La Ukuhlala kuyindlela yokukhokha izakhamuzi ezingase ziyicabangele ukuze zibhekane nezikweletu ezithile. Kodwa-ke, kubalulekile ukucabangela izici ezimbalwa ezibalulekile, ezizochazwa kabanzi kulolu lwazi.
Indlela yokubhekana nesikweletu
Ukuxazulula
La Ukuhlala Kuwuhlelo olwenziwayo ukuze kukhokhelwe isikweletu ngokulethwa kwempahla, kulawa macala kuyadingeka ukuthi bobabili umuntu onesikweletu nalowo obolekiwe bavumelane ngokuthi kuzokwenziwa kanjani ukukhokha. Ngokuvamile, lezi zivumelwano zenziwa nebhange lapho uboleka ukuthenga umuzi, ofakwa esibambiso ukuze ukhokhe isikweletu.
Isenzo sezinkampani zamabhange kulezi zinqubo siyaphawuleka, uma unentshisekelo kukho, sincoma ukuthi ubone Idiphozi yasebhange
Emazweni
Iphuzu elibalulekile okufanele licatshangelwe ukuthi usuku lokukhokha lungenziwa emazweni ahlukene, lapho umehluko noma amaphuzu ahlukene agqanyiswa khona. Kulokhu, okulandelayo kuyacatshangelwa.
Ecuador
Kusukela ku-Organic Law ngokuphathelene nokulawula amakhredithi anikezwe ukuthola imoto noma ikhaya, usuku lwenqubo yokukhokha luqinisekiswa ukuze lube namakhredithi inani eliphakeme lamaholo angu-500. Ngakho-ke uma umuntu ecela lesi sikweletu ukuze athole umuzi, uyoba nesikweletu okufanele sikhokhwe esikhathini esibekiwe, uma kwenzeka engahambisani naso, ngeke esaba nayo le mpahla ukuze akwazi. ukukhokha isikweletu.
Ngemva kokudayiswa kwale mpahla eboshiwe, umuntu onesikweletu ngeke esakwazi ukufinyelela kuyo futhi ngeke akwazi ukucinga impahla yakhe ukuze kwenziwe uhlobo oluthile lwenkokhelo. Ukwengeza, icala lohlobo lwesiqinisekiso esisungulwe yi-mortgages phesheya nalo lucatshangelwa ngendlela yokuthi lungatholakala kumakhredithi ukuze luwakhiphe ezweni lawo. Kuyicala elingeke lenziwe yimithethonqubo yase-Ecuador.
Lokhu kungenxa yokwanda kokuphepha kwezakhamizi, ezama ukugwema zonke izinhlobo zokuqapha yizinhlangano zamabhange maqondana nabantu base-Ecuador abangaphandle kwezwe, uma kucatshangelwa ukuthi laba bantu bathole imali mboleko phesheya futhi abakwazanga ukukhokha. . Elinye iphuzu lapho usuku lokukhokha lungasetshenziswa khona ukuthengwa kwezimoto, kulolu hlobo lwecala isikweletu esitholiwe singaphezu kwamaholo ayikhulu futhi le mpahla kufanele futhi ihlanganise inani lekhredithi etholiwe.
España
Isici esivelele ukuthi e-Spain isikhathi sokukhokha asisetshenziswa ngokuvamile, ngenxa yemithetho yezindlu ezibolekiswayo enikezwa yizwe. Yebo, kukhona ithuba lokwenza lolu hlobo lwenqubo ngokuzithandela, kodwa ngokuvamile akuyona indlela esetshenziswa kakhulu. Kulokhu, kucatshangelwa ukuthi kokubili umebolekisi nomuntu onesikweletu bazonqunyelwa ingxenye yempahla eboshelwe ngaphandle kokubangela imiphumela engemihle.
Khona-ke, imithetho eSpain ihlinzekela inqubo maqondana nezinsuku zokukhokha, ngoba lokhu kuyodingeka wenze isivumelwano esifanele nenhlangano ezohlinzeka ngesikweletu, uma inqubo yesivumelwano phakathi kombolekisi kanye nomuntu okweletayo bese umthetho ubeka ukuthi i-mortgage izonikezwa ngesiqinisekiso ngokuvumelana nezidingo ezihlukahlukene ngaphandle kokunikeza imingcele kumuntu onesikweletu.
Indawo yaseSpain inemithetho ehlobene ne-Civil Code, lokhu akuvezi usuku enqubweni yokukhokha ukuze kugcwaliseke izidingo, kodwa uma kuvumelekile ukuthi kwenziwe ngokuhlinzekwa okuthile. Ngenxa yalesi sizathu kuncane kakhulu ukusetshenziswa kwe usuku lokukhokha eSpain
United States
Endabeni yase-United States, ukusetshenziswa kwezindlela zokukwazi ukushisela isikweletu enkampanini yasebhange kuvame ukugqanyiswa, ngakho-ke, usuku lokukhokha luwusizo kakhulu njengoba luqinisekisa umuntu inqubo ephumelelayo. Nokho, kuqokonyiswa ukuthi usuku lokukhokha lunezimfuneko ngoba isetshenziselwa kuphela imali ebolekiwe ehlobene nezindlu zokubolekwa kwezindlu.
Ukubaluleka
Ukwazi usuku lwenqubo yokukhokha kubaluleke kakhulu njengoba kuvumela umuntu onesikweletu ukuthi abhekane naso nakuba engasenayo impahla, isenzo se-mortgage. Ngenxa yalesi sizathu, kubhekwa njengendlela yokuzikhethela okufanele yenziwe ukuze kungabi nesimo esiyinkimbinkimbi kakhulu.
Ngasohlangothini lwezinkampani, kanye nezinhlangano, lolu hlobo lwezindlela zokukhokha aluyona inqubo engalungile, ngoba ukwenza usuku lokukhokha kuvumela ukuthi kusheshe nakakhulu, futhi kudinga izinsiza ezimbalwa noma amapharamitha okufanele acatshangelwe. ingakhiqiza inani elikhulu lezindleko.
Uma ungathanda ukuthola izimpahla, kubalulekile ukuthi ucabangele izimo ezithile lapha. Lapha sincoma ukuthi ufunde mayelana liyini inani le-surplus