Ungaxoxisana kanjani nenkampani yabameli ngesikweletu
Noma ubani oneminyaka engaphezu kuka-16 angafaka isicelo sokuthola iseluleko nosizo. Labo abangaphansi kweminyaka engu-16 bangafuna iseluleko nosizo bebodwa uma “benokuqonda okwanele”. Uma umncane kakhulu noma ungenakho ukuqonda okwanele, umzali wengane noma umnakekeli angafaka isicelo egameni lakho.
Ngokuvamile, uhlelo ngeke lukhokhele ukumelwa ngummeli enkantolo noma enkantolo (ngaphandle uma kufakwe i-ABWOR), nakuba ummeli engakusiza ukuba ulungiselele icala lakho futhi uxoxisane ngesinqumo sesimangalo kulezo zinqubo.
Uma umsebenzi owenziwe ummeli usufinyelele umkhawulo omiswe umbuso, ungacela ukwelulwa ukuze uqedele umsebenzi. Ummeli akakwazi ukuqhubeka nokusebenza kuleli cala kuze kube uyavunyelwa. Uma ukunwetshwa kwenqatshwa, kukuwe ukuthi unqume ukuthi uyafuna yini ukukhokhela umsebenzi owengeziwe.
Ummeli ngokuvamile akakwazi ukukumela enkantolo noma enkantolo ngaphansi kohlelo lwezeluleko nosizo, ngaphandle kwezimo ezithile ezilinganiselwe, isibonelo, ukulalelwa kwecala ngaphambi kwentsha kanye nokucwaswa kokukhubazeka okunikezwayo, okukhavwe Usizo Ngokumelwa (ABWOR). Ummeli wakho uzokwazi ukukweluleka uma kwenzeka i-ABWOR.
Kubiza malini ukudliwa?
Kodwa izinkinga zakhe zazisanda kuqala. Kwabe sekufika amasonto amaningi okusebenza nomuntu olungisa izimangalo ongenalo uzwela ovela kwesinye isifunda futhi ethola ingxenye yesicelo sakhe somshwalense womonakalo wezikhukhula kuphela. Ingabe kudingeke ukuthi uqashe ummeli ngesimangalo sakho esinqatshiwe?
Kungaleso sikhathi lapho yena nomkakhe banquma ukuqasha ummeli. Okwakulula ngoNovemba, njengoba engummeli. UNovember wacela inkampani yomshwalense ukuthi ifake i-adjuster, bakwenza lokho. Umlungisi omusha, ongowokuzalwa eCleveland, waqonda ubukhulu bomonakalo wendlu kaNovemba futhi wamsiza ukuthi isicelo sakhe sigunyazwe ngokugcwele.
Ingabe kufanele uxhumane nommeli ukuze nixoxe ngesicelo sakho somshwalense? Izimangalo ezincane nezijwayelekile zivame ukuxazululwa ngaphandle kwezinkinga. Kodwa ezimeni lapho izigxobo ziphakeme-kokubili wena kanye nenkampani yomshwalense-kungase kube nendawo eyengeziwe yokuphikisana. Lokhu kungase kuhlanganise:
Ukukhuluma nommeli onolwazi ngaphambi kokuxhumana nenkampani yakho yomshwalense ukuze ufake isimangalo kungakusiza ugweme ukuthi icala lakho lilimale lapho uthintana nabamele umshwalense abanolwazi olunzulu lapho uvula isicelo, uyanezela.
Imali mboleko yomuntu siqu yezimali zommeli
Izindleko zokuvala zingase zifakwe enanini lemalimboleko noma zikhokhwe lapho kuvalwa, kuye ngohlelo lwemalimboleko, izici zemboleko, kanye nezinqubo zomboleki ngamunye. Xhumana nababolekisi obacabangelayo ukuze ufunde mayelana nezinhlobo zezinhlelo zemalimboleko ezitholakalayo kanye nezinketho zezindleko zokuvala.
Abathengisi, ngakolunye uhlangothi, bakhokhela amakhomishini omthengi kanye nomthengisi, izimali zokudlulisa, kanye nezimali zabo zommeli. Kodwa-ke, imithetho yendawo iyahlukahluka ngokwendawo futhi izinto eziningi zingaxoxwa ngenkontileka.
Ababolekisi bavamise ukudinga i-appraisal njengengxenye yenqubo yokubhala ngaphansi, ngaphambi kokuxhasa ukuthengwa kwekhaya ngezimali. Ukuhlola kubiza cishe u-$300 futhi kungahluka ngentengo kuye ngendawo nobukhulu besakhiwo. Umbolekisi uqasha umhloli wamanani ukuze anqume inani lemakethe elifanelekile lekhaya, futhi umthengi ukhokhela umbolekisi.
Ngezinye izikhathi ukuhlolwa kwesibili, okubizwa ngokuthi imali yokuhlola kabusha, kuyakhokhiswa. Lokhu kuvamile lapho umdayisi elungisa indlu engase ishintshe inani lesakhiwo. Imali yokuhlola kabusha, njengokuhlola kokuqala, imvamisa iba ngama- $300.
Ingabe Kufanele Ngiqashe Ummeli Wokukhokhelwa Kwezikweletu?
Inkampani enesihloko izosesha isihloko ukuze ithole noma yiziphi izinkinga ezingase zibe khona ngesihloko, njengamalinki noma amalenki. Inkampani ingase yenze noma yiziphi izinguquko futhi iqinisekise ukuthi lokho ekutholile kulungile.
Ukuseshwa kwetayitela kuwuhlelo lokuhlola amarekhodi omphakathi ahlobene nesakhiwo kanye nokunquma umnikazi wendawo. Ukusesha kuphinde kwembule noma yiziphi izimangalo noma izikweletu endaweni futhi kungase kuveze noma yiziphi izimangalo ezingaziwa kumnikazi wamanje.
Izindleko ezifakwe ezinkokhelweni zokukhokhelwa kwetayitela ngokuvamile zihlanganisa i-escrow (ukuphatha nokukhishwa kwezimali), inhlolovo nezindleko ze-notary, izimali zokulungiselela itayitela, nezinye izinkokhelo ezihlobene nokusesha isihloko. Imali yokukhokha isikweleti ingase ifakwe kwezinye izinkokhelo, njengezimali zommeli. Leli zinga liyahlukahluka.
Umshwalense wetayitela lombolekisi uvikela umebolekisi kunoma yiziphi izimangalo endaweni. Ivikela umbolekisi kuphela, hhayi umthengi. Ngisho noma inkampani enesihloko isisusa isihloko, kungase kuvele okuthile. Umshwalense wetayitela lombolekisi uvamise ukudingwa yinkampani yakho eboleka imali.
Ivamise ukuthengwa ngephakethe elinomshwalense wetayitela lomnikazi. Lezi zindleko ziyinkokhelo yesikhathi esisodwa evamise ukuba phakathi kuka-0,5% no-1,0% yenani lentengo. Isibonelo, ikhaya elingu-$300.000 lingase libe nemali yomshuwalense wesihloko engu-$2.250.
