Kweli nqaku uya kufumana lonke ulwazi oluyimfuneko ukwenza a isivumelwano sesibhambathiso. Ukuqala ngokuba sithetha ntoni esi sixhobo somthetho, iintlobo zezivumelwano ezikhoyo kunye neendlela ezisesikweni eziza kuzalisekiswa ngeenjongo zesi sivumelwano. Ukongeza, uya kufumana kwakhona iiprothokholi ezilandelwayo ngaphakathi kwesivumelwano sesithembiso sorhwebo kwaye ekugqibeleni uya kufumana umzekelo wolu xwebhu onokuthi ulukhuphele kwifomathi yamagama.
isivumelwano sesibhambathiso
El isibambiso isivumelwano Ecuador Sisixhobo esisemthethweni okanye isivumelwano apho unikezela ngezindlu nomhlaba njengesibambiso sesibophelelo. Ngamanye amazwi, ukuba uyingxenye yolu hlobo lwekhontrakthi kwaye ubeke imoto yakho njengesibambiso, kufuneka ihanjiswe kwelinye iqela njengento emele ukuzaliseka kokuzibophelela.
Nangona kunjalo, le moto okanye isiqinisekiso sihlala sesakho kwaye omnye umntu wendalo okanye osemthethweni kwikhontrakthi akayi kuba nalo naliphi na ilungelo lokuyithengisa okanye ukuyitshintshisa ngelixa isesandleni sakho. Ungayithengisa kuphela kwaye ufumane imali kwintengiselwano ngokwakho, xa ungahambelani nokuzinikela okusekwe kwisivumelwano.
Kweli nqaku, uya kufumana isikhokelo esisebenzayo nesilula kuyo yonke into eyenza a isivumelwano sesibhambathiso elizweni kunye neempawu ekufuneka uxwebhu lwakho luzilandele ukuze zithathwe njengesivumelwano sesi simbo.
Ukongeza, ukwenzela ukuba ulwazi malunga nesivumelwano lucace ngakumbi, a isibhambathiso isivumelwano umzekelo ukuba unokukhuphela kwaye ulungelelanise iimfuno zakho.
Iiklasi zempahla
Nangona zonke zigcina umgaqo ofanayo, kukho iindidi ezininzi zezivumelwano zesibambiso ekufuneka uzithathele ingqalelo xa usenza inxalenye yesinye. Oku kuya kukunceda ukwazi omawukulindele malunga nesivumelwano ekuvunyelwene ngaso kunye nokuba zeziphi iziphumo ezinokubakho kwimeko yokungathotyelwa.
Ngezantsi ziintlobo zeempahla ezinokuthi zibekhona e-Ecuador:
- Urhwebo oluqhelekileyo. Olu lolona hlobo luqhelekileyo kwaye luyinto nje apho umboleki okanye umntu wesithathu egameni lakhe, ehambisa i-real estate kwelinye iqela njengokhuseleko okanye isiqinisekiso sokuba umboleki uya kuhambelana nomsebenzi othile worhwebo.
- Urhwebo olukhethekileyo. Kule meko, ikhontrakthi isekwe kuphela ngokuthanda umrhwebi obhalisiweyo nakwizinto azithengisayo ukuba zihlawulwe ngokunikezela ngetyala kumthengi. Umzekelo, ngesivumelwano solu hlobo, uzisa imoto yakho kumnini wevenkile ethengisa inyama kwaye ngokutshintshiselana naye wandise ikhredithi yeemveliso zakho. Ngale ndlela, umbolekisi akayi kuba nelungelo lokuthengisa imoto yakho ukuba nje uthobela intlawulo yekhredithi.
- EzoLimo noShishino. Ekugqibeleni, unikezela kumbolekisi i-asethi enye okanye ngaphezulu egqitywe ngumthetho, njengokhuseleko okanye inkxaso ekufumaneni ikhredithi ngeenjongo zolimo okanye zoshishino.
Nangona kunjalo, ifom esetyenziswa ngokuqhelekileyo isibambiso esiqhelekileyo sorhwebo, ngoko ke imigaqo kunye neempawu zayo ziya kuchazwa ngokubanzi ngaphakathi kwecandelo.
IiProtokholi zeSithembiso esiQhelekileyo soRhwebo
Ukungena kwisivumelwano esinjalo kufuna umlinganiselo othile womsitho, ngoko ukuseka izivumelwano kunye nokuxhawula izandla akwanelanga. Ngamanye amazwi, ukongeza kwesi sigaba sokuqala, esiyimfuneko ngokuqinisekileyo, wena kunye nelinye iqela kufuneka nishiye izibophelelo ephepheni. Ngaphandle koko, isivumelwano sakho asiyi kusebenza phambi komthetho okanye naliphi na iqela lesithathu.
Ke ngoko, inyathelo lokuqala kukulungiselela uxwebhu oluchaza ngokweenkcukacha izivumelwano kunye nezenzo ekufuneka zenziwe phantsi kwe isivumelwano sesibhambathiso. Kwakhona, khumbula ukuba olu hlobo lwesivumelwano lubandakanya imisebenzi yorhwebo okanye yorhwebo, njengoko kuchaziwe kwicandelo langaphambili.
Iindlela zokuQinisekisa ngokusesikweni ikhontrakthi yesiBambiso
Ngaphambi kokuchaza iindlela ezahlukeneyo zokwenza, kuyimfuneko ukucacisa ukuba isivumelwano sisemthethweni xa ingubo ihanjiswa. Ngoko ke, oku kunokwahluka ngokuxhomekeke kwiimpawu zento eza kuhanjiswa njengesiqinisekiso sokuzibophelela. Umzekelo, ukuba ufuna ukushiya indlu njengesibambiso setyala lakho, kuya kuba nzima kuwe ukuhambisa ipropati ezandleni zakho kumbolekisi. Nangona kunjalo, oku akunjalo xa isambatho yimoto okanye isiqwenga sobucwebe.
Ngale ndlela, kukho iindlela ezintathu zokwenza isibambiso, ezizezi, eziboniswe ngezantsi:
- Izihloko zomthwali.
- Amaxwebhu aya kuodolwa.
- Izihloko zamagama.
Unini uMbolekisi eSibambisweni?
Ngokuqhelekileyo sicinga ukuba umbolekisi uphethe isiqinisekiso, xa into okanye ipropati ikwidiphozithi yakhe, okanye kwezo zabameli bakhe. Ukongeza, sinokuyiqwalasela kwifa lakho xa isibambiso sikwizithethe, kwiindawo zokugcina zikawonke-wonke okanye kwiindawo zokugcina zabucala ezifumanekayo kumbolekisi.
Nangona kunjalo, kwimeko apho into enikezelweyo njengesibambiso ayikwazi ukudluliselwa, ilinganiswa ngamandla omboleki xa enamaxwebhu anika amalungelo kwipropati.
Okokugqibela, ukuba isibambiso sidluliswa, sinokusithatha kwelinye icala ukuba umbolekisi unamaphepha angqina uxanduva lwaso.
Umbolekisi phakathi kwesiVumelwano sesiBambiso
Unokuzibuza ukuba kutheni sithetha kuphela ngomboleki ukuchaza isibophelelo kunye namalungelo? Impendulo kukuba ikhontrakthi yesibhambathiso ibonakala ngokuba licala elinye. Ngamanye amazwi, kubonisa kuphela ukuzinikela komboleki-mali ekunyamekeleni nokubuyisela isiqinisekiso ukuba nje imimiselo yesivumelwano iyathotyelwa. Nangona kunjalo, amaxesha amaninzi sijika esi sixhobo somthetho sibe sisivumelwano samazwe amabini esingafezekanga sokuvelisa uxanduva kuwo omabini amacala.
Nangona kunjalo, kweli candelo siza kuthetha ngezibophelelo kunye namalungelo afunyanwa ngumboleki-mali xa esamkela olu hlobo lwesivumelwano, ekubeni inguye ekuqaleni onomsebenzi onzima.
Imbopheleleko
Eyona nto ibalulekileyo kunye nembopheleleko kuphela ukuba umboleki-mali ufumana ngale mvumelwano kukugcina into ethenjisiweyo, ukuze uyibuyisele kwimeko efanelekileyo xa imimiselo yekhontrakthi izaliseka ngumboleki. Nangona kunjalo, olu xanduva ngokubanzi lunokuvelisa olucacileyo ngakumbi olusekwe kuxwebhu olusemthethweni.
Amalungelo
Kule meko, kukho amalungelo amaninzi anikezelwa kumbolekisi ngokuxhomekeke kwiimeko ezivelayo ngexesha lekhontrakthi. Amagunya aphambili enawo kwisivumelwano aboniswe ngezantsi:
- Ilungelo lokugcina into ekubanjisiweyo ukuba nje intlawulo yetyala enikiweyo ayifezekanga.
- Ukuphelisa ixesha letyala kwangaphambili, ngaphandle kokuba isibambiso siphulukene nexabiso laso lorhwebo.
Ukukhutshwa koxwebhu
Kweli candelo, sithathela ingqalelo iimpawu ezicacileyo a isivumelwano sesibhambathiso ukuze ube semthethweni. Ukuqala ngenani leekopi ekufuneka zenziwe, apho kuya kuba yimali yamaxwebhu ama-2. Omnye wabo uhlala egcinwe ngumbolekisi kwaye enye kufuneka ihlale phantsi kononophelo lomntu onetyala.
Ngale ndlela, uxwebhu kufuneka luqulathe olu lwazi lulandelayo:
- Iimeko zemboleko.
- isixa semali ebolekiweyo
- Umdla (ukuba ukhona)
- Ixesha lokuhlawula.
- Igama kunye neempawu zento ethenjisiweyo.
Umzekelo weSibhambathiso seKhontrakthi
Ekugqibeleni, kweli candelo uya kufumana a umzekelo wesivumelwano sesibhambathiso, eya kusebenza njengesikhokelo sokwakha owakho uxwebhu olusemthethweni. Ukongeza, uya kukwazi ukukhuphela ifayile epheleleyo kwifomathi yamagama ukufumana lula ngakumbi xa ubhala isivumelwano sakho esithile.
Eli khonkco lilandelayo liya kukuvumela ukuba ukhuphele uxwebhu oluboniswe ngezantsi: Isibambiso-ikhontrakthi-1
IMVUMELWANO YESIBAMBISO
(edolophini), ngo-………… ka (inyanga)…………. wonyaka)…
Kunye
Kwelinye icala, njengoMtyala:
(Faka igama lomntu onetyala) …………………………, ubudala obusemthethweni, kunye nekhadi lesazisi. n ……….
Kwelinye icala, njengoMbolekisi:
(Faka igama lomntu njengombolekisi) …………………………, ubudala obusemthethweni, kunye nenombolo yesazisi …………… kwaye uhlala e …………………, isitalato………………. , hayi.………., Canton……….
Omabini amaqela akwikontraka ayaqaphela amandla omnye komnye ngokusemthethweni kwesi senzo, kwaye angenelele egameni nelungelo lawo.
BONISA
I.- Ukuba omabini amaqela avumile ukwenza isiVumelwano seSibambiso, apho uMboleki athembisa ukuhambisa uMbolekisi ngempahla yexabiso eyeyakhe ukuze ayikhusele ngazo zonke iziqinisekiso zokwenza kakuhle.
II.- Ukuba injongo yale khontrakthi ekufuneka ikhuselwe yile:
(Kuya kufuneka uchaze ngokweenkcukacha ipropathi egqithiselwa njengesibambiso: Into, isithuthi, isixhobo, ikhaya, izacholo, izixhobo zombane, imithwalo, indawo, i-attic, igaraji, into yomboniso (Khumbula ukuba zinokuba zizinto ezinokususwa kuphela) .
III.- Ukuba izinto eziya kugadwa ziyipropathi yoMboleki, ngaphandle kobukho bomntu wesithathu onamalungelo okanye amandla okuba nempahla okanye ukusetyenziswa phezu kweenjongo zesi sivumelwano.
Emva kokuchaza oku kungasentla, bayavuma ukungena kwesi Sibhambathiso seKhontrakthi ye (Faka igama lezinto ezichazwe ngasentla), ngokuhambelana noku kulandelayo:
IMIGAQO
OKOKUQALA .- UMboleki unikezela kuMbolekisi (indawo yegama lento edluliselweyo ngokwenkcazo yangaphambili: Indlu, isithuthi, into, njl.) yepropati yakhe, njengeSibambiso.
UMTyala ugcina ipropati yento ebolekiweyo.
Ixabiso le-asethi okanye i-asethi eyabelwe ( _ _ _ _ _ _ $) kwaye ityala elilindele ukugqitywa ngumtyali ngu ( _ _ _ _ _ _ $)
SECOND.- ISithembiso siqala ngomhla wokuhanjiswa okufanayo ekusayineni kwesi sivumelwano okanye ngomhla omisiweyo. Oko kukuthi, usuku (–/–/—-) kwindawo (faka idilesi kunye nexesha) kwaye iphele xa uMboleki ehlawula ityala.
Ngaphandle kokuba kungenxa yemicimbi yezomthetho okanye iBond yezinye iikhredithi, siSibhambathiso seziqinisekiso kwaye ukufunyanwa kwayo kuya kugcinwa de ityala elingekahlawulwa lihlawulwe.
Ekupheleni kwesi sivumelwano, uMbolekisi-mali uyavuma ukubuyisela ipropati eyona nto yale nkontileka. Ukongezelela, kufuneka ibe kwimeko efanayo ukuba ifunyenwe, kwaye kufuneka yenziwe kwiintsuku ezi-5 zokuphela kwetyala, ngokusebenzisa ijelo elifanayo elifunyenweyo.
ESITHATHU .- Umbolekisi uthatha ulawulo lwento ngokukhawuleza kokholo oluhle kunye nokugcinwa kwezinto ezilungileyo okanye iimpahla ezifunyenweyo.
Ukususela kumzuzu wokuhanjiswa, i-Creditor iphinda iphoqeleke ukuba iphendule nakwisiganeko esinethamsanqa, ngenxa yomonakalo obangelwa kwiimpahla ezihanjiswa ngabantu besithathu. Ukongeza, kuya kufuneka ubuyisele ii-asethi ekupheleni kweSibambiso kunye nezibophelelo eziseleyo zabaTyala ngokuhambelana nemimiselo yomthetho.
Izinto ezilungileyo okanye iimpahla ezithenjiswe kule khontrakthi kufuneka zihlale (faka idilesi epheleleyo yesiza).
Umbolekisi akanako ukuguqula indawo yempahla, ngaphandle kwesaziso esicacileyo kwangaphambili kuMboleki kwaye ngaphandle kwesigunyaziso esibhaliweyo esivela kuMboleki, ngaphandle kokuba ngumyalelo weGunya.
Umbolekisi uvakalisa ukwazi imeko yangoku yezinto ezilungileyo eziza kuhanjiswa.
(Uxwebhu olupheleleyo lukwifayile yokukhuphela)
Sukuhamba ungakhange uqale ujonge la manqaku alandelayo:
Bhala iSivumelwano soMsebenzi othile e-Ecuador
Umasipala waseCuenca E-Ecuador: Yenza Uthethwano ngeRhafu yePropati