I-NJ Tenant rights in Foreclosure

Amalungelo abaqeshi kumgaqo-nkqubo we-NJ wokuTyhilwa ngaphambi nasemva kokuthengisa kweNS

Amalungelo abaqeshi kumgaqo-nkqubo weND wokuxelwa kwangaphambili kunye nasemva kokuthengisa


Kwi-Ofisi yomthetho kaPatel, uSoltis kunye noCardenas simela abaqeshisi kunye nabaqeshi. Siyawaqonda amalungelo omqeshisi kunye nabaqeshi ngexesha lenkqubo yokubhengeza kunye nokubhengezwa. Sibe nabathengi ababhengezwa njengabanini bebhanki abaye babanomhlaba ababengayiqondi inkqubo yokuTyhilwa okanye inkqubo yokuBhengezwa ekhokelele kubanini bamhlaba benganyanzelisi amalungelo abo. Khawube nomfanekiso-ngqondweni womnini-ndlu esilela ukugxotha umqeshi ngokungaphezulu konyaka ngaphandle kokuba umqeshi ahlawule irente ngenxa yokuba bengakwazanga ukwenza oko kugcina ngokuzenzekelayo kubhengezi.

Kwicala lokugqobhoza sibonisa umnini othenge umzi kwindawo ekubonwe kuyo ngaphambili apho abo “bafanele ukuba ngabaqeshi” banemali-3 yeminyaka yokuqeshisa ngeedola ezili-1,000 15 phantsi korhwebo. Nje ukuba sibandakanyeke abahlali ngokuqeshisa ngembumbulu eshiywe zingaphelanga iintsuku ezili-XNUMX ngaphandle kokuba siye kwinkqubo yokugxotha. Ukwazi amalungelo akho njengomqeshisi womhlaba okanye ungumqeshi linyathelo lokuqala lokuqinisekisa ukuba awuthathiwanga nzuzo.

Athini amalungelo abaqeshi xa amakhaya abo etyhilelwa ukubhengezwa eNew Jersey

Ukhuselwe yimithetho yokuchasana nokugxothwa eNew York. 2A: 18-61.1. The anti-Umthetho wokuGxothwa yadalelwa ukukhusela abahlali abangahlawulisi ukukhutshwa kwaye yamkelwe ukuze ichaze ukunqongophala kwezindlu kwiPhondo laseNew Jersey.

Uluhlu lwezizathu zokuba umqeshi angagxothwa eNew Jersey abandakanya:

  1. Ukusilela ekuhlawuleni irente - Imigaqo eyongezelelweyo isebenza ukuba umqeshi ukwindlu exhaswe ngemali okanye ukuba irente ibisetyenziselwa ukuhlawula izinto ebezirhafelwa ngumnini-ndawo.
  2. Ukuziphatha okungafanelekanga-Isaziso esibhaliweyo sokuphelisa ukungaziphathi kakuhle kufuneka sinikwe ubuncinci kwiintsuku ezi-3 ngaphambi kokuzisa isenzo sokugxothwa.
  3. Umonakalo okanye ukonakaliswa kwepropathi-ukubangaba umqeshi ngokungabom okanye ngabom “ngenxa yokungahoyi okukhulu” kubangelwe okanye kwavumela intshabalalo, ukonakala okanye ukonakala kwepropathi. Isaziso sokuyeka kufuneka sinikezwe kumqeshi okungenani kwiintsuku ezi-3 ngaphambi kokuzisa isenzo sokugxothwa.
  4. Ukophulwa okukhulu okanye ukophula imiThetho neMigaqo yeLandlord-Isaziso sokuLumkisa kufuneka sinikezwe kumqeshi ubuncinci kwinyanga enye ngaphambi kokufaka isuti yokugxothwa kwaye umqeshi akufuneki ukuba awulungise lo mbandela.
  5. Ukophula umthetho okanye ukophula imiGqibelo okanye iziVumelwano eziqulathwe kuQeshiso-iSaziso sokuLikhupha kufuneka sinikezwe kumqeshi ubuncinci kwinyanga enye ngaphambi kokufaka isuti yokugxothwa. Abaqashi bezindlu zoluntu banokhuselo olongezelelweyo.
  6. Ukusilela ekuhlawuleni iRenti yokunyusa-iSaziso sokuLikhupha kufuneka sinikwe kumqeshi ubuncinci kwinyanga enye ngaphambi kokufaka inkundla yokugxothwa. Ukunyuswa kwerenti akufuneki kungangqinwa kwaye kufuneka kuthobele yonke eminye imithetho okanye imigaqo kamasipala, kubandakanya nolawulo lwerenti.
  7. Ukwaphula umthetho wezeMpilo noKhuseleko okanye ukuSusa kwiNtengiso yeRente-Isaziso sokuLwa kufuneka sinikezelwe kumqeshi okungenani kwiinyanga ezintathu ngaphambi kokuba kufakwe isuti yokugxothwa. Umqeshi akanakugxothwa kude kubonelelwe ngoncedo lokufudukela kwenye indawo. Izizathu zibandakanya:
    1. Umnini-ndawo uxeliwe ngumhloli kwaye kufuneka akhwele okanye atshabalalise ipropathi leyo ngenxa yokophula umthetho ngokukhuselekileyo kwezokhuseleko. Kuya kufuneka nokuba "kube nzima kwezemali" kumnini-ndawo ukuba alungise oko kungaphathwa.
    2. Umnini-ndlu kufuneka alungise ukophulwa kwezempilo nokhuseleko kwaye akunakwenzeka ukuba enze njalo, ngelixa umqeshi ehlala kwipropathi. Izaziso ezongezelelweyo kufuneka zinikezwe kuRhulumente.
    3. Umnini-ndawo kufuneka alungisa indawo yokuhlala ngokungekho mthethweni kwaye akunakwenzeka ukuba alungise lo mthetho. (Kule meko umqeshi angafumana ilungelo lokufumana iinyanga ezi-6 zokurenta I-NJSA 2A: 18-61.1g Ukufuduswa komqeshi Ukophulwa, isohlwayo)
    4. Iarhente yaseburhulumenteni ifuna ukuyisusa ngokusisigxina loo ndawo kwintengiso yokuqeshisa, ukuze iphinde ikwazi ukuphinda ivelise kwakhona okanye icace indawo enobungozi.
    5. Nawuphi na umqeshi oxothiweyo phantsi g. 3) (ukuhlala ngokungekho semthethweni) unelungelo lokufudukela kwenye indawo
      Imali ilingana namaxesha amathandathu erenti yokurenta ngenyanga. Umnini-ndawo unoxanduva lokuhlawula
      iindleko zokufuduka komqeshi. Namphi na umqeshi ongafumani ntlawulo ifunekayo evela
      Umnini-mhlaba ubuncinci kwiintsuku ezintlanu ngaphambi kokususwa kwakhe kuloo ndawo, unokufumana intlawulo
      isuka kwingxowa mali yoncedo yokufudukela kwenye indawo esekwe ngumasipala. Umnini mhlaba uza kuba
      ifuneka ukuba iyibuyisele imali kumasipala.
  8. Umnini-Landlord ufuna ukuRhoxisa ngokusisigxina ipropathi kwiNdawo yokuhlala - Akukho nyathelo lisemthethweni elinokwenzeka de kuphele ixesha lokuqeshisa kwaye iSaziso sokuLumkisa kufuneka sinikezelwe kumqeshi okungenani kwiinyanga ezili-18 ngaphambi kokufaka
  9. Ukwala ukwamkela utshintsho olufanelekileyo kwiMeko nakwiMeko zoMqeshiso-Isaziso sokuCima masibe sinikezelwe kumqeshi okungenani inyanga enye ngaphambi kokufaka ifayile yokugxothwa. Ukuba emva kwesaziso esibhaliweyo umqashi uyala ukwamkela utshintsho olululo, umnini-mhlaba unokufaka ifayile kufanelekile ukuba agxothwe kwaye inkundla iyakuthatha isigqibo sokuba kufanelekile na ukutshintsha okufanelekileyo. Masisebenzise isihlomelo sezilwanyana zasekhaya njengomzekelo. Inkosi yomhlaba inokuba yayingenamgaqo-nkqubo wesilwanyana ekuqeshweni. Umqashi ngaphezulu kwakho unesilwanyana sasekhaya. Uqeshiso olutsha kunokuba negatya isihlomelo sezilwanyana zasekhaya ukuvumela abantu ukuba babe neenkonzo zekhaya. Ukwala isayine isivumelwano sokuqeshisa ngenxa yoku kungaphulukana nomqeshi okanye ikhaya lakhe.
  10. Umqashi ngokuqhubekeka Ukusilela ekuhlawuleni irente okanye umrhumo wokuhlawula emva kwexesha-Emva kwesaziso esibhaliweyo sokupheliswa kunye neSaziso sokuLikhupha ekufuneka linikezelwe kumqeshi okungenani inyanga enye ngaphambi kokufaka isuti yokugxotha umnini-ndawo
  11. Ukuguqukela kwiCondominium, ukuSebenza ngokuBambisana okanye ukuBhatala ubuMnini lula - Uqeshiso lwangoku kufuneka luphelelwe kwaye iSaziso sokuLishiya kufuneka sinikezelwe kumqeshi ubuncinci iminyaka emithathu ngaphambi kokufaka isuti yokugxothwa. Akukho manyathelo asemthethweni anokuthatyathwa de kuphele ixesha lokuqeshisa. Kukho imigaqo eyongezelelweyo esebenza ngamanye amaxesha kubaqeshi kunye nakubanini, kwaye kungcono ukuxoxa nommeli we-NJ Landlord / igqwetha.
  12. Ukuqesha ngokusekwe kwiNgqesho-
  13. Isaziso sokuyeka kufuneka sinikezelwe kumqeshi kwiintsuku ezintathu ngaphambi kokufaka isityu sokugxothwa ukuba umqeshi unepropathi ekwimeko yokuqeshwa ngumnini kwaye umsebenzi lowo ephelisiwe.
  14. Ukuqinisekiswa kwetyala elinokuchaphazeleka ngokuzibophelela kwipropathi - Isaziso sokuLishiya kufuneka sinikezelwe kumqeshi ubuncinci kwiintsuku ezintathu ngaphambi kokuba kufakwe isimangalo. Abantu abancinci abagwetyiweyo banamalungelo ongezelelweyo ekufuneka kuthathelwa ingqalelo.
  15. Ukuqinisekiswa kokuSolwa okanye ukutyisa umnini-mhlaba, usapho okanye abaqeshwa-Isaziso sokuyeka kufuneka sinikezwe kumqeshi ubuncinci kwiintsuku ezintathu ngaphambi kokuba kufakwe isimangalo. Abantu abancinci abagwetyiweyo banamalungelo ongezelelweyo ekufuneka kuthathelwa ingqalelo.
  16. Inyathelo leNkundla yeLizwe elinoxanduva Lokuhlala kuMqeshi kuxanduva lokubandakanyeka kwimicimbi yolwaphulo-mthetho- Isaziso sokuyeka kufuneka sinikezwe kumqeshi ubuncinci kwiintsuku ezintathu ngaphambi kokuba kufakwe isimangalo. Abantu abancinci abagwetyiweyo banamalungelo ongezelelweyo ekufuneka kuthathelwa ingqalelo.
  17. Ukuqinisekiswa kobusela bePropathi - Isaziso sokuCima masibe sinikezelwe kumqeshi okungenani kwiintsuku ezintathu ngaphambi kokufaka istayile

Ngaba i-NJ Landlord kufuneka ihlonele i-NJ yokuqeshisa emva kokubhengezwa kunye nokuThengiswa kweSheriff?

Ewe, umnini omtsha othengiweyo kufuneka anike imbeko yokuqeshisa kwiimeko ezininzi. Kukho kuphela isixa esithile sezizathu ezibekiweyo apho ukugxothwa kungafakwa khona kwisimo saseNew Jersey sidweliswe apha ngasentla. Ukuba isivumelwano sokuqeshisa ngobuqhetseba, umnini sithuba esitsha unokufumana ifayile yokugxothwa.

Ngoko ukuba ukhona Ukuhlawula irente yakho ngexesha umnikazi uphambi kwebala kwaye unaso isivumelwano sokuqeshisa esithi usasele neenyanga ezintandathu kwisivumelwano. Umnini omtsha unokufumana imbeko kolo luqeshiso. Abanako ukukususa nje. Ukongeza kuloo nto, emva kokuba kuphele ixesha lokuqeshisa kwezo zinyanga zintandathu, ukuba uyaqhubeka nokuhlawula irente, usakhuselwe ngummiselo olwa nokugxothwa.

Uninzi lwexesha umnini omtsha emva kwe-NJ Sheriff ethengiswayo akanakususa nje kuba efuna ukukususa. Umnini mtsha kufuneka abenamhlaba. Umzekelo, izizathu ezivakalayo zokufaka iifayile zokugxothwa kungakho ukuba inkosi yomhlaba inyuse abaqeshisi emva kokuba kuphele ixesha lokuqeshisa kwaye umqeshi uyala ukuhlawula. Ukuba imihlaba yinyuso yerenti engangqubani nayo nayiphi na imigaqo, kwaye awukhange uhlawule ukunyuswa kwerente ngumhlaba ofanelekileyo. Esinye isizathu esivakalayo sokususa umqeshi kwikhaya lentsapho enye kuxa abanini abatsha bafuna ukuba nekhaya labo okanye ilungu losapho. Sikwanenxalenye yokukhupha iintsapho ezininzi kwikhaya leentsapho ezi-3 njengoko umniniyo wayefuna ukuguqula yonke ipropathi ibe yeyakhe yosapho olunye.

Ukuba uphuthelwe kwiintlawulo zakho zerente, ngokuqinisekileyo oko kuyindawo esemthethweni. Khawufane ucinge ukungabhatali irente kwiinyanga ezi-6 kwaye umniniwo mtsha ucela irente. Siyibonile le nto isenzeka apho umntu xa engumqeshi eyeka ukuhlawula irente kumnini-ndlu kuba bafumanisa ukuba umnini-ndlu ubonakele kwaye umnini-ndlu uyanikezela. Ngokobuchwephesha kude kufike ikhaya lixelwe kwangaphambili, umnini-mhlaba unelungelo lokurenta nokuba baboniswa ngaphambili. Ibhanki ke ithenge eli khaya kuthengiso lwesherifu. Ngela xesha ibhanki yayinelungelo lokurenta phantsi kwengqeshiso xa itayitile izise ubunini bayo. Iinyanga ezintandathu zithengiwe ngaphambi kokuba kuthengiswe ikhaya kwaye irente ayikaze ihlawulwe. Xa umnini mtsha wafuna ukuba irente ibuyiswe ngequbuliso abaqeshisi nge- $ 1,150 ngenyanga yokuqeshisa ngendlu enamagumbi amane kwigumbi ledolophu iJersey City khange bazive ngathi bakhutshelwe irekhodi labo.

Khumbula, ukuba use- a umqeshi kwipropathi exelwe kwangaphambili eNew Jersey, usenamalungelo. Kukho iindlela zokugcina lawo malungelo. Qiniseka ukuba uyaqhubeka usenza into omelwe ukuba uyenza phantsi kopelo lwakho. Hlonipha uqeshiso kwaye wenze ngendlela efunwa ngumqeshisi ukuba ube ngumqashi. Kubalulekile ukuba abaqashi bazi. Inkundla ifuna ukuba izaziso zithunyelwe kubaqeshi ngaphambi kokukhutshwa ngaphandle kokuhlawulwa kwerenti. Kukwakhona namalungiselelo athile emthethweni athi ukuba abaqeshi abazizifumani izaziso ezohlwayo ezinokubekwa ebantwini. Ukuba ufumanisa ukuba umntu ugxothiwe, nxibelelana negqwetha laseNW Landlord Tenant. Ukuba ufumene ukugxothwa okungagqibekanga ngaphandle kokuba waziswe, unokukwazi ukufayilisha I-odolo yokubonisa isizathu sokufumana usuku lwakho enkundleni okanye a ukubhengezwa ngokungxamisekileyo banokwazi ukukunika ixesha lokulungisa imeko.

Umqeshi wam unesivumelwano sokuqeshisa ngobuqhetseba emva kokubhengezwa kwe-NJ. Ndingenza ntoni njengomqeshisi womhlaba?

Le nkampani ithethile neninzi yabathengi bezinto ezizimeleyo abacinga ukuba baqhubeka nokuhlonipha ingqeshiso ye-bogus eyenziwe ngabanini be-Ex. Abanini bangaphandle ngamanye amaxesha bazama uku Yila indawo ekhethekileyo yokuqeshisa kubaqeshi okanye amalungu osapho lwangaphambili. Umzekelo, umnini ngokubhekisele phambili unokuthetha ujonge umzala wam, umakhulu, kunye nomninawa wam uhlala kwiflethi yenombolo yesibini. Ndifuna ukubanika ingqeshiso yeminyaka emihlanu ngezantsi kwerente yentengiso ukuze bakhuselwe iminyaka emihlanu kwipropathi. UVoila. Bazicingele.

Kodwa, uyayazi into, abayifumenanga. Kuba into eza kuthi igqibe ukwenzeka kukuba umthengi uza kuzisa umqeshi enkundleni kwaye inkundla iphinde ihlolisise isivumelwano sokusebenza ngobulungisa. Uninzi olunokwenzeka inkundla iya kuthi oku kungumboniso wentengiso. Olu luqeshiso lweminyaka emihlanu ngezantsi kwerenti yeentengiso. Akukho mntu utyikitya isivumelwano seminyaka emihlanu. Ke emva koko babonakalisa lo mntu ukuba sisihlobo salowo uxelwe kwangaphambili. Ukuba ungumnini wepropathi yigcine engqondweni. Ukuqeshisa ngamanye amaxesha kuya kuphononongwa kwaye kubekwe phambi kwejaji. Ukuba uzama ukuweqa umthetho kunye nokuzama ukugcina ungumnini nangona unganalungelo lokufumana iinkundla ubelapho kwaye wakwenza oko. Ukuba mna nawe siye sakonwabela umxholo wale vidiyo nceda uyifumane kwaye ubhalise nceda.

Ndingumntu orenta indlu yakhe yaphakanyelwa e-NJ, ndibuyisa njani Idisithi yam yomngcipheko?

Ukuba umnini-ndawo wangaphambili akabuyiseli idipozithi yakho yomonakalo xa ikhaya lixelwe kwangaphambili, umnini-ndawo omtsha kuya kufuneka akhuphe imbuyekezo. Oku kunokuvakala kufanelekile kumnini omtsha, nangona kunjalo i-NJSA 46: 8-20 kwaye 46: 8-21 yenza i umnini omtsha onoxanduva.

Ukufumana iividiyo ezingakumbi, nceda ubhalise kwisiteshi: https://www.youtube.com/channel/UCFekP6ZLsiqLwHRGy1vxtOg Ukuba unayo nayiphi na imibuzo: Fowunela u-973-200-1111 okanye usithumelele i-imeyile [Imeyile ikhuselwe]

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