Isimo ngasinye siyingqayizivele yokuNcedisa kwiRhafu yokuThengiswa kweMfutshane
NguYulian Block , ugqwetha
Ukuba ukhangele ukuhlawulelwa kwentlawulo emfutshane yentengiso, kungekhona bonke abathengisi baya kuba nelungelo lokuxolelwa kwemali emva kokuthengisa okufutshane. Nangona kunjalo, utshintsho oluphambili kwikhowudi yerhafu lunceda izigidi zabathengisi basekhaya abahlawulwa ngaphezulu kwiimali zokubolekwa kwemali kuneendawo zabo zokuhlala. Aba bathengisi banokulingana okungafanelekanga - imeko eyaziwa njenge-colloquially njenge-downside okanye phantsi kwamanzi. Umthetho ohamba kwiincwadi ekuqaleni kuka-2007 unceda kakhulu abanye abahlaselayo kwaye akwenzeki nakubanye.
UMthetho woNcedo lokuTyala lokuTyala lokuTyala
Yile ndlela ikhefu elisebenza ngayo. Mhlawumbi uSela uthengisa ukuhlala kwakhe kwithengiso elincinci le -okeyed elifake i-lka-okayed elifutshane elithintela inxalenye engenakuhlawulwa kwayo. Okanye kuthetha ukuba inkampani yokubolekisa ihamba phambili kwindawo yokuhlala, kwaye iyayithengisa kwaye ikhansele inxalenye yetyala lakhe. Ngokuqhelekileyo, ikhowudi yerhafu idinga ukuba uSela abuke imali okanye ixoxwe ngokupheleleyo kwifomu yakhe ye-1040. Hayi kwakhona. UMthetho Wokuxhaswa Kwetyala Lokuxolelwa Kwemali ka-2007 uqulethe umqathango ovumela ukuba abathengisi bekhaya bathande i-Sela ukuba bangabandakanyi i-$ 2,000,000 yamatyala axoshiwe.
I-Sela ingabandakanyi (i-sidesteps) irhafu kuphela xa eyanelisa imigaqo emibini:
- Inkokhelo yokubolekwa kwakhe kwindlu yakhe eyintloko, oku kuthetha indawo ahlala kuyo uninzi kunyaka.
- Ufaka ityala lokuthenga, ukwakha okanye ukuphucula kakhulu indawo yokuhlala yakhe enqununu.
Isidleko esicatshulwayo ngokuthengiswa okufutshane
Akukho sikhokelo kwiingxowa-mboleko zokulingana zasekhaya ze-Sela okanye ukuhlawulwa kwemali- mboleko yokuthenga imali , ngaphandle kwendlela esebenzisa ngayo imali yokuphucula.
Olunye uxwebhu olulungileyo luyakwenqabela ukukhutshwa xa ababolekisi bakhe bexolela amatyala kwizindlu zeholide kunye namanye amakhaya asemibini okanye izakhiwo zokuqashisa .
Imithetho emide imele ifune ukuba abantu abanetyala baxelele zonke iimali ezixolelwe kwiifom zabo eziyi-1040, ezifana neentlawulo ezivela kwimirholo okanye utyalo-mali. Imirhumo yangaphakathi yeNkonzo yeeRevenue zithethelelwe izixa zemivuzo eqhelekileyo kwimithombo efana nemirholo.
Ezinye iintlawulo ezixolelwe zilahla intela. Umthetho ucacisa okungafaniyo okuqingqiweyo. Ziquka ukuphazamiseka kwemali kunye nokungahlawulwanga.
Ukungahlawulwanga kwiRhafu yeTyala eCaleni
Ngaphandle kwenkqubo eyenziwa ngo-2007 inzuzo abantu abahlawulwa ngamatyala okanye bachithwa ngamalungiselelo ayaziwa ngokuthi:
- Ukutshintshwa kwemali
- Ngaphambili
- Izenzo endaweni yokuchithwa
- Ukuthengisa okufutshane
Eli nqanaba lokugqibela lixesha lomnini-ovunyelwe ngetyala-uthengisa ngentengo yentengiso yentengiso (intengo yokuthengisa engaphantsi kwemali yokunciphisa imirhumo yomthetho, ikhomishana yomthengisi kunye nezinye iindleko) ezingenakulungele ukuhlawula zonke iitalato ezihlawulwe.
Ngoluhlu lwentlawulo, ukukhutshwa kwintlawulo yenkcitho evela ekukhutshweni kwe-QPRI, ukufutshane nokuhlawulwa kwetyala lokuhlala. Oku kuthetha ukuba imali ekhishwe ngabanini ukuthenga, ukwakha, okanye ukuphucula kakhulu iindawo zokuhlala eziphambili. Kwaye iindawo zokuhlala ziyimfihlo yamatyala.
Kukho ukukhutshwa kwetyala ngokunciphisa ukulungiswa kwemali, kunye netyala elisebenzisa ukulungiswa kweQPRI. Apha, kukho ukukhulula, kodwa kuphela ukufikelela kwinani le-old mortgage head, ngaphambi nje kokucoca.
Enye imithintelo kukuba ukukhutshwa akuncedi abanini bekhaya abazisebenzisayo ukuqhutyelwa kwexabiso lokuthengiswa kwezindlu, ukuba bangayisebenzisi imali yokulungiswa kwezibonelelo zabo zokuqala. Kunoko, basebenzise imali yokuhlawula izikwereti zamakhadi-kredithi , iintlawulo zokufundiswa, iindleko zonyango, okanye ezinye iindleko.
Ukuhlawulwa kweerhafu kwiityala ezichithweyo ukuthengiswa okufutshane akusebenzi kwimeko yaseCalifornia, phantsi kweemeko ezininzi, ngenxa yeCalifornia Code Code Civil Code 580e. Indlela yokufikelela kwikotshane yaseCalifornia iyingqayizivele kwimithetho elawula ukuthengisa okufutshane kwezinye iindawo. Ingxenye yokhuseleko ngenxa yebhanki ayivunyelwe ukuphandelela abadayisi emva kokuvala ukusilela.
Ngaphezulu, nceda uqaphele ukuba ukuhlawulwa kwetyala akukona nje umbandela. Umele uhlolisise kunye nelizwe lakho ukuba ufumane iimeko zokuhlawulwa kweerhafu ezisebenza kwimeko yakho. Ngokomzekelo, iBhodi yeRhafu yeFranchise ikhishwe ileta eCalifornia ikhulula abaninzi abanini.
Akukho nkontileka yeNgqungquthela iya kuqhubeka nokwandisa uMthetho wokuXhaswa kweMatyala okuTyala, nangona kukho ibhilikhwe elindele ukunyusa ngo-2018.
UJulian Block ngummeli weerhafu eLarchmont, NY
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.
Ehleliwe ngu-Elizabeth Weintraub, iThengi lokuThengwa kweNdlu