Njengokuba kukho konke ukuhanjiswa kwezindlu zangaphandle, kuya kufuneka siyazi ukuba sithengisa "nge" okanye "ukuya" ngomhla wokuvalwa, kunye nokuba sisebenzisa usuku "lwebhanki" lweentsuku ezingama-360 okanye unyaka wekhalenda wama-365.
Amanyathelo:
- Misela inani leentsuku ukususela ekupheleni komhla wokuphela komgaqo-nkqubo.
- Bala iindleko ngosuku ngeminshurensi.
- Yandisa inani leentsuku ngokuphindwe ngamaxesha ngosuku.
Masenze isampula yomshuwalense we-inshurensi. Umtyalo-mali-mali uyathatha umgaqo-nkqubo we-inshorensi kwipropati yerenti. I-premium yonyaka yomgaqo-nkqubo ngu-1350. Inkomfa yepomm premium yahlawulwa ngokupheleleyo ngoFebruwari 12, kwaye ukuvalwa ngo-Oktobha 15 waloo nyaka. Sisebenzisa ikhalenda yosuku lwangama-365 kwaye sinyusa "ngokuvala". Oku kuthetha ukuba umdayisi uhlawula umhla wokuvalwa.
- # iintsuku ukusuka ngo-Oktobha 16 ukuya kuFebhu 11 ngonyaka ozayo ngu-Oktoba 16 + uNgo-30 + Dec 31 + Jan 31 + Feb 11 = 119 iintsuku
- I-1350 yeedola ezili-365 iintsuku = iindleko zansuku zonke ze-3.70
- Iindleko ze-3.70 zamaxabiso / imini X iintsuku ezingama-119 = inani elingu-440.30.
Le mali iya kuKHALWA KWEMthengi kunye NOKUSEBENZISWA KWEBENZI.
Iprogram kunye neSitatimende sokuVala
Kutheni kukho izinto kwi-intanethi yokuvala intengiso efunekayo ekufuneka ihlaziywe?
- Imali ekuxhaseni - ngamanye amaxesha kuyimfuneko ukugqiba isigqibo sokuba ngaba enye yemali ebanjwe kwi-escrow yeendleko kufuneka ibuyiselwe kumthengisi okanye ihlale e-escrow yomthengi.
- I-inshorensi ihlawulwa phambili, ngoko umthengisi uhlawule umnyaka opheleleyo we-inshurensi. Xa kuvalwa, enye ye-premium imali ibuyiselwa kumthengisi kulo lonke unyaka abayi kuba naloo propati.
- Iintlawulo zepropati - Njenge-inshurensi, kodwa isebenza ngenye indlela. Masithi uvala ngoJuni, kwaye iiflawulo zerhafu zale nyaka ziphuma ngoNovemba ukuze zihlawulwe ngoJanuwari 1. Umthengi uya kuba ngumnini ngexesha lokuhlawula irhafu, kodwa bekungengomnyaka werhafu. Ngoko, umthengisi uya kubhatala imali efunekayo phakathi kokuvala kunye nomhla wokuhlawulwa kwentela. Ngokuqhelekileyo, loo mali ibaliswe kwicala lomthengi kwingxelo ekuvalweni kwaye umthengi uyahlawula irhafu xa kulungile.
- Iintente - Iipropati zokuqeshisa ziya kuba neentlawulo ezihlawulwe ngenyanga leyo ekuqaleni kwenyanga kwimeko ezininzi. Ngoko, ukuba isivumelwano sivalwa ngomhla we-15 lwenyanga, umthengisi uhlawulwe ngenyanga epheleleyo kodwa kuphela ngenxa yesiqingatha saloo nto. Umthengi uya kuxelwa ukuba inani leendleko zeentsuku ezili-15 okanye ezili-16 zenyanga.
- Iintlawulo zokuqeshiswa kwezorhwebo - Kukho iintlobo ezininzi zokuqeshisa ngeendlela ezahlukeneyo zokuhlawula. Kuyinkimbinkimbi, kodwa ukuvala kuyakufuna ukuxhaswa kwezinto ezifunekayo kumthengisi ngexesha lobunini babo kwaye konke kungomnikazi omtsha.
- Iifama kunye neeRhafu zokuqeshisa - Iifama kunye neefama eziqhelekileyo zingaqeshisa umhlaba kummelwane okanye kuorhulumente. Ukuba kunjalo, nayiphi na intlawulo yokuqala ngaphambi kokuba ivalwe kuyakufuneka ihambe kumthengisi, njengoko bengabanikazi. Umthengi uya kuba noxanduva kule nto.
Kubalulekile ukwazi ukuba ezi zinto ziyamkeleka, kodwa ezinye zazo zingathethathelwa njengengxenye yesivumelwano sokuthenga. Ayikho intsimbi. Ngokukodwa kunye nepropati yorhwebo, ubuchule obubukhali bezobugcisa bungabaluleka kubaxhasi babo ngokubhekisela kwimimandla yesicwangciso esingaxoxwa ngayo xa bebethe kwixabiso elithile.