Icandelo indlu kwi mortgage ku amaqabane mtshato

Enye yeengxaki engxamisekileyo ezivela sokuchitha lomtshato kuqwalaselwa yinxalenye yale propati. добавляет еще больше сложностей. Ngexesha mtshato Iapatmenti e mortgage wongeza zintsonkotha ngakumbi. Kwimeko nganye bokuqonda yayo. Kulo mba, ulwabiwo olucacileyo noxanduva algorithm kwesi akananto no. . Esilandelayo ukuze sikwazi endlini kwicandelo mortgage ekuqhawulweni komtshato.

Ukuhlobana umbuzo

Ngoko ke, i ingxaki ehamba icandelo yokuhlala --mboleko. на сегодня не выработала единого подхода к вынесению решений. Le kileyo ukuza kuthi ga ngoku akukho liphuhlise inkqubo emanyeneyo ekwenzeni izigqibo. Kaninzi amagunya ezahlukeneyo athathe isigqibo esahlukileyo. Le meko nzima nangakumbi ngumba wokuba imbambano ibandakanya umdla amaqela amathathu - indoda, umfazi kunye kwiziko lamatyala. Kwiimeko ezininzi, nokwabiwa koxanduva kakhulu ithintela ilungelo naliphi na iqela. Ngokomzekelo, xa kusenziwa, kwiimeko ezininzi apho owayesakuba ngumlingane, akanayo kule ndlu (okanye inxalenye yayo) kweli candelo, ukunyanzelwa ixesha elide ngokwaneleyo ukuyibuyisa le mali uyibolekiweyo. Iingxaki badla uvuke kwiibhanki. Ngokomzekelo, amaziko ngetyala onqwenelela ukuthengisa impahla, apho kukho ukulibaziseka, wajamelana nesibakala sokuba, yinkundla, akusekho ipropati kuphela komntu onetyala.

nemiqathango yolawulo

, обуславливаются в первую очередь недостаточной правовой регламентацией этого вопроса в гражданском и семейном законодательствах. Nobunzima ahambisana zokuhlala candelo, ezithengwe-mboleko, ngenxa kakhulu yokungabikho ummiselo osemthethweni nalo mba emthethweni yoluntu kunye nosapho. Inkundla eqwalasela iingxabano ezinjalo, ekhokelwa yi amalungiselelo UK, i-Code Civil kunye nenombolo Federal Umthetho 102. Ukongezelela, kuthathelwa ingqalelo imiqathango yesivumelwano waqukumbela ebhankini. Ekuhlalutyeni ezi zenzo kufuneka luchonge mgaqo ulandelayo. indawo Ukuphila bafumana abafazi abatshatileyo ukuze mortgage kuthetha ithathwa kwipropati ngokudibeneyo ezifunyenwe ngawo. Oku, kubandakanya osemthethweni. impahla Joint nabanako ukwahlulelana ngokulinganayo phakathi amaqabane, ukuba ezinye umyalelo ayixhomekekanga kwekhontrakthi lomtshato. Xa iimpikiswano musa mahluko kuye into ahombise. Amatyala zemali babelwa ngokulinganayo amaqabane, kungakhathaliseki ukuba ingaba co-kubaboleki okanye mboleko wakhutshwa nomntu omnye. Ngoko ke, lo mgaqo "50/50". , не так просто. Ngelo xesha, ezindlini icandelo wambamba yokwenene, ibekwe mortgage, akukho ilula kakhulu. Isibakala sokuba into eseliganiwe umbutho zebhanki. Nomkakhe, ukuba ngokusemthethweni abanini abakwazi ngokukhululekileyo ukulahla impahla.

isivumelwano umshado

Ukwenzela ukuphepha iingxaki ezahlukeneyo, amagqwetha bacebisa ukuba sibini ukungena kwimvumelwano. Ngelo umthetho efanayo ivumela nokubhaliswa kwesivumelwano naphambi nobhaliso lomtshato, kwabe emva kwazo. Ngelo xesha, nangona iingenelo ezicacileyo lolu xwebhu ukwenza ngaphandle ezininzi yakhe (hayi ngaphezulu kwe-5%). Kuyenzeka ukuba babhalise ezahlukeneyo iimeko. Njengoko umthetho, isivumelwano umisela inkqubo ukwahlulwa kwepropati, nokuvalelwa abantwana kunye nezinye izinto ezibalulekileyo.

Iziqiniseko for bank

amaziko Credit zizama ukuba sikhuseleke. . Xa usenza ikhontrakthi host kwaye benza isivumelwano kwi kwisahlulo indlu kwi amaqabane mboleko. amaziko Credit aye ajongana ngokuphindaphindiweyo kunye neengxaki, siye wazuza amava olwaneleyo iimbambano. позволяет банку минимизировать риски. Isivumelwano kwi kwisahlulo indlu kwi mortgage ivumela Bank ukunciphisa imingcipheko. Amaziko amaninzi lokubolekisa bazama ukwenza indoda nomfazi co-kubaboleki. Oku, ngokubanzi, yingenelo kunye abemi ngokwabo. Kulo mzekelo, zizidibanise ingeniso yabo kwaye bafumane imali engakumbi. iibhanki emininzi iquka kweli gatya ikhontrakthi echaza ukuba xa mtshato co-kubaboleki ngokwemiqathango yesivumelwano kuhlala ingatshintshanga. Lo mzuzu i isiqinisekiso eyongezelelweyo isakhiwo ngetyala. Ukuba abemi uyavuma ukuba le meko, umtshato owaphukileyo, kwaye omnye wabo kamva wala ukuhlawula imali, izibophelelo zemali ngokupheleleyo ziza kugqithiselwa kumququzeleli we-nye umnikimali nomamkelimali. Esi sibonelelo ukhusela, Kakade ke, kuphela iimfuno zombutho zebhanki.

Khetha zokusombulula ingxaki

Ngoko ukunciphisa indlela imingcipheko kwanawokuqhuba ukwahlulwa kwepropati? – имущество, права на которое ограничены. Indlu e mortgage - amalungelo empahla ulinganiselwe. Ngoko ke, i co-umboleki unako kuqhubeka emva komtshato ukuba ukuhlawula imali-mboleko, okanye ngokukhawuleza ukufumana isixa angekhoyo, ukuba ndokuhlawula ngaphambi kwishedyuli. Xa ityala baya kutshatyalaliswa, ilifa lokwenene kubekwa kwintengiso. Ngokuqalisa into ezibe intsebenziswano obolekayo ekwabelwana phakathi isixa. Kukho enye indlela. A co-umboleki sithengise into ukuya imvume ebhankini. Kuthiwa ukuqikelela impendulo kwiziko lamatyala kwityala kunzima. I-Bank unokuvumela isindululo co-kubaboleki, ukuba bafune intlawulo yokuqala imboleko, ukususela ngokuchithwa umtshato kugxobha imiqathango yesivumelwano engundoqo, okanye kunyanzelekile ukuba uqhubeke nokuhlawula ityala ngaphandle kokuthengisa into.

ugwayimbo olungakho liziko credit

iibhanki abaninzi ukunika imvume kuzalisekiso izindlu. Kulo mzekelo, umbutho enciphisa ubungozi non-ukuhlawula ityala. Emva kokufumana imvume amaqabane ukufumana umthengi ovumayo ukuthenga into nge umthwalo onjalo. Umnini entsha ifumene ilungelo lobunini, kuyimfuneko kuqala ukuze abuyekeze isakhiwo ngetyala semali ityala. Ke kuya kufuneka alinde de inkqubo epheleleyo ye kususwa encumbrances. Kuphela emva kokuba ukuba umthengi uza kukwazi ukufumana ilungelo. Asingabo bonke abathengi uyavuma ukuba kwiimeko ezinjalo, kuba iingozi phezulu. Ngelo xesha, nokuba uphuhliso meko kunye nokuphunyezwa into owayesakuba co-umboleki kuya kufuneka ukuba aqhubeke ukuhlawula ityala. Kungenjalo imeko yawo zimbi kakhulu.

ilungelo Bank

umbutho Credit akafumani iintlawulo ityala, unako ngokuzimeleyo kuthengisa impahla. Ngokuba lo kwifandesi zihlelwe. Iyafuna esithi ixabiso le into kulo mzekelo uya kuba ngaphantsi kakhulu ngexabiso nemakethe. Imali efunyanwa ekuthengisweni, isakhiwo ngetyala ubamba inqununu, inzala, izohlwayo, kwaye inzala hayi itsaliwe iindleko yokulungiselela esidlangalaleni. Intsalela iya kusasazwa phakathi yangaphambili co-kubaboleki. Inoku engqondweni, i-sibini ngokubanzi ukuze ahlale ngaphandle yokuhlala ingahlawulelwanga mali.

into ebaluleke

Imigangatho lifakele eziliqela lokuququzelela-kubaboleki, icandelo abo basandula kuqalisa impahla. формально находится во владении лиц, которые согласились на условия банка. Indlu e mortgage yasesikolweni ilifa abantu abaye bavumelana imiqathango Bank. Phakathi kwabo - imbopheleleko co-kubaboleki ukuba azise nayiphi na utshintsho ebomini babo. Ngako oko ke, kufuneka azise ebhankini kunye mtshato.

ngeziphumo

Ukuba esi sibini asikwazi kufikelela kwisivumelwano, kuyimfuneko ukuba uye enkundleni. Kodwa ke, njengoko sesitshilo ngasentla, zinyanzelisa ngokucacileyo isiphumo yeengxoxo akunakwenzeka. Inkundla ingayalela ibhanki ukwenza iinkqubo ezilungiselelwe izindlu ezithengiswayo, ukuba ayihlaziye imvumelwano nayiphi na co-kubaboleki okanye ukumisela ex-Umfazi kunye nomyeni wakhe bayaqhubeka ukuyibuyisa le mali uyibolekiweyo. Le nto yonke yezisombululo ezinokusebenza kule ngxaki. Ukuba ngaba ukulungele ukuqhubeka intsebenziswano umboleki lokuhlawula imali-mboleko ukuze athengise nendawo eziphilileyo, usenakho otshatileyo ukuqhuba icandelo kule ndlu. должники очень зависимы от банка. Ezi abanamatyala mortgage zixhomekeke kakhulu elunxwemeni. Ngoko ke, ngaphambi kokuba nayiphi na inyathelo kufuneka uqhagamshelane isakhiwo ngetyala ukuze ziphunyezwe. до официального расторжения брака, то им нужно написать совместное заявление об этом. Ngako oko, ukuba kukho intsebenziswano ubolekayo isigqibo ku tirhisa kwicandelo yeflethi kwi mortgage phambi komtshato esemthethweni, kufuneka ubhale i isimemezelo oko. Kodwa kule meko kunokuba yingxaki. Umzekelo, ibhanki angala yentsebenziswano-nye umnikimali nomamkelimali. Umbutho Credit akakwazi amalungiselelo imali yengeniso omnye abanamatyala, nto leyo ke kunyanzeleka ukuba asebenze njengequmrhu elizimeleyo. невозможен по техническим причинам. Kusenokwenzeka kwakhona kwenzeka ukuba candelo indlu kwi mortgage akwenzeki ngenxa yezizathu ezithile. Umzekelo, oku iqulathe kwigumbi elinye, kwaye ukhethe isabelo. Kunjalo, co-Nobolekayo ukuze umngeni isigqibo isakhiwo ngetyala.

Njengenye enokukhethwa

njani enye uchitha ukwahlulwa kwepropati wabalingane? переоформляется на одного из них, а второй безвозмездно или за определенную сумму отказывается от прав на недвижимость. Indlu e mortgage yakhutshwa ngomhla omnye kubo, kwaye eyesibini simahla okanye isixa esithile ayinambango propati. Kulo mzekelo, i yokuqala ibonisa isinyanzelo ukuba aqhubeke ukuyibuyisa le mali uyibolekiweyo. Ukuba ibhanki uyaneliswa yokuhlawula amatyala kwi co-yomboleki, akwazi ukubhalisa ukugqithiselwa ekunene ngokwayo emzimbeni ogunyazisiweyo. Ngokuqhelekileyo, ibhanki kuthatha imali sohlaziyo yesivumelwano (0.5-1% etyala eseleyo).

Icandelo empini mortgage eflethini

Le nkqubo luphawulwa into yokuba izibophelelo ngenxa zibekwa kungekhona zabemi kunye kwiSebe lezoKhuselo. Njengelungu kweenkqubo mboleko, kwakunye umnini, ukhonza umqeshwa, kungakhathaliseki ukuba yena nentsapho. не требует участия жены/мужа. Kule meko, icandelo omthebelele mortgage ayifuni ukuthatha inxaxheba yomfazi / umyeni. ZifunwaEzokugqibela zidweliselwe akazibandakanyi kwezinye iimeko. Umzekelo, indlela engagqibekanga okanye ezinye ukunyhashwa nesivumelwano semboleko isibophelelo ukuyibuyisa imali eyabelwe kuphela umsebenzi.

Elona umshado

. Siye sahlolisisa ngaphezu icandelo phakathi amaqabane yokuhlala. , между тем, может быть оформлена и сожителями – лицами, состоящими в "гражданском" браке. Yemboleko, elingumthombo, nokuba uzimele kunye ukujola - abantu abakulo emtshatweni "yoluntu". Njengoko usazi, musa kusebenza kwiimeko ezinjalo izibonelelo ze-UK. Ukuba indoda nomfazi akazange bangena kwisivumelwano esibhaliweyo, ke indlu ihlala kwanalowo ngetyala ebikhutshwe amathuba enkulu. Kakade ke, asinguye wonke umntu wanelisekile, njengendlela ukuba ihlawule imbophelelo zombili ekwanti. Kwiimeko ezinjalo, kufuneka ubungqina kwenxaxheba elidityanelweyo iintlawulo. Ukuze wenze oku, kufuneka unikezele amaxwebhu engqina izityholo. Kusenokwenzeka irisithi, akhawunti iingxelo, iirisithi njalo njalo. Ngokufanayo, kufuneka uyenze uze xa ufuna ukungqina ukuba ukulungiswa ezidityanelweyo okanye ukuthenga zombane ezibizayo. Uyacetyiswa ukuba ityala igqwetha abaqeqeshiweyo.

Loan ngaphambi komshado

Njengoko kuchaziwe kuMgaqo-UK, yonke into ezifunyenwe ngexesha lomtshato ababhaliswe ngokusemthethweni, oko kuqhelekile. Ukuba into ezifunyenwe phambi komtshato, usebenza amalungelo impahla yakhe. Kodwa umthetho usapho iqulethe iqela umlinganiselo. Ngokukodwa, ngokungqinelana nemigaqo, owayesakuba ngumlingane unelungelo ukwabelana igumbi, ukuba iintlawulo zokubambisa zenziwa ndawonye phambi ukubhaliswa ubudlelwane. Iimfuno kulo mzekelo unako ukuvelisa nommi eyaphukileyo. Income elinye iqabane kwimeko enjalo ziya kuqwalaselwa eqhelekileyo. Ngokufuthi iimbambano ziyasonjululwa egameni lomntu abangasebenziyo.

Housing kwisakhiwo esitsha

Le meko kunye icandelo zokuhlala kwizakhiwo phantsi lokwakha kunokuba nzima. Ngokutsho imithetho, ubunini bendawo abaphilileyo ingakhutshwa kuphela emva kokuba ngokubeka ukusebenza kwezakhiwo. Ukuziqhelisa, kukho meko ezimbini:

1. Ukuba mboleki kule ngongoma, inyibilikise umtshato, kuya kunyanzeleka ukuba ahlawule imbuyekezo kumyeni / inkosikazi. Ekufikeleleni esi sigqibo, inkundla ithatha ingqalelo into yokuba kukho intlawulo kunye mali-mboleko. Kodwa ke, kubaluleke kakhulu kule meko ukuba zombini kwisakhono igqwetha.
2. Xa umboleki utshate kokufumana isiqinisekiso, inkundla iya kubophelela ukwaba isabelo ezindlini ngaphambi komtshato.

Ukuba omnye owayesakuba co-ababoleka imali aloluhlobo intlawulo

Kufuneka wenze ntoni kule meko? Kule meko, iziko lamatyala kubuyisa contract kwi okuthenga amandla owayesakuba ngumlingane. Isifundo sesibini kulo mzekelo kususwe zonke izibophelelo. Kodwa ukubuyela ulahlekelwa ithuba ibango isabelo indawo yokuhlala. Kwezinye iimeko, ukungaphumeleli nomnye waba baququzeleli-kubaboleki lingaba ngaphezu kweenyanga ezi-3., Kodwa yena akafuni ukunikezela amalungelo abo. Kwiimeko ezinjalo, ukusombulula ingxaki ngeendlela ezimbini:

1. Loan co-umboleki obuyisela isinyibilikisi.
2. I-Bhanki liphumeza ipropati, kwaye iinkqubo ithunyelwe kwi akhawunti bentlawulo.

Ngokuqhelekileyo, iziko lamatyala nokuthengisa yokuhlala ngexabiso yancitshiswa malunga elingana kwelona tyala lakho elingummiselo. Oku ikhawulezisa kakhulu phezulu le nkqubo.

Mortgage ekuqhawulweni komtshato kunye nabantwana

Lo mthetho umisela ukuba naziphi na izenzo enxulumene ipropati yosapho, ithathele ingqalelo iimfuno bantwana. Ngokusekelwe kulo mgaqo, Ngokomzekelo, cinga imbambano, ukuthatha izigqibo ezifanelekileyo. Xa ukwahlulwa kwezindlu mortgage share abantwana kuyo nayiphi na imeko, iya kukhutshwa ukuba iqabane nabo ukuba bahlale. Ukuba ugqiba ukuba athengise indlu, yaye ubhalisiwe umntwana, kuyimfuneko ukumisela enyanzelekileyo. Kungenjalo, imeko inokuba nomdla izidumbu ukugada yolawulo lwamazwe ngamanye.

Ukuqesha indawo yokuhlala mortgage

Kwezinye iimeko, amaqabane isigqibo kunikezela phezu ingqesho mortgage indlu. Kufuneka kuqatshelwe ukuba izenzo ezinjalo mthethweni. Isibakala sokuba indlu leyo ilele ebhankini, ngokulandelelana, ebuhlungu. Ukuba imeko lubalulekile, kwaye co-obolekayo akanayo imali eyaneleyo ukuhlawula imali, ngoko, ukuba kudlule isithuba ephilileyo ukuba irente, kufuneka afumane imvume ubume bezemali.

isiphelo

Uqhawulo kaninzi sikhatshwe ezahlukeneyo iingxaki. Ngokubanzi, umtshato - hayi inkqubo mnandi kakhulu, njengoko iphathelene kuphela ngobudlelwane kodwa izinto nempahla. Amaxesha amaninzi, abantu abasondeleyo yangaphambili bazizo iintshaba ngokwenene. Kucacile ukuba wonke umntu ufuna ukuzikhusela ngokwabo. Abemi, eyenza-mboleko, njengoko umthetho, oko kubonisa ubukho naziphi na iingxaki kwixesha elizayo. Kodwa ke kubomi nantoni na enokwenzeka. Ngoko ke, amagqwetha ekucetyiswa ukuba uzikhusele ngokwakho ikamva ngokuthi asayine isivumelwano lomtshato. Olu xwebhu luya siphephe iingxaki ezininzi, gcina-luvo yakho, ixesha kunye nemali. Imvumelwano lomtshato liya mazingqinisiswe izivumelwano, enika ngokomthetho kuyo. Ukuba ingxabano lisekhona, kwaye kuza kufuneka silungise enkundleni, olu xwebhu luya kuba ubungqina elingenakuphikiswa msulwa.