Umnini-mboleko obanjelwe imali ngulowo umnini wepropathi abonelela ngenxalenye- okanye lonke ixabiso- lokuthenga ipropathi. Kwisivumelwano esipheleleyo sexabiso lokuthenga, umnini ubonelela ngempahla mboleko kumthengi ngexabiso lokuthenga elipheleleyo lepropathi kususwe nayiphi na intlawulo kumthengi. Kwisivumelwano sexabiso sokuthenga, umnini ubonelela ngenxalenye yentengo yokuthenga yepropathi, umzekelo, nayiphi na imali eseleyo umthengi angakhange ayifumane imali mboleko yomntu wesithathu, njengebhanki.
Isampulu yeSivumelwano seMali-mboleko yoMnini
Ungafikelela kwisampulu eprintiweyo yomnini mali yokubolekwa kwemali ngokunqakraza umfanekiso ongezantsi. Ikhontrakthi yesampulu isebenza kuzo zombini iintlobo zezivumelwano zokuxhasa ngemali.
izinto ezintle onokuzithetha kwisithandwa sakho ngomhla wokuzalwa kwakheAmanqaku afanelekileyo
- Usebenza Njani umnini mali?
- Thenga indlu ethengiswayo ngumnini
- Ithetha ntoni into yokuba uMthengisi aqhubeke nokuBuyisa iMboleko?
Le sampuli ibonelelwe apha njengomzekelo, kodwa ayenzelwanga ukuba isetyenziswe njengenye indlela yokubonisana negqwetha lokuthengiswa kwezindlu. Kufuneka isetyenziselwe iinjongo zolwazi kuphela kwaye ayiyiyo ingcebiso yezomthetho. Jonga nengcali yezomthetho efanelekileyo ngaphambi kokunikezela okanye ukuvuma imiqathango kuyo nayiphi na ikhontrakthi yobambiso.
Cofa ukuze ujonge isampulu yesivumelwano semali somnini.
Ukuba ufuna uncedo lokukhuphela ikhontrakthi eprintiweyo, jonga eziiingcebiso eziluncedo.
Ukujonga kwakhona isivumelwano
Ukuphonononga ikhontrakthi yesampulu ngokusondeleyo ukuze ufumane ukuqonda okuqinisekileyo kungena kwezi ntlobo zamaxwebhu.
Intshayelelo
Inxalenye yokuqala yekhontrakthi yesampulu ichonga umhla esiza kuqala ngawo isivumelwano, amaqela akwisivumelwano kunye nepropathi egqithiswayo. Qinisekisa ukuba eli candelo ligqityiwe ngokugqibeleleyo ukunqanda naziphi na iingxaki ekuchongeni amaqela okanye ipropathi.
Imigaqo yemali mboleko
Eli candelo lichaza ezona njongo ziphambili zekhontrakthi: ukuseka ityala lokubolekwa kwemali elinikezwe ngumnini Ikwachaza ixabiso ekuvunyelwene ngalo ekuvunyelwene ngalo kwipropathi kwaye ixabiso ekuvunyelwene ngalo emva kovavanyo. Ukuba novavanyo kunye nokuqaphela ukwenzeka kovavanyo lwentsebenzo kuthintela umthengi ekuhambeni kwexesha echaza ukuba ixabiso lokuthenga liphezulu kakhulu kwilinge lokungasenzi isivumelwano.
- Umhlathi wesithathu kweli candelo usebenza kwizivumelwano zemali zokuthenga ngokuyinxenye. Ibeka uxanduva lomthengi xa le mali ifunyenwe. Eli candelo alichaphazeli ikhontrakthi nangayiphi na indlela ukuba ikhontrakthi yenzelwe ukuseka ixabiso lokuthenga ngokupheleleyo.
- Imihlathi emibini elandelayo kweli candelo ichonga isixa sentlawulo umthengi amele asinike, xa kufuneka ehlawule loo ntlawulo, kunye nemali umniniyo aya kuboleka ngayo umthengi. Ukucaciswa kula macandelo kumisela ngokucacileyo uxanduva lwezezimali lwamaqela, okwenza kube nzima ngakumbi ukunqanda ukubonelela ngesixa esipheleleyo semali esithenjiswe kwelinye iqela.
- Isiteyitimenti kweli candelo sokuba isicelo semali mboleko sigqityiwe ngumthengi kwaye safunyanwa ngumnini sibonisa ukuba isivumelwano senzelwe ukuba sisesikweni kwaye umnini wayenolwazi olupheleleyo malunga neemali zomthengi ngaphambi kokuba avume ukuboleka imali. Oku kuthintela umnini ekufuneni kamva ukunqongophala kolwazi malunga nemeko yomthengi yemali ukuba kungakhange kuhlawulwe kwaye kuvele inkqubo yokuthintela.
- Imihlathi yokugqibela kweli candelo ichonga imiqathango yemali-mboleko, ngokukodwa iqondo lenzala yemali mboleko, ukuhlawulwa kwemali mboleko kunye nemigqaliselo yokuhlawula. La magama akhusela omabini amaqela ngokuchasene nelinye elingazalisekisi uxanduva lwalo.
UkuSebenza kweMali-mboleko
Eli candelo, elingafunisi ukufaka naluphi na ulwazi olongezelelekileyo, livumela umnini ukuba aqeshe iqela langaphandle ukuba liseke amaxwebhu asemthethweni obambiso lwemali mboleko kunye nenkqubo yentlawulo yemali mboleko. Ngenxa yobume obusemthethweni bomnini mali oxhasa izivumelwano zokuthenga izinto ngendlu, abanye abanini banokukhetha ukwenza oku ukuzikhusela ukuba imeko ibakho malunga nomthengi owenza iintlawulo kwangexesha.
Ukuphunyezwa kwesivumelwano
Akukho khontrakthi inyanzeliswayo ngaphandle kokuphunyezwa ngokufanelekileyo. Amanye amazwe anokufuna ukuba iikhontrakthi zibhengezwe ukuze zinyanzeliswe ngokusemthethweni. Kwakhona, ungalugqibi okanye ulwenzile olu hlobo lwesivumelwano ngaphandle kokubonisana negqwetha elinephepha-mvume elinobuchwephesha bokuthengisa izindlu nomhlaba.
imisebenzi yootitshala bezemfundo eyodwa ngaphandle kwegumbi lokufundela
