Ukucinywa komrhumo we-mortgage
Ukuba urhoxisa imali oyibambileyo ngezoqoqosho ebhankini kodwa ungaze wazise iRejistri yoMhlaba, imali yokubambisa iya kuqhubeka ibhalisiwe kwipropati. Ukuba uthatha isigqibo sokuthengisa ipropati yakho, umthengi uya kufumanisa ukuba kukho imali-mboleko kwipropati kwaye unokwala ukuthengiswa. Nokuba uxelela umthengi ukuba imali-mboleko yakho ivaliwe, mhlawumbi awuyi kuthenga ipropati kunye ne-mortgage kuwe.
UBhaliso loMhlaba luya kukhupha iNota Simple ebubungqina bobunini. Ukongeza, ikwazisa malunga neentlawulo (oko kukuthi, i-mortgages) kunye nokubulawa kunye nokuvalwa (oko kukuthi, ubugwenxa be-mortgage, amatyala eRhafu kwiNgeniso yaBantu baseNyameni (IBI)) ukuba ipropati igcina.
Okokuqala: Kufuneka uqhagamshelane nesebe lebhanki kwaye ucele ngokusemthethweni ukucinywa kwe-mortgage kwiRejista yoMhlaba. Kungcono ukwenza oku ngokubhalela kumphathi webhanki.
Kubalulekile ukugqamisa into yokuba unokohlwaywa yibhanki ngokucinywa. Xa isivumelwano se- mortgage sisayinwe, kuyinto eqhelekileyo ukuvumelana ngezinye iindleko kunye neentlawulo ezinxulumene nokucinywa kwe-mortgage. Ngoko ke, kubalulekile ukucela ibhanki ngeendleko zeendleko ezinxulumene nokucinywa ngaphambi kokuba uqhubeke. Ukongeza, kuya kufuneka kwakhona uhlawule imisebenzi yokurhoxiswa kwi-Notary yaseSpain kunye neendleko zobhaliso kwiRegistry yoMhlaba.
Ukucinywa kwe mortgage chattel
Ingaba lucinywa nini uxwebhu lwentengiso? Ithini imbuyekezo elindelekileyo? Ingaba ikhona imbuyekezo enikiweyo? Ngaba isivumelwano sentengiso siphelelwa? Le yimibuzo ephendulwe kweli nqaku ukunceda abathengi okanye abathengisi ababambelele ekubhaleni ukuthengisa kakubi kwaye babanike ukucaca ngakumbi kulo mbandela.
Uncedo olunikezelweyo lusebenza kumgaqo wokukhusela okanye ubulungisa obukhuselayo kwaye ngoko ke kusebenza kumaxwebhu aqhutywe ngummangali. Oku akuthethi ukuba ummangali kufuneka abe yinxalenye yesivumelwano, kodwa kunokuba bafake isimangalo ukuba isenzo sichasene neemfuno zabo.
Isivumelwano okanye uxwebhu olunyanzeliswa ngumthetho, ngemvume yeqela elinye okanye ngaphezulu, kodwa alunyanzeliswa ngumdla wamanye amaqela amaninzi, kuthiwa yikontrakthi engasebenziyo. Ukubhala kuthiwa akunakwenzeka ukuba kwaye nini:
Icandelo loloyiko olufanelekileyo libandakanyiwe kwinqaku lama-31 loMthetho weMiqathango eYodwa kwaye lisekelwe kwingqikelelo yobulungisa obukhuselayo kunye nexesha le-quia (ngoloyiko). Uloyiko olufanelekileyo luyahluka ukusuka kwimeko ukuya kwelinye ngokuxhomekeke kwiimeko kunye neemeko zophando oluthile okanye ityala.
Inkcazo ye-Mortgage emthethweni
Ukurhoxiswa luxwebhu olubonisa ukuba uhlawule i-deed of trust (isixhobo esiqinisekisa ukubuyiswa kwesixa semali okanye ukuzaliseka kweminye imiqathango) ngokupheleleyo. Ukurhoxiswa okurekhodiweyo kukhulula isiqinisekiso sokuthembeka kwiirekhodi zepropathi kwisiphaluka apho ipropati ikhoyo. Kukho iindlela ezintathu ezahlukeneyo zokurhoxisa izenzo zokuthembela kunye neemali mboleko.
Umphathiswa okanye itrasti ebambeleyo unokufaka ifayile "Ukwaneliseka kweTrasti yeTrasti." Ukwaneliseka kweTrasti yeTrasti kufuneka isayinwe yitrasti okanye ibambela letrasti kwaye ivunywe ngummeli woluntu, kwaye iqulathe lonke ulwazi olufunwa ngumthetho 45-36.20 kunye 45-37(a)(7).
Umbolekisi okhuselwe kwisixhobo sokhuseleko unokusayina "Ukwaneliseka kweSixhobo soKhuseleko". I-"Satisfaction of Security Instrument" kufuneka isayinwe liqela elikhuselekileyo kwaye ivunywe ngummeli woluntu kwaye iqulathe lonke ulwazi olufunwa ngu-GS 45-36.10 kunye ne-GS 45-37 (a) (7).
Ukucinywa kwe-mortgage yaseTagalog
Ngokuqhelekileyo, awunalo ilungelo lokurhoxisa isivumelwano. Nje ukuba usayine isivumelwano, ubopheleleka kuko. Kuba uninzi lwezivumelwano azinakurhoxiswa, awufanelanga usayine ikhontrakthi ngaphandle kokuba uthenge ngeyona nto ilungileyo kwaye ube nexesha lokucinga ngayo. Soloko usifunde isivumelwano phambi kokuba usityikitye. Buza imibuzo ngayo nayiphi na imiqathango ongayiqondiyo okanye ongavumelaniyo nayo.
Kufuneka usirhoxise isivumelwano ngembalelwano. Umthengisi kufuneka akunike isaziso esibhaliweyo esikwazisa ngelungelo lakho lokurhoxisa isivumelwano, kunye neekopi ezimbini zefomu yokurhoxisa. Ukuba ufuna ukurhoxisa, ungathumela okanye uhambise ngesandla ikopi yoxwebhu lokurhoxisa kwidilesi edwelisiweyo ukuze irhoxiswe. Nceda ugcine ikopi yesibini kwiirekhodi zakho. Ukuba awunikwanga fomu, ungazibhalela eyakho ileta.
Ukuba umthengisi akazange akwazise ngokubhaliweyo ngelungelo lakho lokurhoxisa kunye neekopi zefomu yokurhoxisa xa usayina isivumelwano, unokurhoxisa ukuya kuthi ga kwiintsuku ezintathu emva kokuba umthengisi ekunike la maxwebhu ekugqibeleni.
Ukuba urhoxisa isivumelwano sokuthengisa ikhaya, umthengisi kufuneka abuyisele imali kuwe kwiintsuku ezingama-20. Umthengisi ke unelungelo lokuqokelela imveliso kuwe. Ukuba umthengisi akayicholi kwiintsuku ezingama-20 ukusuka kumhla wesaziso sakho sokupheliswa, ungasigcina okanye usilahle.
