Encumbrance - kuyini? Ukususwa kwezimiso encumbrances ku mortgage. Ukuthengisa nge encumbrance

welithi "umthwalo" manje ngokuya ezivamile. Kusho ukuthini lokhu? Ngamagama alula, kuba uhlobo ekuthatheni impahla noma ingcebo. ukwethula kwezithibelo ezithile ukuthi ungavumeli ukuba ulidle ngokugcwele eyodwa noma kwesinye isakhiwo ngesisekelo ube yisivumelwano esibhaliwe. Kuwufanele benaka yokuthi umthwalo kungenzeka kungakhathaliseki umnikazi, isibonelo, ukuboshwa ebhange, futhi mhlawumbe efuna ukubaphilisa - isibambiso welinye ifulethi noma indlu. Kunoma ikuphi kukhona ukulinganiselwa ukwenza amadili, amakontileka, njll

izinhlobo encumbrance

Zabo ziyisiliva eziningana. Okuvame kakhulu - isibambiso noma ukuboshwa. Uhlobo lokuqala wenziwa phezu kwemvume yomnikazi, isibonelo, udinga ukukhokha izikweletu kanye efulethini kunikezwa sebheyili. Kepha ukuboshwa, kuba izinyathelo ayimpoqo, kanye nentuthuko eyengeziwe kuxhomeke isinqumo senkantolo, lapho impahla noma izakhiwo kungenzeka ngokugcwele noma ingxenye ashaqe noma bebuya esihle, njll

Olunye uhlobo encumbrance - kuba yerenti, noma kunalokho, ilungelo lokusebenzisa impahla okwesikhathi eside isikhathi esingeqile onyakeni owodwa. Trust ukuphathwa (DM), okubandakanya esitokisini noma sivikelwe, futhi libhekisela kumuntu uhlobo kokuquleka. Kunezinye encumbrances ukuthi afakiwe kuleso sakhiwo ngokuvumelana nemithetho.

Kukhona omunye Iphuzu elithakazelisayo lelo, okuyinto bambalwa abantu unake: ukwedlulela impahla komunye umuntu wonke encumbrances ahlale, okungukuthi, izikweletu kumele akhokhe umnikazi wamanje. Kungenxa yalesi sizathu ezilula ukuthengiselana, udinga ukwazi ukuthi yonke into ihamba ngendlela kule ndaba. Uma kukhona encumbrance efulethini, kuba isikhathi ukubonakalisa. Ake sibone kabanzi.

Ukususa encumbrance ka mortgage

Le nqubo wenziwa kuphela ngemva umboleki ukugcwalisa ukuhlangabezana nezimfuneko zenkontileka futhi ngokugcwele akhokhe boleko ifulethi. Kuyaphawuleka ukuthi ngokuvamile inqubo imisiwe isikhathi eside, futhi umuntu othola asemrarweni. Akucaci eyodwa: kungani athathe isikweletu ebhange kungaba iyashesha, kodwa ukususwa encumbrances ku mortgage ihlala isikhathi eside? Hhayi ukuze overpay hhayi ukuba baphendukele abameli, ukugwema yayo. Ukuze wenze lokhu, kudingeka imali ebolekiwe ngokushesha futhi ucele incwadi evela ebhange usuqede imigomo yenkontileka. Ngaphezu kwalokho, kumele sihambisane sicashunwa akhawunti loan okungukuthi abatshelekayo phindisela ngokugcwele. Encumbrance maduze isuswe. Ungakhathazeki, uma imibhalo ayovulelwa iviki engaphezu kweyodwa (kodwa hhayi engaphezu kwemibili), njengoba kudingwa yi-inqubo. Khona-ke ubutha amaphepha adingekayo, okuyilona elidingekayo ukuya Rosreestr ukuthi asuswe umthwalo. Lihlanganisa amaphepha ezilandelayo:

• Imibhalo efulethini, endlini, njll
• BS (elondolozwe ku ebhange).
• Idokodo eqinisekisa ekukhishweni yesivumelwano (ukuthole ebhange).
• Ukuqedwa Isitatimende encumbrance.
• A ipasipoti irisidi ukukhokhwa kwezintela.

Kuyini ukudayiswa ne encumbrance?

Njengoba sekushiwo ngaphambili ukuthenga okuthile, kufanele uhlole ngokucophelela wonke amadokhumenti, ezifana nokuba khona izikweletu, njll Yiqiniso, zikhona imithetho ekhethekile ukusetshenziswa, ezivuma imikhawulo encumbrances ku isakhiwo esithile. Lona iqashwe efanayo, okuyinto, nakuba kungavunyelwe ukuba angene okwenziwe ingcebo, kodwa wenza izinguquko ukuze inkontileka. Uma, ukwenza isibonelo, umnikazi ithengiswe efulethini, yena Rents kumuntu wesithathu, une umnikazi omusha uyavuma ukuhambisana nayo yonke imigomo yenkontileka.

Kukhona into efana easement. Eqinisweni, kungcono ilungelo lomhlaba, okuyinto engavimba inkontileka. Ngokwesibonelo, kungenzeka ukuba abeke ingxenye zokuxhumana noma umgwaqo endaweni umakhelwane wakhe. Ngendlela efanayo, kanye yerenti, le easement akusho liphele nethonya lakho, uma izwe adluliselwe komunye umuntu kuya kwesinye.

Usuvele nolwazi oluyisisekelo maqondana umqondo wegama elithi "umthwalo". Okungukuthi, siyatshelwa ngokuningiliziwe. Ngomqondo onabile, kuba pheze njalo usebenza kuphela ingcebo. Futhi manje ake sixoxe ithemba. Nalapha futhi, has izici zayo siqu ukuthi kumele kucatshangelwe.

Ukuphathwa kwempahla kwesokudla

Control ivumela umphatheli ukwenza ukuthengiselana ahlukahlukene futhi baphethe izinkontileka (ngaphandle ukuthengiswa kwempahla). Ukuze wenze lokhu, umnikazi yezingxenye Treaty, owawuthi umuntu angasebenzisa impahla yakhe. Futhi manje amagama ambalwa ngemithwalo ukulawula. Lowo oyinhloko - kuyisihluthulelo. Injongo eyinhloko encumbrance sinjalo buyiselo imalimboleko. Uma lo muntu obolekayo ingabuyeli ngesikhathi emsebenzini, ilungelo ubunikazi zidluliselwa ku-pledgor. Sicela uqaphele ukuthi ukususwa encumbrances yalolu hlobo kungenzeka kuphela emva ulindele ukubuyiselwa yona iphelele noma ngokwengxenye.

Kukhona ukulawula uhlu ukukhathazeka ukuboshwa - kuvinjelwe kube isiphelo sesimiso yiziphi izivumelwano noma ukuthengiselana. Kulokhu, njengoba kuphawulwe ngenhla, zonke yinkantolo. Ngaphezu kwalokho, umnikazi, isibonelo, uboshwe emzini, ukuyigcina njengoba yayinjalo nje ngeke elihunyushwe khona isinqumo.

Yiqiniso, zikhona nezinye izingqinamba ahlukahlukene ukuthi ebekwa isimo. Isibonelo acacile iyona encumbrance ku ukusetshenziswa komhiaba okuyiwona izintela abakhokhelwa, ngamanye amazwi, kokuba onecala isimo.

Izici yesivumelwano ne encumbrance

Isiphetho ukuthengiselana okunjalo ezicashile ezibalulekile eziningana. Iqiniso ukuthi elinganiselwe amalungelo umnikazi kumelwe nakanjani ukuba kubhekelwe lapho ezilandelwayo inkontileka. Njengoba umkhuba ubonisa, ngokuvamile ngesimo encumbrance izenzo abatshelekayo. Uma umuntu, kungakhathaliseki ukuthi ibangelwa yini abakwazi ngokuzimela abuyisele izikweletu, buyakhahlela impahla ukuwudayisa. Sinazo ukulesi simo esilandelayo. Umthengi kufanele ukhokhe imali ethile, esibekela umnikazi, futhi lonke izikweletu. Yiqiniso, kulesi simo, qiniseka ukuthi usayine inkontileka ne encumbrance. Lokho okwenzayo kuphumelele, isidingo ukuthola imvume ka ebhange, lapho uthatha mortgage. Uma sikhuluma into phakathi inhlangano ebonakalayo futhi zomthetho, futhi kuyadingeka ukuba amphuzise inkontileka ekhethekile. Kulokhu, amalungelo endawo nempahla zidluliselwa komunye umuntu, ngokwesikhathi esibekiwe eMthethweni. Elinye iphuzu elibalulekile ukuthi nabathengisi musa njalo ukunikeza zonke imingcele (izikweletu, njll). Ukuze ugweme ukuwela ogibeni, ubheke isitatimende okuhambisanayo Rosreestr bese uthola isitifiketi, okuzodingeka lonke ulwazi olufanele mayelana ukuthenga impahla.

Okufanele funa uma uthenga noma ukudayisa impahla?

Uma uthenga indlu noma ifulethi, musa lazy futhi ukuthatha USRR usizo. Naphezu kweqiniso lokuthi le nsiza kuzodlondlobalisa imali, uzothola ulwazi olugcwele futhi enemininingwane kulokho imikhawulo zikhona kule ndawo. Nakani lokuthi, mhlawumbe, ukuthenga indawo is yaqashiswa. Kulokhu, izohlala khona kuze kugcwale isibalo eyisakhamuzi elicacisiwe inkontileka, inqobo nje uma izingxenye ezifana. Nokho, umqashi yena uthatha nangxenye inqubo, zonke uyaqhubeka njengoba nje kwaba njalo kuye. Kuyefana nasendleleni izindleko zokuphila.

Kwamanye amazwe, kukhona umehluko wemisindo nemiqondo yamagama. Ngokwesibonelo, eJalimane, eyisakhamuzi kumele anikeze kwemvume yabo yokubuka efulethini lapho itholakala. Futhi wenza ukunikela iziqashi sokuthenga umuzi futhi kumnika isikhathi esithile (kufikela kuzinsuku ezingu-60) ukucabanga.

Njengoba ubona, yonke into ilula ngokwanele. Uma bayesaba ukwenza okuthile okungalungile, khona-ke kungcono ukuba baphendukele abameli wazibonela ukuthi ukubhekana nezindaba ingcebo. Ukuze uthole imali, uthola yonke imininingwane odinga ukukwazi. Inkontileka utawubhalwa ngendlela efanele, futhi esikhathini esizayo ngeke babe nezinkinga.

Amanye amaphuzu asemqoka

abathengi abaningi kanye nabathengisi bayalibala ukuthi kungaba khona co-umnikazi. Ngokwesibonelo, omunye abashadayo ukuthenga indawo, ngisho noma kuyinto ngokuphelele imali yakhe kanye nempahla kuzoxoxwa ezivamile kuleli cala. Yiqiniso, lapho ukuthenga noma ukuthengisa inkontileka iyawakha lapho abanikazi ahlelwe. Ngisho noma iphepha akusilo elilodwa abashadayo, isinqumo senziwa kokuba kungokuvumelana. Uma uthenga ifulethi, inkontileka kufanele asayine bobabili abashadile. Empeleni, lo mthetho kufanele ungakhohlwa kokubili nabathengisi futhi abathengi.

It engakaze wathi mayelana lolu hlobo umthwalo, efana yokuqasha. Ngokombono zomthetho umbono, kuba into efana ukuqashisa. Lo mqashi wabe welinye ifulethi noma indlu uthola izindlu nje kuphela ukusetshenziswa okwesikhashana, kodwa futhi ukuze. Uma isikhathi sokuqasha kuyinto ngaphezu konyaka owodwa, isivumelwano esikhethekile senziwa. Esikhathini esizayo, eyisakhamuzi unethuba ukuqasha indlu sublease. Kodwa lesi senzakalo kuhambisana okurekhodiwe ukuthi cishe aqede noma yikuphi ukukhwabanisa. Ngiyavuma, uhlamvu kuyadida kuyinto encumbrance. Kuyini lokhu umqondo ukuthi kakade, futhi manje masibone ukuthi lo mngcele futhi lapho kudingeka.

Encumbrance: uwusizo noma uyingozi?

Kunzima ukusho ngokuqiniseka. Ngakolunye uhlangothi, lokhu ehlukile imikhawulo ungavumeli ukuba enze noma isiphi isenzo nge impahla kanye ingcebo, futhi ngakolunye - lena indlela kuphela zokusebenza ukuvikela indlu noma ifulethi phezu umkhonyovu. Yiqiniso, ukuba khona izivumelwano nokukhawulela nganoma iyiphi uhlelo unikezwa, kodwa isiqinisekiso ukusebenza nezibopho zabo, ezifana nokukhokhela, izikweletu. Ngezinye izikhathi umnikazi yena singaba umthwalo empahleni yabo. Ngokuvamile lokhu ukuboshwa, okuyinto ngokuphelele amabhlogo noma yisiphi isenzo (zokuthenga, ukuthengisa, yerenti, njll). Izinyathelo ezinjalo zithathwa lapho ulinga ingcebo ngu abahlaseli. Bambani efulethini, umnikazi kuzoqinisekisa ukuphepha yayo ukuze uthole ukuthi iqondeni izimo.

Ukusebenzisa impahla nemikhawulo

Uma ungumnikazi ifulethi nge umthwalo, akusho ukuthi ngeke ukwazi ukuyisebenzisa ukuze baziphilise, okungukuthi iqashwe. Ezimweni eziningi, kuba unqabela kuhlukaniswa kwempahla (bethengisa khona), kodwa ukusetshenziswa ngokuvamile bavunyelwe, lokho esikulindele kuyakufanelekela ngempela ukhuluma ngani. Engingakusho nje Ukudidiyela izenzo zabo kanye pledgee futhi ukuthola imvume lakhe elilotshiwe. Njengoba kuye kwaphawulwa ngenhla, ungakwazi ukuthengisa ngisho lokhu impahla, kodwa has a inqubo ekhethekile. Sesivele esiphethweni "umthwalo" nge umqondo wokuthi lo mqondo kusho. Kusadingeka ukwazi ukuthi ukuya impahla engaphansi ukuzibamba, ke ukhangwa eziningi nezinhlangano zomphakathi: izinkantolo, amabhange, nokuqashwa, njll

Ungakhohlwa mayelana nemithetho ezibalulekile

Ngithanda ukusho ukuthi kunezikhathi lapho izakhamuzi efulethini umhlali ababhalise khona, kodwa akuzona abanikazi bayo. kunconywa hhayi ukuthola mhlaba, eqinisweni, okwenzekayo kubonisa ukuthi abaqashi evicted hhayi ngokushesha, bese kuyadingeka ukuze sifinyelele lo ezinkantolo. Uma efulethini izingane umhlali noma izakhamuzi ehlatshwa, kubalulekile ukuba ubheke sivikelwe, njengoba ngeke zikwazi ukuqhuba ukuthengiselana ngaphandle kwemvume yabo. Ukuthola okuyingozi kakhulu ukuze iqashwe, kusukela zomculo ezifana kukhona ngokubikezela izinto ezididayo nezingathembekile ngezinye izikhathi aqukethe eningi ezicashile esihle. Kunconywa ukuba siqale sifunde kanjani ukususa encumbrance, bese ukuthenga noma ukuthengisa impahla.

isiphetho

Ngakho sibhekene imibuzo ongase ube nayo. Njengoba ubona, akubona bonke kulula njengoba kungase kubonakale efika kuqala. Lokhu kungenxa yokuthi kukhona izinhlobo eziningana imithwalo, ngamunye wabo inencasa yayo, yingakho kubalulekile ukuba acabangele ngokuphelele yonke imininingwane. Uma uthenga impahla, bese ufunda ngokucophelela inkontileka, vakashela Rosreestr, ngokuvamile, benza konke okusemandleni ukuqinisekisa ukuthi "ukuhlanzeka" komhiaba. Uma umdayisi, wena ucacise kwinkontileka yonke imithwalo onikezwe efulethini njengoba yokucasha zabo kungase kubabangele imiphumela engemihle.