Umshuwalense wezingozi ekwakheni nasebhange

Bala futhi ubone ukuthi izingozi ziye zahlolwa ngaso sonke isikhathi, futhi inani elingaphezu kweyodwa lemali yezibalo linikelwe kule sihloko. Kodwa umkhuba ubonisa lokho Izenzakalo ezingathandeki zenzeka njalo ngokungalindelekile.

Umshwalense wezingozi zokwakha

Lolu hlobo lomsebenzi ngesikhathi sokwakha luyisivikelo esiwusizo ekulahlekeni okungenzeka. Kungakhathaliseki ukuthi ubuchwepheshe obuphambili kulo mboni, imishini yobuchwepheshe yesayithi ithuthukisiwe, akunakwenzeka ukukhipha amathuba okubangela ukulimala lapho ukwakhiwa kwezakhiwo.

I-insured . Kulesi simo, inkontileka eyodwa isetshenziselwa yonke imali yomsebenzi wokwakha, lapho bonke abathintekayo kulesi sikhungo babhekwa njengabantu abaphephile. Umshuwalense uvame ukwakhiwa ngokujwayelekile, ngoba unesibopho ngokugcwele kumthengi wephrojekthi.

Izinto zomshuwalense . Le nkontileka igcizelela umshuwalense wezingozi zempahla etholakalayo kusayithi, eyenzelwe imisebenzi ethile, okungukuthi:

- zonke izinhlobo zemikhiqizo yokwakha;

- izindlela zokwenza umshini nezinqubo;

- Izakhiwo zesikhashana esakhiweni sokwakha;

- izakhiwo, izakhiwo ezidinga ukuvuselelwa kanye nokulungiswa okukhulu.

Izikhombisi-ndlela ezintsha zomshuwalense kusuka:

- ukuphazamiseka okusemandleni emsebenzini;

- ukwehluleka ukuhambisana nemigomo yesivumelwano sokwakha esayiniwe.

Ukuhlanganisa. Umshuwalense wezingozi ngaphansi kwalolu hlelo usebenza ngesimiso "sobungozi", okusho ukuhlinzeka ngokuvikeleka hhayi kuphela ezimweni zakudala, kodwa nakwezinye izimo ezingavamile.

Sum insured . Ngokwesivumelwano sokubambisana, kusungulwa isilinganiso esinqunyiwe, okufaka izinkokhelo zekheshi zento yokwakhiwa kanye nemfanelo yokulimala kwabangaphandle.

Umshuwalense wezingozi zebhange

Okushiwo umsebenzi webhange kubonisa ukuvikelwa ekulahlekeni okungenzeka okuvela ngenxa yokungazinzi kwezimo zombili emakethe yasekhaya nasemakethe yomhlaba. Umshuwalense wengozi ubonisa, kulokhu, hhayi kuphela amathuba okungatholakali inzuzo kusuka kokuthengiselana, kodwa nokuthi kungenzeka ukulahlekelwa yinzuzo yonke. Izinhlobo ezilandelayo ziyabonakala:

• Izezimali: isikweletu, inzalo, uketshezi, ukutshala izimali, ukushintshwa kwamanye amazwe. Futhi futhi ubungozi bokungabonakali.
• Kusebenza: Isiqhinga, ubuchwepheshe, ukusebenza. Ngaphezu kwalokho, kunengozi ekusungulweni kwemikhiqizo emisha kanye nobuchwepheshe bebhange obuhlukahlukene.
• Ngaphandle: amathuba okungahambisani nokulahlekelwa idumela.

Umshuwalense wezingozi emkhakheni wezinkinga zebhange akusiyo kuphela isikhungo sesikweletu, ngoba ekusebenzeni imisebenzi ehlukahlukene akuyingozi nje kuphela ngemali yayo, kodwa ngaphezu kwakho konke, imali yokubeka imali. Kodwa-ke, inhloko-dolobha yasebhange ayikwazi ukukhokhelwa i- insured ngokugcwele, ngakho-ke kukhishwa isikhwama esikhethekile sokugcina imali . Inqubo enjalo iyenziwa kuphela ngediphozi ezibaluleke kakhulu ekusungulweni kwezimali.

Amazwe amaningi asetshenziselwe ukwenza umsebenzi wokuthola ibhizinisi ngokusemthethweni kwenqubomgomo esemqoka, okwandisa idumela lesikhungo futhi kusiza ukuheha amakhasimende amasha.