Funda ngoxwebhu olubonisa ukuba imali yakho mboleko ihlawulwa
Ukurekhoda I-Reconveyance Deed
Isenzo sokubuyisana kufuneka sibhaliswe kwiirekhodi zikawonke-wonke zendawo apho ipropati ikhona khona.
Ukuba isenzo sokubuyisana silahlekile okanye sitshabalalise, sakha isihloko sobusuku kwaye sibeka ifu kwisihloko kuba akukho nto ibonisa ukuba umboleko uhlawulwe.
Ngethuba lokufumana umsebenzi we-real estate, ndijamelene neemeko ezininzi apho ukubuyisana okungazange kubhalwe khona, ngoko kuyaqheleke ngakumbi kunokuba ungaqala ukucinga. Kwenzeka xa umntu ehla ibhola ngexesha lokutshintshwa kwemali kunye nokulungiswa kwemfuno yomxhamli . Umntu omnye unokucinga ukuba ukubuyisana kwaziswa kodwa kwakungekho, okanye omnye uza kuba noxanduva lokulungisa ukubuyisana kodwa wayengawunaki loo msebenzi. Kukho izizathu ezininzi zokuba kutheni ulahlekile.
Ngaphezulu kwelo xesha, ngezinye iinkampani inkampani yenkampani ephethe i-inshurensi yento ethile ingayifaka isiqinisekiso. Ukuba oko kwenzeka, ngoko inkampani yesicatshulwa ngokuqhelekileyo yinkampani yenkampani amaqela aza kufuna ukuba afake ukuqinisekisa ukuthengiswa okulandelayo.
Unokuzibuza ukuba inkampani yomxholo ingagcina njani ukuthengiselana xa onke amaxwebhu engabhalwanga njengoko kuyimfuneko, kodwa bayakwenza. Inkampani yetayiti engazange iqinisekise ipropathi ekuqaleni iya kunqanda ukukhupha umgaqo-nkqubo womshuwalense .
Impazamo yokuxhomekeka kwempahla
Ezinye iimeko ziye zabandakanya umnini-mhlaba oye wahlawula umboleko kwindawo yokuqala, kunye nekhredithi yesibini evumela ukuba irekhodi libekwe phambi kwayo.
Oku kuthiwa ukulungiswa kwemboleko. Ngamanye amaxesha ukulungiswa kwemboleko kuyenzeka ngenxa yephutha, kwaye mboleko ibhalwa kwisikhundla sesibini endaweni yeprayimari. Ndiyabona oku kwenzeke ngakumbi xa kuthengiswa ngokufutshane xa umnini-mboleko wokuqala ongekho kwisikhundla sokuqala unqunyulwa ngumvuzo omncinci obuncinane kunokuba uya kuvuma ukuba wamkele. Oku kungathumela imeko emfutshane yokuthengisa kwi-hiatus kwaye umise inkqubo yokuthengiswa kwexesha elifutshane . Kungenxa yokuba umnini-mboleko wesibini ngoku uhlala kwindawo yokuqala kwaye unokwenqaba ukuhlawula.
I mpazamo
Mhlawumbi iingxaki eziqhelekileyo ezenzekayo kunye neentsebenzo zokubuyisana ziyimpazamo emincinci eyenziwe kwincwadi ngokwayo, njengokungaphaya kwamagama abobolekiweyo, ukungaphumeleli igama lomthengi okanye ukungena ngokungenanto kwenkcazelo yomthetho yendawo. Oku kungagqitywa ngokurekhoda isenzo sokulungiswa.
Ukungabikho kwamaRekhodi eMbali
Ngee-1970, abanikazi bezindlu batshisa izenzo zabo zokubuyisana njengendlela yokubhiyozela. Ngamanye amaxesha babecala ama-bonfires amakhulu kwaye bamema intsapho kunye nabahlobo kweso sihlandlo. Ingxaki kukuba ngamanye amaxesha atshisa isenzo sokubuyisana ngaphambi kokurekhoda. Ukuba ukubuyisana kungabhalwa kwiirekhodi zoluntu, nangona imali yafunyanwa ngumboleki kwaye ihlawulwe, umboleko ungahlala ungabhalwa njengoluhlawulelwayo, kwaye kwakhona, oku kufaka ifu kwisihloko.
Inkcazo yeRefinancing Result in Reconveyance
Namhlanje, ezininzi iimpendulo zenzeka ngenxa yokuba umninikhaya ukhethe ukulungiswa kwemboleko ekhoyo, kwaye ngokwenza njalo, umnini-mali uhlawula umboleko okhoyo. Abaninimzi abanamakhaya banomdla kwiinkqubo zemboleko eziye zinciphise umlinganiselo wenzalo okanye zandise ixesha lokubambisa (okanye ukuhlanganiswa kokubini), oku kwaphumela ekuhlawuleni kwenyanga ephantsi.
Kuyaba nzima ukuba abanini bezindlu bahlawule imali yokubolekwa kwempahla kwaye bafumane izindlu zabo zikhululekile kwaye zicacile. Abaninzi bayaqhubeka banda kwaye banda ngokuhlaziya ngokuphindaphindiweyo. Ukucinga okunjalo kungabangela ukuhlawula ixabiso elingaphezu kwelo xesha. Ngaphambi kokungena kwizinga le-teaser ukulungiswa, kungenza kube nengqiqo ukuqwalasela iminyaka eyongezelelweyo eyongeziweyo kwimali yakho yokubolekwa kwempahla okanye ukhetha ixesha lokunciphisa ixesha elifutshane.
Ngethuba lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia