I-Land Trust

Ukuqala kwebhizinisi nezinsizakalo zokuvikela impahla.

Thola Ukuhlanganiswa

I-Land Trust

Kuyini Land Trust?

Ukwethenjwa komhlaba yidokhumenti esakha evumela ukuthi wena ubambe impahla ngasese ukuze igama lakho lingaveli kusihloko kumarekhodi omphakathi.

Ake sithi ungena ezimotweni zemoto. Unomshuwalense ongu- $ 1 mil. Kepha ushaya i-stock broker futhi uboshelwa u- $ 3 million. Uma ungumnikazi wendlu yakho nezakhiwo zokutshala imali egameni lakho, ummeli okumangalela uzothola indlu yakho nanoma yiziphi ezinye izakhiwo kumarekhodi omphakathi. Uma ungumnikazi wendlu, kukhombisa ukuzinza kwezezimali futhi ummeli uzokwazi kakhulu ukufaka icala.

Ummeli ophikisayo angavele ashushuluze uSheriff phambi kwendlu yakho, agqume emnyango wakho ngenkathi udla isidlo sakusihlwa futhi akunikeze icala lakho phambi kwabo bonke omakhelwane bakho. Kodwa-ke, lapho unendlu yakho ethembeni lomhlaba, ubunikazi bakho bufihliwe. Ukuthembela kwakho emhlabeni akudingeki kufakwe kumarekhodi omphakathi. Kugcina ubunikazi bakho buyimfihlo. Akekho umuntu okufanele azi ukuthi ungumnikazi wendlu yakho kepha wena.

Kuyini Ukwethenjwa Komhlaba?

I-trust yomhlaba inezinto ezine: Inombolo 1 yindawo yokuhlala. Lokho nguwe ngoba nguwe onomuntu odala ukwethenjwa. UNombolo 2 umphatheli. Isikhwama silinganisela ukuphathwa kweTrasti ngaphansi kwemigomo yetrasti. Lokhu kungaba udade noma umlamu, umngani othenjiwe noma ilungu lomndeni. Ukuze uthuthukise ubumfihlo bakho, kungcono ukhethe umuntu ngaphandle kwesibongo sakho. Onke ama-trust adinga umphatheli kepha ngalolu hlobo lokuthembela, i-trust isho ububanzi bayo bokulawula. Inombolo 3 ngumzuzi. Lowo nguyena othola yonke imihlomulo yokwethenjwa. Nguwe lowo (noma umuntu oyedwa noma ngaphezulu noma izinkampani ozikhethile).

Ozuzayo angaba nakho konke ukulawula. Ozuzayo angaqondisa lapho impahla ithengwa futhi ithengiswa. Ngaphezu kwalokho, ozuzayo ngulowo ongahlaziya kabusha impahla noma aqoqe imali yokuqasha kusuka empahleni yokutshala. Okokugcina, inombolo 4 yiyona nhlangano ethembekile. I-corpus yinhlokodolobha noma uthishanhloko (izinto zenani) ngaphakathi kwokwethenjwa.

Izinzuzo Zokwethenjwa Umhlaba

Into enhle ukuthi zonke izinzuzo zentela eziphezulu zihlala zisasebenza. Ngokuthembela okuhlelwe kahle, lapho uthengisa indlu yakho izinzuzo zentela zihlala zinjalo. Uma ngabe uhlala ekhaya iminyaka emibili kuya kwengu-5 edlule akudingeki ukuthi ukhokhe izintela ngenzuzo uma uthengisa ngemali efinyelela ku- $ 250,000 yenzuzo yomuntu oyedwa noma i-$ 500,000 yombhangqwana oshadile, lapho uhlelwe kahle.

Okuzuzile ubumfihlo bokuba ngumnikazi.

Uyothini Umlingani?

Umthetho i-Garn - St Germain Depository Institutions Act ka-1982 uvumela umuntu ukuthi abeke impahla yakhe kuhlobo lomhlaba esiwubhekise kuye ngaphandle kokubangela isigatshana esidayiswayo. Lokho kusho ukuthi umuntu angadlulisela impahla ebolekiswe ngempahla kumhlaba othembekile ngaphandle kokuphazamiseka okuvela ebhange. Lokhu kunjalo inqobo nje uma umboleki ehlala engumzuzi, impahla inezindawo zokuhlala ezingaphansi kwezinhlanu, i-trust iyasuswa futhi ayidluliseli amalungelo okuhlala kwabanye.

Garn-St Germain Depository
Umthetho Wezikhungo we1982

ISIHLOKO 12> ISAHLUKO 13 § 1701j – 3

§ 1701j – 3. Ukuvinjelwa kokuvinjelwa okuthengiswayo

(d) Ukukhululwa kokudluliswa noma okulungiselelwe okuchaziwe

Mayelana nemalimboleko yempahla yangempela evikelwe ngumuntu olele endaweni yokuhlala yangempela equkethe izindlu zokuhlala ezingaphansi kweziyisihlanu, kufaka phakathi i-lien esitokisini esabelwe indawo yokuhlala enhlanganweni yezindlu zokubambisana, noma ekhaya elenziwe, umbolekisi akakwazi sebenzisa inketho yayo ngokuya kwesigatshana esithengiswayo ngenxa—

(8) ukudluliselwa kwi-inter vivos trust lapho umboleki ekhona futhi ehlala engumzuzi futhi engahlobene nokudluliswa kwamalungelo okuhlala kulowo muzi; …

(i-inter vivos trust = Ukuthenjwa okwenziwe ngesikhathi sokuphila kwensiza. Isixazululo yiso esinokwethenjwa okwenziwe. Uhlobo lokuthembela kweLizwe okubhekiswa kulo njenge-inter vivos trust.)

Ngingakusebenzisa kuphi ukwethenjwa komhlaba?

Abantu basebenzisa amatrust omhlaba kuzo zonke izifundazwe ezingama-50. Ezinye izimiso zombuso azenzi ireferensi ethile kumhlaba othembekile kepha abantu bazisebenzisa kuzo zonke izifundazwe. Abanye abantu benza iphutha lokuthi, “Amatrasti omhlaba awakhulunywa emithethweni yombuso wami, ngakho-ke awekho emthethweni.” Iphi imithetho ethi umuntu angagqoka izicathulo ezibomvu? Hlala kusofa? Phuza ngotshani obugobile? Akuyona yonke into esiyenzayo ehlanganisa izincwadi zomthetho. Umthetho ovamile, ngokungafani ne umthetho wezomthetho, yindlela umthetho nezinye izinto ezijwayelekile eziye zahunyushwa futhi zamukelwa ngayo ngokuhamba kweminyaka. Ama-trust ayingxenye yomthetho ojwayelekile owamukelwe ngokuvamile emakhulwini amaningi eminyaka ngaphandle kokuthi kunemithetho esemthethweni emelana nawo. Ayikho imithetho, njengalokhu kubhalwa, kunoma iyiphi i-50 US ithi isebenza ngokungahambisani nokusetshenziswa komhlaba.

Izindaba Zokubekwa Kwempahla Nezakhiwo

Elinye lamakhasimende ethu lalinomakhelwane abahamba phambili egcekeni langaphambili lenye yezindlu zabo. Waphuka iqakala, wahlaselwa yigazi washona. Bamangalelwe ngayo yonke into ababenayo kunendlela umshwalense wabo ongayikhokha. Ukube bebenze into eyodwa ukuba ngabanikazi besakhiwo endaweni ethembekile yomhlaba okungenzeka ukuthi ibingenzeki. Akukona ukuthi ukwethenjwa kususa isikweletu. Ukuthi, ngendlela esakha ngayo ukwethenjwa kwakho komhlaba, akekho umuntu odinga ukwazi ukuthi unentshisekelo ekuphathweni kwempahla ngaphandle kwakho. Ngakho-ke, kuyindida ukuthi ummeli uzomangalela bani. Kuzodingeka bachithe imali eningi ukuthola nokuthi ngabe kufanele yini ukukumangalela.

Omunye wabahlanganyeli ehhovisi lethu wathenga impahla yakhe yokuqala engenayo esifundazweni saseWashington. Kwakuyindlu eqhubekayo ye-6- unit efulethini. Waqasha usonkontileka ukuze ayilungise. Kepha i-con-trektha ibe ngumculi we-con. Wathola empini engokomthetho eyadonsa iminyaka ye-4 futhi wamlahlekisela nge- $ 157,000. Ukube wenza into eyodwa kuphela engeyakhe impahla ethembekile emhlabeni, esikhundleni segama lakhe. lokho mhlawumbe bekungeke kwenzeke. Kepha esikhundleni salokho, abaphikisi babona ukuthi unomuzi nendawo yokuhlala, ngakho banquma ukumangalela.

Ngakho-ke, ukwethenjwa kwakho komhlaba ongumnikazi wendawo yakho kungakunika ubumfihlo bokukuvikela ekulahlekelweni yikhaya lakho, imoto yakho, i-akhawunti yakho yasebhange nokuba ne-25% yemali yakho engenayo yesikhathi esizayo ihlotshiselwe iminyaka engama-20 ezayo. Futhi, kukodwa, akuyona into yokuvikela impahla. Inhloso ukuvikela indawo yakho yangempela ekuhloleni amehlo. Esikhundleni sokubamba isihloko sempahla yakho ngegama lakho ukuze babonwe yibo bonke, kunikeza umgoqo phakathi kwakho nalabo abangenayo intshisekelo yakho engqondweni. Ngakho-ke, kunganciphisa ithuba lokuthi kufakwe icala ngawe.

Yini Okufanele Ngiyenze?

Shayela Izinkampani Ezihlanganisiwe ukukhuluma nommeleli. Ngemuva koku-oda, sizokuthumelela i-imeyili yakho yemibuzo yokwethenjwa komhlaba. Uzogcwalisa uhlu lwemibuzo bese ulubuyisa ngefeksi. Imibhalo yakho izolungiswa. Kuzokwakhiwa itayitela lokwethembana, elicishe libe ngamakhasi ayi-12. Ukugcina lokhu kwikhabethe lakho lefayela ekhaya noma ebhokisini lediphozi eliphephile. Kuzolungiswa netayitela lesibonelelo, elidlulisa impahla yakho lisuke egameni lakho liye ethembeni lakho. Lo mbhalo urekhodwe ehhovisi lerekhodi lesifunda esifundeni lapho kutholakala khona impahla. Ukunikezwa kwedokhumenti yenzuzo enenzuzo, edlulisela inzalo enenzuzo yempahla yakho enkampanini, kumuntu noma kwi-trust trust nayo izofakwa uma ukhetha le nketho yamahhala.