Mortgage - a edebanyere security, nke a na-gosikwa n'ime nkwekọrịta

N'ihi mortgage mgbazinye ego na-ji nnochianya n'ụdị bụrụnụ ndị kwụ chịm onwunwe. Nke a na ụdị nke azụmahịa na-achọ iwu nkwenye site a pụrụ iche akwụkwọ, n'ihi otuto maka ezigbo ala na ụlọ - ọ bụ a ego kama ibu ego nke ego. Ke adianade do, e nwere ajụjụ banyere a kpọmkwem nkwa, ọrụ egwuri site zụrụ ụlọ ma ọ bụ ndị ọzọ na ụlọ.

Na nke a, na Russian akụ ẹkenam ndebanye nke mortgage tinyere mortgage agreement.

Gịnị bụ mortgage

Mortgage - a nche na -achịkwa mmekọrịta dị n'etiti nbinye na-agbaziri agbaziri.

N'ihi ya, onye nwe na-aghọ ndị nwe abụọ ikike:

1. Nri ịrụ ego na a mortgage enweghị inye ọzọ na-egosi maka ya adị.
2. The nri iji ihe onwunwe, agbala n'okpuru mortgage ka nnochianya.

More kpomkwem kọwaa ihe a mortgage bụ na otú ọ dị iche na nke mortgage nkwekọrịta, ọ bụ omume dị ka ndị na-esonụ na tebụl:

Isi

Mortgage - a ụgwọ security, nke expires nanị mgbe full ugwo nke niile ibu ọrụ nke na-agbaziri agbaziri na agbazinye mmadụ ego ụgwọ. Mgbe ọ bụghị emebiela, ikike ịgụ, na akụ nwere ike re-nkwa ma ọ bụ na-ere nnyefe na ego ndị ọzọ na n'aka oru. N'ezie, ọ bụrụ na onye nkwenye nke na-agbaziri agbaziri. Otú ọ dị, nke a bụ mba dị ịrịba mmetụta na-adịghị ejere ya a nche: ọnọdụ nke mortgage nkwekọrịta, nakwa dị ka ọnọdụ nke ụlọ, na-agbanweghi agbanwe.

Russian agbazinye omume adịghị egboro manye ndebanye nke a akwụkwọ. Large anoghi n'ulo oba, n'ihi na ihe atụ, adịghị ewere ya na ya dị mkpa iji amanye na-agbaziri agbaziri banye a mortgage, n'ihi na ha mee nnukwu ego akụ, ya bụ, ha na-otú bụghị n'ihe ize ndụ nke ịbụ ndị ụfọdụ ịrịba nchikota maka onwe ya. Ma, ọ bụghị dị ka nnukwu sonyere n'aka na ego ahịa na-esi ọnwụ na ndebanye aha nke a mortgage iji chebe onwe ha.

Akụkụ dị mkpa nke a mortgage bụ na ya na okwu nke mkpa gafee mortgage nkwekọrịta. Ọ na-enyo na nke na-abụghị nnabata ọrụ na-emezu n'okpuru ndokwa nke nnyefe.

Kpum mortgage ego - ọ bụ isi akwụkwọ nke a azụmahịa, ọ ga-ede nnyefe, na mortgage - nke a bụ ya na nkwa. Original Mortgage ga-anọgide na-edebe na akụ na nyere ego, na-agbaziri agbaziri na-enweta a gbaara oyiri nke a notari.

Mortgage - bụ a nche elu ọnụ otu nke na-adịghị ekwe ka ndị ụlọ akụ ego alụmdi na nyefee ya na ọzọ na-enweghị ndị e dere ikike nke na-agbaziri agbaziri.

Ihe kachasi mkpa n'ime mortgage

Mortgage - a njikọ n'etiti ezigbo ala na ụlọ ahịa na ala. The ala akara bụ mortgage refinancing, ie mortgage ụgwọ nwere ike na-ere ma ọ bụ mortgaged. mortgage alụmdi ẹkenam na nso nso, nke doro anya na pụtara na-enwe ọganihu na-emepe emepe ahịa nke ụgwọ ala. N'ihi ya, mmiri ga-enwe ike ere ụgwọ na abụọ ahịa, si otú huu onwe ya a buru ibu ego kpuchie n'ihi na ogologo oge agbazinye.

The mortgage bụ ihe kasị mkpa mmiri oke mgbazinye ego na-ewu na njikere mere ụlọ. Ogologo oge ụlọ mgbazinye ego nwere ike ghara dabeere nanị na ego na ihe ndị ọzọ ihe ndekọ nke depositors. Oke na ogologo okwu na-agbazinye ndị na-ewu na zụọ nke onwe onwunwe ịchọ refinancing ohere na ngwaahịa ahịa dị ka nke ọma. The ụwa ego akụkọ ihe mere eme gosiri na enweghi nke nkịtị mmepe nke ahịa nke ụlọ mgbazinye ego na-enweghị mortgages.

Ọnọdụ na-esite a mortgage

Ndị a ala nwere ike agbala, n'okpuru atọ ọnọdụ:

• isi ọrụ - ego;
• na ọgwụgwụ nke mortgage nkwekọrịta ga-agụnye ego nke ụgwọ na ya, ma ọ bụ ndị ibiere site na nke ọ ga-ekwe omume iji chọpụta;
• na mortgage nkwekọrịta ga-adị ugbu item na mortgage nke.

Nke a apụtaghị na mortgage ma ọ bụ isi nkwekọrịta ibu chakoo. Ha ma ka na-nti. Ma anyị aghaghị icheta na mortgage - bụ a nche ọrụ nke na-nwetara site nnochianya. The njide nwere ike naghachi isiokwu mortgage ego ma ọ bụ nweta ọrụ nke isi nkwekọrịta bụ mortgage, kama na ndabere nke nnyefe ma ọ bụ isi nkwekọrịta. Ke adianade otu n'ime atụmatụ nke nnyefe ga-ezo aka na-amanye ịrụ ala ndebanye nke ala.

Nyere akwụkwọ ndị mortgagor. Mortgage - a nkwekọrịta nke nkwa, nke a na-ebipụta na a otu otu, bụ nke e dere ede, na a pụrụ iche nke ọkọlọtọ iche-iche. State ndebanye nke a mortgage agụnye ọnụnọ nke a pụrụ iche ndebanye nọmba ma pịa, na-enweghị ihe a nche bụ chakoo.

edemede nke ihe

Mortgage - bụ a nche nnochianya nke nwere ike ịbụ otu n'ime ihe ndị na-esonụ na ige:

• ụlọ, ụlọ na akụkụ ya nile;
• emechaghi akpọkwa;
• ala-ya;
• adọba ụgbọala, n'ogige ụlọ, cottages na ndị ọzọ na ụlọ maka n'ji nzube;
• n'ime obodo nile, ụgbọ mmiri, ụgbọ elu, ohere ihe.

Bs ike a ga-egbu, ma ọ bụrụ na nkwekọrịta bụ bụrụnụ ndị kwụ chịm ihe na kpọmkwem Njirimara, dị ka:

• ala-ya;
• enterprise dị ka otu na indivisible onwunwe mgbagwoju;
• osisi, wdg

Na mortgage nkwekọrịta dị ka ihe nwere ike e nyere ikike mgbazinye.

Gịnị bụ a mortgage na ala ahịa

Mortgage - a pụrụ ịdabere na ọkọnọ nke ụgwọ. The ụlọ ọrụ, bụ nke nwe a Pọtụfoliyo nke mortgages, ịkpọlite ndị ọzọ ego ga-nri-amalite na-amị ya agbụ. Ha ịkwụ ụgwọ bụ n'ihi na ugwo nke mmasị na mortgages ekesịpde site na ụlọ ọrụ na-esite nkekọ.

Mortgage ala ahịa - a akwụkwọ na-ezukọ ihe ụfọdụ a chọrọ. Karịsịa, ọ ga-abụ a nkịtị, ya bụ, na akwụkwọ, a ga-chọrọ na-ewetara ụfọdụ ozi. Ọnụnọ nke ọ bụghị ha niile na-akpaghị aka na-akagbu ya uru.

Na mgbakwunye na statutory ihe na data na mortgage nwere ike chee na ozi kpọrọ ihe pledgee na pledgor. Dị ka ihe atụ, ọ pụrụ ịbụ na ụfọdụ n'obodo ọdabara na-agbaziri agbaziri na ihe omume nke mbubreyo ugwo nke ọzọ ụgwọ, ma ọ bụ ụfọdụ elu atụmatụ, na-atụ anya ịnọgide na-enwe ekwele nkwa onwunwe. The Bank nwere ikike onwe, na-enweghị òkè nke ahụ ji ya ụgwọ, na-etinye ndị a ọzọ ọnọdụ.

Nyefe nke a mortgage na ya iwu pụta

Nyefe nke a mortgage na iwu uche na-kewara abụọ nkebi:

• ndebanye mbianye na ihu ọma nke transferor (ma ọ bụ ọ bụla ọzọ);
• n'ezie nyefe nke mbụ.

Endorser (onye na-aga nche) a chọrọ inye dere ngosi na ụgwọ nke nnyefe nyefe nke eziokwu. Mgbe na-anata akwụkwọ, ndị endorser aghọ nwe niile ikike nke mortgagee mortgage na usu nkwekọrịta. The endorser ga-akpata ha maka ntụkwasị obi nke ọmụma ndị dị na nyere nche. Ke adianade do, nyefe nke a mortgage pụtara nkwenye site endorser ahụ kwesịrị ntụkwasị obi ogbugbu nke niile ọrụ nke ụgwọ n'okpuru nkwekọrịta. Mgbe nyefe akwụkwọ mortgagor disclaims niile liability na endorser maka ọdịda site na ụgwọ nke ọ bụla ọrụ.

Otú ọ dị, e nwere a nkebiahiri iwu "On Mortgage" na-enye maka designation nke ọnọdụ nke ibu. N'ihi ya na asịwo mortgage enwekwu gị onwe gị na nkasi obi na nchekwa nke ha investments.

Refinancing iji mortgage

Iwu "On Mortgage" na-enye ọtụtụ ụzọ na-ebu ndị refinancing nke nnyefe mgbazinye ego na enyemaka nke:

• ire nke nnyefe;
• ya nkwa
• Sale nke akwụkwọ a na obligatory ọnọdụ ya ịgbara ya;
• nke nke nnyefe-kụziri ala.

Otu ihe dị mkpa nuance n'okwu a bụ na refinance mortgage nwere ike ịbụ naanị na arụmọrụ nke niile ibu ọrụ site ụgwọ na mbinye ego.

Uru na ọghọm nke nnyefe-kụziri ala

The uru nke issuance nke mortgage agbụ na asambodo bụ:

• Inweta a mortgage ahịa nke ego iji mụbaa akporo mortgage agbazinye;
• investors-enweta ala na elu ego na di.

Na mwepu nke mortgage agbụ na asambodo maka nwe bụ ekwe omume nke ugwo nke ego site ụgwọ tupu n'obi imecha. Elu n'ihe ize ndụ nke nloghachi nke ihu uru nke akwụkwọ, n'ihi na onye nwe mortgage ala ga-efunahụ nke ogologo oge alaghachi n'ụdị mmasị.