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?
Chopempha chimaletsedwa nthawi ngati wobwereketsa sachitapo kanthu kuti atsimikizire kuti chopemphacho chalipidwa kwa nthawi yayitali. Nthawi yochepetsera ikatha, wobwereketsa sangathenso kukakamiza chopemphacho kudzera kukhoti . Izi sizikutanthauza kuti chopemphacho sichiliponso. Chopemphacho chimasanduka udindo wachilengedwe wosagonjetseka. Wobwereketsayo akhozabe kuwombola chopemphacho m'njira zotsatirazi.
- Mwa kulipira modzifunira kapena kulipira “mwangozi.”
- Pobweza ngongole kwa wobwereketsa
Chikalata sichimatha chokha. Nthawi yochepetsera ngongole imayamba pokhapokha wobwereketsa atachitchula. Ngati wayiwala, pempholo likhoza kutengedwa nthawi zina. Chimodzi mwa izi ndi chikalata chozindikira. Wobwereketsa amachita chikalata chozindikira mwa kupanga dongosolo lolipira kapena kupempha kuti chichedwetsedwe. Ngakhale atalipira gawo la chikalatacho, wobwereketsa amachita chikalata chozindikira. Mu chikalata chozindikira , wobwereketsa sangatchule chikalatacho, ngakhale nthawi yochepetsera ngongoleyo itatha 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.
Dziwani! Izi zingaphatikizeponso ngongole ya ndalama yomwe imatengedwa mwachindunji kuti munthu agule katundu wooneka ndi ogula. Mwachitsanzo, taganizirani mgwirizano wa ngongole yogulira galimoto kuti mugwiritse ntchito payekha. Bola ndalama zonse zitaperekedwa, ndalama zonse siziyenera kulipidwa. Ndalama zonse zikangotengedwa pazifukwa zilizonse, mwachitsanzo, wobwereketsayo amasiya kulipira, nthawi yocheperako ya zaka ziwiri imayamba.
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 zonenazo zikadalipo, mwachitsanzo, kudzera mu chikumbutso cholembetsa kapena maitanidwe. Komabe, chikumbutso kapena chidziwitso chiyenera kukwaniritsa zinthu zingapo kuti zisokoneze nthawi yochepetsera.
Mwachitsanzo, nthawi zonse ziyenera kukhala zolembedwa ndipo wobwereketsa ayenera kusunga ufulu wake wochita zinthu. Ngati adilesi ya wobwereketsayo siikudziwika, kusokonezako kungachitike kudzera mu malonda a anthu onse mu nyuzipepala ya m'chigawo kapena ya dziko lonse. Nthawi zina pempho lingasokonezedwe popereka mlandu, kapena milandu iyenera kuyambika nthawi yomweyo pambuyo poti kusokoneza kolembedwa. Ndikoyenera nthawi zonse kufunsa loya wa malamulo a mgwirizano pothana ndi nkhani 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. Chigamulocho chikhoza kutsatiridwa kwa zaka 20. Komabe, kuti chiwongola dzanja chiperekedwe, nthawi yazaka 5 ikugwira ntchito.
Chifukwa chake, ngati chigamulocho sichinagwiritsidwe ntchito mpaka patatha zaka khumi ndipo palibe kusokonezedwa komwe kwachitika, chiwongola dzanja cha zaka zisanu zoyambirira chimakhala choletsedwa. Dziwani! Kusokoneza kumakhalanso ndi mwayi wosiyana. Nthawi zambiri, pambuyo pa kusokonezedwa, nthawi yatsopano yokhala ndi nthawi yofanana idzayambiranso. Izi sizikugwira ntchito pa zaka 20 za chigamulo cha khothi. Ngati nthawi iyi yasokonezedwa zaka 20 zisanathe, nthawi yatsopano ya zaka zisanu zokha imayamba.
Mwachitsanzo, kodi simukudziwa ngati zomwe mwanena motsutsana ndi wobwereketsa wanu zatha nthawi? Kodi muyenera kudziwa ngati ngongole yanu kwa wobwereketsa wanu ikadali yofunikira kubwezedwa ndi wobwereketsayo chifukwa cha malamulo oletsa? Musazengereze ndipo funsani maloya athu. Tidzakhala okondwa kukuthandizani kwambiri!
