Kwenzeka ntoni kwi-mortgage xa ithengisiwe
Okokuqala, sibonelela ngeendawo ezihlawulelwayo ukuze abathengisi bangenise izinto zabo. Iintlawulo esizifumanayo ngokubekwa zichaphazela indlela kunye nendawo abathengisi ababonakala ngayo kwisayithi. Esi siza asibandakanyi zonke iinkampani okanye iimveliso ezikhoyo kwimarike.
Okokuqala, sibonelela ngendawo ehlawulelwayo ukuze abathengisi bangenise izinto zabo. Iintlawulo esizifumanayo kwezo ntengiso zichaphazela indlela kunye nendawo abathengisi ababonakala ngayo kwisayithi. Esi siza asibandakanyi zonke iinkampani okanye iimveliso ezikhoyo kwimarike.
Le yimali-mboleko evumela ilungu losapho elisondeleyo, ngokuqhelekileyo umzali okanye utatomkhulu, ukuba abe ngumqinisekisi wetyala. Oku kuthetha ukuba kufuneka basebenzise imali yabo yokulondoloza okanye ikhaya labo njengesibambiso semali-mboleko entsha.
I-guarantor ithatha inxalenye okanye yonke ingozi ye-mortgage entsha. Umqinisekisi kufuneka kwakhona avume ukuhlawulela zonke iintlawulo zenyanga ze-mortgage ukuba umninikhaya akakwazi ukuhlawula nasiphi na isizathu. Kodwa umntu oqinisekisayo akadli ngokuba ngumnini wayo nayiphi na inxalenye yepropati okanye adweliswe kwitayitile yekhaya.
Imali-mboleko ehlawulwayo xa iqabane lifa
Ukufa kweqabane kunzulu ngokwaneleyo, ngaphandle koxinzelelo olongezelelweyo lokuzibuza ukuba kuya kwenzeka ntoni kwi-mortgage yakho okanye uloyiko lokuphulukana nekhaya lakho. Esi sikhokelo sigubungela iinkalo ezininzi eziqhelekileyo zento onokuyilindela, kunye namanyathelo okuqala okusombulula nayiphi na ingxaki ye-mortgage, ukuba iqabane lakho lidlulile.
Ukuba nesicwangciso sokusombulula imicimbi yakho yezemali xa unokusweleka kuyinto eqhelekileyo. Nokuba wenza umyolelo, uthatha i-inshurensi, okanye uvumele abantu obathandayo bazi iminqweno yakho, oku kunokuhamba indlela ende ekusombululeni nayiphi na imiba emva kokufa kwakho.
Nangona kuvakala kubuhlungu kwabanye abantu, ukucwangcisela ukufa kwakho - nokuba ungakanani na ubudala - yeyona ndlela ilungileyo yokuqinisekisa ukuba iqabane lakho kunye nosapho lwakho bakhuselekile emva kokusweleka kwakho. Ubuncinci, i-inshurensi yobomi eyaneleyo inokunceda ukukhupha iinkxalabo zemali kubantu obathandayo.
Ukuba ne-inshorensi yobomi eyaneleyo iya kuqinisekisa ukuhlawulwa kwendlu yendlu xa uthe wasweleka. Ukuba usweleka ngaphandle kwe-inshurensi yobomi, usapho lwakho, okanye abo balawula ilifa lakho, banokunyanzelwa ukuba bathengise ipropati ukuze bahlawule ityala kumbolekisi we-mortgage.
Kwenzeka ntoni ukuba umntu omnye uyafa kwimali-mboleko edibeneyo?
Ekubeni ilizwe ngalinye linemigaqo eyahlukileyo malunga nendlela isihloko esidluliselwa ngayo, nokuba ngaba ukuthanda okanye ukuvavanywa, kubalulekile ukuthetha nommeli kwaye unqume imithetho kwimeko yakho kunye noko kufuneka ukwenze ngokusekelwe kwindlela ofuna ukuba umlandeli wakho abe nobunini.
Ukuba uneqabane elisaphilayo, umthetho we-federal ikuvumela ukuba uthathe imali-mboleko, kunokuba uhlawule ibhalansi epheleleyo kwinkampani ye-mortgage, ukuba nje unokungqina amandla akho emali kunye nokufaneleka kwetyala.
Iindlalifa zezo zinokufumana imali ngenxa yentando, kodwa zingenagunya kwilifa okanye ukuthengiswa kwempahla. Aba bantu badla ngokuba ngamalungu osapho okanye umntu umxhasi ebedweliswe njengabaxhamli kumyolelo.
Umabi wamafa umiselwa ukuba alawule ilifa aze aqinisekise ukuba onke amabango ahlawulwa yaye naziphi na izinto eziseleyo ziya kwiindlalifa. Ngenxa yegunya analo umabi welifa, unokubonisana nendlalifa malunga nelifa okanye ukuthengiswa kwempahla, kodwa akanyanzelekanga ukuba enjenjalo. Umabi wamafa unegunya lokugqibela lokwenza izigqibo zokugqibela ngokuphathelele ilifa.
I-Inshurensi yoKhuseleko loMqinisekisi
Intsingiselo yesiqinisekiso, oyena mntu unetyala kunye nombolekisi: Umntu onika isiqinisekiso ubizwa ngokuba yi "guarantor"; umntu onikwe isiqinisekiso ngenxa yokungaphumeleli kwakhe ubizwa ngokuba "ngumtyali-mali oyintloko", kwaye umntu onikwe isiqinisekiso ubizwa ngokuba "ngumbolekisi".
Ngokungqinelana necandelo 133 loMthetho weZibhambathiso, naluphi na utshintsho olwenziwa kwimigaqo nemiqathango yekontrakthi yokuqala phakathi komtyali oyintloko kunye nomtyali ngaphandle kwemvume yomnikezeli oqinisekisayo ukhulula umntu oqinisekisayo kubutyala ngenxa yeentengiselwano ezilandelayo. /utshintsho.
Xa isiqinisekiso esinikezelwa kumntu otyalwayo ngoyena mntu unetyala sikhululwe ngokupheleleyo okanye ngokuyinxenye ngaphandle kwemvume yomgcini-mali, i-guarantor iyakhululwa ukuya kutsho kubungakanani bexabiso lesiqinisekiso esikhululiweyo, kungakhathaliseki ukuba umgcini-mali wayenolwazi lwesiqinisekiso esixeliweyo. umbolekisi.
Xa umbolekisi evala i-akhawunti ekhoyo ngokudlulisela imali eseleyo kwi-akhawunti entsha ngamaxwebhu amatsha avela kumboleki, uxanduva lomgcini-mgcini lufikelela esiphelweni phantsi kwekhontrakthi endala yesibambiso. Ngoko ke, kuyimfuneko ukuba umbolekisi afumane isivumelwano esitsha sokubambisa esenziwe ngumqinisekisi kunye namaxwebhu amatsha avela kumtyali oyintloko wokuqhubeka kwesibambiso kwi-akhawunti entsha.
