Inkcazo: Inqaku lokumisela nje "isithembiso sokuhlawula." Iqule umenzi (umhlawuli) kunye nomboleki (umvuzo). Inqaku lesithembiso elingakhuselekanga aliqhotyoshelwanga nantoni na, umbolekiso wenziwa ngokusekelwe kumandla omenzi wokubuyisela. Njengokubamba ngesandla kodwa ngokusemthethweni kakhulu. Inqaku lesithembiso elikhuselekile linokuthi lenziwe ngokusekelwe kumandla omenzi wokubuyiselwa, kodwa likhuselwe yinto enokubaluleka njengemoto okanye indlu.
Ukuba ikhaya lakho lisetyenziselwa ukhuseleko kwaye ungagqibekanga kwinqwelo yokuthengisa, unokulahlekelwa ngumzi wakho . Amanqaku amaninzi athembisayo axhomekeke kwipropati aqinisekisiwe ngetyala lokuthembeka , eyaziwa ngokuba yi-trust of trust, i-mortgage okanye isivumelwano somhlaba , kwaye ezo zixhobo zibhalwa kwiirekhodi zoluntu. Amanqaku okunyusa aqhelekanga. Ngaba isixhobo sokuxabisa. Ukuba umboleki ulahlekelwa i-note yangaphambili ye-prom, unokufuneka ufumane i-inshurensi. Kuyinto enkulu inzuzo kwaye ibiza.
Ababoleki abahluleka ukuhlawula umbopheleleko wokubaluleka kwento ethile yokubaluleka isetyenziselwa ukukhuseleka ngokuqinisekileyo. Ngokomzekelo, ndandinomyeni wangaphambili, ngokuqinisekileyo, uninzi, kwaye omnye wabo wandibuza ukuba ndibhale i-note yokuthengisa ukuze athenge imoto. Xa wayeka ukwenza iintlawulo, umboleki wandibiza ukuba ndicele ukuhlawula. Ndafunda isifundo esibalulekileyo. Ungayibhalisi inqaku lesithembiso, ngokukodwa ukuba utshatile kwisifo sokubulala.
Ngaba Unokuyifaka I-Your Own Promissory Note?
Wonke urhulumente unemithetho yakhe malunga nezinto ezibalulekileyo zekhadi lokunyusa. Awufanele uzame ukudweba inqaku lakho lokuthengisa xa ufuna ukuba nethuba lokuqokelela xa iintlawulo ziyeka. Abanye abantu bacinga ukuba inqaku lesigxina lilula kangangokuthi banokwenza okanye bafumane ifom efumaneke kwi-intanethi.
Ukuba ityala libaluleke ngokwaneleyo ukuba ufuna ukuhlawulwa, kubalulekile ngokwaneleyo ukuqesha igqwetha ukuba lilungiselele inqaku lesithembiso.
Kukho nemithetho yempatho enokuchaphazela inqaku lesigxina, eli lizinga eliphezulu lemali enokuthi ihlawulwe kumbolekayo, kwaye i-IRS inento into ekuthetha ngayo ngamanqaku okunyusa, ngokunjalo abo bahlawulanga inzala. Ukuba inqaku lesigxina liphantsi kwexabiso elithile, i-IRS inokumisela umlinganiselo wayo wokwenza umdla kwaye iphose umboleki ukuba akhokhe irhafu kuyo.
Iimpawu eziPhambili zeNgcaciso yeSithembiso
Amanqaku amaninzi athembisayo afaka izinto ezilandelayo, kodwa khangela ngeemithetho yakho yelizwe:
- Umhlawuli weNgcaciso yeSithembiso: Lo ngumntu onyanzelekile kwaye uthembisa ukuhlawula ityala.
- I-Payee yeNgcaciso yeSithembiso: Lo ngumboleki, umntu okanye iqumrhu eliboleka imali.
- Umhla weNgcaciso yeSithembiso: Umhla wokuba isithembiso sokubuyiselwa siphumelele.
- Isixa seNgcaciso yeSithembiso: Ubuninzi bomntu obubolekwe nguMhlawuli-mali.
- Intlawulo yomdla weNkcazo yokuThengisa: Inzala yomrhumo ihlawulwe. Le nqanaba lentengo ingaba nomdla olula okanye inzala ebanzi phakathi kwezinye iindlela zokubala inzala.
- Umhla Wokuhlawula kokuQala kuKhutshwa kweNtlawulo kunye neNtlawulo elandelayo: Umzekelo wosuku lokuqala lokuhlawula lube ngumhla wokuqala lwenyanga kunye nomhla wokuqala wokugqibela weenyanga ezilandelayo.
- Umhla iSaziso seNgcaciso siphela: Lo mhla ungabanjiswa kwaye uhlawulwe kwinqanaba leentlawulo ezilinganayo kunye nokulingana ngosuku oluthile okanye lube ne- balloon yokuhlawula , okuya kwenza yonke ibhalansi engakhokhelwa ngenxa yosuku oluthile.
- Iimpawu zokuhlawulwa kwangaphambili kweeNkcazo zokuThengisa: Amanqaku amaninzi athembisayo angenayo isohlwayo sokuhlawulwa kwangaphambili kodwa abanye ababolekisi bafuna ukuqinisekiswa ngezinga elithile lokubuyisela, elingancitshiswa okanye elichithwe ukuba umhlawuli-mali ahlawule inqaku lokuthengisa ngaphambi kokukhula kwakhe umhla. Isohlwayo esivamile sokuhlawulwa kwangaphambili singalingana nesixa-sithuba seenyanga ezintandathu zomdla ongafunyanwa, umzekelo.
Kwaziwa kwakhona Njenge: inqaku lesithembiso
Iimpazamo eziqhelekileyo: inqaku lokumisela
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.