Lo ukuhlukaniswa kwempahla ngemva kwesehlukaniso, kwenkathi ukulinganiselwa ngesikweletu, ifulethi, imoto nempahla nezinye

Isehlukaniso - inqubo kabi nzima imibhangqwana eminingi. Uma wangaphambili imibhangqwana impahla izimangalo, inqubo eyinkimbinkimbi. I ukuhlukaniswa kwempahla ngemva kwesehlukaniso, inkathi komkhawulo ongakaqaliswa lidlule, kungaba ngaphansi buhlungu uma kukhona isivumelwano somshado noma ngokwenu intando kaNkulunkulu enhle amaqembu. Uma akekho noma ezinye, kuyodingeka ukuya enkantolo. Kodwa kufanele siqonde kuqala ukuthi yini impahla kumele ahlukaniswe isehlukaniso, futhi kulokho nkathi yesikhathi kunengqondo ukufuna usizo.

Kuyini ezohlukaniswa

Ukuhlukaniswa kwempahla ngokuhlanganyela ngemva kokwehlukana senzeka ngokuvumelana nezimiso aqine. Umkhaya Ohlukene bonke nezimpahla ezithathekayo, awanakususwa aluthola ngesikhathi umshado. Phakathi kwezinhlangano izohlukaniswa:

• Zonke izindlu ezidayiswayo: efulethini, igalaji, cottage, igumbi, esigodlweni.
• Land, isakhiwo nokulingana, yabelana.
• Izimoto.
• Ibhizinisi, amabhondi, amasheya.
• Bank imali.
• Zasendlini kanye ifenisha.
• Okunethezeka ubucwebe.

Uma abangane bomshado ahlukaniswe, kodwa isehlukaniso akufanele ekhishwe, yonke impahla zitholwa zombili izinhlangothi ngalesi sikhathi angabhekwa isihloko ezivamile futhi kuncike. lo ukuhlukaniswa kwempahla ngemva kwesehlukaniso, isimiso ukulinganiselwa ayiveli, ke izobandakanya kuphela ayithengile phambi isiqinisekiso esemthethweni zokuhlukana.

Akunakwenzeka ukuba kwahlukaniswe ifenisha kanye izingubo zezingane wathenga izidingo izinto zabo noma iminikelo namagama abo. ubunikazi Wezingane uhlala nomzali nabo abantwana. Ngaphezu kwalokho, ukuhlukaniswa kwempahla ka owakwakhe ngemva kokwehlukana akubandakanyi izinto siqu ngaphandle ubucwebe. Kodwa lesi simiso kungaba okuhlukile uma edayiswa noboya coat, umngane womshado unelungelo ukuba zitshele ukwahlukanisa etholwe ngemali yakhe.

Esikhathini ukuhlukaniswa kwempahla ngemva kokwehlukana efulethini obekungeyenye abashadayo ngaphambi komshado, akakwazi ukungena, kanye nanobe ngabe nguyiphi imphahla etholwe ngaphambi komshado. Uma ngesikhathi umshado omunye abashadayo wathola ezibonakalayo ezenziwa ngokungakhathali ngofuzo, awayona ezohlukaniswa.

loan kwesigaba

Namuhla credit - indlela ethandwa kakhulu ukuthola ukheshi. Futhi uma isizumbulu zingafundwa kuphela imvume ebhaliwe umlingani ke encane ebhange usizo lwezimali inikeza omunye wabo kuphela. Ukuqala i-ukuhlukaniswa kwempahla ngemva kwesehlukaniso, ifaka umkakhe engathandi ukwabelana, uma awubalulekile isignesha yabo ku inkontileka. INkantolo uyazicabangela isimo ngayinye. Uma imali kuthathwa ngenkululeko bobabili kwabashadile futhi wachitha ezidingwa umkhaya, isikweletu izohlukaniswa ngokulingana phakathi abashadayo.

Kodwa kuthiwani uma loan sathathwa ngenye inhlangano nezidingo siqu ngaphandle kwesaziso womshado? Muva nje, izinkantolo ziye izikweletu ezinjalo wabelane wazinquma isigamu ezimweni eziningi. Nokho, ngokuhlanganyela 13.04.2016 loans neyaziwayo kuphela lapho echithwa umndeni. Nihlola lezi zindleko kufanele kube ohlangothini ukuthi kudingeka zihlanganisa ukuhlukaniswa kwempahla ngemva ukubolekisa isehlukaniso.

izikweletu kwesigaba

kwesigaba impahla somshado ngemva kokwehlukana kwenzeka ngamasheya alinganayo. Uma kwenzeka ngendlela ehlukile, futhi omunye amaqembu iwine engxenyeni enkulu, isikweleti futhi ukungalingani. Ngakho, uma kungenzeka umyeni wakhe waklonyeliswa 2/3 amafa Imininingwane kanye izikweletu niyophiwa 2/3.

Imibhalo isilingo

Uma isimangalo kuba ngaphansi kuka-50 000, kubalulekile ukuba sisebenzise nemantshi. Uma ukubaluleka ephakeme, bayoba bahlanganyele iNkantolo yesiFunda.

Lawa madokhumende alandelayo kufanele bufakwe:

• Passport noma ezinye umazisi.
• о разводе (копия должна быть заверена нотариально). Isehlukaniso isitifiketi (ikhophi kumele kube kwasayinwa).
• phezu uphikise impahla amadokhumenti: amasheke, ama-oda, ama-passport lobuchwepheshe, amarisidi, isitifiketi sobunikazi.
• Ulwazi mayelana nokwakheka kwe-umndeni.
• Paid zempahla.

Ubufakazi akazange kakhulu kuthinte ukuhlukaniswa kwempahla ngemva kokwehlukana.

isikhathi komkhawulo

umkhuba yeKambiso ezimeni impahla division Akucaci ngokuphelele. Ngokusho Art. 9, k. 7 Ikhodi Family, inkantolo ingase bafaka phakathi neminyaka emithathu. Kodwa Snag wukuthi lezi iminyaka kubalwa kusuka ngesikhathi enkulu yokuchitheka komshado.

Kukuphi ukubala

Kubonakala ukuthi ukuhlukaniswa kwempahla ngemva kwesehlukaniso, okuyinto umthetho ukulinganiselwa yisikhathi, iyokwenziwa kungakadluli iminyaka emithathu ngemva kokuthola idokhumenti evidencing le nokwahlukana umndeni. Nokho, akubona bonke lula kangaka lolu daba.

Eminyakeni emithathu iqala ngophawu esikhathini lapho party bezwa nokwephulwa kwamalungelo akhe impahla. Futhi, usuku okuyinkomba usuku lapho umyeni kwadingeka afunde okuthile ngako. indlela enjalo kakhulu ukushintsha isimo, ngoba ukuhlukaniswa kwempahla ngemva kwesehlukaniso, inkathi komkhawulo (iminyaka engu-5, no-10, noma ngisho engu-30, amalungelo ayikwazi wephule), okuyinto ngombandela enwetshiwe - ke zako kungenye indaba. Kaningi kuyenzeka ukuthi indoda iyakushiya umkakhe zonke, becabanga ukuthi impahla kumele uthole izingane washiywa umkakhe. Kodwa nge kwesikhathi kanye nomhlaba obhekwe umndeni entsha kuthandwa zingashintsha, kungalungiswanga nezindaba izindlu zidinga uya enkantolo ngenxa ukuhlukaniswa kwempahla.

Ingabe kufanele ngingene ugijimele kwesigaba

Cabanga ukuthi indoda yesimanje alazi isikhathi kwesikhathi komkhawulo, kunzima. Noma kunjalo, kukhona amacala ukuthi oyedwa noma bobabili kwabashadile kukhona ekujaheni ukwehlukana impahla.

Naphezu ithuba lokuhlanganyela izinto zabo eziningi futhi ngemva kweminyaka emithathu, kufanele kube okuhle kakhulu izizathu lokhu. Izazi eziningi ukuncoma hhayi uyephuza ukuhlukaniswa kwempahla ngemva kokwehlukana. Isikhathi komkhawulo uphela ngemva kwezinyanga ezingu-36, futhi isiphetho yicala bafaka kamuva, kuncike ijaji. Ngaphezu kwalokho ke kudinga ubufakazi obunamandla bokuthi oshade naye ehlushwa ongakayisebenzisi uyaziqaphela kwamalungelo abo.

Uma, ukwenza isibonelo, ngemva kwesehlukaniso, umyeni washiya efulethini kumkayo, kodwa ngemva kwesikhathi satholana, wathola ukuthi impahla ithengiswe noma kuxazululwe ukuba nabanye abantu, ufanelwe ukuba zitshele lo ukwahlukanisa. Futhi isibalo iminyaka emithathu kusukela osukwini esakhishwa ngalo owayengumyeni wakhe sezwa ngalokho isiphetho efulethini.

Kufanele kuqondwe ukuthi kwesigaba Shelving liyakhula hhayi kuphela intengo ingcebo, kodwa futhi ubukhulu izindleko enkantolo. Ngaphezu kwalokho, isikhathi eside omunye wedwa isebenzisa impahla ezivamile, i-nzima kuyoba ukumenza ukuba bahlukanise impahla. Ubuvila, ithemba yizicukuthwane noma kazwelonke "mhlawumbe" kungamenza alahlekelwe ingxenye enkulu imali ingqikithi. Musa ukudonsa phezu kwesigaba, kungcono ulithumele kanye isehlukaniso.

Izifundo

I oyisazi ngaphansi kwesigaba amafa ahlukahlukene kanye nezikweletu we owakwakhe wangaphambili kumba eqolo. Ukuze uqonde mkhuba jikelele kufanele kubhekwe ngangokunokwenzeka izibonelo izimo ezifanayo. Ngezansi sizoxoxa ezimweni eziningana.

ISIBONELO evuma

Phakathi umshado, abashadayo sathathwa nguye ofanelwe udumo ngenxa. Incwadi yesivumelwano yasayinwa egameni nomkayo, abenze wasebenzisa umshini phambi isehlukaniso. izinkokhelo Loan wenza kusukela isabelomali umndeni.

Esikhathini esithile kamuva umkakhe bafaka isimangalo esigabeni credit. Izibalo zikhombe ukuthi izikweletu ikhokhwe ngokwengxenye, anxenxa uhlukanise okusele ngokulinganako phakathi kwakhe kanye owayengumyeni wakhe.

Njengoba usuyitadishile izimo, inkantolo yanquma ukuthi ukwanelisa isimangalo ngokugcwele, ukushiya imoto kumkayo, kodwa yayala umyeni wakhe ukukhokha inani elilingana izindleko imoto.

Ecaleni abashadayo zangaphambili yasayina isivumelwano. isivumelwano sabo wavumela owesifazane ukugcina imoto, ukukhokha imali, kodwa umlingani engakhokhi loan. Isivumelwano evunywe enkantolo.

ISIBONELO 2 №

efulethini Ushadile, imoto, abantwana abazalwa itholwe yi abashadayo. Ngemva kweminyaka engu-20 beshadile, umkakhe wathi ukuthi uyahamba kwenye, futhi wafaka isicelo sesehlukaniso. Ukuhlala e beshaqekile owayengumyeni wakhe bathutha abazali babo, akhohlwe efulethini wabelane. Wona wathatha kuphela imoto.

Ngemva kweminyaka engu-4 owayengumyeni wakhe wathola ukuthi efulethini esithengiswa ngayo. Wabuza inkantolo ukwehlukana izimali wathola ngaphansi ngokuhlanganyela impahla idili. Nokho, inkantolo uyakuphika isicelo sakhe ngoba isimiso ukulinganiselwa siphelelwe yisikhathi.

ISIBONELO 3 №

owesifazane ongashadile ngathuthela kwelinye idolobha ngoba uyise abazali bedinga ukunakekelwa. Ngemva konyaka, indoda wayithumelela amaphepha isehlukaniso, eyayibonakala esisayinwe ke. Buyela emzini wakho kungenzeka iminyaka 5 Kamuva, ngemva kokushona kukayise. I ngokuhlanganyela atholwe ifulethi nomyeni wakhe, wayengenakukwazi uthole khona, ngoba umkayo esanda wakhahlela imkhiphe.

Owesifazane lethulwa ezithebeni zenkantolo ngesicelo ukubuyisela yisimiso ukulinganiselwa. Nommeli ongumakad 'ebona lakwazi ukuba zizibonakalise wakhe, futhi umphumela waba ukuthi inkantolo abuyiselwe kwethemu ex-unkosikazi wakwazi zuza nxenye of babe impahla ezivamile.

isiphetho

Kungakhathaliseki ukuthi esindayo isehlukaniso iphuzu zokuziphatha umbono, asikwazi ku imizwa. Okokuqala kubalulekile ukuhlonipha izithakazelo zayo futhi ukuthola konke kuyadingeka ezimweni ezinjalo ngokomthetho. Okuphuma elikhulu - uhlu impahla ezivamile futhi hamba naye kudokotela onguchwepheshe ngubani ubande uma ukhuluma naye futhi ngokuphumelelayo kufinyelelwa esivumelwaneni yokuzithandela.

Uma izingxoxo ecaleni lesibili abameli yayingasoze asithe umuzwa, kungenzeka ukugwema umbango, izindleko ezengeziwe futhi ngokuthula ukwabelana zonke izinto zabo emuva-breaking zabasebenzi.