Bhalisa of izifungo nezimpahla ezithathekayo. Registry ukubhalisa isaziso isifungo nezimpahla ezithathekayo

Registry of ezithathekayo eseduze impahla manje kakhulu kusiza inqubo ephetha iyiphi imisebenzi evumelekile lapho njengoba eseduze angenza lezi izinto. Sikhishwe yokuthi database enobunye, yimuphi umphakathi ummeli olungisa izivumelwano noma umuntu likwazi ukufinyelela database ungakwazi kweso hlola isimo samanje ezihlongozwayo ubunikazi yangasese, okuyinto kakhulu aqede kungenzeka ukukhwabanisa futhi kuthuthukisa ukuzinza isimiso sezomnotho abonge nesokuphela kwalesi nezinye zokukhokhelwa efanayo. Ezimweni eziningi, lokhu uhlelo yasiza siningi isibalo abantu ukukhipha imali ebolekiswayo.

Kuyini a ebhukwini of izifungo nezimpahla ezithathekayo

Ukuze ekuvimbeleni ukungaqondani, gwema iningi ongakhetha ukukopela ukuvumela ukuthunjwa okucacile kuthengiselana phakathi izinhlangano ezimbili (zomthetho noma yemvelo) sidalwe ebhukwini of izifungo nezimpahla ezithathekayo. Ngosizo mishini ekhethekile electronic abantu okufanelekile ukufinyelela ezidingekayo database kuchaziwe, kukhona kokubili Okokufaka izinhlobo ezithile zesakhiwo, futhi bawasuse ebhukwini noma ukuguqula idatha. Konke lokhu kwenziwa ngokusebenzisa isaziso ifomu ekhethekile ivunyelwe ngumthetho.

Phakathi kwezinye izinto, bavunyelwe njengoba elekthronikhi ukunikezela kude le mibhalo kanye nokufakwa siqu ephepheni. Register of nezimpahla ezithathekayo kuhlanganisa lonke ulwazi mayelana izinto, isimo sabo samanje nesikhatsi lesengcile evumela onentshisekelo ukuphendula ngokushesha ukushintsha, ukubenza futhi enze nezinye izenzo ezifanayo. Uma kudingekile, ungathola ngokuphelele lonke ulwazi kwi uthi yamanje neyangaphambilini uhlobo oluthile impahla esiza izinhlangano eziningi ukwenza izinqumo.

isaziso Izici

Naphezu kweqiniso lokuthi lonke ulwazi ubunikazi eyimfihlo database, okungukuthi, kwirejista umfaniswano mortgage of nezimpahla ezithathekayo, okwenza ummeli olungisa izivumelwano, nguye kuphela obhekene nesikhathi idatha ukuzithoba. Futhi emva isimo lapho into manje ukuthi kukhona imvume evela pledgor true uma wonke elicacisiwe ulwazi isaziso, nokunye, ohambisa ngqo wemfanelo. isignesha yakhe uqinisekisa ukuthi lo muntu futhi eyaziwa izidingo nivumelene.

Ngokwesibonelo, uma into ngesikhathi ngokufaka ulwazi isivele isibambiso, ummeli olungisa izivumelwano akuyona bebophekile ukuba azise ngakho bonke abathintekayo. Ngakho, nezimpahla ezithathekayo, okuyinto ecacisiwe ohlwini isaziso Sizophinda bafakwa encwadini okubhalwa. Ngaphezu isaziso, ummeli olungisa izivumelwano nalo enikeziwe lonke ulwazi hhayi kuphela into eseduze, kodwa futhi phezu isicelo. Umuntu omele umfakisicelo kumele ahlinzeke lonke ulwazi olumayelana nawe. Isibonelo elula lokhu kungase kubhekwe njengokwelapha ebhange. A ummeli olungisa izivumelwano kufanele zicele imibhalo ibhange, kanye idatha emayelana nomuntu oyobe ngqo bamele izithakazelo wathi isikhungo sezezimali. Lokho kuyadingeka imibhalo lomthetho ebhange kanye passport nommeleli wakhe.

wokufaka isaziso

Isaziso salokhu yisibambiso nezimpahla ezithathekayo kungenziwa enikeziwe kuzo zombili ngogesi kanye in ifomu ephepheni. Thumela it can kokubili mortgagor futhi mortgagee ngesisekelo nemibhalo eyesekayo. Kulokhu, lo pledgee angahoxisa kuphela ezincwadini. Nokho, kunokuningi okungakhulunywanga ngakho ngaphansi okuyinto izenzo ezinjalo kungase kwenze umnikazi komhiaba, uma ibhange (noma omunye umuntu) ngesizathu esisodwa noma kwenye abakwazi ukukwenza. Ngokwemvelo, konke lokhu kwenziwa njengoba ngesisekelo izibambiso olufanele bangenile ngokucophelela ngumuntu ummeli olungisa izivumelwano.

Uma uthumela iphepha yakha kofaka isicelo yonke imibhalo edingekayo ukuze kube khona mathupha ehhovisi ngesikhathi sokubhalisa sokubhalisa. Uma uhambise ngekhompyutha, uzodinga isignesha bhalisiwe ngokukhethekile okhombisa ukuthi singobani lesi isicelo, kanye namanye amadokhumenti asekelayo azidingeki. Ngokufanayo, isaziso kwenzeka zokugcwalisa ushintsho idatha kwirejista, ngaphandle kwakhe nokunye. Uma isicelo samukelwe, it is ngokushesha kusetshenzwe futhi bafakwa encwadini okubhalwa kokubhaliswa isifungo nezimpahla ezithathekayo.

Izici yokushintsha nokususwa

Njengoba sekushiwo ngenhla, inani uhlelo ukuguqulwa noma ukususwa kusukela irejista kulula. Umehluko ikakhulukazi ezihlobana lesaziso, kanye nalowo unelungelo lokubamba benze izimanga ezinjalo. Ngokwesibonelo, endabeni ekucwileni ezikweletini umnikazi isibambiso isicelo futhi sifinyelele nokwenza kwayo kungase mortgagor, okuyinto kususa ngokuzenzakalelayo impahla ohlwini izibambiso izinto. Ngokuvamile, ngemva kokuba leso sinyathelo umuntu uyayeka ukwenza izibopho zayo kuya isikhungo sezezimali. Ngaphezu kwalokho, uma ibhange akagcwalisi umsebenzi walo, futhi ngisho nangemva kokuba ulindele ukubuyiselwa yona iphelele yesikweletu kungaqali okukhiphayo kusukela irejista mortgage umhlaba, umnikazi angenza bebodwa kukhonjelwe ukutholakala eqinisekisa ukungabi khona izikweletu amathuluzi. Leli phepha kungaba incwadi evela ebhange mayelana ukungabi khona izikweletu, nokunye okunjalo.

izimali ummeli olungisa izivumelwano

Njenganoma iyiphi isevisi, okufaka ulwazi encwadini okubhalwa kuyo izifungo nezimpahla ezithathekayo sinenai lalo. Ngokuvamile, izimali ummeli olungisa izivumelwano for ikhomishana izenzo ezinjalo zihlanganisa ibhodi, yena kufanele bakhokhe ebhukwini, kanye lemali okuyinto ihlola amasevisi siqu ngqo ummeli olungisa izivumelwano. Ngaphansi kwezimo ezithile, imali ingakwazi ukuthathwa lincane.

Phakathi kwezinye izinto, kuye ngendlela okuphethwe ngayo isaziso isifungo nezimpahla ezithathekayo, futhi ezahlukene yokukhokhelana. Ngakho, lapho isetshenziswa ephepheni kuthiwa imali yokukhokha, kodwa uma wena wakhetha elektroniki, futhi ukukhokha ngendlela cashless. Yini ethize uhlobo ukhethe - ke kuncike isicelo.

Abstract zetayitela

A ummeli olungisa izivumelwano, kukhona esinye isici kunalokho ezithakazelisayo ukuthi kungaba wusizo kubantu abathile. Ngakho, lo chwepheshe anganikeza isitatimende banoma iyiphi into ethile. Ngenxa yokuthi phansi yisibambiso nezimpahla ezithathekayo kuhlanganisa lonke ulwazi oluningiliziwe, umuntu othakazelayo ungathola ulwazi wayedinga futhi ababheke emsebenzini esizayo.

Lesi isici Ukugunda kakhulu kubalulekile amabhange nezinye izikhungo ezifanayo. Lokhu kusinikeza ithuba ukuhlola ewubungozi, okuyinto nakanjani kuthinta kahle kwezomnotho umsebenzi nemibandela ukuthengiselana. Ngesikhathi esifanayo, umnikazi Ubuye ukhetho ukucela nesitatimende isimo lapho anakho eseduze kwakhe. Lokhu kuwusizo kwezinye izimo uma kukhona izinsolo isaziso sokuhoxiswa awuzange bafaka ngendlela esifike ngesikhathi yi mortgagee wangaphambili.

Yini osebenza ku nezimpahla ezithathekayo

Kafushane, kuba iyiphi into ukuthi zingasuswa bese ngesikhathi esifanayo akuyona langempela. Ngokuzenzakalelayo, bonke abanye - kungcono impahla moveable, uhlu okungakwazi kwenziwe ngenxa inani elikhulu lezinto. Izinhlobo ezivamile lezinto zinjalo izindlela ezihlukahlukene ukuthuthwa yiluphi uhlobo imishini, imishini, imikhiqizo, izinto, izimpahla angaphatheki nokunye. Umthengi electronics kufakwe kulolu hlu, ngakho wayevame iyona into ngesibopho ukuthengwa yokuqasha ezitolo. amabhizinisi ezinkulu ngokuvamile uncamela yisibambiso impahla okuyiwona has irejista ayo mortgage impahla, asebevele besebenza ngezinto eziphathekako ukuthi ezakho ezithathekayo.

Kufanele kuqashelwe ukuthi kwezinye izimo umuntu kungase kudingeke uthole ulwazi mayelana nesimo samanje into ephethwe. Ngokuvamile, kuba nesidingo esingaka ezimweni lapho kuhlelwe ukuthengwa okunye okungase kube kahle ngaphansi encumbrance. Hlola isimo impahla kungaba wadala ngokukhethekile kule sayithi, uma ufaka idatha edingekayo.

eziyigugu Ikakhulukazi ezithathekayo

Ngaphezu division of nezinqe ezingagudluki impahla lezinto ukuthi uphasile mortgage, kungenziwa ahlukaniswe futhi namanje esinye isici. Kakade encike ngqo kwi imisebenzi samanje ibhizinisi-pledgor. Ukwabela ukubukeka esiyingqayizivele - a izinto eziyigugu. Ngezinye izikhathi engeza "ewusizo ngokukhethekile". Ukuze lolu hlobo izinto libhekisela iyiphi impahla, ngaphandle kwalokho kuyoba umsebenzi engenakwenzeka of inhlangano engokomthetho. Ngakho, kungashiwo sezizophela, ngokuphathelene lento kuphela, izinkampani ezihlobene nezikhungo efanayo elise kokubili ekusithekeni kwisichasiso yomphakathi.

Futhi nezinkinga yakamuva kungenzeka. Ikakhulukazi, iphathelene kokubili yinkimbinkimbi design and inqubo kuthengiselana. amabhange uyavumelana kakhulu kuyaqabukela sisebenze kulezi zikhungo, uma nezinye izimo ziyefana esimweni esivamile. Ngesikhathi esifanayo, ngezinye izikhathi izimo yokuthi njalo bambiso angabhekwa inzuzo enkulu futhi kuqala. Register of nezimpahla ezithathekayo yalolu hlobo nakanjani efana lens ejwayelekile. Isibonelo kubhekwe njengento imishini esetshenziswa imisebenzi core amabhizinisi ezinkulu ezimbonini. Ngaphandle kwayo, ukusebenza kwe-inkampani ngeke kwenzeke.

Indlela udaba

Umnikazi impahla liyakushunyayelwa wakhipha isaziso esikhethekile, okhombisa yokuthi yakhe yangasese ngaphansi lien. On isicelo le dokhumenti unganikezwa kokubili iphepha kanye elekthronikhi. Indlela yesibili kuwusizo kakhudlwana futhi kulula, kodwa abantu abaningi bakhetha babe idatha ku samuntu wangempela iphepha nazo zonke amasignisha kudingekile nezimpawu. Kubukeka kuhlaba umxhwele ngisho nakakhulu, futhi unezela ukuzethemba ukuthi izinto nezimpahla ezithathekayo ebhalwe ohlwini kahle.

Register Real Estate

Njengomthetho, amabhange ancamela ukuthatha impahla ibe yisibambiso, ngoba impahla ibe yimali ngaphezulu, futhi impahla ngokuhamba kwesikhathi, hhayi ukulahlekelwa e intengo, futhi uthenge kuphela. Ngokukhethekile le njongo unakho irejista ezifanayo mortgage impahla phansi impahla. Ngokuvamile, ulwazi elilethwa ke, elifana nalelo esetshenziselwa izinto ezihlelwa ngesandla. efana lonke izici uhlobo isicelo, izaziso, izitatimende kanye nokunye okufana nalokho.

Step by step Umhlahlandlela

izinyathelo ezimbalwa bungabonakala isibonelo isimo ejwayelekile uma kubhaliswa imalimboleko kuvikelwe nezimpahla ezithathekayo ukuthi ufuna ukwenza into. Into yokuqala ukuthi kwenzekani ukuxoxisana esiteji, lapho nomele ibhange kanye ngisabone muntu obolekayo uyavuma ku onjani isamba semalimboleko kanye nokuvikeleka okuzokwenziwa adlulisiwe. Ngaphezu kwalokho, isaziso senziwa. Kufanele usebenzise ifomu elivunyelwe, equkethe yonke imininingwane edingekayo mayelana into. Ezimweni eziningi, supply kwemibhalo efana mathupha, ukuze ifomu libhalwe, zisayinwe ebese zilethwe ummeli olungisa izivumelwano, kangangokuthi angabangela ufaka ulwazi ku ebhukwini izibambiso ngezinhlamvu ezihlelwa ngesandla. Kwenza le omele umfakisicelo, okungukuthi ebhange, okuyinto nabo akumele isaziso kuphela, kodwa yonke imibhalo ye-isikhungo sezezimali, amaphepha siqu, ungubani, njalo njalo.

Kwezinye izimo, kuyoba amakhophi ngokwanele njengoba eqinisekisiwe futhi ezivamile. Kwesinye isimo, okwangempela kuphela kuyodingeka. Lokhu ixhomeke ummeli olungisa izivumelwano kanye degree of ukuxhumana kanye ukwethembana phakathi kwaso isikhungo sezezimali. Ngokuvamile kukhona wasayina inkontileka ngesikhathi esifanayo ukuthi kukhona ukubhalisa nezimpahla ezithathekayo. Ukuqinisekisa yokuthi imibhalo wathumela njengoba isisebenzi inhlangano yezimali, kanye lo muntu obolekayo kunoma yiluphi uhlobo ekhethiwe. Lapho wokufaka electronic uhlelo lokusebenza cishe okufanayo, kodwa akasadingi ukuya umphakathi ummeli olungisa izivumelwano, kodwa udinga isofthiwe ezifanele, izisayindo ukhiye, futhi imishini efana. Kwezinye izimo, kuba lula ukuya umphakathi ummeli olungisa izivumelwano, kunokuba kulungiswe udaba amathuba ukubhalisa ukusebenza ngekhompyutha.

Yini okufanele aziswe

Ekhoneni eliphezulu kwesokudla dokhumenti iqukethe ulwazi mayelana ummeli olungisa izivumelwano, ngubani siyofeza ukubhaliswa. Ikakhulukazi, phezulu imigqa emibili esifanelana ngqo igama ehhovisi, futhi ngosuku lwesithathu, zinyanga - kakhulu igama ummeli olungisa izivumelwano. Ikhasi lokuqala kakhulu akasayidingi ukugcwaliswa eyengeziwe kuyinto ejwayelekile. Bese uya Emakhasini alandelayo, esevele kuchazwe kabanzi impahla, okuyinto kudingeka kwenziwe ebhukwini. Eyesibili page uchaza izimoto. Uma uhlela ukwethula isibambiso amayunithi eziningana, lezi kuboniswa uhlu ukwabela ngamunye into umuntu ekamelweni lakho ukuze. Ekhasini lesithathu, faka ulwazi mayelana nazo zonke ezinye izinhlobo izibambiso.

Okungukuthi, kukhona elinye ifomu ukuthutha futhi eceleni ngaphansi namanye amafa. Ngakusasa Amakhasi amathathu achaza umuntu ongumnikazi into wathumela idiphozithi. Imininingwane kungahluka kancane kuye ngendlela ubunikazi, kanye nesimo umuntu - isakhamuzi noma non-isakhamuzi. ngaphezulu Amakhasi amathathu alandelayo achaza pledgee. Ulwazi ngazo zonke lezi amadokhumenti ngempela standard, kukhona amagrafu ezicacile lapho ufuna ukwenza idatha ethile, okungathatha isihloko olusemthethweni ephepheni. Ekhasini elilandelayo kulethwa mayelana nesivumelwano, owawuthi into idluliswe izibambiso. On the asele amakhasi amabili kufanele ulethe ubufakazi bokuthi umuntu oyibamba njengoba isicelo.

imibuzo ebuzwa

Lapho ungena ngemvume isaziso?

Uma enikeziwe in ifomu ephepheni liyadingeka ukuze lisayinwe ngumfakisicelo kakade ngqo ummeli olungisa izivumelwano ngokuba khona lalo. Kwezinye izimo, kutuswa ngaphezu ukugxila lesi sici. Uma isaziso sokubhalisa elektroniki, isignesha, yebo, kuza ngesikhathi Dispatch.

Iziphi izici thumela i-imeyili?

Lowo Mbhalo wangonyaka we liyadingeka kuthunyelwe imigudu yokuxhumana kuphela evikelwe, okukhethekile kwanoma yiluphi uhlobo lokukhwabanisa ukucabhela ulwazi. Kumele kukhunjulwe ukuthi ummeli olungisa izivumelwano akuyona njalo ngokushesha hlola ulwazi, ukuze izincomo jikelele ukucacisa Eqinisweni ngemva kokumukisa ukuthola noma iziphi izindlela. Lokhu kuzosiza ukugwema isimo lapho entry encwadini okubhalwa wenziwe ngokusebenzisa isikhathi eside emva kokukhishwa kwesaziso.

Indlela engcono kakhulu ukukhokha?

Uma idokhumenti ihlinzekwa in ifomu ephepheni, inkokhelo kufanele kwenziwe ngokushesha ngaphambi ukuqopha. Lapho imali electronic yokubhalisa hamba cashless. Kahle kahle, kufanele uqhubeke kuze kube seqophelweni lokuba ulwazi okuyokwenziwa database, kodwa lokhu akunakwenzeka ukufeza njalo. Uma inhlangano abaqhuba ingxenye umsebenzi lolu hlobo kungenzeka phansi lokukhokha wokubhalisa amaningi, okwenza kube lula kakhulu.

Kanjani ukuba uma udinga ukwenza izinto eziningana?

Lapha kubalulekile ukuba siqondiswe hhayi ngenani nezimpahla ezithathekayo, futhi kube yisibambiso izivumelwano. Ukuze ngamunye wabo kwenza ulwazi ahlukene, ngisho noma yini engathathwa ngokuthi avele okufanayo. Okusho ukuthi, uma omunye inkontileka icacisa izinhlobo eziningana nezimpahla ezithathekayo, konke elinikelwe isaziso esisodwa.

Kuke kwenzeke yini kube amalungelo isiqinisekiso impahla?

Yebo, uma elicacisiwe inkontileka. Ukubhalisa kulesi simo akuhlukile nezinye izinto ezifanayo.

Yiziphi zokukhokha yokwaziswa Bank?

Ngokuvamile, asinawo noma yimiphi imikhawulo yalolu hlobo. Okungukuthi, abangabantwana impahla kungenziwa bafakwa encwadini okubhalwa njengoba esikhathini isiphelo sesimiso inkontileka, futhi ngemva kwalokho, futhi ukuhluka akuyona iphutha. Nokho, ukuze unciphise ingozi, amabhange uncamela uhambise isaziso ngesikhathi esifanayo lapho kuthengiselana senzeka.

kafushane lokho

Bhalisa of izifungo nezimpahla ezithathekayo, kanye okuphikisana nalo, yakhelwe ukusebenza ingcebo, iyithuluzi elibalulekile, lula kakhulu kube isiphelo sesimiso izinkontileka futhi kuvimbele ukuvela izimo engase okuyingozi. Field imikhonyovu eziningi kangaka nazo kuvinjelwe ngokuzenzakalelayo. izinhlelo ezifanayo ezikhona emazweni amaningi, futhi izinzuzo indlela enjalo yokuhlaziya isimo ihlolwe isikhathi eside. Izimfuneko esiyinhloko wokuBhaliswa abanjalo bangabaphostoli isofthiwe ezifanele futhi kufinyeleleke, kalula ukwelashwa, ukungafihli izinto nokuphatha idatha processing speed. Bonke ziyabhekelelwa futhi abulawe, ukuze sikwazi ukusho ngokuphepha mayelana nokuphumelela isethembiso kanye nokusebenza yayo uqobo.