Yazi kulo lonke eli nqaku Yintoni i Ukubolekwa kwemali mboleko kwezemali? Zonke iinkcukacha apha!
Ukubambisa ngendlu
Enye yezona zinto zibalulekileyo kwaye zibuthathaka xa uthengisa indawo yethu kuku Ukubolekwa kwemali mboleko. Kuxhaphake kakhulu kwaye kuqhelekile kunokuba sinokucinga, into ekufuneka siyithathele ingqalelo yeminye imiba esiza kuyikhankanya kulo lonke eli nqaku.
Ngoku siyazi ukuba yintoni i-mortgage subrogation? Xa kuyimfuneko ukuyenza? Ngaba ineengenelo okanye iintsilelo? Bangamathandabuzo okuba njengabanini okanye abathengi bepropati banokuboniswa kuthi kwaye basemthethweni ngokupheleleyo.
Singachaza i-mortgage subrogation njengokuthengwa kunye nokusebenza kwentengiso yendlu ephantsi kwe-mortgage figure, oku kuthetha ukuba kunye nendlu sithengisa ityala esilidalileyo kunye nebhanki. Kufuneka kuqatshelwe ukuba yimibutho yezemali evuma ukuthengiswa kwetyala ngokuhlalutya kweprofayili yomngcipheko womthengi. Ukuba ufuna ukwazi ngakumbi ngolu hlalutyo, siyakumema ukuba ufake ikhonkco elilandelayo Yintoni i-Cirbe?
Yiyo loo nto kubalulekile okokuqala ukubamba ezi ngqikelelo kakuhle kwaye sazi ukuba zeziphi ezona ndlela zilungileyo ukuba sifuna ukuthengisa okanye ukuthenga indlu okanye ipropathi ephantsi kwemboleko-mali.
Kufuneka kuqatshelwe ukuba ukuthengiswa kwe-mortgage subrogation inezinye iindleko ezihambelanayo, oku kuthetha ukuba nangona asiyi kuhlawula isixa esipheleleyo se-mortgage ukuba zikhona ukufezekisa ukucinywa kwe-mortgage ngumthengisi kunye nesicelo esitsha ngumthengi. .
Okokuqala, into esimele siyiqonde kukuba olu hlobo lweekhomishini ezivela kwi-mortgage subrogation ziya kufakwa kwikhontrakthi yebhanki kwaye, ngokubanzi, ngumthengisi wepropati othatha ngamnye wabo, ngokuhlonipha imida ebekiweyo. ngokomthetho wesizwe esikuso. Kubalulekile ukucacisa ukuba amaqumrhu emali, ukwenzela ukuseka ezi khomishini, funda ngokusondeleyo iiprofayili zengozi yomthengisi ukwazi ukuba umxhasi unokuhlawula isixa semali esekiweyo.
Ngakolunye uhlangothi, kubalulekile ukuveza ukuba i-mortgage subrogation ihambelana ne-notary eqhelekileyo, ukubhaliswa, iindleko zolawulo, phakathi kwezinye, ezithi ekuqaleni zithathwa ngokubanzi ngamaqumrhu emali. Nangona kunjalo, iindleko eziveliswa ngumbono wokuvavanya zicingelwa ngabathengi, ngaphandle kokuba uhlobo lwe-mortgage aluguqulwanga.
Inzuzo
Enye yeenzuzo eziphawulekayo xa sithatha isigqibo sokukhetha ukubolekwa kwe-mortgage kukuba njengabathengisi siyakwazi ukugcina iindleko zokurhoxisa ityala okanye i-mortgage. Ngelixa ukuba singabathengi siyazuza kugcino lwekhomishini yokuvula eyaziwayo, enxulunyaniswa okanye enikwe ngokwamkelwa kwe-mortgage entsha kunye neendleko zovavanyo ezaziwayo-kakuhle zepropati entsha esiyifumanayo.
Enye yeenzuzo ezinikezelwa yi-mortgage subrogation, ubuncinci eSpain, kukungahlawulwa kweeRhafu ezaziwa ngokuba yi-Documented Legal Act (IAJD). Ngaphandle kokuba, njengeqela lokuthenga, sifuna ukwenza uhlengahlengiso oluthile ukuze sifezekise ukunyuka kwenkunzi, okukhokelela kuvavanyo olutsha lwepropati ekuthethwa ngayo.
Kwelinye icala, ukwamkela ukubolekwa kwemali mboleko kunye nokuzalisekisa oko kuthi njengabathengi banyusa ifayile yethu yetyala phambi kwamaqumrhu ahlukeneyo emali, nto leyo esincedayo xa sifaka isicelo setyala, imali-mboleko okanye imali entsha yokubambisa. Ke ngoko, sincoma ukuba sivavanye ngononophelo igatya ngalinye kwaye sijonge ukuba lishishini elilungileyo okanye hayi.
Ukuqonda ngcono kancinci ukuba zeziphi iingenelo kunye nokungalunganga kwe-mortgage subrogation, siyakumema ukuba wonwabe le vidiyo ilandelayo
I-mortgage subrogation ngaphandle kweebhanki Ngaba kunokwenzeka?
Ukuqhuba ezi ntlobo zentengiselwano ngaphandle kolwazi lwamaqumrhu ebhanki akunakwenzeka, ekubeni simele sikhumbule ukuba asisayini kuphela isivumelwano sokuthengwa nokuthengiswa kwepropati, kodwa kufuneka sisayine imiqathango emitsha yokubolekwa kwempahla, eyenziwa. phambi kwamaziko ebhanki.
Akukhathaliseki ukuba umthengisi okanye umthengi ufikelela kwizivumelwano ezifanayo nezo zinikezelwa ebhankini, i-firm ngaphakathi kwebhanki iya kuhlala isenza yaziwe imisebenzi yokuthengisa iipropati eziphantsi kokuxhomekeka kwi-mortgage.
Ukuba ibhanki ayinikeli imvume kumthengi wepropati, kukho indlela yezemali yokukwazi ukwenza i-transaction, nangona kunjalo, kunomngcipheko omkhulu kumthengisi ekubeni ibhalisiwe kunye nequmrhu lemali kunye nobhaliso olufunekayo. ukungabikho kwentlawulo kuphela umntu onoxanduva ngumthengisi nokuba akasahlali ngaphakathi kwendawo yokuhlala.
Ukuqwalasela
Xa uthetha-thethwano lokuthenga kunye nokuthengiswa kwayo nayiphi na into elungileyo okanye ipropati, kuyimfuneko ukuba umthengisi achazele umthengi nganye yeempawu kunye neemeko apho iimpahla zifunyanwa khona.
Ezi mpawu kunye neemeko zibandakanya imiba ebambekayo neyemali yepropati. Kufuneka siqonde ukuba sibophelelekile ngokusemthethweni ukwazisa abathengi abanokubakho ngeemeko zokubolekwa kwezindlu apho indawo yokuhlala ikhona, zombini inkunzi ehlala ihlawulwe, inzala ihlawulwe, ixesha lokudibana, phakathi kwabanye.
Ngakolunye uhlangothi, sifumana intlawulo nganye yebhanki esiza kuyenza kwaye ngendlela efanayo amaqumrhu ahlukeneyo emali anyanzeliswa ngumthetho ukuba asazise ngamnye kubo. Ngale ndlela umthengi uya kukwazi ukwenza isigqibo kunye nenkcazo ecacileyo nepheleleyo yezemali kunye nesakhiwo sepropati, ukuphepha ukungavisisani okusemthethweni kamva.
Nganye yale datha iya kufumaneka kumaxwebhu subrogation mortgage, apho iya kucaciswa ngokweenkcukacha kwaye ngaphandle nakuphi na ukushiywa kubathengi abatsha. Ngendlela efanayo, umxhasi kufuneka acele isatifikethi esibonisa ityala eliye lafunyanwa ngexesha lokwamkela i-mortgage kunye nezenzo zokuthenga kunye nokuthengiswa kwepropati, oku ukwenzela ukuba amaqela omabini alawule ngokupheleleyo idatha nganye yezemali.
Kubalulekile ukuqaphela ukuba kwi-mortgage subrogation akukho zindleko zokuvula ziphathwayo ukususela ekubeni i-mortgage iphathwa esele ivuliwe, ngaphandle kokuba kukho ukunyuka kwenkunzi. Ukuba kunjalo, kufuneka siqonde ukuba ikhomishini iya kusekelwa kwisixa-mali ebesiceliwe ukuba sandiswe hayi kwitotali. Kwimeko yokugqibela, esekelwe kwi-CIRBE, ibhanki inokugqiba ukuba umthengi unako ukuthatha eli tyala elitsha okanye cha.
Ngaba i-mortgage subrogation ilungile?
Njengoko sele sichazile, i-mortgage subrogation kukudluliselwa kwetyala kwi-asethi komnye umntu ukuthengiswa kwendawo yokuhlala. Ngendlela efanayo esiye sachaza ngayo le misebenzi yorhwebo ixhaphake kakhulu kunokuba sinokucinga, nangona kunjalo, kufuneka sithathele ingqalelo ukuba ukwenza olu hlobo lomsebenzi kunye nayo nayiphi na enye imiphumo enokuthi izuze okanye isenzakalise.
Eyona nto ifanelekileyo phakathi kolu hlobo lwentengiselwano kukuba umthengisi ukhululwe kwityala le-mortgage kwizinto ezilungileyo ezingasayi kuba luxanduva lwakhe. Kwicala lakhe, umthengi ufumana ityala le-mortgage kwibhanki kwindawo yokuhlala ayifumeneyo. Umthengisi uya kuba noxanduva lweekomishoni, umdla okanye amagatya athathwa njengoxhaphaza kumaziko emali, ngaphandle kwelungelo lokuphinda kuxoxwe.
Kungenxa yoko le nto kubaluleke kakhulu ukuba ukuba siza kufumana i-mortgage subrogation, sifunde ngokucophelela imiqathango nganye echazwe kuxwebhu lwe-mortgage ukuphepha ukuphazamiseka kunye nokungcolisa ifayile yethu yekhredithi. Okunokusichaphazela kwixesha elizayo ukuba sifuna ukuthatha amatyala amatsha emali kunye namaziko ahambelanayo phantsi kwamatyala afana neemali-mboleko, iidrafti okanye iimali mboleko ezintsha.
Ke ngoko, bobabini umthengisi kunye nomthengi kufuneka benze iiakhawunti zabo eziyimfuneko kunye nemibuzo ukubona ukuba olu hlobo lwentengiselwano lunokwenzeka okanye hayi. I-mortgage subrogation nganye yahlukile, ipropati nganye kunye neemeko zahlukile, ngoko ke ukusekwa kwamatyala ngokubanzi kuya kuba kukungakhathali, ibhunga lezemali lifunde, litolike kwaye libonisane namagqwetha kunye namaqumrhu abo emali athembekileyo ukuba uthethathethwano lunokusebenza phantsi kweemeko zokubambisa ezichazwe kwi-mortgage. uxwebhu lokuqala kwaye ubone ukuba yeyiphi eyona ndlela ilungileyo onokuyifumana kwimarike ukuze uthathe impendulo echanekileyo ebandakanya zombini iimfuno zakho kunye nokhathalelo lokonga kwethu kunye notyalo-mali lwethu olutsha.
