Isigaba efulethini mortgage endaweni owakwakhe isehlukaniso

Enye yezinkinga esiphuthumayo ezivela ekuhlakazekeni komshado kubhekwa ingxenye yempahla. добавляет еще больше сложностей. Phakathi Aphathimenti yesehlukaniso e-mortgage unezela eyinkimbinkimbi nakakhulu. Esimweni ngasinye has umehluko wemisindo nemiqondo yamagama yayo. Kule ndaba, i-Kwabiwa ecacile yemfanelo ebalulekile ye-algorithm izibambiso into akukho. . Esesizokuhlola nokuthi bayifeze kanjani ifulethi division mortgage e isehlukaniso.

Ukuhlobana umbuzo

Ngakho, le nkinga ohambisana kwesigaba efulethini - a mortgage. на сегодня не выработала единого подхода к вынесению решений. I wokuqulwa kwamacala ezinkantolo kuze kube manje uwukakabi indlela yekubukana tintfo ngendlela enobunye ekwenzeni izinqumo. Ngakho ngokuvamile iziphathimandla ezahlukene ukuthatha isinqumo okuphambene. Isimo nzima yokuthi impikiswano kuhilela izinto ezithinta umphakathi amaqembu amathathu - i-indoda, inkosikazi kanye nesikhungo credit. Ezimweni eziningi, ukwabiwa yemfanelo sina kuvimbela kwesokudla kunoma iyiphi inhlangano. Ngokwesibonelo, ngo-umkhuba, izimo eziningi lapho obeshade, elingenalo efulethini (noma ingxenye yalo) division, ophoqelelwe isikhathi eside ngokwanele ukuba imali ebolekiwe. Izinkinga ngokuvamile bavele amabhange. Ngokwesibonelo, i-credit izikhungo abafisa ukuthengisa impahla, okuyiwona kukhona ukubambezeleka, wabhekana neqiniso lokuthi, yinkantolo, akuseyona impahla ematheni okweletayo.

isilawuli zokulawula

, обуславливаются в первую очередь недостаточной правовой регламентацией этого вопроса в гражданском и семейном законодательствах. Ubunkimbinkimbi ezihambisana amafulethi kwesigaba, ithengwa a mortgage, kubangelwa ngokuyinhloko ukuntuleka isiqondiso osemthethweni walo udaba emthethweni civil kanye nomndeni. Inkantolo ucabangela izingxabano ezinjalo, eqondiswa izinhlinzeko zoMthetho-UK, the Civil Code futhi nenombolo uMthetho Federal 102. Ngaphezu kwalokho, kunakwe nemibandela yesivumelwano esiphethwe ibhange. Ekuhlaziyeni lezi izenzo bungabonakala isimiso elandelayo. endaweni Ukuhlala wathatha abafazi eshadile mortgage izindlela uthathwa njengomgcini impahla ngokuhlanganyela atholwe yibo. Lokhu, luhambisana nomthwalo nemiphumela yezomthetho. impahla Joint ingahlukaniswa ngokulinganayo phakathi abashadayo, uma ezinye oda ayinqunywa inkontileka umshado. Lapho izingxabano azinandaba okhokhelwe into ahlotshiswa. izikweletu lwezezimali babelwa ngokulinganayo abashadayo, kungakhathaliseki ukuthi ziyizihlalo co-ababoleka noma loan sikhishelwe umuntu oyedwa. Ngakho, isimiso '50/50 ". , не так просто. Phakathi naleso sikhathi, empeleni ukubambelela kwesigaba zokuhlala, ise-mortgage, kunjalo elula cha. Iqiniso lokuthi leyo nto pledged inhlangano yasebhange. Unkosikazi, ngokomthetho Abanikazi bazo abasakwazi ngokukhululekile bachithe impahla.

inkontileka umshado

Ukuze ugweme izinkinga ezihlukahlukene, abameli ukuncoma ukuthi lo mbhangqwana bangena esivumelwaneni. Ngesikhathi umthetho ofanayo ivumela ukubhalisa yesivumelwano kanye phambi sokubhalisa umshado, futhi ngemva kwaso. Phakathi naleso sikhathi, naphezu izinzuzo ezisobala le dokhumenti ngeke wenze out eziningi yakhe (hhayi ngaphezulu kuka-5%). Kungenzeka ukubhalisa ezihlukahlukene izimo. Njengomthetho, isivumelwano usungula inqubo ukuhlukaniswa kwempahla, avelelwe kwabancane kanye nezinye amaphuzu abalulekile.

Iziqinisekiso zokuthi ibhange

Credit izikhungo ozama ukuthatha isinyathelo ukuze uphephe. . Lapho senza isivumelwano host futhi benza isivumelwano ku division of efulethini abashadayo mortgage. Credit izikhungo baye babhekana ngokuphindaphindiwe kunobunzima, esikuzuzile nelemuko elaneleko loku izingxabano. позволяет банку минимизировать риски. Isivumelwano ku division of the efulethini mortgage ivumela Bank ukunciphisa izingozi. izikhungo Iningi abolekise ozama ukwenza indoda nomfazi co-ababoleka. Lokhu, ngokuvamile, okuzuzisayo izakhamuzi ngokwabo. Kulokhu, angabawa sihlanganise imali yabo futhi athole udumo kakhulu. amabhange Abaningi afake isigatshana inkontileka esishoyo ukuthi uma isahlukaniso co-ababoleka imigomo yesivumelwano zihlala zinjalo. Lokhu okwamanje isiqinisekiso esongeziwe ngoba isakhiwo credit. Uma izakhamuzi uvumelane nalesi simo, umshado eliphukile, futhi omunye wabo kamuva wenqaba sokukhokha imali ebolekiwe, ezibophweni ezingokwezimali ngokugcwele ngeke adluliselwe co-umboleki. Leli lungiselelo ivikela Yiqiniso, kuphela izithakazelo lenhlangano yasebhange.

Izinketho ukuxazulula inkinga

Pho, ungayilawula kanjani ukunciphisa izingozi futhi afeze ukuhlukaniswa kwempahla? – имущество, права на которое ограничены. Indlu e mortgage - Amalungelo endawo lilinganiselwe. Ngakho-ke, i-co-umboleki Ungaqhubeka ngemva kwesehlukaniso sokukhokha imali ebolekiwe, noma ngokushesha ukuthola lemali elingekho, wokuyibuyisa ngaphambi kwesikhathi ebesibekiwe. Lapho izikweletu kuyoqedwa, ingcebo zithengiswa. Ukusebenzisa into abekade co-umboleki wabelane phakathi isamba. Kukhona enye indlela. I co-umboleki bangathengisa into ekuvumeni ebhange. Kuthiwa ukubikezela ephendula isikhungo credit Kulezo zimo kunzima. IBhange singavunyelwa isiphakamiso co-ababoleka, efuna ukuba ukubuyiswa kwemali yokuqala yaleli credit, kusukela kuqedwa umshado kungephula imigomo yesivumelwano esemqoka, noma ziye zibopheke ukuba ziqhubeke ukukhokha izikweletu ngaphandle ukuthengisa into.

isinyathelo Okungenzeka isikhungo credit

amabhange Abaningi bakuvuma ukuqaliswa ingcebo. Kulokhu, inhlangano enciphisa ubungozi yokungakhokhi ezikweletini. Ngemva kokuthola imvume owakwakhe ukuthola umthengi uzimisele ukuthenga into umthwalo onjalo. Umnikazi omusha usezuze ilungelo ubunikazi, kubalulekile kuqala kuzo zonke ukuze sivale lapho sisilela isakhiwo Ikhredithi lemali izikweletu. Ngeke kudingeke ukuba ulinde kuze kube yilapho inqubo ephelele ukususwa encumbrances. Kuphela ngemva kwalokho umthengi uzokwazi ukudweba ilungelo. Akubona bonke abathengayo uvumelana nezimo ezinjalo, ngoba izingozi ziphakeme. Ngesikhathi esifanayo, kungakhathaliseki ukuthuthukiswa isimo ekwenziweni into wangaphambili co-umboleki kuyodingeka ukuba siqhubeke angabuyisela izikweletu. Kungenjalo isimo sabo sinjani ziwohloka kakhulu.

Bank kwesokudla

Credit inhlangano ongawamukeli ekukhokheleni izinzalo ezikweletini, ingakwazi ukuthengisa impahla. Ngenxa yalesi endalini ihlelwe. Kuwufanele ethi ukubaluleka into kulesi simo kuyoba ephansi kakhulu kunalokho intengo emakethe. Of lemali abayithole ngokuthengisa insimu, isakhiwo credit ophethe oyinhloko, isithakazelo, izinhlawulo, kanye nenzalo hhayi emalini izindleko yokuhlela endalini. Okusele izokwabiwa phakathi wangaphambili co-ababoleka. Sinalokhu engqondweni, ake ubheke umbhangqwana ngokuvamile angahlala bengenamizi futhi ngaphandle kwemali.

esibalulekile

Amazinga setha izidingo ezimbalwa ukuze co-ababoleka, division imfundamakhwela kwempahla. формально находится во владении лиц, которые согласились на условия банка. Indlu e mortgage ngokusemthethweni in the ifa abantu abavume ngemibandela eBhange. Phakathi kwabo - co-ababoleka kwesibopho sokwazisa noma izinguquko ekuphileni kwabo. Ngakho, kufanele azise ebhange nesehlukaniso.

Imiphumela kungenzeka

Uma amaqembu kungaba abakwazanga ukufinyelela esivumelwaneni nezinyunyana, kubalulekile ukuya enkantolo. Kodwa, njengoba kushiwo ngenhla, ngesikhathi ebizela othile ngokucacile umphumela wokulalelwa komlandu akunakwenzeka. Inkantolo ingakhipha umyalelo yasebhange ukufeza izinqubo kuhlinzekelwe ingcebo, ukuvuselela inkontileka yimiphi co-ababoleka noma linqume ex-unkosikazi kanye nomyeni wakhe ukuqhubeka sokukhokha imali ebolekiwe. Lena akuyona yonke izixazululo kungenzeka inkinga. Uma ulungele ukuqhubeka co-umboleki buyiselo imalimboleko ukuze adayise lokuphila isikhala, usengakwazi oshadile ukuba ukuqhuba ingxenye efulethini. должники очень зависимы от банка. I abanamacala mortgage bathembele kakhulu ngebhange. Ngakho-ke, ngaphambi kokuba noma yisiphi isenzo badinga ukuxhumana isakhiwo credit ukuvunywa. до официального расторжения брака, то им нужно написать совместное заявление об этом. Ngakho, uma co-umboleki unqume ukuchitha esigabeni esiphansi e mortgage phambi isehlukaniso olusemthethweni, badinga ukuze ubhale isimemezelo ngokuhlanganyela lokho. Kodwa ngisho esimweni esinjalo kungaba inkinga. Ngokwesibonelo, ibhange ungenqaba co-umboleki. Credit inhlangano awukwazi ukuhlela lemali engenayo omunye abakweletayo, okwakuyoholela ke ziphoqelelwe ukuba asebenze njengomxhumanisi inhlangano ezimele. невозможен по техническим причинам. Kungase kwenzeke ukuthi ingxenye efulethini mortgage akunakwenzeka ngenxa yezizathu ezithile. Ngokwesibonelo, liqukethe ekamelweni elilodwa, futhi awukwazi ukukhetha share. Noma kunjalo, co-umboleki kungase inselelo isinqumo isakhiwo credit.

Inketho okunye

enye kanjani uchitha ukuhlukaniswa kwempahla ka abashadayo? переоформляется на одного из них, а второй безвозмездно или за определенную сумму отказывается от прав на недвижимость. Indlu e mortgage selikhishiwe eyodwa yazo, futhi elesibili mahhala noma ethile uyawachitha impahla. Kulokhu, lo yokuqala isikisela isibopho ukuqhubeka sokukhokha imali ebolekiwe. Uma ibhange uyaneliswa solvency co-umboleki sika, lona wamuva angakwazi ukubhalisa a ukudluliselwa ilungelo ngokwalo emzimbeni ogunyaziwe. Ngokuvamile, ibhange uthatha imali sokuvuselela yesivumelwano (0.5-1% of the debt elele).

Isigaba ku lempi mortgage efulethini

Inqubo libhekene iqiniso lokuthi izibopho ngoba ubhale izinkinga ezihilelekile eziphoqelelwe hhayi izakhamizi ku eMnyango Wezokuvikela. Njengelungu le-izinhlelo loan, kanye umnikazi, ukhonza umsebenzi, kungakhathaliseki ukuthi wayenobuhlobo umndeni. не требует участия жены/мужа. Kule ndaba, esigabeni oluyisicaba mortgage akudingi kweqhaza unkosikazi / umyeni. Laba azisetshenziswa Kwezinye izimo. Ngokwesibonelo, okuzenzakalelayo noma ezinye ukwephula nesivumelwano sokubolekwa isibopho sokukhokha imali ebolekiwe inikezwa kuphela umsebenzi.

Langempela umshado

. Sesihlole ngaphezu kwesigaba phakathi kwabashadile efulethini. , между тем, может быть оформлена и сожителями – лицами, состоящими в "гражданском" браке. Nokuthathelwa, Okwamanje, kungenziwa anezinhlaka futhi amasoka - abantu abakhuluphele "civil" umshado. Njengoba wazi, azisebenzi Ezimweni ezinjalo zoMthetho wokuPhathwa UK. Uma indoda nowesifazane akangenanga isivumelwano esibhaliwe, efulethini uhlala ngesikhathi lowo lesikweletu ekhishelwe okungenzeka ezinkulu. Yiqiniso, akuwona wonke umuntu ongase wanelisekile, njengendlela kuxazululwe isibophezelo womabili ekhishwe inyumbazane. Ezimweni ezinjalo, kuyodingeka ukufakazela iqhaza ngokuhlanganyela izinkokhelo. Ukuze wenze lokhu, udinga ukunikeza imibhalo eqinisekisa amacala. Kungenzeka irisidi, akhawunti izitatimende, amarisidi nokunye. Ngokufanayo, kufanele wenze bese uma ufuna ukufakazela a ukulungiswa ehlanganyelwe noma ukuthenga izinto ezibizayo. Kungcono ukuletha icala ummeli oqeqeshiwe.

Loan ngaphambi komshado

Njengoba kwashiwo kuyi-UK, konke lutholwa ngesikhathi umshado kubhaliswe ngokusemthethweni, kuvamile. Uma into u aluthola ngaphambi komshado, kusebenza kumalungelo impahla siqu. Kodwa umthetho umndeni iqukethe eziningi ukubhuka. Ikakhulukazi, ngokuhambisana nemithetho, owawushade naye unelungelo ukwabelana ifulethi, uma izinkokhelo mortgage benziwa ndawonye ngisho nangaphambi ukubhaliswa ubuhlobo. Izimfuneko kulokhu angakhiqiza futhi isakhamuzi eziphukile. Income oyedwa usesimweni esinjalo ezocatshangelwa ezivamile. Ngokuvamile izingxabano ziyaxazululwa esivuna umuntu ongasebenzi.

Wezezindlu kulesi sakhiwo esisha

Isimo ngesigaba ezindlini e izakhiwo esakhiwayo kunalokho xaka. Ngokusho imithetho, ubunikazi isikhala ephilayo kungenziwa kuphela ngemva ngokubeka ukusebenza kwezakhiwo. Ekusebenteni, kukhona zimo ezimbili kungenzeka:

1. Uma lo muntu obolekayo kuleli phuzu, ngeke ukuncibilikisa emshadweni, uzophoqeleka ukukhokha isinxephezelo umyeni / unkosikazi. Ngesikhathi kucwaningwa lesi sinqumo, inkantolo uyakucabangela Iqiniso inkokhelo ahlangene loan. Nokho, okubaluleke kakhulu kulesi simo ukuthi ungaba kokubili kwekhono le ummeli.
2. Uma lo muntu obolekayo igana kokuthola isitifiketi, inkantolo ngeke afune ukuba ukwaba share ezindlini ngaphambi isehlukaniso.

Uma omunye wangaphambili co-ababoleka yokubalekela ukukhokha

Okufanele ukwenze kuleli cala? Kulesi simo, isikhungo credit uvuselela inkontileka ukuthenga amandla obeshade. Isihloko sesibili kuleli cala kususwe zonke izibopho. Kodwa ngo ukubuya ulahlekelwa ithuba lokufuna isabelo isikhala ephilayo. Kwezinye izimo, ukwehluleka omunye osebenza ababoleka kungaba singeqi ezinyangeni 3., Kodwa akafuni ukuba bangayeki amalungelo abo. Ezimweni ezinjalo, ukuxazulula inkinga ngezindlela ezimbili:

1. Loan co-umboleki ophindisela uketshezi.
2. IBhange nokobana impahla, futhi ukuqhutshwa wathumela ku-akhawunti yenkokhelo.

Ngokuvamile, inhlangano credit ukuthengisa ifulethi ngentengo encishisiwe cishe elilingana eyisamba yokuqala eyisikweletu. Lokhu kakhulu isheshisa inqubo.

Mortgage e isehlukaniso nezingane

Umthetho ubeka nganoma yisiphi izenzo ezihlobene impahla yomndeni, acabangele izithakazelo kwabancane. Kususelwa lo mthetho, Ngokwesibonelo, cabanga ingxabano, ukuthatha izinqumo ezifanele. Esikhathini division kwezindlu mortgage isabelo izingane Noma ngabe yikuphi, kuzokhishwa umlingani nabo bahlale. Uma benquma ukuthengisa indlu, futhi ebhaliswe ingane, kubalulekile ukuba linqume saziso. Kungenjalo, isimo Kungenzeka ube nentshisekelo zazishintsha zaba nemizimba sivikelwe futhi Trusteeship.

Qasha mortgage izindlu

Kwezinye izimo, abashadayo unquma nginikeze sokuqasha mortgage efulethini. Kufanele kuqashelwe ukuthi izenzo ezinjalo ziyathandeka emthethweni. Iqiniso ukuthi efulethini selibekiwe ebhange, ngokulandelana, kuningi akuthwele. Uma isimo esibucayi, futhi co-umboleki akanayo imali eyanele ukuze yenze imali ebolekiwe-ke, kudlule isikhala ephilayo ukuze iqashwe, kufanele ukuthola imvume ka isakhiwo zezimali.

isiphetho

Isehlukaniso sivame ukuhlukumeza ngempela ephelezelwa ezihlukahlukene izinkinga. Ngokuvamile, isehlukaniso - akuyona inqubo mnandi kakhulu, njengoba kumayelana ubudlelwane siqu nje kuphela kodwa futhi impahla izithakazelo. Ngokuvamile, abantu eduze wangaphambili beyizitha yangempela. Kuyacaca ukuthi wonke umuntu ufuna ukuzivikela. Izakhamizi, okwenza out a mortgage, njengoba umthetho, awusikiseli khona noma ibuphi ubunzima esikhathini esizayo. Kodwa ekuphileni yini engenzeka. Ngakho-ke, abameli Kunconywa ungazivikela lekusasa ngokungena ngemvume inkontileka umshado. Lo mbhalo ngokwenzenjalo uyogwema izinkinga eziningi, londoloza imizwa yakho, isikhathi nemali. Incwadi yesivumelwano umshado kufanele iqinisekiswe yi-ummeli olungisa izivumelwano, okunikeza nomphumela elingokomthetho lokubuthola. Uma ingxabano namanje lapho, futhi ngizojwayela ukuthula enkantolo, idokhumenti kuyoba ubufakazi obuqand 'ikhanda ubumsulwa.