Ukubambezeleka iholo: izingozi futhi yalokho okungase kulandele.

Eminyakeni yamuva, lapho ukuntengantenga komnotho uya shaking umnotfo wasekhaya, abaqashi abaningi uzama ukulondoloza imali, alibale amaholo abo abasebenzi. Nokho, ngokungafani eminyakeni eyedlule, umtsetfo lokhona kunalokho isandla ulawula ubudlelwano phakathi isisebenzi kanye nomqashi. Ngakho-ke, inkokhelo ukubambezeleka ithwala ingozi eliphezulu umqashi.

Ikakhulukazi, Umthetho woMnyango lisho ngokucacile ukuthi umqashi kumelwe ukhokhele umsebenzi abasebenzi babo kungakhathaliseki isimo izindaba zakhe zezezimali.

Cabanga, ukuthi amalungelo isisebenzi uma ongawamukeli amaholo abo ngesikhathi ngenxa iphutha umqashi. Ngaphansi Labor Ikhodi (st.236), amaholo alibale vdet yokuthi umqashi kufanele ke ukukhokha futhi isinxephezelo. Isinxephezelo sokulibala inkokhelo enqwabelene e inani elilingana 1/300 we refinancing okuthiwa. Lokhu kulinganisela ibalwa isamba usayizi yokungakhokhi ngalunye usuku kokulibala. Ukubalwa uqala ezicela kusukela osukwini olungemva, lapho kwakudingeka balungise nokukhokhwa amaholo kanye kuze kube usuku lapho komnikazi langempela phakathi komsebenzi kanye umqashi zizokwenziwa. Ngokuvamile, lezi izibalo zenziwa ngokuzenzakalelayo uhlelo kwabasebenzi.

Ngokusekelwe osekushiwo, ukuze ukubala isinxephezelo ngokuthatha isikhathi eside inkokhelo, nemingcele ezilandelayo kumele kubhekwe:

1. Inani elivamile inkokhelo ezingakhokhwanga. Umbuzo noma cha acabangele e lemali yentela ngemali engenayo siqu, ngenkathi hhayi kusungulwa ngokucacile emthethweni. Abaningi siholwa Izihloko soMthetho Wobudlelwano Ikhodi, othi isinxephezelo kufanele kwenziwe inkokhelo engakhokhiwe, kanye ezandleni kunikezwa iholo isivele sisuswe kwentela yengeniso kanye isinxephezelo akuniké intela ebanjwayo.

2. Umngcele olandelayo inani lezinsuku sekwephuzile izinkokhelo. Njengoba kuphawulwe ngenhla, ukubambezeleka amaholo ubalwa kusukela osukwini olungemva ngosuku uma inkokhelo okumelwe kwenziwe. Futhi senkokhelo suku.

3. Futhi inketho yokugcina - kuba 1/300 of the rate refinancing we RF Tsentrabanka. Njengoba ubukhulu bayo kushintsha njalo, kakhulu ubukhulu ukubheja kakhulu ucacise website esemthethweni Tsentrabanka.

Lapho yonke nemingcele ezintathu zaziwa, isinxephezelo ukubambezeleka iholo ibalwa ngokuvele azalane kubo: ubukhulu langempela yesikweletu ngaphansi iholo, inani lezinsuku kokulibala, 1/300 we CBR izinga.

Abasebenzi futhi kuwufanele azi, futhi abaqashi ungakhohlwa ukuthi kukhona isinxephezelo kungakhathaliseki iphutha womqashi. Okungukuthi, ngisho noma umqashi akazange abe imali ukubala kwabasebenzi, isinxephezelo isazoqhubeka tihlolwe.

Ngaphezu kwalokho, uma ukubambezeleka iholo kuyinto kwamasonto amabili, isisebenzi lomthetho ilungelo hhayi ukuya emsebenzini ukukhokha izikweletu. Nokho, kufanele umqashi aziswe ngalesi ngokubhala. Ngesikhathi esifanayo, ngokuvumelana ukucaciseleka yamuva Armed Forces, esingashintshi kuze kufinyelelwe esikhathini ukungabi khona abasebenzi emsebenzini inhlangano ubophekile ukuba uzikhokhele-wathola ngalesi sikhathi komholo.

Kodwa kukhona imininingwane ehilelekile encane, ngoba lezo zigaba lezisebenzi njengoba izisebenzi zombuso, abasebenzi nabasebenzi ukukhiqizwa enobungozi ehilelekile ugesi, igesi, amanzi, ngifudumeza, ukunakekelwa kwezempilo kanye nezokuxhumana, ayikwazi ukumisa okwesikhashana imisebenzi yayo.

Kule ndaba, namuhla, abaqashi uzame ukugwema ezinjengokungcoliswa ukubambezeleka inkokhelo, futhi enza konke okusemandleni akhe ukuba abuyisele ke. Uma kungenjalo, uma inqubo kokuqina kuzokhuphula inani izikweletu futhi isinxephezelo izinkokhelo, okungase kuholele ekubeni uthunyelelwe ucabanga ibhizinisi.