Ingakanani Ummeli Wakho Oya kuhlawulwa?

by Julie Garber

Ukuhlawulwa kweeNkonzo ezinikezelweyo

Ukuba unyuliwe ukuba usebenze njengommeli woBuntu , obizwa ngokuba nguMlawuli okanye uMlawuli okanye i-Executrix, yelifa, ngoko ke kwiimeko ezininzi, uya kuba nelungelo lokuhlawulwa kwiinkonzo ozibonelela egameni lefa. Unokufumana phi kwaye xa uza kuyifumana kuxhomekeke kwizinto ezininzi.

01 Ngaba ikhefu elimisiweyo liyi-Will and Testament?

Ukuba umntu oswelekileyo usweleka eshiya i- Final Will and Testament , okokuqala, kufuneka ukuhlaziywa ngokugqithiseleyo ukukhangela naluphi na ukhokelo malunga nokuba ummeli woBuntu makahlawulwe. Abanye abantu bakhetha ukukhawulela imirhumo kwixabiso elithile leedola, ngelixa abanye bakhetha ukuvumela ukuhlawulwa kwemirhumo efanelekileyo esekelwe kumthetho welizwe osebenzayo. Sekunjalo, abanye bayishiya ummeli wabo wobuqu kunokuba bavumele ukuba baqoke umrhumo, onika inzuzo yerhafu yengeniso kuMmeli woBuntu ukususela ekufunyaneni ukungahlawuliseki kodwa iimali zihlawulwa njengemali engenayo. Ukuba umntu oswelekileyo uyafa ngaphandle kokushiya Intando yokugqibela, ngoko umthetho welizwe uya kulawula umrhumo lowo ummeli woBuntu uza kuba nelungelo lokufumana.

02 Luhlobo luni lwemali yoMmeli wobuNtu luchaza umthetho?

Ezinye iincwadi zibonelela ngemithetho ethile yemali ehlawulwayo kuMmeli Wakho. Kule mihlaba, umrhumo ubalwa ngokuphindaphinda ixabiso elipheleleyo lolawulo lweengxaki ngamaphesenti athile, kwaye njengoko inani elixabisekileyo likhuphula ipesenti. Umzekelo, e-California umrhumo ulingana no-4% we-$ 100,000 yokuqala, i-3% ye-$ 100,000 elandelayo, i-2% ye-$ 800,000 ezayo, i-1% yezigidi ezizayo ezi-9, i-1/2% yezigidi ezizayo ze-15 yezigidi, kwaye inani elifanelekileyo elinqunywe yinkantolo kwiindawo ezingaphezu kwezigidi ezingama-25 zezigidi. Kwamanye amazwe, yonke imali ishiyelwe ukuba ibekwe kwi-inkundla yecala le-probate malunga nokuba yiyiphi "intlawulo efanelekileyo." Kule mihlaba, inkundla zengxaki zihlala zikhupha izikhokelo zengingqi ngeemfuno ezifanelekileyo.

03 Ngaba Ummeli Wezakhe Ufanelekile "umrhumo ongaqhelekanga?"

Kwimimandla apho umrhumo woMmeli woBuntu usekwe ngumthetho karhulumente kwipesenti ethile yexabiso lempahla, kodwa uMmeli woBuntu okanye uMenzi weNkundla uya kuba nelungelo lokufumana imali eyongezelelweyo kwiinkonzo ezinikezelwe ngasentla naphaya kweenkonzo eziqhelekileyo. Iinkonzo ezingaphezulu zibandakanya ukujongana nokuthengiswa kwendawo yokuhlala kunye nepropati yomntu ; ukuqhuba amacala egameni lefa; ukukhusela amacala okulwa nefa; ukubandakanyeka kwiingxabano zerhafu kunye neenkqubo; kwaye uqhubeke nomsebenzi wezolimo.

04 Ngaba kukho omnye ummeli woBuntu?

Ukuba kukho omnye ummeli woBuntu kunye neNkcazo yokugqibela ayithe cwaka malunga nokuba ngamnye uya kuhlawulwa njani, ngoko umthetho woburhulumente uya kutyhola imirhumo ehlawulwa nganye kwi-fiduciary. Kwamanye amazwe, imithetho ifuna ukuba ama-fiduciaries amaninzi kufuneka ahlule umrhumo ngokulinganayo, ngelixa kwezinye iinjongo zodwa ziyakubutha ixabiso elipheleleyo eliza kuba nelungelo lokufumana i-fiduciary eyodwa.

05 Ngaba uMmeli woBuntu iziko?

Ukuba uMmeli woBuntu yiziko elifana nebhanki okanye inkampani ethembekileyo , jonga ukujonga ukuba ngaba uMgqibelo uza kuchaza ukuba i-trust fiduciary inelungelo lokufumana intlawulo ngokuhambelana neshedyuli yentlawulo epapashwe ngomhla wokufa komntu osemthethweni. Ezi shedyuli yemirhumo zifana nemithetho karhulumente ebala intlawulo yommeli woBuntu njengepesenti yexabiso lexabiso elibi. Ukuba iNtsuku yokugqibela iyathula kulo mbandela, ngoko umthetho womthetho uya kutyundela umrhumo weziko.

06 Ngaba uMmeli Wezakho naye ungummeli wefa?

Kule meko, jonga ukujonga ukuba i-Last Will iza kuhlawula iifizi ezifuneka zihlawulwe kummeli osebenzayo njengommeli wobuqu. Ngamanye amaxesha uMvavyili kunye nommeli uya kungena kwisivumelwano esibhaliweyo xa kuqhutywa okokugqibela okuya kuhlawulwa yiphi na inxephezelo. Ukuba uMyalelo Wokugqibela ungathuli kulo mbandela, ngoko umyalelo womthetho uya kululela ukuba ngaba ummeli angakuqokelela imali kunye noMmeli welifa.

07 Ngaba abaNcedo baVunyelwene neMali yoMmeli woBuntu?

Kungakhathaliseki ukuba yiyiphi iVeki yokugqibela kunye neTestamente esithethayo okanye yintoni na umthetho welizwe onikezelayo, ngamanye amaxesha abaxhamli bezindlu kunye noMmeli woBuntu uza kufumana isivumelwano esivumelwaneni malunga nokuba luya kuhlawulwa kangakanani na ummeli wakhe. Oku kungenzeka ekuqaleni kwenkqubo yokulawula okanye ukufikelela ekupheleni xa ilifa lilungele ukuvalwa.

08 Yintoni uMmeli Wezakhe ezihlawulwe kwi-pocket?

Ukuba uMmeli Wezakhe uhlawule nantoni na ngaphandle kwesikhwama sakhe, ngoko uMmeli woBuntu uza kuba nelungelo lokubuyiselwa ezi ndleko. Iindleko zesikhwama zingabandakanya iindleko eza kufuneka zihlawulwe ngaphambi kokuba i-estate ivule, njengogqirha kunye nemingcwabo yemingcwabo, izibonelelo, iirhafu zepropati, i-inshorensi kunye nemali yokugcina. Ngaphandle kwalokhu, iindleko zokuhamba kunye ne-mileage ezenzekayo ngelixa ukulawula ifa kunye neendawo zokubonelela ngeefowuni kunye nokuthunyelwa kweefowuni kuya kubuyiselwa kwakhona.

Ngethuba nini uMmeli woBuntu uza kufumana intlawulo?

Iindleko zeefowuni zibuyiselwa ngexesha lolawulo lwezindlu. Kwamanye amazwe, iintlawulo ezihlawulwe kwi-Representative yomuntu, zombini eziqhelekileyo kunye ezingavamile, zingahlawulwa naliphi na ixesha ngexesha lolawulo ngaphandle komyalelo wenkundla. Kodwa nakule mimandla, abaxhamli banokucela ukuhla kweentlawulo ezikhokhelwe ukuba ijaji ye-probate inquma ukuba iirhafu zazingekho ezifanelekileyo kwiinkonzo ezinikezelweyo. Kwamanye amazwe, umrhumo woMmeli woBuntu unokuhlawulwa kuphela emva kweentetho zenkundla. Nangona kunjalo, imfuno yokuphulaphula inkundla ingahlawulwa ukuba bonke abaxhamli baxelelwe ngemirhumo ehlawulwayo kwaye batyikitywe imvume yokugunyazisa inkokhelo ngaphandle kokuvunyelwa kwejaji.