Kudalirana Kwa Dziko

Kuyamba bizinesi ndi ntchito zoteteza chuma.

Phatikizani

Kudalirana Kwa Dziko

Kodi Land Trust ndi chiyani?

Kudalirika kwa malo ndi chikalata chomwe timapanga chomwe chimakulolani kuti mukhale ndi malo mwachinsinsi kuti dzina lanu lisapezekenso pamutu wa anthu.

Tinene kuti mwalowa mgalimoto. Muli ndi inshuwaransi ya $ 1 mil. Koma mumagulitsa broker stock & mumayimilira $ 3 miliyoni. Ngati muli ndi nyumba yanu komanso malo ogulitsa mu dzina lanu, loya akamakusumirani mumapeza nyumba yanu ndi zinthu zina zilizonse zolembedwa pagulu. Ngati muli ndi nyumba, ikuwonetsa kukhazikika kwachuma ndipo loya wawo amatha kukasuma milandu.

Woweruza wotsutsa atha kulamula kuti mseriyo aimire kutsogolo kwa nyumba yanu, kutseka pakhomo lanu pamene mukudya chakudya chamadzulo ndikupereka mlandu wanu pamaso pa onse oyandikana nawo. Komabe, mukakhala ndi nyumba munyumba yakukhulupirika, umwini wanu umabisika. Kudalirika kwa malo anu sikuyenera kuchita kusungidwa kalekale. Zimasunga umwini wanu mwachinsinsi. Palibe amene ayenera kudziwa kuti muli ndi nyumba yanu koma inu.

Kodi Land Trust ndi Chiyani?

Kudalirana kwamtunda kuli ndi magawo anayi: Nambala 1 ndiye malo okhala. Izi zili choncho chifukwa inu ndiye amene muli ndi wina amene amayamba kumukhulupirira. Nambala 2 ndi trastii. Kudalirana kumapangitsa kuti trustee ayang'anire pansi pa ulamuliro. Izi zitha kukhala mlongo kapena mpongozi, mnzake wodalirika kapena wachibale. Kuti muwongolere zachinsinsi chanu, ndibwino kuti musankhe munthu wopanda dzina lanu lomaliza. Zikhulupiriro zonse zimafuna trastii koma ndi mtundu uwu wa chidaliro, chidaliro chimawongolera kuwongolera kwawo kosiyanasiyana. Nambala 3 ndi omwe amapindula. Ndiye amene amalandila zabwino zonse zakukhulupirirani. Awa ndi inu (kapena m'modzi kapena anthu angapo kapena makampani omwe mumasankha).

Wopindulitsa akhoza kukhala ndi zonse zakulamulirazo. Wopindulitsa akhoza kuwongolera pomwe katundu wagulidwa ndikugulitsa. Kuphatikiza apo, wopindulitsayo ndi amene amatha kuyambiranso nyumbayo kapena kusonkhanitsa ndalama zobwerekera kuchokera kuzinthu zofunsidwa. Pomaliza, nambala 4 ndiye gulu la anthu olimba mtima. Corpus ndiye capital kapena capital (zinthu zamtengo wapatali) zomwe mungazikhulupirire.

Ubwino Wokhulupirira Dziko

Chachikulu ndichakuti mapindu onse amisonkho apamwamba amakhalabe osamala. Ndi chidaliro cholinganizidwa bwino, mukamagulitsa nyumba yanu misonkho imatsala. Ngati mwakhala m'nyumba zaka ziwiri zapitazi za 5 simuyenera kulipira misonkho mukamagulitsa mpaka $ 250,000 yopindulitsa kwa munthu wosakwatiwa kapena $ 500,000 kwa banja, mukapangidwa moyenera.

Zomwe mwakwaniritsa ndizazinsinsi zokhala nokha.

Kodi Wokondedwa Adzanena Chiyani?

Garn - St Germain Depository Institutions Act of 1982 makamaka imalola munthu kuti ayike katundu wake pamalo amtundu womwe timatanthauzira popanda kubwezera zomwe zikugulitsidwa. Izi zikutanthauza kuti munthu amatha kusamutsa katundu wobwezedwa kumalo mokhulupirira popanda kusokoneza banki. Izi ndizomwe zimachitika kuti wobwereketsa azikhalabe wolandira ndalama, nyumbayo imakhala ndi magawo ochepera asanu, kuyikiratu kumatha kubweza ndipo sikumapereka ufulu wokhala ena.

Garn-St Germain Depository
Institutions Act of 1982

TITLE 12> MUTU 13 § 1701j-3

§ 1701j-3. Kukhululukidwa kwa oletsedwa kugulitsa pamsika

(d) Kuchotsedwa kwa omwe asinthidwa kapena
kamba

Pazokhudza ngongole yanyumba
lotetezedwa ndi abodza pa nyumba yokhazikika yokhala ndi zosakwana zisanu
zogona, kuphatikiza wonama pa katundu woperekedwa mokhalamo. a
mabungwe ophatikizira nyumba, kapena panyumba yopangidwa, a
wobwereketsa sangagwiritse ntchito njira yake malinga ndi gawo lomwe lagulitsidwa pa-

(8) kusintha kosinthika ndi ma inter vivos kumadalira
zomwe wobwereketsa ndi kukhalabe wopindula zomwe sizikugwirizana ndi a
kusamutsa ufulu wokhala mu nyumba; kapena

(inter vivos trust = Kudalirika komwe kumachitika nthawi yonseyi kakhazikiko. Khomalo ndi lokhalo lomwe limapangitsa kuti chidaliro chikhalepo. Mtundu wa Land trust womwe ukutchulidwanso ndi mgwirizano wa viv vivos.)

Kodi ndingagwiritse ntchito bwanji chidaliro cha malo?

Anthu amagwiritsa ntchito zikhulupiriro pamtunda m'malo onse a 50. Malamulo ena aboma sanena mwachindunji pamalo okhulupirira malo koma anthu amawagwiritsa ntchito m'maiko onse. Anthu ena amalakwitsa kunena kuti, "Zokhulupirira malo sizinatchulidwe mu malamulo aboma langa, ndiye sizovomerezeka." Kodi malamulo oti munthu akhoza kuvala nsapato zofiira ndi ati? Kukhazikika pa sofa? Imwani kuchokera ku udzu wokhotakhota? Sikuti zonse zomwe timachita zimakhala zolembedwa m'mabuku amilandu. Lamulo lofala, osati lamulo lalamulo, ndi momwe lamulo ndi zochitika zina zofala zidatanthauziridwa ndikuvomerezedwa ndi zaka zambiri. Matrasti ndi gawo la malamulo wamba omwe amavomerezedwa nthawi zambiri pokhapokha ngati pali malamulo okhazikitsidwa motsutsana ndi iwo. Palibe malamulo, monga momwe amalembedwera, mu 50 US iliyonse yomwe imatsutsana ndi kugwiritsidwa ntchito kwa ma land land.

Nkhani Zapakhomo Zamalonda

Mmodzi mwa makasitomala athu anali ndi mnansi woyenda pafupi ndi nyumba ina. Iye anathyoka pachifuwa, adavala magazi ndipo adamwalira. Amamangidwira zonse zomwe anali nazo kuposa zomwe inshuwaransi yake ikanabisa. Akadakhala kuti adachita chinthu chimodzi kukhala ndi malo m'dikhulupirira kuti sizikadachitika. Sikuti kudalira kumachotsa zovuta zake. Ndiye kuti, momwe timapangira chidaliro cha malo anu, palibe amene akuyenera kudziwa kuti muli ndi chidwi ndi kokhala ndi katundu pokhapokha INU. Chifukwa chake, ndichinsinsi chokhudza kuti loya adzamumanga mlandu ndani. Amayenera kugwiritsa ntchito ndalama zambiri kuti adziwe ngati zili zoyenera kukuimbani mlandu.

Mmodzi mwa omwe amacheza nawo muofesi yathu adagula chuma chake choyamba ku boma la Washington. Unali nyumbayo yosanja ya 6- unit. Adalemba ntchito kontrakitala kuti aikonze. Koma con-trekitala adadzakhala wojambula. Adachita nkhondo yalamulo yomwe idatenga zaka za 4 ndikumutengera $ 157,000. Akadangopanga chinthu chimodzi chomwe ndi chake pa malo okhala mokhulupirika m'malo mwa dzina lake. zomwe mwina sizikanachitika. Koma m'malo mwake, otsutsawo adawona kuti anali ndi nyumba komanso malo ogulitsa, motero adaganiza zokasuma.

Chifukwa chake, kudalira kwanu kukhala ndi malo anu kungakupatseni chinsinsi kukutetezani kuti musataye nyumba yanu, galimoto yanu, akaunti yanu yaku banki ndikukhala ndi 25% ya ndalama zanu zam'tsogolo zomwe mwazikongoletsa zaka zotsatira za 20. Ndiponso, iyo, yokha, sichida chida chotetezera chuma. Cholinga chake ndi kuteteza malo anu ogulitsa ndi nyumba kuti asamayang'anire. M'malo molemba dzina lanu logulitsa dzina lanu kuti onse athe kuwona, limapereka chotchinga pakati pa inu ndi omwe alibe chidwi chanu. Chifukwa chake, izi zitha kuchepetsa mwayi woti mlanduwu utayimbidwa mlandu kwa inu.

Kodi Ndiyenera Kuchita Chiyani?

Imbani Makampani Ophatikizidwa Kuti mulankhule ndi woimira. Mukamaliza kuyitanitsa, tidzakutumizirani imfunso yanu yokhulupirira malo. Mukumaliza kufunsa mafunso ndikuibweza ndi fakisi. Zolemba zanu zidzakonzedwa. Ntchito zodalirika, zomwe ndi pafupifupi masamba a 12, zidzapangidwa. Mumasunga izi mu nduna yanu ya fayilo kunyumba kapena m'bokosi lotetezedwa. Chikalata chothandizira, kusamutsa katundu wanu kuchokera ku dzina lanu kupita nacho kukhulupiliranso kukonzedwa. Chikalatachi chinajambulidwa mu ofesi yojambulira boma ku katauni komwe kuli malowa. Gawo la chikondwerero chabwino, lomwe limasamutsa phindu pamalonda anu ku kampani, munthu kapena chidaliro chotsimikizika liphatikizidwanso ngati mungasankhe mwanjira iyi yaulere.