usufructuary mortgage
Mortgage kana lien inogadzira kodzero dzepfuma mune yakachengetedzwa asset. Mitemo ine chekuita nebumbiro remitemo yemortgages uye mhosva, pamwe chete nezvakakosheswa pakati pezvikwereti zvakasiyana uye zvinochajiswa pachinhu chimwe chete, zvinotemerwa nemitemo yemutemo wepfuma.
Zita rekuti "isina kunyoreswa" rinoreva kuti muridzi unotangwa nezviito zvinoratidza cheni yezvakambotenga uye kutamiswa, negwaro rekupedzisira richiendeswa kumuridzi aripo. Uridzi hunopupurirwa mukuita kwezvivakwa nekupa cheni yezviito zvinoratidza muridzi kubva pakutengeswa kwenzvimbo nemutengo wakazara, angangoita makore gumi nemashanu apfuura.
Collateral pane real estate mushure meDecember 1, 2009 inogona kugadzirwa chete nekuchaja. Lien inogadzira kodzero dzezvivakwa dzinoshanda kune nyika nenzira imwecheteyo serendi. Kufarira zvinhu. Zvisinei, chibvumirano hachipi kodzero dzakafanana dzepfuma sembareti. Mutoro unopa dzimwe kodzero dzepamutemo nemhinduro kumuridzi wawo. Mitemo (The Registration of Titles Act, 1964 neThe Land Law and Conveyancing Law Reform Act, 2009) inopa muridzi wenzvimbo kodzero zhinji negadziriso dzemubati wemba.
Chii chinonzi mortgage deed?
Iyo Land Registry (inozivikanwawo seHer Majsty's Land Registry) idhipatimendi risiri gurukota reHurumende yeUK. Yakagadzirwa muna 1862 kunyoresa zviri pamutemo muridzi wenzvimbo nenzvimbo muEngland neWales.
Pakutanga kunyoresa kwaiva kwokuzvidira. Zvakadaro, Mutemo weLand Registry Law wa1925 wakamisa kunyoreswa kwemutemo, uko kwakaunzwa zvishoma nezvishoma kusvika, muna 1990, chero kutamiswa kwevhu kana midziyo kwakonzera kudiwa kwekuinyoresa muLand Registry. Iyo Property Registration Act ye2002 yakatsiva iyo 1925 Act, ichiwedzera zvakanyanya zvinokonzeresa zvekunyoreswa kunyoreswa. Ikozvino, nyika yese yakatengwa, inotengeswa, yakapihwa kana kukweretwa inofanirwa kunyoreswa muLand Registry.
Ungazviziva sei? Kana iwe uine zvitupa zvako zvezita kumba, cheki yekukurumidza icharatidza kana iwe uine beige Chitupa cheMuridzi kana yebhuruu Chitupa cheCharge. Izvi zvinoreva kuti imba yako yatove nenhamba yezita muLand Registry.
Kana uine mapepa ekare akati wandei ekare, uye gwaro rinoshandiswa kuendesa muridzi kuzita rako panguva yekutenga iConveyance, nzvimbo yako inogona kunge isati yanyoreswa.
Mhando dzemortgage mumutemo
Vepakati vanokweretesa zvikwereti vari kuramba vachitambira mari yembavha isina kunyoreswa sechibatiso chechikwereti. Kunyange zvazvo mari yembavha isina kunyoreswa ichipa mukweretesi pamberi pevakweretesi vasina kuchengetedzwa, mari yembavha isina kunyoreswa haipe mukweretesi kodzero dzakafanana kana mabhenefiti sechikwereti chakanyoreswa.
Pasi pemutemo weAustralian Capital Territory neNew South Wales, vabati vemortgage vakanyoresa vanogona kupikiswa mumamiriro ezvinhu mashoma uye vanongopihwa mubereko wakanyoreswa imba isati yapihwa. Imwe yekodzero dzakanyanya kukosha kune akanyoreswa mubati wemondgage kugona kutengesa chivakwa semukweretesi-mu-mune-pasi pasina kukanganiswa kubva kune chero mumwe mukweretesi.
Zvichienderana nemamiriro ezvinhu, mari yembavha isina kunyoreswa inogona kutora pamberi pezvinotevera zvisina kunyoreswa zvikwereti uye vese vasina kuchengetedzwa vanokwereta. Nekudaro, haipe pamberi kune chero yakanyoreswa mortgage kana kudzivirira muridzi weiyo iripo yakanyoreswa mortgage kubva pakukweretesa imwe mari kune anokwereta. Zvichienderana nemitemo yegwaro rechikwereti, mubati wechikwereti chisina kunyoreswa angave ane kodzero yekugadza mugamuchiri weimba anogona kutengesa pfuma. Zvakadaro, mugamuchiri haana kodzero yakafanana neyemukweretesi anayo yekupfuura mhindu yevamwe vakanyoresa vanokweretesa pazita racho. Nekuda kweizvozvo, unogona kunetseka kutengesa nzvimbo yacho.
Zvinosungirwa here kunyoresa mortgage? yenguva
Musi waGumiguru 11, 2021, iyo Real Estate Amendment (Zvitupa zveChita) Act 2021 yakatanga kushanda, ichibvisa Zvitupa zveZita (CT) uye Kodzero yeKubata (CoRD) control framework. Ese maTC aivepo akakanzurwa uye maTC haachazopihwa. MaTC aripo haazodi kuendeswa, uye mvumo yemubati weCDR haizodikanwa, kunyoresa kushanda kana chirongwa. Mazano ese aripo ari pasi peshanduko iyi ari kuongororwa parizvino uye achagadziridzwa kuratidza shanduko idzi. Kuti uwane rumwe ruzivo nezve TC kudzvinyirira, ona
Nguva uye zuva rekunyoresa zvikwereti zvinotarisa kukosha kwavo. Iyo nguva uye zuva rekugadzirira remba, kutanga, kana kuvharirwa hazvina basa pakuisa pekutanga. Mortgage yakanyoreswa inotangira pane imwe imba isina kunyoreswa.
Mortgage inobata ivhu isina chinongedzo chekufambisa muchimiro chebhuku uye nhamba inofanira kunyoreswa muhurongwa hwese, kureva, nekodhi "G", ine chirevo: "Mortgage ye [tsanangudzo yenyika uye fomu yekutora]". Pinda muguta. Pinda muchengeti semutengesi wekupinda.
