Imali Yengxowa Yasekhaya
Usebenza njani ngemali
- Kukho amaqela amabini kwi-mortgage. Uyi-mortgagor okanye umbolekekisi, kwaye umboleki-mboleko ngumboleki.
- Umbhalo wokubolekwa kwempahla udala ikhonkco kwipropati, ekhonza njengokhuseleko lomboleki wetyala. Ikhonkco ibhalwa kwiirekhodi zoluntu, mhlawumbi kwi-court county yakho.
- Ubunini abukwazi ukudluliselwa komnye umntu de uhlawule ityala lokukhupha i-lien.
- Nangona umboleko wakho ugcinwa ngumboleko wemali, usenayo isihloko esipheleleyo kwipropati. Akukho mntu unamalungelo obunini.
- Imali mboleko inika umthengi ilungelo lokuthengisa ipropati ekhuselekile ukufumana imali xa ungahlawuli ityala. Inkqubo yokuthengisa ibizwa ngokuba yi-foreclosure.
- Xa kuthengiswa imali kusetshenziselwa ukhuseleko, ukuchithwa kufuneka kuqhutywe phambili kwinkqubo yenkundla. Olu hlobo lwenkungqungquthela lubizwa ngokuba yi-foreclosure yomgwebo.
Imfundiso yeTrust
Iingxenye ezingaphezu kwesigama e-United States zisebenzisa i-mortgages njengezixhobo zokukhusela. Omnye usebenzise isenzo sokuthembela , esenza injongo enye, kodwa kunye nemibandela embalwa ebalulekileyo.
- Isenzo sokuthembela sihlobo oluthile lwezenzo ezirekhodiweyo kwiirekhodi zoluntu , apho uxelela wonke umntu ukuba kukho umnxeba kwipropati yakho.
- Isenzo sokuthembela siquka imibutho emithathu. Wena ungumniki-mboleko, umboleki-mboleko ungumxhamli, kwaye umntu wesithathu ungumphathiswa-umntu ophethe isihloko esingaphantsi (kodwa engagcwalisi) kuze kube yilapho ihlawulwa.
- Umphathiswa kufuneka abe ngumntu wesithathu ongathathi hlangothi, umntu ongeke akuthande wena okanye umbolekisi ukuba iingxaki zikhula. Kwamanye amazwe, amagqwetha asebenza njengama-trustees, kwaye kwezinye, iinkampani zomshuwalense zenkampani zihlala zibonelela ngenkonzo.
- Umphathiswa akakwazi ukuthatha ipropati yakho kungekho sizathu - amaxwebhu akhona ukukhusela kulo.
- Isenzo senkonzo siyaxoswa xa ityala lihlawulwa.
Ngaphantsi
Ukwahlukana phakathi kwemali mboleko kunye nezenzo zentembeko kuthintela abathengi basekhaya kuphela xa ukuvalwa kwempahla kuyinkxalabo kuba umphathiswa unamandla okuthengisa indlu xa umboleko wakho uhlaselwa. Umboleki makanike ubungqina bentrasti yobungendawo kwaye abuze umphathiswa ukuba aqalise iinkqubo zokuqhawula .
Umphathiswa kufuneka athuthuke njengoko avunyelwe ngumthetho kwaye njengoko kuchazwe kwisenzo sakho sokuthenjwa, kodwa inkqubo inqumla inkqubo yenkundla, okwenza kube yindlela esheshayo kwaye engabizi ukuba umnini-mboleko angene ngaphambili.
Awukwazi ukukhetha indlela umboleko wakho okhuselekile ngayo, oya kukhethwa apho uhlala khona, kodwa kubalulekile ukuba ube nokuqonda uhlobo lwe-link egcina ityala lakho kwikhaya lakho.