Yintoni i-subrogation yempahla ebambekayo

Uthetha nini ngokwenza i ukulawulwa kwempahla ebambekayo, Sithetha ngoguquko olwenziwe kwezinye zeendawo okanye izinto zobambiso kuba sifuna ukuthatha elinye iqumrhu apho basibiza inzala encinci okanye basinike ithuba lokuyihlawula ngexesha elincinci. Oku kunokuba sisigqibo esivela kumntu onetyala lemali okanye kumbolekisi.

Kwenzeka ntoni xa i-subrogation ivela kwiqela elinetyala

Xa i-subrogation ivela kulowo unetyala okanye phakathi kwabantu, into eyenziwayo yile tshintsha umnini-mboleko. Oku kuqhelekile xa uthenga indlu esele ibanjisiwe.

Ibhanki ayinyanzelekanga ukuba yamkele umntu omtsha onetyala ukuba ayiboni kufanelekile

Ibhanki ekuza kugqitywa kuyo imali mboleko inokuthi okanye ingamkeli umntu onetyala elitsha. Phambi kokuba uphendule, ibhanki kuya kufuneka yenze ukujongisisa ubungozi nalo mntu mtsha ukuze abe nakho ukuqinisekisa ukuba ingafikeleleka na okanye hayi. Kwimeko apho umntu onetyala elitsha a umngcipheko kumthengi kwiziko, Kukho amathuba aphezulu okuba iziko aliyi kukwamkela njengomthengi, ke kuya kufuneka ujonge iziko elikunika iimeko ezifanayo.

Oku kuvumela uthathe ityala ngaphandle kokwenza nayiphi na intlawulo eyongezelelweyo ngenxa yesi sizathu. Nangona kunjalo, ukuba uza kuhlawula inkcitho yokufumana umntwana. Ezi ndleko ziyahambelana notary, iarhente, iirekhodi kunye nekhomishini yokuhambisa into enikezelweyo ngexesha lokuboleka imali.

Emva koko sine Ukuhlawulwa kwetyala oko kunokwenzeka phakathi kwamashishini. Kule meko, into eyenziweyo yile tshintsha ubambiso ukusuka kwelinye ibhanki ukuya kwelinye.

Ndiyabulela koku, ngamnye wabathengi abafuna ukwenza ifayile ye- Ukubolekwa kwemali mboleko Baza kuba nakho ukuphucula iimeko zelo mboleko ngaphandle kokuthetha ukuba ikhredithi kufuneka irhoxisiwe okanye ngaphandle kokumisela ngokusemthethweni ikhontrakthi entsha. Ukuzalelwa umntu yenye yeendlela ukhetho olungcono kubantu ukuba bayadlula kwiingxaki zoqoqosho, nangona kunjalo, kuya kuxhomekeka kakhulu kwixesha abalibhatala ngalo nakwinqanaba lenzala yabo yonyaka.

Iingcebiso zempumelelo yokuthenga indlu

Xa umthengi engonelisekanga ziimeko azinikwa ngumboleko mboleko yakhe, uhlala eqala ukuphakamisa imali ukubanakho ukwenza isibonelelo semali mboleko yokuthenga indlu. Esekwe ekubekeni imali mboleko yokubolekwa kwemali kwenye ibhanki, esele siyibonile ukuba isinika iimeko ezingcono.

Nangona kunjalo, ukufumana ibhanki esinika ezona meko zilungileyo akukho lula. Ezi ngcebiso ongaze uzilibale ukuba ufuna ukufumana yonke into ihambe kakuhle kwi-surrogacy yakho.

Awunyanzelekanga ukuba uthethe nebhanki yakho ukuze ube nakho ukwenza isivumelwano

Ukuze ukwazi ukwenza i-surrogacy, awunyanzelekanga ukuba ucele imvume ebhankini onayo ngento obambise ngayo; Kuba kwikhontrakthi esiyisayinayo nabo, akukho gatya lisixelela ukuba kufuneka sihlale nalo ixesha le-X okanye sibaxelele ukuba sifuna ukutshintsha iibhanki. Into ekufuneka siyikhumbule kukuba ukuba sifuna ukufudukela kwenye ibhanki kufuneka okungenani sibe neminyaka emi-3 yobambiso oluhlawulelweyo. Eli qumrhu litsha liza kujongana nokunxibelelana nequmrhu langaphambili libaxelele ukuba ufuna ukutshintsha kwaye ucime ityala lakho nabo kwithuba elingaphantsi kweentsuku ezisi-7.

Ibhanki inokusenza isithembiso sokuthenga

Kucacile ukuba yintoni Ibhanki ayinomdla wokuphulukana nabathengi. Oku kunokwenza ukuba ibhanki yakho, xa ifumanisa ukuba ufuna ukutshintsha izinto kwaye ubambise ngenye ibhanki, isithembiso esitsha sokuba uhlale nabo. Esi sibonelelo sokubala sinokulingana noko siza kuba nakho kwelinye iqumrhu, kodwa ezinye iibhanki zide ziyiphucule. Ixesha elifanelekileyo lokuba iziko likunike isithembiso esihle ziintsuku ezili-15 emva kokuba unxibelelanise izicwangciso zakho zokuya kwelinye iqumrhu. Injongo yokuphucula unikezelo kufuneka ihlale isenziwa phantsi komnxibelelanisi.

Zonke ii-subrogations zineendleko ezongezelelweyo

Kwimeko apho singazi ukuba zenziwa njani ezi nkqubo, silindele ukuba une Ukumitha umntwana wabanye abantu kuthwala iindleko ebekufanele ukuba ubucwangcisile ukuze ekugqibeleni ingabizi kakhulu kunokuba ubulindele.

Phakathi inkcitho yokufumana umntwana ziinkcitho ze iindleko zeofisi, ubhaliso kunye nolawulo. Kananjalo kuya kufuneka uhlawule ikhomishini encinci.

Kuya kufuneka ugcine ukhumbula ukuba ngokuhlawula ngaphantsi kwe-ms nganye, ixesha lobambiso linokunyuka.

Xa ungafuni ukutshintsha iibhanki, unokukhetha kwakhona

Ukuba awufuni kutshintsha iibhanki, ungaqhubeka ingxolo Ngawo unethuba lokuba neemeko ezingcono kodwa ngaphandle kokutshintsha iibhanki, ezinokonga inkcitho eyongezelelweyo.

Kukho enye inketho eyi ukunqongophala kwemali mboleko. Apha, sinokuhlawula kuphela inzala ngaphandle kokufaka iirhafu kangangexesha elithile.

Khetha ubungakanani kunye nomgangatho ngawo onke amaxesha

Awufuni ukunciphisa nje isixa. Uninzi lwabantu abafuna olu hlobo lokukhutshelwa ngaphandle bafuna ukuhlawula kancinci inyanga nenyanga, ngaphandle kokuqonda ukuba izinto ezininzi zibonelela ngokuhlawula ngokulinganayo kodwa ngaphezulu. Akufuneki sijonge kuphela ukubanakho ukuhlawula kancinci, kodwa nokuhlawula isixa esipheleleyo kwiminyaka embalwa. Oku kulula kakhulu, into ekufuneka siyenzile kukufumana iziko elisibiza inzala.

Yintoni omele uyazi ukuba ufuna ukutshintsha ubambiso lwakho okanye ukuba kufanelekile kuwe ukuba utshintshe ubambiso lwakho

Ukuba unayo mboleko mboleko Ingaphezulu kweminyaka emi-5 ubudala, ke lixesha elilungileyo lokutshintshela kwelinye iziko, ngakumbi ukuba inzala iphezulu kune-12%

Kwimeko apho ubuze nje imali-mboleko okanye inqanaba lenzala elingaphantsi kwe-10%, into ekucetyiswayo ayikukwenza is Subrogation nokuba uneminyaka engaphezu kwe-4.

Ngaphambi kokukhetha naliphi na iziko, kuvavanye kakuhle kakhulu i-inshurensi ekubonelela ngayo kwaye ziziphi iindleko zakho ityala lemboleko mali
Ukuba sele uhlawula ityala lakho lobambiso ngaphezulu kweminyaka eli-10, iingcali zicebisa ukuba ungaphinde wenze naluphi na utshintsho kuba ngeli xesha uyekile ukuhlawula inzala kwaye uqala ukuhlawula inqununu.

Athini amatyala apho unokubolekwa imali mboleko yempahla

Khumbula ukuba ukuba ne- ikhredithi kwiziko Xa kufikwa kumba wobambiso, akukunyanzeli ukuba uhlale apho de kuphele ixesha lobambiso. Ukuba ufumana into ekubonelela ngamagama angcono okanye inzala ephantsi kakhulu, ungaphoswa lithuba lokutshintsha ngaphandle kwaleyo ibibhatelwe imali engaphezulu kweminyaka eli-10, kuba kolu hlobo inzala iphantse yahlawulwa kwaye iyatshintsha singafuzisela ukuhlawula kwakhona.

Athini amanyathelo ngaphambi kokuzalelwa kwelinye umntwana

Ukuba wena njengomthengi, unetyala lobambiso kodwa iziko likunika iimeko ezingconoOku kufuneka kwenziwe ngokubhala phantsi kwayo yonke imiqathango ebikunike yona ekuqaleni Eli nyathelo libizwa ngokuba "sisibophelelo esibophelelayo". Eli liziko elikunika isithembiso esitsha, esiphetheyo sokunxibelelana nequmrhu langaphambili, umnqweno wakho wokwenza utshintsho kwaye baya kuthi baxelele iziko ukuba zingaphelanga iintsuku ezisi-7, bahambise imali oyibambayo kwimali mboleko yakho. Ngeli xesha kunye nokugcina umthengi, iziko lakho lingakunika isithembiso esitsha.

Ukuba uthatha isigqibo sokucinga ngokuhlala neziko lakho

Kwimeko apho unako Cinga ngokuvuselela amandla akho okuzalela abanye abantuOko kukuthi, uyayamkela imiqathango emitsha yequmrhu lakho, uhlala kulo ngokuzenzekelayo kwaye isithembiso siyanyamalala. Kukwakho neemeko apho sinomdla kwibhanki kodwa emva kokuhlalutya ityala lethu, ibhanki entsha esifuna ukuya kuyo iyalahla ukuba ngumthengi ongumngcipheko.

Kuya kufuneka ulumke kakhulu ngamakhonkco

Xa sitshintsha iibhanki, into ekufuneka siyikhumbule kukuba ziya kuhlala zisinika ezinye iintlobo zeemveliso ezinjenge-inshurensi eza nephakheji kwaye ekuhambeni kwexesha inokusidibanisa ngokungaphezulu kunokuba besingathandi . Iibhanki ezininzi azikuniki ithuba lokwenza isivumelwano kunye nazo ukuba awukhethi kwezi mveliso kwaye ezinye uzifihla njengesipho, kodwa sele zifakiwe kwixabiso.

Ukuzalelwa okanye ukubekwa endaweni yesibini, loluphi ukhetho olulungele wena?

Zombini zivakala zilinga kakhulu ebantwini abaninzi kwaye kunzima ukwazi ukuba yeyiphi Esona sigqibo silungileyo kwityala ngalinye. Ukwazi ukuba yeyiphi efanelekileyo kuthi, kufuneka sihlale phantsi senze ingxelo ngayo yonke into. Kuya kufuneka ubuze yonke into enxulumene nokungavumi kwaye undwendwele amanye amaziko amaninzi ukuze uzibambele.