Ukwenza ukuthengiswa okufutshane kunzima ngokwaneleyo, ngokuqinisekileyo, kodwa kunzima xa unemali-mboleko emibini-kabini intloko yesifo. Ndivakalelwa intlungu. Ngenxa yokuba akudingeki nje ukusebenzisana nomthengisi wokuqala, umnini- mboleko wesibini ufuna ukukhulula loo mboleko.
Okokuqala, makhe sijonge oko kwenzekayo kwi- foreclosure :
Ukuqokwa kweeNdawo eziPhakamileyo
Akunandaba nokuba uthatha i-mortgage yesibini ukuze uncede ukuthenga ikhaya okanye ukuba ufumene imali mboleko yemali emva kwento.
Umboleki wesibini uya kuhlala esecaleni lesibini ngaphandle kokuba owokuqala ekulungele ukuthobela. Ngokuqhelekileyo, umboleki-mboleko osesikhundleni esiphezulu esingaphambili asiyi kuthobela isikhundla.
Okokuqala kwisikhundla ngowokuqala ekunene ukuqokelela kwiinkqubo zokuqhawula. Oku kuthetha ukuba xa iSaziso soPhezulu sifakwe, ukuba umthengi wesibini ufuna ukuba ngowokuqala kumgca wokufumana imali evela kwintengiso okanye ukuthengiswa okanye ukuthatha loo propati, umthengisi wesibini kufuneka aqalise inkqubo yakhe yokuqhawula.
Kwiindawo ezininzi zelizwe, oku kuthetha ukuba umboleki we sibini kufuneka enze iintlawulo zangemuva kumbolekisi bokuqala, ukuhlawula iindleko zomthengisi wokuqala ukufaka iSaziso seMiqathango kunye neendleko ezihambelanayo, uze ufake iSaziso saKhe esiPhezulu. Ukuba ngaba umboleki wesibini akenzi oku, umboleki wesibini unokupheliswa kwinqanaba kwaye angamkeli nto, ngakumbi ukuba akukho mali eyaneleyo yokuhamba.
Xa umnini-mboleko wesibini efumana isaziso esichazela ukuba okokuqala kuye kwangaphambili, emva kokutshekisha ukubaluleka kwekhaya, abaninzi ababolekisi besibili abaqali inkqubo yabo yokuqhawula. Bathatha le ngongoma kuba kungenako ukulingana okwaneleyo ukwenzela ukuba indleko yokuchithwa kwemali izuze inkokhelo yesibini.
Oku kungenzi isenzo kushiya umnini-mboleko wesibini kwindawo ekhuselekileyo.
Iindleko zokuvalwa kweentengiso ezifutshane zihlawulwa njani
Nangona umthengisi angasayina isivumelwano sohlu kunye ne-agent ye-real estate, kuya kwenzeka ukuba umnini-mboleko uya kuphinda axoxisane nekhomishini . Ababolekisi bahlawula ngaphantsi kwemirhumo yendabuko kwaye bazama ukunciphisa iindleko zabo zokuthengiselana ngazo zonke iindlela.
Ukunciphisa nokunciphisa iindleko zokuvala, kukho iirhafu ababolekisi abanqwenela ukuhlawula. Bazi:
- Izicwangciso zeWarranty Plans
- Ukuhlolwa kwama-Pest kunye neMisebenzi ejongene nezidlo
- Iziqinisekiso zoBuqu
- Uhlolo loNxweme
- Ukulungiswa okufunwa ngabaThengi njengeSicelo sokuCoca
- Iimali zeeNkcitho zokuVala koMthengi
Ukuthetha kunye nomthengisi wesibini ngokuthengisa okufutshane
Emva kokugqiba ukuba imeko yakho ihambelana neziqinisekiso zokuthengisa ezifutshane , kwaye uhambelane nazo zonke izicelo zethengiselwano - kunye kunye, ufumene umthengi onqwenele kwaye oqeqeshiweyo - awukafiki emaplanga.
Masithi iindleko zakho zokuvala zi-5% okanye i-$ 4,250. Emva kokunciphisa iindleko zokuvala kwintengo yokuthengisa ye-$ 85,000, uza kuba nama $ 81,000. Ngoku kuya kuba yimfazwe yemfazwe phakathi kwababolekisi ababini.
Ngokuqhelekileyo, uxoxiswano lo kuqala kukunika umnini-mboleko wesibini isixa esincinci, bathi $ 1,000. Ngoku, oko kungabonakali kakhulu xa kuqhathaniswa nokulinganisela kwemali yesi-55,000 ye-$ 000,000 ngenxa yokuba ucela umboleki ukuba alahlekelwe ngama-54,000.
Ngakolunye uhlangothi, nangona kunjalo, ukuba umnini-mboleko wesibini uyala, ekugqibeleni akanakufumana nto.
Kukho amaxesha, kubonakala ngathi ukuba abancinci abancinci babonakala beqhekeza iiswini zabo ukuze baphathe ubuso babo. Kodwa le yilapho umnini-mboleko wokuqala angakwazi ukuyeka okungaphezulu ukwenza ukuba i-deal isebenze. Kwamava am, abaninzi ababolekisi kwindawo yokuqala bayakuvuyela ukufumana i-90%, oko kuthetha ntoni kwi-mboleko yemali eyi-85 000, umbolekisi angavuma ukuba athathe i-$ 76,500.
Ukuba umnatha ungama $ 81,000, emva kweendleko zokuvala, eziza kushiya i-$ 4,500 ukuze umthengi wokuqala anganikezela kumboleki wesibini. Umboleki wesibini kufuneka avume ukukhulula umboleko. Ukuba akunjalo, ukuthengiswa okufutshane kuya kunqatshwa, kwaye umnini-mboleko wokuqala uza kubamba ipropati ngokuchaneka, ukuphelisa imali mboleko yesibili.
Qhubeka uxoxisana kuze kubekho isisombululo esifinyelelwe. Khumbula, zombini owokuqala nowesibini banesigxina ekwenzeni ukuthengiswa okufutshane .
QAPHELA: Esinye isizathu sokuba umnini-nkulu waseCalifornia anganqwenela ukusebenzisana ukuba umboleko wawungumboleko-mali onzima, uqiniseke ukuba uhlala kwiiyunithi ezi-1 ukuya kwi-4. Ngaloo mzekelo, ukuba umthengisi wesibini uyasuswa ngexesha lokuqhawula phantsi kweentengiso zomphathiswa, lowo wesibini umbolekisi unelungelo lokulandela ukugwetywa kwecala . (Roseleaf Corp. v. Chierighino, 59 Cal 2d 35 (1963).)