Usenokuba ukhe weva malunga neziqinisekiso ngexesha lokuzingelwa kwendlu yakho, kodwa ukuba awuqhelananga nento abayenzayo-okanye ungayifumana njani ukuba awazi mntu ngokobuqu onokuba ligaranti (okanye nokuhlala umhlaba Uthanda ngaphandle komnye!) -sikugubungele. Nantsi yonke into ofuna ukuyifumana malunga nokufumana isiqinisekiso.
Yintoni i-guarantor, kwaye ungayidinga nini?
Isiqinisekiso ngumntu osayina isivumelwano sakho sokuqeshisa nawe ukuqinisekisa intlawulo kwimeko apho unganakho ukuhlawula ngesizathu esithile. Abaqinisekisi bahlala becelwa ngabanini-mhlaba xa umntu oza kuba ngumqeshi engenayo imali yokubonisa ukuba angakwazi ukuzihlawulela indlu leyo- ngokungathi banamanqaku aphantsi etyala, okanye baphoswa bubungqina bengqesho okanye bahlawule izitampu zokubonisa ngokwaneleyo ukuhlawula irente.
intsingiselo yokomoya ye-1234
Umzekelo wehlabathi lokwenyani onokuba ngumfundi wasekholejini okanye umfundi osandul 'ukuphumelela, ongenayo imbali yengqesho okanye ulondolozo oluninzi, uya kuba nomzali-ngubani yenza unekhredithi eyomeleleyo kunye nezezimali-utyikitye njengesiqinisekiso, ucacisile uCarrie Weiner, Realtor kunye noMlawuli wokuThobela e UKeller Williams Hollywood Iinduli . Umzekelo weklasikhi ongaphezulu ngumntu oza kuba ngumqeshi onetyala elibi, uWeiner wongeze, eqonda ukuba akukho manqaku asetyiweyo abonisa ikhredithi embi kuba wonke umninindlu angaba nomgangatho owahlukileyo.
Ngaba ukhona umngcipheko obandakanyekayo ekubeni nomnini-siqinisekiso kwingqeshiso yakho yokuhlala?
Njengomqeshi? Hayi ncma. Ngokuka-Weiner, ukuphela komnxeba wokusebenzisa i-guarantor kukuba umnini-mhlaba oza kubakho unokuba nezithintelo kwabo bazakwamkela (umzekelo, ucacisile, abanye abanini-mhlaba bafuna iziqinisekiso zokuhlala kwimeko enye). Kodwa ngenye indlela, hayi kakhulu. Umngcipheko konke ukwicala lewaranti, utshilo uWeiner. Ukuba umqeshi akaphumeleli kwisivumelwano sokuqeshisa aze ayeke ukuhlawula irente, umqinisekisi unyanzelekile ukuba ahlawule.
Ewe, ukuba usebenzisa ilungu losapho okanye umhlobo njengesiqinisekiso kwaye usilele kwisivumelwano sakho, oko kungachaphazela ubudlelwane bakho nabo, ukuze ngu umngcipheko owongezelelweyo ukuba ukhathazekile malunga nokukwazi ukuhlawula irente yakho.
Yintoni ukujongana neenkonzo zewaranti?
Ukuba awumazi umntu onokuba yigaranti kuwe xa ufaka isicelo sendlu, ungayihlawula inkonzo yesiqinisekiso ukuyenzela endaweni yoko. Oku kunezinye izinto ezisezantsi, ewe, kuba kuthetha ukuba uhlawula imali eyongezelelweyo ngaphezulu kwediphozithi yendawo yokuhlala kunye nerente, kwaye kuya kufuneka wenze amaphepha nangakumbi, utshilo uWeiner. Yonke inkonzo yahlukile, ke kuya kufuneka ujonge iinketho ezininzi kwaye ubone ukuba yeyiphi evakala ilungile kuwe, ukuze ufumane eyona ilungileyo. Ezinye zeenkonzo onokuthi uziqwalasele zibandakanya I-inshurensi , AbaQinisekisi , Ukuqeshisa , kunye I-American Cosigners .
Ngaba zikhona ezinye iindlela zokufumana isiqinisekiso?
Ukuba awunaye nabani na onokuba yigaranti yakho, kwaye ukhetha ukungasebenzisi inkonzo yesiqinisekiso, kukho enye indlela abanini-mhlaba abaya kuthi bayamkele: ukunikezela ngokuhlawula idiphozithi eyongezelelweyo, okanye ukuhlawula ezimbalwa iinyanga irente kwangaphambili. Oku kuya kunciphisa inkxalabo yomnini-mhlaba malunga nesezantsi okanye engekhoyo (ukuba uvela ngaphandle kwe-US, umzekelo) amanqaku ekhredithi, utshilo uWeiner.
Ukuba unayo imali ekhoyo, olu khetho lunoqoqosho ngakumbi kunokusebenzisa inkonzo yesiqinisekiso kuba yonke imali iya ekubhataleni irente; kuhlawulwa nje ngaphambili, u-Weiner ucacisile. Ngenkonzo, iifizi zabo ziya kuba ngaphezulu kwirente ngenxa yomnini-mhlaba.
Ukuba ukuhlawula kakhulu ngaphambili akuyiyo inketho, Izitena Phantsi ikwacebisa ukuzithoba-ngaloo ndlela, igama lakho alikho kuqeshiso, ke akufuneki udlule kwinkqubo efanayo yesiqinisekiso onokuthi ubuya kuthi ukuba uqeshisa indawo ngokwakho. Ngokubanzi, ngamanye amaxesha kuxhomekeka kumnini-ndawo-abanye banokukulungela ukusebenza nawe kunabanye, nokuba iimali zakho azilunganga.
Kutheni ndiqhubeka ndibona i-777
