Yintoni Umgaqo-nkqubo we-Intshuwalense?

Ngaba Ufuna Intshurensi Yesihloko?

Ukuqonda intyhuwalense yetayitile kunye nemigaqo-nkqubo yomshuwalense we-intanethi eMelika, makhe sijonge kwi- chain-of-title kunye nendlela iinkampani zetekethi zifuna ngayo iirekhodi zoluntu. Iinkampani ze-inshorensi zezihloko azixhalabelekanga apho iidinosaurs ziye zahamba khona, nokuba ookhokho bethu bahamba ngaphesheya kweBering Straight okanye apho kuhlala khona amaNdiya aseMerika. Ukukhangela kwesihloko kuqala ngethuba urhulumente waseUnited States uthembe umhlaba, ndiyathetha ukuba uyayifumana - ukusuka ku-U.

S. patent - kwaye uqhube phambili ukusuka kuloo ndawo.

Ngenxa yokuba abantu babandakanyeka ekurekhodweni kwamanyathelo kunye nokucwangcisa iipakethi zomhlaba, ezininzi zinokungahambi kakuhle. Hayi, i-pun engalindelekanga. Ufuna ityhuwalense yetayitile kuba iya kukukhusela kwiintsilelo kunye nephutha lomntu.

Uphando lwePropati kunye neeRekhodi zikaRhulumente

• Ukudluliselwa kwepropati kwakubhalwe kuqala nge-alfabhethi kwiincwadi ezahlukeneyo zeGrantor and Grantee .
• Iincwadi zinzima ukuphakamisa nokuthuli.
• IiRekhodi zengingqi zihlala zigcinwa kwiintendelezo zendawo okanye kuMabhalane wabaBhalisi.
• Namhlanje, amaninzi iingxelo zigcinwe kwikhompyutha.

Ulwahlulo loMhlaba

• Izenzo zokuqala zazibandakanya iindawo ezininzi zomhlaba ezibizwa ngokuba yiiCommunity.
• Iidolophu ziqulethwe ngamacandelo angama-36 kwaye ziiikhilomitha ezintandathu ngeekhilomitha ezili-6.
• Iziqendu zilinganisa iikhilomitha enye ngeekhilomitha enye kwaye ziqukethe iihektare eziyi-640.
• Ingxenye yecandelo lama-acre angama-320.
• I-1/4 yecandelo lama-acre angama-160.
• Icandelo 1/4 le-1/4 icandelo lamahektare angama-40.
• I-acre ngamanqina angama-43,560 square

Ukukhangela kweSihloko Isiseko

• Ukukhangela kwesihloko kuqala ngezenzo zamva nje, ukukhangela igama lomxhaso (umntu ophethe isihloko) ngasemva ngexesha, kuze kube yilapho isibonelelo sokufumana ipropati sifumaneka.

• Igama lomnikezeli liphinda liphandwe ngasemva ngexesha elikwincwadi yenkxaso-mali ukufumana xa umnini-mvume efunyanwa njengesibonelelo.
• Le nkqubo iyaqhubeka, kwaye ngokuhamba kwexesha, inkcazo yepropati iquka iipastile ezinkulu kunye ezinkulu.
• Ekugqibeleni, umseshi ufumene i-Patent yase-US.

Ezinye izinto ezichaphazela isihloko

Iimvumelwano zakha i- chain-of-title , kodwa ngamanye amaxesha ezo ntambo ziphukile.

Ukongeza, abaphandi bamatye bajonge ukubuyisana (ubungqina bokuba i- encumbrances ihlawulwa), kwaye bajonga i- easements , amalungelo-of-way, iiC & R , ezinye izinto ezichaphazela isihloko kwisakhiwo. Nazi ezinye iirekhodi ezicatshungulwa kwisiqendu ndawonye;

• Iirekhodi zomtshato
• Izatifikethi zokufa
• Yentengiso

Umshuwalense weSiqinisekiso

Ngokuxhomekeke kwinkampani yetayitile, abathengi banokukhetha phakathi kweendlela ezahlukeneyo, kodwa iinqununu ezintathu ezona ziphezulu ngabanini, iiLend's and Extended Coverage.

• Umgaqo-nkqubo weSihloko soMnini-siseko:

1. Sula isihloko sesakhiwo
2. Amasayineli angalunganga kumaxwebhu
3. Ukutyunjwa, ubuqhetseba
4. Ukurekhoda
5. Izivumelwano ezithintelo
6. Ukukhutshwa okanye izigwebo
   

• Umgaqo-nkqubo weNtloko weLender's Policy:

1. Iingxowa zomatshini kunye nezilwanyana ezingahambelaniyo
2. Amagatya okungaxilwanga kunye namalungelo okufikelela
3. Iimpazamo kunye namanye amaxwebhu angavumelekanga
   

• Umyinge woMnini owandisiweyo

1. Ukwakhiwa kwepemethe yokuphulwa kwemvume kubanikazi bangaphambili
2. Iimephu zeehlathululo
3. Ukuphulwa komnqophiso kubanikazi bangaphambili
4. Izikhokelo eziphilayo
5. Ukonakaliswa kwesakhiwo kwiimveliso zemizuzu
6. Uhlobo lwe-inshorensi kunye neentsimbi emva kwentsholongwane yomshuwalense ikhishwa

Ngubani ohlawula i-inshurensi yomgaqo-nkqubo?

• Oku kuxhomekeke kwisiko lendawo yakho.
• Iyakwazi ukuhluka ukusuka kwinqanaba ukuya kwinqanaba, kodwa liyakuthatyathethana kwi- offer offer .

• Ngamanye amaxesha abathengisi nabathengi bahlula umrhumo kumgaqo-nkqubo womnini.
• Ngokuqhelekileyo, umthengi uyahlawulela umgca-mboleko.

Iimigaqo Zesihloko Zilungile Kangakanani?

Ngonaphakade, Ukuba uceba ukuthengisa impahla kwisithuba seminyaka emibini, cela inkampani yakho yenkampani malunga ne-"binder" coverage. Ezinye iinkampani ziyakuthengisa umgaqo-nkqubo wokubambisa ngentlawulo ye-10% ngaphezulu, nangona loo ndlela ikhutshwa ngokukhawuleza. Ukuba ungayifumana, ibhinqa ilungile iminyaka emibini, kwaye umrhumo ohlawulwe kumgaqo-nkqubo womthengi omtsha uya kuba ngumdahluko phakathi kokuthengwa kwepropati kunye nexabiso elithengise ngayo. Ngamanye amagama, uza kufumana i-credit ngemali yokuthengwa oyithengileyo phantsi kweNkqubo Yesihloko Somnikazi Wakho.

Iipolisi zeNtshurensi zeNkxaso-mali ziNinzi zihlawulwa njani?

Kanye. Intlawulo ifanelekile xa uthenge.

Awusayi kuphinda uhlawule kwakhona. Intshurensi yomgaqo-nkqubo ngumgaqo-nkqubo ongcono we-inshurensi onokuwuthenga.

_{Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.}