I-(noma omunye umuntu, isibonelo, ingane noma isibonelelo ) ingafakwa inshuwalense, futhi umuntu wesithathu inkampani yomshuwalense. Ngokufanayo, ifomu lesivumelwane sokuqinisekisa esithathu . Isibonelo, ukwenza ukuthenga kwezimpahla ngenani elithile, umthengi kufanele anikeze iziqinisekiso zokukhokha, futhi ngezizathu zomgomo angazibaniki. Kulesi simo isivumelwano esiphezulu siphethwe phakathi komthengi, umdayisi nom guarantor, lapho inani lemfanelo, isikhathi sokuqinisekisa, inani leziqinisekiso kanye nemibandela yokwanelisa izimangalo zibekiwe.

Ekusebenzeni kwezohwebo, lezo zinkontileka zokuthenga zivame ukusetshenziswa. Lokhu kungafaka isicelo ekuthengeni impahla, uma into ithola umuntu oyedwa komunye, futhi inkokhelo yenziwa okwesithathu. Esikhathini sokunikezela, inkontileka yesithathu yokunikezela ingaba usizo kakhulu, ngoba yenza ubuhlobo phakathi komthengi, umphakeli nomamukeli obala. Kubonisa ngokucacile ukuthi yikuphi futhi yimaphi amagama atholakele izimpahla, owukhokhela, yiziphi izimo nokuthi yiluphi uhlobo. Kubaluleke kakhulu ukucabangela yonke imininingwane (kanye nokulawula lapho izingxabano zixazululwa) ngaphansi kwalolu hlobo lwenkontileka phakathi komthengisi, umthengisi kanye nomamukeli wokugcina. Eminye imibhalo enjalo ewusizo emisebenzini yokuhweba ingase ibe izivumelwano zokuqinisekisa, ukuqashiswa kwemali kanye nokubolekisa.

Emkhakheni wezinsizakalo, kunesivumelwano okuthiwa i-tripartite yesivumelwano. Kulesi simo, isevisi (isibonelo, ukwakhiwa nokufakwa kokusebenza, ukuxhumeka kwenethiwekhi, ukuthuthukiswa kwewebhusayithi, izinsizakalo zokuklama) kuvela ekubeni umuntu oyedwa komunye, futhi umuntu wesithathu (uxhasayo, umtshali-zimali) unakekele ukukhokha. Ngokuvamile, izivumelwano ezinjalo ziphetha uma omunye wezinhlangano engenhlangano engenzi inzuzo noma insizakalo. Ubuhlobo obuhlukahlukene bokuhweba, lapho omunye wabantu engumxhumanisi, kungabhekwa njengenkonzo yokukhuthazwa kwezimpahla noma ukusungulwa kobudlelwane bamabhizinisi. Ukuze kuqinisekiswe ukuthi umlamuleli uqinisekisiwe ukuthunyelwa kwakhe , futhi amaqembu ayeqiniseka ukuthi akadluli igunya lakhe, kuvumelwane isivumelwano esithathu. Idokhumenti kumele icacise ngamalungelo nezibopho zomxhumanisi, umphakeli nomthengi wokugcina. Ngokwenza njalo, zivame ukubhekana nezimo lapho umxhumanisi enze ingxenye yakhe yomsebenzi, kodwa noma yiziphi izinhlangano azifuni ukukhokhela izinsizakalo zakhe. Ukuze ugweme lokhu, kuyadingeka ukuthi uchaze ngokucacile lokho okuzobhekwa ngokuqondile "ukusebenza komsebenzi wokukhulumisana" ngaphansi kwalesi sivumelwano. Kwezinye izimo, ilungiselelo elinjalo lingase libe inhlangano yomhlangano wama-counterparties, kanti kwabanye, ngemva kokudlulisela izimali kumakhasimende, i-intermediary izokwazi ukuthola umvuzo wayo.