Iqabane elinye kuphela kwi-mortgage kodwa zombini kwisihloko sokuqhawula umtshato
Kwabanye abantu, olu lusuku abafudukayo ngalo. Kwabanye, lusuku aba balingane babini bavumelana ngalo ukuba umtshato wabo uphelile, kwaye benza izicwangciso zokuqhawula umtshato. Ngokubanzi, ukusukela ngaloo mini ukuya phambili, into oyizuzayo okanye iqabane lakho okanye iqabane lakho eniyibolekayo ayiseyiyo ipropathi yoluntu.
Unokuba nepropathi yoluntu eninzi kunokuba ucinga. Abantu abaninzi abacingi malunga nezicwangciso zomhlalaphantsi okanye zomhlalaphantsi. Unelungelo lokufumana inxalenye yemali kweso sicwangciso ukuba ubuyifumene ngexesha lomtshato wenu.
Iqabane elinye kuphela kwi-mortgage kodwa zombini kwisihloko
Xa utshata, uyavuma ukwabelana ngempahla neqabane lakho kuba nje utshatile. Nangona kunjalo, kukho ii-asethi onokuthi ube nazo ngaphambi komtshato wakho onokuthi uhlale wedwa, oko kukuthi, zibhekwa "njengempahla eyahlukileyo." Kukwakho nee-asethi onokuthi uzifumane emva komtshato wakho ezinokuthi zihlelwe njenge-asethi eyahlukileyo kwimeko yoqhawulo-mtshato okanye yokusweleka. Ukuba uneqabane elisemthethweni, imigaqo inokwahluka kancinci. Cinga ngokusebenza nomcebisi wezezimali ukwenza okanye ukuguqula isicwangciso semali esihlangabezana neemfuno zakho.
Ipropathi eyahlukileyo, ekwabizwa ngokuba yipropathi engeyiyo yomtshato, yiyo yonke impahla, yobuqu okanye yokwenyani, efunyenwe ngaphambi komtshato, ngexesha lomtshato ngelifa okanye isipho, ngexesha lomtshato ngeemali zepropathi ezahlukeneyo, nasemva koqhawulo-mtshato. Ukuba unepropati eyahlukileyo evelisa ingeniso, umvuzo ukwabonwa njengepropati eyahlukileyo. Impahla eyahlukanisiweyo ayinyanzelekanga ukuba yahlulwe phakathi kwamaqabane ukuba baqhawula umtshato okanye omnye wabo uyafa.
Kwimeko yobudlelwane basekhaya, ukuba amaqabane abhalisiwe ngamaqabane asekhaya, ipropati ithathwa njengehlukeneyo kuphela xa ifunyenwe ngaphambi kokubhaliswa okanye ihlawulwe ngokupheleleyo ngeemali ezifunyenwe ngaphambi kokubhaliswa. Amaqabane asekhaya asenokubandakanya uluhlu lwee-asethi zabo ezahlukeneyo kunye nesivumelwano sobudlelwane basekhaya.
Inkcazo yendawo yokuhlala yoluntu
Phantsi komthetho waseTexas, zonke ii-asethi kunye nemivuzo yamaqabane omabini afunyenwe ngexesha lomtshato zithathwa njengempahla yoluntu (impahla edibeneyo yabalingane). Akukhathaliseki nokuba ingeniso kabani na ihlawulwe okanye igama, isivumelwano, iakhawunti okanye inqaku lesithembiso, ukuba ifunyenwe phakathi komhla womtshato nomhla woqhawulo-mtshato kwaye ibingesiso isipho, ilifa okanye intlawulo yokwenzakala komntu.
Nantoni na efunyenwe ngexesha lomtshato yipropati yoluntu ngaphandle kokuba elinye iqabane linobungqina (okanye amaqabane avumelanayo) ukuba yipropati eyahlukileyo. Ipropathi eyahlukileyo yipropati phambi komtshato, okanye ipropathi efunyenwe ngexesha lomtshato njengesipho, ngelifa, okanye njengenxalenye yesivumelwano somonzakalo.
Imbuyekezo: Indlu okanye imoto ethengwe ngaphambi komtshato yimpahla eyahlukileyo. Kodwa ukuba imali-mboleko yendlu okanye yemoto yempahla eyahlukileyo yenziwa ngemali yoluntu emva komtshato, iqabane elingengomnini walo linokufuna imbuyiselo yemali esetyenziselwe ukuhlawulela impahla eyahlukileyo yelinye iqabane.
Kutheni iqabane elingabolekiyo kufuneka lisayine imali yokubambisa?
Umtshato yintsebenziswano; imanyanisa ubomi babantu ababini, amava abo kwaye, kwamanye amazwe, ii-asethi zabo. Nangona iyahluka, la mazwe anemithetho yepropathi yoluntu efuna amaqabane abelane ngobunini bezinto ezifana nomvuzo kunye nelahleko efana netyala. Nantsi into ekufuneka uyazi ukuba uhlala kwindawo yendawo yokuhlala:
Impahla yoluntu ngumthetho osetyenziswa ngamanye amazwe ukubonisa ubunini bempahla efunyenwe ngexesha lomtshato. Ke ngoko, kumazwe apho lo ngumthetho, izibini zinobunini obulinganayo nobudibeneyo be-asethi njengengeniso, ipropathi, kunye namatyala.
Imithetho yendawo yokuhlala ibandakanya kuphela impahla ethengiweyo okanye efunyenwe emtshatweni wonke. Umzekelo, ukuba iqabane lisebenzisa umvuzo walo ngamnye ukuthenga imoto, omabini amaqabane aqhubeka enaloo moto ngokulinganayo. Nangona kunjalo, oku kufikelela kuphela ekuthengeni okwenziwe ngexesha lomtshato.
Imithetho yendawo yokuhlala inabela kuphela kwipropati efunyenwe phakathi kokuqala kunye nokuphela komtshato. Ipropati efunyenwe ngaphambi kokuba umtshato uqalise okanye emva kokuqhawulwa kwayo ithathwa njengempahla eyahlukileyo. Ezi ntlobo ze-asethi zezomnini woqobo kwaye zinokubandakanya:
