Isiqinisekiso sasebhange

Siyini isiqinisekiso sasebhange

Kunezikhathi empilweni lapho, ukuthola okuthile, okufana nendlu, imoto, noma okuthile okubaluleke kakhulu, ukuthenga kudinga isiqinisekiso esiqinisekisa umthengisi ukuthi, noma yini eyenzekayo, uzokhokhisa intengo yalokho okuhle. kuthengiswa. Futhi ngalokho, isiqinisekiso siyacelwa. Lokhu kungaba yimfihlo, noma isiqinisekiso sasebhange.

Njengoba igama laso libonisa, isiqinisekiso sasebhange yilapho ibhizinisi eliqinisekisa ukukhokha (uma umuntu okumele akhokhe engakhokhi) yibhange. Kepha, uyafuna ukwazi kabanzi ngalesi sibalo? Ngakho-ke lapha sichaza ukuthi siyini isiqinisekiso sasebhange, izidingo zalo, ukuthi ungasicela kanjani kanye nezinhlobo zeziqinisekiso ezikhona.

Siyini isiqinisekiso sasebhange

Singachaza isiqinisekiso sasebhange njenge- inqubo eyenziwa nebhange lapho kunikezwa khona isiqinisekiso, kulokhu kunikezwa yibhange, elizophendula uma kwenzeka kuqinisekisiwe (okusho iklayenti) ayiphoqi isibopho esiya kumuntu wesithathu. Ngamanye amagama, ibhange liyasivikela ngokuqinisekisa ukuthi, noma lowo muntu wesithathu angaqoqi kithi, usazoba "nemali" yakhe ebhange.

Vele, isiqinisekiso siyingozi, noma ngabe yibhange, inkampani noma umuntu. Abaningi bayihlanganisa nemalimboleko, noma ngabe kuyaziwa ukuthi akuyona imigomo emibili efanayo (ikakhulukazi ngoba isiqinisekiso asisho ukukhishwa kwemali ngokushesha, kodwa sizosebenza kuphela uma umuntu engathathi isibopho asikweleta).

Ukwenza kube lula kuwe ukuqonda, sikunikeza isibonelo. Ake ucabange ukuthi ufuna ukuthenga indlu kodwa awunayo imali eyanele yokwenza lokho. Unenketho yokucela imalimboleko ebhange, kepha nokuthi ibhange uqobo lukuqinisekisa. Uma ukhetha le nketho yesibili, ibhange liba yisigunyazo sakho (isiqinisekiso sebhange) sokuqinisekisa umnikazi waleyo ndlu ukuthi, uma ngasizathu simbe ungakwazi ukukhokha, ibhange lizonakekela leyo nkokhelo.

Manje lokhu akwenziwa "ngokuzithandela." Ezimweni eziningi kunesivumelwano esithintekayo ngezinga eliphezulu lamaphesenti, okuyilokho okusebenza njengokwesekwa kokukhokha.

Yini edingekayo ukuze ube nesiqinisekiso sasebhange

Yini edingekayo ukuze ube nesiqinisekiso sasebhange

Njengoba sishilo phambilini, isiqinisekiso sebhange sicabanga ukuthi ibhange lizibeka engcupheni ngoba liba yisiqinisekiso uma ungathobeli isibopho, ikakhulukazi, senkokhelo. Ngakho-ke, yize amabhange ebhange enqunyelwe ukuthi anikeze lolu hlobo lweziqinisekiso, ngoba zizuzisa kakhulu, bahlangabezane nochungechunge lwezimfuneko okufanele bazamukele.

Ukwenza lokhu, into yokuqala okufanele uyenze ukwenza ngokusemthethweni isiqinisekiso sasebhange ngaphambi kommeli olungisa izivumelwano Yini okufanele uyenze? Inqubomgomo yokuqinisekisa ukwembozwa yasebhange, noma inqubomgomo yokumbozwa komkhawulo weziqinisekiso zebhange (lapho kuneziningana).

Empeleni kuyisivumelwano nebhange lakho lapho avuma ukukuqinisekisa futhi asebenze njengesiqinisekiso somuntu wesithathu uma kwenzeka kwephulwa ingxenye yakho. Kepha akugcini lapho. Futhi lowo mbhalo uzolawula ubudlelwano onabo nenkokhelo, amakhomishini akucela ukuthi ube yisiqinisekiso sebhange, izintshisekelo nezindleko.

Ngalokho, isiqinisekiso sasebhange kufanele sicabangele imininingwane emi-3: inani eliqinisekisa ngalo, isikhathi salesi siqinisekiso, kanye nemibandela ekhokhiswayo uma kwenzeka kukhona okungakhokhiwe komuntu ophoqelekile ukukukhokha.

Izinhlobo zeziqinisekiso zebhange

Izinhlobo zeziqinisekiso zebhange

Phakathi kwezinhlobo zeziqinisekiso zebhange, ungathola izinhlobo ezimbili ezivame kakhulu. Lezi izi:

Isiqinisekiso sebhange lezezimali

Kusho ukuvuma okune- njengenhloso ukukhokhwa kwenani elithile ebhange. Vele, lokhu ngeke kusebenze kuze kube yilapho umuntu ehluleka yedwa ekukhokheni. Okwamanje, ibhange akudingeki likhokhe lutho.

Isiqinisekiso sebhange lobuchwepheshe

Lolu hlobo lokuvumela lisho izimo lapho, lapho kunokwephulwa kwesibopho esingakhokhi, ibhange liyayinakekela.

Ukwenza kube lula kuwe ukuqonda, sikhuluma ngezimo, ngokwesibonelo, ngaphambi kwenhlangano yomphakathi, abaphathi noma umuntu wesithathu. Isibonelo, kungahle kube ngenxa yokubamba iqhaza kuthenda, ithenda, ukwenziwa komsebenzi, imishini, izinsiza zokuphatha, njll.

Ungakucela kanjani ukugunyazwa

Ungasicela kanjani isiqinisekiso sasebhange

Lapho usuthathe isinqumo sokuthi okuwukuphela kwendlela yokuthola isiqinisekiso ukuthola isiqinisekiso sasebhange (ngoba awufuni / ungasebenzisa isiqinisekiso sakho), isinyathelo esilandelayo okufanele usenze ukuya ebhange lakho ukuthola ngalolu hlobo lwensizakalo.

Isinqumo sebhange ngeke sisheshe, okungukuthi, Okokuqala bazocela zonke izinhlobo zemibhalo ukutadisha leli cala, hlolisisa ubungozi bese ubona izinzuzo ezingazithola uma zingaba abaqinisekisi bakho. Ngaphandle kwalolo lwazi, ngeke banake necala lakho, ngakho-ke kubalulekile ukuthi ulethe konke ukonga isikhathi; kufaka phakathi, uma kungenzeka, umbiko ngempilo yomsebenzi, imali mboleko uma unayo, izimpahla ezibonakalayo, njll.

Ngemuva kwesikhathi (okungaba kusuka ezinsukwini ezimbalwa kuye emasontweni ambalwa noma izinyanga), ibhange lingamukela njengesiqinisekiso sebhange. Kepha ngasikhathi sinye izophoqelela izimo zayo. Njengomthetho ojwayelekile, lokhu kuvamise ukuba kube idiphozi ephakathi kwezinyanga ezintathu nezingu-3 zalokho okufanele ukhokhe lowo muntu ku-akhawunti engakwazi ukuthintwa kuze kube ukuphela kokuvunywa, kanye namakhomishini noma inzalo esizodinga ukuyenza cela ukuthi ibhange likuqinisekise.

Uma wamukela, kufanele kusayinwe inkontileka lapho kuqoqwa konke lokhu okungenhla. Futhi ngomumo. Usuvele unesiqinisekiso sebhange.

Umehluko phakathi kwesiqinisekiso nesiqinisekisi

Ngaphambi kokuphetha, sifuna ukuveza imiqondo emibili, okwamanje, ongacabanga ukuthi iyafana, kanti empeleni ayifani. Sikhuluma nge-guarantor (noma i-guarantor) nange-guarantor. Bobabili bazama "ukukhipha imali", kepha bahluke kakhulu komunye nomunye.

Okokuqala, umqinisekisi umuntu obophezeleka komunye uma kwenzeka lowo muntu engathobeli inkokhelo. Isiqinisekiso senza okufanayo, okungukuthi, siqinisekisa ukukhokhwa uma umuntu obophezelekile engahambisani naso.

Kulungile manje isiqiniseko uqobo siphoqelekile ukwenza le nkokhelo uma kwenzeka iphutha ngumuntu okufanele enze kanjalo ngenkathi umqinisekisi engadingi ukuphatha inkokhelo kuze kube yilapho omkweleta omkhulu emangalelwa ngaphambili.

Ngakolunye uhlangothi, yize la magama womabili engabonakala efana, iqiniso liwukuthi womabili adlala “kumaligi” ehlukene. I-guarantor yigama le-mercantile ngenkathi isiqiniseko sesomphakathi.


Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.