Ndingumgqirha wokugqiba ukuhlala kwam kwaye ngoku ndiqala ukukhangela kwam amathuba amatsha amathuba. Izibhedlele ezininzi zichaze "isiqinisekiso somvuzo" njengenxalenye ebalulekileyo yecebo labo lokuhlawula. Isiqinisekiso sesingeniso sisebenza njani? Ingaba kukho into efanayo nokufumana umvuzo wesiseko?
Isiqiniseko seNgeniso ayikho Imvuzo
Isiqinisekiso sesingeniso sendlela yokuba izibhedlele zitsalane oogqirha kwindawo yabo ukuze baqhube kwindawo yesevisi.
Isiqinisekiso somvuzo asikho umvuzo! Isiqinisekiso sesingeniso sifana nemboleko, okanye kusengaphambili, oxolelwe emva kwexesha, ukunceda ugqirha ukuba aqalise kwindlela yakhe yangasese.
Njengomkeli wecebo lokufumana ingeniso, awuyena umsebenzi wesibhedlele, kodwa unokufuneka uhlangabezane neemfuno ezimbalwa eziphambili. Imimiselo yesiqinisekiso sokufumana ingeniso ikuvumela ukuba wakhe umgangatho wakho ngendlela ofuna ukuyakha ngayo, nje kuphela ukuba unelisekile ekupheleni kwesiqinisekiso sokubonelela ngesibonelelo, esiqhelekanga kwiinyanga ezili-12 okanye kwiinyanga ezili-18, kuxhomekeke kwizodwa zempilo.
Inani lemali yokufumana ingeniso libekwe phambi kwexesha. Ngokomzekelo, unokunikezwa isiqinisekiso se-$ 20,000 ngenyanga. Ukuba isiqinisekiso sakho sokufumana imali sibekwe kwii-20,000 zamaRandi, uza kufumana isheke nganye nyanga ngemali elingana nomlinganiselo phakathi kwama-20,000 weedola kunye nemali oyiqokele leyo nyanga. Ekupheleni kweenyanga ezili-12, ukuba le yithuba lesigunyaziso, awuyi kuhlawulwa nayiphi na ityala okanye kufuneka uhlawule nayiphi na into, emva nje kokuba uhlala kwindawo yokwenza imveliso yoluntu.
Ixesha lokuxolela eliqhelekileyo liyiminyaka emithathu emva kokuphela kwexesha lokuqinisekisa.
Iintlobo ezimbini zeziqinisekiso
Kukho iintlobo ezimbini zeengqinisekiso zokufumana ingeniso: isiqinisekiso semali engenayo, kunye nesiqinisekiso esiphezulu somvuzo. Isiqinisekiso semali esiphumeleleyo sinomvuzo wakho kuphela. Iindleko zakho ezisezantsi ziza kuhlawulwa, zivunywe kwaye zihlawulwe njengeziko elihlukeneyo.
Isiqinisekiso esiphezulu somvuzo siya kufaka iindleko zakho kunye neendleko eziphezulu kwixabiso elinye eliqinisekileyo leenyanga eliqinisekileyo. Ukuba uqhuba isenzo sakho sinamathele kwaye imali ishiywe kwibhajethi yeendleko, uza kugcina loo mali eyongezelelweyo egcinwe.