Ukhuluma nini ngokwenza ifayili le- ukukhishwa kwempahla, Sikhuluma ngokuguqulwa okwenziwa kwamanye amaphuzu noma izici zempahla ebanjiswayo ngoba sifuna ukuthatha elinye ibhizinisi abasibiza ngalo inzalo encane noma basinike ithuba lokulikhokha ngesikhathi esincane kakhulu. Lokhu kungaba yi-subrogation evela kumuntu okweleta imali noma kokweletwayo.
Kwenzekani lapho i-subrogation ivela eqenjini elikweletayo
Lapho i-subrogation ivela kumuntu okweletayo noma phakathi kwabantu, okwenziwayo kwenziwa shintsha ophethe imali ebambisa ngempahla. Lokhu kujwayelekile uma uthenga indlu ebolekiswe ngemali okwamanje.
Ibhange aliphoqelekile ukwamukela okweletwayo omusha uma lingaboni kufanelekile
Ibhange lapho imali ezobanjiswa izodluliswa lingahle lingamemukeli okweletayo omusha noma lingamemukeli. Ngaphambi kokunikeza impendulo, ibhange kuzofanele lenze i- ukuhlola ingozi nalo muntu omusha ukuze akwazi ukuqinisekisa ukuthi ingafinyeleleka noma cha. Uma kwenzeka okweletayo omusha eyi- engozini yekhasimende lebhizinisi, kunamathuba amaningi okuthi ibhizinisi ngeke likwemukele njengekhasimende, ngakho-ke kuzofanela ufune ibhizinisi elikunikeza imibandela efanayo.
Lokhu kuvumela uthathe isikweletu ngaphandle kokukhokha enye imali ngale njongo. Kodwa-ke, uma kuzofanele ukhokhe i- izindleko zokuzimela. Lezi zindleko zihambelana notariary, i-ejensi, amarekhodi kanye nekhomishini ye-subrogation enikezwa ngesikhathi lapho imali ezoqala ukubanjiswa.
Ngemuva kwalokho sinefayela le- ukubolekiswa kwesikweletu lokho kungenzeka futhi phakathi kwamabhizinisi. Kulokhu, okwenziwayo kungukuthi shintsha imali ebanjiswayo kusuka kwelinye ibhange kuya kwelinye.
Ngenxa yalokhu, ngalinye lamakhasimende afuna ukwenza ifayela le- ukukhishwa kwempahla ebanjiswayo Bazokwazi ukwenza ngcono imibandela yemalimboleko eshiwo ngaphandle kwalokhu okusho ukuthi isikweletu kufanele sikhanseliwe noma ngaphandle kokuthi kwenziwe isivumelwano esisha ngokusemthethweni. Ukuthola omunye umuntu kungenye ye- izinketho ezingcono kubantu ukuthi babhekene nezinkinga zezomnotho, noma kunjalo, kuzoncika kakhulu esikhathini abasikhokha ngaso kanye nezinga lenzalo yabo yonyaka.
Amathiphu we-subrogation ephumelelayo yempahla
Lapho iklayenti lingenelisekile ngemibandela eliyinikwa yimpahla eliyibolekayo, imvamisa iqala ukukhulisa imali kungenzeka ukwenza isikweletu semali mboleko. Okuncike ekubekeni imali mboleko yempahla kwelinye ibhange, esesivele sibonile ukuthi isinikeza izimo ezingcono.
Kodwa-ke, ukuthola ibhange elisinika izimo ezinhle kakhulu akulula kangako. Lawa amathiphu okungafanele ukhohlwe uma ufuna ukwenza konke kuhambe kahle ekuzalweni kwakho ngokwesivumelwano.
Awudingi ukukhuluma nebhange lakho ukwazi ukwenza i-surrogacy
Ukuze ukwazi ukwenza ngokwesivumelwano, Awudingi ukucela imvume ebhange onayo imali mboleko; Njengoba esivumelwaneni esisisayina nabo, asikho isigatshana esisitshela ukuthi kufanele sihlale naso isikhathi esingu-X noma sibatshele ukuthi sifuna ukushintsha amabhange. Okufanele sikukhumbule ukuthi uma sifuna ukuthuthela kwelinye ibhange kufanele okungenani sibe neminyaka emi-3 yesibambiso esikhokhelwayo. Ibhizinisi elisha lizophatha ukuxhumana nebhizinisi langaphambilini ukubatshela ukuthi ufuna ukushintsha futhi ukhansele isikweletu sakho nabo ezinsukwini ezingaphansi kwezingu-7.
Ibhange lingasenza isipho esiphikisayo
Kuyacaca ukuthi yini ibhange alinantshisekelo lilahlekelwa amakhasimende. Lokhu kungenza ibhange lakho, lapho lithola ukuthi ufuna ukushintsha amabhizinisi futhi ube nemali mboleko entsha nelinye ibhange, isipho esisha sokuthi uhlale nazo. Lokhu kunikezwa okuphikisayo kungalingana nalokho esizoba nakho kwelinye ibhizinisi, kepha amanye amabhange aze akuthuthukise. Isikhathi esizwakalayo lapho ibhizinisi kufanele sikunikeze isipho esihle yizinsuku eziyi-15 ngemuva kokukhulumisana nezinhlelo zakho zokuya kwelinye ibhizinisi. Inhloso yokwenza ngcono ukunikezwa kufanele ihlale yenziwa ngaphansi kommeli olungisa izivumelwano.
Wonke ama-subrogations anezindleko ezingeziwe
Uma kwenzeka singazi ukuthi lezi zinqubo zenziwa kanjani, silindele ukuthi une- Ukweqiwa ngokwesivumelwano kuthwala izindleko okufanele ngabe uzihlelile ukuze ekugcineni kungabi kubiza kakhulu kunalokho okulindele.
Phakathi kwe izindleko zokuzimela izindleko zika izindleko zehhovisi le-notary, izindleko zokubhalisa nezokuphatha. Futhi, kungadingeka ukhokhe ikhomishini encane.
Kufanele futhi ukhumbule ukuthi ngokukhokha imali engaphansi kwe-ms ngayinye, isikhathi semali mboleko singakhuphuka.
Lapho ungafuni ukushintsha amabhange, nawe unezinketho
Uma ungafuni ukushintsha amabhange, ungaqhubeka umsindo Ngaleyo ndlela unethuba lokuba nezimo ezingcono kepha ngaphandle kokushintsha amabhange, okuzokonga izindleko ezingeziwe.
Kukhona nenye inketho eyi ukushoda kwemali mboleko. Lapha, besingakhokha inzalo kuphela ngaphandle kokunikela ngemali isikhathi esithile.
Khetha ubuningi nekhwalithi ngaso sonke isikhathi
Awufuni ukwehlisa inani. Abantu abaningi abafuna lolu hlobo lwe-subrogation benza kanjalo bafuna ukukhokha kancane inyanga ngayinye, ngaphandle kokubona ukuthi izinhlangano eziningi zinikela ngokukhokha imali efanayo kodwa isikhathi eside. Akumele sibheke kuphela amathuba okukhokha kancane, kepha nokukhokha inani eligcwele eminyakeni embalwa. Lokhu kulula kakhulu, okumele sikwenze ukuthola ibhizinisi elisibiza inzalo encane.
Okufanele ukwazi uma ufuna ukushintsha isikweletu sakho sempahla noma uma kukuhle kuwe ukuthi ushintshe isikweletu sakho sempahla
Uma une credit mortgage leso esineminyaka engaphezu kwengu-5 ubudala, ngakho-ke yisikhathi esihle sokushintshela kwelinye ibhizinisi, ikakhulukazi uma isilinganiso senzalo singaphezulu kuka-12%
Uma kwenzeka uvele ucele ukubolekwa imali noma unenzalo engaphansi kwe-10%, okunconywayo akukona ukwenza i-subrogation noma ngabe uneminyaka engaphezu kwengu-4.
Ngaphambi kokukhetha noma yiliphi ibhizinisi, hlolisisa kahle umshwalense ekunika wona nokuthi yiziphi izimali ezimboziwe isikweletu sobambiso
Uma ubulokhu ukhokhela isikweletu sakho seminyaka engaphezu kwengu-10, ochwepheshe bancoma ukuthi ungabe usazenza izinguquko ngoba kulesi sikhathi uyekile ukukhokha inzalo futhi uqala ukukhokha uthishanhloko.
Yimaphi amacala lapho imalimboleko yempahla engabanjiswa ngaphansi
Khumbula ukuthi ukuba ne- isikweletu nebhizinisi Uma kukhulunywa ngempahla ebolekiswayo, ayikuphoqi ukuthi uhlale lapho kuze kuphele isikhathi sempahla ebanjisiwe. Uma uthola ibhizinisi elikunikeza imigomo engcono noma inzalo ephansi kakhulu, ungaphuthelwa yithuba lokushintsha ngaphandle kwezimo lapho imali ebanjisiwe seyikhokhelwe iminyaka engaphezu kwengu-10, ngoba kulolu hlobo lwesimo inzalo icishe ikhokhwe futhi iyashintsha singakhombisa ukukhokha futhi.
Yiziphi izinyathelo ngaphambi kwesivumelwano
Uma wena njengekhasimende, unesibambiso kodwa ibhizinisi likunikeza izimo ezingconoLokhu kumele kwenziwe ngokubhala ngayo yonke imibandela ebikunikeze yona ekuqaleni Lesi senzo sibizwa ngokuthi “yisipho esibophezelayo”. Yibhizinisi elikwenza ube ngumnikelo omusha, okunguyena ophethe ukuxhumana nebhizinisi langaphambilini, isifiso sakho sokwenza ushintsho futhi bazotshela ibhizinisi ukuthi kungakapheli izinsuku eziyi-7, balethe inani elikweledwa kwempahla ebanjisiwe. Ngalesi sikhathi futhi ukuze ulondoloze iklayenti, ibhizinisi lakho lingakunikeza okunikezwayo okusha.
Uma uthatha isinqumo sokucabanga ukuhlala nebhizinisi lakho
Uma kwenzeka ukwazi cabanga ukuvuselela amandla akho okukhulelwa, okusho ukuthi wamukela imibandela emisha yebhizinisi lakho, uhlala kulo ngokuzenzakalela bese okunikezwayo kuyanyamalala. Kukhona nezimo lapho sinentshisekelo khona ebhange kepha ngemuva kokuhlaziya icala lethu, ibhange elisha esifuna ukuya kulo liyasenqaba ngokuba yikhasimende eliyingozi.
Kufanele uqaphele kakhulu ngezixhumanisi
Lapho sishintsha amabhange, into okufanele siyikhumbule ukuthi bayohlala besinikeza ezinye izinhlobo zemikhiqizo efana nomshuwalense oza nephakethe nokuthi ngokuhamba kwesikhathi ingasixhumanisa kakhulu kunalokho ebesingakuthandi nebhizinisi . Amabhange amaningi awakuniki ithuba lokwenza i-surrogacy nawo uma ungakhethi le mikhiqizo bese amanye uwafihla njengesipho, kepha empeleni asevele efakiwe entengo.
Ukwamukelwa ngokwesivumelwano noma ukwenziwa inamba, iyiphi inketho ekufanele kakhulu?
Zombili zizwakala zilinga kakhulu kubantu abaningi futhi kunzima ukwazi ukuthi iyiphi i- isinqumo esihle kakhulu ecaleni ngalinye. Ukuze sazi ukuthi yini evumelana nathi kahle kakhulu, kufanele sihlale phansi senze ukubalwa kwezimali ngakho konke. Kufanele ucele yonke into ephathelene ne-novation futhi uvakashele ezinye izinhlangano eziningi ukuze uthole i-surrogacy.
KANGISIZE KAKHULU NGAPHEZU KWONKE NGOBA KUNGAMAZWI ALULA UKUQONDA, NGIYABONGELELA