Yintoni ukuchithwa kwaye kwenzeka ntoni?
Ibhizinisi lithenga isakhiwo okanye esinye isakhiwo kwi-bhanki okanye omnye umbolekisi.
Umboleki-mali ufuna inzala yokhuseleko kwipropati, xa umboleki ehluleka ukuhlawula. Isivumelwano sokuthenga siqulethe isigatya esivumela umboleki ukuba abuyisele ipropati ukuba umntu obolekayo afezekile. Kwezinye iimeko, isigatya sokukhawuleza sifakwe kwisivumelwano, oko kuthetha ukuba umntu obolekayo unokuhlawula umlinganiselo wonke ukuba imboleko ayiyiyo.
Ikhredithi ithumela isaziso sokungagqibekanga kumntu onetyala, owanikezelwa ixesha elide, ngokuqhelekileyo libizwa ngokuba lixesha lokuhlengwa, ukunyanga okungekho. Umboleki unako ukwenza i-mboleko yangoku, kubandakanywa izigwebo kunye nomdla, ukusebenza kwamalungiselelo kunye nombolekisi, okanye ukuvakalisa i-bankruptcy ngeli xesha, elimiselwe ngumthetho kaRhulumente. Ukuba umntu onetyala akakwazi ukunyanga okungagqibekanga ngeli xesha, loo propati ibanjwe kwaye ithengiswe, kunye nenzuzo iya kuqala kuqala kumnini-mvume kunye nakwabanye abamba imithwalo kwipropati, nayiphi na ibhalansi eseleyo, ukuba kukho, buyela kumboleki.
Amanye amazwe avumela umbolekisi ukuba afake isigwebo sakhe somntu onetyala kwi-balance balance after sale.
Ziziphi iintlobo zokuqhawula?
Uhlobo oluqhelekileyo lokuchithwa kwelokugweba ukugweba, apho ukuthengiswa kwepropati kufakwa phantsi kolawulo lwenkundla. Amanye amazwe angavumela ukuchithwa ngamandla okuthengisa, okuvumela umnini-mboleko ukuba athengise ipropathi ngaphandle kokulawulwa kwetyala.
Yintoni into eyenzekayo kwindawo yokuchithwa?
Kwezinye iimeko, umbolekisi angavuma ukuba athathe isenzo (ubunikazi) bepropathi. Ukutshintshwa kobunini kunye nexabiso elifanelekileyo lemarike yepropathi kufuneka kuvunyelwane kuwo onke amabini kwaye uthethathethwano.
Ukuqwengula kukuthintana njani nokutshatyalaliswa kwebhizinisi?
Ukuchithwa kwipropati yezoshishino kunokwenzeka ngaphandle kokubhankqalaza ukuba umnini-shishini akakwazi ukwenza iintlawulo kwisakhiwo okanye kwenye indawo. Kuqhelekileyo, nangona kunjalo, ukuba ishishini libe neengxaki kwaye lichaze i-bankruptcy kuba ayikwazi ukuhlawula nayiphi na iindleko zayo. Isahluko 11 sokulungiswa kwebhanki kuphelisa okwethutyana ukuvalwa kwexesha kuze kube yilapho iplani yokulungiswa kwakhona ivunyiwe yinkundla. Isahluko sesi-7 sokuchithwa kwamatyala kubandakanya ipropati echanekileyo kwiluhlu lwezinto ezifunekayo. Kodwa ukutshatyalaliswa akuthethi ukuba umntu onetyala unokuhamba ukusuka kwipropati phantsi kwe-foreclosure; ipropathi ingathengiswa ukuhlawula amatyala e shishini.
Ngaba kunokwenzeka ukukhusela ukuchithwa?
Kukho iindlela zokulibazisa okanye ukukhusela ukuchithwa. Kwimeko nganye, kukulungele ukuqhagamshelana nommeli we-bankrupt okanye umcebisi wezemali oqhelana ne-bankruptcy. Nazi ezinye iziphakamiso:
- Refinance. Unokwazi ukufumana imali ehlawulwayo, mhlawumbi kumboleki okanye omnye.
- Fumana enye imali, mhlawumbi kubahlobo, izalamane, okanye abatyala-mali.
- Qinisekisa ngomntu mboleko, ukuba awukwenzi oko. Oku kufaka i-asethi yakho engozini, kodwa kunokukunceda ukuba uzive ukuba imeko yesikhashana kwaye inokuvumela ithuba lokuhlaziya ngokuzayo kwaye uchithe isiqinisekiso sakho.
- Faka ifowuni yokumisela, enokumisa okwesikhashana ukucima ukuxhomekeka (kuxhomekeke kwimimiselo yesivumelwano sokuthenga).
- Bhengeze i-bankruptcy. Njengoko kuchazwe ngasentla, ukuchithwa kwe-bankruptcy kuyimisa ukuvalwa kwexesha okwesikhashana ngelixa inkundla isebenza ngokuqhubekayo.
Ukuzikhusela
Eli nqaku kunye nolwazi kule ndawo lujoliswe kulwazi oluqhelekileyo kuphela. Umbhali akayiyo i-CPA, ugqwetha weerhafu, okanye uMmeli obhalisiweyo. Qhagamshelana neengcali zerhafu yakho ngolwazi olunxulumene nesimo esithile.