Ityala lemali limisela nini? Imidla!

Amatyala emali ayinkxalabo enkulu kuninzi lwabemi behlabathi. Kodwa kukho ixesha apho ezi ziphelelwa lixesha. Makhe sihlolisise kunye xa echaza ityala.

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Ityala liyalela nini? Umbuzo womkweliti ixesha elide

Kwimeko yentlalo yanamhlanje, side siyifumane iyinto engenamsebenzi ukubuza Ityala liyalela nini? Ubukho bethu buzimisele ngokufikelela kwinqanaba lemali esiyityala kwiimeko ezahlukahlukeneyo ebomini bethu ukuba kubonakala ngathi ekuqaleni kokubona inkohliso yokuba into inokuthatha lo bunzima emagxeni ethu ngokulinda nje ixeshana.

Nangona kunjalo, nangona kukho ezinye izinto ezinokuthi ziqwalaselwe, oku kunjalo kanye kwiimeko ezininzi kwaye wonke ummi kufuneka aqaphele amaxesha okuphelelwa yizibophelelo zabo zemali ukuze azi indlela yokuzikhupha ngaphandle kobuhlungu obukhulu be-bureaucratic.

Ummiselo wetyala usekwe kakuhle kuninzi lwamaxwebhu asisiseko owiso-mthetho kumazwe ehlabathi jikelele. Ngokomzekelo, inqaku le-1961 le-Spanish Civil Code lithi izenzo zimisela ixesha nje elibekwe ngumthetho.

Ukusuka apho kulandela ukuba izenzo zetyala zihlala zisebenza kuphela nje ukuba zihlala kwixesha elithile eligqitywe ngumbhalo osemthethweni. Amanqaku alandelayo eli nqaku 1961 achaza imeko nganye yetyala elinokubakho kunye negama elabelwe ngalinye. Ngale ndlela, iqela ngalinye likwimeko yokwazi ukuba ityala elinxulumene nomda walo othile lichazwa njani.

Nangona kunjalo, ayiloxesha kuphela ekufuneka liqwalaselwe xa kuvavanywa ummiselo wetyala. Izenzo ezithile zomboleki kunye nomboleki ngokubhekiselele kwityala elikhoyo linokuguqula ngokupheleleyo imimiselo emiselweyo, ukunyanzelisa ezinye iingqalelo zexesha. Siza kuyibona ngokulandelayo.

Ukuba unomdla okhethekileyo kwiimeko zamatyala, ngakumbi yonke into enxulumene neendlela zokufuna isisombululo setyala, unokukufumanisa kuluncedo ukutyelela eli nqaku lithile kwiwebhusayithi yethu enikezelwe kwiinkcukacha kunye neengcebiso ozaziyo. indlela yokuthethathethana ngetyala.

Kungabalulekile ukwazi omabini amaxesha okuphelelwa abonakaliswe apha kunye nendlela yokufumana izisombululo kunye nombolekisi kuthethathethwano. Landela ikhonkco! Ukuba ufuna ukwazi ngakumbi malunga xa echaza ityala, qhubeka ufunda eli nqaku.

Iimeko ezisisiseko ukwaziwa Xa umisela ityala ngokuchanekileyo?

Njengoko besesitshilo ngaphambili, izenzo zomboleki-mali kunye nomboleki-mali ngokusekwe kwityala langoku elinxulumene nabo kunokutshintsha ngokugqibeleleyo imiqathango ebekwe ngumthetho. Ke ngoko, kunokuba luncedo ukuphonononga le miba kuqala phambi kokuvavanya ukusilela kwifomathi yetyala ngalinye.

Into yokuqala kukuba akukhange kubekho mfuno esemthethweni yombolekisi ukuba ityala lihlawulwe kulo lonke eli xesha. Le mfuno inokunikwa ngokwenkqubo yokugweba, kwiinkundla ezikhethekileyo kulo mbandela, okanye ngokungekho mthethweni, ngonxibelelwano oluthe ngqo ngeendlela ezahlukeneyo kunye nomntu onetyala okanye ngemfuno ye-notarial.

Ukuba isicelo esichaziweyo senzeka, umbolekisi uyalimisa ngokufanelekileyo ixesha eliya kuthatha ityala kugqirha, ekubeni ikwenza kucace ukuba ityala lisaphila. Kungenjalo, ukuba awubonisi naliphi na ibango kwixesha elimiselwe ngumthetho wetyala lakho, oku kuya kuthetha ukuba ixesha liya kuqhubeka libaleka ngokuchasene nawe de liphele ngokupheleleyo ityala.

Into yesibini efunekayo kukuba umboleki akavumanga ubukho betyala. Olu vumo lunokunikwa ngokucokisekileyo kuyo nayiphi na indlela yonxibelelwano kunye nomntu otyalwayo ukuba umbolekisi angabonisa ubungqina okanye ngokucacileyo kunxibelelwano olufanayo okanye kwimeko yenkundla esemthethweni.

Ingqiqo iyafana nakwimeko yezenzo zemfuno yomboleki: ukuba umboleki ucinga ukuba kukho ityala elimele lihlawulwe, ummiselo wokulinganiselwa awukwazi ukuqhubeka nokusebenza, uxanduva luhlala lusebenza. Ngokuphambene noko, ukuba umboleki akayihoyi kwaye umbolekisi akafuni ukuhlawulwa, kunokuqwalaselwa ukuba ityala lisendleleni yokuphelelwa yisikhathi kunye nokuzaliseka kwexesha elimiselweyo. Kodwa le migaqo yahlukile kuhlobo ngalunye lwetyala. Emva koko sibona uninzi lwala maxesha njengoko lusekwe ngumthetho.

Umyalelo wetyala kwimeko yekhadi letyala

Siqala ngetyala lamakhadi, mhlawumbi olona hlobo luxhaphakileyo lwetyala kummi waso nasiphi na isixeko kunye nesibophelelo esinokwandiswa ngokubulalayo ngokuhamba kwexesha ngenxa yokulula okukhohlisayo kunye nenzala. Ngoko ke, ikwayenye yamatyala apho kunokubakho umnqweno ongakumbi wokuphelelwa lixesha ngumboleki.

Ixesha elincinci elibonakaliswe ngumthetho, kwinqaku le-1964.2 ye-Code Civil, yiminyaka emihlanu yomyalelo wetyala. Le minyaka emihlanu iqala ukubala ukususela kwixesha apho kunokwenzeka ukufuna ukuthotyelwa kwentlawulo, oko kukuthi, ukusuka kwimeko yokuqala yetyala ngokubhekiselele kwikhredithi.

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Njengoko kulindelekile, kunzima ukuba ibhanki ingavelisi nayiphi na imfuno yentlawulo kulo lonke eli xesha. Ingeniso elindelekileyo ngokwembono yebhanki xa kufikwa kumakhadi okuthenga ngetyala ngokuyimfuneko isekelwe kulawulo lwamatyala rhoqo.

Nangona kunjalo, kukho iimeko ezinokuthi zenzeke ngolu hlobo, ngenxa yokudibanisa okanye ukuthengiswa kweenkqubo zequmrhu ezikhokelela ekulahlekeni kweerekhodi okanye ngenxa yokulahlekelwa ngumkhondo womtyali ngamnye ochaphazelekayo.

Umyalelo wetyala kwimeko yesohlwayo

Izohlwayo zikwachaza, nangona kuyimfuneko ukuchaza ama-nuances athile phakathi kweekhonsepthi ezahlukeneyo. Ngokomzekelo, enye into kukuphelelwa kwetyala, kuba amaziko afanelekileyo ukuba ayenze awazange ayenze ngexesha elichanekileyo, kwaye enye into ngummiselo wesohlwayo ngokwawo, isohlwayo sezoqoqosho esiyimfuneko ukuyihlawula. ukususa uxanduva lokwaphulwa komthetho.

Ukuba sithetha ngeyokuqala, ukuphelelwa kwexesha lokwephulwa komthetho, kufuneka sibhenele kumthetho wendlela. Kwesi sicatshulwa somthetho sixelelwa ngamaxesha amiselweyo ahlukeneyo ngokuxhomekeke ekubeni ulwaphulo-mthetho lunobuzaza kangakanani na, phakathi koluhlu olusuka kokuncinci, ukuya kokunzulu, ukuya kokubi kakhulu. Elona tyala lilula linikwa ixesha leenyanga ezintathu ukuba liphele, ngaphandle kokuba isohlwayo asizange siziswe kumntu ngamnye. Ityala lesibini, elibi, linikwe ixesha eliphindwe kabini leenyanga ezintandathu.

Kwaye kwimeko yolwaphulo-mthetho olubi kakhulu, kufuneka kudlule iinyanga ezintandathu ngaphambi kokuba ichithwe. Kwimeko yesibini, umzuzu apho intlawulo ibeka khona, kuthathwa ukuba xa iminyaka emine idlulile, akusayi kuphinda kukwazi ukubiza intlawulo yesohlwayo.

Umyalelo wetyala kwimeko yerenti

Inqaku le-166 leKhowudi ye-Civil ijongene ngokuthe ngqo nerenti phantsi kwecandelo lokuqeshisa umhlaba. Umthetho uchaza nje ukuba ixesha leminyaka emihlanu lelona xesha lincinci lokucinga ukuba intlawulo etyalwa kwirenti iphelelwe lixesha. Emva kwale minyaka mihlanu, akusayi kuba yimfuneko ukuba otyalwayo ahlawule intlawulo ngasemva.

Ngokuqinisekileyo, njengakwimeko yamakhadi okuthenga ngetyala kunye neebhanki, kunqabile ukuba ixesha leminyaka emihlanu yerenti lizaliseke ngaphandle kokuba umninimzi afune intlawulo kwaye aqale amabango asemthethweni. Kuya kufuneka ukuba ibe yimeko yomgama ogqithileyo kunye nokungakhathali malunga nezinto zabo, nto leyo ephela ibangela umyalelo wetyala lokuqeshisa.

Umyalelo wetyala kwimeko ye-mortgage

¿Ityala liyalela nini? ukuba sithetha nge-mortgage? Eli candelo lijongwa kwakhona ngamawakawaka abantu abanamatyala kuyo yonke indawo, kuba iziphumo zokusilela kwimali mboleko zihlala zingathandeki kwaye zininzi.

Ukubuyiswa kunye nefandesi yendlu yinto encinci enokuthi yenzeke ngenxa yetyala elingacingelwanga kwaye imeko ayidlanga ukuma apho, ekubeni amaxesha amaninzi ixabiso elipheleleyo lendlu aligubungeli ngokupheleleyo ityala ngebhanki. Emva koko kuya kufuneka baqhubeke nokwenza iidiphozithi ukugqiba ukuhlawula imali-mboleko. Yinkqubo ebiza kakhulu enokuthatha iminyaka.

Ngokutsho kwenqaku le-1964 ye-Code Civil, i-mortgages iphelelwa emva kweminyaka engamashumi amabini ukusuka kumzuzu wokuqala wokungahlawuli. Kodwa ibhanki, njengoko kunokucingelwa, ayizukulinda ngaphezulu kweenyanga ezintathu ukwenza ibango elisemthethweni kwaye iqokelele zombini imali etyalwayo kunye nenzala enkulu efunyenwe kwityala.

Iminyaka engamashumi amabini emva koko isebenza njengophawu kwiimeko ezininzi, kodwa iyasebenza kwezinye ezimbalwa ngaphandle kokutenxa okugqithisileyo kwebhanki.

Ummiselo wetyala kwimeko yoKhuseleko lweNtlalo

Ifomathi yoKhuseleko lweNtlalo imisela umda wamatyala akho anxulumene nokuhlawulwa kweminikelo: iminyaka emine ukususela kumzuzu apho kungafunwa khona intlawulo yokungahlawulwa. Emva kokuba eli xesha lidlulile, isibophelelo sokuhlawula iifizi sinokuthathwa njengecinyiwe, kunye nokwenzeka kokubeka izigwebo kumntu ngamnye liziko.

Kodwa kukho iinkcukacha ekufuneka ziqwalaselwe. Ayizizo zonke iintlawulo ezinokuthi zibe ngenxa yoKhuseleko lweNtlalo zinento yokwenza nezibophelelo zekota ezisisiseko. Kukho amanye amacandelo, afana nokuhlawulwa kwezibonelelo ezithile, iintlawulo zokuzisebenzela okanye iintlawulo zokuncedisana ezahlukeneyo ezivela kwiqumrhu likarhulumente, eziya kuba nentlawulo yazo, amatyala kunye namaxesha amiselweyo.

Ngoko ke, kuyimfuneko ukuba uqaphele ngokugqithiseleyo ezi zintlukwano zangaphakathi, ezinokuthi zichazwe ngokuthe ngqo kwiiofisi ezihambelanayo.

Njengakwimeko yamatyala e-mortgage okanye ikhadi letyala kwiibhanki, kunzima kakhulu kuKhuseleko lweNtlalo ukuba lungayifuni ngokusesikweni intlawulo phambi kokuba umhla wokuphelelwa kwawo ube yiminyaka emine. Kuya kufuneka ukuba kubekho amatyala anqabileyo ukuze ixesha lihlangatyezwe ngokupheleleyo ngaphandle kokuphazamiseka ngenxa yamabango asemthethweni.

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Ummiselo wetyala kwimeko yokusilela phambi kweSebe lezeMali

Akukho nto ingako ekuthethwa ngayo kule meko, ngaphandle kokuba, njengakwimeko yoKhuseleko lwezeNtlalo, uMthetho weRhafu Jikelele ubeka iminyaka emine kummiselo wetyala. Ulawulo lukaNondyebo luya kuba neli xesha leminyaka emine ukunikezela ibango kummi ngenxa yokungahlawulwa, ukuba akunjalo, ityala linokuthi licinywe. Kuyimfuneko ukulumkisa, njengoko kunye namaqumrhu ebhanki okanye uKhuseleko lweNtlalo, ukuba uNondyebo ubukhali kwaye ufika ngexesha kumabango ayo, apho kuncinci kunokulindeleka ixesha elininzi xa kuvunyelwa eli xesha leminyaka emine.

Ukumiselwa kwamatyala kwimeko yeenkonzo zasekhaya

Inqaku le-1967 le-Code Civil iseka ixesha leminyaka emithathu ngokumiselwa kwetyala elinxulumene nokuhlawulwa kweenkonzo zasekhaya. Ezi nkonzo ziquka umbane, umnxeba, igesi okanye amanzi, iinkonzo ezisisiseko zokusebenza kakuhle kwekhaya. Njengoko kuyaziwa, ezi ziqhelekileyo zilungelelaniswe ngokusekelwe kwiintlawulo zonyaka okanye zenyanga, kodwa kuyo nayiphi na imeko ixesha leminyaka emithathu lokucinywa kwetyala ligcinwa.

Ngokuqinisekileyo, njengakwezinye iimeko ezikhankanyiweyo, ukufumana isaziso setyala kwiinkampani ezijongene nokubonelela ngenkonzo ngokuzenzekelayo kuphazamisa ixesha leminyaka emithathu. Kodwa kule ndawo ngokukodwa, ngakumbi ukuba sithetha ngombane okanye uxhumano lwe-Intanethi nge-ADSL, imimiselo yamatyala kunye nokuzaliseka kwexesha leminyaka emithathu ngumyalelo wosuku.

Iinkampani ezinxulunyaniswa nezi nkonzo kudala zarhoxa kwinqanaba elithile lamatyala angapheliyo ngepesenti yabasebenzisi, ngokubonakalayo bafaka la manani abomvu kwiibalance sheets zabo.

Umyalelo wetyala kwimeko yemisebenzi yorhwebo

Olu hlobo lwetyala luhambelana neenkampani ezipheleleyo endaweni yabantu, njengoko bekunjalo kwimizekelo yangaphambili. La ngamatyala abanjwe phakathi kweenkampani ngexesha leentshukumo ezidibeneyo kwiiprojekthi eziqhelekileyo. Ixesha lokumiselwa kwala matyala phakathi kwamaqumrhu asemthethweni lidla ngokufumaneka kwisithuba seminyaka elishumi elinesihlanu. Emva kwale minyaka ilishumi elinesihlanu, obu budlelwane bamatyala phakathi kweenkampani buya kunqunyulwa.

Mhlawumbi okothusayo kukuba, ukuthobela eli gama kunye nommiselo olandelayo kuxhaphakile kule ndawo, ngakumbi ukuba iinkampani zincinci kwaye namatyala mancinci. Kuya kufuneka ibe ngumsebenzi worhwebo wobungakanani behlabathi kunye neenkampani ezinkulu zokuqinisekisa ukuba kukho ibango elisemthethweni phambi komhla wokugqibela, ukumisa iwotshi yokurhoxiswa.

Ummiselo wetyala kwimeko yezibophelelo zikamasipala

Ityala liyalela nini? kamasipala, ngokuqhelekileyo ibhekisa kwiintlawulo zerhafu ezilawulwa liBhunga leSixeko sommandla wakho. Nangona iintlawulo zerhafu zikamasipala zininzi kwaye zahluka, zinee-akhronimi ezininzi, imihla yokuphelelwa kunye namagama, ezona zimbini zibizwe ngummi ophakathi kwaye ezona zixhaphakileyo yi-IC (iRhafu yeRhafu) kunye ne-IBI (iRhafu yeNdawo). -inkcazo kwiimvaba zabo: iintlawulo zokuhamba kweemoto kunye nezindlu zomntu.

Kuzo zombini ezi meko, ixesha lokuhlawula ukufikelela kummiselo wetyala yiminyaka emine. Le minyaka mine ibalwa ukususela kwixesha lokuphela kwexesha lokuhlawula, oko kukuthi, ukusuka kwindawo apho igalelo lokugqibela beliya kufakwa khona ukuba belisenziwa.

Into ethetha ukuba iziko leBhunga leSixeko linesithuba esipheleleyo seminyaka emine ukuze lifake ibango lentlawulo yokungahlawuli kunye nayo yonke inzala eliye layiqokelela kule minyaka. Kufuneka kukhunjulwe ukuba kwimeko yeRhafu yeRhafu, abanini bezithuthi ezingasasebenziyo akufuneki bahlawule ezi rhafu phambi komasipala.

Njengakweminye imimandla esiyiphononongileyo, kunokuthiwa yonke into enxulumene neentlawulo zerhafu idla ngokuphathwa yi-ofisi yeBhunga leSixeko ngomdla omkhulu, kunikwe inqanaba eliphezulu lezohlwayo apho bavezwa khona ngokushiya okuthile. Ngoko ke, kunzima ukulinda ixesha leminyaka emine ukuba lidlule ngaphandle kokuva kubo imfuno yokuthotyelwa kwentlawulo.

Ngale nto, inxalenye enkulu yamaxesha ayimfuneko kwimeko nganye yommiselo wetyala sele igutyungelwe. Kule vidiyo ilandelayo unokubona ingcaciso emfutshane malunga nommiselo wamatyala ngaphakathi kokusemthethweni kommandla waseSpain. Ukuza kuthi ga ngoku inqaku lethu xa echaza ityala kwimimandla eyahlukeneyo yezemali yelizwe. Ndizakukubona kungekudala kunye nethamsanqa kwiintlawulo zakho, iinkqubo kunye nezifundo.


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