Zolemba malire kuchuluka kwa kubweza

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Mtundu wapadera wa chitetezo chokwanira Zolemba malire kuchuluka kwa kubweza
Mu chitetezo hypothecary pali lingaliro lapamwamba mtengo ndalama. Chiwerengero cha ndalamazo sizinayambe. Mosiyana, komabe, chiwerengero chazomwe chimakhala chokhazikika. Chiwerengero chachikuluchi chimamanga ndi kumanga. Kulowa mu bukhu la kumapeto kumapangidwa. Kumbali imodzi ndilo buku loperekera ngongole ndipo enawo ndi laibulale yobwereka. Limalongosola zonse zomwe zingapezeke kuchokera ku maubwenzi omwe alipo. Munthu amatha kumvetsetsa malamulo omwe alipo omwe alipo pa pepala lalikulu la ndalama. Zina zopezeka sizingatetezedwe mosiyana. Pankhani ya kugula kwa nthaka, chiwerengero chokwanira cha malipirowo chikhazikitsidwa ndipo potsiriza chimakhazikitsidwa kosatha. Kulembera kolembera kwa nthaka kumachitika chifukwa chaichi. Kotero ndalama zomwe chiwembu chiyenera kukhazikika zimakhazikika.

Chiwerengero chokwanira cha ndalama zogulitsa ndi zosiyana

Zoonadi, izi zikhoza kulunjikidwa kwa osiyana ngongole. ndi cession Zowonjezera zomwe zingapezeke ndizotheka. Izi zikufotokozera malamulo amtundu § 1154 BGB komanso mwamwayi malinga ndi § 398 BGB. Komabe, pakadali pano, kusamalidwa kwa ngongole sikutheka malinga ndi § 1190 Abs 4 S. 2 BGB. Kawirikawiri, ngongoleyi imatumizira kupeza akaunti yeniyeniyo. Mwini mwiniwake wa malowo ali ndi ufulu wopereka ngongoleyi. Mmodzi amalankhula motero za mwini hypothecary. Malamulowa amagwiritsidwa ntchito pazogulitsa ndalama. Masiku ano ngongoleyi imalowetsedwa m'malo ndi ngongole.

Thandizo lalamulo ndiloyenera

Ngati wina asankha kugula katundu ndipo akufuna kuthetsa nkhani zachuma mwachidwi, thandizo lalamulo ndilolangizidwa kwambiri. Choncho, malire angathe kukhazikitsidwa ndipo ndalama ndizotheka. Pali malamulo osiyanasiyana ndipo bungwe lililonse la ngongole limakhala ndi zolakwika. Zoonadi mkhalidwe waumwini ndi wofunikira kwambiri. Kodi ndichuma chotani chomwe chikufunika komanso momwe zimakhalira. Kodi pali zothandizira zina kapena pali zipangizo zosiyanasiyana zachuma. Pogwiritsa ntchito ndalama zambiri, mwayi watsopano umatsegula mwayi watsopano komanso zoopsa. Malipiro oyenera ayenera kuganiziridwa ndipo udindo ulibe wosayenerera. M'kalata yamtunda chigwirizanochi chikuvomerezedwa, chomwe chikuimira kuchuluka kwa ndalama. Zonse zothandizira zimaphatikizidwa ndi ndalamazo ndipo motero zimakumbidwa. Chidwi ndi chidwi chiwerengero chingaphatikizidwe. Mlandu wa udindo wochepa ndi wofunika ulipo. Wokongoza ngongoleyo komanso wogula ndalamazo akhoza kuzindikira mgwirizanowo. Mosiyana ndi izo, zikhoza kufika patsiku la khoti. Chisankho chomaliza chapangidwa ndipo potsiriza chimapezeka.

Kugwiritsira ntchito ndalama zochulukitsira ndalama

Kaŵirikaŵiri zimadza kufika pamtunda wokwanira, pokhapokha ngongole zimakhala zotetezedwa ku banki. Izi zimakhala ndi zotsatira zabwino pazofunika. Komabe, ndibwino kuti mudzifunse za momwe zinthu zilili payekha komanso pofufuza bwinobwino nkhaniyi. Malo osungirako malo sakunena zolembera zingapo, koma ndalama zokhazokha. Pali chomwe chimatchedwa ngongole ya mwiniwake. Izi zidzakhalabe zofanana mpaka chitetezo chotsutsa chichitike. Ngongole iyenera kuthetsedwa mpaka ngongoleyo ikhoza kudzinenera. Izi zimatheka nthawi iliyonse pansi pa zifukwa zina komanso pambuyo pa chilolezo choyenera, ndipo ndi zothandiza komanso zothandiza pazochitika zina. Komabe, njirayi iyenera kuganiziridwa mosamalitsa komanso momwe ziwonetsero zimagwirira ntchito.

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