Isivumelwano seMali-mboleko yeShishini
Isivumelwano sesiboleko sivumelwano sekhontrakthi , ngoko ke zonke izixhobo eziyimfuneko ukuba isivumelwano sivumeleke, oko kukuthi, ukuba kutyanzelwe enkundleni, ukuba kuyimfuneko.
Kutheni Udala Isivumelwano SeMali-mboleko yeMali
Izizathu eziqhelekileyo zokufuna isivumelwano semali-mboleko yezoshishino zi:
- Ukuqalisa ukushishina
- Ukuthenga isakhiwo
- Ukuthenga izixhobo, kuquka izithuthi
- Ukuthenga iimveliso okanye iinxalenye zokwakha i-inventory okanye ukuthengisa.
Ndingayisebenzisa I-Template yesiKhwama sesiTywala seShishini?
Ukuba ufumana imali mboleko yebhanki kwi-bhanki okanye omnye umboleki, kuya kufuneka ukuba usebenzise amaxwebhu abo kunye neefom zokuvumelana. Ukuba wenza umboleko wecala lomntu ngamnye, unokulingwa ukusebenzisa itemplate. Kodwa qaphela.
Kwiimali-mboleko zoshishino, njengoko kwezinye iikontraki zoshishino, imeko nganye iyingqayizivele, kwaye yonke into iyaxoxwa. Umzekelo, umnini-mboleko wakho unokufuna iimvumelwano ezithile (iziqinisekiso) ngemboleko, okanye uyavuma ngendlela eyahlukileyo. Unokucinga ngokusebenzisa itemplate yemboleko yeshishini njengendawo yokuqala, ukwenza utshintsho njengoko amaqela omabini avuma.
Amacandelo eSivumelwano seMali yeMali
Umhla osebenzeyo. Umhla osayina ngawo isivumelwano semali-mboleko ngokuqhelekileyo ngumhla osebenzayo-umhla ohlawulwa ngawo imali.
Iinkcazo. Izivumelwano zokubolekwa kwemali-mboleko, njengezinye iikhontrakthi, phantse ziquka rhoqo uluhlu lweenkcazo zamagama abalulekileyo. Ezi ngcaciso zingabonakala zibalulekile xa kukho ukungavumelani, ngoko funda ngokucophelela.
Amaqela achazwe. Amaqela amabini kwisivumelwano semboleko sichazwe ekuqaleni. Ukuba kukho umnxibelelwano-mnxibelelwano oncedisayo ishishini ngokunciphisa intlawulo okanye udibaniso, lo mntu uchazwe kweli candelo.
Isaziso seNgcaciso okanye iMboleko. Isivumelwano semali-mboleko singabandakanya inqaku lesithembiso okanye i-mortgage. Inqaku lesithembiso liyisithembiso sokuhlawula; umboleko wemali ngumhlobo othize wenqaku lokuthembisa, kwipropati (umhlaba kunye nesakhiwo). Inqaku lesigxina linokuthi likhuseleke ngeefayili enye yezoshishino okanye kungenako ukukhuseleka. Ukuba imboleko ikhuselekile, ukhuseleko luchazwe ngokubanzi.
Yobambiswano. Ukubambisa ngemali mboleko yipropati okanye enye i-asethi yeshishini esetyenzisiweyo njengokhuselo xa umbolekayo engazalisi mboleko. Ubutyebi bokuba ngumhlaba kunye nesakhiwo (kwimeko yokuboleka imali), izithuthi okanye izixhobo. Ubambano buchazwe ngokupheleleyo kwisivumelwano somboleko.
Imimmiselo nemiqathango. Le nxalenye ebaluleke kakhulu yemboleko. Ekubeni ininzi mboleko yezo shishino zibolekwa ngee- installment kunye neentlawulo zexesha, iifom zibandakanya isivumelwano sesivumelwano. Imigaqo yomboleko mboleko:
- Isixa semboleko
- Ubude bexesha le mboleko (ngokuqhelekileyo kubhekiswe kwiinyanga)
- Inzala yomyinge . iboniswe njengezinga lepesenti ngonyaka (APR). Inqanaba lomdla linokuthi lizinze okanye lijikeleze (litshintsha). Ukuba izinga lenzalo liguquka, utshintsho luhlala lusekelwe kwizinga lokuqala kunye namanqaku angaphezulu. Ngokomzekelo, inzala yenzalo ingaba yinkulu +
- Ishedyuli yokuhlawula
- Ingxelo yokuba mboleko ingahlawulwa. (Uninzi lwemali mboleko kule mihla inokuhlawulwa kuqala, kodwa ihlale ilungileyo ukujonga.)
Izigwebo zokungahlawulwanga. Le miqathango iquka oko kwenzekayo ukuba iintlawulo azenziwanga ngexesha. Ngenyanga nganye, ngokuqhelekileyo kukho ixesha lobabalo, eli liqela elithile leentsuku emva komhla ofunekayo xa umboleko ungahlawulwa ngaphandle kwesihlwayo. Ukuba inkokhelo ayenziwanga kwixesha lobabalo, isivumelwano sichaza izigwebo.
Ukungagqibekanga kunye neNgqamaniso yokukhawuleza. Bobabini amaqela enze izithembiso, kwaye ukuba elinye iqela lingagqibekanga izithembiso zalo, isivumelwano asiyikho. Ukuba umntu obolekayo aphelelwa yimali mboleko (ayihlangabezani nemimiselo nemimiselo), isivumelwano somboleko sichaza nayiphi na ihlawulo kunye nezohlwayo.
Isigatshana sokukhawuleza singasetyenziswe njengesigwebo. Kule meko, ukuba umbolekisi akafezekisi zonke iimfuno zesivumelwano okanye ukuba umbolekezi akenzi iintlawulo ngexesha, umboleko ungafumaneka ngokukhawuleza kwaye uhlawulwe.
Olawulayo. Imboleko yemicimbi yezo shishino ixhomekeke kwimithetho yombuso, eyahlukileyo kwilizwe ukuya kutsho. Isivumelwano sakho semali mboleko kufuneka sibandakanye isivakalisi malunga nomthetho welizwe olawulayo. Ingcinga efanelekileyo yokuncedisa ukubhala isivumelwano somboleko semali-mboleko esivela kummeli oqhelene nemithetho yombuso wakho ukuqinisekisa ukuba isivumelwano siyahambelana neemfuno zelizwe.
Imimiselo yoMboleki. Njengomboleki, uya kucelwa ukuba uqinisekise ukuba ezinye iinkcazo zinyani. Ezi nkcazo zingabandakanya isiqinisekiso sakho sokuba ishishini liyakwazi ngokusemthethweni ukwenza ishishini kwiphondo, ukuba ishishini lifake zonke iintlawulo zerhafu kwaye lihlawulwe zonke iintlawulo zaso, ukuba azikho izibambiso okanye izigwebo malunga nezoshishino ezinokuchaphazela amandla ukuhlawula imali mboleko, kwaye ukuba iingxelo zemali zoshishino ziyinyani kwaye zichanekile. Ezi zizodwa zibonakaliso eziqhelekileyo; kukho ukuba kubekho abanye ngemali mboleko yakho. Ummeli wakho webhodi yabalawuli unokufuneka ukuba asayine le mboleko.
Izivumelwano . Izivumelwano zizithembiso ezenziwe ngamaqela amabini. Ababolekisi abaninzi baya kufuna iimvumelwano ezininzi njengenxalenye yesivumelwano semboleko:
- Uya kufuneka ube nobungqina bomshuwalense naluphi na ukhuseleko othembisa (isakhiwo okanye izixhobo okanye izithuthi). Umboleki ufuna ukuqiniseka ukuba into eyenzekayo kwi-asethi, i-inshurensi iya kuhlawula ubuncinane inxalenye yeendleko.
- Iimali-mboleko ezininzi zoshishino zifuna ukuba uthenge i- inshorensi yobomi kwimpilo yomnini-nkonzo (obizwa ngokuba ngumntu osisiseko somshuwalense wobomi) kunye nombolekisi njengelungu loxhamli. Umboleki ufuna ukuqiniseka ukuba unokufumana imali xa kwenzeka into ethile kumnini.
- Enye imfuneko kukuba uhlawula zonke iirhafu kunye nemirhumo ehambelana ne-asethi ukuze ingabi emva. Oku kungabandakanya irhafu yerhafu kunye neelayisenisi kwizithuthi.
- Abanye ababolekisi bafuna ukuba uqinisekisa ukuba ishishini aliyi kuthatha ityala elongezelelweyo okanye ukuba abaphathi bakho abayi kutshintsha.
- Kwiimali-mboleko ezinkulu, kwaye ngokukodwa ukuqala, ababolekisi abaninzi bafuna iingxelo zenkxaso- mali zexesha elibonisa ukuba ishishini liya kuqhubeka likwazi ukuhlawula imali mboleko.
Funda Ngokucophelela Ngaphambi kokuba Usayine
Nangona ucinga ukuba uyazi into esivumelwaneni semali-mboleko, thatha ixesha lokulifunda ngokucophelela ukuqinisekisa ukuba uyayiqonda yonke into kwaye yonke into ivumelene nayo. Qaphela ukushicilela okulungileyo!
Ukuzikhusela. Eli nqaku likunika ezinye iingxenye eziqhelekileyo zesivumelwano semali-mboleko yeshishini ukuze ubone into enokufuneka. Akujoliswanga ukuba irhafu okanye iingcebiso zomthetho. Amanye amacandelo angabandakanywa kwisivumelwano sakho semali mboleko, kwaye kufuneka ufumane uncedo lommeli ukuba ufuna ukubhala isivumelwano sakho somboleko.