Ngubani okhokhela isikweletu uma kwenzeka ukufa komboleki: umthetho, imithetho yokukhokha kanye nezincomo

Ukufa komuntu othandekayo kuhlale kuyinhlekelele. Kodwa ngezinye izikhathi kubangela imibuzo engavumelekile, ephathelene nezimali. Futhi cha, akulona ifa, liphathelene nemalimboleko. Esikhathini sethu, abaningi basebenzisa izinsizakalo zamabhange - benza imali yokukhokhela imali, izikweletu. Kodwa ngubani okhokhela isikweletu uma kwenzeka oshonile efa? Yebo, kukhona impendulo yalo mbuzo.

Ubani onomthwalo wemfanelo?

Isihloko sinzima kakhulu. Impendulo yombuzo othi ubani okhokhela isikweletu uma kwenzeka ukufa komboleki kuxhomeke ekutheni ubuningi be-nuances bungakanani. Futhi kudingeka adweliswe.

Ngakho-ke, icala elivame kakhulu - isikweletu sihamba ngefa. Ake sithi indoda esebekhulile yafa, indodana yakhe ishiya, futhi yabeka kuye imali yakhe nempahla yakhe. Kodwa nalokhu, umuntu uthola isikweletu somzali wakhe. Yini okufanele ngiyenze?

Qala kuqala ukulinda amalungelo efa afinyelele emthethweni. Ngokuvamile lokhu kwenzeka ngemva kwezinyanga ezingu-6 emva kokufa. Ngalesi sikhathi izindlalifa zihlanganyela impahla kanye nezikweleti zomuntu oshonile. Uma bevuma ukukhokhela isikweletu ngemvume, khona-ke isivumelwano sokuthenga ngesikweletu sidluliselwa. Nakuba ngokuvamile ngokuvamile ibhange ngeke lilinde ukuphela kwezinyanga ezingu-6 futhi liqale ukufuna ukukhokha ngokushesha. Kodwa! Kunoma yikuphi, indlalifa izokhokhela izikweletu zesihlobo ngokusho kwempahla ayitholile. Uma, uthi, unezinhlamvu ezingu-300 000, futhi oshonile kufanele abe yibhange elingamamiliyoni, akaphoqelekile ukuba anikeze imali yakhe yokukhokha.

Ngesibambiso

Lokhu akukona konke okudingeka ukwazi ngakho ukuthi ngubani okhokha imali uma kwenzeka umboleki efa. Kuthiwani uma isikweletu sakhishwa ngumuntu oshonile ekuvikelekeni kwempahla etholakale? Izindawo, isibonelo, noma imoto? Kulokhu, indlalifa ithola isihloko sesibambiso kanye nelungelo lokuyilahla ngokuthanda. Futhi kunezinketho ezimbili. Futhi yilokho abayikho:

• Ukuqeda isikweletu esisele. Ukusebenzisa imoto ethengiwe noma uhlale endlini ekhishwe yisihlobo esikhwameni sokuthenga.
• Thengisa indaba yesibambiso. Ngakho-ke kuyokwenzeka ukubulala izinyoni ezimbili ngetshe elilodwa - ukuvala isikweletu futhi ukuthatha "inzuzo" ngokwayo.

Ngendlela, kunezimo lapho kuvela ukuthi impahla kanye nokugcinwa komuntu oshonile kuklanyelwe umuntu ongakakhuli. Ubani okhokhela umboleko uma kwenzeka umboleki efa kulokhu? Abazali noma abanakekeli bezingane ezincane. Kodwa ngesikhathi esifanayo ibhange lizicabangela zonke izinyathelo zomthetho. Njengoba kubalulekile ukuthi akukho okuphikisana namalungelo wabantwana.

Endabeni yemali ebolekiwe

Lesi yisimo esikhethekile. Uma imali ebolekwe ngumuntu owashiya leli zwe yayiyi-insured, kungaba lula ukuyibuyisela kunamanye amacala. Kungani? Kodwa ngoba lokhu kuzosingathwa yinkampani ebolekisa imali. Kodwa-ke, ngisho nalapha kukhona izingibe.

Akekho ofuna ukuhlukanisa nezindlela zabo, ikakhulukazi izinkampani zomshuwalense, futhi kukhona amathuba amakhulu okuhluleka. Ukufa komkweleti kumane kungabonakali njengesimo somshuwalense! Lokhu kwenzeka uma umuntu efile:

• Empi noma ejele / coloni yokubusa okunzima.
• Ngesikhathi sezemidlalo eqondile (ukudonsa noma ukuqhuma kwe-parachute).
• Ngenxa yokutheleleka nge-radiation noma isifo se-venereal.

Uma icala lingavumelani nanoma yini engenhla, umshuwalense, ungafisi ukukhokha isikweletu, ungabhekisela eqinisweni lokuthi umuntu ushiye ukukhanya ngenxa yesifo esingapheli. Uma, ethi, wafa ngenxa yobuthi obudakayo, khona-ke ama-agent ayenamandla okumemezela ukuthi kungenxa yesibindi sakhe esingenampilo. Ingabe wayebhema kakhulu? Khona-ke wonke umuntu uzobhala phansi ngezifo zenhliziyo ezizalwa. Kodwa lokhu kuvame ukuqhutshwa nezinkampani ezingekho emthethweni. Lawo mafemu ahlala emigqeni yokuqala ekulinganiseni okuthembekile aqotho.

I-Surety

Futhi kuthiwani mayelana nokukhokha imali mboleko uma kwenzeka kufa, uma kungenjalo? Yilokho isimo esichazwe ekuqaleni. Isikweletu sizuzwe njengefa. Kodwa isinqumo esikhethekile ukuthi lapho kwenziwa isikweletu, umuntu waphendukela ku-guarantor ukuthola usizo. Lona - isisebenzi sokuvolontiya, esivame ukufakwa embuthanweni wabantu abaseduzane, okuqinisekisa ukuthi i-solvency yomuntu obolekiwe. Akuwona wonke umuntu ovuma ukukhuluma endimeni yakhe, ngoba uma kwenzeka okuthile kumuntu, isikweletu sizowela emahlombe we-guarantor. Kuzodingeka anganiki nje kuphela izikweletu zamabhange, kodwa nazo zonke izinzuzo ezifanele kanye nezindleko ezithathwe ngumbolekisi ukuletha u-guarantor ubulungiswa.

Ukuvuselelwa kwe-guarantor

Futhi lapha kukhona ama-nuances. Isibonelo, isikweletu sakhishwa umuntu onomntwana omdala osebenza kahle - izindlalifa. Kodwa umxhasi wakhe wayengumngane oseduze. Yini-ke? Kulokhu, isikweletu kumele sikhokhwe izindlalifa. Kodwa uma bengenangqondo, bangakwazi ukuyikhathalela. Futhi "ukukhokha izikweletu" kuzodinga i-guarantor. Kodwa! Unelungelo eligcwele lokufuna kusuka kumsulwa wendlalifa ongenamkhawulo wokulimala kwempahla ngokugcwele, ebhekisela ezinkantolo. Yiqiniso, lokhu kungemva kokubolekwa kwemali mboleko.

Yini okudingeka uyikhumbule?

Kunezinhlobo eziningi ze-nuances eziphathelene nokukhishwa kwalabo abazokhokha imali mboleko uma kwenzeka ukufa komboleki. Nansi omunye wabo: ibhange, naphezu kokufa kwekhasimende layo, liyaqhubeka nokukhokha inzalo. Kunezizathu zalokhu. Indlalifa, ngokusho kwemithetho, iqala ukuboleka izikweletu zalabo abashiye kusukela kulolo suku, njengoba eshiya leli zwe. Kodwa namacala athile, izinhlawulo kanye nezinhlawulo zingenziwa inselele futhi zikhanseliwe. Kodwa-ke, udinga ukuya enkantolo ngalokhu. Kodwa ngokuvamile, uma lowo obolekayo ekhokhele izikweletu njalo futhi ebonisa ngokholo oluhle, ibhange liyakucabangela lokhu njengesizathu esihle futhi izinkokhelo ezisheshayo ngenxa yokufa zikhanseliwe.

Izenzo

Noma kunjalo, akukafaneli. Ubani oyokhokha imali uma kwenzeka umboleki efa, uma engekho indlalifa? Akekho-ke, ngakho-ke kubalulekile ukuqoqa imicabango bese ulandela le miyalo:

• Okokuqala uthole isitifiketi sokufa.
• Bese-thintana nebhange ukuze ubike lesi sigameko. Kungcono ukuza emnyangweni, futhi ngokushesha ngesitifiketi sokufa.
• Khona-ke udinga ukuya ku-notary. Lapho, isitatimende sokwamukela ifa sihlanganiswa futhi siqinisekisiwe.
• Isigaba esilandelayo yisikhathi esingangezinyanga eziyisithupha ukulinda. Njengoba sekushiwo kakade, emva kwezinyanga ezingu-6, umuntu uzongena amalungelo omzukulu.
• Khona-ke udinga ukubuyisela intela ukuze ukhokhe amaphesenti athile wefa.
• Emva kwalokho, lo muntu kumele abuyele ebhange ukuze ahlele kabusha isivumelwano sesiboleko futhi aqale ukukhokha izikweletu.

Njengoba kungabonakala, akukho lutho oluyinkimbinkimbi, ngakho-ke kuyadingeka ukubhekana nalezi zindaba ngokushesha ngangokunokwenzeka. Isikweletu kanye nokufa komboleki kuyinkathazo enkulu, kodwa ngokushesha lapho umuntu eqhubeka nezenzo ezingenhla, kungcono.

Ungakugwema kanjani ukugwetshwa?

Izincomo ezingenhla zingasiza abantu ababhekene nenkinga okuxoxwe ngayo. Kodwa kuyadingeka yini ukubuyisela le mboleko uma kwenzeka umuntu ebolekayo efa? "Ngokuqinisekile ungayigwema ngalendlela?" - Abantu abaningi babuza lo mbuzo. Yebo, ngempela ungakwazi. Ngenxa yalokhu, indlalifa kufanele ilahle yonke impahla eyayikelwe kuye. Kungakapheli izinyanga eziyisithupha.

Ngaphambi kokuthatha isinqumo ngalesi sinyathelo, kubalulekile ukucabangela konke, njengoba ukwenqaba impahla enqatshelwe ukungahambisani nokushintsha noma ukubuya. Omncane, ngendlela, angalahla ifa kuphela uma ethola imvume esemthethweni yeziphathimandla zokugcina.

Futhi kuthiwani uma i-guarantor yomboleki eshiya lokhu kukhanya nayo yafa? Lokhu kwenzeka, noma kunjalo, ngokungajwayelekile. Ezimweni ezinjalo, isikweletu asidluliselwa kwezinye izindlalifa kanye nabantu abaseduze. Kwenzekani emalimboleko uma kwenzeka ukufa komboleki kanye ne-guarantor? Lokhu kufanele sikhathazeke kakade ngabaphathi bebhange - cishe, bazobheka abahluleli.

Ulwazi lwabambisene nabo

Manje ungafaka isicelo sokuboleka imali kumuntu othile. Ngesihlobo, noma kunjalo, noma "ngesigamu sesibili" esisemthethweni. Khona-ke abantu ababili abanquma ukufaka isicelo ebhange ngokuboleka imali, baba bobolekayo. Kodwa uma kwenzeka ukuthi omunye wabo ufe, ngubani ozokhokha?

Ukukhokhwa kwemalimboleko uma kwenzeka ukufa komboleki kuyadingeka. Kunezinketho ezintathu. Futhi yilokho abayikho:

• Umbolekayo uya ebhange ngesitifiketi sokufa futhi uvuselela isivumelwano sesibolekiso. Ngenxa yalokho, zonke izikweletu zihanjiswa emahlombe akhe.
• Umuntu uthola umuntu ongamsiza ekukhokheni. Okusho ukuthi, ukuze abe umqashi omusha. Nokho, yena nemali engenayo kumele bahlangabezane nezimfuneko zebhange.
• Umbolekisi uzimisele ukushiya ingxenye yesikweletu somuntu oshonile, futhi uyaqhubeka ekhokha kuphela "ingxenye" yakhe.

Icala lokugcina likhethekile. Ngakho-ke, isibonelo, uma abambisene nabo bekhipha imali ekhethekile yokuthenga indlu, ibhange lizothengisa izindlu. Ngenzuzo, uzokhokha isikweletu sabo esisele. Kodwa ingxenye eyayikhokhelwe yona lowo oboleke naye, owayengumdala ngaphambili, uyonikwa yona.

Mayelana nokuphulwa

Abanye abantu abazuze njengefa njengefa kuphela, kodwa futhi nezikweletu ngamalimboleko, banquma "ukukhipha" ibhange. Abayeki impahla yabo, kodwa akwenzi lutho ngalokhu ngenhla ukuze babhalise kabusha isivumelwano sesibolekiso. Kulesi simo, ibhange lisebenza ku-executive service. Futhi-ke indlalifa, ozisole ngemali yokukhokha izikweleti, kuzodingeka iphendule ngaphambi kwenkantolo futhi ilahlekelwe ukukhokhela kuphela ukubolekisa imali kanye nesithakazelo, kodwa futhi ukubuyisela izindleko zezimali ebhange. Uma kungenjalo, kukhona ingozi yokulahlekelwa impahla. Ibhange lingamane lidayise ukuze libuyise ukulahlekelwa kwalo.

Kodwa-ke, uma lowo obolekisayo engazange azibophe ezinyangeni eziyisithupha emva kokufa komthengi, imali ebolekwayo ikhanseliwe. Lokhu, futhi, kufanele kukhunjulwe.