Ngaba ufuna ukuqinisekisile iintlobo ezithile zetyala elidala?
Yintoni uMatyala Okhuselekileyo kunye namatyala angakhuselekanga?
Ukuba umnqweno wakho ukuwukhipha ityala lakho, mhlawumbi uyazibuza ukuba kutheni ufuna ukuzama ukugcina nayiphi na into ongenayo.
Inxulumene nohlobo lweetyala esizithethayo. Uninzi lwetyala oya kubandakanya kwi-case ye-bankruptcy ayikhuselekanga. Oku kuthetha ukuba akukho mboleko yokuba umbolekisi angasebenzisa ukuhlawula ityala ukuba awukwazi okanye ungenzi iintlawulo. Amatyala angakhuselekanga aquka amakhadi ekhredithi, iintlawulo zezonyango kunye nezinye iimali-mboleko zomntu.
Xa ubeka i-collateral, sibiza loo matyala aqinisekileyo. Inkokhelo ekhuselekileyo iqulethe izivumelwano ezimbini ezihlukeneyo. Enye inqaku lesithembiso okanye isithembiso sokuhlawula. Esinye isivumelwano sokuphepha, apho uyavuma ukuba umboleki-mali angathatha inkokhelo ukuze anelise ityala xa kuyimfuneko. Inkokhelo ekhuselekile ibandakanya imali yokuhlala ekhaya, iimali-mboleko zemoto, iimali mboleko kunye nezinye iimboleko zenye impahla.
Icandelo lesi-7 liyakuthi likhuphe inqaku lesigxina kwi-matyala aqinisekileyo kodwa ayinasiphumo kwisivumelwano sokhuseleko. Ngoko ke, unokuphuma ngaphandle kokubhankqalaza ungenakho uxanduva lomntu kwimali mboleko yemoto, kodwa umbolekisi uya kuba namalungelo emotweni kwaye angayibuyisela emva kokuba ityala liphelile.
Isivumelwano sokuQinisekisa singaKhusela ukuBambisana kwakho
Isivumelwano sokuqinisekisa sivumelwano sokuthi usayine kunye nomthengi okhuseleyo othabatha inkokhelo ngokupheleleyo. Uhlala uxanduva lwetyala, kodwa ufanele ugcine unobungozi nje ngokuba ugcina imiqathango yecatshulwa kwaye awuyi ku-default.
Isiseko seSivumelwano sokuQinisekisa
Ngenxa yokuba ukutshabalalisa i-bankrupt kutshabalalisa uxanduva lwakho lomntu kwiintlawulo zakho ezininzi, loo mvumelwano yangaphambili oyisayinele imboleko yemoto iyasuswa ngokupheleleyo. Ukuba ukhetha ukutyikitya isivumelwano sokuqinisekisa, uyavuma ukuthatha ityala elidala eliya kukhishwa ngenye indlela. Isivumelwano ngokuqhelekileyo ifomu evela kwinkundla yebhanki , apho umboleki-mali uya kuzalisa ngokukodwa ngolwazi olunjengomlinganiselo omtsha wenzala , ibhalansi kunye nolwazi lokuhlawula .
Nantsi ikhonkco kwiphepha lekharityhulam esemthethweni kwifom yokuqinisekisa.
Wena okanye ummeli wakho we-bankruptcy uya kufuneka uzalise amacandelo ambalwa kwisivumelwano ukuba ubonise inkundla yebhanki enokukwazi ukuyenza iintlawulo. Ngoko, ukuba iishedyuli zakho zebhanki zibonisa ukuba unemali engenayo yenyanga, kuya kuba nzima ukubonisa indlela onokukwazi ngayo ukwenza iintlawulo (ngaphandle kokuba ufumane uncedo kumhlobo okanye ilungu losapho). Enyanisweni, igqwetha lakho liya kucelwa ukuba liqinisekise ukuba iintlawulo aziyi kukubangela "ubunzima obubi".
Kutheni Ufuna Ukuqinisekisa?
Njengoko kuthethwe ngentla, umboleki-mali onokulondolozwayo unokubuyisela impahla yakho (kumzekelo wethu, imoto yakho) emva kokufumana ukukhutshwa kwakho kwebhanki xa ungaqinisekisi kwakhona ityala.
Ngamanye amaxesha, umboleki-mali unokufaka ifowuni ngexesha lakho le-bankruptcy ebizwa ngokuba yi-Motion ukuphakamisa uMxhelo wokuPhakamisa i-Automatic Stay ukuze uqhube ibhola ngokukhawuleza, nangona sibona ezi zihlandlo ngokuphindaphindiweyo kwiimeko zeSahluko 13 ukuba uyeka ukuhlawula imoto okanye indlu ozama ukuyikhusela.
Unokufuna iNkundla yeBhanki yaseMali
Nangemva kokuba usayine isivumelwano sokuqinisekiswa kwaye uyithumele kumntu-mboleko, umboleki-mali ufuna ukuyifakela kwinkundla yebhanki ngaphambi kokuphuma kwakho. Ngokuqhelekileyo, isivumelwano sokuqinisekiswa asiyi kusetyenzelwa ukuvalelwa phambi kwejaji elifihliweyo. Ukuqinisekiswa kuya kusetyenziswa ukuvalelwa phantsi kweemeko ezithile:
- Ufakela i- pro pro se ( awunamelwa ngummeli).
- Igqwetha lakho aliqinisekisi ukuba ukuhlawulwa akuyi kukubangela "ubunzima obubi".
- Nangona igqwetha lakho liqinisekisile ukuqinisekiswa, ingeniso kunye neenkcukacha zenkcitho oye wazibonelela kwiishedyuli zakho zebhanki okanye kwifom yokuqinisekiswa ayincedisi imali engenayo eyaneleyo yokuqinisekisa ukuba ukuqinisekiswa kufikeleleke.
Kwi-intetho, ijaji elijongene ne-bankruptcy liza kukubuza imibuzo ukuze ichonge ukuba ngaba ufuna ngokwenene ukubambisa nokuba unako ukuhlawula iintlawulo.
Isivumelwano asinakusebenza ukuba inkundla ingavumi. Amaxesha amaninzi, abagwebi abanakho ukuvuma isivumelwano xa umboleki-mali engakunikeli umyinge ophantsi, umlinganiselo wokunciphisa, okanye omnye umyalelo. Ukuba ijaji aliyi kuvumelana nesivumelwano, isivumelwano asiba niphumo kwaye ungayiphakamisa! Nangona kunjalo, ukuba ijaji ivuma isivumelwano, isivumelwano sakho sivumelwano esitsha kunye nomboleki.
Ukukhulula uMgcini
Enye inketho kukukhusela idibanti yexabiso layo. Umgca wokuhlawulelwa kukuba udla ukuhlawula umboleki imali yesamba. Le mali ungayithethana nomboleki. Ungasebenzisa izixhobo zakho, umntu unokuboleka okanye akunike imali, okanye unokuboleka imali kwi-bhanki yakho. Ezinye iinkampani zize zenzeke ngokukodwa ekuxhaseni imali yokuhlawulela.
Funda ngaphezulu malunga nokuhlengwa kwiNkqubo yokuKhusela imoto yakho kwiSahluko 7 .
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