Ukucinywa kwetyala lemoto
Ukuba uza kuthenga indlu, mhlawumbi kuya kufuneka uthabathe imali-mboleko. I-mortgage yimali-mboleko egubungela iindleko zendlu ongenakukwazi ukuyihlawula kwaye idla ngokubuyiswa kwisithuba seminyaka eli-15 ukuya kwengama-30. Ukuba ucinga ngokuthatha imali yokubambisa, waziwa njengonoboleka kwintengiselwano yokuthenga ikhaya. Makhe sijonge kuyo yonke into ekufuneka uyazi xa usiba ngumthengisi.
Umbolekisi ngumntu okanye umbutho oboleka imali yokuthenga indlu okanye ipropati. Xa umntu efuna ukuthenga indlu, kufuneka aye ebhankini okanye kwiziko letyala ukuze acele imali yokubambisa.
Kwi-real estate deal, umboleki ngumboleki wemali mboleko kwaye umboleki ngumbolekisi. Umbolekisi wenza intlawulo yemali-mboleko rhoqo kwaye uyayamkela i-lien kwipropati ebambiso njengesibambiso kumntu obolekayo. Kunoko, i-mortgagor ibeka imimiselo yemali-mboleko, yongamela intlawulo yayo, kwaye igcina ilungelo lokuhlutha ipropati ukuba umboleki ubuyela emva kwiintlawulo zakhe.
De intlawulo yemali-mboleko ihlawulwe ngokupheleleyo, umntu oboleka imali uya kubugcina ubunini bepropati. Ngokusisiseko, ukuba umboleki-mali akayi kubuyisela yonke imali ebolekiweyo, umboleki unokugqiba ekubeni abhide okanye athengise ipropati.
Ukucinywa kwentlawulo yokubambisa
2010 Georgia Code TITLE 44 – PROPERTY ISAHLUKO 2 – IREKHODI NOKUBHALISWA KWEZEENKONZO NEZINYE IZIXHOBO INQAKU 2 – UKUBHALISWA KOMHLABA ISIGABA 4 – ABABHALISO NOBHALISO § 44-2-136 – Ukucinywa kwe-mortgage, lien, lispendence; ukungena kokurhoxiswa kwirejista yetayitile kunye nesatifikethi; inkqubo xa kwaliwe ukugunyazisa ukurhoxiswa
I-Disclaimer: Ezi khowudi zisenokungabi yinguqulelo yamva nje. IGeorgia inokuba nolwazi oluninzi lwangoku okanye oluchanekileyo. Asenzanga ziqinisekiso malunga nokuchaneka, ukugqibelela, okanye ukwanela kolwazi oluqulethwe kule ndawo okanye ulwazi oludityaniswe kwisiza sikarhulumente. Nceda ujonge imithombo esemthethweni.
Ukucinywa kwe-mortgage yaseTagalog
Ayiqhelekanga into yokuba imali yokubambisa ibonakale kwisicatshulwa esikhoyo sokubhaliswa komhlaba. Ngokufunda ixesha ngokusondeleyo, kunokuvela ukuba i-mortgage ibhaliswe ngumnini wangaphambili, umzekelo. Ngamanye amaxesha ide isuka kumakhi wepropathi.
Okanye, ukuba yimali-mboleko yomnini-ndlu, kukho ukumangala okukhulu kumniniyo. Akunto ingaqhelekanga ukuva amazwi anjengala: “Imali-mboleko yethu ihlawulwe iminyaka, kutheni isadweliswe kubhaliso lwezakhiwo?
Cela ibhanki yakho ukuba ikhuphe iSivumelwano sokuCima i-Mortgage. Qinisekisa ukuba olu xwebhu lubhaliwe kubhaliso lomhlaba. Akukho nanye kwezi zinto ezenzekelayo. Kufuneka ujongane nayo okanye ube negqwetha okanye i-arhente ikwenzele yona. Le nkqubo ibandakanya iindleko, iirhafu kunye neentlawulo ekufuneka umnini azihlawule.
Kuphela xa isivumelwano sokukhansela sibuyiswa yirejista yomhlaba kunye nenqaku lokucubungula, i-mortgage nayo isusiwe kwirejista yomhlaba. Kwi-jargon yobugcisa ithi: i-mortgage irhoxisiwe.
Iimfuno zokucinywa kwe-mortgage kwirejistri yezihloko
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.
