Yazi kuso sonke lesi sihloko Kuyini ukukhishwa kwempahla ebanjiswayo kwezezimali? Yonke imininingwane lapha!
Ukubanjiswa kwempahla
Esinye sezici ezibaluleke kakhulu nezintekenteke lapho uthengisa indawo yethu ukukhishwa kwempahla ebanjiswayo. Kuvame kakhulu futhi kujwayelekile kunalokho esingakucabanga, okufanele sikucabangele ezinye izici esizozibalula kuso sonke lesi sihloko.
Manje siyazi ukuthi yini i-mortgage subrogation? Kunini lapho kudingekile ukukwenza? Ingabe inezinzuzo noma ukungalungi? Banokungabaza ukuthi njengabanikazi noma abathengi bendawo bangakwethulwa kithi futhi okusemthethweni ngokuphelele.
Singachaza i-mortgage subrogation njengomsebenzi wokuthenga nokudayiswa kwendlu engaphansi kwesibalo se-mortgage, okusho ukuthi kanye nendlu sithengisa isikweletu esisidalile nebhange. Kufanele kuqashelwe ukuthi yizinhlangano zezezimali ezigunyaza ukuthengiswa kwesikweletu ngokuhlaziywa kwephrofayili yobungozi yomthengi. Uma ufuna ukwazi okwengeziwe ngalokhu kuhlaziya, sikumema ukuthi ufake isixhumanisi esilandelayo Yini i-Cirbe?
Kungakho kubalulekile ukuthi kuqala kukho konke ukuphatha kahle le miqondo futhi sazi ukuthi yiziphi izinketho ezingcono kakhulu uma sifuna ukuthengisa noma ukuthenga indlu noma indawo engaphansi kwe-mortgage.
Kumele kuqashelwe ukuthi ukuthengiswa kwe-mortgage subrogation kunezindleko ezihambisanayo, lokhu kusho ukuthi nakuba singeke sikhokhe inani eliphelele lemali mboleko uma ikhona ukuze kuzuzwe ukukhanselwa kwe-mortgage ngumthengisi kanye nesicelo esisha somthengi. .
Okokuqala, okufanele sikuqonde ukuthi lolu hlobo lwamakhomishana avela ekutholweni kwe-mortgage subrogation luzofakwa kwinkontileka yasebhange futhi, ngokuvamile, ngumthengisi wendawo othatha ngamunye wabo, ngokuhlonipha imikhawulo ebekiwe. ngomthetho wesizwe lapho esikhona. Kubalulekile ukuveza ukuthi izinhlangano zezezimali, ukuze zisungule lawa makhomishana, zihlolisise amaphrofayili obungozi bomthengisi ukuze zazi ukuthi iklayenti lingakwazi yini ukukhokha isamba semali esisunguliwe.
Ngakolunye uhlangothi, kubalulekile ukuveza ukuthi ukubhaliswa kwe-mortgage nakho kuhambisana nommeli ojwayelekile, ukubhaliswa, izindleko zokuphatha, phakathi kokunye, okuyinto ekuqaleni okucatshangwa yizinhlangano zezezimali. Kodwa-ke, izindleko ezikhiqizwa umqondo wokulinganisa zithathwa ngamakhasimende, ngaphandle uma uhlobo lwe-mortgage lungashintshwa.
Izinzuzo
Enye yezinzuzo eziphawuleka kakhulu lapho sinquma ukukhetha ukubolekwa kwezindlu ukuthi njengabathengisi siyakwazi ukonga izindleko zokukhansela isikweletu noma i-mortgage. Nakuba uma singabathengi siyazuza ekongeni kwekhomishana yokuvula eyaziwayo, ehlotshaniswa noma enikezwa ukwamukelwa kwesikweletu sendlu entsha kanye nezindleko zokulinganisa ezaziwayo zendawo entsha esiyitholayo.
Enye yezinzuzo i-mortgage subrogation esinika yona, okungenani e-Spain, ukungakhokhi Izintela okwaziwa ngokuthi I-Documented Legal Act (IAJD). Ngaphandle kwalapho, njengeqembu elithengayo, sifuna ukwenza ukulungisa okuthile ukuze sifinyelele ukukhushulwa kwezimali, okuholela ekuhlolweni okusha kwendawo okukhulunywa ngayo.
Ngakolunye uhlangothi, ukwamukela ukubolekwa kwezindlu kanye nokusigcwalisela sona njengabathengi kukhulisa ifayela lethu lesikweletu phambi kwezinhlangano zezezimali ezihlukene, okusivuzayo lapho sifaka isicelo sekhredithi, imalimboleko noma isikweletu sendlu entsha. Ngakho-ke, sincoma ukuhlola ngokucophelela isigatshana ngasinye futhi sinqume ukuthi ibhizinisi elihle noma cha.
Ukuze uqonde kangcono ukuthi yiziphi izinzuzo nezinkinga zokubolekwa kwezindlu, sikumema ukuthi ujabulele ividiyo elandelayo
I-mortgage subrogation ngaphandle kwamabhange. Ingabe kungenzeka?
Ukwenza lezi zinhlobo zokuthengiselana ngaphandle kolwazi lwezinhlangano zamabhange akunakwenzeka, ngoba kufanele sikhumbule ukuthi asisayini nje kuphela inkontileka yokuthenga nokudayiswa kwendawo, kodwa kufanele futhi sisayine izimo ezintsha zokubolekwa kwemali, okwenziwayo. phambi kwezinhlangano zamabhange.
Akukhathalekile ukuthi umthengisi noma umthengi ufinyelela izivumelwano ezifanayo nalezo ezinikezwa ebhange, ifemu engaphakathi ebhange iyohlale yazisa imisebenzi yokudayiswa kwezakhiwo ezingaphansi kwe-mortgage dependency.
Uma ibhange linganikezi imvume kumthengi wendawo, kunendlela yezezimali yokukwazi ukwenza ukuthengiselana, noma kunjalo, kuyingozi enkulu kumthengisi njengoba ibhaliswe nebhizinisi lezezimali kanye nokubhaliswa okufanele ukuntuleka kwenkokhelo okuwukuphela komuntu onesibopho ngumthengisi noma ngabe akasahlali endaweni yokuhlala.
Ukucabangela
Lapho kuxoxiswana ngokuthengwa nokudayiswa kwanoma iyiphi impahla noma impahla, kuyadingeka ukuba umdayisi achazele umthengi isici ngasinye nezimo lapho izimpahla zitholakala khona.
Lezi zici nemibandela zihlanganisa kokubili izici ezibonakalayo nezezimali zesakhiwo. Kumelwe siqonde ukuthi sibophekile ngokomthetho ukwazisa abangase babe abathengi ngezimo zokubolekwa kwezindlu lapho indawo yokuhlala itholakala khona, kokubili inhloko-dolobha esele okufanele ikhokhelwe, inzalo okufanele ikhokhwe, isikhathi okufanele sihlangatshezwe ngaso, phakathi kokunye.
Ngakolunye uhlangothi, sithola inkokhiso ngayinye yebhange esizoyenza nokuthi ngendlela efanayo izinhlangano zezezimali ezihlukene zibophezelekile ngokomthetho ukuthi zisitshele ngayinye yazo. Ngale ndlela umthengi uzokwazi ukwenza isinqumo ngombono ocacile futhi ophelele wezezimali kanye nesakhiwo sesakhiwo, ukugwema ukungaboni ngaso linye okusemthethweni ngokuhamba kwesikhathi.
Ngayinye yale datha izotholakala kumadokhumenti e-mortgage subrogation, lapho izocaciswa ngokuningiliziwe futhi ngaphandle kokushiya noma yikuphi kumakhasimende amasha. Ngendlela efanayo, iklayenti kufanele licele isitifiketi esibonisa isikweletu esinaso ngesikhathi sokwamukela i-mortgage kanye nezenzo zokuthenga nokudayiswa kwendawo, lokhu ukuze bobabili abathintekayo baphathe ngokugcwele idatha ngayinye yezezimali.
Kubalulekile ukuqaphela ukuthi ekubambisweni kwempahla yendlu azikho izindleko zokuvula ezisingathwayo njengoba isibambiso sendlu esiphethwe esivele sivuliwe, ngaphandle uma kukhona ukwenyuka kwemali. Uma kunjalo, kufanele siqonde ukuthi ikhomishini izobe isekelwe emalini okucelwe ukuba yelulwe isikhathi hhayi engqikithini. Esimeni sakamuva, ngokusekelwe ku-CIRBE, ibhange linganquma ukuthi umthengi uyakwazi yini ukuthatha lesi sikweletu esisha noma cha.
Ingabe i-mortgage subrogation ilungile?
Njengoba sesichazile, i-mortgage subrogation ukudluliselwa kwesikweletu sempahla komunye umuntu ukuze kudayiswe indawo yokuhlala. Ngendlela efanayo esiye sachaza ngayo le misebenzi yezohwebo ivame kakhulu kunalokho esingakucabanga, nokho, kufanele sicabangele ukuthi ukwenza lolu hlobo lokusebenza kanye nanoma yimuphi omunye kunemiphumela engasizuzisa noma isilimaze.
Okubaluleke kakhulu ngaphakathi kwalolu hlobo lokuthengiselana ukuthi umdayisi ukhululiwe esikweletini sendlu ngempahla engeke isaba umthwalo wakhe. Ngokwengxenye yakhe, umthengi uthola isikweletu se-mortgage ebhange endaweni yokuhlala ayitholile. Umthengisi uzophinde abe nesibopho samakhomishini, izintshisekelo noma izigaba ezithathwa njengezihlukumezayo ngaphakathi kwezinhlangano zezezimali, ngaphandle kwelungelo lokuphinda kuxoxiswane.
Kungakho kubaluleke kakhulu ukuthi uma sizothola i-mortgage subrogation, sifunde ngokucophelela imibandela ngayinye eshiwo ngaphakathi kwedokhumenti ye- mortgage ukuze sigweme iziphazamiso futhi singcolise ifayela lethu lesikweletu. Okungase kusithinte esikhathini esizayo uma sifuna ukuthatha izikweletu zezimali ezintsha nezinkampani ezihambisanayo ngaphansi kwezikweletu ezifana nezikweletu, okusalungiswa noma izikweletu ezintsha.
Ngakho-ke, bobabili umthengisi nomthengi kufanele benze ama-akhawunti abo adingekayo kanye nemibuzo ukuze babone ukuthi lolu hlobo lomsebenzi lungenzeka yini noma cha. I-mortgage subrogation ngayinye ihlukile, impahla nemibandela ngayinye ihlukile, ngakho ukusungula amacala ajwayelekile kuyoba ukunganaki, umkhandlu wezezimali kufanele ufunde, utolike futhi uxoxisane nabameli kanye nezinhlangano zabo zezezimali ezithenjwayo uma ukuxoxisana kusebenza ngaphansi kwemibandela ye-mortgage echazwe ku idokhumenti yokuqala futhi ubone ukuthi iyiphi inketho engcono kakhulu ongayithola emakethe ukuze uthathe impendulo efanele ehlanganisa kokubili izidingo zakho nokunakekelwa kokonga kwethu kanye nokutshalwa kwezimali kwethu okusha.
