Yini ukuhlinzekwa kwezimali?
Una ukuhlinzekwa kwezimali, yisicelo umhlinzeki wesevisi okufanele asenzele iklayenti lakhe elizayo, Ukuze leli klayenti likwazi ukumkhokhela iphesenti elithile lemali ukuze likwazi ukukhokha izindleko ezikhiqizwayo lapho kwenziwa ukucubungula izinsizakalo eziceliwe.
I-Las Izimali zesikhwama ziphindaphindeka kakhulu emikhakheni eyehlukene, njengasemkhakheni wezomthetho, lapho umsebenzi kufanele ngaso sonke isikhathi uqalwe ngesicelo sangaphambilini sokuhlinzekwa kwezimali.
Umehluko phakathi kokuhlinzekwa kwezimali nokukhokhwa kwe-akhawunti.
Imvamisa lezi imiqondo emibili, zivame ukudideka, Lokhu kungenxa yokuthi kuzo zombili izinhlobo zezimo okwenziwayo kuyafana, kungukulethwa kwephesenti lemali elivela kwiklayenti ezonikezwa lona izinsizakalo futhi ngokuhamba kwesikhathi lapho inqubo noma ukuphathwa sekuqediwe, kuzokhipha kusukela ekukhokhelweni kokugcina.
Kepha yize banokufana, ukuhlinzekwa kwezimali nokukhokhwa kwe-akhawunti kuhluke ngokuphelele ngoba imiphumela yayo yezezimali nezomthetho ayifani, ngakho-ke kufanele sicace bha, ngasiphi isikhathi lapho sibuzwa khona noma sihlinzeka ngesibikezelo sezimali nokuthi okudingekayo ukuthi kwenziwe ukukhokhelwa kwe-akhawunti.
- Ukuhlinzekwa kwezimali: Luhlobo lokukhokha olwenziwe yikhasimende njengesisusa sento ezoba yimali ekhokhwayo ephelele esetshenziselwa izinsizakalo ezizokwenziwa.
- Inkokhelo yoMthethosivivinywa: Ngokungafani neyedlule, le nkokhelo kufanele yenziwe ngaphambi kokuqala; Ukukhokhwa okuyingxenye yemali ephelele njengoba iqongelelwa, ngendlela yokuthi inkokhelo ephelele, okungukuthi, inkokhelo ye-akhawunti yenziwa, lapho umsebenzi uqala.
Iyiphi imali efanelekile ongayicela esibikezelweni sesikhwama?
Isiko ebelisabalala lize libe yinto ejwayelekile, ikakhulukazi kweminye imikhakha, okuvamise ukwenzeka kufayela le- ukukhokhwa kokuhlinzekwa kwezimali, ukuthi kufanele zivumelane, nenani elizokhokhiswa kusuka emalini ekhokhwayo eyabelwe ukwenza labo baphathi noma umsebenzi, ngale ndlela, uma iphesenti elinikezwe ukuhlinzekwa kwezimali selitholakele, ekupheleni uthe umsebenzi, I-invoyisi ehambelana namaphesenti athi kufanele inikezwe ukuze kungabe kusadingeka ezinye izinkokhelo.
Ngale ndlela, esikhundleni se uqale uthole inkokhelo yesevisi, okuzokwenziwa ngaphansi kwentengo evaliwe, engenakuguqulwa, kuhlale kunenketho yokuthi uma kwenziwa umzamo omkhulu nokuzinikela kulokho obekuhloselwe, kuzoba nethuba lokugcwalisa ukubikezelwa kwezimali ezivela kuqala ngephesenti elengeziwe elizofakwa ekugcineni futhi ngaleyo ndlela likwazi ukuqedela ukukhokhwa kwezinsizakalo.
Ngakolunye uhlangothi, lokhu kungenzeka kumelela isiqinisekiso esifanele esizokhokhiswa njenge- inkokhelo emsebenzini wethuNjengoba usuvele unayo inkokhelo yokuqala yokuthi insizakalo yenziwe, ngaphambi kokuqala umsebenzi, lelo nani selivele litholakele, ngakho-ke abukho ubungozi bokwephula umthetho kwanoma yiluphi uhlobo.
Enye indlela engenziwa ngayo futhi evame ukuthandwa kakhulu, kusuka ekuhlaziyweni okwehlukile, yileso ukuhlinzekwa kwezimali, ihambelana no-50% wesabelomali esihleliwe, ngale ndlela okwamanje lapho kuvela khona noma yiluphi uhlobo lokungavumelani nenkokhelo ngemuva kwalokho, ukukhokhwa okungenani kwengxenye yenkokhelo ehleliwe sekuvele kwenziwe futhi nazo sezihlanganisiwe izindleko okungenzeka ukuthi sizibandakanye ekuqedeni inqubo noma ukukhokha.
Kunoma ikuphi, njengoba ubona, akuwona umthetho okhona okhomba noma ositshela ukuthi kufanele ube yini. inani elizocelwa ekunikezelweni kwezimali ukukwazi ukwenza umsebenzi, kepha kuzoya ngesimo esithile. Futhi uma, ngokwesibonelo, kumayelana nabasebenzi abavamile futhi lapho kungangabazeki khona ukuthi umsebenzi nokukhokhelwa kwawo kufanele kwenziwe ngaphandle kwenkinga, ngakho-ke bekungeke kudingeke ukucela inkokhelo yempesheni.
Imalimboleko yempahla.
Uma kwenzeka ukuthi i-pImalimboleko yempahla ebanjiswa ebhange noma esikhungweni sezimaliLapho nje imalimboleko isigunyaziwe, ngeke kudingeke ucele isibikezelo sezimali, ngoba le mali ngaphambi kwesikhathi ngeke ithintwe. Le mfuneko iyimpoqo uma kwamukelwa ukuthi bakunikeze imalimboleko yempahla ebanjisiwe, kuchazwe ngenye indlela, ibhange likunika umyalo wokuthi kufanele uhambise imali ngale ndlela, okokuqala kufanele unikezwe imali ukulethwa kwezimpahla ezibanjisiwe, inani eligcwele kufanele likhokhwe.
Lokhu kungenxa yokuthi ukucubungulwa kwebhange elifanayo, okwenzayo ukunakekela ukukhokha ezinye izinqubo okufanele zidingeke ukwenza ukwenziwa kwempahla ngokusemthethweni. Ngaphandle kokukhohlwa ukwenza isifundo sokusebenza lapho kudingeka khona inkokhelo.
Sibikezelweni lesi sikhwama?
Phakathi kwemisebenzi okumele ikhokhwe kubalwa leyo yokubhaliswa kwempahla, ngaphezu kwe-notary, izindleko zokuphatha njengezenzo ezisemthethweni ezibhaliwe, kanye nentela yokucubungula impahla uma kuyindlu yasekhaya esetshenzisiwe, izindleko zohlobo lokuhlola ngokulandelana ukwazi ukuthi impahla ibiza malini nezindleko zokuphatha kwayo.
Ngakolunye uhlangothi, uma lokhu Ukuhlinzekwa kwezimali kudingwa ngummeli, angakudinga ukukhokhela izindleko nempahla uhambelana nomsebenzi owenzayo noma njengokulethwa okwenziwa ngaphambi kokuthi izinsizakalo zakho zobungcweti zizoba yini, ngakho-ke njengoba sesishilo, ukulungiswa kuzokwenziwa uma wonke amaphepha eseqediwe.
Isibonelo sezindleko ukuthi ummeli kufanele amboze njengokuhlinzeka ngezimali, kunezibonelo ezilandelayo:
- Amanothi wesakhiwo noma irejista yezohwebo.
- Imibhalo ethathwa njengedingekayo ukukhishwa ngaphansi kwegama lomuntu oqasha izinsizakalo (iklayenti).
- Izindleko zemayela.
- Ukuhlala.
- Ukudla okubuyiswayo.
- Izindleko ze-notary.
Konke lokhu kuzodingeka, kuphela uma kwenzeka ukuthi ummeli noma ummeli abe nesidingo sokuthuthela kwenye indawo ukuze axazulule udaba aqashelwe lona.
Ziyini izindleko ezilinganiselwayo zokuhlinzekwa kwezimali?
Inqubo okufanele yenziwe ukwenza kube semthethweni ukubolekwa kwemali mboleko ngeke incike enanini lemali elimele ekugcineni, ngakho-ke akudingeki ukhokhise imali ethe xaxa ngokubhaliswa kwendlu ebiza kakhulu; inqubo ezoba intengo efanayo namaphesenti njengaleyo yendlu engabizi kakhulu. Yini amanani ancike kuyo izimali zokuphatha ezibekiwe phambilini, ngokwesibonelo indlu enenani elilinganisiwe lama-euro angama-200.000, kufanele ukhokhe iphesenti lokulungiswa kwempahla phakathi kwama-euro angama-200 noma angama-240 kuye ngohlobo lwe-ejensi, kusobala ukuthi lokhu kuyisiqondiso kuphela.
Este Uhlobo lwezindleko lungaba nokuhluka okuphezulu ngezizathu ezahlukahlukene, ngokwesibonelo, uma impahla ezobhaliswa ikude futhi idala izindleko zokuhamba. Imvamisa, okufanele kukhokhwe ekuhlinzekweni kwezimali kuvela ukuthi kuphakeme uma inqubo yenziwa ngabaphathi bebhange, ngoba abakwenzayo wengeza izindleko zephrojekthi noma zokuhlola.
Imvamisa, imali eyenzelwe lokho okuzohlinzekelwa ngezimali, Kufanele ifakwe kuhlobo lwe-akhawunti enikezwa ngummeli noma i-ejensi futhi isibonise yona. Uma kungakhokhelwa lokhu kuhlinzekwa kwezimali, kuzodala ukuthi i-ejensi noma ummeli alichithe icala lethu futhi angasebenzi naye. Lokhu kungenxa yokuthi ezimweni eziningi kungumthetho okufanele wenziwe ukukhokhwa kokuhlinzekwa kwezimali Kuyimfuneko ebaluleke kakhulu kuwe ukuthi uvume ukusebenzisana necala lethu futhi uqale ngokushesha ngezinqubo ezidingekayo zokuphathwa kwalo. Ngakho-ke ukubaluleka kokwenza le nkokhelo ngokushesha okukhulu ukuze sikwazi ukufuna noma silindele imiphumela esheshayo ekusetshenzisweni kwethu.
Ukuphetha nokukuchaza ngendlela efingqiwe, Ukunikezwa kwezimali, singakuchaza, njengenani lemali elifunwa ngummeli kwiklayenti lakhe, lokhu ngenxa yezimali zakhe noma izindleko ozokwenza maqondana nokuqala umsebenzi noma ngesikhathi sokuwucubungula, kuvela ukuthi kungukuxhumana kokuqala kwezomnotho phakathi kommeli neklayenti, ngamanye amazwi, kungokokuqala ukuthi ummeli abuze ngephesenti lemali ngenxa yokuthi inkokhelo yakhe izoba yini futhi iklayenti lizokwazi ukuhlanganisa isixazululo esisheshayo sesevisi ngeqiniso lokukhokha.