Yintoni na le credit irhafu investment

Kule mihla yemalimboleko ahambe lo mbutho phantse kuyo yonke imisebenzi yayo. Ngoncedo lwabo, imveliso yala maxesha, ukuthenga izinto, ekugqibeleni, nje ukuba nizalise zokuqhuba. Umthombo imali ezinjalo (ikakhulu) amaziko zebhanki. Kodwa kukho uhlobo elikhethekileyo mboleko, elawulwa ngurhulumente, kwaye apho uyakwazi ukucombulula iingxaki iintlawulo mali. Le credit rhafu investment.

Yintoni ngumongo mboleko enjalo? Makhe siqwalasele ngokweenkcukacha.

Xa inkcazelo enikwe kwi khowudi irhafu, ngetyala loo ngakumbi a lotshintshelo, kunokuba umntu mali-mboleko. Eneneni, kanye imali phezu kokuba ikhutshwe, kodwa emva kokuba ubhaliso yayo umbutho uvumelekile ukuba ukuhlawula irhafu kwi ubukhulu ezincinane.

Ngaphandle kwento yokuba isivumelwano umbutho kawonke, uninzi iimeko ezifanayo nezo zisetyenziswa ziibhanki. Apha ungacwangcisa ixesha mboleko, ukukhula kunye nokuba nomdla (rhoqo - encinane kakhulu). Apha ungachaza liability kwipropati ngenxa yokungahlawuli yamkelwe ziziqinisekiso yokwenza izibophelelo

ekhutshwe

Nangona yokuba kumatyala irhafu kunokuba kuphela yinkampani kodwa oosomashishini ngamnye, i-credit irhafu investment ikhutshwa kuphela kumaqumrhu asemthethweni. Oku kungenxa awohluke zobutyala propati. Lo mbutho kungarhoxiswa ukuba amatyala mortgaged kwipropati, oku kuba kuyimfuneko, nkqu umgwebo. Kodwa ukuze bazisunduze ngummi lwezindlu nzima kakhulu. I-Code Civil ungumgcini kwipropati yabucala, ingakumbi xa oko kuyimfuneko ukuze baphile.

Yintoni isidingo ikhutshwa

Ngokumalunga siboleka kwisifundo, kaninzi ngale ndlela kucima irhafu yengeniso, ngokwemiqathango intlawulo leyo imali eninzi kakhulu aphule. Wavele balandele yezohlwayo ngokohlobo izohlwayo, kwaye kuthatha ixesha elide kunye nezohlwayo. Xa isixa iintlawulo ukuba sizalwa kuyo, zonke ezi zixa siziguqulela imali ebonakalayo.

Ibangel 'umdla, kukuba urhulumente bakhathazeka, ukuba lo luhlu wayengekho ebanzi kakhulu. Ukongeza kwerhafu yengeniso nga kufakwa kuphela iindidi ezithile iintlawulo zemimandla kunye basekuhlaleni mali.

Yintoni na indlela

I-credit yerhafu yotyalo yindlela echazwe kakuhle. Lo mbutho, ebanika, ukuze, siye sathi nje, ukunciphisa intlawulo xesha lengxelo. Nangona kunjalo, isiqalo neencopho zesiphelo zizakulungiswa yobudlelwane zezivumelwano lithathwa xa imali yerhafu ezingekahlawulwa elingana nesixa-mboleko. Ngenxa yoko, isivumelwano eso ukhangela evela ngaphandle, njengoko ukusonjululwa ubukho kwamatyala.

Ukongeza, ukunciphisa le ntlawulo kuphela ukuya imida ethile. Lo mthetho wamisela bar kwi-50% yemali yerhafu ehlawulwa kwiimeko eziqhelekileyo.

Loo mboleko kufuneka unesakhelo elithile. Igama lincinane kuchaziwe kunyaka omnye, ubuninzi - iminyaka emihlanu. Ebudeni belo xesha kwakuthetha ukuba ngxaki iza kusonjululwa.

Kulo mzekelo, imeko isenokuvela xa umbutho kwafuneka ukuba ahlawule ngaphantsi kwirhafu kwe ezicetyiweyo, kwaye maxa wambi nkqu ukwenza ilahleko. Ngoko kukho intshiyekela kwezibonelelo ngetyala. Yinto elula: nexabiso lemali egciniweyo ke zidluliselwe kwixesha elilandelayo accounting.

Kakade ke, imibutho belungiselela ityala irhafu utyalo-mali, ukuba zihlale ziwulungiselelwe ukuphucula ulawulo ngabasemagunyeni yerhafu. Okokuqala, kuyimfuneko kumalungiselelo kwekhontrakthi ukulungiselela isiseko esiqinileyo nokunika iingxelo eneenkcukacha ngemisebenzi yayo yezemali. Okwesibini, khangela lo mbutho uya kuba ngaphezulu kakhulu kunesiqhelo. Oku kusoloko kusenzeka xa usebenzisa imali karhulumente.