Imithetho iyashintsha kancane kancane futhi lokho kuvumela into ebingenzeki ngaphambili ukuthi yenziwe manje. Inkinga ukuthi asazi njalo ukuthi kwenziwa kanjani. Isibonelo, ukugxila endabeni yezindlu zokuhlala, Uyazi ukuthi ungakucela kanjani ukuphakanyiswa kwe-mortgage ngenxa yokuphelelwa yisikhathi?
Uma kuyinto ekuthakaselayo kodwa ungazi ukuthi yiziphi izimfuneko okufanele uhlangabezane nazo, yiziphi izinyathelo futhi kuziphi izimo ongenakuyicela, sizobe sesixazulula lokho kungabaza.
Kuyini ukukhushulwa kwe-mortgage ngokuphelelwa yisikhathi
Yaziwa nangokuthi ukwesulwa kwe-mortgage ngenxa yokuphelelwa yisikhathi, yisimo sokuthi inikeza i-Civil Code ngokuthi umuntu angacela ukuthi imali yokuthenga indlu ihoxiswe ethi isiphelelwe yisikhathi.
Eqinisweni, ibuswa Isihloko se-CC 1964 (Ikhodi Yomphakathi) efundeka kanje:
"eyodwa. Isenzo se-mortgage sinquma emva kweminyaka engamashumi amabili.
2. Izenzo zomuntu siqu ezingenalo igama elikhethekile ebekwe ngemuva kweminyaka emihlanu njengoba ukugcwaliseka kwesibopho kungafunwa. Ezibophweni eziqhubekayo zokwenza noma ukungakwenzi, igama lizoqala ngaso sonke isikhathi lapho bephulwa khona.
Okusikhathazayo ekukhushulweni kwe-mortgage ngenxa yokuphelelwa yisikhathi kungaba yisigaba sokuqala, lapho ibeka isikhathi seminyaka engama-20. Uma iminyaka engu-20 isidlulile, ungacela lokho kukhanselwa.
Manje, kufanele futhi sicabangele Isigaba 82 somthetho we-Mortgage Lawuthini:
«Ukubhaliswa noma izichasiselo zokuvimbela ezenziwe ngenxa yesenzo somphakathi, ngeke zikhanselwe ngaphandle kwesigwebo lapho kungekho sikhalazo esisalindile., noma ngenye itayitela noma idokhumenti eyiqiniso, lapho umuntu okubhaliswa noma isichasiselo okwenzelwa kuye, noma izindlalifa zabo noma abameleli abasemthethweni, enikeza imvume yabo yokukhansela.
Bangakwazi, nokho, skukhanselwe ngaphandle kwezidingo ezishiwo lapho ilungelo elibhalisiwe noma elinezichasiselo licinywa ngokumenyezelwa koMthetho noma ngenxa yalokho kubangelwa isihloko esifanayo ngenxa yalokho ukubhaliswa noma isichasiselo sokuvimbela senziwa.
Uma ukubhaliswa noma isichasiselo kwenziwa ngesenzo somphakathi, ukuhoxiswa kwakho kwemali futhi umuntu okulimazayo engakuvumeli, omunye onentshisekelo angakufuna ezinqubeni ezijwayelekile.
Izinhlinzeko zalesi sihloko ziqondwa ngaphandle kokubandlulula imithetho ekhethekile yokuthi ekukhanselweni okuthile kufakwe kulo Mthetho.
Ngesicelo somnikazi obhalisiwe wanoma yiliphi ilungelo phezu kwendawo ethintekile, ukwesulwa kwemibandela yokukhokha kungenziwa ngesiqinisekiso senani elihlehlisiwe okukhulunywe ngalo esihlokweni se-11 salo Mthetho kanye nezikweletu zezindlu eziqinisekisa noma iluphi uhlobo lwesibopho, lapho umnikazi ecela khona noma iliphi ilungelo endaweni ethintekile. isikhathi esithile bekungakavunyelwana ngaso, lapho isikhathi esishiwo emthethweni womphakathi esisebenzayo sokugunyazwa kwezenzo ezithathwe kuziqinisekiso ezishiwo sesidlulile noma esifushane kakhulu esasibekwe ngalezi zinhloso ngesikhathi somthethosisekelo wawo, sibalwa. kusukela ngosuku lapho ukunikezwa okuqinisekisiwe ukugcwaliseka kwakho kufanele kukhokhwe ngokugcwele ngokuvumelana neRegistry, inqobo nje uma kungakapheli unyaka olandelayo kungaveli kusukela kuleyo yokuthi zivuselelwe, ziphazanyiswe incwadi kadokotela noma zikhishwe ngokufanelekile i-mortgage.
Ngamanye amazwi, Iminyaka engu-20 kufanele ibe isiphelile njalo kusukela ekupheleni kwesikhathi sokukhokha esisesitayeleni. Ngaphezu kwalokho, kuzoba umnikazi wokubhalisa okufanele akwenze.
Lokhu kusho ukuthi awukwazi ukukhansela i-mortgageNakuba sekudlule iminyaka engaphezu kwengu-20, ngaphandle kokuthi "ulungisiwe". Akuvumelekile "ukweqa" ekukhokheni izinkokhelo ze-mortgage, kodwa ngenqubo yamahhala ukurekhoda ukuthi lesi sakhiwo simahhala.
Yiziphi izidingo ukuze ukwazi ukukhulisa imali yokuthenga indlu ukuze iphele
Ngokubheka lokhu osekushiwo, akungabazeki ukuthi kunezidingo ezimbili eziyisibopho okufanele kuhlangatshezwane nazo ukuze kucelwe ukuphakanyiswa kwe-mortgage ngenxa yokuphelelwa yisikhathi. Lokhu kungaba:
- makube khona ngemva kweminyaka engama-20 ngemva kokuba imali yokuthenga indlu isikhokhiwe.
- noma ubani oyicelayo abe umnikazi kumbe izindlalifa zalokhu.
Eqinisweni, lapho kusayinwa i-mortgage, umuntu kufanele akhokhe isamba saleso sikweletu futhi, lapho iphumelela, iyacinywa. Kodwa empeleni, isarekhodwa ku-Registry Property ngoba leyo mali yokubolekwa kwemali ayikhanselwanga ngokuzenzakalelayo lapho, kodwa kunalokho, kubo, isekhona. Ngakho-ke, inqubo abaningi abangayenzi iwukukhansela imali ebolekiwe lapho beqeda ukukhokha imali ebolekiwe. Okusho ukuthi, ukwenza ukwesulwa kokubhaliswa kwe-mortgage ku-Registry.
Le nqubo ayiphoqelekile, kodwa iba kubalulekile uma lokho ofuna ukukwenza kuwukuthengisa noma i-remortgage.
Manje, esimweni sokukhanselwa kwe-mortgage ngenxa yokuphelelwa yisikhathi, inqubo injalo ngokuphelele free inqobo nje uma izidingo zifinyelelwa.
Izinqubo zokwenyusa i-mortgage ngenxa yokuphelelwa yisikhathi
Uma ucacile ukuthi uhlangabezana nezidingo zokucela ukukhushulwa kwempahla yezindlu ngenxa yokuphelelwa yisikhathi, khona-ke iminqamulajuqu okufanele uhlangabezane nayo yile elandelayo:
Iya ku-Land Registry
lapho, kufanele cela isibonelo, noma uyilande kuyi-Internet njengoba itholakala.
Uma umnikazi engakwazi ukuzihambela mathupha, angaba khona qoka umuntu ozokumela. Ukuze wenze lokhu, lesi senzakalo kufanele sisayinwe umnikazi ngokwakhe futhi kufanele futhi sihambisane nokugunyazwa nokugunyazwa kwesiginesha ngendlela ye-notarial.
Ngakho-ke, okungcono kakhulu (futhi okushibhile) ukuya mathupha. Impela, letha umazisi wakho ukuze umbhalisi aqinisekise ubunikazi bakho.
Gcwalisa ifomu elijwayelekile
KuRegistry kungenzeka ukuthi bakunike idokhumenti lapho kumenyezelwa khona ukuthi sekudlule iminyaka engama-21 (engama-20 esungulwe ngokomthetho kanye neyodwa eyengeziwe) yaleso senzo se-mortgage. Nokuthi i-mortgage iyacinywa kodwa ayikhanselwa.
Ingabe bayayicela imibhalo?
Kuya ngobhalisi, noma izinqubo zangaphakathi ezenziwa ku-Land Registry lapho uya khona, kungase kudingeke imibhalo lapho ungaqinisekisa khona ukuthi i-mortgage yaneliseke ngempela.
Lokhu kungenziwa nge idokhumenti yokukhokhelana kwentela yezenzo zomthetho ezibhaliwe.
Kungaba kuhle futhi hlinzeka ngamanye amadokhumenti ahlobene nokuphela kwe-mortgage. Ngale ndlela, unethuba elingcono lokuthi isixazululo sizoqedwa maduze.
Njengoba ubona, ukucela ukuphakanyiswa kwe-mortgage ngenxa yokuphelelwa yisikhathi akunzima ukukwenza, kodwa kufanele uhambisane nalezo zidingo kanye nezinqubo zokukufeza. Ingabe unokungabaza? Sibuze!