Iyini Ibhondi Yokugcinwa?

Inhloso yokugcinwa kwenkontileka ukuqinisekisa ukuthi usonkontileka uyiqeda kahle imisebenzi edingekayo ngaphansi kwenkontileka. Kwezinye izinkontileka, ikhasimende (i-Obligee) lingase libambe phakathi kuka-2.5% no-5% yenani lenkontileka (Izimali Zokugcina) isikhathi esingafika ezinyangeni eziyisi-6 - 24. Lesi sikhathi sibizwa ngokuthi Isikhathi Sesikweletu Sokukhubazeka lapho wena, usonkontileka (kanye Nothishanhloko), kuyodingeka nilungise izinkinga. Lokhu kusho ukuthi kuzodingeka ulinde kuze kuphele Inkathi Yesikweletu Sokukhubazeka ukuze uthole u-2.5% - 5% wakho yenani lenkontileka. Ngakho-ke lokhu kungase kube nomthelela omubi ekungeneni kwakho kwemali. Kulokhu, ngombono wokukhulula ukuhamba kwemali, singanikeza Ibhondi Yokugcinwa njengenye isixazululo. Njengosonkontileka (noma usonkontileka), uthola ukugcina imali yakho! Lezi zinhlobo zamabhondi azisizi nje kuphela ukuhamba kwemali kodwa futhi zigwema isidingo sokuphishekela ukugcinwa ngemva kokuphothulwa kwenkontileka.

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Ngamafuphi, i-Retention Bond iqinisekisa ukuthi Usonkontileka uthola inani eliphelele lezitifiketi zokukhokha okuvunyelwene ngazo ngaphandle kokubanjwa kwemali yokugcina. Ibhondi inikezwa ukuze kuvikelwe inani esikhundleni salokho. Futhi njengasendabeni Yokugcina, inani Lebhondi Yokugcina izokwehla ngemva kokukhishwa kwesitifiketi Sokuphothula Okungokoqobo.

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Ukuvikeleka Kwezezimali; iklayenti, kulokhu, iqembu eliqasha usonkontileka (noma usonkontileka omncane), lizothola isibambiso sezezimali esifanayo njengoba belizothola ngokubamba u-5% yenani lenkontileka ngendlela Yezimali Zokugcina.

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Endabeni Yemboni Yezokwakha, I-Retention Bond iwuhlobo Lwebhondi Yokusebenza evikela iklayenti ngemva kokuphothulwa kwenkontileka. Lokhu kunikeza isiqinisekiso sokuthi usonkontileka (Uthishomkhulu) uzolungisa noma yiziphi izinkinga ngemva kokuba umsebenzi/iphrojekthi isiphelile (ngisho noma sekukhokhelwe ngokugcwele). Isivumelwano sebhondi yokugcinwa sihlanganisa nosuku lokuphelelwa yisikhathi ukuze kugwenywe ukudideka mayelana nokuthi osonkontileka bakhululwa nini kwinkontileka.

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Ukugcinwa kungasetshenziswa nakosonkontileka abancane abaqokiwe. Njengasendabeni kasonkontileka oyinhloko, ukugcinwa kwemali noma I-Retention Bond iphinde inikeze isibambiso sezezimali kusonkontileka oyinhloko ukuze aqinisekise ukuthi usonkontileka ongaphansi kwakhe ugcwalisa ngokugcwele inkontileka kumazinga adingekayo. Lokhu kusebenza njengesivikelo sokulungisa amaphutha.

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Kungani Udinga Ibhondi Yokugcinwa?

• Njengosonkontileka, ungabambelela emalini yakho - ukongela imali futhi unikeze izinzuzo zokungena nokuphuma kwemali.

• Njengeklayenti, uthola ukuvikeleka ngokwezimali kwephrojekthi yakho.

• Iklayenti liphinde liqinisekiswe ukuthi usonkontileka uzolungisa noma yiziphi izinkinga ngemva kokuba umsebenzi/iphrojekthi isiphelile

• Kuzo zombili izinhlangothi, kuzoba nokusebenza kanzima ukuze kudedelwe ukugcinwa kwemali uma inkontileka isiphelile.