6 Isiseko seNgcaciso yoLondolozo lweNgcaciso yasePennsylvania

Ubungakanani Okwazi Ukuqokelela kunye Nokugqibela Kwokubuya

IPennsylvania iqulethe imithetho yokukhutshwa kwezokhuseleko kwimithetho yomqeshi womnini. Ukuba ungumnini wasePennsylvania kwaye uyiphumelele ukuyilandela le mithetho, unokulahlekelwa ilungelo lakho lokugcina i-deposit yokukhupha umqeshi okanye unokunyanzeliswa ukuba uhlawule umonakalo owongezelelweyo umqeshi. Nantsi imithandathu imibuzo ebalulekileyo malunga nomthetho ngamnye umninikhaya kunye nomqashi kufuneka aqonde.

Imibuzo ebuzwa qho:

1. I-Deposit Limit Limit- Iinyanga ezimbini KwiRhafu yoNyaka wokuqala wokuqeshisa , Intlawulo yeNyanga enye emva koko.

1. Ukugcina i-Deposit- Indawo kwi-Akhawunti ye-Escrow okanye iBond Guarantee Bond.
2. Isaziso esibhaliweyo emva kokufumana imvume- Ewe, kufuneka.
3. Ukuthabatha- Ukulimala, Ireyithi engahlawulwanga, Ukuphulwa koqeshiso.
4. Hamba-Ngokuhlola- Akufuneki.
5. Ukubuyiswa kweDistim- IiNyanga ezingama-30 Emva kokuSuka kweNkqubo yokuPhuma .

1. Ngaba ikhona i-Deposit Depit Limit ePennsylvania?

Kwimeko yasePennsylvania, imali enokuyiqokelela njengenguqu yokugcina idiphozi ngokusekelwe kubude bendawo yokuhlala.

• Unyaka WokuQala WokuQala: Umnini-mboleki unokuhlawula umqeshi ithuba lokuqeshisa kweenyanga ezimbini ngunyaka wokuqala woqeshiso lwabo.
  
• Unyaka wesiBini wokuqeshisa : Xa uqeshiso lufika unyaka wesibini kunye naluphi na unyaka emva koko, umninikhaya angabamba irenti enye yenyanga ekhutshwe njengekhuseleko.
  
• Unyaka wesihlanu wokuqeshisa: Ukuba umqeshi uhlala kwindawo leyo kwiminyaka emihlanu okanye ngaphezulu, umninimzi angasayi kufuna ukuba ikhutshwe idizithi yokhuseleko ukuze ihlale ingqinelana nokunyuka kwerenti.

2. Ungayifumana njani i-Deposit Deposit ePennsylvania?

Abanikazi bezindlu ePennsylvania baneendlela ezimbini zokugcina idiphozi yokhuseleko lomqeshi.

Bangakwazi ukuyibeka kwiakhawunti ye-escrow okanye bayakwazi ukuthumela isibophelelo soqinisekiso kwisixa sokukhutshwa kwekhuseleko.

• I-Akhawunti ye-Escrow: Umnini-mnini unokugqiba isigqibo sokubeka nayiphi ikhuseleko efunyenweyo engaphezulu kwe-$ 100, kwi-akhawunti ye-escrow. Ibhanki okanye isikhungo kufuneka lilawulwe ngenye yale mibutho emine:
  1. I-Federal Reserve Board,
  2. Ibhodi yeBhanki yeNgxowa-mali yasekhaya,
  3. Umlawuli weMali, okanye
  4. Isebe lasePennsylvania leBhanki.
  I-akhawunti ingaba i-akhawunti ethwele inzala okanye i-akhawunti engenayo ingqalelo.
  

• Isondlo seBond: Ikhetho lesibini lomnini-mhlaba ukuthumela isibophelelo sokuqinisekisa isixa sokukhutshwa kwekhuseleko. Olu bhonkco kufuneka kukhutshwe yinkampani ekhonkcisiweyo egunyazisiweyo ukwenza ishishini kwimeko yasePennsylvania.

Abaqashi abaqalisa unyaka wabo wesithathu, okanye inyanga yeshumi elinesihlanu kwindlu, banelungelo lokufumana inzala ethe xaxa kwi-akhawunti nganye ngonyaka ithatha umrhumo owodwa wokulawula umnini-mali angawuthabatha.

3. Ngaba isaziso esibhaliweyo sidinga emva kokufumana i-Deposit Security ePennsylvania?

Ewe. Emva kokuba umninimzi athole i-deposit yokukhupha i-akhawunti yomnini-mpahla kwaye uyifake kwi-akhawunti ye-escrow, umnini-mali makaxelele umqeshi ngokubhaliweyo ngegama kunye nekheli lebhanki kunye nenani lezokhuseleko ezifakwe.

4. Ziziphi ezinye izizathu onokuzigcina ugcina i-Deposit's Security Deposit ePennsylvania?

Umnini wasePennsylvania unokukwazi ukugcina yonke into okanye isahlulo se-deposit security deposit ngezi zilandelayo:

• Ukulimala okungaphezulu kokugqithisa okuqhelekileyo kunye nokulila
• Iingxowa ezingahlawulwa
• Ukuphulwa koqeshiso

5. Ngaba Kufuneka iPhenyo lokuPhonononga ePennsylvania?

Hayi, imeko yasePennsylvania ayifuni ukuhamba-ngokuhlolwa phambi kokuba umqashi ahambe.

6. Xa kufuneka Ubuyise i-Deposit ye-Emploant's Security Deposit ePennsylvania?

Ukuba akukho zithintelo:

Umnini-nye unemihla engama-30 ukusuka kumqeshi ophumayo ukuze abuyisele i-deposit yokukhupha i-deposit.

Ukuba kukho iinqununu:

Umnini-mhlaba kufuneka abuye abuyisele i-deposit deposit kwisithuba seentsuku ezingama-30 ekuqeshweni komqeshi, kodwa kufuneka abuyisele kuphela isahlulo se-deposit yasekuqaleni esele emva kokuncitshiswa. Umnini-mhlaba kufuneka afake uludwe oluhlelwe ngayo yonke imonakalo kunye neendleko zokulungisa. Ukuba umninimzi ongeke anikezele olu luhlu uluhlu, uya kulahla ilungelo lokugcina nayiphi na inxalenye yesibambiso sokukhusela.

Ukuba umninimzi angabuyi idiphozithi yokukhusela kwisithuba se-window ye-30, umnini-mhlaba unokuba noxanduva lokuhlawula umqeshi kabini inani lediphozithi ebolekiweyo.

Ukuba umqeshi akaboneleli idilesi yokuthumela:

Ukungaphumeleli komqeshi ukubonelela umninikhaya ngedilesi yakhe yokuthumela ngokubhaliweyo ngokupheliswa kweqeshiso okanye umqashi oya kuphuma uya kukhupha umnini-mhlaba ukuba athathe uxanduva lokubuyisela ukugcinwa kwokhuseleko lomqeshi.

Yintoni uMthetho weDispositi yoKhuseleko wePennsylvania?

Kwimiyalezo yasekuqaleni ye-deposit law yasePennsylvania, nceda uqhagamshelane nesihloko sePennsylvania Statute 68 §§ 250.511a -512.

Isiza sinokudideka, ngoko nceda ufunde ezi zilandelayo ukufumana umthetho ngokulula.

1. Cofa kwi "Iimpapasho ze-Purdon zasePennsylvania zasePennsylvania zaseNtshonalanga," esecaleni lasekunene kwiphepha ngaphantsi kwe "Ulwazi loMthetho."
   
2. Xa usufikile kwiphepha elitsha, uza kucofa kwi "Isihloko 68 se-Real PS kunye nePropati yaBantu."
   
3. Ukusuka apho, uye ku "Sahluko 8. Umgcini wezindlu kunye nomqashi" kwaye wandise ngokusebenzisa isalathisi kwicala lasekhohlo.
   
4. Yiya kuMthetho woMhlaba kunye noMqashi we-1951 kwaye wandise.
   
5. Yiya kwiSiqendu V.Ukufumana kweZithuba kwaye ukwandise.
   
6. Ngoku, ukuba ucofa kwiifoto 250.511a., 250.511b., 250.511c okanye 250.512, uya kufumana ulwazi malunga nokugcinwa kwezokuphepha kwePennsylvania.