Sihambe njani bona zinto azikho
Abalawuli irhafu kunye izaziso of assessment ukususela Ingeniso-Arhente: ngubani kuyakhusela indlu kwi-ipropati unako uphephe foreclosureUfumene ezininzi amakhadi kwaye intlawulo ngoku ityala lakho ne-ofisi ukuqokelelwa kwengeniso sele liwudlule amabini euros. Imixholo ngoko kuphengululwa ngokusesikweni foreclosure real estate.
Thankfully, kwiminyaka embalwa edlulileyo, ngokucetyiswa elungileyo notary, wena wangena ipropati kwingxowa-mali, kwaye, ngaphakathi, ungenise indlu.
Ngoku ufuna ukuva ukuba kufuneka ikhuselwe ngalo isigunyaziso kwaye hayi imiba uninzi intlawulo esilumkisayo okanye mortgages. Kwimeko irhafu iimfanelo, ingxowa-mali yi-asethi umyalelo wokhuselo.
Ngelishwa, mna kufuneka kukunika engalunganga iindaba: nangona kukho le inani imida kwindawo seizure ka-real estate ungeniswa ngo, ngokubhekiselele ukuhlawula irhafu uqokelelo iarhente, phakathi ezi ayikho ekhankanywe lemveli kwingxowa-mali.
Nangona kunjalo, nje jurisprudence uba ukuba ezantsi ikhasi ngu yahlasela xa kuthe umbuzo ka-amatyala a yezemali phezu kwendawo indalo. Nangona kunjalo, kukho amanye amaxwebhu ka-protection apho unako cling yakho hopes. Okokuqala, ukuze ukwazi"umsebenzi", ezantsi ikhasi kufuneka ezibe zenziwe phambi kokuzalwa kuka ityala, ingxowa-mali eyenziwe emva kokuba, nangona yokuqala ka-arrearage, asiyiyo opposable kwi-creditor. Umntu akakwazi kuhlawula i-personal Werhafu yengeniso ka.
Embalwa kwiinyanga ezintandathu kamva realizes-mali impahla yexabiso, nguye nge yokuba kufuneka ingabi kanti wafumana na isaziso assessment okanye abalawuli ukuba irhafu kwenkunkuma.
Enyanisweni, ingxowa-mali ayikho kuluncedo, ukususela ityala sele wakha.
Ngendlela efanayo, qinisekisa ukuba umntu ukuba isivumelwano semali-mboleko kunye bank kwaye ukuba uhlawula yesiqhelo umyinge.
Ngeli juncture ingene a lemveli kwingxowa-mali. Kwiminyaka emibini emva kokuba ngu abalawuli kwaye misa lo intlawulo. Kanjalo apha ezantsi ikhasi ayikho umyalelo wokhuselo-visa, apho lisekwe emva kokuzalwa kuka ityala, nkqu ukuba xa kwaba? elungileyo emi kunye neentlawulo. Ingxowa-mali ibisoloko owamiselwa phambi kokuzalwa kuka ityala, nangona kunjalo, shaky.
Sisenza imizekelo emibini ngcono ukuqonda lo mba
Kuya kuba zokugqibela kuphela emva kweminyaka emihlanu. Ngaphambi kwelo xesha, eneneni, creditor unako siyifumene wavakalisa ayisebenzi - kunye ebizwa-intshukumo bucala - ukuba banako bonisa ukuba debtor, kanye owamiselwa, ingxowa-mali, waba stripped bonke yayo impahla yexabiso kwaye washiya creditors ngaphandle na isigunyaziso. Umzekelo, umntu owns enye indlu, ibandakanywe-mali impahla yexabiso, kwaye ityala amabini euros zibe phantsi revocation. Usekela kamongameli kwelinye icala, umntu owns ezintathu izindlu, omnye esifakwe kwi-ezantsi, kwaye ityala ka- amabini euros alinakukhuselwa bumthetho umva. Kwi-essence, ingxowa-mali zibe phantsi kweminyaka emihlanu kwi intshukumo bucala ukuba creditor ungqina ukuba ukuba debtor lwenze isibheno ngenjongo truffarlo kwaye steal izinto netyala ukuba seizure. Ingxowa-mali ukhuseleko lwempahla yexabiso ukususela amatyala contracted kuba iimfuno usapho, nkqu ukuba arisen emva yalo mgaqo-siseko. Kuphela amatyala lwayo oluvela inkcitho voluttuarie (umz. ukuhamba, luxury iimoto, leisure, njalo-njalo) okanye ye-mali ngeenjongo musa ukuvumela kuba seizure ka-impahla kwingxowa-mali. Ngoko ke, umzekelo, ukuba umntu akakwazi kuhlawula condominium - kwimeko imirhumo okunxulumene ndlu, kwaye ke ukuba iimfuno usapho - - mali impahla yexabiso kusenokuba yahlasela efanayo usebenza amatyala ezithe kuba impahla, imoto, njl. njl, Abaninzi barhafi kuba waya kwingxowa-mali ungqinelwano nje ukufumana kude kwenzeke iimfanelo lwayo oluvela breaches ka-isivumelwano irhafu.
Ngoko ke, owathi umgaqo-mali ethe rhoqo ongahoywanga ngokufaneleyo ukuhlawula irhafu ezifana Werhafu yengeniso, i-Vat, njl.
njl, Nje ukuba ufake i-embankment, kwaye oku phenomenon ngu elusive, meko-mthetho lesiqu inkundla, sele watshata, kodwa yokutolika ngu engqongqo kakhulu: irhafu iimfanelo ingaba ziqwalaselwe izivumelwano kuba"ifuna amalungu osapho,"kwaye ngoko, nkqu ukuba isithuba emva ekudalweni kuka-mali, babe kanjalo vumela kuba seizure indlu. Isiphumo: indlu kunye ezantsi asethi ngu attachable yi-Arhente yomzantsi ukuqokelelwa kwengeniso naziphi na ezinye izinto uqokelelo iarhente nkqu ukuba ingxowa-mali inikwe owamiselwa kwi xesha ezikhokelela ukuya kwi-wesaziso ka-ulawulo okanye ngomhla wokuzalwa efanayo ityala. Oku kwenziwa kangangoko ukuba irhafu enxulumene ushishino (umzekelo i-Vat, Ires, Irpef (personal income tax) okanye ngqo (umzekelo Imu, Tasi, Tari, njalo-njalo). Bubonke lo msebenzi aimed ukuze ufumane inzuzo, kwaye le - akukho mathandabuzo - yi kuthetha ka-sustenance kosapho lwakhe. Nkqu Supreme inkundla iye deemed ngayo a legitimate sebenzisa kwi-mali impahla yexabiso kuba iimfanelo lwayo oluvela fines kuba violations ye-highway Ikhowudi, kwaye imirhumo ingaba imali eseleyo. Enye usebenza, kunjalo, kwaye zonke ngakumbi ngoko ke kuba mortgage: oku, enyanisweni, hayi ke i-mthetho yengeniso yerhafu yeenkonzo ka-uphumezo, kodwa kuphela i interim komlinganiselo, sibe kakuhle kuba ebhalisiweyo kwi kwipropati ngaphandle kokuba kwi-ezantsi ikhasi. Kutshanje, Supreme inkundla ithe ukuba nayo sequestrabile uphawu lwe alleged evader nokuba kunganjalo zenziwe kwi-mali asethi. Ukuba yinyaniso ukuba yengxowa-mali ukhuseleko lwempahla yexabiso ukusuka amatyala kwaye irhafu abalawuli irhafu xa kwenziwa phambi kokuzalwa le amatyala kwabo, oku kwenziwa yonke ngakumbi isizathu xa kuthe yenziwe emva. Enyanisweni, kule meko kanjalo kufuneka ulwaphulo-mthetho uthabatho fraudulent intlawulo irhafu"ukuba arrearage pertains ukuba personal Werhafu yengeniso okanye i-Vat, kwaye exceeds amawaka euro. Nangona kunjalo, ngenxa yokuba ihlala ukuba, kunye okanye ngaphandle ezantsi yemigca, ityala isitalato ulindeleke ukuba ukuthobela yonke eminye imida enxulumene seizure ka-real estate. Kwaye ke ngoko: molo Ndinezinto ezininzi i-amatyala owed omnye creditor ukuba ubani inkampani. ngoku hayi ekubeni imali kuyihlawula ngaphandle, ndithanda ukwazi ukuba usebenzela kuye kuba free, ndinako lihlawule ntoni mna tyala kuye. enkosi kakhulu Molo Lucio. Kwinkqubo yethu esemthethweni indlela umsebenzi kubalulekile assumed bamthwala phandle ngokuchasene intlawulo a yomvuzo, ngaphandle kokuba kunokwenzeka demonstrated ukuba kukho solidarity okanye volunteering. Kule imbono, ungenza umsebenzi for free ukuhlawula ityala lakho.
Nangona kunjalo, kukho ezinye iimeko apho, ukuba awuqinisekanga sele ngumqeshwa a inkampani kwaye anayithathela wadala a umonakalo, uyakwazi kuyihlawula ngaphandle ngokuvuma ukuba enxulumene iindleko ziya kuba deducted ukususela umvuzo.
'Umthetho kuba Bonke' a newspaper waseka yi-avv.
