Ukucinywa kwe-mortgage yaseTagalog
Ukuba ucinga ngokufumana imali mboleko yezindlu okanye umgca wokuthenga ngetyala, thenga ngeenxa zonke. Thelekisa inkxaso-mali enikelwa ziibhanki, iibhanki zokugcina imali, iimanyano zamatyala, neenkampani eziboleka imali. Ukuthelekisa kunokukunceda ufumane imimiselo engcono kunye nesivumelwano esingcono, esibalulekileyo xa inkxaso-mali iqinisekisiwe ngexabiso lekhaya lakho.
Xa uboleka imali, usebenzisa ikhaya lakho njengesibambiso kwaye “utshixe” imali ngexabiso lekhaya lakho. Oku kuthetha ukuba ukuba awuyibuyiseli imali, umbolekisi unokuthatha ikhaya lakho njengentlawulo yetyala lakho.
Ukuhlawulela ikhaya lakho, ukufumana i-mortgage yesibini, ukuthatha imali mboleko yezindlu, okanye ukufumana i-HELOC ziindlela eziqhelekileyo zokusebenzisa ikhaya lakho njengesibambiso semali ye-equity yekhaya. Kodwa ukuba awukwazi ukufikelela kwinkxaso-mali, unokuphulukana nekhaya lakho kunye naluphi na ukulingana okwenzileyo. I-equity ngumahluko phakathi kwento oyityalayo kwimali ebolekwayo kunye nesixa semali onokuthi uyifumane kwikhaya lakho ukuba uyithengisile. Inzala ephezulu, imirhumo yenkxaso-mali, nezinye iindleko zetyala nelokuvalwa nazo zinokwenza ukuba kubize kakhulu ukuboleka, nokuba usebenzisa ikhaya lakho njengesibambiso.
isampulu yeleta yokurhoxisa i-mortgage
Mhlawumbi ngenxa yokuba abathengisi abaninzi abakhulu ngokuzithandela bavumela abathengi ukuba babuyisele izinto ezithengiswayo ngaphandle kwemibuzo ebuzwayo, abathengi abaninzi bacinga ukuba banelungelo lokurhoxisa isivumelwano okanye bacele umthengisi ukuba athathe into kwaye abuyisele imali yomthengi.
Njengomba jikelele womthetho wekhontrakthi, abathengi abanalo ilungelo lokurhoxisa ukuthengiswa kwempahla okanye iinkonzo. Kwimeko yezinto ezineziphene, ezonakalisiweyo okanye ezingahanjiswanga, abathengi banokufuna ukubuyiselwa imali yabo. Kwaye abarhwebi abagqiba ukunika abathengi "isiqinisekiso sokubuyisela imali" kufuneka bagcine izithembiso zabo. Kodwa xa umrhwebi enikezele ngempahla okanye iinkonzo umthengi avumile ukuzithenga, umthengi akanako ukunyanzelisa ngokubanzi ukurhoxisa ukuthengiselana emva koko.
Ukuba umthengisi ongafunwa ngumthetho ukuba avumele ukucinywa kwesivumelwano wenza njalo, naziphi na iindleko ezifanelekileyo zomthengisi zinokugqithiselwa kumthengi. Ikhontrakthi inokufuna ixabiso elithile elivunyelweneyo lomonakalo ("umonakalo") ukuba umthengi uyacima. Igatya elilungisa umonakalo ongekho ngqiqweni liphuthile njengesohlwayo.
Intsingiselo yokurhoxiswa kwe-mortgage
Emva kokuhlawulwa kwetyala kunye nebhanki yakho, akukho sizathu sokugcina i-lien kwipropati yakho, enokuthi ngandlela-thile iphazamise umdla wakho kwixesha elizayo, njengokuba kwenzeka ukuba ugqibe ukuthengisa ipropati.
Gcina ukhumbule ukuba ukucinywa kwezoqoqosho mboleko akuthethi ukucinywa ngokuzenzekelayo kwe-mortgage kwindlu yakho eSpain kwaye, ngoko ke, akuthethi ukupheliswa kwe-mortgage kwi-Registry Property yaseSpain apho ikhaya lakho libhalisiwe.
Gcina ukhumbula ukuba le nkqubo ayihambelani neBhanki, kodwa kufuneka uyenze ngokwakho ukuze ubuyele ekubeni nepropathi yakho yaseSpain simahla. Iindleko ezifunyenwe ekurhoxisweni kufuneka zihlawulwe nguwe.
Ukuba ufuna ukuba senze iinkqubo eziyimfuneko zokucinywa kwe-mortgage yakho eSpain, unganqikazi ukuqhagamshelana nathi. Siyakuqhagamshelana neBhanki yakho kwaye silungiselele ukunikezelwa kweSivumelwano sokuCima i-Mortgage, siqinisekisa ukuba imali-mboleko iyacinywa ekugqibeleni kwiRejistri yoMhlaba apho ikhaya lakho libhaliswe khona.
Ukucinywa komrhumo we-mortgage
Olu papasho lunelayisensi phantsi kwemiqathango yeLayisensi yoRhulumente oVulekileyo v3.0, ngaphandle kwalapho kuchazwe ngenye indlela. Ukujonga eli phepha-mvume ndwendwela nationalarchives.gov.uk/doc/open-government-licence/version/3 okanye ubhalele iQela loMgaqo-nkqubo woLwazi, i-National Archives, Kew, London TW9 4DU, okanye i-imeyile: [imeyile ikhuselwe].
Ukothulwa kunye nokukhululwa kwemithwalo ebhalisiweyo kufuneka kwenziwe ngokuhambelana nemigaqo ye-114 kunye ne-115 ye-Land Registry Regulations 2003. Umthetho we-114 we-Land Registry Rules 2003 ubonelela ukuba, nangona umgaqo we-115, ukucinywa komthwalo obhalisiweyo kufuneka kwenziwe kwi-DS1. kunye nokuba ukukhutshwa kwenxalenye yefama ebhalisiweyo yomthwalo obhalisiweyo kufuneka kwenziwe kwifomu ye-DS3.
Asiyi kwamkela nasiphi na isilungiso kwifomu ye-DS1 okanye i-DS3 engabonelelwanga kwiMimiselo yoBhaliso loMhlaba ka-2003. Ngokukodwa, akukho fomu kufuneka ihlonyelwe ukuba imali isalindele uxanduva njengetyala lobuqu lomboleki.
Ifomu ye-ID1 okanye iFomu ye-ID2 iya kufunwa kumbolekisi, ngaphandle kokuba umbolekisi yibhanki yase-UK okanye uluntu lokwakha olufaka isicelo kuthi ngokwabo, okanye umelwe yi-arhente yezindlu okanye umntu ofaka isicelo unokuqinisekisa ukuba ungubani.
