Isabelo amalungelo efulethini. Isabelo amalungelo endawo efulethini

Isabelo ifulethi zingaba inoma isiphi uhlobo lomsebenzi: I-utshalomali noma isivumelwano co-ukutshalwa kwezimali, kanye yokuthengisa zangaphambi ngemvume inkontileka nezinye. Isabelo amalungelo efulethini kungenzeka ngisho ne-mortgage obolekisayo. Abathengi kwalesi uhlobo kuthengiselana angenza noma yimuphi umuntu noma inhlangano.

Lolu hlobo sivumelwano avame kwenzeka esiteji ukwakhiwa ikhaya elisha. Ngakho, isabelo bamalungelo efulethini kuyinto ukuhlabana, ngenxa okuyinto iqembu yasekuqaleni (umdayisi) enikeza enye inhlangano (umthengi) amalungelo nezibopho kungenzeka, okuyinto ziyatholakala umdayisi maqondana wesithathu. Inkampani yangaphandle ngokuvamile umthuthukisi. Isivumelwane sivumeleke kuphela uma inkontileka Kakusizi ngalutho ukuthi ukudluliswa kwamalungelo isidingo efulethini akuvunyelwe.

Le nkokhelo ku parlance lomthetho ngokuthi isabelo. Umuntu umdayisi, ebizwa ngokuthi assignor kanye umthengi - onikeziwe.

Ngubani nesithakazelo?

Iningi ngokuvamile e izivumelwano zalolu hlobo unesithakazelo abathengi abavamile, ngoba ngezinye izikhathi ukudayiswa amafulethi ngentshisekelo endlini yabo kakade kuqedile. Kodwa ezinye izindlela yokuzuza ke endaweni ethile nje asipheli.

Kungani abadayisi Uzimisele ukunikezela amalungelo abo? Njengomthetho, izizathu zihlukile, siyakuphila sibala ezimbalwa nje.

Kungani ukudayiswa ifulethi isabelo amalungelo?

Kubalulekile ukwazi isizathu sangempela ukuthi utshelwa umdayisi ukuya into enjalo. Impendulo yalo mbuzo incike ngqo sendlela okuyingozi lokhu kuthengiselana. Ngokwesibonelo, ukudayiswa indawo kungaba ngenxa yokuthi umdayisi ayikwazi (noma ngeke) akhokhe izindleko ayi skwele nonjiniyela wayo. Kulokhu, kubalulekile ukwazi inani izikweletu zamanje ngqo kusuka kunjiniyela, kanye nemigomo buyiselo.

Kodwa nabathengisi eziningi zokuhlala sidle abafuna isivumelwano lwesabelo ngokuqondene kwezimo ezithile. Ikakhulukazi, umdayisi ungathola yifa lenu, futhi ayisekho abadinga izindlu, noma uthole sipho sezimali esingconywana.

Izinhlobo ezinkulu

Okwamanje, lwezinhlobo ezivame kakhulu ukudluliselwa amalungelo yilezi:

• isabelo kusekelwe kwisivumelwano cost-ukwabelana;
• ukunikezwa kwamalungelo, esekelwe inkontileka owandulelayo ukudayiswa.

Ezinye betemtsetfo

Isivumelwane isabelo kwamalungelo, ogxile esivumelwaneni ukulingana iqhaza, kumele kuphetfwe kuphela okwamanje lapho izonikwa imibhalo ukudluliswa ngendaba kuthengiselana. Kulesi efulethini kungenziwa zabelwa iyiphi inombolo ye izikhathi.

Kuvele caveat ezibalulekile: inkontileka main kanye inkontileka lwesabelo kumele ubhaliswe.

Ngezinye isiphelo sesimiso inkontileka e samuntu yesibili umthengi uthola owayenelungelo elingokomthetho lokubuthola izimfuno ngesiphetho nalo kuthengiselana ecashile ukuthengwa nokudayiswa a indawo yokuhlala esikhathini esizayo. Kanye afune izinto ngenkani kwabanye kuhambisana nemibandela nezikhathi zokukhokha, kodwa alinalo ilungelo kufunwe ukudluliselwa ubunikazi efulethini.

Lokhu kungenxa nobunyonici zomthetho yesivumelwano ukuthethwa kwecala. Ngokusho ke, umthengisi futhi umthengi akusho enze lokho kuthengiselana kwabo nesirili ukuthwala imisebenzi kuphela ukwenza esikhathini esizayo. Esikhathini isimo, uma ungena ukudayiswa kwesikhashana futhi ukuthenga izokhanselwa, umthengi entengisweni lwesabelo amalungelo ngeke unelungelo uthembele ngoba ifulethi, noma ngabe iyikho konke izindleko zalo yakhokhwa. Ukubuya wachitha izimali sizokwazi kuphela inqubo zokwahlulela.

Isabelo kungaba ngosuku okwenzeka basayine isivumelwano wokulungiselela, futhi ngaphambi kosuku ka ukusayina inkontileka main amaqembu.

Isabelo amalungelo ngaphansi mortgage

Isabelo amalungelo ifulethi ku loans mortgage futhi ukubukwa ngempela njalo ukuthengiselana okunjalo. Ngaphansi komthetho wamanje, umnikazi (the mortgagee) impahla unelungelo eligcwele, uma isivumelwano mortgage akuyona kungavunyelwe ukuze uthumele amalungelo abo efulethini komunye umuntu.

Kodwa, uzimisele ukuphetha ukuthengiselana okunjalo, kufanele sikhumbule ukuthi isabelo amalungelo ngeke kwenziwe ngaphandle kwemvume ebhange, okuyinto uba umbolekisi. Kulokhu, izimo yesivumelwano lwesabelo ukubeka phambili yiBhange kanye iyashintsha. Isikhathi esining impela, umbolekisi ayigcini izimo ngesikweletu umnikazi omusha we efulethini.

Ukuthenga indawo ngaphansi inkontileka lwesabelo

Ukuthenga ifulethi isabelo amalungelo kungenzeka ngesikhathi kwakhiwa sikhungo kuphela. kungenzeka isikhathi kuthengiselana ilawulwa Article 11 uMthetho Federal 214, othi esabelweni izimangalo uvunyelwe kusukela ngesikhathi sokubhalisa yesivumelwano ku iqhaza ngokuhlanganyela kuze kube ngomzuzu lapho amaqembu ngemvume itayitela ukudluliswa nasesakhiweni.

Khumbula ukuthi uma isitifiketi ukwamukelwa wasayinwa efulethini, inkontileka lwesabelo kwelungelo ukungena efulethini manje. Guqula kobunikazi kuleli cala bangase kwenziwe kuphela esiphelweni sesimiso lokuhambisa ukudayiswa a indawo yokuhlala noma uma kungenjalo enikeziwe umthetho osebenzayo, izindlela.

Kodwa inqobo nje uma isenzo ayisayindiwe, imicengezi isithakazelo banelungelo eliphelele ukungena isabelo. Iphuzu elibaluleke kakhulu: umdayisi kungenzeka ungenwa isabelo abathengi eziningana ezingase zibe. Lokhu kungenzeka uma efulethini kuyinto amakamelo angaphezu kwamabili. Okunjalo izenzo umdayisi lo mthetho akuyona akuvumelekile.

Imibiko Evelele Yonyaka isiphelo sesimiso inkontileka

Zonke izinhlinzeko eziyisisekelo enganyelwe Code Civil.

1. Isivumelwano ezisazoba ngomlomo, futhi ngaso sonke isikhathi kufanele kube ngokubhalwe phansi. Umthengisi unelungelo ukuphetha into enjalo kuphela uma lungenayo akuphikisani sivumelwano eziyisisekelo waphetha ngaphambilini nonjiniyela. Kaningi Onjiniyela ngokwabo zihlanganisa umushwana kwinkontileka main, okuyinto ngokucacile ukuthi ekuphetheni lesi sabelo kudingekile ukuthi athole imvume yakhe ekudluliselweni amalungelo kwenye onikeziwe. Uma iphuzu sishoda, umthengi namanje kufanele aqiniseke ukuthi umdayisi liyaziswa (kungaba ngencwadi) unjiniyela ukuthi isivumelwano isabelo amalungelo ukuphikisa kuyakhiwa. Uma kungenjalo, uma sebeqedile izindlu angasahlelwa idluliselwe welungelo.

2. Ngenxa yokuthi isivumelwano ku share iqhaza ibhekane yokubhalisa ayimpoqo, inkontileka yesabelo kumelwe ibhekane inqubo efanayo. Uma isivumelwano wokubhaliswa isimo nokulingana aphethwe, esikhathini esizayo unjiniyela unezizathu ezizwakalayo nginqabe onikeziwe e izimfuno zawo.

3. Uma inkontileka isidlulile inqubo yokubhalisa isimo, umthengi eqala wonke amalungelo nezibopho, uhlu elisezweni inkontileka enkulu. Futhi okwayo uzathwala zonke izingozi.

4. Lapho ephetha incwadi yalokho kuthengiselana, esabelweni esiteji izinkokhelo phakathi kwezinhlangano okwenziwa ukusetshenziswa ephephile idiphozi amabhokisi, futhi umdayisi uzokwazi eyolanda imali kuphela emva kabusha yokubhalisa yonke imibhalo edingekayo.

5.Pomimo ngemvume zombili, imibhalo esayiniwe unjiniyela. Iphepha njalo wanyathela ngombala oluhlaza okwesibhakabhaka, olubonisa ukuthi kuthenga eyenziwa ngenkululeko unjiniyela.

Iphakheji kwemibhalo ukuthengiselana

Ngemva ukusayinwa isabelo yesivumelwano umthengi kumele ibe unala madokumende alandelayo:

- isivumelwano esikhulu noma ikhophi kwasayinwa zazo kwatholwa isabelo;

- Imibhalo eqinisekisa zokuhlala phakathi kwezinhlangano yokuqala lesi sivumelwano;

- isenzo ngokudlulisela imibhalo ebalwe ngenhla;

- imvume isabelo kusuka ehlangothini lwesibili;

- inkontileka sokuqala.

Isabelo amalungelo efulethini: intela ekhokhwa

Ngokwe-Tax Code (Article 220, isigaba 1), ukunikwa intela, okumele ikhokhwe zimali sokuqala. Isihloko lemali intela, ibalwa okusekelwe isamba kuthengiselana, futhi ayikwazi esibaliwe umehluko phakathi nenani izimali kanye usayizi lesi sabelo.

Kaningi kukhona isimo lapho izibopho zezimali ukuze amashifu isimo ehlombe original lomthengi womuntu ngobukhulu, futhi leso sabelo lwenziwe amalungelo endawo nempahla indlu. Ngokuvamile, abantu bevumelana ukwabelana ngokulinganayo izindleko zezimali.

Isivumelwane isabelo okufunwayo has ubuqili eziningi. Ngakho, ngaphambi kokuba usayine noma yimaphi amadokhumenti, it is kakhulu Kunconywa ukuba ubonane ummeli osebenza izindlu nezindawo ukuthengiselana.