Indlela ukususa umthwalo ukusuka indlu emva kokuba uyihlawule mortgage?

Yiba ezabo indawo yabo yokuhlala - iphupha nawuphi na umntu. Ngethamsanqa akukho mda, xa ithuba kuvela, kwanokuba kufuneka ukuba ukuhlawula imali-mboleko. Kwaye xa ityala kubuyekezwa ngokupheleleyo, umbuzo umbuzo yendlela ukususa umthwalo ukusuka indlu emva ukuhlawula imali-mboleko.

Yintoni na imiqathango umgangatho mortgage yokubolekisa?

Ukuze siqonde lo mba, oko kuqala kuyimfuneko ukuba siqwalasele na imiqathango mortgage yokubolekisa. Njengomgaqo, isivumelwano kwibhanki okanye iqela lesithathu kwiziko lemali yokuhlala obhalisiweyo mali, nto leyo ke usisiqinisekiso yebhanka umboleki okunene ukuzalisekisa iimbopheleleko zabo. Ngoko ke, umntu uhlawula i-mortgage, unelungelo ngokupheleleyo ukusebenzisa izindlu, de ityala lihlawulwe ngokupheleleyo.

Indlela ukususa isiSwahili ukuba izindlu?

Izibambiso kufuneka nakanjani iphumele ukubhalisa kwiRejista State emanyeneyo. Ngokubanzi ukuba nasiphi na isivumelwano sokubambisa ithi zonke izithintelo transactions izindlu mortgage luza kususwa emva 100% kuhlawulwe ityala. Noko ke, inyaniso asindiswe akwanelanga. Kufuneka zibhalwe. Nangona kususwe encumbrances ukusuka indlu emva kokuba uyihlawule mortgage? Emva kokuba intlawulo yetyala ulwazi olutsha ungeneyo kwiRejista State nobunye apha naphaya. Umnini lifumana isiqinisekiso elitsha apho nguye umnini yedwa, yaye uxwebhu eqinisekisa ukususwa encumbrances. Kubalulekile ukuba uqaphele ukuba lo mba kufuneka ukuba bathethe ngqo obolekayo wangaphambili.

Ngaba kuvela ubunzima?

Ukususa isiSwahili lwepropati bathembisa ithathwa ukuba inkqubo eqhelekileyo, ngoko ke lula noko. Ukususela namhlanje, onke amaxwebhu kukhutshwa 's MFC lobulali, ngoko ke, ezinye iingxaki kusengenzeka. Amaninzi, iba ubunzima evela kumaziko zebhanki. Lo mbutho unyanzelekile ukuba isatifikethi esemthethweni echaza ukuba unetyala iye ihlawulwe ngokupheleleyo isixa esipheleleyo kwaye yavalwa isivumelwano. Oku luyimfuneko, ngaphandle apho IFC akayi anike uxwebhu ukususwa encumbrances, kwaye ungeno kwiRejista State esihlangeneyo aziyi kuqaliswa.

Ukususwa Procedure isiSwahili

Umthetho kudala yenzelwe imilo ngokubanzi, ekususeni umthwalo ukusuka indlu emva kokuba intlawulo yemali. Savings kunye namaziko ezemali ukuba ziwulandele ngqo lo umyalelo othile. Ukuqalisa inkqubo, mboleki nganye kufuneka unikeze la maxwebhu alandelayo:

• Iqulunqwe yi umboleki kunye nombolekisi lokusirhoxisa kwingxelo isiSwahili of mortgage akananto.

Okanye kungenjalo ukuba kwamkelwa le ngxelo maxwebhu alandelayo:

1. Ingxelo evela kumnini ngummeli wowona ulungileyo.
2. Statement yi umboleki nokubonelelwa yoxwebhu, apho kukho ingxelo yebhanki buyiselo yezibophelelo-mboleko.
3. Inkundla waqukumbela, ngokusekelwe apho inkonzo yemali imiswe.

Military Mortgage kubonelelwe phantsi kweemeko ezizodwa, ngoko ke ukususwa olusisinyanzelo encumbrances kwenzeka phantsi kweemeko isicelo igunya loluntu inikeza ikhono ukusebenzisa olu dweliso lwenkqubo.

Kwimeko apho mortgage yokubolekisa obhalisiweyo ulwakhiwo ekwabelwana, phambi kokuba wayisusa umthwalo evela indlu, kufuneka unikeze igosa uxwebhu evela umakhi, lowo waqala umsebenzi leprojekthi.

Ukuba sithethe ngale nto, ke kubaboleki bayayenza kunye zabuya i ingxelo kunye elunxwemeni otyalwayo, ukuze ufumane uxwebhu onjalo kuba ngokukhawuleza. Kungenjalo, ungacela umbolekisi iphetshana esemthethweni, nto leyo eya kuba luphawu intlawulo ngokupheleleyo kwetyala. Zombini ezi maxwebhu izizathu ezivakalayo ulwazi yobhaliso kwiRejista State emanyeneyo.

Ngelishwa, ukuntsonkotha le nkqubo kuboniswa practice. Njengomthetho jikelele, abasebenzi kwiRejista State nobunye kufuna obolekayo inani amaxwebhu ezongezelelweyo kwaye bayala ukuhlaziya ulwazi. Kulo mzekelo, ekususeni umthwalo ukusuka indlu emva kokuba intlawulo ilungelo indlu? Ukuze ukuba bangachithi ixesha ukutyelela ngqiqweni kwangaphambili bayacetyiswa ukuba batshekishe iinkcukacha evela kumbutho yebhanki, okanye ukufumana kwi Rosreestra. Umbutho unesizathu yenziwe yokundwendwela yomboleki, onke amaxwebhu phantsi kwesivumelwano sentengo yemboleko, kwakunye ingcaciso yobhaliso. Ukongeza, le nkonzo inika igunya loluntu ayikho free. I-avareji yeendleko ntlawulo malunga 350 engange.

ukuqala phi?

Kwanangaphambi kokuba intlawulo epheleleyo ematyaleni, kubaboleki abaninzi sele becinga ngendlela ukususa umthwalo ukusuka indlu emva kokuba intlawulo ye-mboleko (Savings Bank okanye elinye iziko). Emva kokuba intlawulo yokugqibela ityala mortgage, ubolekayo nganye eyenziweyo kuyimfuneko ukuba isicelo ebhankini ukuze ufumane ukuqinisekisa uxwebhu zonke izibophelelo inxalenye yayo umboleki sizaliseke. Amaninzi, iingcali mortgage ngemali, ukusebenza ibhanki usoloko ekulungele libonelele uncedo kunokwenzeka kunye nokuqhuba iingcebiso ophezulu wobunjani kwinkqubo ukususwa encumbrances. Kubhetele ukusebenzisa into yokuqala.

Eminye imibutho zebhanki uzame ukunikezela inkonzo iphezulu, ngoko, ngesicelo, ukuthumela iinkcukacha zabo kwi nokuvuthwa kokufakwa enobunye State kwiRejista Registry.

Indlela siqalise inkqubo ngokwabo?

Kwimeko ukuba ibhanki akwenzeki ukunceda umxhasi wakho ukuba ukunika ingcaciso kwiRejista State enobunye zonke ubolekayo kuya kufuneka ukuba enze ngokuzimeleyo ngokwee mfuno zabo. Kukho umyalelo umgangatho othile, nto leyo eya kunceda kuququzelela yonke inkqubo ze uchonge izenzo ngakumbi umboleki.

Kuqala kwinto zonke, phambi kokususa umthwalo evela indlu, kufuneka uqhagamshelane isebe lebhanki apho yesivumelwano bangena mortgage, uze ucwangcise isatifikethi yokuvala isivumelwano ngokunxulumene nokwenziwa nezibophelelo. Ukuba ngenxa yesizathu esithile kulahlekile ikopi yesivumelwano, oko kubalulekile ukuba ucele ukuba kwinqaku intlawulo epheleleyo.

Okulandelayo, umboleki abhale ingxelo kunye nesicelo ukuze kuhlonyelwe yobhaliso, ahlawule imali karhulumente kunye kuqokelela amaxwebhu ezongezelelweyo xa kuyimfuneko.

isicelo phi?

Indlela yokuqala, nto leyo kakhulu ubhalo - Ukusebenzisa ngqo kwiNkonzo Federal for Registration State, Cadastre kunye cartography. Kulo mzekelo, lwabasunguli kufuneka omabini amacala - umboleki owayesakuba ummeli yebhanki.

Indlela yesibini - filing amaxwebhu ngeposi ebhalisiweyo. Kulo mzekelo, ingxelo esisayinwe amaqela kufuneka kubameli.

Indlela yesithathu - njengesibonelelo online. Apho unako ufumane uncedo, indlela ukususa umthwalo ukusuka indlu emva kokuba intlawulo yemali. "Iinkonzo Public" - le portal esemthethweni, nto leyo eyenzelwe ukuba kube lula iintlobo ezahlukeneyo imisebenzi. Kubalulekile ukwazi ukuba kufuneka ube yogesi kwesi senzo. Kungenjalo, umsebenzisi iya kufumaneka ukuze yokungena inkonzo efolisiweyo ngekhompyutha kuphela.

Indlela lesine - amaziko ezijongene nemiba ngemiba yezemfundo, apho kukho uluhlu olubanzi kwi iinkonzo "window eyodwa". Indlela ukususa umthwalo ukusuka indlu emva kokuba intlawulo ye-mboleko (Sberbank) nge MFC? Ukuze wenze oku, kunye ne-sicelo kufuneka singeniswe kwi lombutho onke amaxwebhu ayimfuneko.

Ukususa isiSwahili Kucetyiswa ukuba isicelo MFC, kuba kulapha ukuba inkqubo yonke oluqhutywa thuba lifutshane kangangoko ixesha. Ukuba oku akwenzeki, ngoko unako ukuthumela ngqo isicelo Rosreestr. Noko ke, kuyaqondakala ukuba ngokutsha amaxwebhu nayo ifuna ixesha elithile. Amaninzi, isigqibo ngalo mba iya kwenziwa zingadlulanga ezintathu, ubuninzi iintsuku ezintlanu zokusebenza. Isigaba sokugqibela mhlawumbi yeyona bevuya kakhulu, kuba obolekayo ukwamkela kuphela sisicatshulwa esithathwe kwiRejista State emanyeneyo.

iingxaki eziphambili

Njengomgaqo, iingxaki ukutshintsha ubhaliso enxulumene umahluko phakathi ebhankini otyalwayo kunye obolekayo. Amaninzi, ibhanki akakwazi ukubuyisela emva kwexesha elifutshane ukulungiselela onke amaxwebhu ayimfuneko iklayenti, ngoko phambi kokususa umthwalo evela indlu, wacela ukuba ulinde inyanga. Oku kube ngenxa iimpawu nokuphuculwa kwenkqubo okanye imithetho yangaphakathi. Kwakhona, emva kokufumana isavenge sokugqibela ebhankini khangela zonke iintlawulo kunye elivumelana, nekufuneka bonisa yokungabikho naliphi na ityala.

Kubalulekile ukwazi umboleki ngamnye ukuba ukuvalwa yokuqala isivumelwano sokubambisa ecwangcisiweyo, ibhanki kufuneka azise ngayo inyanga, ukuba aqhubeke ukuhlawula size siphephe ukuxakeka amaxwebhu. Ukongeza, kukho nini na ithuba ukuhlawula ityala ngokukhawuleza, kungcono ukundwendwela ibhanki buqu kunye nokubonisana umsebenzi ngendlela yokwenza oku.

Ukuphendula kwiziganeko zakutshanje, xa amaziko ezininzi zemali-mvume ekhethiweyo, kubaboleki ezininzi kuphakamisa umbuzo njani ukususa umthwalo ukusuka indlu emva lokuhlawula imali-mboleko, ukuba ibhanki ivaliwe. Kuyo nayiphi na imeko, ukusekwa komthetho kunye neembopheleleko, leyo bayeka umsebenzi wayo idluliselwe kwelinye iziko. Kulo mzekelo, kukulo ibhanki kuya kufuneka ukuba isicelo sokususwa encumbrances.

Ukususa isiSwahili njengoko inkqubo mandatory

Ukususa isiSwahili kwempahla mortgage - kuyimfuneko ukuba ukusetyenziswa ngokupheleleyo kwixesha elizayo. Ngaphandle ngokungenisa ulwazi mboleki State Register Register nobunye, okanye onetyala uya kuhlala, ngoko akayi kuba nako ukwenza imicimbi yemali. Oko kukuthi, akayi kuba nako ukuthengisa emakhayeni abo okanye uyibeke ibe lilifa. Kubalulekile ke ngoko ukuba ukwazi indlela ukususa umthwalo ukusuka indlu, kunye nelungelo lokuba likhuphe onke amaxwebhu nangoko emva kukuvalwa ityala.