UMthetho weDispositi yoKhuseleko waseKentucky

Funda imida yokugcina imali kunye nemimiselo eKentucky

Urhulumente ngamnye unomthetho-umnini-mhlaba owenza umyalelo wokuba uxanduva lomnini womnini kunye nomqeshi. Abanikazi bokuhlala kwilizwe laseKentucky kufuneka bahambisane nale miyalelo ethile. Ingxenye yalo mthetho isebenza kwiibhondi zokukhusela ezifunyanwa ngabanikazi bezindlu kubaqeshi. Nazi iimbopheleleko zakwaKentucky zithe xa zisebenzisana nezokhuseleko zebaqeshi.

Ingaba kukho umda wokubambisa ukhuseleko eKentucky?

Hayi.

Kwimeko yaseKentucky, akukho mda obekwe kumlinganiselo ophezulu umninikhaya angacela ukugcinwa kwekhuseleko. Nangona kunjalo, kubonakala ukuba i-deposit deposit ibe phakathi kwereti ezimbini neenyanga ezimbini. Le mali ngokuqhelekileyo ithathwa njengento efanelekileyo yokumisela umninikhaya ukuba umqeshi uphule isivumelwano sakhe sokuqeshisa, kodwa kungekhona kakhulu ukukhupha abaqashi ukuba bangaqeshwanga iyunithi. Kufuneka uhlale ujonga nomzi wendawo okanye umasipala ukuba ubone ukuba imigaqo eyongezelelweyo ingafaka isicelo kwindawo yakho.

Xa umninikhaya angayifumana nini i-deposit deposit?

Ngaphambi kokuba umninikhaya kwindawo yaseKentucky aqokelele idiphozi yokhuseleko kumqeshi, kufuneka enze izinto ezimbini:

1. Ukubonelela umqeshi ngoluhlu lwawo nawuphi na umonakalo okhoyo ngaphambili okanye iimpazamo kwiyunithi kunye neendleko eziqikelelwayo zokulungiswa.
2. Yazisa umqeshi ilungelo lokuqashwa lomqeshi. Umqashi unelungelo lokuhlola iyunithi phambi kokuba angene kuyo ukuze aqinisekise ukuba uluhlu lomnini womonakalo luchanekile. Umqeshi uneendlela ezimbini:
   1. Tyikitye Uludwe :

      Umqashi angakhetha ukwamkela uluhlu lwemonakalo ekhoyo ekhoyo. Ukuba ubonisa uluhlu, uyavuma ukuba ingxelo yokulimala ichanekile. Umnini-mhlaba kufuneka asayine le uluhlu.

   2. Ingxelo yokuLahlwa :

      Ukuba umnini-mali engakholelwa inqaku lomonakalo umnini-mali unikezele ngokuchanekileyo, unokunqwenela ukusayina isitatimende. Unako ukubhala isitatimende sokuchasana, oludweba zonke izinto abangavumelani nazo. Umqashi kufuneka asayine le ntetho ukuba isebenze.

Ungayigcina njani i-deposit deposit eKentucky?

Kwimeko yaseKentucky, idiphozi yokukhusela isabelo somqeshi kufuneka ifakwe kwibhankini okanye i-lending institution elawulwa nguRhulumente waseKentucky okanye nguRhulumente waseUnited States. Le akhawunti kufuneka isetyenziswe kuphela kwiimali zokugcina.

Ngaba isaziso esibhaliweyo sifunyenwe emva kokufumana ukugcinwa kwekhuseleko eKentucky?

Ewe.

Emva kokubeka ukhuseleko lomqeshi kwi-bhanki okanye nakwezinye iziko lokubolekisa, umninikhaya makaxelele umqeshi we:

• Igama leBhanki
• Idilesi yeBhanki
• Inombolo ye-akhawunti

Ziziphi ezinye zezizathu onokuzigcina ukhuseleko lomqeshi eKentucky?

Kwimeko yaseKentucky, unako ukugcina yonke into okanye isabelo se -deposit security deposit ukuze uhlawule:

• Iingxowa ezingahlawulwa
• Umonakalo ogqithiseleyo ukuGqoka kunye nokuQoba
• Ezinye iziPhene zeSivumelwano seNgqesho

Ngaba ukuhamba-ukuhlolwa okufunekayo eKentucky?

Ewe. Kwimeko yaseKentucky, umnini-mhlaba kufuneka enze uhlolo lokuhamba kunye nomqeshi. Umnini-mhlaba kufuneka ahambe kuqala kwiyunithi aze aqoke uluhlu lwemali nayiphi na umonakalo kunye neendleko zokulungisa. Umqeshi uya kuba nethuba lokungena kwiyunithi kunye naloluhlu lwemonakalo. Ukuba umninimzi kunye nomqeshi bobabini basayine uluhlu, bavumelana nemimonakalo kunye nokuncitshiswa kwe-deposit deposit.

Ukuba umnini-mali angavumelani naloluhlu, kufuneka abhale ingxelo yentetho. Kule nkcazo, kufuneka abhale izinto azivumelaniyo nazo. Umqashi kufuneka asayine kwaye ahlawule ingxelo. Ukuba umqeshi ulandela nayiphi na isenzo somthetho kumnini-ndawo, umqashi unokubuyisela imali kuphela izinto ezichasene nale nkcazo.

Kufuneka ubuyisele nini ukhuseleko lomqeshi eKentucky?

• Abaqashi Abanikezela Irente:

  Ukuba umqeshi akakhokheli irente yenyanga yakhe yokugqibela, umnini-mali unemihla engama-30 ukuze enze ibango lokukhupha ikhuseleko. Ukuba abazami ukufaka isicelo sokubakho imali yabo emva kweentsuku ezingama-30, umnini-mhlaba unokususa idiphozithi kwi-akhawunti yebhanki kwaye usebenzise idiphozithi ukumboza irente ehlawulwayo.

• Abaqashi Abangabikho Imali Irente:

  Ukuba umnini-mali angahlawulwanga nayiphi na ingeniso ekupheleni kwesivumelwano sokuqeshisa, umnini-mboleko unomthwalo wokuxelela umnini-mali umrhumo wezokhuseleko zabo ukuba baya kubuyiselwa. Le saziso kufuneka ithunyelwe kwidilesi yokugqibela eyaziwayo yomqeshi okanye kwidilesi yokudlulisela enikezwe ngumqeshi. Umqashi unemihla engama-60 ukubiza idiphozithi yawo. Emva kweentsuku ezingama-60, umninimzi unokususa idiphozithi kwi-akhawunti yebhanki kwaye afune imali.

Ukuba umninimzi ohluleka ukwenza oku kulandelayo, uya kunika ilungelo lokugcina nayiphi na inxalenye yokhuseleko lomqeshi:

1. Beka ukhuseleko lomqeshi kwidilesi eyahlukileyo kwiziko lebhanki okanye kwi-lending institution kwaye wazise umqeshi wezo zinto.
2. Ukubonelela umqeshi ngoluhlu lwemonakalo ekhoyo ngaphambili kwiyunithi phambi kokungena kumqeshi.
3. Ukubonelela umqeshi ngoluhlu lwemonakalo ekhoyo ekupheleni komhlali.

Yintoni eyenzekayo kwi-deposit yokugcina xa uthengisa ipropati yakho?

Kwimeko apho uthengisa ipropati yakho, okanye ipropathi enye ingatshintshi izandla, kufuneka ubuyisele i-deposit ekhutshelwe kumqeshi okanye uthumele idiphozi yokhuseleko kumnini omtsha. Kufuneka unike isaziso esibhaliweyo kumnini-mpahla kunye nomnini omtsha, ochaza indawo yokugcina imali.

Yintoni inkokhelo yokugcina yaseKentucky?

Ukuba unomdla wokufunda umxholo wokuqala wekhomishini yaseKentucky, khawubone i-Kentucky Revised Statutes Annotated § 383.580.