Kutheni i-Mortgage Notaries ixabisa kangaka?
Ukufumana uxwebhu olungagqityiweyo, unokufuna ukuhlawula imali ephantsi. Ezi ntlawulo zihlala zixhomekeka apho ufumene khona uxwebhu oluphawulweyo luchaza iirhafu ezivumelekileyo, kwaye i-notaries inokuhlawula nayiphi na imali ukuya phezulu. Akunakuhlawulisa nto nhlobo.
IiNkcazo zemali
Imirhumo ye-notarial standard isoloko iphakathi kwe-$ 2 ne-20 yeesayinari nganye, kodwa ukuvalwa kwemithwalo yokubolekwa kwempahla ngokuqhelekileyo kubiza kakhulu.
Iifowari zeefowuni zivumelekile ukuba zihlawulise iintlawulo ezongezelelweyo zokwenza uhambo oluya endaweni yakho, kodwa ezinye zibeka umda wokunciphisa umrhumo omkhulu wokuhamba. Kwiimeko ezininzi, loo mida iphantsi kakhulu, kodwa kuzo zonke iimeko, iindleko kufuneka zibe "ezinengqiqo." Ngaphambi kokucela ukutyelelwa kwincwadi yenkcazo yomnxeba, fumana malunga nayiphi na iindleko zokuhamba ukuphepha.
UkuSayina kweMali yokuThengisa imali
Imali-mboleko yasekhaya, njengemali-mboleko yokuthenga, ukulungiswa kwemali , nokubuyiswa kwemali- mboleko, iifayili zemali-mboleko ozibonayo kumaxwebhu okudalula zihlala ziphezulu kakhulu kunamacala amaninzi karhulumente. Umzekelo, unokubona umrhumo wenkcazo engaphezulu kwama-$ 100.
Ngaba abo baqapheliyo baphula umthetho? Kwiimeko ezininzi, azinjalo. Iinkonzo zokutyikitya zemali ziquka okungaphezulu nje kokuphawula isayineli yakho. Okongeziweyo, unobhala wenkonzo unokukwazi ukuhlawulisa ngesayineli-kungekhona nje ukutyelela.
Ukuvala imboleko yemboleko yempahla kaninzi kuthatha iyure yenkcazo yenkcazo, kwaye umanothi unokwenza uprinte kwaye ulungiselele amaxwebhu aze akhokhe ezinye iindleko.
Ngamanye amaxesha, umqapheli akafumani neepesenti ezingama-100 zomrhumo ophawulayo ohlawulayo.
Ukuba unemibuzo malunga nemirhumo ephathelene nemboleko yakho, cela umthengi wakho wemali okanye ummeli wokuvala.
Unokwazi ukugcina imali ngokusebenzisa i-notary eyahlukileyo.
Iindlela zokugcina imali
Kwiimeko ezininzi, ezifana nokuvala umboleko wempahla, awunayo nayiphi na indlela yokulawula ukuba uhlawula phi inkokhelo yeenkonzo zengcaciso. Lezo ziimeko ziqheleke ukuba zenzeke-ngaphandle kokuba uthenge kwaye uthengise amakhaya rhoqo. Ngaphezulu kwexesha lakho lobomi, awuyi kubona ukugcinwa okunokubaluleka kwindleko zokukhawuleza.
Nangona kunjalo, ukuba ufuna rhoqo amaxwebhu angabonakaliyo, kulungile ukunciphisa iindleko. Esikhundleni sokukhangela i-notaries kwiindawo eziqhelekileyo (ezifana neebhanki, iiyunivesithi, iivenkile zokubonelela ngeofisi kunye nezitolo zokuthumela), unokwenza ngcono kwenye indawo. Usenokukwazi ukufumana amaxwebhu angabonakaliyo ngexabiso eliphantsi ngaphandle kweeyure zoshishino eziqhelekileyo ngumntu owenza izenzo ezingabonakaliyo ngosuku.
U ho ungumbhali? Usenokumangaliswa. Buza ngeenxa zonke, kwaye unokufumana ukuba abahlobo, intsapho kunye nabasebenzi abasebenzisana nabo bafumanekile ukuba baqaphele amaxwebhu. Basenokuze bazimisele ukukhupha yonke imali.
Amabhanki kunye neemanyano zeentengo zemali: amaziko emali amaninzi atshabalalisa amaxwebhu kubathengi ngaphandle kokuhlawulwa. Ukuba kulungele uhambo oluya kwisebe lakho , ungasindisa amabhaksi ambalwa. Iibhanki zihlawulisa abangengabathengi kwiinkonzo zengcali.
Iiofisi zikaRhulumente: Unokufumana kwakhona unonariya kwiiofisi zokunyanzeliswa komthetho, njengesebe lomphathi wendawo okanye iofisi kunye neeofisi.
Umnothi wendlu: Ukuba uhlala ufuna iinkonzo zenkcazo, kunokufanelekile ukuba unobhala wencwadi yakho okanye ube yedwa. Awuvunyelwe ukuba utyhawule isayinwe sakho, kodwa unakho ukuhlawula isitifiketi somnye umntu. Ngokomzekelo, unokugubungela iindleko zomqeshwa okanye umqeshwa osebenza naye ukuba abe ngu-notary public.
Izinto ezingabandakanywa kwiNtlawulo
Iinkonzo zononophelo zivame ukuqondwa kakuhle. Umsebenzi oyintloko wokunokwenziwa komsebenzi ukuqinisekisa ukuba ngubani na umntu osayina idokethi, kwaye ukuqinisekisa ukuba umntu ngamnye ufuna ngokwenene ukungena kwisivumelwano. Nangona kunjalo, i-notary ayifuni ukufunda izivumelwano. Kwakhona akukho-notary public akwenza isigwebo sokuba ingaba umqulu awusemthethweni-okanye nokuba yinto enobulungisa kuyo yonke imibutho. Kwizo nkonzo, qhagamshelana nommeli wendawo.
Ukuhlawula iiNkcazo zeeNkcazo
Imali evela kwimirhumo yenkcazo yenkcazo ngokuqhelekileyo ithathwa njengengeniso kwiinjongo zerhafu yengeniso, kodwa jonga umcebisi wakho weerhafu ukuqinisekisa ukuba kufuneka usebenze njani iirhafu ozihlawulisayo njengomanothi.
Kwiimeko ezininzi, inani lemali engenayo ongayifumana ngonyaka alaneleyo ukwenza ubomi. Kunoko, iinkonzo zenkcazo zihlala zibonelelwa ngeenkonzo ezongezelelweyo. Ngokomzekelo, ibhanki inokubonelela ngenkonzo yenkcazo ngokungezelela kwezinye iinkonzo zebhanki, kwaye ukuba yinkcazo yoluntu yenza ukuba ube ngumsebenzi obaluleke ngakumbi.
Ukuba uye waxhaswa
Uninzi lwabaqapheli baqaphela kakuhle imali ephezulu, kwaye bahlawula oko kuvunyelwe. Nangona kunjalo, akusizwanga ukuba unobhala wencwadi i-overary (engabulumko, ucinge ngemiphumo).
Ukuba oko kwenzeka kuwe, cela unobhala wenkokhelo ukuba ziphi iindleko ezivumelekileyo ezisemgangathweni wakho, fumana irisidi edibeneyo, kwaye uqinisekise ukuba uhlawula intengo efanelekileyo. Ukuba awukwaneliseki oko ubonayo, qhagamshelana ne-arhente yakho yombuso ephethe iincwadi zeenariji. Qala ngeofisi yeNobhala kaRhulumente ukuba awukwazi ukuba ngubani ozakuqhagamshelana naye.