Ukuqonda iNdima yeeNgqungquthela kwi-Real Estate
Inkcazo yokukhunjulwa: Ingqungquthela, njengoko ibhekiselele kwi-estate, ithetha nayiphi na into esemthethweni enomthwalo okanye ekuthintela ukusebenzisa okanye ukudluliselwa kwipropati. Ipropati ehlawulekayo kunye nokucaca kuyo nayiphi na i-encumbrances ayinqabile kwiibonda ezininzi zezindlu. Ingqungquthela ingaba yinto yokubolekwa kwemali (mboleko), i-lien (ngokuzithandela okanye ngokungenakuzibandakanya) ukuhlanjululwa okanye ukuthintela ukukhutshwa kwetayitile. Ukudibanisa kunokubandakanya imali, kodwa kungekho rhoqo.
Izwi endikhulile kunye nalo lilandelayo: zonke izibilini ziyi-encumbrances, kodwa akuzona zonke i-encumbrances eziyingozi. Udidekile okwamanje?
Inkokhelo yeTrust okanye i-Mortgage njengeNgcoliseko
Uninzi lwabantu lucinga ngokungathandabuzekiyo ukukhankanya kubhekisela kuphela kwimithwalo yemboleko, umzekelo, kuba oko kusetshenziswe ngokuqhelekileyo. Xa umthengi wekhaya ehlawula ukuthengwa kwekhaya, ukuba ukuqinisekiswa kwezemali kubandakanywa ngamaphepha amabini: inqaku lesithembiso, enyanzelekile ukuhlawula, kunye ne-mortgage okanye yezenzo zokwethemba , okugcina i-note kwaye ibhaliwe. Imboleko yemali iyahluke kakhulu kunomsebenzi wokuthembela kodwa ngeenjongo zethu zokusebenza, bobabini bayisigxina.
Xa umboleko okanye umsebenzi wethemba uthe wahlawulelwa, ukukhutshwa kususwe kwipropati kwiirekhodi zikawonkewonke. Umqulu oqhelekileyo ukususa ukukhunjulwa kubizwa ngokuba ngumsebenzi wokubuyisana , ohlaziya umxholo ocacileyo kumnini wepropati.
Ingxaki eyenzekayo xa i-mortgage okanye i-trust of trust ithe yachithwa ngokuvalelwa kwe- bankruptcy kodwa umboleko awusoze wakhululwa ngokusemthethweni kwipropati.
Akunabo bonke abameli bebhanki abakwenzayo ii-estate kwaye abanye abaqondi ukuba iSahluko sesi-7, ngokukodwa, asiyikukhupha ityala kwaye, ukuba bayayazi kwinqanaba elithile, ngokuqhelekileyo abathengi babo abafuni ukuhlawula imali eyongezelelweyo ukuze bafumane ukukhululwa le ngqungquthela. Olu lwazi lunokubangela ifu kwisihloko ukuba ingakhange ikhishwe.
Iziganeko zokuzithandela njengento yokukhunjulwa
I-link yokuzithandela yincwadi ekhutshwa ngumnini ngokuzithandela kwaye ibhalwa ngokubanzi malunga nepropati yoluntu. Ingaba yintengiso ekutshintshisweni kwemali ishintsha izandla njengesibolekiso sesibini okanye umgca wokulinganisa ikhaya lekhredithi okanye ukuhlaziywa kwezimali ezikhoyo.
Kwezinye iimeko, ezifana nomgca wekhredithi, akukho nto ingabikho ukutshintshiselana kwemali ade umnini-mali aphephe umgca wekhredithi, oko kukuthi, uboleka imali. Xa amaxabiso enzala aphantsi kakhulu, ndakhe ndakhangela umgca wekhredithi kwaye ndagcina loo mgca wekhredithi evula iminyaka engama-7 engazange ndiyichukumise. Ndayiphatha njengomthombo wesimo esiphuthumayo, ngaba ndimele ndiyidinga. Ekugqibeleni, ndavala i-akhawunti ngaphandle kokusebenzisa imali. Kodwa mna nomyeni wam sasifuna ukurekhoda ukukhutshwa kwelo bhokisi.
Iziganeko ezingabonakaliyo njengeNkohlakalo
Iintlobo ezimbini zezibambiso ezingabonakaliyo eziqhelekileyo kwaye ziza kusengqondweni yam ziyi-lis pendens kunye ne-mechanic's link. Ngokungazibandakanyeki, kuthetha ukuba umninikhaya akazange avume ukuba loo ngxelo ingafakwa kwipropathi kodwa i-lien yabonakala. I-Lis pendens yindlela ekhethekileyo yokuthetha isenzo somthetho esilindile. Yithi, umzekelo, ukuba umthengisi uvumelekile ukuthengisa kumthengi kodwa umthengi, nangona isiphi isizathu, akakwazanga ukuvala ngexesha, ngoko umdayisi wayicima isivumelwano kunye ne-unilaterally, ngaphandle kwemvume yomthengi.
Ukuqhubela phambili ukuphikisana nale nto, masithi umthengisi wayefuna ukuthengisa omnye umthengi ngemali eninzi kwaye wenqaba ukwandisa ixesha lokuvala umthengi okhoyo. Umthengi okhoyo, ukuthintela umthengisi ekudlulisweni kwesihloko kumthengi omtsha, unokufakela isenzo senkundla kumthengisi aze abhale ingxelo ye-lis pendens. I-lis pendens iya ku thintela ukuthengiswa de kube isenzo senkundla sisombulule.
Umnxeba woomatshini ngokuqhelekileyo uhanjiswe yikontraka okanye iikontrakta zontrakhontrakthi zomsebenzi okanye izinto ezihlala zingakhokhelwa. Zonke izithintelo ezingabandakanyeki ziya kufuneka zihlawulwe kwiinkampani zetayiti ukukhupha umgaqo-nkqubo ngaphandle kokuqamba i-encumbrances njengento engekho kwi-inshuwalense yetayitile. Iincumbrances ezingabandakanyiyo zihlala kunye nepropati ize ikhutshwe. Ukuqhubela phambili, umthengi omtsha umthengi uya kufuna kwakhona isihloko esicacileyo.
Iimpapasho njengeSikhumbuzo
Uhlobo oluqhelekileyo lwe-easement luyinkqubo yokugcina ulondolozo lwezinto ezincedisayo, kodwa ukunikezelwa kwe-easement nako kunikwe imvume yokufikelela (ekunene kwendlela) kwisiqendu somhlaba esakhiwe ngaphandle kwendlela. Iimpapasho ze-Easter zikhutshwe ngenxa yokuba zinqabela izenzo ezithile kwaye zichaphazela amalungelo kwipropati. Ngokomzekelo, awukwazi ukwakha idama lokubhukuda phezu kwendawo egcinelwe umgca wokuhambisa umzi womzi. Ewe, unako, kodwa umzi unokumba loo dama lokubhukuda ngaphandle kwemvume yakho.
Iimpapasho ze-Easter ziphawulwe kwinqanaba le-inshurensi yesikhokelo kwaye ngokuqhelekileyo zivela kwimaphu yomhloli.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.