Izizathu Unokuzibulala Umnini Wakho

Ixesha eli-10 lokuthatha isenzo sezomthetho

Abanikazi bokuhlala kunye nabaqeshi abafaki ukulwa nolwalamano olukhangelelana. Ngamanye amaxesha, nangona kunjalo, iingxaki ziphuhliswa ezingenakukwazi ukuzinza lula. Kule meko, umqashi angaqwalasela ukugxeka umninikhaya wakhe ukulungisa imiba. Funda izizathu zokuba unako ukumangalela umninikhaya wakho kwaye ukuba kuyona ndlela yindlela efanelekileyo.

Izinzuzo zokumelana noMnini wezindlu

Ukufakela isigwebo kunamathuba athile kubaqeshi.

• Unokukhuthaza Umhlali ukuba ahlalise ngaphandle kweNkundla: Ukwazisa umninikhaya wakho ngenjongo yokummangalela kunokushukumisela umnini-mhlaba ukuba enze konke okusemandleni akhe ukuba agweme ngokwenene ukuya enkundleni. Uvumelekile ukuba ahlale nawe ngaphambi kokuba umcimbi uhambe phambi kwejaji.
• Ukufumana Imali Ulihlawulwe: Ukuba uyamangalela umninikhaya wakho kwaye uyakuphumelela, uya kunikwa imali enetyala, mhlawumbi ngaphezulu. Umzekelo, ukuba umnini-mhlaba wakho unqabile ngokungafanelekanga ukhuseleko lwakho, uya kunikezelwa le mali, kwaye kwezinye iindawo, ezimbini okanye kathathu le mali.
• Fumana iimpazamo: Ukuba uphumelela inkundla yamatyala kumnini womnini, unokufumana umonakalo. Ngokomzekelo, ukuba iyunithi yakho yayingenakuhlala, unokunikezelwa umonakalo nayiphi na intlungu kunye nokukhathazeka okukubangele.
• Cima Igama Lakho: Ukunqoba umgwebo kumnini-umninikhaya kunokukunceda ukucacisa igama lakho. Ngokomzekelo, ukuba uyaxoshwa , ukukhutshwa kuza kubonakalisa kwingxelo yakho yekredithi kwiminyaka ezayo. Ukuba unako ukubonisa ukuba umninikhaya wakho uzama ukukugxotha ngokungafanelekanga, unokugcina i-credit yakho kunye negama lakho elihle.

• Ikhono lokuhlala kwiNdlu yakho: Ukuba ufaka i-suit kunye nomnini-mnini wakho ngokukhishwa kakubi kwaye uphumelele, awuyi kunyanzelwa ukuba uhambe kwindlu yakho.

Izingozi Zokumtshutshisa Umnini Wakho

Ukufakela isigwebo kubuye kube nemingcipheko enokuthi ngamnye umqashi kufuneka acingisise.

• Ungaphambuki: Ukuthatha isigqibo sokumangalela umninikhaya wakho akusiqinisekiso sokunqoba. Unako ukuhamba kuzo zonke ilahleko zetyala kwaye ulahlekelwe.

• Iindleko: Ukufakela isigwebo akukho nto. Uya kufuneka uhlawule iindleko zenkundla. Amazwe athile aya kufuna ukuba umelwe ngummeli, nangona ininzi ikuvumela, okanye ikufune, ukuba uzimelele kwinkundla yamatyala amancinci. Unokugqiba isigqibo sokuba ngaba imali efunayo kumnini-mnini wakho ulungelelanisa zonke iindleko ezongezelelweyo.
• Umnini wezindlu angayinokubambisana: Ukufaka icala kumnini-mnini-mhlaba kunokukhuthaza umnini-mhlaba ukuba afake icala kuwe. Ukuba ulahlekelwa yi-countersuit, unokuba noxanduva lweendleko zenkundla, iifizi zommeli, kunye nomonakalo umnini-mhlaba ahlupheke kunye nemali yokuqala oyifunayo.

Ngaba Ukhetha Indlela Entle?

Nangona ukuzithethelela kukhetho olulodwa, kusenokuba yixesha elihle likhethekileyo. Ukuba ufumana umkhwa wokumangalela umnini-mhlaba wakho, kunokukwenza kube nzima ukuba ufumane indlu kwixesha elizayo. Awufuni ukubizwa ngokuba ngumqeshi obeka phezu kwayo yonke into.

Kuya kuba neemeko ezisemthethweni apho umgwebo kukuphela kwenketho, njengobungozi obunzima obubangelwa ukunyanzelwa komnini. Kwamanye, ubunzima, imeko, inkundla ingaba yinkunkuma ngexesha lakho. Ukuba umnini-mhlaba unqanda i-$ 25 kwi-deposit yakho kwaye ubiza i-$ 50 ukuba ufake ifowuni kwinkantolo yamabango amancinci, kufuneka uqaphele ukuba ukulahlekelwa kwesigwebo somvuzo omncinci kubaluleke kakhulu ixesha lakho.

Thumela iNcwadi yokuFuna kuqala

Ngaphambi kokuba ufeze umgwebo ngokumelene nomnini-mnini-mhlaba, kufuneka uthumele ileta yesicelo kumnini womnini. Le leta kufuneka ithethe oko ufunayo kumnini womnini. Umzekelo, ufuna umninimzi ukulungisa umbhobho wokubumba kwindawo yokuhlambela. Yenza kucacile kule leta ukuba ukuba le ngxaki ayilungiswanga, uceba ukufaka ityala kumnini-ndawo.

Imigaqo kaRhulumente iyahluke

Wonke urhulumente uya kuba nemithetho eyahlukileyo malunga nokuba ungayifaka njani icala. Kufuneka uhlolisise inkundla yamabango amancinci okanye kunye negqwetha kwindawo yakho ukuba ufumane iimfuno ezichanekileyo.

Kwiinkoliso ezininzi, kukho iwaranti echaziweyo yokuhlala. Oku kuthetha ukuba umninikhaya unembopheleleko yokwenza izilungiso kunye nokugcina loo propati imeko. Umzekelo, wonke umqeshi unelungelo lokushisa, ukulungiswa kwamanzi kunye namanzi asebenzayo.

Ukuba umninikhaya unqabile ukwenza ukulungiswa okuchaphazela impilo kunye nokhuseleko lomqeshi, ngoko umqeshi unako ukuyeka ukuqeshisa irente, ukuphuma ngaphandle kwipropati okanye ekugqibeleni ummangalele umninikhaya.

Uyaphila uMnini?

Umnini umnini-mhlaba ngokuchasene nokugwetywa kwamatyala atholakala kwinkundla yamatyala amancinci. Noko ke, iziganeko zokuzimela, zivakala ukuba zivezwe enkundleni ephakamileyo. Kwakhona, ngalinye ilizwe liya kuba nemithetho eyahlukileyo malunga neenkqubo ezichanekileyo.

Ngokomzekelo, inani elingaphaya unokumangalela umninikhaya wakho liya kuhluka kwilizwe ngalinye. Kwamanye amazwe, lo mda u-$ 3,500, ngelixa kwabanye kukho i-$ 10,000.

Imithetho kaRhulumente iya kwahlukana nokuba umnini-mhlaba kufuneka aphendule njani kumgwebo. E-Alabama, umninikhaya unemibuzo eyi-14 ukuba aphendule, ngoxa e-New York, umninimzi kuphela kufuneka aphendule ukuba uyazicwangcisa ngokucwangcisa umqeshi.

Nini ukuSula uMnini

Xa ufanele uxolele umninikhaya wakho kuxhomekeke kwisizathu sokuthi uyazibulala. Ukuba uyaxela ngenxa yokuba umninikhaya unqabile ukugcinwa kwekhuseleko lakho, ngoko kuyacaca ukuba ufake ifowuni emva kokuphuma. Ukuba uyaxela ngenxa yokuba umninimzi wenqaba ukwenza ukulungiswa ukwenzela ukuba iyunithi ihlale khona, kuyacaca ukuba udibanise xa usebenza ngokuqeshisa.

Ukuba uthetha ngoxa usaphila kwindawo yokuhlala, ubeka umngcipheko umninikhaya ezama ukuphindezela . Nangona kunjalo, abaninzi banemithetho enqabela abanikazi bezindlu ukuba benze isenzo sokuziphindisela ngokuphendula umqeshi ethatha isenzo esivunyelwe ngokomthetho, njengokuthatha umninikhaya enkundleni.

• I-Statute of Limitations: Kufuneka uqaphele ukuba kukho ummiselo wokunciphisa malunga nexesha elingakanani emva kwesiganeko kufuneka uphose umninikhaya wakho. Imithetho iyahluka ngokubanzi. Kwamanye amazwe, unako ukufumana uncinane nje unyaka, ngelixa kwabanye, unokufikelela kwiminyaka elishumi. Kwiindawo ezininzi, ezifana ne-Connecticut kunye neLouanaana, ummiselo wokunciphisa umonakalo wepropati umncinci kunezo zivumelwano ezibhalwe phantsi, ngelixa kwezinye, njengeMaryland neNew Jersey, lilinganayo ixesha.

Izizathu ezili-10 ongazenzayo Umhlali wakho

Imithetho ethile yemigaqo iya kudlala kwakhona. Ngokubanzi, unakho ukufaka ifowuni kummelwane wakho ngenxa yezi zizathu zilandelayo.

1. Ukugcinwa ngokungekho mthethweni Ukugcinwa kweDistim yakho yoKhuseleko: Umthetho ngamnye womnini-mhlaba uthetha izizathu ezicacileyo ukuba umninikhaya angathatha intsalela kwi-deposit yakho . Ukuba umninimzi owenzele ukuxothwa ngesizathu esivunyelwe ngokomthetho, njengento yokugqoka nokuqhekeza kwipropati, ungathatha umninikhaya wakho enkundleni. Unokufakela ifowuni ukuba umnini-mhlaba wakho akabuyanga ukukhupha ikhuseleko yakho okanye uyayigcina kwaye uyichaze ngokunyanisekileyo ukuba uyaphule imigqaliselo yokuqeshisa kwakho.
2. Ungayithobeli iMithetho yeDistim yoLondolozo lweSizwe: Ukongezelela ekubambeni ngokungafanelekanga ukugcinwa kwekhomali yakho, unokukwazi ukumangalela umninikhaya ukuba akahambanga nemigaqo yokukhutshwa yokhuseleko. Oku kungabandakanya ukuhlawula ngaphezulu kwezinga eliphezulu elivumelekile , ukuhluleka ukukwazisa apho idiphozithi yakho ibanjwe khona okanye ungaphumeleli ukufaka uluhlu olubhaliweyo lwazo naziphi na izihlomelo ezithathwe.
3. Ulwahlulo lwezindlu: Ukuba umninikhaya wakho waphula umthetho we- Federal Fair Housing Act , unokuba netyala lokulwa nabo. Okokuqala kufuneka ufake isikhalazo kwi-HUD. I-HUD iya kuphanda kwaye xa ivakalelwa ukuba umninimzi wenza ubandlululo lwezindlu, kuya kuthathwa amanyathelo omthetho.
4. Izigqeba ezingekho mthethweni kwisivumelwano sokuqeshisa: umnini-mhlaba akakwazi ukufaka iigatya kwindawo yokuqeshisa engekho mthethweni okanye echasene nemithetho yomqeshi-nkqubo. Ngokomzekelo, izilwanyana zenkonzo zivunyelwe phantsi kwe-Federal Fair Housing Act. Ukuba umninikhaya unqaba ukuvumela izilwanyana zenkonzo, akukho mthethweni. Omnye umzekelo uya kuba ngumhlathi kwiqeshiso echaza ukuba umninimzi onoxanduva lokwenza nayiphi na indlela yokulungiswa kwipropati okanye ukuba umninikhaya unelungelo lokwenza umnini-mhlaba aphume kwipropati nanini na enqwenelayo.
5. Umnini-mhlaba akayi kubuyiselwa kwakhona ukulungiswa: Ukuba umninimzi wenqabe ukwenza ukulungiswa okuchaphazela impilo kunye nokhuseleko, okanye wenqabile ukuyenza ngexesha elifanelekileyo, kwaye wena ngokwakho uhlawulise omnye umntu ukuba wenze ukulungiswa, unokusombulula umninikhaya ukufumana imali oyihlawulayo ephaketheni lakho, kwakunye nemonakalo enokwenzeka.
6. Inyunithi ayinakuhlala khona: Unokufaka ifowuni ukuba umnini-mnini wakho wenqaba ukulungiswa okuchaphazela impilo yakho nokhuseleko . Umzekelo, awukwazi ukuqhuba amanzi, ukushisa kwakho akusebenzi ebusika okanye unobumba lobumba okanye ingozi yokupenda. Kule meko, ngaphambi kokuba ufake ifowuni malunga nomnini-ndawo, kaninzi unakho ukhetho lokukwazisa umninikhaya ukuba uya kugcina irente okanye uphume ngaphandle kwunithi ukuba ayilungisi loo mbandela.
7. Abazange baxelele iingozi zePaint / Ingqungquthela yeMold : Iingxowa-mali kufuneka zichaze nayiphi na into ekhoyo ekhoyo, okanye ekhoyo ngaphambili okanye engaphambili yezinto zokupenda kwipende . Akukho mthethweni ukuba umninikhaya afihle ngenjongo yokuzifihla le ngcaciso kuwe, ingakumbi kuba yinkinga enokubangela iingxaki zempilo zexesha elide.
8. Ukungena kwePropati yomqeshi ngokungekho mthethweni: Abanikazi bezindlu kufuneka banike isaziso esifanelekileyo sokungena kwindawo yokuqeshisa umqeshi kwaye banokwenza oko kuphela ngenxa yezizathu ezivunyelwe ngokomthetho. Ukuba umninikhaya uphula umthetho, umqeshi angaya enkundleni ukuba ayeke umninikhaya angene kwaye anganikwa inkokhelo.
9. Ukulimala kwiPropati yokuRhalwa kweMpahla: Unokuba netyala lokumangalelwa kumnini-mnini wakho ukuba unobungozi kwindawo yokurenta ngenxa yokunyanzelwa komnini. Ngokomzekelo, uyaphonsa kwaye uwele ngenxa yokuba akukho mthinteli ofunekayo ngokomthetho kwizitepsi. Awukwazi ukumangalela umninikhaya ukuba ukulimala kwakho kungenxa yokunyanzelwa kwakho. Ngokomzekelo, indlu yakho ingcolile kangangokuthi udibanise kwaye uwele endlwini yakho kwinqaba yeengubo zakho ezingcolileyo.
10. Ukufakela inkohlakalo engekho mthethweni: Unokwenza umlinganise umninikhaya wakho ukuba uziva ukuba umninikhaya uzama ukukugxotha ngokungekho mthethweni.