Ngaba Ulungelelwano Oluhlangeneyo Lokukhethwa Kwakho Kwetayitile?

UkuHlala ngokuBambisana kunye nabaSebenzi kwiiNgqangi eziqhelekileyo

Ukuqeshana okuhlangeneyo kuyindlela ekhethekileyo yokuthenga abantu abathengi basekhaya bokuqala ukuba ngokuqhelekileyo yinto ekhethiweyo ekhethwe ngabathengi ngaphandle kwengcaciso okanye nayiphi na ingcinga kwezinye iindlela ezikhoyo. Enyanisweni, ezinye iikontraki zokuthenga ziqulethe ukhetho lokukhetha indlela umthengi eya kuba ngumxholo ngayo, nangona akuyona into eqhelekileyo kwiimeko ezifana neCalifornia.

Ukukhetha Indawo yokuBambisana njengendlela yokubamba isihloko kwizakhiwo zepropati ngokuqhelekileyo kukhethwe ngokunyuka okanye ekuvalweni ngaphandle kweenkcazelo ezininzi.

Kungenxa yokuba ama-escrow officers, kunye nabashenxi bezindlu kunye nabanye abaqeqeshiweyo ngaphandle kwesiqinisekiso sezomthetho, abanako ukwenza umyalelo. Ummeli wezezindlu kuphela onokucebisa umthengi malunga nomthetho we-estate estate kumazwe amaninzi, njengoko kufanelekile. Awufuni ukufumana iingcebiso ezimbi. Kwaye ukuba wenza njalo, ufuna ukuba nomntu onoxanduva ngokusemthethweni kuwe ngeengcebiso ezimbi. Ewe, yiletikiti, vula nje onke a magqwetha, (aphethe).

Isakhiwo sokudibanisa sinokubanjelwa ngabantu ababini okanye ngaphezulu. Umntu ngamnye unesabelo esilinganayo. Nangona kunjalo, i-Joint Tenancy ne-Right to Survivorship iquka ukutshintshwa okukhethekileyo okuvumela ukuba isihloko siphumelele kubaqeshi abadibeneyo emva kokufa komqeshi odibeneyo. Kulo mzekelo, i- afidavithi yokufa ibhalwa kwiirekhodi zoluntu, kunye nekopi yesatifiketi sokufa somqeshi. Ukudibanisa kwezi zinto zibini zanele ukuvumela abaqeshi abahlangeneyo ukuba bathengise ikhaya.

Kukho izinto ezine ezifunekayo ukuze kubekho isakhiwo sokubambisana esiza kwenziwa. Ubumbano luquka into echazwe kwiibonda zomthetho njengeTTIP:

• Ixesha : ngamnye umntu makamkele ukufumana isihloko kwisakhiwo ngexesha elifanayo.
• Isihloko : Imfuno kufuneka ibonise igama lomntu ngamnye kumqulu ofanayo.

• Inzala : ngamnye umntu unesabelo esilinganayo sobunikazi.
• Impahla : Umntu ngamnye unelungelo elifanayo lokuhlala kuloo propati.

Ukuba kukho enye yeemfuno ezi-ezine azikho, kungenzeka ukuba indawo yokuhlala kunye noyena oye wayikholwa ingaba inselele / ikhutshwe kwaye ingenakho ukuphumela kwisigqibo sokugqibela sokuhlala ngokubambisana.

Isiphumo esinokwenzeka soBumbiswano kunye noLungelo lokuPhucula kukuba umqeshi odibeneyo uyafa, ukuba umqeshi odibeneyo akanakuyithintela ipropati yindlalifa, ezinye izihlobo eziseleyo okanye omnye umntu. Ngokomzekelo, ukuba udade nomzalwana babambelele njengabahlali abadibeneyo abanelungelo lokusinda kwaye udade uyatshata, umyeni walo udade akakwazi ukufumana isihloko kwisakhiwo ekufeni kwakhe, nokuba umntakwabo akahlali ekhaya.

Ungathi, hey, linda umzuzu. Ukuba udade nomyeni wakhe bahlala kwikhaya, kwaye urhulumente ngumbuso wepropati yoluntu, akunjalo umyeni wodade onelungelo lokwenza uhlobo oluthile lomdla, mhlawumbi ngeemali ezidibeneyo? Kungenxa zamagqwetha ukuba baxoxe, kodwa amathuba okuba i-Joint Tenancy iya kuvumela ukuba ikhaya lidlulele i-100% kumzalwana, kwaye nethemba ukuba umzalwana unomusa ngokwaneleyo ukuvumela umntakwabo ukuba ahlale ixesha elide.

Ukuba awufuni ukuba oko kwenzeke, mhlawumbi abahlali beSivumelwano abaqhelekileyo babeya kuba yindlela enye yokubamba isicatshulwa esingaba siphumelele njengendlela engcono kulungiselelo. Ngabalingisi abaqhelekileyo, kukho ubunye bunye obubelwe, kwaye ubunye bunyani ilungelo. Abaqeshi abantu abaqhelekileyo banokubamba izabelo ezilinganayo okanye ezingalinganiyo kunye neminqweno inokufunyanwa ngamaxesha ahlukeneyo.

Enye yeyona ntlukwano ephakathi kweZindlu zoLuntu kunye neLungelo lokuPhucula kunye nabaSebenzi abaSebenzayo, ukuba isihloko sithunyelwa njani emva kokufa, kunye namalungelo eziindlalifa. Ukuba umntakwabo, udadewabo kunye nomyeni wabo nodade bonke babebizwa ngokuba ngabaqashi ngo-Common, umzalwana wayengenakubuza umntakwabo ukuba ahambe kuloo propati, ukuba udade uyafa. Umkhwenkwe akakwazi ukucela ukuba lo mzalwana uphume ngaphandle, nokuba.

Ngamalungu ngamnye anelungelo elilinganayo lokufumana. Kwakhona, umnqweno wodade wayeza kudlula indlalifa yakhe, eyayiba yindoda yakhe ukuba wayethetha ngokucacileyo.

Ngaphantsi kweeMpahla zoLuntu, ngokuqhelekileyo isihloko siza kuxhomekeka kwisigqibo okanye siphinde sibe yindlalifa ekufeni kwesinye okanye amaqela amaninzi, kuxhomekeke kwimithetho yakho yombuso. Nangona kunjalo, iPropati yoLuntu ingabandakanya kwakhona ilungelo lokuSinda, apho imeko, isihloko asiyi kuthunyelwa kwiindlalifa. Masize sithethe nangorhafu.

Uyabona ukuba kutheni le ngxaki yeendlela zokubamba isihloko ingaba nzima kakhulu kumthengi wendlu ngexesha lokuthenga. Abanye abathengi abafuni ukujongana nayo kuba banomdla kakhulu ngokuvala indlu. Kodwa kufuneka uthethe kunye negqwetha le-real estate kwaye uqwalasele ngononophelo iindlela zokubamba umxholo, xubusha i-pros and cons to each, ngaphambi kokuba ukhethe ngokuzenzekelayo abahlali abadibeneyo. Ngenxa yokuba iSakhiwo soBumbano singasisisombululo esifanelekileyo kuwe.

Ngelo xesha lokubhala, u-Elizabeth Weintraub, uBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.