Ukuqonda Ubunini bePropati - IsiKhokelo esiNene kuCwangciso lweZakhiwo eziHle
Nangona ukucwangciswa kweendawo eziqhelekileyo kungaba yinkqubo enzima kunye neenkalo ezininzi ezinokuqwalaselwa kunye nezigqibo ezenziweyo, ixesha kunye nangoko ndifumanisa ukuba zonke zihamba nje ngokubilisa kwiindawo eziqhelekileyo - ukuba ipropati ibizwa njani . Ukuqonda ukuba ngubani onokhiye oyintloko wokwakha isicwangciso sezinto ezilungileyo , kuba ngaphandle kwepropati ebizwa ngokuba yilindeleke, isicwangciso sefa esona sisisigxina kunye nesicatshulwa kakuhle siya kuphumelela.
Ukuqonda Ubunini beZakhiwo
Xa ummeli wezocwangciso zezindlu udibana nomthengi omtsha, omnye wemibandela yokuqala ummeli abuza ukuba "Unobani kwaye ubizwa njani?" Kodwa yintoni kanye ummeli uthetha ngalo mbuzo? Indlela elula kakhulu yokuyiqonda kukuphulaphula indlela ipropati ebizwa ngayo kwiingongoma ezintathu ezisisiseko:
- Ubunini bodwa
- Ubunikazi obumbeneyo
- isihloko ngesivumelwano
Lezi zindlela ezintathu kuphela zepropati ezinokuthi zibizwe, kwaye ke unokumangaliswa ukuba baninzi abathengi bezocwangciso zezocwangciso basebenzisana nabo abangazi kakuhle ukuba zonke iimpahla zabo zibizwa njani. Nantsi umboniso omfutshane wohlobo ngalunye lobunikazi bomhlaba:
Ubunini obunobunye - Ubunini bomhlaba obuthile bubuthetha nje ukuba buphantsi komntu omnye kwigama lakhe kwaye ngaphandle kokudluliselwa ekutyunjweni kokufa . Imizekelo ibandakanya iibhanki zebhanki kunye neengxelo zokutyalomali ezigcinwe kwigama lomntu omnye ngaphandle kokuba " zihlawulwe ngokufa ," " ukudluliselwa ekufeni ," okanye "kwi-trust" yegama, okanye ifa elibizwa ngegama lomntu omnye "kwimali elula, "oku kuthetha ukuba umntu unayo i-100% yepropati egameni lakhe elilodwa ngaphandle kokusalela kudluliselwa komnye umntu emva kokufa komntu.
Ubunini obudibeneyo - Ubunikazi obuhlanganisiweyo buvela kwiifom ezimbini, ngamalungelo okusinda kwaye ngaphandle kwamalungelo okusinda .
- Ubunikazi obuhlangeneyo kunye namalungelo okusinda kuthetha ukuba abantu ababini okanye ngaphezulu banayo i-akhawunti okanye i-estate kunye kunye emva kokufa komnini omnye, umnini-salo oseleyo uya kuhlala enomhlaba. " Inkxaso ngokubanzi " luhlobo oluthile lobulungu obambene kunye namalungelo okusinda phakathi kwezibini ezitshatileyo eziqatshelwa kwamanye amazwe, ngelixa " ipropati yoluntu " yinto enye ekhethekileyo yobunini bobambiswano phakathi kwezibini ezitshatileyo ezibonwa kwamanye amazwe.
- Ubunikazi obuhlangeneyo ngaphandle kwamalungelo okusinda kuthetha ukuba abantu ababini okanye ngaphezulu banayo ipesenti ethile ye-akhawunti okanye i-real estate, njengomntu oyedwa ophethe i-80% kunye nesibini umntu ophethe i-20%. Ubunikazi bomhlaba obunamalungelo ngaphandle kobomi bokusinda bubizwa ngokuba ngumnikazi wepropati " ngabaqeshi abafanayo ."
Isihloko ngekhontrakthi - Isihloko ngekhontrakthi sibhekisela kwipropati enelungelo lokufumana ipropathi emva kokufa komnini, kubandakanya iibhanki zebhanki okanye ii-akhawunti zokutyalomali " ezihlawulwa ngokufa ," " ukudluliselwa ekufeni " okanye "ekuthetheni" oxhamliweyo; inshorensi yobomi enomntu oxhamliweyo; i-akhawunti yomhlalaphantsi, kuquka i-IRAs, 401 (k) kunye neminyaka ehlawulwayo enomntu oxhamliweyo; iindawo zokuphila ezinesithuba esinqununu; ukudluliselwa ekufeni okanye kwizenzo ezixhamliweyo; kunye nethemba elinikezelwa ngumxhamli.
Ukuqonda apho ipropati iya kuhamba emva kokufa
Emva kokuba uqonda ezi zintathu iintlobo zobunini bepropati, kuya kufuneka uqikelele ukuba ngubani oza kuzuza ilifa lemihlaba nganye emva kokuba umnini afe. Ngaloo ndlela, ipropati inokujongwa ngeendlela ezimbini: iimpahla eziphathekayo kunye nempahla engeyiyo .
Impahla yeprobate yileyo kuphela - iimpahla eziya kudingeka ukuba zihambe kwi- probate evezwe yinkantolo emva kokufa komnini. Ngamanye amagama, emva kokufa komnini, indlela yodwa yokufumana i-asethi ngaphandle kwegama lomnini-fileyo kunye negama lomnini-mali oyifileyo liza kuthatha i-asethi ngokucwangcisa. Ipropati yezinto ezibandakanya ipropati yecandelo lobunini kunye nabanikazi bendawo kwindawo efanayo (okanye ipropati ehlanganisiweyo ngaphandle kwamalungelo okusinda).
Iimpahla ezingekho phantsi kweengxaki ziphela - i-asethi ezingasidingi ukuhamba kwi-probate igadiweyo emva kokuba umnini afe. Ngamanye amagama, emva kokufa komnini, abanye abanikazi okanye abaxhamli baya kuthatha ulawulo lwepropati yomnini-fileyo ngenxa yokuba basinda kumnikazi oshonile. Iimpahla ezingenamthetho zibandakanya ipropati esebenzisana ngokubambisana namalungelo okuhlala (kuquka ukuqeshwa kwipropati yonke kunye nepropati ethile yoluntu) kunye naluphina uhlobo lwe-asethi elunelungelo lokufumana ifa leempahla emva kokufa komnini.
Ukuqonda oku kwenzekayo kwii-Asset ezihamba ngeProbate
Ngoko ke, phi ixabiso eliyifumanayo emva kokuba umnini afe? Oku kuya kuxhomekeka ekubeni umnini unayo, okanye akanalo, umnqweno wokugqibela kunye nomyalelo. Ukuba umnini unayo intando, ngubani oza kudla ilifa lempahla ye-probate yomnini uya kuqulunqwa yintando. Ukuba umnini akanakho ukuthanda, ngubani na oza kudla ilifa lempahla engenakulungiswayo kumnini-mali uya kugqitywa ngumthetho we- intestate yombuso apho umnini ahlala khona ngexesha lokufa kunye nemithetho yokunyameka kwanoma yiphina indawo apho umnini izindlu ezithengiswayo.
Ukuyibeka Konke
Ngoku ukuba uqonda ezintathu iintlobo zobunini bepropati kunye nokwahlukana phakathi kweengxaki kunye nezinto ezingenakuphikelela, unokuqonda ukuba kutheni kubaluleke kakhulu kummeli wakho wokuceba umhlaba ukuba wazi kakuhle ukuba yonke impahla yakho ibizwa njani. Ngaphandle kwalolu hlobo olubalulekileyo lwengcaciso, ugqwetha lakho lokuceba i-estate alinakukunceda wenze isicwangciso sezinto eziza kusebenza ngendlela okulindele ukuba isebenze ngayo. Ngaphandle kokuqwalasela ukuba ngubani onokwenzayo, uya kushiywa ngesicwangciso somhlaba esiya kudibanisa abathandekayo bakho kwaye mhlawumbi ubenze kwindawo enkundleni. Ingaba ummeli wakho wecebo lomhlaba uyamthanda kwaye uya kuhamba nganye yezinto zakho kwaye ubhale phantsi ngubani ophetheyo kwaye, ukuba kukho, ngubani na onoxanduva, ukuba xa ungenzi oko ngaphambi kokudibana nommeli wakho, ngoko okanye ngokuqinisekileyo uya kukuthuma ekhaya ukukwenza.