Yiba yinxalenye yesakhiwo
Ukuphucula izicwangciso kunye nokuphuculwa komsebenzi kubhatalwa ngumqeshi kodwa ube yingxenye yesakhiwo. Ngaphandle kokuba isivumelwano sichaza ngenye indlela, umninikhaya ufumana ubunini bokuphucula xa sele efakwe.
Umqashi ugcina inomdla ongenakukhuseleka ekusebenziseni ukuphuculwa. Inzala yomqeshi kwipropati iphela xa kuqeshiswa ukuqeshiswa kwaye umnini-mhlaba uphuma. Umzekelo olandelayo ubonisa ukuphucula umqeshi angenza.
Umzekelo
U-Larry uqobo lwakhe lweekhanda ezithandwayo, ivenkile yezinto zesikhumba efumaneka kwindawo yokuthengisa. ULarry usebenza kwishishini lakhe ngaphandle kwendawo yokuthengisa ehlawula umnikazi wezitolo, iiCenter Shopping. ULarry wenze ukuphuculwa okuhlukahlukeneyo kwindawo yakhe yokuqashisa ekubeni i-Luxury Luxury Leathers ihambele kuyo kwiminyaka emibini edlulileyo. Ezi zibandakanya ukukhanyisa okutsha, i-carpeting entsha kunye ne-ofisi elincinci Larry eyakhiwe emva kwendawo yokuthengisa.
Ukuqeshisa phakathi kukaLarry kunye nomnini womnini-mali uthi nayiphi na intuthuko eyenziwa nguLarry ekwakheni ngexesha lokuqeshisa libe yipropati yomnini-mali ngexesha elifakiwe. Ii-TIB ezigqityiweyo maziqinisekiswe ngumnini womnini. Zorhwebo Centres Inc.
Uqinisekise isi sakhiwo phantsi komgaqo-nkqubo wepropati. Umgaqo-nkqubo uphawula ngokuzenzekelayo nayiphi na intuthuko kwisakhiwo esenziwe ngexesha lepolisi.
ULarry uyazi ukuba nayiphi na i-TIBs ayifakeyo iya kuba yipropati yomnini-ndawo. Nangona kunjalo, uLarry uya kuba nokusetyenziswa kwezi mphuculo kwintshonalanga yakhe yokuqeshisa.
ULarry wayenokulahlekelwa ngumdla wakhe kwipropati ukuba i-TIBs ibonakaliswe okanye ibhujiswe ngumlilo okanye enye ingozi. Ngethamsanqa, uLarry unokuqinisekisa ukuba unomdla kwimpumelelo phantsi komgaqo-nkqubo wepropati.
I ntsi ngiselo yeTIB
Imigaqo-nkqubo yamashishini amaninzi ichaza ukuphucula abaqeshi kunye nokuphucula njengamalungiselelo, ukuguqulwa, ukufakwa okanye izongezo kwisakhiwo ohlala kuzo kodwa engenazo. Oko kukuthi, i-TIB yizinto ozithengile okanye ezifakwe kwiindleko zakho kodwa awukwazi ukususa ngokusemthethweni.
Imizekelo ye-TIB yiofisi, izibane, kunye nempahla yokupaka uLarry ifakwe kwisitoreji sakhe. Le ndawo iyingxenye yesakhiwo. Ngenxa yokuba uLarry akanalo, akanakuyithatha naye xa ehamba kwenye indawo. Ukuba uLarry uzame ukususa loo propati, angonakalisa isakhiwo.
Ngubani ojongene no-inshurensi?
I-TIB ingahlawulwa ngumqeshi okanye umninikhaya. Ukuqeshisa kufuneka kuchaze ngokucacileyo ukuba yiyiphi inxaxheba ekuboneleleni nge-inshurensi. Ngaphandle koko, iingxabano zingaphuma kwi-inshorensi, umninimzi okanye umqeshi, kufuneka afake isicelo kwilahleko ezibandakanya i-TIB ewonakele.
Iqeshane kufuneka icacise ukuba ubunikazi be-TIBs buvela kumqeshi kumnini-ndawo. Oku rhoqo (kodwa kungekho rhoqo) kwenzeka xa uphuculo lufakwe kwisakhiwo.
Umshuwalense woMhlaba
Ekubeni i-TIB iphethwe ngumnini-ndawo, bahlala bekhuselekile ngokubambisana nesakhiwo phantsi komgaqo-propati womnini-propati. Iipolisi zifakela isakhiwo esilungiselelwe kumgaqo-nkqubo, izongezo ezizalisiweyo kunye nezilungiso (isakhiwo esithathwa ngokusisigxina kwisakhiwo). Umzekelo wokulungiswa ngumkhangeli ofakwe kwisitya sokudlela.
Masithi ukuba ukuqeshisa phakathi kwee-Luxury Leathers kunye neCenter Centers Inc. kufuna umninikhaya ukuba aqinisekise i-TIBs. Ukuba iiCenter Centers Inc zikhuselekile phantsi komgaqo-nkqubo wepropati, iofisi, i-carpeting kunye nezibane ezikhanyisiweyo uLarry ifake ifanele ukuba ifumaneke njengepropati ehlanganisiweyo.
Ukuphuculwa okwenziwa ngumqeshi ukwandisa isakhiwo sakhiwo somnini. Ukuba umqeshi uchitha i-$ 15,000 kwi-TIBs, ixabiso lezakhiwo liya kwanda ngama-15,000.
Umda wokwakha kwipolisi yomnini-mali kufuneka unyuke ngexabiso le-TIBs. Ngaphandle koko, isakhiwo sinokuthi singaphantsi. Ukuba ilahleko ivela kwaye umnini-mhlaba uyehlulekile ukuthenga imida eyaneleyo, umnini-mhlaba unokufumana isohlwayo se-coinsurance .
Umshuwalense weNgcaciso
Ukuba ukuqeshiswa kufuna ukuba umnini-mhlaba ahlaziye okanye atshintshe i-TIB eyonakalisiweyo, umqeshi akufuneki ukuba aqinisekise loo nto. Ngaphandle koko, i-TIBs kufuneka ikhutshwe phantsi komgaqo-nkqubo wepropati yomqeshi. Ininzi yepropati yepropati ipakisha ngokuzenzekelayo, njengepropati yoshishino lomntu, umnini-mhlaba osebenzisa umqeshi kwi-TIBs.
Ngokuxhomekeke kumgaqo-nkqubo wakho, i-TIBs inokuthi ikhutshwe ngeendleko zokutshintshwa okanye ixabiso langempela lemali. Ukulahlekelwa ngokuqhelekileyo kuhlanganiswe ngokupheleleyo kuphela xa ulungisa "ngokukhawuleza" (eli gama alichaziwe). Ukuba awukwazi ukulungisa i-TIBs ngokukhawuleza, wakho umshwalense unokuhlawula kuphela isahlulo seendleko zabo zangaphambili ngokusetyenziswe kule fomyula elandelayo:
Iindleko zokuqala X inombolo yeentsuku ukusuka ngomhla wokulahleka ukuya ekupheleni kweqeshiso yakho / inombolo yeentsuku ukusuka ekufakweni kophuculo ekupheliseni kweqeshiso
Ngokomzekelo, cinga ukuba i-Leather Luxurys isayine ukuqeshisa iminyaka emihlanu ngoJanuwari 1, 2015. ULarry wagqiba ukuphuculwa ngoJanuwari 1, 2016. Zonke iiphuculo zatshatyalaliswa ngumlilo ngoJanuwari 1, 2017. Umshuwalense kaLarry akayi kuhlawula ngaphezulu kunokulandelayo:
I-15,000 ye-X X 1095 (kathathu ama-365) ahlukaniswe ngo-1460 (amaxesha amane 365) = $ 11,250
Umshuwalense wakho akayi kuhlawula nayiphi na into ukuba umninikhaya wakho alungise okanye atshintshe ukuphuculwa okonakalisiweyo.
Ulungiso lwezorhwebo
Nangona abaqeshi bengakwazi ukukhupha i-TIBs efakelwe kuyo, banokususa uhlobo lwepropati ebizwa ngokuba yindawo yokuthengisa . Ulungiso lwezorhwebo yizinto ezifakwe ngumqeshi ukuba umqeshi ulindele ukususa xa eshiya isakhiwo. Ziyimfuneko kumashishini omqeshi kwaye zingasuswa ngaphandle kokulimaza isakhiwo. Ulungiso lwezorhwebo luhlala luyipropati yomqeshi, ngoko ke lo mva uxanduva lokubaqinisekisa.
Mhlawumbi uLarry ubeka iikhabhinethi ezintsha kwivenkile yakhe yokubonisa iimpahla zakhe zesikhumba. Bobabini uLarry kunye nomnini-mnikazi wakhe balindele ukuba uLarry athathe amacala kunye naye xa ehamba kwenye indawo. Nangona iimeko ziqhotyoshelwe kwisakhiwo, zithathwa njengezinto zokurhweba ngaphandle kweTIBs. Eminye imizekelo yokulungiswa kwezorhwebo yiikhompyutheni, iimashishini ezithengisayo kunye nezixhobo zorhwebo.
Abaqashi kufuneka baqinisekise ukuba ukuqeshisa ngokucacileyo ukuba yeyiphi ipropati efanelekileyo ifanelekileyo njengoluhlu lwezorhwebo. Ngaphandle koko, umninikhaya angenalo ukuvumela umnini-mhlaba ukuba asuse impahla ethile xa iqeshiso iphelelwa yisikhathi.