Inkontileka eqasha: Izici zokuthengiselana, ukulungiselela kanye nokwakhiwa kwenkontileka, ukuthi ungangeni kanjani kubakhwabambi bokudoba futhi ugweme ingozi yokuqedwa kokuthengiselana
Kungase kube kude nazo zonke izintengo zezindlu, futhi kuphakeme kakhulu, njalo ngonyaka siyakhula. Ngisho nemalimboleko ayikwazi njalo ukusiza, ikakhulukazi kusukela imikhawulo nezibopho zibeka kakhulu. Nokho, kunesinye indlela ukuklanywa kwe-akhawunti ye-akhawunti noma isivumelwano sempilo yonke enokuncika. Kodwa-ke, ngaphambi kokuba kwehlise, kufanelekile ukuhlola zonke izinzuzo nokubi.
Isivumelwano sokuqukethwe sokuphila konke okuncike ekuncikelweni sinquma ukuthi okhokha akanamphikisi imali ethile, kodwa futhi uqhuba umnikazi wefulethi (owemukela irenti).
Imvamisa, izinkontileka ezinjalo ziphethe nabantu abadala ngasizathu simbe basaphatha ngaphandle kokunakekelwa nokunakekela izihlobo. Ngakho-ke, okhokha intela uthola ithuba lokuthenga ifulethi (alivume ngokushesha, futhi ngemuva kwesikhashana), kanye nomnikazi wokunakekelwa kwezindlu kanye nokuqukethwe okufanele kwezezimali.
Amanye ama-ejensi ezezakhiwo anikela ngokukhethwa kwabanikazi bamafulethi abakulungele ukuphetha inkontileka efanayo. Noma, ngaphansi kwemibandela yenkontileka, isitholi sezindlu (Umkhokhi wesikhathi esizayo) kuzofanela akhokhe kuze kube yingxenye yezindleko zawo, inzuzo isasobala. Ake sicabangele: Uzokhokha intela yanyanga zonke (usayizi wawo ungomunye, izindlela zokupheka eziphilayo lapha azikho) futhi zikhokhwe izinkokhelo zokusetshenziswa. Kubandakanya isibonelo, thatha inani lerenti ngama-ruble ayizinkulungwane eziyi-10., Engeza ama-ruble ayizinkulungwane ezi-2 kulokhu. Izinkokhelo zomphakathi (Ingqikithi yokukhokha izoba ngama-ruble ayizinkulungwane eziyi-12.). Isibonelo, ama-radiators azophila iminyaka eyi-10; Lapho-ke ifulethi lizobiza okhokha imali ngenani elizosebenza uma ubukhulu buphindaphindeka ngenani leminyaka kanye nenani lenkokhelo: 121012000 = 144000000 rub. Kanye nemali yesikhathi esisodwa. Njengoba kunikezwe amanani entengo yezindlu zamanje, ochwepheshe bakholelwa ukuthi ukonga kungafinyelela kuma-70% ezindleko zefulethi.
Vikela amalungelo amaqembu kwinkontileka yokuqukethwe kokuqashisa noma impilo yonke angaba yincwadi enekhono futhi elihlanganiswe ngokucophelela eliqinisekisa ubudlelwano. Isibhedlela, ukuzilolonga kukhombisa ukuthi umamukeli akavikelekile kaningi, kepha okhokha okuqashisayo.
Kungani umehluko?
Uyini umehluko phakathi kwezinkontileka zokuqasha nokuqukethwe kwempilo kusuka kwizinkontileka zokuthengisa, ukuqasha kanye nempahla yempahla? Ngokuqasha konke kucacile: Kulokhu, indawo yokuhlala ayiyi ubunikazi balowo ofaka irenti. Noma ngabe umqashi uphetha isivumelwano esingu-10 noma ngaphezulu, lokhu akusebenzi njengesisekelo sokudluliselwa kwempahla yomninindlu.Ukuqasha nokuqukethwe kwempilo yonke akuwona ifa, yize kufana kakhulu naye. Ubuhlobo befa obuvame kakhulu obuhambisana nezihlobo, futhi kunzima ukucabanga ukuthi usizo oluhlobene luzolethwa kuphela ngojantshi wezentengiso - ifa (kanye nesenzo sokunikela ngokuya ngenkontileka yokudluliselwa kwempahla.
Eqinisweni, inkontileka yerenti ingenye yezinhlobo zezivumelwano zokudlulisa impahla impahla. "Izihlobo" eziseduze kakhulu - izinkontileka zokuthenga nokuthengisa kanye nokushintshana. Lapho uphetha isivumelwano sokuthenga nokuthengisa, umthengi unesibopho sokukhokhela impahla edluliselwe kuye echazwe ngqo ngemali kusenesikhathi (lo mthetho uhlala ungashintshiwe, noma ngabe umthengi ukhokha imali efakiwe). Ngaphansi kwenkontileka yenkontileka Kucatshangelwa ukuthi ukushintshaniswa kufanele kuhlobane nezimpahla ezifanayo (inani elilinganayo libekwe ngokuqhathanisa izindleko zempahla eshintshiwe); Uma izimpahla zingalingani, nikeza imali eyengeziwe ngohlobo noma ngemali.
Ngakho-ke, siyaphetha: Ukuqukethwe kwerenti kanye nokuphindaphindwa kwezinhlobo ezizimele zezinkontileka, ngaphansi kwemibandela yokuthi lowo owemukelayo we-Life Rent enza ukuthi kube nomfazi wayo okuqashiwe ngaphansi kwesifinyezo esivunyelwe (futhi ezinye izimo nokunakekelwa). Lezi zinkontileka zihlukaniswa ubukhona / ukungabikho kwe- "ONEX ONECT": Ngaphansi kwenkontileka yerenti, okhokha imali unikeza kuphela okuqukethwe okubonakalayo kwewadi. Uma inkontileka yokuqukethwe kwempilo iphothulwa, akusho ukuthi ukungasekelwa ngokwezinto ezibonakalayo kuphela, kodwa futhi sekushiwo ukunakekela asebekhulile, ivolumu yayo esungulwe yinkontileka (mhlawumbe kuzodingeka ukukhokha ukunakekelwa kwezokwelashwa kanye nomuthi noma ukugeza ingxenye isonto bese upheka isidlo sakusihlwa).
Ngaphambi kokungena kwisivumelwano sokuqashwa kwerenti noma kokuphila konke, hlola ukuthi ngabe iwadi yakho yesikhathi esizayo ingeyokulindela yini. Kwenzeka kanjena: umenzi wesicelo sokunakekelwa kwakho nemali ngumnikazi wefulethi akuyona, okungukuthi, ngeke ikwazi ukukunikeza izindlu ngaphansi kwanoma yiziphi izimo.
Amalungelo nezibopho
Inkontileka yokuqasha iphetha ngokubhala, aqinisekiswe emnyangweni, futhi abhalise emnyangweni wendawo egumbini lokubhaliswa kombuso, kanye nesivumelwano, esinikezela ukwahlukaniswa kwezindawo ezithengiswayo. Lokhu kulungiswe yi-Article 584 ye-Civil Codecarf.
Abakhokhi berenti banelungelo lokuthatha isinyathelo sezakhamizi, ezentengiso nezentengiso izinhlangano. Umemukeli angaba ngumuntu kuphela noma inhlangano engenzi nzuzo, efana ne-charity Foundation.
Ukuqashwa kwempilo yonke kukhishwa ngokusemthethweni ngenxa yesiphetho sesivumelwano sokuthenga nokuthengisa noma isipho sendawo yangempela, enye impahla ngesimo sokuqukethwe kwempilo yonke noma ngesimo sentela yempilo.
Isidingo esinamandla sokuthola usayizi werenti nobukhulu bokukhokha isikhathi esisodwa sobunikazi. Usayizi waso awusungulwa ngumthetho, kepha kungadala ukuqedwa kwenkontileka, uma kuvinjelwe ngokusobala (ake sithi kufanele izigidi eziyi-10. Unikeza ukukhokhwa kwama-ruble ayizinkulungwane eziyi-10.).
Inani lentela kufanele lifakwe embhalweni wenkontileka. Ngasikhathi sinye, kufanele kucatshangwe ukuthi uphethe yisivumelwano, hhayi esinye noma ezimbili, kodwa ngakho-ke, omunye wemibandela kufanele abe ukwanda noma ukuncipha kwevolumu yokuqukethwe kuye ngesimo se Umamukeli werenti kanye nezinga lokukhuphuka kwamanani (ngokuvamile kukhombisa njengephesenti lesilinganiso sokuqala sentela). Isibonelo, lapho uphethe inkontileka, iwadi yakho idinga umhlengikazi, futhi ngemuva kwesikhashana esinjalo yanyamalala (isimo sayo sathuthuka).
Ngaphezu kwalokho, yonke imithwalo yemfanelo yamaqembu kufanele ibekwe kwinkontileka. Okwe-Rent Payer, ngaphezu kokwenza izinkokhelo zokuqasha zifaka, ngokwesibonelo, okulandelayo: Ukuqinisekisa ukunakekelwa kwezokwelapha nokutholwa kwezidakamizwa; Imodi yokuthengwa kwemikhiqizo nokupheka; inqubo yokwenza ukunakekelwa komuntu; ukuthenga izingubo; Usizo Ngokugcina Ngendlu; Ukukhokhwa kwezinsizakalo zokusetshenziswa. Umamukeli werenti, nakade, kufanele axhumanise imali yaso nomkhokhi wokuqasha, athetheze ukwanda kwenani lokukhokha.
Ukwenza lula impilo ngemuva kokuphela kwesivumelwano, akukubi ukuhlinzeka ngenqubo yokubalwa kwezimali kwezinsizakalo ezinikeziwe. Uma kwenzeka, kungenzeka ukuthi ulungise inkontileka nokuthi amathuba okugcwalisa izikweletu awekho kuphela, kodwa ngokusebenzisa abantu besithathu. Ngemuva kwalokho, uma kwenzeka kungqubuzana (noma ngesikhathi sesifo somkhokhi wokuqasha), inkonzo yokuqukethwe komuntu osekhulile izoba nomunye umuntu, ngokwemvelo, ngokulahlekelwa ngumqashi.
Imibandela yokunqanyulwa kwayo iyingxenye ebaluleke kakhulu yenkontileka. Izizathu zokuqedwa zingamabili: "Ukwehluleka okuhlelekile ukulandela imigomo yenkontileka" kanye "nokwephula izibopho kuwo yiqembu elilodwa, elinemiphumela emibi ngakolunye uhlangothi." Sikuncoma kusengaphambili ukuthi uqondise futhi ubhalise ukuthi ngumamukeli werenti kwelinye lamagama.
Ekugcineni, kufanele kukhunjulwe ukuthi selokhu kwasayinwa kwenkontileka kanye nokwethulwa kwegalelo lokuqala elidluliselwe ngaphansi kwempahla yenkontileka kungelungelo lobunikazi lomkhokhi wokuqasha. Kepha noma yiziphi izenzo ekuhlukaniselweni kwazo (ukuthengisa, ukushintshana, ukunikela) kungenziwa kuphela ngemvume yomemukeli werenti, okumele ihlotshiswe ngokubhala nangamabomu. Umemukeli werenti nawo awunalungelo lokuthola noma yikuphi ukuthengiselana nempahla ngaphandle kokuxoxisana (uma kuphela inkontileka enganqamuki).
Uma isiboshwa sinikeza hhayi ukukhokhwa kwerenti kuphela, kodwa futhi nokunakekelwa komamukeli waso, sincoma ukuthi iphuzu lezindleko zokunakekelwa (Yebo, lithatha inflation inflation), hhayi Kuvezwe ezimpawu zezimali, kepha ukufakazela isimo sakho esihle nesifiso sakho kubo bonke abadala isigceme cishe akunakwenzeka.
Amadwala angaphansi kwamanzi
Cabanga ngalezi "zindlela" ukuze ungabanjwa ezikhwameni zokudoba.
Indlela yokuqala, noma "izihlobo zibuyile." Imvamisa, izivumelwano zokuqashisa noma zokuphila ziphetha impesheni eyodwa, okungukuthi, kucatshangwa ukuthi azinazo izihlobo noma ngesizathu esithile ngeke zikwazi ukunikeza okuqukethwe okuhle nokunakekelwa. Kwesinye isikhathi kwenzeka kanjalo: Kodwa-ke, izihlobo zingabamba iqhaza ekufezekeni komuntu osekhulile. Ngakho-ke, unquma ukuphetha isivumelwano se-akhawunti futhi wamukele usizo lwezezimali (hhayi kuphela) kuphela kubantu babantu. Kodwa-ke, ngemuva kwesikhashana, izihlobo ezithintekayo ngekusasa lempahla engapheli zimenyezelwe futhi zifunelwa ngumemukeli werenti ukuze anqamule inkontileka, athembisa ukuthi azomnakekela ngaphambi kokuvela kwezinsuku. Imvamisa, ukuze bakholise umuntu osekhulile, bese bephumelela, bese elandela icala enkantolo ngenxa yokwephulwa kwemigomo yenkontileka (inselelo yezinga elanele lekhwalithi yokunakekelwa, ngeshwa, lilula kakhulu).
Indlela yesibili, noma "Uphetha nobani nobani?". Ingozi enkulu ukuthi ifulethi lokufuna okhokhi lerenti alikwazi ukuba ngumuntu osekhulile ohlala kulo. Kepha lokhu kulula kakhulu ukubheka: lapho kulungiswa inkontileka, kwanele ukucela iwadi yayo yesikhathi esizayo ukukhombisa idokhumenti eqinisekisa ubunikazi befulethi. Kunzima ngokwengeziwe ukuthola enye: ukuthi ngabe umnikazi wefulethi uyakwazi yini ukukwazisa ngemuva kokumemezela ukuthi akunakuphetha isivumelwano esifanayo, ngoba kuvinjelwe yini ngembangela yempilo yezengqondo ebuthakathaka .
Indlela yesithathu kuphela "emaphethelweni asebekhulile." Umnikazi wamanga wefulethi angazama ukuthola igazi lakhe kabili. Kwenze, ngeshwa, mhlawumbe. Okokuqala, umuntu udonsa isivumelwano somshuwalense wefulethi (okuye uqobo kuyancomeka) futhi uphetha isivumelwano sokuqasha (noma okuqukethwe kwempilo). I-ATEPER iqala amaqhinga: Inkontileka yokuqasha iphakamisa ukuthi ukufa okungahleliwe noma ukulimala kwempahla edluliselwe ngaphansi kokukhokhwa kwerenti okuphakanyisiwe akukukhululi ukuqasha kabusha kwezibopho. Ngakho-ke, noma ngabe ifumane livutha, umqashi asazokhokha okuqukethwe kwemali kumnikazi wangaphambili wangaphambili. Ukuzijwayeza kukhombisa ukuthi asebekhulile, abafuna ukuzuza, bahlele, ngokwesibonelo, bavutha, bathole umshwalense, bese befuna ukuqhubeka nokukhokha kwanyanga zonke kwerisidi.
Indlela yesine, noma "Ungakukhohlisa kanjani izinhlangothi zombili ngeyodwa." Sesha umnikazi wefulethi ozovuma ubudlelwane bokuqasha yindaba ende futhi enzima, futhi akuzona zonke izinhlaka zezezakhiwo ezibandakanyekayo. Isikimu sezenzo zezinkampani zezezakhiwo ezinikela ngezinsizakalo ezithemuli lapho kunesivumelwano sezinkontileka: Umthengi wenza inkokhelo (imvamisa kuze kube yingxenye yezindleko zefulethi), ingxenye yomlamuli wemali udlulise umnikazi wefulethi, futhi Enye ingxenye ihlala ine-ejensi yezezakhiwo njengemali yemali eyenziwe. Ngasikhathi sinye, umthengi uthi ukunakekelwa komnikazi wefulethi kuzokwenziwa ngokuzimela. Enye yezimo zokubambisana ukuthi uma inkontileka yerenti ngesizathu esithile inqanyulwa, imali ngeke ibuyiselwe. Ngakho-ke i-ejensi yezezakhiwo ibonakale ithuba elihle lokuthola: umnikazi wefulethi efulethini athembisa ukuthenga izindlu futhi anakekele, athenge ukuthengwa kwendlu ngendawo ebambezelekile. Ngasikhathi sinye, akekho owenza ukunakekelwa komnikazi, futhi inkontileka izosheshe iqine. Umkhokha kanembeza wale ntela usemikhawulweni: Futhi imali ayibuyiswa kuye, futhi ulahlekelwa yizindlu. Kuyinto futhi ebaluleke kakhulu, hhayi kuphela umnikazi osekhulile wefulethi ehlala ngaphandle kokunakekelwa, kepha indawo yakhe yokuhlala kungenzeka ukuthi iye empahleni ye-ejensi yezezakhiwo ethengiswayo.
Ungaba kanjani?
Kungenzeka yini ukuthi ngandlela thile uzivikele? Yebo, isiqiniseko. Kungaba yindlela elula yokusho ukuthi: Ungaphethi inkontileka yerenti, futhi konke kuzoba kuhle. Sizozama ukwakha imithetho eminingana yokukhokha imali ekhokhelwa ekuhlaziyeni kwamacala enkantolo.
Okokuqala: Kuyadingeka ukuletha izikhombo mayelana newadi yakho yesikhathi esizayo, ukucacisa isimo sempilo yaso (kufaka phakathi ngokomoya), kanye nokuthola isimo sezezakhiwo ezithengiswayo olindele ukuzithola. Ukwenza ukuthengiselana kungagciniwe ngenxa yokungatholwa komamukeli werenti, cela izinkomba ezivela kwisitifiketi se-psycho-neurological, kanye (ngaphezulu (ngaphezulu (ngaphezulu (ngaphezulu (ngaphezulu (ngaphezulu (ngaphezulu kwesitifiketi sejele) kusuka ku-POSYCKIC kusuka ku-POLYCRICIC ye-x-ray yosuku lwenkontileka, futhi okungcono kakhulu, ukuphetha inkontileka phambi kukadokotela. Lokhu kuzofaka ezinye izindleko ezingezekile, kepha kuzokonga izinzwa zakho kanye nesikhwama sakho emcimbini wesicelo. Kuyinto efiselekayo ukutadisha nokukhishwa ekhadini lezokwelapha ukumela ukuthi yini izindleko zokunakekelwa kwezokwelapha kwewadi ozobe zivuliwe (endabeni yesivumelwano sempilo yonke enokuncika). Uma uhlomile nale mibhalo, bonisa ukungakwazi kwewadi yakho enkantolo kunzima kakhulu.
Into yesibili kuyadingeka ukuthola kulesi simo, uma usitholile iwadi hhayi wena uqobo: Akukho isivumelwano sokuthenga nokuthengiswa kwefulethi ne-ejensi yezezakhiwo. Uma inkontileka ikhona, kuyadingeka ukutadisha imibandela yayo futhi uqiniseke ukuthi uhlangane namawadi wesikhathi esizayo. Noma ngabe umlamuli ebakholisa ukuthi uzokunikeza ukunakekelwa okuthembekile kwabadala, kungcono ukuxhumana nalokhu. Lapho-ke uzokwazi kahle ukuthi i-ejensi idla kanjani izinkokhelo ezikhokhelwayo nokuthi ungakugwema ukunqunyelwa kwenkontileka ngenxa yokunganeliseki ngekhwalithi yekhwalithi yokunakekelwa noma usayizi werenti.
Okwesithathu: Kuyadingeka ukwenza uhlu oluphelele lwezibopho ozitholayo, eziphethe inkontileka. Enye yezimbangela ezivame kakhulu zokuqedwa kwenkontileka ukungeneliseki kokugcwaliseka kwe-X-ray kwezinsizakalo. Ngakho-ke, kuyadingeka ukubabuza kahle, ukuthi yikuphi ukuhamba okubalwa i-radiopter nokuthi yini ayilindele ekubambisaneni kwakho. Zama ukucacisa into ngayinye ngangokunokwenzeka. Ukuze wenze iphuzu lokuthi uthathe ukuhlinzeka ngokokwelashwa akwanele - kungamanga ngokweqile. Kungcono ukuhlinzeka ngento lapho kushiwo ngokusobala ukuthi wena, ngokwesibonelo, ukhokha umshwalense wezokwelapha wewadi emtholampilo onjalo.
Okwesine: Nquma inqubo yokubala. Inketho enhle kakhulu, uma imali uzohumusha ngokudluliselwa kwebhange, "Unombhalo osemthethweni oqinisekiswe yisici sesithathu, ezimele. Izinkokhelo zingangena encwadini yokonga noma ekhadini lepulasitiki, lokhu akubalulekile kangako. Hlahlulela uma uletha imali esigcekeni sakho mathupha, emvilophini, ungakhohlwa (futhi unganqikazi) ukuthatha irisidi kuye, ngaphandle kwalokho iqiniso lokuthola ukuqashelwa kulula ukuphonsela inselelo enkantolo.
Into elandelayo okufanele yenziwe ukuqala idayari, lapho izicelo zewadi zazo kanye nokubulawa kwazo. Kungaba kuhle ukuvuma ukuthi ukwenziwa kwalowo nalowo owamukelayo kwale irenti kuzoqinisekiswa yiSiginesha. Ungakhohlwa ukuphakamisa izinsuku bese uchaza izicelo ngokuningiliziwe. Uma iwadi icela ukumthengela i-kettle kagesi, yakha yonke imininingwane: isitsha, umbala, ukuqina, impahla. Kulokhu, uthola ubufakazi obungenakuphikwa bokuthi ufeze isicelo ngokugcwele.
Uma uqonda ukuthi iWadi likugcwalisa ngokoqobo zonke izicelo ezintsha ezingalungiswa yimigomo yenkontileka, ungayinqamula. Kodwa-ke, ukufakazela iqiniso le-EXTHEKI LOKUTHOLAKALA KWAMANZI Kuzoba nzima kakhulu uma ungalungisi ivolumu kusengaphambili kanye nezinga lezidingo kwinkontileka.
Masifingqemeke: Irenti (noma okuqukethwe kwempilo yonke) yiphuzu elinenzuzo ngempela. Isiphetho salezo zinkontileka yiyona ejwayelekile futhi evamile. Umkhuba wase-Russian ovela e-Europe usale ngemuva, kepha yonke into ihlelekile. Isiqinisekiso salokho okuthola efulethini kulalelisisa njengokuphela kwe-akhawunti ye-akhawunti noma isivumelwano sempilo yempilo kanye nokugcwaliseka kwezimo zayo.