Ukuthengisa ipropati engabhaliswanga
Abanye abantu bafuna ukuzalisa iifom ngokwabo ukwazisa iRegistry yePropati okanye iRejistri yeMithetho malunga notshintsho kwidatha yabo yobuqu, ubunini bepropathi okanye ukuba i-mortgage ihlawulwe. Oku kubizwa ngokuba kukwenza isicelo sobuqu.
Ukuba uzigqibile iintlawulo zakho zokubambisa kwaye ibhanki yakho okanye inkampani yetyala lokubambisa ikuthumelele ileta kunye noxwebhu lwerekhodi yakho, kufuneka wazise iRegistry yoMhlaba. Olu xwebhu lusayiniweyo oluqinisekisa ukuba ulihlawule ityala lakho le-mortgage libizwa ngokuba "kukukhulula."
Urekhoda isiqinisekiso sentlawulo yakho yokubambisa, ebizwa "kukugxothwa," kwiRejista yeSivumelwano. Ngamanye amaxesha isiqinisekiso semali-mboleko sokuqala asifumaneki kwiRejistri yeSigqibo kwaye umbolekisi usayina ukhupho olwahlukileyo olurekhodwa njengenqaku elahlukileyo.
Ukuba unqwenela ukubhalisa utshintsho lwegama okanye idilesi kuBhaliso loMhlaba, kufuneka ugcwalise iphetshana lesicelo sobhaliso elingu-100A. Kananjalo uya kufuna igqwetha ukuze likugcwalisele isatifikethi.
Nje ukuba ubhaliso lugqityiwe, ukubhaliswa kwepropathi yakho kunye “nephepha” lakho liya kuhlaziywa. Ungaqinisekisa ukuba ubhaliso luchanekile ngokufumana ikopi yephepha. Iindleko yi-£ 11 kwaye inokufumaneka ngokuqhagamshelana nelinye lamaziko olwazi lwabathengi.
Igqwetha alizange libhalise ipropati
Nje ukuba imali-mboleko ihlawulwe, unelungelo lokuba amaxwebhu epropati okanye iitayitile zendlu zibuyiselwe kuwe. Umbolekisi wakho akanalo ilungelo lokubamba kwakhona, kwaye uya kuhlala ezibuyisela kuwe emva kokufumana intlawulo yakho yokugqibela. Kodwa ukuba ipropati ibhalisiwe, akukho maxwebhu obunini okanye amaxwebhu anokubuyiswa, njengoko iRejistri yoMhlaba izigcina ngekhompyutha kwiikhompyutha zayo kwaye ayikuthumeleli ikopi ngokuzenzekelayo. Ke ngoko, ukuba ipropathi yakho ibhalisiwe, kufuneka ucele kwi-Intanethi ikopi yoBhaliso lweeTayitile kunye neSicwangciso seTayitile, ezingamaxwebhu obunini bakho.
Xa intlawulo yokugqibela kwi-mortgage yenziwa (eyaziwa ngokuba yintlawulelo ye-mortgage) umboleki akasenalungelo le-lien erekhodiweyo kwipropati yakhe, njengoko engasadingi mbambiso ukuze ahlawule ityala.
Isiqhelo sesiqhelo sesokuba umntu obolekisa ngemali ekuthumelela iimpepha zepropathi yakho ngexesha lokuhlawula, ukuba ipropati ayizange ibhaliswe kwiRejistri yePropati, kwaye ke kufuneka wenze isigqibo sokuba uyafuna na ukugcina iitayitile okanye ucele ukubhaliswa. Ukuba uthatha isigqibo sokwenza isicelo sobhaliso ngokuzithandela, kuya kufuneka uqeshe igqwetha ukuba likwenzele oko, njengoko kuya kufuneka ubonise ubungqina kwiCandelo loBhaliso loMhlaba ukuba unengcambu efanelekileyo yetayitile. Ingcambu elungileyo yetayitile ithetha nje ukuba ungalanda isixokelelwano sobunini esingaqhawukanga sibuyele kuwe komnye umntu ongumnini wepropati ubuncinane kwiminyaka eli-15 eyadlulayo. Igqwetha lakho kwakhona kuya kufuneka libonise ukuba akukho namnye kwaba banini ophulukene nelungelo lakhe kwipropati, umzekelo, ngenxa yokubhanga. Konke oku kukuziqhelanisa negqwetha, kodwa amaxesha amaninzi ngaphaya kwengqiqo yabantu abaqhelekileyo abafana nam nawe.
Ngaba ungafumana imali-mboleko kwipropati engabhaliswanga?
Ukuba isicelo sakho semali-mboleko siyakhatywa, kukho izinto ezininzi onokuzenza ukuze uphucule amathuba akho okuvunywa kwixesha elizayo. Musa ukukhawuleza uye komnye umbolekisi, njengoko isicelo ngasinye sinokuvela kwifayile yakho yetyala.
Naziphi na iimali mboleko oye waba nazo kule minyaka mithandathu idlulileyo ziya kubonakala kwirekhodi yakho, nokuba uzihlawule ngexesha. Kusengabala ngokuchasene nawe, njengoko ababolekisi benokucinga ukuba awuzukwazi ukuhlawula uxanduva lokuba nemali-mboleko.
Ababolekisi abafezekanga. Uninzi lwazo lufaka idatha yesicelo sakho kwikhompyuter, ngenxa yoko awunakunikwa imali mboleko ngenxa yempazamo kwifayile yakho yetyala. Umbolekisi akunakwenzeka ukuba akunike isizathu esithile sokungaphumeleli kwisicelo sekhredithi, ngaphandle kokuba sinxulumene nefayile yakho yekhredithi.
Ababolekisi baneenqobo zokubhala phantsi ezahlukeneyo kwaye bathathele ingqalelo inani lezinto xa bevavanya isicelo sakho semali-mboleko. Zinokusekelwe kwindibaniselwano yobudala, umvuzo, ubume bengqesho, umlinganiselo wemali-mboleko-kwixabiso, kunye nendawo yepropathi.
Kwenzeka ntoni ukuba ipropati ayibhaliswanga kubhaliso lwepropati
Kukho amaziko ahlukeneyo emali anika imali-mboleko kubantu abathenga ipropati, umzekelo, ukwakha imibutho kunye neebhanki. Kuya kufuneka ufumanise ukuba ungayithabatha na imali-mboleko kwaye, ukuba kunjalo, yintoni na isixa-mali (ukufumana ulwazi malunga nokubambisa, jonga icandelo le-Mortgages).
Ezinye iinkampani zokubambisa zibonelela abathengi ngesatifikethi esichaza ukuba imali-mboleko iya kufumaneka ukuba nje ipropati iyanelisa. Ungasifumana esi satifikethi phambi kokuba uqalise ukukhangela ikhaya. Iinkampani ezithengisa izindlu nezindlu zibanga ukuba esi satifikethi sinokukunceda ukuba umthengisi amkele isithembiso sakho.
Uya kufuneka uhlawule idiphozithi ngexesha lokutshintshiselana kwezivumelwano, iiveki ezimbalwa ngaphambi kokuba ukuthengwa kugqitywe kwaye imali ifunyenwe kumbolekisi we-mortgage. Idiphozithi idla ngokuba yi-10% yexabiso lokuthenga ikhaya, kodwa inokwahluka.
Xa ufumana ikhaya, kufuneka ulungiselele ukujonga ukuze uqiniseke ukuba yiloo nto oyifunayo kwaye ufumane ingcamango yokuba kuya kufuneka uchithe imali eyongezelelweyo kwikhaya, umzekelo ukulungiswa okanye ukuhlobisa. Kuqhelekile ukuba umntu onokuba ngumthengi andwendwele indawo kabini okanye kathathu ngaphambi kokuba enze isigqibo sokwenza umnikelo.
