Uxwebhu olunenkcazelo yomthetho engachanekanga
Ngaba ufuna uncedo lokulungisa impazamo ekubhaleni kwakho? Qhagamshelana negqwetha lezindlu nezindlu eGoosmann Rose Colvard & Cramer, PA ukuze ufumane eyona ndlela ilungileyo yokwenza ityala lakho. Siza kuqinisekisa ukuba amaxwebhu akho ezindlu nomhlaba achanekile kwaye asexesheni kunye nemimiselo yamva nje.
ENorth Carolina, abanini bepropati ngokubanzi baneendlela ezintathu zokulungisa iimpazamo ngaphakathi kwezenzo zepropathi. Oku kubandakanya ukusetyenziswa kwe-afidavithi yolungiso, eyaziwa ngokuba yi-afidavithi ye-notary; phinda ubhalise uxwebhu lokuqala; okanye usebenzise umbhalo omtsha owenziweyo wokuvavanya uvavanyo. Ukhetho oluchanekileyo phakathi kolu khetho luya kuxhomekeka kakhulu kubunzima bempazamo.
Ngokungafaniyo nezinye iinketho ezimbini, i-afidavithi yolungiso ayilotshintsho lokwenyani kwisenzo sokuqala. Endaweni yoko, i-afidavithi isebenza njengesaziso soluntu ngempazamo kwi-reference deed. Olu khetho lungcono kwiitypos ezincinci.
Ukubhalisa kwakhona i-original deed kubandakanya ukwenza izilungiso ngokuthe ngqo kuxwebhu lokuqala okanye kwikopi eqinisekisiweyo. Ukuze olu tshintsho lusebenze, uxwebhu olulungisiweyo maluhlangabezane nazo zonke iimfuno zasekuhlaleni kwaye lusayinwe ngamaqela entsusa luze lubhaliswe kwakhona.
i-tilbakemelding
Iibhanki, iimanyano zamatyala, kunye nabanye ababolekisi bemali benza iimali-mboleko eziqinisekisiweyo yonke imihla. Ukuba isibambiso sokubuyisela imali-mboleko yipropati yokwenene, isibambiso sithathwa ngendlela ye-deed of trust ebhaliswe kuMbhalisi we-Deeds kwingingqi apho ipropati ikhoyo. Ngokwesiqhelo, i-trust deed ilungiswa ngokufanelekileyo kwaye iphunyezwe, kwaye yakuba irekhodiwe, i-trust deed iba lukhonkco kwipropathi eqinisekisa ukuhlawulwa kwetyala. Ukuba ukusilela kwityala kwenzeka, loo propati ingathinjwa.
Nangona kunjalo, iimpazamo zinokuthi zenzeke xa kuyilwa okanye kusenziwa amaxwebhu emboleko. Ukuba i-deed of trust iqulethe impazamo, ukhuseleko lwepropati lusongelwa. Into ekukholelwa ukuba yimali-mboleko ekhuselweyo, eneneni, inokungakhuselekanga ngenxa yesivumelwano esinempazamo sokuthenjwa. Uninzi lweziphene zentembeko zifunyanwa xa ukungagqibeki kukhokelela ekuthinjweni, kwaye umbolekisi uqesha igqwetha ukuba lisebenze njengetrasti ye-foreclosure. I-ofisi yomphathiswa iya kuqhuba uphendlo lwetayitile kwipropati, kwaye impazamo ifunyenwe. Kwenzeka ntoni ke ngoko? Ngaba uxwebhu lwentembeko luyasebenza? Ngaba umbolekisi unalo ikhonkco ebecinga ukuba banalo? Amaxesha amaninzi, impendulo ithi "hayi". Ngethamsanqa, uninzi lweempazamo zinokulungiswa.
Idilesi engalunganga ngokubhaliweyo
Ngokufanelekileyo, ababolekisi kufuneka bajonge kabini kwaye kathathu-bajonge yonke into ngaphambi kokuba bangenise ifayile yemali-mboleko esemthethweni. Ngelishwa, iimpazamo ziyenzeka, kwaye impazamo kwirekhodi yakho yemali-mboleko inokuthintela ukuhanjiswa kobunini, iinkqubo zokubhanga, kunye nenkqubo yokuxhasa ngemali.
Ngalo lonke ixesha umntu efaka ulwazi olutsha kwisistim, impazamo inokwenzeka. Umnini-mhlaba unokuzalisa amaphepha ngendlela engeyiyo okanye angapeli kakuhle igama. Umbolekisi usenokungayiqondi impazamo okanye enze impazamo ngokwakhe. I-ofisi yombhalisi onoxanduva lokufakela uxwebhu lwesiqinisekiso kunye nolwazi lwe-mortgage ihlala inoxanduva lweempazamo ezincinci ezibangela iingxaki kamva.
Olu hlobo lwefayile yerekhodi luvumela abanini ukuba baqinisekise ulwazi kuxwebhu olusele lukhona, ngelixa belungisa naziphi na iimpazamo ezenziwe ngaphambili. Kuxhomekeka kurhulumente, abaninimzi kusenokufuneka badlule kwinkqubo eyahluke kancinane ukuyila kunye nokucokisa uxwebhu olwenziweyo.
Kwamanye amazwe, iinkundla ziya kuvumela abanini-mhlaba ukuba bafake i-afidavithi yolungiso okanye i-afidavithi ye-notary yeempazamo zobubhalana kunye nezinye iimpazamo ezincinci. Olu hlobo lwesilungiso luhluke kakhulu kwifayile yolungiso olupheleleyo, kwaye abanye abaninimzi banokufumana inkqubo yokufaka i-afidavithi ilula kunokukhuthaza umbolekisi kunye negqwetha ukuba livule kwakhona kwaye lilungise isenzo sokuqala.
Ifomu yokuBhala yokuLungisa
Ngokudala i-deed yokulungiswa, umntu unokulungisa iimpazamo ezahlukahlukeneyo, ezifana ne-mispellings, i-typos, iimpazamo kwinkcazo yepropati, njl. Ubhalo oluncedisanayo lusenokwenziwa, ukongezwa okanye ukuthabatha kubhalo lwentsusa.
Kwaye okubaluleke ngakumbi, i-sub-registrar iya kwamkela kuphela isicelo sakho sokubhaliswa kwe-deed of rectification, ukuba uqinisekile ukuba impazamo kuxwebhu lwangaphambili lwalungenangqondo. Onke amaqela achaphazelekayo kwimvumelwano kufuneka avumelane nolu tshintsho lucetywayo kwaye avele kwi-ofisi yombhalisi ongezantsi ukulungiselela ukubhaliswa kwesiqinisekiso.
Umrhumo oqingqiweyo we-Rs 100 kufuneka uhlawulwe ukuze isiqinisekiso solungiso sibhaliswe kwiofisi yobhaliso. Nangona kunjalo, oku kuyinyani kuphela kwimeko yokuchwetheza okuncinci okanye utshintsho lopelo kumaxwebhu okuqala. Ukuba utshintsho olubalulekileyo kufuneka lwenziwe kuxwebhu, iofisi inokufuna umsebenzi wesitampu ophezulu, ukuqonda ukuthengiselana njengento entsha.
Umthetho awuthethi nto malunga nexesha apho impazamo okanye impazamo kulo naluphi na uxwebhu kufuneka ilungiswe. Xa nawaphi na amaqela abandakanyekayo kwintengiselwano eqonda ukuba kukho ulwazi olungachanekanga okanye iimpazamo zokuchwetheza kuxwebhu lobunini, kufuneka azise ingqalelo kwelinye iqela elibandakanyekayo kwintengiselwano kwaye impazamo ilungisiwe, ngokwenza uxwebhu lolungiso. .
