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.

Masithi ungena engozini yemoto. Unomshuwalense we- $ 1 mil. Kepha ushaya umthengisi wesitoko futhi umangalelwa u- $ 3 million. Uma ungumnikazi wendlu yakho nezindawo zakho zokutshala imali ngegama lakho siqu, ummeli obamangalela uzothola indlu yakho nezinye izakhiwo kumarekhodi omphakathi. Uma ungumnikazi wezindlu, kukhombisa ukuqina ngokwezimali kanti nommeli uzokwazi ukufaka ifayili.

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?

Ukwethenjwa komhlaba kunezakhi ezine: Inombolo 1 yisixazululo. Lokho nguwe ngoba nguwe onomuntu odala ukwethenjwa. Inombolo 2 iyitrasti. Ukuthenjwa kubeka umkhawulo ekuphathweni kweTrasti ngaphansi kwemibandela yokwethenjwa. Lokhu kungaba ngudadewethu noma umkhwe wakho, umngani othembekile noma ilunga lomndeni. Ukuthuthukisa ubumfihlo bakho, kungcono ukhethe umuntu ngaphandle kwegama lakho lokugcina. Wonke amathrasti adinga umphatheli kodwa ngalolu hlobo lokwethenjwa, owethembayo ulawula uhla lwawo lokulawula. Inombolo 3 ngumzuzi. Yiwo lowo othola zonke izinzuzo zokwethenjwa. Lokho nguwe (noma umuntu oyedwa noma abaningi 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 we-Garn - St Germain Depository Institutions Act we-1982 uvumela umuntu ukuthi abeke impahla yakhe ohlotsheni lokuthembela komhlaba esiqondise kulo ngaphandle kokubangela isigatshana esithengiswayo. Lokho kusho ukuthi umuntu angadlulisela impahla yakhe kubambiso ayiswe kumhlaba othile ngaphandle kokuphazanyiswa yibhange. Lokhu kunjalo uma nje obolekayo eqhubeka nokuthola umxhaso, impahla inezindawo zokuhlala ezingaphansi kwesihlanu, ukuthembeka kuyabuyiselwa futhi akulethi amalungelo okuhlala kwabanye.

Garn-St Germain Depository
Umthetho Wezikhungo we1982

I-TITLE 12> ISAHLUKO 13 § 1701j-3

§ 1701j-3. Ukukhawulelwa kokuvinjelwa okufanele kuthengiswe

(d) Ukuxolelwa kokudlulisiwe okucacisiwe noma
hlinzeka

Mayelana nemalimboleko yempahla yangempela
ivikelwe ngumqambimanga kumpahla yangempela yokuhlala equkethe okungaphansi kwesihlanu
amayunithi wokuhlala, kufaka phakathi i-lien esitokisini esabelwe indawo yokuhlala a
inhlangano yezindlu ngokubambisana, noma ekhaya elenzelwe indawo yokuhlala, a
obolekayo kungenzeka angasebenzisi inketho yakhe ngokulandela isigatshana esithengiswayo—

(8) ukudluliselwa ekuthembekeni kwe-inter vivos kuyo
okubolekayo futhi kuhlala kungumzuzi futhi okungahlobene ne
ukudluliswa kwamalungelo okuhlala kuleyo ndawo; noma

(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 ukuthembela komhlaba kuzo zonke izifundazwe ze-50. Eminye imithetho yezwe ayisho okubhekiswe ethembeni lomhlaba kepha abantu bayisebenzisa kuzo zonke izifundazwe. Abanye abantu benza iphutha lokuthi, "Izethembiso zomhlaba azishiwo emithethweni yesifundazwe sami, ngakho-ke azikho emthethweni." Manje, iphi imithetho ethi umuntu angagqoka izicathulo ezibomvu? Uncike kusofa? Phuza kusuka otshanini curly? Akusikho konke esikwenzayo okubhalwe ezincwadini 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 lamaklayenti ethu lalihamba nomakhelwane egcekeni langaphambili lenye yezindlu zabo. Waphuka i-ankle, wahluthuka igazi futhi wafa. Babemangalelwa yikho konke ababenakho ngaphezu kwalokho obekungenziwa ngumshuwalense. Ukube benzé into eyodwa bangabanikazi bendawo ethembeni lomhlaba okungenzeka ukuthi ngabe akwenzekanga. Akukhona ukuthi ukuthembeka kuqeda isikweletu. Ukuthi, indlela esakha ngayo ukuthembela komhlaba wakho, akekho umuntu odinga ukwazi ukuthi unentshisekelo ekuphatheni impahla kodwa wena kuphela. Ngakho-ke, kuyimfihlakalo ukuthi ummeli uzokweletwa ngubani. Kuzodingeka ukuthi basebenzise imali eningi ukuthola ukuthi ngabe ikufanele yini ukukuangalela.

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, ukuthembela komhlaba wakho ongumnikazi wepropathi yakho kungakunika ubumfihlo bokukuvikela ekulahlekelweni yikhaya lakho, imoto yakho, i-akhawunti yakho yasebhange futhi ne-25% yemali yakho engenayo yesikhathi esizayo yeminyaka elandelayo ye-20. Futhi, yona, iyodwa, akuyona into yokuvikela impahla. Inhloso ukuvikela i-estate yakho ingabanjwa emehlweni. Esikhundleni sokubamba isihloko sendawo yakho yangempela ngegama lakho ukuze bonke babone, kunikeza umgoqo phakathi kwakho nalabo abangenayo intshisekelo yakho enhle engqondweni. Ngakho-ke, kunganciphisa ithuba lokuthi icala lizobekwa kuwe.

Yini Okufanele Ngiyenze?

Shayela Izinkampani Ezihlanganisiwe ukukhuluma nomuntu ozimele. Ngemuva koku-oda, sizokuthumela nge-imeyili imininingwane yakho ethembekile emhlabeni. Uzogcwalisa uhlu lwemibuzo bese ulibuyisela ngefeksi. Amadokhumenti akho azolungiswa. Izenzo zokuthembela, ezingamakhasi we-12, zizokwakhiwa. Ugcina lokhu kwikhabethe lakho lefayela ekhaya noma ebhokisini lediphozi elivikelekile. Ithenda lesibonelelo, edlulisa impahla yakho kusuka egameni lakho liye ethembeni lakho nayo izolungiswa. Lo mbhalo urekhodwa ehhovisi labaqaphi besifunda esifundeni lapho kutholakala khona impahla. Ukunikezwa kwedokhumenti yenzuzo ezuzisayo, edlulisela intshisakalo enenzuzo empahleni yakho enkampanini, kumuntu noma kumuntu ophilayo trust nayo izofakwa uma ukhetha le ndlela yamahhala.