1.1: Sicela uqaphele ukuthi “idiphozithi” kanye “nediphozithi” azilingani “nediphozithi”
Uma usayina inkontileka, ungase udinge omunye umuntu ukuthi akhokhe idiphozithi ukuze uqinisekise ukusebenza kwenkontileka.Njengoba “idiphozi” inencazelo ethile engokomthetho, kufanele ukhombise igama elithi “idiphozithi”.Uma usebenzisa amagama athi “idiphozithi”, “idiphozithi” nokunye, futhi ungasho ngokucacile enkontilekeni ukuthi uma elinye iqembu lephule isivumelwano, ngeke libuyiswe, uma elinye iqembu lephule isivumelwano, kuyoba kubuyiselwe kabili, inkantolo ngeke ikwazi ukukuthatha njengediphozithi.
1.2: sicela ucacise incazelo yesiqinisekiso
Uma ibhizinisi lakho lidinga ukuthi elinye iqembu likunikeze isiqinisekiso, lapho usayina inkontileka yesiqinisekiso namakhasimende afanele, sicela uqiniseke ukuthi usho incazelo ecacile yesiqiniseko esinikeza isiqinisekiso sokusebenza kwesikweletu, gwema ukusebenzisa izitatimende ezingacacile njengokuthi “umthwalo wemfanelo ukuxazulula" kanye "nomthwalo wemfanelo wokuxhumanisa", ngaphandle kwalokho inkantolo ngeke ikwazi ukunquma ukusungulwa kwenkontileka yesiqinisekiso.
Ungase futhi unikeze iziqinisekiso kwabanye ngezinjongo zebhizinisi.Kungakhathaliseki ukuthi ungumkweletu noma unesiqiniseko, kuyanconywa ukuthi ucacise amaphuzu okuqala nawokugcina enkathi yesiqinisekiso lapho usayina inkontileka yesiqinisekiso.Uma uvumelana nelinye iqembu ukuthi isikhathi sewaranti singaphezu kweminyaka emibili, umthetho uzophatha isikhathi sewaranti njengeminyaka emibili.Uma singekho isivumelwano esicacile, isikhathi sesiqinisekiso sizothathwa njengezinyanga eziyisithupha kusukela ngosuku lokuphela kwesikhathi esiyinhloko sokusebenza kwesikweletu.Nakuba ukukhetha “kwesiqinisekiso esihlanganyelwe nesiningana” noma “isiqinisekiso esijwayelekile” sincike ekuxoxisaneni phakathi kwakho nekhasimende, inkontileka yesiqinisekiso kufanele ifake amagama athi “isiqinisekiso esihlanganyelwe nesimbalwa” noma “isiqinisekiso esijwayelekile”.Uma kungekho sivumelwano esicacile, inkantolo izosibheka njengesiqinisekiso sesibopho esihlanganyelwe kanye nesiningi.
Uma ungokweletwayo futhi isikweletu esiqinisekiswa yinkontileka yesiqinisekiso “esijwayelekile” asikhokhwa ngesikhathi esifanele, kufanele uvule icala noma isixazululi somthetho nomkweletu kanye nomnikezeli wakhe phakathi nesikhathi sesiqinisekiso.Uma isikweletu esiqinisekiswe inkontileka yesiqinisekiso ngendlela “yesiqinisekiso esihlangene nesiningi” singakhokhiwe ngemva kokuphelelwa yisikhathi kwenkontileka yesiqinisekiso, sicela ucele ngokucacile isiqiniseko ukuthi senze isibopho sesiqinisekiso ngokushesha ngendlela eboniswayo nephumelelayo phakathi nenkathi yesiqinisekiso. .Uma ungawasebenzisi amalungelo akho ngesikhathi sewaranti, isiqiniseko sizokukhulula esikweletini sewaranti.
1.3: sicela ubhalisele isiqinisekiso semali mboleko
Uma ibhizinisi lakho lidinga ukuthi elinye iqembu likunikeze isiqinisekiso semali ebolekiwe, kutuswa ukuba wena neklayenti lakho nenze izinqubo zokubhalisa nesiphathimandla esifanelekile sokubhalisa lapho nisayina inkontileka yendlu yezindlu.Inkontileka ye-mortgage kuphela ngaphandle kokulandela izinqubo zokubhalisa engase ibangele amalungelo nezintshisekelo zakho zilahlekelwe isisekelo sokufezeka.Ukubambezeleka nokubambezeleka okungadingekile kungenza ilungelo lakho libe phansi kunamanye amabhizinisi abhalise ngaphambi kwakho.Uma iklayenti lakho libambezeleka noma lenqaba ukukusiza ukuthi udlule ezinqubweni zokubhalisa imali ebolekayo ngemva kokusayina inkontileka ye-mortgage, kutuswa ukuba uvule icala enkantolo ngokushesha okukhulu futhi ucele inkantolo ukuthi ikusize ulandele izinqubo zokubhalisa. ngokuphoqeleka.
1.4: isiqinisekiso sesibambiso sicela uqinisekise ukulethwa kwezimpahla ezithenjisiwe
Uma ibhizinisi lakho lidinga enye inhlangano ukuthi ikunikeze isiqinisekiso sesibambiso, kuyatuswa ukuthi uphathe izinqubo zokunikeza isibambiso sesibambiso noma isitifiketi esilungile nekhasimende lakho ngokushesha lapho usayina inkontileka.Uma usayina inkontileka yesibambiso kuphela ngaphandle kokuthatha isibambiso, inkantolo ngeke ikwazi ukuvikela isicelo sakho sokuthola ilungelo lesibambiso.
Izinyathelo zokuqapha ngesikhathi sokusebenza kwenkontileka
2.1: Sicela wenze izibopho zenkontileka ngokwenkontileka
Izinkontileka ezisungulwe ngokomthetho zivikelwe ngumthetho.Uma inkontileka ephothulwe phakathi kwebhizinisi nekhasimende ingaphuli izinhlinzeko eziyisibopho zemithetho nemithethonqubo yokuphatha noma ilimaze izithakazelo zomphakathi, kuyinkontileka esebenzayo evikelwe umthetho.Zombili izinhlangothi zinesibopho sokulandela ngokuqinile isivumelwano futhi zenze inkontileka ngokugcwele.Kungakhathaliseki ukuthi igama lenkampani lishintshiwe, amalungelo esitoko enkampani ayashintshwa, noma ummeli osemthethweni, umuntu ophethe, noma umuntu ophethe ashintshiwe, angeke kube isizathu sokungayenzi inkontileka, okuyiyo futhi. isiqinisekiso esibalulekile sokugcina isithunzi sakho nesebhizinisi lenkampani.
2.2.: Sicela ukhuthalele ukufuna indlela yokuxazulula izingxabano ngenzuzo enkulu
Izinguquko esimweni somnotho zivame ukuholela ekushintshashintsheni okubukhali kwentengo yemakethe yezimpahla.Kunconywa ukuthi ungakhethi kalula ukuthatha isinyathelo sokwephula inkontileka, unqamule inkontileka, noma uvule icala enkantolo ukuze uxazulule inkinga.Kungcono kakhulu ukunciphisa ukulahlekelwa ukuxoxisana namakhasimende akho ngokulinganayo futhi uthole isixazululo esamukelekayo kuzo zombili izinhlangothi.Ngisho nangesikhathi sokuqulwa kwamacala, ukwamukela ukulamula ngaphansi kwenkantolo kuyoba usizo kakhulu ekuvikelweni kwezintshisekelo zamabhizinisi.Kungase kungabi yinzuzo kuwe ukuthi ungasifuni ngentshiseko isinxephezelo bese ulinda isinqumo.
2.3: Sicela uzame ukukhokhela ibhange
Uma unquma indlela yokukhokha, kungakhathaliseki ukuthi ungumkhokhi noma okhokhelwayo, ngaphezu kwenani elincane lemisebenzi, sicela uzame ukukhokha ngebhange, ukukhokhela ukheshi kungase kukubangele inkinga engadingekile.
2.4: Sicela unake ukwamukelwa kwezimpahla ngesikhathi futhi uphakamise ukuphikisa
Ukuthengwa kwezimpahla kuyibhizinisi lansuku zonke lebhizinisi.Sicela unake ukwamukelwa ngesikhathi kwezimpahla.Uma izimpahla zitholwa zingahambisani nenkontileka, sicela uphakamise ngokucacile ukuphikisa ngokubhala komunye uhlangothi ngokushesha ngangokunokwenzeka ngaphakathi komkhawulo wesikhathi oshiwo umthetho noma okuvunyelwene ngawo kunkontileka.Ukubambezeleka okungadingekile kungase kubangele ukulahlekelwa ilungelo lakho lokufuna.
2.5: ngicela ungadaluli izimfihlo zohwebo
Enqubweni yokuxoxisana nokusebenza kwenkontileka, uvame ukuthintana ngokungenakugwenywa nolwazi lwebhizinisi lozakwethu ohwebayo noma izimfihlo zebhizinisi.Sicela ungadaluli noma usebenzise lolu lwazi ngemva kwezingxoxo, ukusebenza kwenkontileka noma ngisho nokusebenza, ngaphandle kwalokho ungase uthwale umthwalo wemfanelo ohambisanayo.
2.6: Sicela usebenzise ilungelo lokuzivikela ngokungakhululekile ngendlela efanele
Ngesikhathi sokusebenza kwenkontileka, uma unobufakazi obuqondile bokufakazela ukuthi isimo sebhizinisi somunye umuntu siwohloka kakhulu, impahla iyadluliswa noma imali ihoxiswa ukuze kugwenywe isikweletu, isithunzi sebhizinisi siyalahleka, noma ezinye izimo ziyalahleka noma zingase zilahlekelwe amandla. ukwenza isikweletu, ungazisa omunye umuntu ngesikhathi ukuze enze izibopho zakho ngokuhambisana nenkontileka.