Ithemba lomhlaba

Ukuqala kweshishini kunye neenkonzo zokukhusela iiasethi zobuqu.

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Ithemba lomhlaba

Yintoni iTrasti yoMhlaba?

Ithemba lomhlaba luxwebhu esilwenzayo ekuvumela ukuba ubambe impahla ngasese ukuze igama lakho lingabonakali kwesihloko kwiirekhodi zikarhulumente.

Masithi ungena engozini yemoto. Uno- $ 1 mil weinshurensi. Kodwa ubetha umrhwebi wesitokhwe kwaye umangalelwa nge- $ 3 yezigidi. Ukuba ungumnikazi wendlu yakho kunye nepropathi zotyalo-mali ngegama lakho, igqwetha liya kukumangalela ngokulula endlwini yakho. Ukuba ungumnikazi wekhaya, libonisa uzinzo oluthile kwezemali kwaye igqwetha liya kuba nako kakhulu ukubeka ifayile yomthetho.

Igqwetha elichasayo linokuthi kwangoko lithumele isherifu phambi kwendlu yakho, emva kokuba usitya isidlo sangokuhlwa kwaye ikunikeze ityala lakho phambi kwabo bonke abamelwane bakho. Nangona kunjalo, xa indlu yakho ithembekile emhlabeni, ubunini bakho bufihliwe. Ukuthenjwa komhlaba awunyanzelekanga ukuba kufakwe kwiirekhodi zoluntu. Kugcina ubunini bakho babucala. Akukho mntu kufuneka azi eyakho indlu kodwa nguwe.

Yintoni iTrasti yoMhlaba?

Ithemba lomhlaba linezinto ezine: Inani le-1 yindawo yokuhlala. Oko kungenxa yokuba nguwe onomntu odala ukuthembana. Inombolo 2 yitrasti. Itrasti ilawula ulawulo lweTrasti phantsi kwemiqathango yeTrasti. Oku kunokuba ngudade okanye umyeni-ongumyeni, umhlobo othembekileyo okanye ilungu losapho. Ukuphucula ubumfihlo bakho, kungcono ukhethe umntu ngaphandle kwegama lakho lokugqibela. Zonke iitrasti zifuna itrasti kodwa ngalolu hlobo lokuthemba, ukuthembakala kulawula uluhlu lwazo lolawulo. Inani 3 ngumxhamli. Lowo ngulowo ufumana zonke izibonelelo zokuthenjwa. Nguwe lowo (okanye umntu okanye abantu okanye iinkampani ozikhethayo).

Umzuzi unokufumana lonke ulawulo. Umzuzi unokuyalela xa kuthengwa impahla kunye nentengiso. Ukongeza, umzuzi ngulowo unokuphinda ahlaziye ipropathi okanye aqokelele imali yokurenta kwiipropathi zotyalo-mali. Okokugqibela, inombolo ye-4 yi-Corpus ye trust. I-Corpus yimali eyintloko okanye inqununu (izinto zexabiso) ngaphakathi kwetrasti.

Izibonelelo zeTrasti yoMhlaba

Into emnandi kukuba zonke izibonelelo zerhafu eziphezulu zihlala zihleli kubuqili. Ngethemba elakhiwe kakuhle, xa uthengisa indlu yakho izibonelelo zerhafu zihlala. Ukuba uhlala ekhayeni iminyaka emibini kule minyaka ingama-5 yokugqibela akufuneki uhlawule irhafu kwiingeniso xa uthengisa malunga ne-250,000 yenzuzo yomntu ongatshatanga okanye i- $ 500,000 kwisibini esitshatileyo, xa sakhiwe ngokufanelekileyo.

Yintoni oyifumene kubumfihlo babunini.

Uza kuthini uMlingane?

Umthetho we-Garn - St Germain Depository Institutions Act of 1982 ngokukhethekileyo uvumela umntu ukuba abeke impahla yakhe kuhlobo lokutheniswa komhlaba ekubhekiswa kulo ngaphandle kokubangela igatya lokuthengisa. Oko kuthetha ukuba umntu unokudlulisela impahla yakhe kubambiso athembele emhlabeni engaphazanyiswa yibhanki. Oku kunjalo lo gama nje umntu obolekayo eqhubeka nokuba ngumzuzi, ipropathi inezindlu ezingaphantsi kwesihlanu, itrasti iyarhoxiswa kwaye ayizukudlulisela amalungelo okuhlala kwabanye.

Garn-St Ukuhlalisa iJamani
Umthetho weziko le1982

ISIHLOKO 12> ISAHLUKO 13 § 1701j-3

I-1701j-3. Ukuxolelwa kwezithintelo kuthengiso kuthengiso

(d) Ukuxolelwa kugqithiso oluchaziweyo okanye
amalungiselelo

Ngokuphathelele kwimali mboleko yepropathi
ikhuselwe ngumntu onetyala kwiipropathi zokuhlala ezizezona zingaphantsi kwesihlanu
indawo yokuhlala, kubandakanywa nembambano kwisitokhwe esabelwe indawo yokuhlala a
indibaniselwano yokwakhiwa kwezindlu, okanye kwikhaya elenziweyo, a
Umbolekisi akanakusebenzisa ukhetho lwakhe ngokulandela igatya elifanelekileyo lokuthengisa-

(8) ukutshintshela kwi-inter vivos trust kuyo
lowo ubolekayo kwaye uhlala enguMzuzi kwaye engahambelani no
ukuhambisa amalungelo okuhlala kwipropathi; okanye

(i-inter vivos trust = Intembeko eyenziweyo ngexesha lokuhlala kwethafa. I-makazi yinto ethembakeleyo eyakhiweyo. Uhlobo lwentembeko yomhlaba ekubhekiswa kuyo njengeli-viv vivos trust.)

Ndingayisebenzisa phi iTrasti yoMhlaba?

Abantu basebenzisa ukuthembela komhlaba kuyo yonke i-50. Eminye imimiselo yaseburhulumenteni ayibhekiseli ngokuthe ngqo kumhlaba wokuthenjwa kodwa abantu bayisebenzisa kuwo onke amazwe. Abanye abantu bayayenza impazamo besithi, "I-trust trust yomhlaba ayikhankanywanga kwimithetho yelizwe lam, ke aykho semthethweni. Ngoku, iphi imithetho ethi umntu anganxiba izihlangu ezibomvu? Ngaba ungqengqa kwisofa? Sela isiza esine-curly? Ayisiyiyo yonke into esiyenzayo ekrwada kwiincwadi zomthetho. Umthetho oxhaphakile, ngokuchasene ne mthethweni, yindlela umthetho kunye nezinye izinto eziqhelekileyo ezitolikwe kwaye zamkelwe ngokubanzi kwiminyaka. Iitrasti ziyinxalenye yomthetho oqhelekileyo owamkelweyo ngokubanzi kwiinkulungwane ezadlulayo ngaphandle kokuba kukho imithetho emiselweyo. Akukho mithetho, njengalo mbhalo, nakweyiphi na i-50 yase-US eqhuba ngokuchaseneyo nokusetyenziswa kweetrasti zomhlaba.

Amabali omthetho wokuthengiswa kwezindlu nomhlaba

Omnye wabathengi bethu wayenomakhelwane owayehamba ngaphambili kwiyadi yenye yezindlu zabo. Wophuka iqatha, wahlaselwa ligazi waza wasweleka. Babetyholwa ngento yonke ababenayo ngaphezulu kwayo kunoko inokuhlawulwa yi-inshurensi. Ukuba babenze into enye kwipropati ethembakeleyo emhlabeni ngekhe yenzeke. Ayisiyiyo into yokuba ukuthembela kuphelise uxanduva. Kukuba, indlela esakha ngayo ukuthembela komhlaba wakho, akukho mntu kufuneka azi ukuba unomdla kwilungelo lokugcina-ipropathi kodwa nguwe. Ke, iyimfihlakalo ukubagwetywa ngubani na igqwetha. Kuya kufuneka bachitha imali eninzi ukuze bafumanise ukuba kufanelekile ukukutyala.

Omnye wabanxibelelanisi kwiofisi yethu wathenga ipropathi yakhe yengeniso yokuqala kwisakhiwo saseWashington. Yayiyindawo ebalekayo ye6- eyindlu eyindlu. Waqesha ikhontraktha ukuba ayilungise. Kodwa i-tre-trektha yaguqukayo yaba ngumculi we-con. Wangena kumlo wezomthetho owathatha iminyaka ye-4 kwaye wamlahlekisela nge- $ 157,000. Ukuba enze into enye eyipropathi yakhe kwipropati yomhlaba, endaweni yegama lakhe. ukuba ngekhe kwenzeke. Kodwa endaweni yoko, abaphikisi babona ukuba unekhaya kunye nepropathi yokutyala, ngoko bagqiba kwelokuba babeke ityala.

Ke, ukuthembela komhlaba ongumnini wepropathi yakho kungakunika ubumfihlo bokukukhusela ekuphulukaneni nekhaya lakho, imoto yakho, i-akhawunti yakho yebhanki kunye nokuba ne-25% yengeniso yakho yexesha elizayo ehlohliselwe iminyaka elandelayo ye-20. Kwakhona, yona, iyodwa, ayisisixhobo sokhuseleko. Injongo kukukhusela i-real estate yakho kwimbonakalo yamehlo. Endaweni yokuba ubambe itayitileyitrali yendawo yakho ngegama lakho ukuze wonke umntu ayibone, ibonelela ngomqobo phakathi kwakho kunye nabangenawo umdla wakho wengqondo. Ke, kungalinciphisa ithuba lokuba kufakwe isimangalo ngakuwe.

Ndenze ntoni?

Fowunela iiNkampani ezihlanganisiweyo ukuze uthethe nommeli. Emva koku-odola, siya kuthumela i-imeyile kumbuzo wakho wentengiso yomhlaba. Uya kugcwalisa iphepha lemibuzo kwaye ulibuyisele ngefeksi. Amaxwebhu akho aya kulungiswa. Isivumelwano sentembeko, esimalunga namaphepha e-12, siya kuyilwa. Ugcina oku kwikhabhathi yakho yefayile ekhaya okanye kwibhokisi ekhuselekileyo yokugcina. Iphetshana lesibonelelo, lokudlulisela ipropathi yakho igama lakho liye kuthembela kuya kulungiswa. Olu xwebhu lurekhodwa kwi-ofisi yerekhodi ye-County kwibala apho ipropati ikho. Isabelo sexwebhu lenzala elinenzuzo, elitshabalalisa inzala eyinzuzo kwipropathi yakho kwinkampani, umntu okanye itrasti ephilayo iya kufakwa ukuba ukhetha le ndlela yasimahla.