Xa ndithetha nabantu abakulungele ukuthenga okanye ukuqala ishishini, bahlala besitsho ukuba bayafuneka ukuba banike isiqinisekiso somntu siqu ukuze baqeshe indawo yoshishino labo. Uninzi lwabacebisi bezebhizinisi bathi kufuneka uhlale uhlukeneyo kwizebhizinisi kunye nemicimbi yezemali . Kutheni le nto iqinisekisiwe?
Yintoni isiqinisekiso soBuntu?
Ngaphambi kokuba ibhanki ikhokhe imali kwibhizinisi lokuqalisa, bahlala befuna ukuba ishishini linikezele ngeziqinisekiso ezongezelelweyo xa umboleko ungenakho ukuhlawulwa kwiimpahla okanye ukuhamba kwemali kweshishini.
Isiqinisekiso somntu siqu sifuna ukuba umntu abuyisele imali mboleko xa kwenzeka.
Kwixesha elidlulileyo, le mfuneko yesigqibo somntu siqu kwisiqeshiso yayingavamile, kodwa ukususela kwiminyaka emithathu ngo-2008, ibe yinto eqhelekileyo. Ukuqeshiswa kwezorhwebo kukuzibophelela okukhulu kwishishini, kwaye inkampani yokuqeshisa ifuna ukwazi ukuba ukuqeshisa kuya kuqhubeka kuhlawulelwa kuze kube sekupheleni kwayo, nangona inkampani iya kuphawulwa.
I-Attorney ye-Real Estate ixoxa ngeziqinisekiso zoBuntu
Ndabuza uSusan Dawson, igqwetha eliqeshwe ngamava kunye noWaltz, uPaler noDawson, ngenxa yeengxelo zakhe. USusan wathi:
Kwakukho ixesha apho abanikazi bezindlu bekulungele ukuxoxisana ngokuqeshiswa ngaphandle kwee-personal guarantees. Ngenkqubela yezorhwebo yezoshishino , ezo ntsuku ziphele. Abanikazi bezindlu bangaba nokulungele ukuxoxisana ngeentlawulo kunye neendleko zokugcina indawo (CAM) , kodwa enye into abaya kuyifaka kuyo isiqinisekiso somntu siqu.
Xa ishishini lingena kwisiqeshiso, ngokuqhelekileyo ukuqeshiswa kusayinwe yiyiphi igosa egameni lenkampani. Ukuba ishishini lihluleka kwaye lingaguquki kwiqeshiso, umnini-mhlaba akayikho inhlanhla. Yingakho abanikazi bempahla ngoku bafuna iimqinisekiso zabo kunye neengxelo zezimali ezipheleleyo kumnini-shishini ukuqinisekisa ukuba umnini unemali yokubuyisela isiqinisekiso.
Iimqinisekiso Zobuntu - Iziqinisekiso Eziqinisekisiwe
Isiqinisekiso somntu siqu, malunga nencazelo, asikhuseli. Okokuthi, akukho nxalenye ethile yepropati engasetyenziselwa ukuhlawula imali mboleko. Oku kuthetha ukuba ubeka isakhiwo sakho somngcipheko ngokusayina lesi sivumelwano.
Ukuxoxisana neSigunyaziso soBuntu kwiNgxowa-mali yokuThengisa
Kungenxa yokuba abanikazi bezindlu bafuna ukuqinisekiswa akuthethi ukuba akukho ndawo yokuxoxisana. Unokufuna ukuqwalasela enye yezi zikhetho:
Cela umlinganiselo wexesha kwisiqinisekiso. Ngamanye amaxesha umnini-mhlaba ufuna ukuba uqinisekise irekhodi lomculo. Ngoko ukuba usayine umqeshwano wonyaka wesihlanu, unokucela ukuba isiqinisekiso sihlala kuphela kwiminyaka emithathu yokuqala.
Ukuba unayo izibonelelo zemali, unako ukunikela ukuba ufake ileta yekhredithi kwindawo ethile yexabiso le dollar, kwaye loo leta ingacatshulwa ukuba loo propati ishiywe.
Unokunika isibonelelo sokuqeshisa ixesha elimiselweyo emva kokupheliswa kwangaphambili. Ukuba umqeshi uphula isivumelwano sokuqeshisa iminyaka emithathu, umninimzi kufuneka azame ukuphinda aqeshise indawo. Iinkundla ngokuqhelekileyo aziyi kunikezela umnini-lungelo ilungelo lokubuyisela yonke into emithathu yokuhlala yerhafu.
INkundla inokuzama ukucacisa ukuba zingaphi iinyanga umnini-mhlaba angayidinga phantsi kwendawo yokuqeshisa yangoku ukuze aphinde avumele indawo, kwaye konke oko baya kukunika.
Ngoko, ngokunikela ngokubambisana phambili, uthi uya kuvuma ukuqinisekisa isiqinisekiso 6 okanye iinyanga ezili-12, ngokukhawuleza utyumle kuzo zonke iingxoxo zomthetho nokudibanisa ekugqibeleni kwaye ubeka ingxoxo phakathi kwamaqela ngaphambili.
Qonda umgaqo kwimeko yakho. Ukuqeshiswa, njengezinye iikhontrakthi, zixhomekeke kwimithetho karhulumente, kwaye ngamanye amaxesha imithetho yendawo. Ubukhosi apho kufuneka kuqhotyoshelwe khona ukuqeshiswa ukuba kukho imbambano yesivumelwano kufuneka ibe yinxalenye yesivumelwano sokuqeshisa. Hlola imithetho kuloo mmandla (okanye ube negqwetha ukwenza oko) ukuqinisekisa ukuba imigaqo yakho iyabonakala kwaye ukuba kukho imithetho ephathelele isiqinisekiso sakho.
Kukho ezinye iindlela zokuxoxisana . Umthengisi ocebileyo okanye ugqwetha kufuneka akwazi ukukunceda ngezinye iimbono.
Ukuba uceliwe ukuba usayine isiqinisekiso sakho sokuqeshisa ishishini, ukwazi ukuba kuthethwa ntoni kwesi siqinisekiso kwaye unokukwazi ukuxoxisana nemigangatho kunokukunceda ukunciphisa ukunyanzeliswa kwakho kwemali kule meko.