Yintoni i-Escrow?
I-Escrow ilungiselelo apho usebenzisa "umntu wesithathu" (umntu ongeyena umthengi okanye umthengisi) ukuba athathe into ethile. Leyo nxalenye yesithathu inceda ukwenza ukuthengiselana ngokukhuselekileyo ngokuqinisekisa ukuba zombini umthengi kunye nomthengisi bafezekise uxanduva lwabo.
Ngokufanelekileyo, umniki-mpahla ungumntu ongathandekiyo (okanye ongathathi hlangothi) ongenandaba nokuba umthengi okanye umdayisi uphuma phambili. Umsebenzi wesevisi yokuxhoma ukuqinisekisa ukuba wonke umntu unamathela ekupheleni kwawo.
Xa uvuma ukuthenga okanye ukuthengisa into ethile, uyavuma ukwenza izinto ezithile: Umthengi uya kuhlawula isixa esivunyelwene ngaso ngexesha elithile, kwaye umthengisi uya kunika ixabiso lempahla. Ngokuqinisekileyo, ezininzi iintengiso ziyinkimbinkimbi kunokuba. Umzekelo:
- Umthengi angafuna ilungelo lokuhlola ipropati okanye impahla ayithenga ngaphambi kokuhlawula.
- Umthengisi angafuna isiqiniseko sokuthi uya kuhlawulwa (okanye unokufumana ithuba lokuba aqhube phambili ukuba le nto ingenzeki ngokukhawuleza).
- Into ethengiswayo ingaba yinkonzo endaweni yemveliso.
Ngubani "umpempe" xa usayina isivumelwano esinzima? Ikhampani yokunyuka inganika uncedo, ukuqinisekisa ukuba wonke umntu wenza oko bakuvunyelwene ukukwenza, kwaye usebenza njengomntu ophakathi ukuze alondoloze impahla kwiinkqubo.
Yingakho kubalulekile ukusebenzisa umntu wesithathu othembekileyo-umnikezeli omkhulu wegama lokungcebeleka okanye umboneleli wenkonzo ocetyiswa yi-arhente yakho yokuhlala.
Escrow Estate Estate
Ukusetyenziswa okuqhelekileyo kokuhluthwa kukuthengiswa nokuthengwa kwekhaya. I-Escrow ivuleka xa isivumelwano esisayinwe sihanjiswa kwigosa lokuhlawula, elinceda ukuqinisekisa ukuba imimiselo yesivumelwano iyanelisekile. Umzekelo, umniki-mali uya kuqinisekisa ukuba ukuhlolwa, ukuchazwa, kunye nezichaso zigqityiwe okanye zichongiwe ngexesha.
I-Escrow ivala xa konke kwenziwa kwaye ubunikazi bepropathi buyiswe kumthengi.
Idiphozithi yemali ngokunyanisekileyo mhlawumbi ngowokuqala uza kuqaphela ukuhlaselwa kwintengiso yasekhaya. Umthengi ubhala isheke ehlawulwa kumnini-mali , oza kubuyiselwa imali, ayifake kwixabiso lokuthenga, okanye alahle imali elahlekelweyo kumthengisi ukuba umthengi akakwazi ukuhlangabezana neemfuno. Ukuba isheke lihlawulwe ngqo kumthengisi endaweni yoko, umthengi uza kuthatha ingozi enkulu. Ngaloo nto, kuncinci ukumisa "umthengisi" ongathembekanga ekukhisheni isheke ngokukhawuleza kwaye kwenze kube nzima kumthengi ukugqiba ukuthenga?
Escrow Online
Iinkonzo zokuhlawulela zinceda ngaphezu kokuthenga ekhaya kuphela. Abathengisi kunye nabathengisi bahlala benenzuzo kumntu wesithathu ekubukeni kwintengiso. Ukuthengiswa kwe-intanethi kubaluleke kakhulu-kunomntu ongalwaziyo malunga naye, kwaye mhlawumbi ubunokuba ngamakhilomitha amaninzi (ngoko kuthatha isenzo somthetho kumntu osisigxina kuya kuba nexabiso elininzi ukulixabisa).
Kuyinto enomdla ukuba ube negumbi elikhulu labathengi xa ufuna ukuthengisa into ethile. Ngoko unokwenza njani ukuthengiswa kwe-Intanethi ngokukhuselekileyo? Akunjalo ngaso sonke isikhathi ukufuna ukuba abathengi bathumele indlela ekhuselekileyo yokuhlawula phambili-ngokukodwa kwizinto ezibiza-kodwa i- scammers ye-intanethi isebenzise ngokuqhelekileyo abathengisi.
Ukuthengiswa kwiimarike apho abathengi kunye nabathengisi banalo "idumela" kunokuphucula amathuba akho. Ukuba ungumthengi, unokuzama ukusetyenziswa kwezixhobo zokukhusela amakhasimende akho .
Enye indlela (ekhusela abathengi kunye nabathengisi) kukuba kube neenkonzo zokungena kwi-transaction. Ngokomzekelo, umthengi kunye nomthengisi angavuma ngamagama amaninzi:
- Ingakanani umthengi kufuneka ahlawule
- Njani kwaye xa umthengisi uya kuthumela impahla
- Ukuba (kunye nokude kangakanani) umthengi avunyelwe ukuhlola iimpahla aze azigatye xa enganelisekanga ngomgangatho
Emva kokubonelela ezo nkcukacha kwisevisi yokugxotha, umthengi kunye nomthengisi kufuneka nje benze oko bavumelene ukukwenza. Ukuba umdayisi akaze atyelele nayiphi na into, umthengi uyambuyisela imali kumnikezeli wesondlo. Ukuba umthengi uthi iimpahla azizange zifike (apho abanye abantu bathi banokufumana izinto mahhala), inkampani yomthengisi kunye ne-escrow ingakwazi ukuhlaziya iimpawu zokuqinisekisa. Ukuba umthengi wavuma ukuba agqibe ukuthengiswa ngokusekelwe kwezo ziqinisekiso kwaye kukho ubungqina bokuthunyelwa, umniki-mali ohlawulayo ukhokhela umthengisi.
Iingxelo zee Escrow
I-akhawunti ye-escrow ihluke kancinane kwinkqubo yokumisela, kodwa le ngcamango ifana. Xa wenza "iindleko zenyanga zezindlu," mhlawumbi ukhokhela ngaphezu kweemali zakho zemali. Iindleko ezifana ne -inshurensi yomnini- propati kunye neentlawulo zepropati zivame ukubhalwa kwinkokhelo.
Iintlawulo ze-inshurensi kunye neerhafu zepropati zidla ngeendleko zonyaka (nangona iinkampani ze-inshorensi ziya kwamkela iintlawulo zenyanga zenyanga), kodwa ababolekisi abanako ukuhlala bethemba ukuba abanini bezindlu baya kuhlawula iindleko ngokufanelekileyo. Ukuba awuzenzi ezo ntlawulo, umboleki-mali usemngciphekweni, ngoko uqinisekise ukuba ezo ndleko zihlawulwa zihlala ziyingxenye yemaphepha-mboleko yakho.
Ukuba awunayo i-inshurensi yomnini-yindlu, indlu yakho ingatshisa, ishiye ixabiso elingaphantsi kunelo. Yaye ukuba awuyihlawuli irhafu, ugunyazisi werhafu wengingqi unokubeka i-e-home yakho kunye nokuqokelela irhafu efanelekileyo xa kuthengiswa okanye ukuchithwa . Ukuba oko kwenzeka, umnini-mboleko wakho uya kukwazi ukuqokelela okuseleyo emva kokuba irhafu ihlawulwe.
Ngengxelo ye-escrow, umnini-mboleko wakho uyongeza inxalenye yenyanga nganye yeendleko kwiintlawulo zakho zenyanga kwaye ubeka imali kwiakhawunti eyahlukileyo. Unyaka ngamnye, xa i-inshurensi yakho okanye iibhili zerhafu zifanelekile, umboleki wakho uhlawulela loo mabhanki kuwe kule akhawunti. Ngoko, kwakhona, i-akhawunti yokungena ngemali ibanjwe ngumntu wesithathu (kungekhona wena okanye inkampani yakho yomshuwalense) ukuqinisekisa ukuba uhlangabezana neemfanelo zakho.