Umshwalense impahla

Umqondo "umshwalense isakhiwo" kuhlanganisa incazelo wezomthetho izithakazelo nokuvikeleka amabhizinisi nabantu ngabanye. Izinkampani zomshuwalense yakha imali yezindleko ezithile, okuyinto iya nokukhokhwa izimangalo ethile yomshuwalense. Namuhla uhla izinkampani zomshuwalense zandiswa washintsha umqondo wegama elithi "umshuwalense isakhiwo". Yini manje kusho?

Ngo umagazini omusha we uMthetho Womshuwalense inikeza umshwalense impahla ngabanye ezihlobene nezithakazelo zabo kule ukusetshenziswa, kujabula nekuchumana sengqondo impahla.

Lapho inkampani yomshuwalense engena inkontileka umshwalense kanye izakhamuzi, ke ubophekile ukuba nxephezela umonakalo babangela ukuba impahla. Kuhilele ecaleni elimayelana nezakhamuzi has eziningana isici esihogweni:

- ilungelo impahla ;

- komthetho we-civil, kuhlanganise nomsebenzi la maqembu amabili ukuthi Bangene civil ubudlelwane umthetho nomunye;

- inani icala, kuye ngobukhulu besikhumba saleso ukulahlekelwa owenziwe noma ukulimala.

umshwalense Property kungaba amafomu amabili: saziso futhi ngokuzithandela.

Endabeni ka ngokuzithandela impahla umshwalense phakathi umshwalense kanye inkontileka oVikelwe senziwa noma washaya imithetho yomshuwalense ngesisekelo umthetho ezikhona. Zonke izimo ezidingekayo kumele bucaciswe kule imibhalo.

Uma lokhu yomshuwalense okuyimpoqo komhiaba, kumele kunqunywe umthetho icala civil. Ngakho-ke, lolu hlobo umshwalense udinga ukuba notarized.

umshwalense Property - ingenye amagatsha. Ngo impahla kanye nempahla yakhe izithakazelo isenzo ngesimo ubudlelwane umshwalense. Kusukela nombono kwezomnotho, umshwalense impahla isinxephezelo umonakalo ukuthi kwenzeka ngenxa umcimbi kwesamba.

Pholisi kungaba ukuthathelwa umshuwalense awabo kanye impahla efeni lakhe, ukulahlwa kwezinto okungalawuliwe futhi ukusetshenziswa. Taov kungaba phansi futhi emoyeni zokuthutha, cargo, izakhiwo, izilwane, imishini, izitshalo, ipulazi kanye nokunye okuningi.

Izinhloso umshwalense zihlukaniswe yasendlini ifenisha, izakhiwo, izimoto kanye nezilwane. Lapho izilwane insured uma kwenzeka, i-isigodo ophoqelelwe kule nhlekelele, izifo ezithathelwanayo noma umlilo, bona ukuthathelwa umshuwalense ngesisekelo incwadi ukubaluleka 70%. Kusolwa ukuthi imfuyo encane abangu oVikelwe ngokuzithandela. Bona ukuthathelwa umshuwalense ukubaluleka okugcwele kanye isakhiwo imizi nempahla. Lokhu kwenziwa ehlukile impahla umshwalense kwi farmstead.

Uma umshwalense impahla kuziwa izindlu, emagalaji noma izindlu, yomshuwalense okuyimpoqo inikeza 40% wenani yabo ngokuvumelana ukuhlolwa isimo futhi ngokuzithandela - 60%.

Kufanele kuqashelwe ukuthi umshwalense lungekho ngaphansi lwemali amanothi, imibhalo, imibhalo yesandla, izibambiso, imikhiqizo eyenziwe amatshe ayigugu kanye kwakudala.