Inkokhelo yeTrust ayisebenzisiweyo kuwo onke amazwe
Uninzi lwala maxwebhu luya kwenziwa ngumthengi wentengo. Ngokusayina ngaphandle kokufunda, kunokuthatha abathengi malunga neyure ukugqiba.
Nangona, rhoqo emva kwexeshana, ndiya kuhamba ngokuvala kunye nabathengi abaye bathatha ixesha lokufunda amaxwebhu, kwaye oko kuhlaziya. Kukulungele ukuchitha ixesha ukubuza imibuzo malunga nemaphepha ebingakubamba iminyaka engama-30 ukubuyisela.
Yiyiphi i-Deed of Trust?
Ukuba awuzange ufunde incwadi yokwethemba, unokuba nemibuzo malunga nayo. Emva kwakho konke, lukhuseleko lomboleko wakho. Ingumqulu obhalwe kwiirekhodi zoluntu. Isenzo senkolelo singabandakanya amaphepha amaninzi kwaye andikaze ndibone nabathengi bafunda yonke incwadi ngaphandle kwababameli abambalwa.
Ndiye ndafumanisa ukuba ngokuphindaphindiweyo xa oommeli bafumana igama ngalinye, kungenxa yokuba ummeli angakhetha ukuba atshintshe umhlathi okanye isivakalisi okanye igama, kunye nomgca ongezantsi, ongenziwanga. Ukuba umntu obolekayo ufuna imali mboleko kwilo bhanki ethile, umbolekayo uyavuma ukutyikitya isenzo senkonzo ethembekileyo phambi komboleki.
Kodwa ngokuqinisekileyo ndiyakuqonda ukuba kutheni igqwetha lingamelana neengxenye ezithile zezenzo ze-trust.
Isenzo sethemba sinamalungu amathathu:
- I-Truster, ungubani, umboleki
- I-Trasti, yinto ephethe "isihloko esingenanto okanye sezomthetho"
- Umxhamli, oyilungu kunye nemali, umboleki
I-Deed of Trust isixhobo esichazela oku kulandelayo:
- Isixa-mboleko sokuqala
- Inkcazelo yomthetho yepropati esetyenzisiweyo njengokhuseleko lomboleko
- Amaqela kwisixhobo
- Umhla wokuqalisa kunye nokukhula komboleko
- Izibonelelo zempahla kunye neemfuno
- Imali ehlawuleyo
- Iinkqubo zomthetho xa kwenzeka
- Ukukhawuleza kunye nokuqhawulwa kwamagatya
- Abagibeli, ukuba kukho na, malunga neziqendu ezifana nezohlwayo zokuhlawulwa kwangaphambili okanye imiqathango yokulungiswa kwemali yemali
Yintoni iTrasti?
Ngenxa yokuba iimali zokuhlala zingenalo i-trustee, abaninzi ababolekayo badidekile phakathi kwemali yokuthenga kunye nezenzo zokwethemba. Imisebenzi yokuthembela iqukethe umphathiswa, umntu wesithathu ozimele ozimela umboleki okanye umboleki.
- I-trustee yinkampani, ngokuqhelekileyo yinkampani yetayiti, ephethe "amandla okuthengisa" xa kwenzeka.
- I-trustee iphinda iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphindwe kwakhona.
- Xa umcimbi ungagqibekanga, i-trustee ifayile iSaziso soPhezulu; Nangona kunjalo, kwiimeko ezininzi, i-trustee iya kufaka elinye i-trustee ukuba lijongise ukuchithwa kwempahla phantsi kolawulo lweTrasti.
- Emva kweentsuku ezingama-90 kwiirekhodi zikawonkewonke, kunye nexesha lokushicilelwa kweentsuku ezingama-21 kwiphepha eliphambili lokuhambisa, i-trustee inamandla okuthengisa eso sakhiwo kumanyathelo enkundla ngaphandle kwenkundla yenkundla.
- Ngethuba leenyanga ezintathu emva kokurekhodwa kweSaziso soPhepha , umboleki uya kuhlawulela ipropati ngokwenza iintlawulo zembuyiselo kunye nokuhlawula iintlawulo zomphathiswa.
- Xa umphathiswa uthengisa ipropati yokuthengiswa kweTrasti, okokugqibela.
Yisiphi iNgcaciso yeSithembiso?
Nangona isenzo sokuthembela sisigxina se-matyala, esilondolozwe yipropati, inqaku lesigxina ligcinwe ngumthetho wethemba, obungqina bentyala.
- Inqaku lesithembiso liyisithembiso sokuhlawula, sisayinwe ngumbolekayo ngenxa yomboleki.
- Iqulethe imiqathango yemboleko njengenqanaba lomdla kunye nezibophelelo zokuhlawula.
- Incwadana yokuthengisa ayibhalwanga.
- Xa umboleko uhlawulwa, inqaku lesigxina libhalwe "lihlawulwa ngokugcwele" kwaye libuyiselwe kumboleki, kunye neRekhodi yokuThumela iReymentance .
- Ngethuba lexesha le mboleko, umboleki-mboleko ugcina inqaku lesithembiso. Kuze kubekho umboleko ohlawulwayo, umbolekayo unakho ikopi kuphela kwiirekhodi zakhe.
Ngaphambi kokusayina iNqaku lokuThengisa kunye neNyathelo leTrust
Funda zombini amaxwebhu, kubandakanywa iziqendu eziprintiweyo. Unokucela ukuba usondele ekuthumelele isenzo esingenanto sethemba kunye nenqaku lokumisela ngaphambili. Ngenxa yokuba ama-preparate ngabantu kwaye angenza iimpazamo, zizinto ezibalulekileyo ezihlolisayo:
- Igama lopelo lwabaxhasi
- Umyinge omkhulu we mboleko
- Inzala yomdla (kunye nomgibeli, ukuba uhlengahlengiso)
- Imali yentlawulo
- Izigwebo zokuhlawulwa kwangaphambili, ukuba zikhona
- Idilesi yepropati
Kwakhona, ungasebenzisi umboleki othile ngenxa yokuba ufuna ukuhlawulwa kwemali mboleko kweso sibolekisi. Ubungakanani umbolekiso wakho uya kuthi uthengiswe kungekudala emva kokuvala kwiimarike zentengiselwano yesibini.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.