Inkcazo: Phantse yonke imali ebolekiswayo yokuthenga indlu iqulethe ixabiso elisetyenziswe kwisigatshana. Andizi naziphi na izibonelelo zangaphandle ngaphandle kwesizathu sokuthengisa. Igatya elisetyenzisiweyo lokuthengisa libalulekile ukuba umninikhaya ufuna ukuthengisa ikhaya ngaphandle kokuhlawula umboleko. Igatya elisetyenziswe kwisithengiso sithengisa i-lender ekhoyo ukubiza yonke imali ehlawulwayo kwaye iyahlawulwa ukuba umninikhaya uthumele ityala ekhaya ngaphandle kokuhlawula ngokugcwele imali mboleko.
Isizathu esithengiswayo kwisigatshana esithengiswayo sithintela umninikhaya ukuba athengise phantsi komboleko ophumayo . Akuthethi ukuba abantu abazami ukwenza kodwa oko kuthetha ukuba umnini-mhlaba omtsha unokulahlekelwa yindlu xa i-lender ekhoyo ihamba phambili. Ababoleki banamalungelo athile, kunye nethemba lezenzo kunye nemali yokubhalwa kwemali ibhaliwe ngamagqwetha ngokuxhasa ababolekisi. Isizathu esithengiswayo kwisigatshana somthengiso sinye yamalungelo afumaneke kumaphepha. Unokuba ufanele ufunde iphepha eli-10 ukuze ulifumene, kodwa isigatshana esivumelekileyo sokuthengisa, esaziwa njengesiqendu sokukhawuleza , siya kubakho malunga nayo yonke imali eyenziwa emva kowe-1988.
Isampuli esenziweyo kwi-mortgage yendawo eyodwa-enye yokuhlala kwintsapho ingezansi:
Ukutshintshwa kwePropati okanye inzala ebalulekileyo kuMboleki. Ukuba yonke into okanye nayiphi na inxalenye yePropati okanye nayiphi na inzala kuyo ithengiswa okanye idluliselwe (okanye ukuba inzuzo inzuzo kuMboleki iyathengiswa okanye idluliselwe kwaye uMboleki akayena umntu wendalo) ngaphandle kwemvume ebhaliweyo ngaphambi kweLender, ifuna ukuhlawulwa ngokukhawuleza ngokugcwele zonke izibalo ezikhuselekile yilo Myalelo woKhuseleko.
Nangona kunjalo, olu khetho aluyi kutyunjwa nguMthengisi ukuba umsebenzi ungavunyelwe ngumthetho wesigqeba njengomhla weCandelo loKhuseleko.
Isizathu sokuba unomdla malunga nesigatshana esithengiswayo kuba ungayifuni umboleki ukuba afune ngokukhawuleza inzuzo, leyo umbolekisi unelungelo lokwenza. Nangona kunjalo, ehlabathini lenene, ababolekisi abavami ukubiza iitaliti ngenxa kwaye zihlawulwe ngenxa yokuba isihloko saso sithe sagqithiselwa.
Ngokukodwa ngexesha lokuthengisa kweemarike phakathi kweminyaka ka-2006 no-2011 kuba ababolekisi ngelo xesha babenelisekile ukuhlawulwa. Ababolekisi abazange bazinyamekele ngubani owamhlawulela ixesha elide ukubolekwa kwemali kungabonakali.
Ukukhawuleza namhlanje, kwaye ababolekisi banelungelo lokukhawulezisa imali mboleko xa beva ukuba ukhuseleko lwabo lunokonakaliswa. Emva koko, babolekisa umboleki emva kokugqithisa ngokupheleleyo umthengi kunye nokuqhuba ifayile ngokubhala phantsi kwaye ngubani lo mntu omtsha abangazi ukuba enze iintlawulo. Umbuzo ngaba baya kuyenza?
Ngokuqhelekileyo, isigatshana esithengiswayo esithengiswayo siyaqulunqwa xa umboleki-mboleko evakalelwa kukuba ukhuseleko lwakhe lungozini okanye ukuba umboleki ukholelwa ukuba unokukwenza imali engakumbi kwiimeko zokunyuka kwamaxabiso. Ngokomzekelo, ukuba ibhanki inokunyanzelisa ukuhlawulwa kwemali-mboleko ekhoyo, enokuthi ibe ngaphantsi kwexabiso lentengo yemarike, kwaye ke usebenzisa loo mali ukuxhaswa ngemali mboleko entsha kwizinga eliphakamileyo, kubaluleke kakhulu kwibhanki ukubiza loo mboleko ngokukhawuleza ngenxa kwaye iyahlawulwa. Oku kungashiya ababoleki bekhenkcela ukuze bahlaziywe.
Emuva kwiintsuku ezindala, njengeentsuku ezingama-1970 neye-1980, iibhanki ziza kunika izibhengezo zesikweletu ngokusemthethweni kubathengi abatsha, kodwa asiyikubona okungakumbi.
Ukuba abathengi abafanelekanga, ezi ntlobo zabathengi ziza kuzama ukuthenga loo propati ngaphandle kokukwazisa umboleki-mali, okanye ukufaka inkxaso-mali ekhoyo kwi-All Inclusive Trust Deed okanye i- Contract -Around Land Contract . Abanye basebenzise ukuthengisa okukhethwa kwindlela yokuthengisa njengendlela yokuxhaswa kwezinto zokuxhamla ukuzama ukunqanda ibanga elifanelekileyo lokuthengisa.
Eyaziwayo Njenge: icandelo lokuhlukanisa, isigatya sokukhawuleza
Umzekelo: UJohn wathengisa ikhaya lakhe kwikontraki yomhlaba, enethemba lokukhupha isigwebo esithengiswayo, kodwa umboleki-mali okhoyo ucele ukuba ahlawule umboleko wakhe okanye bekuza kubakhokhelwa.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.