Ukuba unesithuba sokushiya ukulungisa imicimbi yezemali yomntu onomboleko obalaseleyo wemoto emva kokuba efile, kubalulekile ukwazi amaqiniso kunye namalungelo akho.
Xa umntu efa, i-Estate iyazalwa
Xa umntu efa, into yokugqibela abahlobo kunye namalungu entsapho abafuna ukucinga ngayo kulungisa izikweletu zabo ezivelele. Ngethamsanqa, kwiindawo ezininzi, akudingeki.
Xa umntu edlula, zonke iitalato kunye nezinto ezidibeneyo zidibanisa zenze ifa. Le ndawo iya "hlawula" ibhalansi yemali-mboleko evelele, kubandakanywa nayiphi na imali-mboleko yemoto, usebenzisa i-asethi ekhoyo xa kukho imali eyaneleyo yokwenza njalo.
Ukuba umntu ushiye intando, umqulu uya kuthiwa ngumphathi, ngubani onoxanduva lokulungisa nokuhambisa ifa. Ukuba umntu uyafa ngaphandle kwentando, inkundla inokuthi ibone umlawuli (ngokuqhelekileyo umlingane osinda okanye isihlobo esondeleyo) kule nxaxheba yokulawula.
YeNgxowa-mali yeNkcitho
Abanye ababoleki banikezela ukhetho lokuthenga i-inshorensi yobomi besikweletu. Ukuba umntu oshonile uthenge i-inshorensi yempilo yengxowa ngemali mboleko mboleko, lo mshwalense unembopheleleko yokuhlawula yonke into okanye inxalenye yemali-mboleko, kuxhomekeke kwimimiselo yesivumelwano.
Abaphathi
Ukuba i-estate ayinayo imali yokubambisa intsalela yemali-mboleko yemoto, kwaye ukuba akukho ninshuwalense yomshuwalense wentengo yemboleko yathengiweyo, kwaye imali yemboleko yemoto yabhalwa isihlobo esisaphila, eso sihlobo sinoxanduva lokuhlawula imali ebalwayo yemali mboleko, kungakhathaliseki ukuba bayayidla ilifa.
Oku kuyinyani nawuphi na umboleko owenziwe ngumntu osaphila. Ukuba lo mntu akakwazi ukuqhubeka neentlawulo, imoto inokubuyiswa kwakhona kunye / okanye umvuzo we-cosigner unokulungiswa, kuxhomekeke kwimeko.
Ulwahlula uluntu kunye namazwe angaphandle kwamazwe
Ukuba umntu uthengisa imoto okanye athathe imali mboleko yemali kwipropati engekho yoluntu, xa efa, i-estate okanye nayiphi na i-cosigners esindalayo iya kuba noxanduva ngokupheleleyo ngokuhlawula imali yokuboleka imali. Ukusinda abafazi, izalamane kunye nabanye abaxhamliweyo abayi kuba nexanduva lokuhlawula nayiphi na amatyala. Abanye ababolekisi bemfuyo baya kubandezela abasindileyo bomntu oshonile kungakhathaliseki ukuba (okanye baqeshe i-ejensi yokuqokelela ukwenza njalo), kodwa kubalulekile ukwazi ukuba aba basindileyo abanalo uxanduva lokwenza nayiphi na intlawulo xa umboleko ungenziwanga okanye ubanjelwe egameni labo.
Nangona kunjalo, amazwe asithoba (iArizona, eCalifornia, iIdaho, eLouisana, eNew Mexico, eNevada, eTexas, eWashington naseWisconsin) nasePuerto Rico zibhekwa njengepropati yoluntu, kwaye imithetho ikhona yinkimbinkimbi.
Kwimimandla yommandla woluntu, nayiphina impahla okanye impahla eyathengwa ngumlingane wakho ngexesha lomtshato, kunye nemali-mboleko ethathelwe ngaphandle, ilawulwa ngokubambisana kunye noxanduva lomnye umlingane.
Oko kuthetha ukuba umntu ofileyo unokufumana ibhalansi yemali ebolekileyo yemali eyi-$ 10,000, ukuba aphelile, iqabane lakhe lihlawulwa i-$ 5,000 yaloo mboleko-nokuba ngaba igama labo alizange liboleke ngemali okanye kwisihloko semoto. Ukusinda kwezihlobo ngaphandle kwabatshatileyo abaxhomekeke kule mithetho.
Ukungakhuseli kunye neNgxowa-mali yeMoto ekhuselekile
Imboleko ekhuselweyo ngumboleko oxhaswa ngoluhlobo oluthile lokubambisa - kule ngxaki, imoto enomntu ofileyo. Ukuba iintlawulo kwiimali-mboleko zemoto ezikhuseleyo ziyekezela nayiphi na isizathu, kubandakanywa nokufa komntu osayine isivumelwano, umboleki-mboleko unokuphinda abuyele imoto kwaye ayithengise ukuba ahlawule nayiphi na into engayikhokhelwa mboleko.
Ngalunye icala, i-mboleko engakhuselekanga. Nangona ininzi yemali-mboleko yemoto ithola imali-mboleko, abantu abanamakhredithi aphezulu ngamanye amaxesha bayakwazi ukufumana imali mboleko yemoto engakhuselekanga.
Kulo mzekelo, ukuba umntu uyafa, imboleko yemoto ayifani naluphi na uhlobo lwetyala elingaqinisekanga, njengekhadi lesikweleti okanye mboleko mboleko: ngumsebenzi welifa kunye nawuphi na umphathiswa wemboleko, kungekhona na iindwendwe ezihlalayo okanye izindlalifa zeemoto, kwaye imoto ayikwazi ukuphinda ibuyiselwe kwimali yemboleko.
Into enokuyenza Ukuba umntu othandekayo uyafa
Ukuba umhlobo okanye isihlobo siyafa, kubalulekile ukuthumela isatifiketi sokufa kubo bonke ababolekisi kunye nenkonzo enkulu yemboleko. Oku kuvimbela umsebenzi wobuqhetseba ukuba ungabikho, kuquka i-akhawunti entsha evulekileyo egameni lomntu ofileyo, kwaye ivumela ukuba amatyala ahlaziywe ngokufanelekileyo. Ukuba umntu oshonile unetyala elikhulu, liyilo elilungileyo ukuqesha ummeli weengxaki ongakwazi ukujongana nale micimbi yemali egameni lomfi.
Oko Ukwenza Ukuba Ukhetha Ukugcina I-Car
Ukuba umntu obizwa ngokuba yindlalifa emotweni kwintando okanye abanye abahlobo abasaphila kunye namalungu entsapho banomdla wokubakho ukugcina imoto, yinto efanelekileyo yokuqhubeka uhlawula nayiphi na imali ebolekileyo yemoto-mboleko ukuze ubaleke ukuba imoto ibuyele ngaphambi kokuba isigqibo zenziwe.
Ukuba ilungu lentsapho elisele ligcina ligqibe isigqibo sokugcina imoto, kuya kufuneka ukuba iqhutywe yinkantolo ye-probate ukuze kuqinisekiswe ukuba umntu uyindlalifa yezomthetho kwaye udlulise isihloko. Umnini omtsha uya kufuneka kwakhona ukuba ahlawule nayiphi na irhafu yerejista yokubhalisa, athathe i-inshurensi yemoto egameni lawo, kwaye uhlaziye imali yemboleko yemoto okanye uhlawule umrhumo wemboleko ngokugcwele. Ukuba umboleko uya kuhlaziywa, umnini mtsha uya kufuneka ukuba anikezele ubungqina bokuba ngumnikazi wezithuthi aze abonise ubungqina bokuthenga ngetyala ngokufaka ubungqina bemali engenayo okanye i-asethi, okanye umququzeleli-nje ngokuba nemoto ayinako. Kuyakuthi, ngokuqinisekileyo, kufane nokufaka isicelo sembolekiso kwakhona.