Ngati mukufuna kusonkhanitsa ngongole yotsalayo pakapita nthawi yayitali, pangakhale chiopsezo kuti ngongoleyo yaletsedwa nthawi. Zofuna zowonongeka kapena zodandaula zitha kuletsedwanso nthawi. Kodi mankhwala amagwira ntchito bwanji, nthawi zochepetsera ndi zotani, ndipo zimayamba liti?
Kodi malire a chonena ndi chiyani?
Kudandaula kumaletsedwa nthawi ngati wobwereketsa sakuchitapo kanthu kuti awonetsetse kuti zomwe akudandaulazo zalipidwa kwa nthawi yayitali. Nthawi yochepetsera ikatha, wobwereketsa sangathenso kutsimikizira zomwe akunenazo kudzera kukhoti. Izi sizikutanthauza kuti kudzinenera kulibe. Zonenazo zimasinthidwa kukhala udindo wachilengedwe wosatheka. Wobwereketsayo atha kuwombolabe zomwe akufunazo m'njira zotsatirazi.
- Mwa kulipira modzifunira kapena kulipira “mwangozi.”
- Pobweza ngongole kwa wobwereketsa
Kudandaula sikungotha. Nthawi yochepetsera imayamba pomwe wobwereketsa akuyitanitsa. Ngati aiwala, zonenazo zitha kusonkhanitsidwa nthawi zina. Chimodzi mwazochitikazi ndizochitika zodziwika. Wamangawa amachita mchitidwe wa Kuzindikila pokonza zolipira kapena kupempha kuti kachedwe kake. Ngakhale atapereka gawo la zomwe wabwereketsa, wobwereketsa amachita ntchito yozindikira. Pozindikira, wobwereketsa sangathe kuyitanitsa malire a zomwe akufuna, ngakhale nthawi yoletsayo idatha zaka zapitazo.
Kodi nthawi yochepetsera imayamba liti?
Nthawi yomwe chiwongoladzanja chikuyenera kulipidwa, nthawi yochepetsera imayamba. Mphindi ya kuthekera kodzinenera ndi pamene wobwereketsa angafune kuti achite zomwe akufuna. Mwachitsanzo, mfundo ndi zikhalidwe za ngongole zimanena kuti ngongole ya €10,000, - idzalipidwa pamwezi ndi magawo a €2,500, -. Zikatero, € 2,500, - ikuyenera pakatha mwezi umodzi. Ndalama zonse siziyenera kulipidwa ngati magawowo ndi chiwongola dzanja chaperekedwa bwino. Komanso, nthawi yochepetsera sikugwiranso ntchito pamtengo waukulu. Tsiku la installment likadutsa, installment imayamba ndipo nthawi yochepetsera gawo lofunikira imayamba kugwira ntchito.
Nthawi yochepetsera ndi yayitali bwanji?
Lamulo la malire pambuyo pa zaka 20
Nthawi yocheperako ndi zaka 20 chigamulocho chikafika kapena kuti chikuyenera kulipidwa. Zonena zina zimakhala ndi nthawi yocheperako, koma ngakhale zonenazo zimakhalabe zaka 20 ngati zikhazikitsidwa mu chigamulo cha khothi monga lamulo la khothi.
Lamulo la malire pambuyo pa zaka zisanu
Zodandaula zotsatirazi zili ndi malire azaka 5 (pokhapokha patakhala chigamulo):
- Kudandaula kwakuchita kwa mgwirizano wopereka kapena kuchita (mwachitsanzo, ngongole yandalama).
- Kudandaula kwa malipiro a nthawi ndi nthawi. Mutha kuganiza za malipiro a chiwongola dzanja, lendi, malipiro kapena alimony. Nthawi yocheperako imayamba kugwira ntchito nthawi iliyonse yolipira.
- Kudandaula kuchokera kumalipiro osayenerera. Tiyerekeze kuti mwachita mwangozi kulipira kwa giro kwa mlendo, malire a nthawi amayamba kuyambira pomwe mudazindikira ndipo mumadziwanso munthu wa wolandirayo.
- Pempho lolipirira zowonongeka kapena chilango chomwe mwagwirizana. Nthawi ya zaka zisanu imachokera tsiku lotsatira kuwonongeka ndipo wolakwayo amadziwika.
Lamulo la malire pambuyo pa zaka ziwiri
Lamulo lapadera limagwira ntchito pa kugula kwa ogula. Kugula kwa ogula ndi chinthu chosunthika (chinthu chomwe mungachiwone ndikuchimva, koma mwapadera magetsi amaphatikizidwa) pakati pa ogulitsa ndi ogula (wogula sakuchita ntchito kapena bizinesi). Choncho, sizimaphatikizapo kuperekedwa kwa mautumiki, monga maphunziro kapena dongosolo la kukonza munda, pokhapokha ngati chinthu chikuperekedwanso.
Ndime 7:23 ya Civil Code (BW) ikunena kuti ufulu wa wogula kukonza kapena kubweza umatha ngati sadandaula mkati mwa nthawi yokwanira atazindikira (kapena akadazindikira) kuti katundu woperekedwayo satsatira mgwirizano. Zomwe zimakhala "nthawi yoyenera" zimatengera momwe zinthu ziliri, koma nthawi ya miyezi 2 pakugula kwa ogula ndiyoyenera. Pambuyo pake, zonena za wogula zimaletsedwa nthawi zaka ziwiri atalandira madandaulo.
Zindikirani! Izi zitha kuphatikizanso ngongole yandalama yotengedwa mwachindunji kuti mugule malo ogwirika ndi wogula. Mwachitsanzo, taganizirani pangano la ngongole yogulira galimoto kuti mugwiritse ntchito payekha. Malingana ngati installment yalipidwa, mphunzitsiyo sakuyenera. Mkuluyo akangofunsidwa pazifukwa zilizonse, mwachitsanzo wobwereketsa wasiya kulipira, nthawi yochepera zaka ziwiri imayamba kugwira ntchito.
Kuyamba kwa nthawi yoletsa
Nthawi yoletsa sikungoyamba zokha. Izi zikutanthauza kuti chonenacho chilipo chosasinthika ndipo chikhoza kusonkhanitsidwa. Ndi wobwereketsa amene ayenera kutchula nthawi yocheperako. Tiyerekeze kuti waiŵala kutero n’kupitirizabe kuchita zinthu zosonyeza kuti ndi wolemekezeka, mwachitsanzo, poperekabe mbali ina ya ngongoleyo, kupempha kuti kachedwe kake kachedwe, kapena kuvomereza ndandanda yolipira. Zikatero, sangathenso kuyitanitsa nthawi yochepetsera pambuyo pake.
Ngati wobwereketsa apanga apilo yoyenera kumankhwala, chiwongolero sichingatsogolere ku chigamulo cha khothi. Ngati pali chigamulo cha khoti, ndiye (pambuyo pa zaka 20) sichingatsogolere kuphedwa ndi bailiff. Chiweruzo ndiye chopanda pake.
Kulankhula
Dongosolo lamankhwala nthawi zambiri limasokonezedwa ndi wobwereketsa popereka chidziwitso kwa wobwereketsa kuti alipire kapena kutsatira panganolo. Kusokoneza kumachitika podziwitsa wobwereketsa nthawi yochepera isanathe kuti zonena zikadalipo, mwachitsanzo, kudzera mu chikumbutso cholembetsa kapena maitanidwe. Komabe, chikumbutso kapena chidziwitso chiyenera kukwaniritsa zinthu zingapo kuti zisokoneze nthawi yochepetsera. Mwachitsanzo, ziyenera kukhala zolembedwa nthawi zonse ndipo wobwereketsa ayenera kusungitsa ufulu wake wogwira ntchito. Ngati adiresi ya wobwereketsayo sadziwika, kusokoneza kungapangidwe kudzera pa malonda a anthu mu nyuzipepala yachigawo kapena yadziko lonse. Nthawi zina pempho likhoza kusokonezedwa polemba mlandu, kapena zochitikazo ziyenera kuyambika patangopita nthawi yochepa. Ndikoyenera nthawi zonse kukaonana ndi loya pamalamulo a kontrakitala mukamagwira ntchito yovutayi.
Kwenikweni, wobwereketsayo ayenera kutsimikizira kuti nthawiyo yasokonezedwa ngati wobwereketsa apempha chitetezo chamankhwala. Ngati alibe umboni, ndipo wobwereketsayo amasonkhanitsa nthawi yochepetsera, zonenazo sizingakwaniritsidwenso.
Kuwonjezera
Wobwereketsa atha kuwonjezera nthawi yochepetsera ngati pali kulumikizidwa kwathunthu kwa katundu wangongole chifukwa cha bankirapuse. Panthawi imeneyo, palibe amene angagwirizane ndi wobwereketsayo, choncho woweruzayo wanena kuti nthawi yochepetsera siidzatha panthawi ya bankirapuse. Komabe, pambuyo pa kutha, nthawiyo imapitirirabe mpaka miyezi isanu ndi umodzi pambuyo pa kutha kwa bankirapuse ngati nthawi yochepetsera imatha kapena mkati mwa miyezi isanu ndi umodzi ya bankirapuse. Obwereketsa ayenera kumvetsera kwambiri makalata ochokera kwa trustee. Adzatumiza wobwereketsa aliyense, pokhapokha atalembetsedwa mu bankirapuse, chidziwitso chakuti bankirapuse yathetsedwa.
Chigamulo cha khoti
Pachigamulo chokhazikitsidwa pachigamulo, mosasamala kanthu za malire, nthawi ya zaka 20 ikugwiritsidwa ntchito. Koma mawuwo sagwira ntchito pa ngongole ya chiwongoladzanja, yomwe yatchulidwa kuwonjezera pa lamulo la kulipira ndalama zonse. Tiyerekeze kuti wina akulamulidwa kulipira € 1,000. Amalamulidwanso kulipira chiwongola dzanja chovomerezeka. Chigamulochi chikhoza kutsatiridwa kwa zaka 20. Komabe, kuti chiwongola dzanja chiperekedwe, nthawi yazaka 5 ikugwira ntchito. Chifukwa chake, ngati chigamulo sichikutsatiridwa mpaka patatha zaka khumi ndipo palibe kusokoneza komwe kwachitika, chidwi cha zaka zisanu zoyambirira chimaletsedwa nthawi. Zindikirani! Kusokonezedwa kumakhalanso kosiyana. Nthawi zambiri, pambuyo pa kusokoneza, mawu atsopano okhala ndi nthawi yofanana adzayambiranso. Izi sizikugwira ntchito zaka 20 za chigamulo cha khoti. Ngati nthawiyi yasokonezedwa zaka 20 zisanathe, nthawi yatsopano ya zaka zisanu zokha imayamba.
Mwachitsanzo, kodi simukutsimikiza ngati zonena zanu zotsutsana ndi omwe ali ndi ngongole zaletsedwa nthawi? Kodi muyenera kudziwa ngati ngongole yanu kwa wobwereketsa ikadali yokambidwa ndi wobwereketsa chifukwa cha malire? Musazengereze ndi kukhudzana maloya athu. Tidzakhala okondwa kukuthandizani patsogolo!
