Ukwabelwa ngetyala yenye yaloo migaqo apho imiba yomthetho idityaniswa kunye ne-accounting kwaye ngenxa yale meko ukuqonda kwayo ngokuchanekileyo kunzima ngakumbi. Ewe, kwinqanaba eliqhelekileyo libhekiselele kwishishini elisemthethweni apho umntu okanye inkampani (umbolekisi) atshintshela komnye (umbolekisi) amalungelo athi owokuqala amele ngokuchasene nomntu wesithathu.
Kodwa ngobuchule obukhethekileyo yiloo nto ebonakalisa lo mfanekiso kwaye yileya akukho xesha ubudlelwane bokuqala buyanyamalala.
Ukuze lo msebenzi uqalise, kufuneka kuhlangatyezwane nemfuneko esisiseko ebaluleke kakhulu. Asiyiyo enye ngaphandle kwemfanelo ekufuneka yenziwe phantsi kwemvumelwano ngamaqela omabini. Oko kukuthi, umyolelo oqhelekileyo wesibini ukufikelela a isivumelwano kule miqathango kwisabelo setyala. Into engenzekiyo kuzo zonke iimeko kwaye ebangela ukuba utyando lurhoxiswe.
Esinye sezizathu zokuyiphumeza kungenxa yokuba inganceda omabini amaqela kule nkqubo yomthetho intsonkothileyo. Ikakhulu ngenxa yokuba ii-asethi zangoku azisebenzi yeenkampani ezincinci kunye neziphakathi kwaye ke ngoko banokuqhubeka nokuphuhlisa umgca wabo weshishini njengesiqhelo.
Iindlela zokwabiwa kwetyala
Lo msebenzi, wokubalwa kunye nomthetho, awufani ngokupheleleyo. Endaweni yoko, ngokuchaseneyo, iimodeli ezimbini ezahlukeneyo zinikwe amandla kulawulo lwayo. Omnye wabo ngu ukunikezelwa kwetyala ngesaziso esekelwe kwinto yokuba omabini amaqela kwinkqubo ayavumelana nesikhumbuzo esifanelekileyo sokutshintsha kobunini. Yeyona ixhaphakileyo kuba inqanda iingxaki ezinokubakho kwimpikiswano kwaye yenziwe ngokusesikweni ngolwazi lwamaqela onke.
Ngelixa ngokuchaseneyo, ukunikezelwa kwetyala ngaphandle kwesaziso kukwakhona. Apho le ntshukumo yenzeka khona ngaphandle kwesaziso isaziso kumntu onetyala malunga notshintsho ekuhanjisweni kwelungelo lokuqokelela. Kwezinye iimeko, kunokukhokelela kwiingxaki ezithile kubudlelwane bee-arhente zeshishini eziyinxalenye yale nkqubo. Ngaphandle kweminye imiba yobugcisa.
Indlela le mveliso isebenza ngayo
Ulwabiwo lwetyala lusekwe ekuboneleleni ngokuhlawula amatyala ngeyona ndlela ikhawulezayo yexesha. Makhe sicinge imeko ethile yenkampani ene- irisithi okanye i-invoyisi efumanekayo ukuthengiswa kwemveliso okanye uphuhliso lwenkonzo kwaye umhla wayo omiselweyo ziinyanga ezintathu emehlweni.
Kwaye ukuba kuyo nayiphi na imeko, udinga isixa sakho ukuze usebenze ngokufanelekileyo kwe-accounting yakho. Kwezi meko banokukhetha le mveliso ngolawulo lwabo ngebhanki ebavumela ukuba benze ulwabiwo lwetyala ngokusesikweni.
Yintoni eyayiza kuphunyezwa? Ewe, into ebaluleke njenge qokelela loo mali kwangaphambili malunga nokuphelelwa kwayo. Apho kuya kufuneka uhlawule iqondo lenzala ekuvunyelwene ngalo ngaphambili kunye neekomishini ezisisiphumo.
Le misebenzi yenziwa xa inkampani ifuna le ndawo yokuhlawula amatyala ngokukhawuleza kwaye ilibaziseka ngexesha. Nangona kunjalo, ukuze umsebenzi ube nenzuzo, kuya kufuneka ukuba isixa serisithi okanye i-invoyisi ibe phezulu kwaye ingabi yimali encinci.
Ngakolunye uhlangothi, kulungele kakhulu ukwazi ukuba ikhontrakthi yokunikezelwa kwetyala luxwebhu olulawulwa nge-notary kwaye apho idatha yamaqela amabini enza le nkqubo ibonakala.
Njengobungakanani bentshukumo yocwangciso-mali kwaye kufuneka isayinwe ukuze ukuqinisekiswa kwayo kube ngokupheleleyo kwaye kube semthethweni. Ukuba yenye yezona mveliso zixhaphakileyo ziinkampani ezincinci kunye neziphakathi ezihamba ngobunzima obungaqhelekanga kwibhokisi yazo.
Umzekelo wesabelo sekhredithi
Akukho nto ingcono kunokukhangela le mveliso ekusebenzeni. Siza kucinga ukuba inkampani encinci kunye nephakathi kwicandelo lenkonzo inetyala kwenye inkampani eyenza ibe netyala. Ewe, ngokusetyenziswa kokunikezelwa kwetyala, abokuqala babeza kudlulisela lo mgca wetyala kwinkampani yesithathu. Ke ukusukela kulo mzuzu lo wokugqibela uya kuba ngumtyali wemali. Enyanisweni, oku kuthetha ukuba le yokugqibela iya kuba nguye hlala kwisikhundla somntu otyalwayo ngokuchasene nomtyali. Kuya kuba ngaphezulu okanye ngaphantsi ukuguqulwa kweendima ngexesha elifutshane kakhulu.
Imodeli yekhontrakthi yonikezelo lwetyala
Eyona njongo iphambili yale khontrakthi kukulawula imiqathango kunye neemeko apho iqumrhu elinikezelayo labela abo banikezelayo iikhredithi ezivela amanqaku ezithembiso ichongiwe. Kwelinye icala, iqumrhu elinikezelayo labela kwaye ligqithisele onke amalungelo aquka iikhredithi eziphuma kumanqaku esithembiso achongiweyo nalapho lowo wabelwayo ewamkela kwaye awafumane ngendlela yokuthenga nokuthengisa. Yimveliso enzima kakhulu efuna ulwazi lwemali kwicala leenkampani okanye abantu abayinxalenye yale nkqubo ikhethekileyo.
Unako khuphela imodeli yenkontileka yesabelo setyala kwikhonkco esikushiye nje.
Ukwabelwa kwetyala lokubambisa
Ngokuphathelele oku kuhluka, into eqhelekileyo ngakumbi kunabanye, kufuneka kuqatshelwe ukuba ukunikezelwa kwekhredithi yeso sivumelwano somyolelo apho u-mortgagee wabela ikhredithi yakhe kumntu wesithathu. Nangona ukuqonda okungcono kufuneka kuqatshelwe ukuba kule meko amanani amathathu abachaphazelekayo kule nkqubo, hayi ezimbini. Okokuqala, umbolekisi owabela ikhredithi (inokuba ngumntu wendalo okanye osemthethweni). Emva koko umboleki ohlala kwizikhundla zabo kwaye ekugqibeleni umbolekisi omtsha.
Ngaphakathi kwalo mxholo jikelele, ukunikezelwa kwekhredithi ye-mortgage okwangoku kulawulwa yi Umthetho we-Mortgage eSpain. Apho umdla wabasebenzisi ababandakanyekayo kule nkqubo yezemali ukhuselwe. Kwelinye icala, ummiselo wenza imida yawo icace kakhulu ngokuthi "onke amalungelo afunyenwe ngenxa yesibophelelo adluliselwe ngokuxhomekeke kwimithetho, ngaphandle kokuba kuvunyelwene ngenye indlela, uthi i-mortgage loan ingathengiswa okanye yabelwe umntu wesithathu. ngokupheleleyo okanye ngokuyinxenye, ngokwemigaqo efunwa ngumthetho”. Ngakolunye uhlangothi, ukuze le meko yenzeke, kuyimfuneko ngokupheleleyo ukuba le modeli kwisabelo ifuna isenzo sikawonke-wonke kwaye kufuneka yenziwe ngokusesikweni njengoko isenziwa xa kukhontrakthi yemali mboleko ye-mortgage.
Ukwabelwa ngetyala kwinkqubo yolawulo
Omnye wemibuzo emikhulu ephakamayo ngulo ulandelayo: ingaba unikezelo lwetyala lingafakwa ibango ngaphandle kokusesikweni ngakumbi kwinkqubo yenkundla? Ewe, kukho izikhewu ezahlukeneyo kulo mba ezizama ukucacisa izigwebo zenkundla. Ngokomzekelo, umyalelo weNkundla yePhondo yaseBarcelona ukususela kunyaka ophelileyo, apho kutyhilwa ukuba "ngendlela yokuyalela inkqubo kaSeptemba 18, 2015, u-PL Salvador Sárl kwafuneka ukuba, kwithuba leentsuku ezili-10, abonelele ngesatifikethi se-notarial. echaza umhla wolwabiwo, iinkcukacha zabo bathe babulawa kwakunye nezixa-mali ekuthe kwabelwa ngazo ikhredithi.
Ngayiphi na imeko, kukho idinominator efanayo kula matyala kwaye ibhekisa kwinto yokuba inkqubo yethu yezomthetho ayimiseli ngokucacileyo ukuba Ukuvunywa kokunikezelwa kweekhredithi sisiqinisekiso se-notarial. Ukuqaphela umnqweno wabo kumaqela ngokwendlela yolwamkelo kunye nemfuno kuphela yokuba ukuvunywa kunokwethenjelwa. Ngaphandle kokungangqinelani okunokubakho phakathi kwamanye amaqela ayinxalenye yale nkqubo.
Ukuchaswa kokunikezelwa kwetyala
Ngakolunye uhlangothi, kulungele kakhulu ukwazi ukuba ikhontrakthi yokunikezelwa kwetyala luxwebhu olulawulwa nge-notary kwaye apho idatha yamaqela amabini enza le nkqubo ibonakala. Ngokusebenzisa inkqubo enzima ngakumbi kwezinye iimodeli kwaye oko kukunyanzeliswa okuboniswa ngabachasi bale mveliso yemali. Njengobungakanani bentshukumo yocwangciso-mali kwaye kufuneka isayinwe ukuze ukuqinisekiswa kwayo kube ngokupheleleyo kwaye kube semthethweni.
Ngelixa ngakolunye uhlangothi, kuyimfuneko ukuthobela imfuneko esisiseko: uxanduva oluza kwenziwa phantsi kwemvumelwano ngamaqela omabini. Oko kukuthi, umyolelo oqhelekileyo wamaqela amabini ukufikelela a isivumelwano kule miqathango kwisabelo setyala. Into engenzekiyo kuzo zonke iimeko kwaye ebangela ukuba utyando lurhoxiswe. Ukuba zezinye zezona zithintelo ezifanelekileyo ekusebenzeni kwayo.