Ngakolunye uhlangothi, abantu baninzi bakholelwa ukuba xa befake i-case bankruptcy, baya kulahla yonke into. Oko kunjalo, akunjalo. Funda kabanzi malunga nokuxolelwa kwebhanki .
Kwakhona inkolelo evamile yokuba ukufaka ityala le-bankruptcy kuthetha ukuba zonke iitalato zabo zinyuka, kwaye ziyakwazi ukugcina imoto, izindlu kunye nezinye izinto eziphathekayo ngaphandle kokubuyiselwa kwemali mboleko.
Oku, kunjalo, akunjalo.
Kule chungechunge lwamanqaku, sithetha malunga nokuba zeziphi iitalato ezikhutshwayo kwiimeko eziqhelekileyo zokubhankanya. Kule nqaku, sigxininisa kumatyala aqinisekileyo: loo matyala obeka kuyo inkokhelo yokuba umbolekisi angabamba kwaye athengise ukuba awukwazi ukuhlawula umboleko wakho njengoko kuvunyelweneyo.
Umvuzo omnye: Izivumelwano ezimbini
Imboleko eqinisekisiwe ngokuqinisekileyo iquka izivumelwano ezimbini ezahlukeneyo: inqaku lesithembiso kunye nesivumelwano sokukhusela.
Iyokuqala, inqaku lesithembiso , liqule imimiselo yomboleko. Ngaloo nto ufumana iimali kwixabiso ozolixhaswa ngemali, eyongezelelweyo imirhumo, intlawulo yemirhumo, inani lemali, inzala yentlawulo, ubude bemali mboleko, intlawulo yemihla efanelekileyo, ukuba iintlawulo zenziwe njani, iimeko kunye nomyinge wexesha Imirhumo, isixa-mali esiya kuhlawulwa ngenxa yobomi bemboleko kunye nolwazi oluninzi malunga nendlela okulindeleke ukuba ubuyisele ngayo imali oyibolekayo.
Isivumelwano sokhuseleko sivumelwano esithile, nangona singabandakanywa kumqulu ofanayo kunye nencwadi yokunyusa.
Isivumelwano sokhuseleko sinika umnini-mali unomdla kwipropati oyixhasayo. Into iya kuba yintengo yemboleko. Umboleki uyavuma ukubeka intengo yokuthenga yento. Uyavuma ukuba xa ungaphumeleli ukuhlawula ngokwemiqathango yesaziso sokuthengisa, umboleki-lungelo unelungelo lokubamba ipropati okanye i-foreclose), uyigcine (yithengise) kwaye usebenzise imveliso yentengiso kwixabiso ohlala umboleki.
Yintoni eyenzekayo kwimboleko eqinisekisiwe kwimeko yecala?
Kwimeko ye-bankruptcy, umbopheleleko phantsi kwe-note-promissory note-imfuneko yokuba uyihlawule imali-mboleko-iyaxhomekeka ekukhutshweni. Ngoko ke, ukuba ungenzi nto ukutshintsha isiphumo, isithembiso osenzileyo sokuhlawula imali siya kukhutshwa xa ufumana ukukhutshwa kwakho jikelele.
Isandi sikhulu, kunene? Yiloo nto ukhangayo kwiSahluko 7 - ukukhulula ekufuneka uhlawule ezo akhawunti.
Kodwa, kukho umkhabi. Isivumelwano sokhuseleko asikhutshwanga. Umboleki-mali unomdla kwipropati kunye nelungelo lokuphinda liphinde liphindwe okanye likhishwe ngaphambili kwipropati ukuba awuyi kuhlawula. Abanye abantu banokuzifumanisa ngemboleko ekhutshiwe kwaye akukho mbopheleleko wokuhlawula, kodwa bebambelele kwi-collateral.
Mhlawumbi abayi kubamba loo nto yokubambisa ixesha elide, nangona kunjalo. Kungenxa yokuba umnini-mboleko uya kufuna ukuba ipropati ihlawule ubuncinane inxalenye yento omele uyihlawule ngayo.
Umboleki-mali akayi ku funeka alinde kude kube sekupheleni kwesahluko se-7 ukuqala loo nkqubo. Xa ufaka icala leSahluko 7, enye yamaxwebhu afakwe kumaphepha abizwa ngokuba yiNkcazo yeNjongo . KwiNkcazo yeNjongo, ubhala zonke iimali zakho ezikhuselekile, kwaye uthetha ukuba unenjongo yokugcina loo propati okanye uyinikezele kumboleki.
Ukuba awufuni ukugcina ipropati, kufuneka uyenze ukuba itholakale kumthengi okhuseleyo kungadlulanga iintsuku ezingama-45 emva kokudibana kweentengo zemboleko. Ukuba awuzange unikezele ipropati ngelo xesha, umbolekisi okhuselekileyo unokuqalisa ukuvalwa okanye ukubuyisela ngaphandle kokufumana imvume evela kwinkundla yebhanki.
Ukuqinisekisa okanye Ukukhulula?
KwiSahluko 7, unamanye amabini okukhethwa kukho okuchazwe kwikhowudi ye-bankruptcy: ukuhlawulela impahla kunye nokuqinisekisa kwakhona inqaku.
Ukuhlawulelwa kubaluleke kakhulu xa unetyala elingaphezulu kwepropati. Isetyenziswa phantse kuphela kwisakhiwo somntu siqu njengezithuthi okanye izixhobo. Ikuvumela ukuba uhlawule ixabiso lepropati kumboleki-mboleko, ngokuqhelekileyo kwisixa semali. Oku kuya kukwanelisa kokubili inqaku lesithembiso kunye nesivumelwano sokuphepha. Ukufezekisa oku, abanye ababolekayo bahlaziya ipropathi ngokusebenzisa abanye ababolekisi, njengamashishini ancedisa ekuncediseni abanetyala abahlawulele impahla.
Ngenxa yokuba abaninzi ababolekayo abanako ukuphakamisa imali yokukhusela ipropathi okanye abafuni ukuhlawula amaxabiso athile aphezulu yenkampani yokuxhaswa kwemali yokuhlawulela, abaninzi ababolekayo baya kukhetha ukuqinisekisile ityala abanalo. Ukuqinisekiswa yinkqubo ethatha imali mboleko ngaphandle kwe-bankruptcy. Ukukhutshwa akuyi kusebenza kwi-mboleko eqinisekisiweyo, kwaye umboleki uhlala enembopheleleko kumthengi kwimbini yesithembiso kunye nesivumelwano sezokhuseleko kude kuhlawulwe umboleko.
Ababoleki banokuqinisekisa kuphela imali mboleko ukuba bayakwazi ukufumana iintlawulo. Inkoliso yexesha, iishedyuli ze-bankruptcy, ezibandakanya uludwe lweengeniso kunye neendleko, ziya kubonisa ukuba kukho indawo ebhajethi yokuhlawula. Ukuba akukho nto, kunokuba kuyimfuneko ukuba ube neentlanganiso phambi kwejaji elifihlakeleyo phambi kokuba isivumelwano sokuqinisekisa sivunyiwe.
Cofa apha ukuze ufunde kabanzi malunga nokuhlawulela .
Cofa apha ukuze ufunde kabanzi malunga nokuqinisekisa kwakhona imoto kunye nemali mboleko yasekhaya .
Ngolwazi olungakumbi:
Ukuze ufunde kabanzi ngamatyala angakwazi kwaye akakwazi ukukhutshwa kwimeko yecala lokungabikho, qiniseka ukutyelela lamaphepha:
Ukukhutshwa ngokutsha nokutshabalalisa
Ucelomngeni ukukhutshwa ngokubanzi kunye nokukhutshwa kwamatyala athile
Ukuxhasa abantwana kunye ne-alimony, kubandakanywa nemirhumo yommeli
Iintlawulo, izigwebo, ukubuyisela, inkundla iyala iintlawulo
Imali-mboleko yabafundi (kunye nezinye izinto)
Ukukhutshwa kwemali-mboleko yemoto, iimali-mboleko zasekhaya kunye namanye amatyala aqinisekileyo
Ukuqinisekiswa kunye nezinye izinto zokuphuma