Abaqhubi bamanje banenhlanhla. Nabani na ofuna ukuthenga isithuthi angakhetha ukuthenga isiqeshiso, okanye athathe imali yemboleko yokuthenga. Siphakamisela ukufumana ukuba yiyiphi indawo yokuqeshisa, yiyiphi inzuzo kunye nokuba ingaba isebenza ngokuqeshisa.
Ukuqeshisa - yintoni na?
Ngokuqhelekileyo, abo banqwenela ukukhipha imali mboleko banomdla kwizinto ezibhekiselele ekuqeshweni kwemali. Ngeli thuba sithetha uhlobo oluthile lotyalo-mali olujoliswe ekufumaneni ipropati, kunye nokutshintshwa ngokususela kwisivumelwano sokuqeshisa esikhethekileyo kumabutho omthetho kunye nabantu ngabanye ngokuhlawulwa kokuvunyelwene ngexesha elifunekayo kunye nemimiselo efunekayo echazwe kwisivumelwano. Kule meko, ummkeli wokuqeshisa unako, ukuba uyayinqwenela, ukubuyisela ipropati. Kukho ukuqeshiswa kwe-real estate, imoto kunye nezinye izinto eziyimfuneko.
Ukuqeshisa kusebenza njani?
Kweminye, umba wokuqeshisa unzima kwaye awuqondi kakuhle. Nangona kunjalo, ngokwenene indlela yokusebenza yolu hlobo lomsebenzi wotyalo-mali ilula kwaye ibonakala ngathi:
- Umqeshi kufuneka afake isicelo kwiinkampani eziqeshisayo zokuqeshisa kunye nesicelo sakhe sezixhobo eziyimfuneko.
- Inkampani enikezela le nkonzo iya kuqhuba ukuvavanya ukuthengiswa komsebenzi othile, emva koko izitya ziya kuthengwa kumshumayeli okanye umenzi.
- Xa omncinci sele sele engumnikazi we sixhobo, unokuyidlulisela ixesha elithile ukuya kusetyenziso lomthengi, apho uya kufumana khona iintlawulo zexesha.
Yintoni yokuqeshisa imoto?
Inkonzo entsha malunga neemarike zanamhlanje ukuqeshiswa kwemoto. Nsuku zonke unamanqaku amaninzi. Le ndlela yokuthenga isithuthi ingabizwa ngokuba yinto elula kakhulu kwaye inenzuzo, kuba umntu uhlawula imoto kwaye unelungelo lokulikhulula kwikamva. Le nkonzo izuze ukuthandwa phakathi kwamashishini omthetho, apho kulungele ukuthenga ngokusetyenziswa kweentlawulo ezininzi. Kubemi lithuba elikhethekileyo lokusebenzisa umatshini emva kokuba ipakethe yamaphepha edibeneyo kwaye intlawulo yokuqala yenziwe.
Ukuqeshisa - i-pros and cons
Olu hlobo lomsebenzi wotyalo-mali alunakubizwa ngokuba lulodwa oluhle okanye olungavumelekanga. Kukho iinzuzo kunye nokungahleleki kokuqeshisa. Enye yeenzuzo ezibalulekileyo zokuqeshisa - akukho mfuneko yokushiya isibambiso, ngokuqinisekileyo ukukholisa bonke abathengi. Ukungonakali kwayo kunokubizwa ngokuba ngumrhumo ophezulu xa kuthelekiswa nokuboleka imali.
Iinkqubo zokuqeshisa
Abathengi abaninzi beefayile ezizodwa bayazi ukuba yiyiphi ukuqeshisa kwaye bayazi ukuba yintoni inzuzo yokuqeshisa:
- Ixabiso lentlawulo ephantsi kunye nokukwazi ukuqinisekisa ngemigangatho eyamkelekileyo.
- Umxhasi unokuhlawula ngokukhawuleza ukuqeshisa ngaphambi kokuphela kwesivumelwano ngaphandle kokuhlawulwa kwemali kunye nokulahleka okukhulu.
- Ukuba unqwenela, unokuhlawula ngokukodwa imali mboleko. Kule meko, yonke imali isetyenziselwa ixesha elifutshane.
- Kwimeko ezithile i-inshorensi iyakhethwa, kwaye ngamanye amaxesha le ngenye yeendlela eziphambili.
- Isisombululo esihle kwiimeko apho ufuna khona ngokukhawuleza ukuthenga izixhobo ezintsha, okanye imoto, nokunciphisa isantya akukho nangoko. Ngoko unako ukuqhubeka nokubuyisela inzuzo kunye nokuphuhlisa ishishini ngokuhlawula iindawo ezifanayo zexabiso elipheleleyo.
- Akukho mfuneko yokushiya isibambiso.
Ukuqeshiswa kancane
Ukuthetha malunga neenzuzo zolu hlobo lomsebenzi wotyalo-mali , kubalulekile ukuhlala kwiingxaki. Iingcali zichonga iziphumo ezinzima zokuqeshisa:
- Ukuhlawula ngokuphezulu. Ukuba uthatha ukuthelekisa nezinye iintlobo zokubolekisa, ngoko ke ukuhlawulwa kwemali kubalulekile.
- Ayikho imarike ecebile kakhulu kwiinkonzo zokuqeshisa. Kweminye imimandla kunye nezixeko kunzima ukufumana inkampani enika iinkonzo ezinjalo.
Uthini umahluko phakathi kokuqeshisa nokuqeshisa?
Iingcamango ezifana nokuqeshisa nokuqeshisa zihlobo lwezobudlelwane bezemali phakathi kwamashishini angomthetho, apho elinye iqela lihlawula enye indawo yokuhlala. Ngaloo ndlela ukwahlula oku kwahlukileyo:
- Ngexesha lokuqeshisa, into yokuthengiselana kufuneka ikhululwe, kwaye xa iqeshiso liphela, libuyiselwa kumncinane.
- Inkontileka yokuqeshisa idla ngokugqitywa ixesha elide, kwaye enye into yipropati yomntu oqeshisiweyo. Okufanayo akunakutshiwo ngokuqeshisa.
- Izicwangciso zomhlaba zingabhalwa, kodwa zingakhange ziqeshwe.
Ukuqeshiswa kweqeshiso kuyahluka njani kwimali mboleko?
Abo banqwenela ukuba ngabanini nawuphi na umhlaba kwiimeko ezifanelekileyo bahlala bebanomdla kwiyiphi indlela eyahlukana ngayo yokuqeshisa ivela kwimboleko. Iingcali zibiza ezo zinto zantlukwano:
- Isihloko sesivumelwano sokuqeshisa ipropati, kunye nokuboleka imali.
- Umnikazi wokuqeshisa yinkampani yokuqeshisa, kwaye umnini-mboleko ngumthengi.
- Ukuqeshiswa kwemali kubonelela ngeenzuzo zemali, kwaye ukuboleka akukho.
- Ukuqeshiswa kwemali kungabonakalisa zombini amashishini omthetho kunye nabashishini ngabanye, kwaye ukuboleka kufumaneka kubantu ngabanye.
Ukuqeshisa okanye iitaliti - leyo inenzuzo kakhulu?
Iingxowa kunye nokuqeshisa zinemisebenzi yabo kunye neengxaki. Kukho iinzuzo eziphambili zokuqeshisa:
- Ixesha lokwenza izigqibo kunye nokusetyenziswa komthengi lufutshane kakhulu kunokuba luboleka.
- Inkontileka yokuqeshisa ixesha elide kunexesha lokuboleka.
- Kukho izicwangciso ezahlukeneyo zokuhlawula iintlawulo zokuqeshisa.
- Inkampani ihlawula iindleko zeentlawulo zempahla kunye ne-inshurensi.
- Xa kuqeshiswa akukho mfuneko yerhafu yerhafu.
- Umnini wokuqeshisa unelungelo lokutshintshisa imoto, ukuphelisa isivumelwano kunye nokubuyisela isithuthi.
Ndingayenza njani ukuqeshisa?
Abo banqwenela ukuba ngabanini bemoto bahlala benomdla kwiendlela zokuthatha iimoto zokuqeshisa abantu ngabanye. Ukwenza oku, kufuneka ukhuphe isicelo sokufumana izixhobo eziyimfuneko okanye imoto yokuqeshisa. Kulo xwebhu, qhafaza ikopi engabonakaliyo yekharityhulam yombutho ngexesha lokugqibela. Ngokusekelwe kumaphepha anikezelweyo, inkampani iya kuba nokwenza isinqumo sokuqala. Ukuba kubonakala ngathi kulungile, inkampani iya kunika ukuhlaziywa kokubala kweentlawulo zokuqeshisa kwaye uluhlu lwawo onke amaxwebhu afunekayo kwisivumelwano:
- Iikopi ze-charter yenkampani eqinisekisiwe ngu-notary;
- isatifikethi sokubhalisa kunye nokungena kwi-rejista yelizwe edibeneyo;
- ikopi yepasipoti yomphathi;
- ikopi yomyalelo wokutyunjwa kwe-akhawunti yomphathi-mkhulu;
- maxwebhu e zemali;
- Iingxelo zeBhanki ezibonisa ingeniso yombutho kwixesha elidlulileyo ezintlanu;
- ulwazi malunga nezivumelwano zoshishino kunye nemboleko.
Kule meko, inkampani nganye ekhethekileyo ingaba neepakethe zayo. Ngenxa yoko, kubalulekile ukucacisa ngaphambi kokungenisa. Emva kokuba ahlolisise kwaye ahlalutye amandla omninimzi-mali, uya kuzisa ngokukhawuleza isigqibo sakhe sokugqibela. Emva koko, kuya kubakho inxalenye enzima yokucwangcisa amaxwebhu afanelekileyo. Kuya kubakho ukudala isivumelwano esithile sokuthengisa, isivumelwano kunye ne-inshurensi ethile kwipropati ethile. Ngokuqhelekileyo le micimbi ilawulwa yiinkampani eziqeshisayo zokuqeshisa.