Yini enikeza lomshuwalense ukulahlekelwa umsebenzi? Lomshuwalense ukulahleka kwemisebenzi ngesikhathi mortgage

Kwenzeka ukuthi umuntu othatha imali-mboleko, kanye ngemuva kwesikhathi esithile ilahlekelwa ikhono layo ukukhokha. Ezimweni eziningi, lokhu kwenzeka ngenxa yokuthi yena uqobo izinkinga zezimali ngenxa ukulahleka kwemisebenzi. Izinkinga uqale, zonke izinhlelo ezakhiwa nje sidilike. Lomshuwalense ukulahlekelwa umsebenzi - lena yindlela enhle ukuthathelwa umshuwalense ngokumelene izimo ezingalindelekile.

Umshwalense uma yokulahlekelwa umsebenzi - kuyini?

Lokhu hlobo lwenkonzo wukuthi uma umuntu ephelelwa umsebenzi, inkampani yomshuwalense uzophoqeleka ukumkhokhela imali ukuthi ngokwesilinganiso, kufanele inikezwe-credit ukuze. elula kakhulu, ngisho phikisana lapha. Lomshuwalense ukulahlekelwa umsebenzi uyobavikela indoda. Kuye uluphi uhlelo ekhethiwe, inkokhelo izotholwa ngokugcwele zingakapheli izinyanga ezingu-6 noma ezingu-12. Phakathi nalesi sikhathi, ungathola indawo olusha lomsebenzi.

Ezimweni umshwalense

Ngaphambi ufuna inkampani inikeza ngamasevisi ezifana lomshuwalense ukuphelelwa umsebenzi, cwaningo ngokucophelela ukubuyekezwa yenhlangano ngamunye. Kufanele uqiniseke ukuthi uneminyaka ezandleni ephephile.

Kubalulekile wazi yokuthi uma umuntu bebodwa usenqume ukushiya indawo yabo yomsebenzi, Kulokhu umshwalense akuyona. inhlangano ngamunye unikeza uhlu ayo nemibandela ukukhokhelwa, kodwa kukhona uhlu ajwayelekile, olwabiwa zonke.

Uhlu amacala umshwalense:

• Lomshuwalense ukulahlekelwa umsebenzi kuzosiza esimweni uma inhlangano lapho umuntu sele asebenze, kwavala ngenxa yezizathu ezihlukahlukene.
• Abasebenzi kuncike ukunciphisa.
• Yena salandelwa umnikazi wenkampani, owenza imithetho yabo.
• Incwadi yesivumelwano inqanyuliwe ngenxa yezizathu ezivumelana akufanele sisole yimiphi amaqembu, ezifana ukukhubazeka noma izinsizwa.

Kwezinye izimo, inkokhelo ngeke wenziwe

Lomshuwalense nokulahlekelwa umsebenzi akusho izinkokhelo kwalezi zimo:

• Ukulahlwa ngesizathu ukwephulwa zomsebenzi isiyalo abasebenzi.
• Ukulahlwa ngaphandle incazelo (bebodwa).
• ukusebenza kahle ukulahleka ngokusebenzisa iphutha umsebenzi, ezifana ukulimala siqu futhi ukwehluleka ukuhambisana ukuphepha udakiwe.

Yiziphi izinhlobo ukubolekisa nizuze umshwalense

Lomshuwalense ukulahlekelwa umsebenzi lapho loan ubhekwa isevisi evame kakhulu kuze kube manje. Akunandaba ukuthi hlobo luni loan umuntu, athathe umshwalense kunoma isiphi isimo, noma ngabe lilethwa credit umthengi noma indlu.

Indlela elula ne wamaphepha loan ukuchaza abasebenzi yasebhange ofuna ukukhipha lolu hlobo umshwalense. Lokhu kuyoba okunenzuzo hhayi kuwe kuphela kodwa futhi isikhungo sezezimali. Ngokuvamile, kakade usayinde izinkontileka nezinkampani eziningi umshwalense, ngakho izisebenzi musa kuphela ukweluleka, kodwa futhi basize ukuhlela konke.

Izinzuzo inkontileka umshwalense

Isiphetho lolu hlobo inkontileka uyohlale zifaneleke futhi zisebenziseke. Akekho ungaqiniseka ngokugcwele esikhathini esizayo. Izinkinga ezingavela uma you lindela them okungenani. Inkampani kuzovala angesabi, noma okunye kuyoba nezinye izinkinga. Kuleso simo, uma uthatha umshwalense ngoba ngenxa yokulahlekelwa umsebenzi noma kunjalo, sonke kungaba sisinde nge umonakalo omncane.

Izinzuzo ukubhalisa yesivumelwano:

• Esimeni i kwesamba umcimbi loan izinkokhelo esakhokhwa inkampani yomshuwalense.
• Credit umlando ngeke ziphangwe.
• Uzoba esiningi uzama ukuthola umsebenzi omusha.
• Kufanele isivumelwano esinjalo awubizi, kodwa uyozizwa uphephile.

izidingo zomthetho

Uma umuntu uye wanquma bangena esivumelwaneni yomshuwalense esimweni ephelelwa umsebenzi wakhe, khona-ke kumelwe bahlangabezane nalezi zidingo ezilandelayo:

• Unayo iphasiphothi yangaphakathi futhi afinyelele yobudala.
• Experience kusukela umsebenzi wokugcina akufanele kube ngaphansi kuka-izinyanga ezintathu.
• Umuzwa jikelele amandla kumele okungenani ibe unyaka.
• Isisebenzi kufanele ngokomthetho baqashwe futhi ube ikontraga.

Lomshuwalense ukulahleka kwemisebenzi ngesikhathi mortgage

Mortgage loan - omunye izimo ezivamile reception yokukhokha umshwalense. Isimo sokunquma zingahluka kusuka izinhlangano, kodwa ngokuyisisekelo ayiguquki. Esimweni lapho ulahlekelwa umsebenzi cala elabo Okwamanje asikwazi akhokhele, kuyothiwa wahlanganyela inkampani yomshuwalense okungawo niye wasayina inkontileka. Yiqiniso, uzodinga ukuhambisa imibhalo okuyinto uhlu ngempela ebanzi, kodwa uzobe siqiniseka ngokugcwele ukuthi bazivikele.

Amaphepha adingekayo yokukhokha:

• Ikhophi ipasipoti yangaphakathi.
• Nginayo ikhophi yerekhodi umsebenzi wabo, okufakazela isipiliyoni umsebenzi.
• Kuphindeke kabili ukhansele isivumelwano ukuqinisekisa ukuthi umsebenzi akuyena obangela bokuhlukaniswa solvency.
• Isitifiketi ebhange ukuthi une-mortgage izikweletu.

Ingabe ngidinga ukuthathelwa umshuwalense ngokwakho uma ukulahlekelwa solvency

Imibono iyahlukana lapho kuziwa ingxoxo amasevisi ezifana lomshuwalense ukulahlekelwa umsebenzi. Izibuyekezo zingatholakala okuhle nokubi. Ezinye ukugwema isiphelo sesimiso inkontileka ngesizathu sokuthi uma kwenzeka nobunzima, zingacela usizo kusukela kubangani noma izihlobo. Nokho, ukwenza lokho kwakuyobonisa ingafaneleki.

Isikhathi esiningi sivumelwano Angenelisekile kuphela labo amakhasimende abaye balahlekelwa umsebenzi wabo ngokusebenzisa amaphutha abo siqu futhi ayikwazanga ukhokhelwe ngokuba umshwalense. Ungakhohlwa ukuthi lesi sivumelwano ungaphakathi Ezimweni ezinjalo, uma inhlangano ivaliwe noma kakhulu baqala phansi okwesikhashana izisebenzi mayelana nesigameko ukunciphisa abasebenzi. Ungaqiniseka ukuthi mortgage noma yimuphi omunye loan uzokhokhelwa ngesikhathi phakathi naleso sikhathi, lapho ubheka indawo olusha lomsebenzi.

Isiphetho yesivumelwano phezu solvency yomshuwalense uma yokulahlekelwa phezu loan lalihamba kahle kakhulu. Credit umlando ngeke ziphangwe, ngeke ulahlekelwe mortgage noma imphahla. Yiqiniso, lokhu kusebenza kuphela uma icala lakho lihlangabezana umshwalense.