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Indlela asuse umthwalo kusukela efulethini ngemva sokukhokhwa mortgage?

Yiba siqu ephilayo isikhala sakhe - iphupho nanoma yimuphi umuntu. Ngenhlanhla zingeqedwe, lapho ithuba kuvela, ngisho noma kufanele akhokhele. Futhi lapho isikweletu imbuyiselo egcwele, kuphakama umbuzo kanjani ukususa umthwalo kusukela efulethini ngemva senkokhelo imalimboleko.

Yiziphi Ukusungula imigomo ebhekela amazinga mortgage abolekise?

Ukuze le mpikiswano, kuba okokuqala kudingekile ukuba bacabange ngalokho kukhona imigomo mortgage obolekisayo. Njengomthetho, inkontileka ne ibhange noma inkampani yangaphandle isikhungo sezezimali efulethini obhaliswe njengomsebenzi eseduze, okuyinto kuyisiqinisekiso ebhange umboleki empeleni fulfill bo bopho. Ngakho-ke, umuntu ukhokha mortgage, unelungelo elinganiselwe ukusebenzisa izindlu, kuze izikweletu ikhokhelwa ngokugcwele.

Indlela ukususa i encumbrance umhlabathi?

Collateral kumelwe nakanjani ukudabula ukubhaliswa efanele Unified State Register. Nakubukwa jikelele sivumelwano mortgage lithi yonke imikhawulo ku ukuthengiselana nge-mortgage izindlu izosuswa ngemva 100% yokukhokha yesikweletu. Nokho, empeleni lokuhlengwa akwanele. Kumele kubhalwe. Nakuba ukususwa encumbrances kusukela efulethini ngemva sokukhokhwa mortgage? Ngemva buyiselo ezikweletini ulwazi entsha sangena Unified State Register kushintshwe. Umnikazi uthola isitifiketi esisha lapho sifiké kuphela, futhi idokhumenti eqinisekisa ukususwa encumbrances. Kubalulekile ukwazi ukuthi lolu daba kufanele sisebenzelane ngokuqondile umboleki wangaphambili.

Ingabe kuvela izinkinga?

Ukususa encumbrance kwempahla eyisibambiso ubhekwa inqubo ejwayelekile, ngakho-ke kwaba kancane lula. Kusukela namuhla, zonke imibhalo kungenziwa ikhishwe MFC wendawo Nokho, ezinye izinkinga namanje. Ngokuvamile, kuba khona ubunzima kusukela amabhange. Inhlangano iphoqelekile ukuba inikeze isitifiketi esingokomthetho esishoyo ukuthi okweletayo ukhokhele ngokugcwele isamba okugcwele inkontileka yavalwa. Lena imfuneko, ngaphandle lapho IFC ngeke unike idokhumenti ukususwa encumbrances, futhi entry Unified State Register ngeke kwethulwa.

Ukususwa Inqubo encumbrance

Imithetho Sekuyisikhathi eside yakhelwe ukuma jikelele, kokukhipha umthwalo kusukela efulethini ngemva senkokhelo mortgage. Savings and izikhungo zezimali ukuze balandele lesi ngeluhlelo lolutsite. Ukuqala inqubo, obolekayo ngamunye kumele ahlinzeke imibhalo elandelayo:

  • Ihlanganiswe ngu umboleki kanye umbolekisi ukuhoxisa nesitatimende encumbrance ka mortgage izibambiso.

Nomake ingase yamukelwe ukuze ibuyekezwe madokumende alandelayo:

  1. Isitatimende esivela kumnikazi we izibambiso.
  2. Isitatimende umboleki ukuhlinzekwa idokhumenti, lapho kukhona amarekhodi asebhange buyiselo izibopho mortgage.
  3. Yaphetha, ngesisekelo lapho isevisi mortgage okwesikhashana.

Military Mortgage enikeziwe ngaphansi kwezimo ezikhethekile, ngakho ukususwa esiyisibopho encumbrances kwenzeka ngesisekelo yesiphathimandla isicelo zomphakathi enikeza ikhono lokusebenzisa lolu hlelo.

Uma kwenzeka ukuthi mortgage abolekise obhaliswe njengomsebenzi ukwakhiwa wabelane, ngaphambi kokuba ahambe umthwalo kusukela efulethini, kufanele uhlinzeke nencwadi engokomthetho evela Umakhi, owaqala umsebenzi project.

Uma sikhuluma practice, ababoleka ngokuvamile ahlinzeke ngokuhlanganyela iyawakha isitatimende nebhange ayemkweleta, njengoba ukuthola leli phepha ukuze bangabhekani kungaba esheshayo. Kungenjalo, ungacela umbolekisi ifomu esemthethweni, okuzokwenza kuyoba uphawu lokuphela inkokhelo egcwele izikweletu. Zombili lawa madokhumende ngezizathu elanele Imininingwane sokubhaliswa Unified State Register.

Ngeshwa, ubunkimbinkimbi inqubo kuboniswa ngezenzo. Njengoba ojwayelekile, abasebenzi Unified State Register zidinga umboleki eziningi imibhalo eyengeziwe futhi senqabe ubuyekeze ulwazi. Kulokhu, kokukhipha umthwalo kusukela efulethini ngemva sokukhokhwa ilungelo mortgage? Ukuze ngeke esachitha isikhathi sokuvakasha okungenanzuzo kusengaphambili belulekwa ukuba uhlole imininingwane nenhlangano yasebhange, noma ulithole Rosreestra. Inhlangano unezizathu ezizwakalayo owafuna kusukela ipasipoti umboleki sika, wonke amadokhumenti kwesivumelwane sesikweletu, kanye nolwazi ukubhaliswa. Ngaphezu kwalokho, le sevisi inikeza igunya lomphakathi akuyona khulula. Isilinganiso Imali izindleko ruble mayelana 350.

Kuphi ukuqala?

Ngisho nangaphambi kokuba ulindele ukubuyiselwa yona iphelele, usale nezikweleti, ababoleka abaningi bacabanga kakade indlela asuse umthwalo kusukela efulethini ngemva sokukhokhwa mortgage (Savings Bank noma esinye isikhungo). Ngemva kokuba inkokhelo yokugcina phezu izikweletu mortgage, obolekayo ngamunye lwenziwe kubalulekile ukusebenzisa ibhange ukuze uthole eziqinisekisayo idokhumenti zonke izibopho kungxenye yayo umboleki ugcwalisekile. Ngokuvamile, ochwepheshe mortgage abolekise, usebenza ebhange uhlale ukulungele ukunikeza bonke usizo kungenzeka futhi ngiqhuba iseluleko eliphezulu kwi-nqubo ye ukususwa encumbrances. Kungcono ukusebenzisa into yokuqala.

Ezinye izinhlangano yasebhange zama ukunikeza inkonzo esiphezulu, ngakho ungakwazi, ngesicelo, ukuthumela idatha yabo ekuvuthweni ngokufakwa ngokufakwa Unified State Register Registry.

Kanjani ukuqala inqubo bebodwa?

Esimweni lapho ibhange akunakwenzeka ukusiza amaklayenti wakho ukunikeza ulwazi Unified State Register, njalo obolekayo kuyodingeka ukuba bazibuse, bangabuswa ngokusho izithakazelo zabo. Kukhona ejwayelekile umyalelo ethile, ezosiza ukuhlela yonke le nqubo futhi ukukhomba izenzo obengeziwe umboleki.

Okokuqala, ngaphambi kokukhipha umthwalo kusukela efulethini, kufanele uthintane igatsha ebhange ngawo inkontileka esangena a mortgage, futhi oda isitifiketi ukuvala inkontileka ngokuqondene ukusebenza nezibopho. Uma ngasizathu simbe lulahlekile ikhophi yesivumelwano, futhi kuyadingeka ukuze sicele inothi inkokhelo egcwele.

Ngokulandelayo, umboleki ubhala isitatimende ngesicelo sokuchibiyela yokubhalisa, akhokhe imali wombuso kanye iqoqa imibhalo eyengeziwe uma kunesidingo.

Lapho ukusebenzisa?

Indlela yokuqala, okuyinto ngempela okunengqondo - Ukusebenzisa ngqo Izikhungo Federal Ukubhaliswa State, cadastre futhi ekudwetshweni kwamabalazwe. Kulokhu, initiators kumele kube nhlangothi zombili - umboleki langaphambili nomele ibhange.

Indlela yesibili - ukugcwalisa amadokhumenti ngeposi. Kulokhu, isitatimende esisayinwe izinhlangothi kufanele notarized.

Indlela yesithathu - yithuluzi online. Kukhona ukwazi ukusiza, indlela asuse umthwalo kusukela efulethini ngemva senkokhelo mortgage. "Amasevisi Yomphakathi" - Ingosi esemthethweni, esiklanyelwe lula izinhlobo ezahlukene imisebenzi. Kubalulekile ukwazi ukuthi kumele ube yogesi kulesi senzo. Kungenjalo, umsebenzisi kuphela atholakalele le nkonzo entry kulayini electronic.

Eyesine indlela - Amatebhe izikhungo, okuyinto ezahlukene kuleli "ifasitela elilodwa" amasevisi. Indlela asuse umthwalo kusukela efulethini ngemva sokukhokhwa mortgage (Sberbank) nge MFC? Ukuze wenze lokhu, kanye nesicelo kumele zithunyelwe enhlanganweni yonke imininingwane ebalulekile.

Ukuze ususe encumbrance Kunconywa ukuba zisebenze MFC, ngoba kulapha lapho yonke inqubo yenziwa esikhathini esifishane isikhathi. Uma lokhu kungeke kwenzeke, khona-ke ungakwazi ngqo uthumele isicelo ku Rosreestr. Nokho, kuyaqondakala ukuthi ukubuyekezwa kwemibhalo futhi kudinga isikhathi esithile. Ngokuvamile, isinqumo ngale ndaba luzakwenziwa ukuqede zingakapheli izinsuku ezintathu, esiphezulu izinsuku ezinhlanu zokusebenza. Isigaba sokugcina cishe esijabulisa kunazo zonke ekuphileni, ngoba lo muntu obolekayo ukuthola kuphela kula Unified State Register.

izinkinga ejwayelekile

Njengomthetho, izinkinga ne ekushintsheni yokubhalisa ezihlobene umehluko phakathi ibhange ayemkweleta kanye umboleki. Ngokuvamile, yasebhange ayehluleka emva kwesikhashana ukulungiselela yonke imibhalo edingekayo iklayenti, ngakho ngaphambi kokukhipha umthwalo kusukela efulethini, ucelwa ukuba ulinde ngenyanga. Lokhu kungase kube ngenxa izici uhlelo yokuthuthukisa noma imithetho yangaphakathi. Futhi, ngemuva kokuthola inkokhelo yokugcina ebhange isikhwama esingumsuka zonke izinkokhelo kanye elivumelana, okumele ukukhombisa ukungabi khona noma yisiphi isikweletu.

Kubalulekile ukwazi umboleki ngamunye ukuthi uma ukuvalwa yokuqala inkontileka mortgage okuhleliwe, ibhange kumele azise mayelana kuso isikhathi esingangenyanga, ukuze siqhubeke hhayi akhokhe futhi kugwenywe ukudideka kule imibhalo. Ngaphezu kwalokho, uma kukhona ithuba ukukhokha izikweletu ngokushesha, kungcono ukuvakashela ebhange uqobo kanye nokubonisana isisebenzi sendlela yokuqhubeka.

Ukuphendula izenzakalo zamuva, lapho izikhungo eziningi zezimali ilayisensi akhethiwe, ababoleka eziningi ebuza indlela asuse umthwalo kusukela efulethini ngemva senkokhelo imalimboleko, uma ibhange ivaliwe. Kunoma ikuphi, ukusungulwa umthetho nezibopho, okuyinto saphela umsebenzi walo komunye inhlangano. Kulokhu, kungalesi sikhathi ibhange kuyodingeka bafake isicelo ukususwa encumbrances.

Ukususa encumbrance njengoba inqubo saziso

Ukususa encumbrance ka mortgage impahla - luyimfuneko ukusebenzisa ngokugcwele esikhathini esizayo. Ngaphandle kokufaka ulwazi Unified State Register Register umboleki noma okweletayo izohlala, ngakho ngeke bakwazi ukwenza imisebenzi yezezimali. Okutjho bona angabuyekeza nabo ngeke bakwazi ukuthengisa emakhaya abo noma ngiyibeke njengefa. Ngakho-ke kubalulekile ukwazi ukuthi asuse umthwalo kusukela efulethini, futhi ilungelo lokubuyiswa wonke amadokhumenti ngokushesha ngemva sokuvalwa izikweletu.

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