El i-inshurensi yeminyaka elishumi Luhlobo lomgaqo-nkqubo okhusela umthengi wendlu ngokuchasene nomonakalo onokwenzeka onxulumene nokwakhiwa kwemvelaphi. Funda ngakumbi ngalo mbandela ngokufunda inqaku elilandelayo.
i-inshurensi yeminyaka elishumi
Olu hlobo lwesixhobo sokhuseleko lunxulumene ngokuthe ngqo nokhuseleko olunikwa umthengi xa ethenga ikhaya. Nokuba isetyenzisiwe okanye isandla sokuqala. Sincoma ukuba ufunde inqaku elilandelayo elihambelanayo Ugcwalisa njani ifom eyi-600? nto leyo eyimfuneko ebaluleke njenge-inshurensi yeminyaka elishumi.
Umgaqo-nkqubo ubhekiselele ekukhuselweni kwempahla yomthengi, kwimeko apho isakhiwo sifumana umonakalo ngenxa yezizathu ezahlukeneyo. Umonakalo uchazwa njengalowo ubangelwa ziziphene kulwakhiwo okanye iziphene ezibangelwa ngumakhi.
Ngokunjalo, ukhuseleko lomngcipheko lumisela amagatya apho i-inshurensi icingelwa khona. Kwimeko apho ulwakhiwo luneziphene zokuyila, iingxaki zesiseko sokwakha kunye nezinto ezikumgangatho ophantsi. Ezi ngxaki zinokuchaphazela inkxaso kunye neendonga ezithwele umthwalo. Ngaloo ndlela, umngcipheko wokuzinza kwisakhiwo sonke sithathwa.
I-inshurensi yeminyaka elishumi ibandakanya yonke into enxulumene necandelo lokuhlala, amakhaya kunye nezakhiwo. Kungenxa yoko le nto kweli nqaku siza kuchaza yonke into enxulumene nomngcipheko owugubungelayo, iziphumo zokungafaki isicelo, kunye nesidingo sokusebenzisa amanyathelo oluleko athile.
Esi sixhobo esisekwe kwiKhowudi ye-Civil ekupheleni kwe-90, ivumela ukuseka isiqinisekiso kubathengi kunye nabanini bepropati kwimeko yokutshatyalaliswa kwesakhiwo.
Ngasiphi na isizathu, i-inshurensi yeminyaka elishumi ivumela ukukhuselwa kwabanini, nangona kunjalo ukuphunyezwa kwayo kuye kwaba ngumxholo weengxoxo ezininzi. Kuba ezinye iinkampani zicinga ukuba uvandlakanyo kunye neenkqubo zolawulo ziyabiza.
Ezi meko aziqinisekisi umgaqo-nkqubo oza kuhlawulela umonakalo oxeliweyo. Ukuphunyezwa kwe-inshorensi yeminyaka elishumi emva koko kwavumela ukuba kuqwalaselwe okuthile apho iziqinisekiso eziyimfuneko zinikezelwa kumnini.
Kuye kwagqitywa ekubeni kumiselwe imihla ebekiweyo kwizigaba ezithathu, apho abo banoxanduva kufuneka baphendule ngaloo monakalo. ngokwalo ngokungavumeli inkampani yeinshorensi ukuba ithwale iindleko zembuyekezo ngokuthe ngqo. Kodwa masiyibone ngokwenene loo nto ihlawula i-inshurensi yeminyaka
Ibandakanya ntoni?
Ngale ndlela, kuye kwenziwa iinzame zokuxolelanisa ukusombulula intlawulo yomgaqo-nkqubo. Kwelinye icala, imiba ethile nayo iye yathathelwa ingqalelo, njengokumisela ixesha leminyaka elishumi ngokunxulumene nomonakalo obangelwe ziziphene okanye ubugwenxa ekwakhiweni kwesakhiwo. Ukuba ezi zichaphazela imiqadi eyenziweyo, izixhaso, iziseko kunye nayo yonke into enxulumene neziseko.
Ngokunjalo, ixesha leminyaka emithathu lasekwa xa umonakalo okanye ubugwenxa kwizinto zokwakha okanye naluphi na olunye ufakelo, lunokubangela ukungathotyelwa kwemimiselo yokuhlala. Okulandelayo, kubalulekile ukuba uyazi Ukulinganiswa kwamandla isixhobo esikwavumela ukunika ukhuseleko kwikhaya.
Ixesha lokurhoxiswa lonyaka omnye lisekwa, xa umonakalo uhambelana namacandelo kunye nezinto zokugqiba kunye nokugqitywa komsebenzi. Ezi meko zinyanzelekile. Ngamanye amazwi, ukufunyanwa kolu hlobo lomgaqo-nkqubo kubonisa imfuneko ebalulekileyo yokwenza inkqubo yokuthenga nokuthengisa amakhaya.
Le inshorensi yayimiselwe bonke abantu ababekhangela indlela yokufumana ikhaya. Nangona kunjalo, uxanduva lokuthobela lusekelwe kuphela kwindlela yokuqinisekisa uxanduva lwee-arhente zokwakha ezahlukeneyo.
Ngamanye amazwi, into nganye ebandakanyekayo ekwakhiweni kwendlu inomsebenzi othile wezenzo ezinokuthi zenzeke xa kwenzeka umonakalo okanye ukuphazamiseka, ngenxa yeziphene okanye ubugwenxa obuchaphazela ukuchasana okanye ukuzinza kwendlu.
Ngaba kunyanzelekile?
Ngokwemithetho ehambelana nolu hlobo lwenkqubo, ukufunyanwa kwe-inshurensi kunyanzelekile, nangona kunjalo le mbopheleleko ixhomekeke ekubhaliseni umsebenzi kwiRegistry yePropati. Oku kuthintela umphuhlisi ukuba afumane inkxaso-mali yokubambisa, ukuthengisa ikhaya okanye enze naluphi na olunye uhlobo lothethathethwano olunxulumene nalo.
Umgqugquzeli unembopheleleko yokuya kwi-notary kunye ne-inshurensi echaphazelekayo, kodwa njengoko besitshilo, ukuba indlu ibhalisiwe, umgqugquzeli akananto yakwenza kwi-notary. I-inshurensi ivaliwe kwiRejistri de kudlule iminyaka eyi-10.
Izikhalazo ezavakaliswa ngeminyaka yee-90 zazinamandla kakhulu, ngakumbi kubantu ababezakhele izindlu zabo. Oku kwakumela ukuchasana nohlobo lobuqhophololo. Umthetho walungiswa ngo-2002 kwaye kwenziwa izibhengezo apho i-inshurensi ingasayi kufunwa kwinto ebizwa ngokuba ngumntu ozikhuthazayo, apho kubandakanyeka indawo yokuhlala enye.
Okuchaseneyo kuchaza ukuba kunokwenzeka ukuba indawo yokuhlala echaphazelekayo ayinayo i-inshurensi yeminyaka eyi-decennial, kufuneka idluliselwe kwixesha le-10 leminyaka. Oku kuthetha ukuba umntu wesithathu akakhuselwanga ngokufanelekileyo. Ngoko ke umthetho ubophelela umgqugquzeli wemoto othengisayo ukuba enze ikhontrakthi yeziqinisekiso eziyimfuneko ukugqiba ixesha leminyaka elishumi.
Ipro kunye ne-con
Kubalulekile ukukhumbuza wonke umntu obandakanyekayo kwinkqubo yokuthenga nokuthengisa ikhaya imiqathango ethile emiselwa ngumthetho kwaye ayinakuhoywa. Oku kunokubenzakalisa abanye yaye kungenelwe kwabanye. Masibone.
Makhulu amathandabuzo akhoyo ngalo mbandela. Ukuqala, akukho nkampani ze-inshurensi kwilizwe elizimisele ukukhusela abathengi ngemigaqo-nkqubo yolu hlobo. Nangona kunjalo, ngo-2009 ezinye izohlwayo zabekwa ngenxa yokungathotyelwa kwezivumelwano.
Kodwa eneneni yayingekuko ukusilela ekufezekiseni izibophelelo zayo kodwa ngesizathu esilula ukuba ezona mali zincinane azizange zihlonelwe. Ngamanye amazwi, ingxaki yesohlwayo yasonjululwa ngenxa yokungaphumeleli kwimigaqo yokuphunyezwa, enokuthi imele ngokwenene ingxaki yobugcisa.
Kukholelwa ukuba ezi ntlobo zezenzo zifuna ukunciphisa kwaye zingakhuthazi imisebenzi yeenkampani ze-inshorensi, ziyakuthwalwa kuphela ngokunikezela ngemigaqo-nkqubo engaphantsi kokulalanisa. Iziphumo ezithe ngqo kukuvumela ukungena kweenkampani zangaphandle.
Aba beza nenkxaso kukhuphiswano olusekelwe kwiincwadana zokundwendwela zabahlali. Kufanele kwaziwe ukuba ezi nkampani zangaphandle zinemigaqo nezibophelelo ezohlukileyo kunezo zikhoyo kweli lizwe. Ngaphandle koku, akwaziwa ukuba zingalungiswa kangakanani na kwiimeko zelizwe.
Ingozi yako konke oku inokuba sisizukulwana seenkampani ezincinci ezizinikele ekunikezeni imigaqo-nkqubo ekhangayo, apho ukhuseleko lunokuhlala lusephepheni. Iingcali zendawo ziqwalasela ukuba imimiselo kufuneka igcinwe kwaye idluliselwe kuzo zonke iintlobo zezakhiwo zelizwe. Kuzo kuyimfuneko ukubandakanya iziqinisekiso zonyaka kunye noxanduva rhoqo emva kweminyaka emithathu
OCT
Kulo lonke eli candelo elidibeneyo elibandakanya imimiselo, ukuphononongwa kobugcisa kunye nokuthotyelwa komthetho, lingena kwiqumrhu elijongene nokuseka ulawulo kunye nemimiselo enokuthi ithathe isigqibo kunye nokusombulula iiyantlukwano kunye neendawo ezisemthethweni ezishiya imimiselo ethile.
I-OCT yi "Iiofisi zoLawulo lwezoBugcisa", kwaye izinikele ekulawuleni nasekuhloleni yonke into enxulumene neengxelo zobugcisa ekufuneka zenziwe ekwakhiweni kungekuphela nje kwezindlu kodwa kwiintlobo ezahlukeneyo zeziseko zelizwe.
Iofisi, njengoko ibizwa ngokuba ziinjineli kunye nabakhi bezakhiwo, iphonononga kwaye ikwazisa yonke into enxulumene namaxwebhu anxulumene nomsebenzi. Kule nkalo, ithatha ingqalelo, umzekelo, ukuphononongwa kweprojekthi yokwenziwa, ukuthengwa kunye nomgangatho wezinto eziphathekayo, izicwangciso, umsebenzi kunye nayo yonke into enxulumene nokwenziwa kunye nophuhliso lwemisebenzi.
Iofisi iya ngokuzithandela kwindawo apho umsebenzi wenziwa khona, nto leyo enokuyenza nangaliphi na ixesha. Ezi zenzo zinika ukholo kunye semthethweni kwiinkqubo zokwakha. Ngokuqhelekileyo, amagcisa olongamelayo ahlawulwa ngumkhuthazi.
Oku kuvumela ukunika isibambiso kwinkampani ye-inshurensi ukuze ikhuphe ipolisi. Khumbula ukuba azikho iinkampani ezininzi ezibonelela ngemigaqo-nkqubo yomngcipheko kolu hlobo lwe-inshurensi. Nakuba kunjalo, iingxelo mazingeniswe kwi-OCT, apho kufuneka kuhlawulwe kwakhona isixa-mali esikhulu.
Abanye bakholelwa ukuba i-inshurensi inokuvunyelwa ngaphandle kokufumana imvume ye-OCT, kodwa kubonakala ngathi akunakwenzeka ukwenza oko. Ingxaki iphumela xa uhlolo luphumela kwizakhiwo ezigqityiweyo kwaye amagcisa akakwazi ukubeka esweni inkqubo.
Noko ke, zimbalwa iinkampani zeinshorensi ezikulungeleyo ukuthabatha ezi ngozi. Ke kuba nzima kakhulu ukufumana iipolisi ngamaxabiso alungileyo anokuba ngaphantsi kweepremiyamu. Eziphantse kuzo zonke iinkampani zinzima kwaye zibiza kakhulu.
Umthetho umisela ukuba kunyanzelekile ukufumana uhlobo lwe-inshurensi yeminyaka elishumi, nokuba indlu yakhiwe kwiminyaka emininzi eyadlulayo. Noko ke, kubakho iingxaki xa le ndlu ingaphezu kweminyaka engama-20 ubudala, yaye abakhi ngokwabo bengasekho okanye bengaphandle kwelizwe. Into ekuyo kulo mba umthetho ongacacanga ncam.
Yintoni engaqukiyo?
I-inshorensi yeminyaka elishumi ineenkcazo ezicacileyo, ngoko ke kubalulekile ukwazi ukuba zeziphi iimeko okanye izenzo ezingaqukiyo. Sele sizibonile iingxaki ezikhoyo ezibangela iingxaki ezithile zomthetho. Noko ke, kukwabalulekile ukwazi ukuba zeziphi izinto ezingabandakanywayo kwiipolisi zeinshorensi zeminyaka elishumi. Iinkampani ze-inshurensi azinakuze ziphendule kule mingcipheko okanye iingxaki zilandelayo:
- Umonakalo owenziwe kwipropathi nakwizixhobo zokusebenza ngaphakathi okanye ngaphandle kwekhaya okubangelwa kukuwohloka kwezakhiwo ezikhuselwe yipolisi yeinshorensi yeminyaka elishumi. Imbuyekezo ke ngoko iya kuba ngokubhekiselele kwizakhiwo zendlu kodwa ayisayi kuba yomonakalo kwimpahla ejikelezileyo kwaye ingunobangela wokuqhekeka.
- Ukugcinwa okungafanelekanga kwesakhiwo kwisakhiwo kunokubangela umonakalo kwiziseko kunye neziseko. Kwezi meko, inkampani ye-inshurensi ayiyi kuba noxanduva ukuba lo monakalo ubonakalisa ubuvila kunye nokungakhathali.
- Ukuba izakhiwo zitshintshiwe okanye zahlaziywa kamva ziya kuba ngaphandle kwendawo yokhuseleko lwepolisi.
- Kukwabalulekile ukwazi ukuba umonakalo obangelwe yimililo okanye iinyikima zomhlaba nawo awukhuselwanga, yimingcipheko ekufuneka ijongwe nezinye iindidi zemigaqo-nkqubo. Ngaphandle kokuba, kwimeko yomlilo, zibangelwa umonakalo wokuvelisa kunye nokubulawa kokuqala ngumakhi.
- Ngaphambi kokuthenga olu hlobo lomgaqo-nkqubo, khumbula ukufunda umbhalo ocacileyo kunye neendawo apho zibonisa "Gcina" ngononophelo, kuba kunokubakho ukudideka xa uthenga kwaye ucinga ukuba ipolisi igubungela olu hlobo lomngcipheko. Khumbula ukuba amapolisa i-inshurensi yeminyaka elishumi Ayingomgaqo-nkqubo womngcipheko omkhulu.