Iimviwo zeSampula ze-Mortgage Contingency Isiqendu

Izindlela ezi-5 zokunikwa kwemali zikhusela abathengi kwisivumelwano sokuthenga

Ukuthenga ipropati ngokuqhelekileyo kubandakanya ukusayinwa kwekhontrakthi yokuthenga. Ekubeni abathengi badla ngokufanelekileyo ukufumana imali yokuthenga imali, ukuthenga ipropati, isiqhelo sinexesha eliqhelekileyo liqulethe isigatshana somthetho. Eli gatya liza kufumana iinkcukacha zemiqathango yokubophelwa kwemali kwaye iya kuchaza oko kuza kwenzeka ukuba umthengi akakwazi ukufumana imali. Funda ukuba umhlathi wesigxina se-mortgage ungaphi na iindlela ezinhlanu ezikhusela abathengi.

Iyintoni isigatya somthetho?

Xa le Mhlathi ufunekayo?

Isigatshana se-mortgage casing is afunekayo kuphela kwisivumelwano sokuthenga ukuba umthengi ufumana inkxaso-mali yokuthenga ipropati. Eli gatya alikho imfuneko ukuba umthengi uthenge ipropati kuyo yonke imali.

Kutheni le Mhlathi uqakathekile?

Umthengi unokuba nokubhengezwa kwangaphambili kwempahla xa eqhuba isibonelelo kwipropati, kodwa abanako ukuvunywa kuze kube yilapho umnini-mboleko wabo eqinisekisa inani elithile malunga nomthengi, kunye nepropathi ethengwayo. Ekubeni umthengi kaninzi akanalo ukuzinikela kokuthenga ngemali xa kuthengwa isivumelwano sekhontrakthi, eli gama lisetyenziselwa ukukhusela bobabini umthengi kunye nomthengisi xa umthengi engavunyelwe ukuthenga imali.

5 Iimviwo zeSampula zokuThengwa kwemali:

Nazi ezi zintlanu zeemigaqo eziqhelekileyo eziya kufumaneka kwisigatshana se-mortgage case.

1. Ikhontrakthi esekelwe kwi-Mortgage Contingency:

Inqaku lokuqala loqeshiso lokubanjelwa kwemali yenzelwe ukucacisa ukuba zonke ezinye izigatshana zekhontrakthi azivumelekanga ukuba umthengi akakwazi ukufumana ukuzinikela kwemboleko. Eli gatya likhusela umthengi kuba livumela ukuba aphume kwisivumelwano ngaphandle kwemiphumo yomthetho kwaye ngaphandle kokulahlekelwa nayiphi na imali esele ifakwe.

Eli gatya likhusela umthengisi kuba unokunyuka kwelinye ilithengi xa umthengi wangaphambili engakwazi ukufumana imali.

Imigaqo yokuboleka:

Isigatshana se-mortgage case should specify the terms of the mortgage commitment that will be satisfactory to the purchaser. Oku kufuneka kubandakanye:

• Ixabiso leedola elithengiweyo umthengi,
• Umyinge wenzala umthengi kufuneka avunyelwe kwaye kwaye
• Naliphi na imali ehlawulwayo.

Esi sigwebo sikhusela umthengi ngeendlela ezininzi:

1. Ikhusela kuqala umthengi ukuba unqatshelwe ukuba angayitholi imali.
2. Ukubhala uluhlu oluchanekileyo ukuba umthengi kufuneka avunyelwe ukuba abe ngumsebenzi wesibini ukukhusela umthengi. Ukuba uvunyiwe ukuba athengise imali kodwa engagunyaziswanga imali echazwe kwisivumelwano, unako ukurhoxisa isivumelwano ngaphandle kwemiphumo eminye.
3. Indlela yokugqibela esi sigwebo sikhusela umthengi ngokubeka uluhlu lomyinge umthengi kufuneka avunyelwe. Ukuba umyinge wenzalo uphakeme kakhulu, umthengi angafuni ukuphinda athengise ukuthenga. Nokuba ukuba inani lokumdla litshintshi alifakwe kulo mhlathi, ngokucacileyo ukuba inzala yenzalo 'mayiyanelisekile kumthengi; unikezela umthengi ukuba angayithokozeli ngenani lentengo abavunyelwe ngumboleki.

3. Ukuxhaswa Umhla wokuQhawula umThetho:

Esi sigwebo sinika umthengi ixesha elithile apho kufuneka bafumane ukuzinikela kwemali. Le ntetho ithetha ukukhusela umthengisi. Esi sithuba sithuba kufuneka sivunyelwane ngazo zombini umthengi kunye nomdayisi, kodwa ngokuqhelekileyo kuphakathi kweentsuku ezingama-30 no-60. Ukuba umthengi akakwazi ukufumana imali mboleko ngeli xesha, umthengisi unako ukukhansela isivumelwano kunye nokuhambisa kwabanye abathengi abanomdla.

4. Ukuba uMyinge awunakuthola:

Esi sivakalisi sinika zombini umthengi kunye nomthengisi ukuba ngaphandle kokuba imali ifunyenwe ngumhla wokuxhaswa kwemali. Esi sigwebo sisoloko sithetha ukuba umthengi unelungelo lokubuyiswa kwayo nayiphina imali edibanisiweyo. Umthengisi uvumelekile ukuba ahambe kude kweli nqanaba. Ukuba umboleko ongenakufunyanwa ngumhla wokuxhaswa kwemali, ngaba iqela kufuneka lixelele elinye iqela ngokubhala ngenjongo yakhe yokukhansela isivumelwano.

5. Umhla wokuQinisekiswa koNyaka:

Ukuba umthengi akafumene ukuzinikela kokubolekwa kwemali ngohlobo lokuxhaswa kwemali, umthengisi angavuma ukuvumela umthengi ukongezwa ukuba athole imali. Ubude bokwandiswa kuya kuvunyelwana ngabo bobabili umthengi kunye nomthengisi.

Isampula seMboleko yokuThengiswa kwemali Isiqendu:

Oku kulandelayo ngumzekelo wesigatya sokubanjelwa kwempahla ongayifumana kwisivumelwano sokuthenga. Iimvumelwano ezichanekileyo zekhontraki ziyahlukahluka njengoko kufuneka zivunyelwane ngazo zombini umthengi kunye nomthengisi.

Imbopheleleko yomthengi phantsi kwesi sikontraka ixhomekeke kuMthengi ukuba afumane ukuzibophelela okubhaliweyo okungenasiphelo kwi- mboleko evela kwibhankini okanye nakwezinye izikweletu zesikhungo kwixabiso elilinganayo % yentengo yokuthenga, okanye <$. 00>, ngesantya esiyanelisayo kuMthengi. Umthengi uya kuba neentsuku ezingamashumi amathathu (30) ukususela kumhla wesivumelwano ukuze afumane ukuzinikela okubhaliweyo. ("Umhla wokuXhaswa kweeMali") Ukuba uMthengi akafumananga ukuzinikela okunjalo kwixesha elikhankanywe ngasentla, nayiphi na inxaxheba inokukhenxisa le khontrakthi kwisaziso esibhaliweyo kwelinye iqela emva kokuphela komhla wokuxhaswa kwemali kunye nazo zonke iimali ze-deposit ziya kubuyiselwa kumthengi kwaye akukho nxaxheba iya kuba nelinye icala kuye. Umhla wokuxhaswa kwemali ungadluliselwa kunye nemvume yoMthengisi, leyo mvume ayiyi kukhishwa okanye ingalibaleki. "