Iingxowa-mali eziKhatywayo
Iimali eziye zadlula ummiselo weemingcele ziyaziwa njengeemali ezivaliwe ngexesha .
Kungenxa yokuba amatyala sele adlule ummiselo wokunciphisa ayithethi ukuba awusayi kuhlawulwa. Kuthetha nje ukuba umboleki-mali akayi kufumana isigwebo kuwe - xa nje ufika enkundleni ekulungiselelwe ngobungqina bokuba ityala lidala kakhulu. Ubungqina bungabandakanya ukuhlola okubonisa ukugqibela xa wenza imali okanye iirekhodi zakho zonxibelelwano onalo malunga naloo matyala.
Iintlobo zeMatyala
Iingxowa ziwela kwelinye leendidi ezine. Kubalulekile ukwazi ukuba luphi uhlobo lwetyala olinalo kuba ixesha lexesha lihlukile kwihlobo ngalunye. Buza igqwetha ukuba unemibuzo malunga naluphi uhlobo lwetyala onalo.
- Izivumelwano zomlomo zenziwe ngamatyala enkontileka yomlomo. Ngesivumelwano somlomo, wenza kuphela isivumelwano somlomo ukuhlawula imali. Akukho nto ebhaliweyo.
- Izivumelwano ezibhaliweyo zinamatyala enesivumelwano esayinwe nguwe kunye nomboleki. Isivumelwano siquka imimiselo nemeko yemboleko, umz. Umyinge wemboleko kunye nentlawulo yenyanga. Ityala lezonyango okanye luya kuba luhlobo lwekontileka ebhaliweyo.
- Inqaku eliPhakamisayo yisivumelwano esibhaliweyo sokuhlawula ityala kwiintlawulo ezithile, ngentlawulo ethile kunye nomhla othile kunye nesikhathi. Ama-Mortgages kunye neengxowa-mboleko zabafundi ziintlobo zamanqaku okunyusa.
- I-Akhawunti evulekileyo i-akhawunti yi-akhawunti enebhanki ejikelezayo onokuyibuyisela kwaye uyiboleke kwakhona. Amakhadi eitaliti, i-credit-in-store, kunye nemigca yemboleko ngamakhawunti aphelileyo. Ukuba ungoboleka imali kuphela ngexesha, akuyiyo iakhawunti evulekile.
I-Statute yemingcele nguRhulumente
Iphondo ngalinye linomthetho walo wokukhawulwa kwetyala: inani lexesha inkundla iya kukunyanzelisa ukuba uhlawule ityala. Ummiselo wemingcele uhluka ngokuxhomekeka kwimeko enetyala onayo - ikhadi lekhredithi okanye imali-mboleko - kwaye idla phakathi kweminyaka emithathu nemithandathu, kodwa iphakamileyo kwiminyaka eyi-10 okanye eyi-15 kwezinye iindawo. Ngaphambi kokuba uphendule kwingqokelela yetyala, fu manisa umyalelo wematyala omda welizwe lakho
Ukuba ummiselo weemingcele udlulile, kunokukhokelela okuncinci ukuba uhlawule ityala. Ukuba ixesha lokunika ingxelo ngekhredithi (umzi ozimeleyo ngokomthetho wokunciphisa) sele udlulile, usenokuba unyanzelekile ukuhlawula ityala.
Cofa kwigama lakho likarhulumente ukufumana ummiselo wokunciphisa ityala.
| Lumente | Ngomlomo | Bha liweyo | Uthembiso | Vula |
| Alabama | 6 | 6 | 6 | 3 |
| Alaska | 6 | 6 | 3 | 3 |
| EArizona | 3 | 6 | 6 | 3 |
| Arkansas | 6 | 6 | 3 | 3 |
| California | 2 | 4 | 4 | 4 |
| Colorado | 6 | 6 | 6 | 6 |
| Connecticut | 3 | 6 | 6 | 3 |
| Delaware | 3 | 3 | 3 | 4 |
| Florida | 4 | 5 | 5 | 4 |
| Jojiya | 4 | 6 | 6 | 4 |
| EHawaii | 6 | 6 | 6 | 6 |
| Idaho | 4 | 5 | 5 | 4 |
| Illinois | 5 | 10 | 10 | 5 |
| E-Indiana | 6 | 10 | 10 | 6 |
| Iowa | 5 | 10 | 5 | 5 |
| Kansas | 3 | 6 | 5 | 3 |
| EKentucky | 5 | 15 | 15 | 5 |
| Louisiana | 10 | 10 | 10 | 3 |
| Maine | 6 | 6 | 6 | 6 |
| Maryland | 3 | 3 | 6 | 3 |
| EMassachusetts | 6 | 6 | 6 | 6 |
| EMichigan | 6 | 6 | 6 | 6 |
| Minnesota | 6 | 6 | 6 | 6 |
| Mississippi | 3 | 3 | 3 | 3 |
| EMissouri | 5 | 10 | 10 | 5 |
| Montana | 5 | 8 | 8 | 5 |
| Nebraska | 4 | 5 | 5 | 4 |
| Nevada | 4 | 6 | 3 | 4 |
| ENew Hampshire | 3 | 3 | 6 | 3 |
| Enew Jersey | 6 | 6 | 6 | 6 |
| ENew Mexico | 4 | 6 | 6 | 4 |
| Inew york | 6 | 6 | 6 | 6 |
| North Carolina | 3 | 3 | 5 | 3 |
| North Dakota | 6 | 6 | 6 | 6 |
| EOhio | 6 | 15 | 15 | 6 |
| E Oklahoma | 3 | 5 | 5 | 3 |
| Oregon | 6 | 6 | 6 | 6 |
| Pennsylvania | 4 | 4 | 4 | 4 |
| Rhode Island | 15 | 15 | 10 | 10 |
| South Carolina | 3 | 3 | 3 | 3 |
| EMzantsi Dakota | 3 | 6 | 6 | 6 |
| Tennessee | 6 | 6 | 6 | 6 |
| ETexas | 4 | 4 | 4 | 4 |
| Utah | 4 | 6 | 6 | 4 |
| Vermont | 6 | 6 | 5 | 3 |
| EVirginia | 3 | 5 | 6 | 3 |
| EWashington | 3 | 6 | 6 | 3 |
| West Virginia | 5 | 10 | 6 | 5 |
| Wisconsin | 6 | 6 | 10 | 6 |
| Wyoming | 8 | 10 | 10 | 8 |
A