Yonke into ekufuneka uyazi ngemali yokucoca

Ukugqiba ukuba ungayifaka na imali yokucoca yinxalenye ebalulekileyo yendlela owabeka ngayo amaxabiso. Abanye ababuki zindwendwe bafumanisa ukuba le yindlela eluncedo yokubuyisa iindleko zokucoca. Kodwa ukuba imali emele ibhatalwe iphezulu kakhulu, inokwenza iindwendwe zingayibhukishi indawo yakho—ize loo nto inciphise ingeniso yakho.

Nantsi into omele ungayilibali njengoko ucinga ngeendleko zokucoca nokufanelekela ukubhukishwa.

Iindwendwe zisichazela ukuba ziyayixabisa indawo ecocekileyo nexabiso elifanelekileyo ngaphezu kwayo yonke enye into. Esinye sezizathu eziqhelekileyo ezibangela iindwendwe zibhale iinkwenkwezi ezingaphantsi kwezihlanu kukungacoceki. Uphando lwethu lubonisa ukuba, ukuba indlu yakho inemali yokucoca, iindwendwe ziza kulindela ukuba ibe nomgangatho ophezulu wococeko, ibe loo nto inokukhokelela ekubeni loo nto ihoywe ngakumbi xa zibhala izimvo zazo zendawo ebezihleli kuyo.

Ukuba ukhetha ukufaka imali yokucoca, loo nto iyalonyusa ixabiso elipheleleyo lendawo yokuhlala ibe libonakala kwiindwendwe njengemali etsalwayo eyahlukileyo xa zibhatala. Imali yokucoca ephezulu inokuzenza zithandabuze ukubhukisha indawo yakho. Iindwendwe zingakwazi nokukhetha ukuvula indawo yokubonisa ixabiso elipheleleyo, nto leyo ezivumela ukuba zibone ixabiso elipheleleyo lendlu, kuquka zonke iimali ezimele zibhatalwe, kwiziphumo zokukhangela.

Ukugcina ixabiso lakho likhuphisana kakuhle namanye kunganceda indlu yakho ibalasele ize ibe phezulu kwiziphumo zokukhangela. Indlela yokulandelelanisa ka-Airbnb ibeka phambili ixabiso elipheleleyo nomgangatho wendlu xa uthelekiswa nowezindlu ezifana nayo ezikufutshane.

Ungasebenzisa izixhobo zokubeka amaxabiso ezikwikhalenda yakho ukuze ubone ixabiso elipheleleyo leentsuku neleentlobo zohambo ezahlukahlukeneyo, uze ulithelekise nelezinto ezinokubhukishwa ezifanayo ezikufutshane.

Xa uyifumene inkqubo yokucoca ekulungelayo, dibanisa iindleko zakho uze ubeke ecaleni imali echanileyo yokucoca. Nanga amacebiso ambalwa ekufuneka uwaqwalasele xa uhlola iindleko:

• Thelekisa amaxabiso. Ukuba uqesha umntu osebenza ngokucoca, thelekisa imali ayibizayo neyezinye iinkampani ukuze ufumane elona xabiso lifanelekileyo, ngoxa usabhatala umvuzo ofanelekileyo.
• Thetha-thethana nabantu bakho abacocayo. Cinga ngokubuza umntu okucocelayo ukuba angayamkela na imali encincane ukuze zihambe kakuhle ngakumbi izinto. U-Lorna, umbuki zindwendwe uthi, “Siye saqinisekisa ngengeniso yenyanga ngexesha lonyaka apho izinga lokubhukisha liphantsi, nokuba besibhukishwe kanye okanye kabini kuphela. Ukuze sincedakale, siye sabhatala imali encinane ngexesha lonyaka elixakekileyo.”
• Yiba nezinto. Cinga ngezinto zokucoca odla ngokuzisebenzisa kakhulu. Ukuoda ezi zinto zisisixa esikhulu kudla ngokubiza imali encinci ekuhambeni kwexesha.

Gqiba ngendlela oza kuzibhatalela ngayo iindleko zakho zokucoca uze ugcine ixabiso lendawo yakho likhuphisana kakuhle namanye. Unokwenza ezi zinto:

• Ukujonga izinto ezinokwenza ufumane isaphulelo serhafu. Usenokukwazi ukubuyekeza ezinye zeendleko zokubuka iindwendwe, kuquka iindleko zokucoca, xa ufaka iingxelo zakho zerhafu zengeniso. Umntu osebenza ngerhafu angakunika iinkcukacha ezingakumbi okanye akuncede.
• Ukufaka iindleko kwixabiso lakho losuku. Bala imali oyibhatalela izinto zokucoca, iinkonzo zokuhlamba iimpahla, nokucoca indlu uzidibanise nezinye iindleko zakho zokuqhuba ishishini. Le nto iza kukunceda ukwazi ukucinga ngento yonke ize ikuncede ubeke ixabiso lakho losuku.
• Ukufaka imali yokucoca. Sebenzisa le nto ukuze ubhatalele izinto zokucoca okanye ukucocelwa yinkampani yokucoca, kungekhona njengendlela yokufumana imali engakumbi.

Ukuba ugqiba ekubeni ufake imali yokucoca, kukho izinto ezimbalwa onokukhetha kuzo:

• Beka ixabiso eliqhelekileyo. Beka imali yokucoca enye kuzo zonke iindwendwe, nokuba ziza kuhlala ixesha elingakanani. Eli lisenokuba licebo elihle kubabuki zindwendwe ababuka iindwendwe eziza kuhlala ixesha elide.
• Tshintsha-tshintsha ixabiso lakho lokucoca. Tsala iindwendwendwe ezifuna ukubhukisha ixesha elifutshane njengosuku oluyi-1 okanye iintsuku eziyi-2 ngokubeka ixabiso lokucoca eliphantsi. Ungagcina imali yakho yokucoca eqhelekileyo kuzo zonke ezinye iintsuku eziza kuhlalwa.

Ukuba umtsha ekubukeni iindwendwe, khawucinge ngokuma kancinci ngemali yokucoca de ube nezimvo ezimnandi ezimbalwa zokukhuthaza abantu ukuba babhukishe.

Faka okanye ulungise imali yokucoca kwithebhu yamaxabiso kwikhalenda yendlu yakho.

Kwiintlobo ezithile zokucocisisa, njengaxa kususwa amabala okanye ivumba lomsi elishiywe zindwendwe, usenokufanelekela ukubuyiselwa imali ukuya kutsho kwi$3 miliyoni yeedola zaseMerika phantsi kweInshorensi yokukhuselwa kombuki zindwendwe kumonakalo, eyinxalenye yeAirCover Yababuki Zindwendwe. Ukukhuselwa kombuki zindwendwe kumonakalo kubhatala ukuya kutsho kwi$3 miliyoni yeedola zaseMerika. Le nto yahlukile kwimali yakho yokucoca ibe akufuneki ilungiselelwe kwangaphambili.

AirCover Yababuki Zindwendwe eyi-inshorensi yokukhuselwa kombuki zindwendwe kumonakalo, i-Inshorensi yomonakalo kumntu obebhukishile, kunye neinshorensi yomonakalo kumntu Okwizinto Ezinokonwatyelwa Neenkonzo azisebenzi kubabuki zindwendwe abanikezela ngeendawo zokuhlala okanye ngezinto ezinokonwatywelwa eJapan, apho kusebenza i-Inshorensi Yababuki Zindwendwe yaseJapan kunye neInshorensi Yezinto Ezinokonwatyelwa yaseJapan, okanye kubabuki zindwendwe abaneendawo ezisebenza ngoAirbnb Travel LLC. Ukhumbule ukuba zonke iimali zezinto ezikhuselwayo zichazwe ngokweedola zaseMerika.

I-inshorensi yomonakalo kumntu obebhukishile neinshorensi yomonakalo kumntu Okwizinto Ezinokonwatyelwa Neenkonzo zibhatalelwa zezinye iinkampani zeinshorensi. Ukuba ubuka iindwendwe kwiindawo zokuhlala, kwizinto ezinokonwatyelwa, okanye kwiinkonzo eUK, I-inshorensi yomonakalo kumntu obebhukishile neinshorensi yomonakalo kumntu Okwizinto Ezinokonwatyelwa Neenkonzo ibhatalelwa yiZurich Insurance Company Ltd., ibe ilungiselelwe yaza yenziwa yasebenza ngaphandle kokuba babhataliswe imali eyongezelelekileyo ababuki zindwendwe baseUK nguAirbnb UK Services Limited, ummeli omiselweyo weAon UK Limited, ogunyaziswe nolawulwa yiFinancial Conduct Authority. Inombolo yokubhalisa yeFCA ka-Aon ngu-310451. Ungayijonga le nto ngokuya kwiFinancial Services Register okanye ngokuqhakamshelana neFCA kule nombolo ethi-0800 111 6768. Iipolisi zomonakalo kumntu obebhukishile neepolisi zomonakalo kumntu Okwizinto Ezinokonwatyelwa Neenkonzo ezikwiAirCover Yababuki Zindwendwe zilawulwa yiFinancial Conduct Authority. Iimveliso neenkonzo ezishiyekileyo azizizo iimveliso ezilungiselelwe nguAirbnb UK Services Limited. FPAFF405LC

KwiEU, ezi polisi zilungiswe zaza zenziwa zasebenza ngaphandle kokuba babhataliswe imali eyongezelelekileyo ababuki zindwendwe bakwiEU yiAirbnb Marketing Services SLU, inkampani esebenzisana noAon Iberia Correduría de Seguros y Reaseguros, SAU, egunyaziswe nelawulwa nguAutoridad de Control de la Dirección General de Seguros y Fondos de Pensiones, ebhaliswe ngenombolo ye-serial ethi-J0170. IAon Iberia Correduría de Seguros y Reaseguros SAU isebenza njengenkampani encedisa iEU, efaka isandla ekusasazeni i-inshorensi kumazwe akwiEU phantsi kwenkululeko yokulawulwa kweenkonzo ukuze inikezele ngeenkonzo phantsi kweSpanish Insurance Distribution Law, phantsi kweInshorensi Distribution Directive, nezinye izinto ezifunwa ngumthetho okanye ezikuwo. Ngaphandle kokuchaphazela igunya lelizwe elinikezela ngeenkonzo zeinshorensi, ilizwe elililungu elijongene nokulawulwa kweAon buBukumkani baseSpain neGunya Elongameleyo, iGeneral Directorate of Insurance and Pension Funds, elisePaseo de la Castellana 44, 28046 – eMadrid.

I-Inshorensi yokukhuselwa kombuki zindwendwe kumonakalo ayiyoinshorensi ibe ayinanto yakwenza neInshorensi yomonakalo kumntu obebhukishile. Phantsi kweinshorensi yokukhuselwa kombuki zindwendwe kumonakalo, uza kubuyiselwa imali ngomonakalo othile owenziwe ziindwendwe kwindlu yakho nakwizinto zakho ukuba undwendwe aluwubhataleli loo monakalo. Kwizindlu ezikwiphondo laseWashington, izinto ezifuneka kuAirbnb phantsi kweinshorensi yokukhuselwa kombuki zindwendwe kumonakalo zibhatalelwa yipolisi yeinshorensi ethengwe nguAirbnb. Kubabuki zindwendwe abahlala okanye abanendawo yokuhlala engaphandle kwaseOstreliya, kusebenza le Mimiselo yeInshorensi Yokukhuselwa Kombuki Zindwendwe Kumonakalo. Kubabuki zindwendwe abahlala okanye abanendawo yokuhlala eseOstreliya, i-inshorensi yomonakalo yombuki zindwendwe ixhomekeke Kwimimiselo Yeinshorensi Yomonakalo Yombuki Zindwendwe Yabantu Abayisebenzisayo baseOstreliya.

Inkcazelo ekweli nqaku isenokuba itshintshile emva kokuba lipapashiwe.