Inyunyano yentsapho ibonisa ukuba abantu abatshatileyo banomdla-oqhelekileyo, abantwana, impahla. Xa umtshato uqhawulwa, yonke into efunyenwe ngabafazi, njengomthetho, ilawulwa ngokwahlula. Icandelo linokuthi lisebenziseke - oko kukuthi, abatshatileyo bagqiba yonke into ngokuthula, okanye enkundleni-xa kungenakwenzeka ukuba bavumelane. Kule nqaku siza kuxubusha ukwahlula kwezindlu zangasese kwindawo yokuqhawula umtshato, oko kukuthi indlu.
Indlela yokwahlula indlu?
Ukwahlukana kwendawo yokuhlala, indlu kunye neminye impahla ngexesha loqhawulo lomtshato ngumtshato onzima kwaye kunzima. Xa ipropati yipropati eqhelekileyo yabini bobabini, kwaye abanako ukuvumelana ngokwabo, isahlulo se-propati senzeke ngeendlela ezimbini:
- Ukuthengiswa kwezindlu kunye nokwabelana ngemali phakathi kwabatshatileyo. Ukuba omnye wabafazi bafuna ukuthengiswa kwezindlu zangaphandle, ukuthengiswa kwayo kunokunyulwa enkundleni. Okokuqala kwaye ngokuphambili, umsizi wesikhokelo wenkxaso-mali unquma ukuba yeyiphi na indawo yezindlu ezifunwa ngumntu ngamnye. Njengomthetho, izabelo zibhekwa njengelilingana, ngaphandle kwezinye iimeko. Ngexesha lokwahlula kwezindlu kunye nomtshato, ixabiso layo lichongiwe ngokuhambelana nexabiso lemarike lezindlu ezifanayo. Ngenkcazelo yayo ecacileyo, u-realtor uyamenywa.
- Icandelo lepropati - iindawo zokuhlala, ngokuqhawula umtshato. Oku kuthetha ukuba umlingane ngamnye unikezelwa inxalenye ethile yezindlu, enelungelo lokulahla.
Ukuba ityala lokwahlukana kwepropathi ngokuqhawula umtshato liza enkundleni, ngoko, ngokomthetho, kule meko ubudlelwane phakathi kwabatshatileyo buyingozi kakhulu. Kukholo lobuxoki, ukunyundela kunye neendlela ezahlukeneyo ezivimbela ukwahlukana okufanelekileyo kwepropati. Ngokuqhelekileyo, omnye wabasetyhini uqala ukuphikisa ukuba ipropathi ayifumanwanga ngumtshato, kodwa yayiyindawo yakhe kuphela. Kwiimeko ezinjalo eziphikisanayo, inkundla ithatha indawo yokuhlala kwaye iqala ukuqokelela ubungqina ukulungisa imeko.
Yaye ukuba wayetyala?
Okwangoku, imeko eqhelekileyo kukuba abo babesandulana nabo baqala ukwabelana ngezindlu ezithengwa ngetyala. Ukuba umboleko uhlawulelwa, ke abo baqalayo abafazi abanalo ilungelo lokuthengisa loo propati. Kule meko, unokuqhuba ngendlela elandelayo:
- kufaka isicelo enkundleni ecela i-mortgage section kwicala lokuqhawula umtshato. Okokuthi, ngamnye umtshato wesibini umtshato uya kuqala ukuhlawula isiqingatha sentlawulo yenyanga. Akunakwenzeka ukufeza icandelo lemboleko ngexesha lomtshato ngokuthe ngqo kwi-bhanki;
- kuphinda ikhuphe umboleko omnye komtshato. Ngokomthetho okhoyo, ukwahlula amatyala ngexesha loqhawulo-mtshato lwenziwa ngamasheya alinganayo. Kodwa ukuba eso sibini siza kwesivumelwano, ngoko umtshato uqeda isidingo sokuhlukanisa indlu - i-mortgage iyabuyiselwa umntu omnye. Kule meko, ngokomthetho, iqabane lesibini lifumana umvuzo othile kwaye iyancitshiswa nawaphi na amalungelo kwigumbi;
- kuhlawulwa kwangaphambili umboleko kunye nokwahlula ipropati.
Ulwahlulo lwezindlu ezifihliweyo kunye nokuqhawula umtshato lwenziwa kuphela xa loo propati ibhaliswe ngabasibini bobabini. Ngaphandle koko, umnikazi opheleleyo
Ukwahlula kwezindlu zikamasipala ngexesha loqhawulo-mtshato lwenziwa ngoxolo kunye nemvume yomntu womtshato, okanye inkundla.
Nayiphi na isahlulo sezindlu zangasese ngexesha loqhawulo-mtshato uthatha amaninzi amaninzi kumntu ngamnye womtshato. Xa kunokwenzeka nayiphi na imeko engquzulwano, kuyimfuneko ukuqesha igqwetha - kuphela ekuthatheni inxaxheba kuye ngamnye umtshato uya kukwazi ukuphumeza isigqibo esincomekayo kakhulu senkundla.