1.1: Nceda uqaphele ukuba “idiphozithi” kunye “nediphozithi” azilingani “nediphozithi”
Xa usayina isivumelwano, unokufuna ukuba elinye iqela lihlawule idiphozithi ukuze uqinisekise ukusebenza kwekhontrakthi.Kuba “idiphozithi” inentsingiselo ethile esemthethweni, kufuneka ubonise igama elithi “idiphozithi”.Ukuba usebenzisa amagama athi "idiphozithi", "idiphozithi" njalo njalo, kwaye ungatsho ngokucacileyo kwikhontrakthi ukuba xa elinye iqela laphula isivumelwano, aliyi kubuyiselwa, xa elinye iqela liphule isivumelwano, kuya kuba. ibuyiselwe kabini, inkundla ayiyi kuba nako ukuyiphatha njengediphozithi.
1.2: nceda ucacise intsingiselo yesiqinisekiso
Ukuba ishishini lakho lifuna elinye iqela ukuba libonelele ngesiqinisekiso, xa utyikitya isivumelwano sesiqinisekiso kunye nabathengi abafanelekileyo, nceda uqiniseke ukuba uchaza intsingiselo ecacileyo yesiqinisekiso sokuqhuba ityala, kuphephe ukusebenzisa iingxelo ezingacacanga ezifana “noxanduva ukuhlaliswa" kunye "noxanduva lokulungelelanisa", ngaphandle koko inkundla ayiyi kukwazi ukumisela ukusekwa kwesivumelwano sesiqinisekiso.
Usenokunikezela ngeziqinisekiso kwabanye ngeenjongo zoshishino.Ingaba ungumbolekisi okanye umgcini-mali, kucetyiswa ukuba ucacise iindawo zokuqala kunye nokuphela kwexesha lokuqinisekisa xa usayina isivumelwano sokuqinisekisa.Ukuba uyavumelana nelinye iqela ukuba ixesha lewaranti lingaphezulu kweminyaka emibini, umthetho uya kuphatha ixesha lewaranti njengeminyaka emibini.Ukuba akukho sivumelwano sicacileyo, ixesha lokuqinisekisa liya kuthathwa njengeenyanga ezintandathu ukusuka kumhla wokuphelelwa kwexesha eliphambili letyala.Nangona ukhetho "lokudibanisa kunye nesiqinisekiso esininzi" okanye "isiqinisekiso esiqhelekileyo" sixhomekeke kuthethathethwano phakathi kwakho nomthengi, ikhontrakthi yesiqinisekiso kufuneka ibandakanye amagama athi "isiqinisekiso esidibeneyo kunye nesininzi" okanye "isiqinisekiso ngokubanzi".Ukuba akukho sivumelwano sicacileyo, inkundla iya kuyithatha njengento edibeneyo kunye nesiqinisekiso setyala.
Ukuba ungumbolekisi kwaye ityala eliqinisekisiweyo "isiqinisekiso esiqhelekileyo" isivumelwano sokuqinisekisa asihlawulwanga xa kufanelekile, kufuneka ufake isimangalo okanye ulamlo kunye nomntu onetyala kunye nomqinisekisi phakathi kwexesha lokuqinisekisa.Ukuba ityala eliqinisekiswe yinkontileka yesiqinisekiso ngendlela "yedibeneyo kunye nesiqinisekiso esininzi" alihlawulwanga emva kokuphela kwesivumelwano segaranti, nceda ufune ngokucacileyo ukuba i-guarantor yenza isibophelelo sesiqinisekiso ngokukhawuleza ngendlela ebonisayo kunye nesebenzayo ngexesha lesiqinisekiso. .Ukuba awuwasebenzisi amalungelo akho ngexesha lewaranti, i-guarantor iya kukhulula kwi-warranty liability.
1.3: nceda ubhalisele isiqinisekiso se-mortgage
Ukuba ishishini lakho lifuna elinye iqela ukuba likubonelele ngesiqinisekiso semali-mboleko, kuyacetyiswa ukuba wena kunye nomxhasi wakho nilandele imigaqo yobhaliso kunye nogunyaziwe ofanelekileyo wobhaliso ngokukhawuleza xa nityikitya isivumelwano semali-mboleko.Kuphela isivumelwano se-mortgage ngaphandle kokuhamba ngeenkqubo zokubhalisa kunokubangela ukuba amalungelo kunye nomdla wakho ulahlekelwe sisiseko sokuqonda.Ukulibaziseka nokulibaziseka okungeyomfuneko kungenza ilungelo lakho libe ngaphantsi kwamanye amashishini abhalise phambi kwakho.Ukuba umxhasi wakho uyalibazisa okanye uyala ukukunceda ukuba uhambe ngeendlela zobhaliso lwe-mortgage emva kokusayina isivumelwano se-mortgage, kuyacetyiswa ukuba ufake isimangalo enkundleni ngokukhawuleza kwaye ucele inkundla ukuba ikuncede uhambe ngeenkqubo zokubhalisa. ngokunyanzelekileyo.
1.4: isiqinisekiso sesibambiso nceda uqinisekise ukuhanjiswa kweempahla ezithenjisiweyo
Ukuba ishishini lakho lifuna elinye iqela ukuba libonelele ngesiqinisekiso sesibhambathiso, kuyacetyiswa ukuba uphathe iinkqubo zokunikezela ngesibambiso sesibambiso okanye isatifikethi sasekunene kunye nomthengi wakho ngoko nangoko xa usayina ikhontrakthi.Ukuba utyikitya kuphela isivumelwano sesibhambathiso ngaphandle kokuthatha isibambiso, inkundla ayizukwazi ukukhusela isicelo sakho sokufumana ilungelo lesibambiso.
Izilumkiso ngexesha lokusebenza kwekhontrakthi
2.1: Nceda wenze izibophelelo zekhontrakthi ngokwekhontrakthi
Iikhontrakthi ezisekwe ngokomthetho zikhuselwe ngumthetho.Ukuba ikhontrakthi equkunjelwe phakathi kweshishini kunye nomthengi ayiphuli imimiselo enyanzelekileyo yemithetho kunye nemimiselo yolawulo okanye yonakalise umdla woluntu, sisivumelwano esisebenzayo esikhuselwe ngumthetho.Omabini amaqela anesibophelelo sokulandela ngokungqongqo isivumelwano kwaye enze isivumelwano ngokupheleleyo.Kungakhathaliseki ukuba igama lenkampani litshintshile, amalungelo esitokhwe enkampani atshintshiwe, okanye ummeli osemthethweni, umntu ophetheyo, okanye umntu ophetheyo uyatshintshwa, ayinakuba sisizathu sokungawenzi isivumelwano, esikwanjalo. isiqinisekiso esibalulekileyo sokugcina igama lakho kunye neshishini lenkampani.
2.2.: Nceda ufune ngenkuthalo indlela yokusombulula ingxabano ngenzuzo enkulu
Utshintsho kwimeko yezoqoqosho luhlala lukhokelela ekuguquguqukeni okubukhali kwixabiso lentengiso yempahla.Kucetyiswa ukuba ungakhethi ngokulula ukuthatha inyathelo lokuqala lokwaphula isivumelwano, ukuphelisa isivumelwano, okanye ufake isimangalo sokusombulula ingxaki.Kungcono kakhulu ukunciphisa ilahleko ukuxoxisana nabathengi bakho ngokulinganayo kwaye ufumane isisombululo esamkelekileyo kumacala omabini.Nakwinkqubo yokumangala, ukwamkela ukulamla phantsi kwenkundla kuya kuba luncedo ngakumbi ekukhuseleni iimfuno zamashishini.Kusenokungabi luncedo kuwe ukuba ungasifuni isilungiso kwaye ulinde isigwebo.
2.3: Nceda uzame ukuhlawula ngebhanki
Xa umisela indlela yokuhlawula, nokuba ungumhlawuli okanye umhlawuli, ngaphezu kwexabiso elincinci leentengiselwano, nceda uzame ukuhlalisa ngebhanki, ukuhlawula imali kunokukubangela ingxaki engeyomfuneko.
2.4: Nceda uqaphele ukwamkelwa kwangethuba kweempahla kwaye uphakamise inkcaso
Ukuthengwa kwempahla lishishini lemihla ngemihla leshishini.Nceda uqaphele ukwamkelwa kwangethuba kweempahla.Ukuba iimpahla zifunyenwe zingahambelani nekhontrakthi, nceda uphakamise ngokucacileyo inkcaso ngokubhaliweyo kwelinye iqela ngokukhawuleza ngexesha elilinganiselweyo elichazwe ngumthetho okanye ekuvunyelwene ngalo kwisivumelwano.Ukulibaziseka okungeyomfuneko kunokubangela ukuba ulahlekelwe lilungelo lakho lebango.
2.5: Nceda ungavezi iimfihlo zorhwebo
Kwinkqubo yothethathethwano kunye nokusebenza kwekhontrakthi, uhlala udibana nolwazi lweshishini leqabane okanye iimfihlo zeshishini.Nceda ungavezi okanye usebenzise olu lwazi emva kothethathethwano, ukusebenza kwekhontrakthi okanye ukusebenza, kungenjalo unokuthwala uxanduva oluhambelanayo.
2.6: Nceda usebenzise ilungelo lokuzikhusela ngokufanelekileyo
Ngexesha lokusebenza kwekhontrakthi, ukuba unobungqina obucacileyo bobungqina bokuba imeko yeshishini lelinye iqela iyancipha kakhulu, ipropati idluliselwe okanye inkunzi ihoxisiwe ukuphepha ityala, igama leshishini lilahlekile, okanye ezinye iimeko zilahlekile okanye zingakwazi ukulahlekelwa amandla. ukwenza ityala, unokwazisa elinye iqela ngexesha ukwenza izibophelelo zakho ngokuhambelana nekhontrakthi.