Ungayithengi kanjani imoto ye-mortgage nokuthi yini okufanele uyenze uma uyithengile?

Namuhla, ungakwazi kalula ukuthenga imoto yesibambiso, okungukuthi, leyo ethathwe ngesikweletu futhi isikweletu kuyo asikakhokhwa. Abantu abaningi, belingwa yimalimboleko yemoto ethengekayo, bathenga izimoto, futhi ngemuva kwesikhashana kuvela ukuthi abakwazi ukukhokha isikweletu. Kulokhu, banalo lonke ilungelo lokuthengisa le moto, futhi umthengi ukhokha yonke imali ebolekiwe ebhange, futhi imali esele iya kumthengi.

Kodwa-ke, kukhona abakhwabanisi abaqoka ngokukhethekile ukubolekwa kwemoto, bese beyithengisa ngaphandle kokwazisa umthengi ukuthi imali ayikakakhokhwa ebhange ngayo. Cabangela lesi simo esivamile kuwebhusayithi yethu Vodi.su.

Uhlelo lokuthengisa

Ezinkundleni eziningi, ungathola izindaba ezimayelana nabashayeli abakhohlisayo abathenga izimoto ezandleni zabo, futhi ngemva kwesikhashana bathola isaziso sesikweletu esingakhokhiwe, ukumangalelwa kanye nezimfuno zokubambezeleka kanye nazo zonke izinhlawulo nezinhlawulo.

Yini engingayeluleka?

Ake sithi isimo asilula. Cishe usube yisisulu sabakhwabanisi.

Basebenza ngendlela elula:

• khipha isikweletu semoto;
• ngemva kwesikhathi esithile, bafaka isicelo emaphoyiseni omgwaqo ukuze bathole impinda ye-TCP (eyokuqala igcinwe ebhange), noma ngokunye ukuxhumana kwabo bathatha i-TCP okwesikhashana ebhange, futhi-ke, abayibuyiseli. ;
• ukubeka imoto ukudayisa.

Ake sithi namuhla akukho database eyodwa yezimoto ezithenjisiwe, ngakho-ke ngisho nokuhlola ngekhodi ye-VIN kuwebhusayithi esemthethweni yamaphoyisa omgwaqo ngeke kumsize umthengi okhohlisayo.

Bese kubhalwa inkontileka yokuthengisa ngokuhambisana nayo yonke imithetho, mhlawumbe namanye ama-notary mbumbulu noma ajwayelekile. Yebo, njengemibhalo yomthengisi, ipasipoti mbumbulu ingasetshenziswa kalula, engahlukaniswa kuphela neyangempela ngochwepheshe.

Kukhona nezindaba zokudayiswa kwezimoto mbumbulu ezivuleleka ukuze zidayise izimoto ezibolekwayo futhi zivale ngokushesha lapho ikhasimende elijabule, elingaqaphile lihamba ngemoto entsha sha. Kungacatshangwa ukuthi wonke amaqembu ahlelekile asebenza ngale ndlela, enabantu bawo emabhange, futhi mhlawumbe emaphoyiseni.

Ungalithola kanjani iqiniso?

Ibhange alinandaba nokuthi imoto ekabani njengamanje. Ngokwesivumelwano, uma umeboleki (mortgagor) ephula izimfuneko zesivumelwano, isibambiso (umbolekisi) unalo lonke ilungelo lokufuna ukubuyiselwa ngaphambi kwesikhathi kwalo lonke inani. Uma imali ingafakwanga ku-akhawunti, ibhange lizolanda imoto ngokwayo.

Yini okufanele ngiyenze?

Okuwukuphela kwendlela yokuphuma ukuya enkantolo. I-Article 460 ye-Civil Code izoba ngasohlangothini lwakho. Ngokusho kwayo, umthengisi unesibopho sokudlulisela kumthengi kuphela izimpahla ezingavunyelwe kumalungelo abantu besithathu (okungukuthi, isibambiso), ngaphandle uma umthengi evumelana nemibandela yokutholwa kwesibambiso. Ngokusebenzisa lesi sihloko, unganqamula inkontileka yokuthengisa futhi ubuyisele izindleko zemoto kuwe ngokugcwele.

Ngokunjalo, uzodinga ukwethula wonke amadokhumenti aqinisekisa kokubili iqiniso lokuthenga kwakho le moto kanye nokudluliselwa kwemali kwabanye abantu.

Kodwa-ke, kuphakama inkinga - uma ungenayo inhlanhla yokubhekana nabakwa-scammers abaqeqeshwe kahle, kuyoba nzima kakhulu ukubathola. Ngakho-ke, kuzodingeka uthinte amaphoyisa. Futhi lapha konke kuzoxhomeka ezenzweni zamaphoyisa: uma bethola abakwa-scammers, bazokwazi ukukhipha imali yabo, kodwa uma kungenjalo, akusona isiphetho, futhi isifundo esihle sekusasa.

Ungaphinde uye ebhange uchaze umnyombo wenkinga yakhona, mhlawumbe bazohlangana nawe uhhafu bese behlehlisa ukushaqwa okwesikhashana. Kodwa lokhu kuzoba yisinyathelo sesikhashana kuphela.

Indlela yokugwema isimo esinjalo?

Sesikutshelile okuningi kuwebhusayithi yethu iVodi.su ukuthi ungalungiselela kanjani ukuthenga imoto esetshenzisiwe. Kodwa-ke, kulesi simo, isimo siyinkimbinkimbi yiqiniso lokuthi asikho isisekelo sezimoto ezibolekwayo emaphoyiseni omgwaqo, futhi amabhange ngeke adalule ulwazi olunjalo.

Ngakho-ke, lapho uthenga, kufanele uxwayiswe ukuthi ukunikezwa imoto cishe entsha i-TCP ephindwe kabili. Ungaya emaphoyiseni omgwaqo bese ucela ikhophi ye-TCP eyinhloko lapho - ngesikhathi sokubhalisa, ifayela lenziwa ngemoto ngayinye, lapho amakhophi awo wonke amadokhumenti agcinwa khona.

Futhi, lapho wenza isivumelwano sokudayisa, dinga ukuthi kuboniswe ukuthi imoto ayibanjiswanga futhi ayintshontshwa.

Hlola ngokucophelela imininingwane yepasipoti yomthengisi. Uma kukhona okukukhathazayo, vele wenqabe ukuthengiselana.

Iyalayisha...