Ngexesha jikelele ilifa ucwangciso unako kuba enzima nkqubo kunye isihlwele ka-imibandela ziqwalaselwe kwaye izigqibo ukuba kwenziwa, ixesha ixesha kwakhona mna ukufumana ukuba zonke ngokulula ebila phantsi omnye ngokufanayo elingaphezulu - njani ipropati ngu enesihlokoUkuqonda ukuba ngubani owns yintoni enye real iqhosha ukwenza okulungileyo ilifa isicwangciso, kuba ngaphandle ipropati ekubeni enesihloko njengoko kulindeleke, nkqu uninzi sophisticated kwaye kulungile-wayecinga-ngaphandle ilifa isicwangciso uza kusilela miserably.
Xa i-estate ucwangciso lamagqwetha meets kunye umxhasi omtsha, omnye lokuqala imibuzo i-lamagqwetha ucela ngu 'Ntoni kuwe owakhe kwaye kwenzeka njani enesihloko. I-simplest indlela ukuqonda kubalulekile ukuba aphule phantsi njani ipropati ngu enesihloko kwi ezintathu ezisisiseko concepts: Ezi zi kuphela zintathu iindlela ipropati kusenokuba enesihloko, kodwa ube surprised zingaphi umxhasi ke ilifa ucwangciso attorneys umsebenzi kunye abo andazi kakuhle njani bonke abo ipropati ngu enesihloko.
Apha ingxelo emfutshane isixhosa ngamnye uhlobo ipropati ubunini: Sole umnini-propati ngokucacileyo ithetha ukuba umnini omnye umntu endaweni yayo okanye yakhe umntu igama kwaye ngaphandle na unikezelo kwi ukufa designation. Imizekelo iquka bank ii-akhawunti kwaye investments ii-akhawunti igcine kwi omnye umntu ke igama ngaphandle 'ziyabhatalwa kwi ukufa, 'unikezelo kwi ukufa, okanye 'kwi-trust kuba' designation, okanye real estate oko kukuthi enesihloko kwi omnye umntu ke igama 'imali ixesha elililo, okuthetha ukuba umntu owns amakhulu lendlu yakhe okanye yakhe sole igama ngaphandle intsalela ekubeni transferred ukuba umntu ongomnye emva kokuba umntu ke ukufa. Isihloko yi-isivumelwano ibhekisa ipropati ukuba ubani beneficiary ekuthiwa ukufumana propati emva kokuba umnini uyafa, kuquka ii-akhawunti yebhanki okanye utyalomali ii-akhawunti ukuze ube 'ziyabhatalwa kwi ukufa, 'unikezelo kwi ukufa' okanye 'kwi-trust kuba' beneficiary libeke ubomi i-inshorensi ukuba ubani beneficiary libeke umhlala-phantsi-akhawunti, kuquka IRAs, (k)s kwaye annuities ukuba kuba beneficiary libeke ubomi estates ukuba kuba remainderman libeke unikezelo kwi ukufa okanye beneficiary zizenzo ukuba kuba beneficiary libeke kwaye iyathemba ukuba kuba beneficiary libeke. Kanye uyaqonda iintlobo ezintathu impahla ubunini, kuza kufuneka baqonde abo baya kuwudla ilifa ngamnye uhlobo ipropati emva kokuba umnini uyafa. Kolu luvo, ipropati unako zijongwe magama ngeendlela ezimbini: probate impahla yexabiso vs. nonprivate impahla yexabiso Ngoko ke apho wenza probate impahla yexabiso hamba emva kokuba umnini uyafa. Oku kuya kuxhomekeka ukuba ngaba umnini sele, okanye akanalo, yokugqibela iza kwaye itestamente. Ukuba umnini ubani uza, ngoko ke abo baya kuwudla ilifa umnini ke probate impahla iya kubonelelwa yi-uza.
Ukuba umnini akanalo kuza, ngoko ke abo baya kuwudla ilifa umnini ke nonprivate impahla iya kubonelelwa yi-intestacy nemithetho imeko apho umnini waphila ngexesha lokufa ngokunjalo njengoko intestacy imithetho nayiphi na enye imeko apho umnini owned real estate.
Ngoku ukuba uyawuqonda zintathu iintlobo ipropati ubunini kwaye umahluko phakathi probate kwaye nonprivate impahla yexabiso, uyakwazi ukuqonda ukuba kutheni kubalulekile ngoko ke kubalulekile kuba yakho ilifa ucwangciso lamagqwetha ukwazi kakuhle njani yonke kwipropati yakho ngu enesihloko. Ngaphandle lena kubalulekile enye lolwazi, ilifa lakho ucwangciso lamagqwetha ayikwazi kukunceda yenza i-estate isicwangciso ukuba kusebenza indlela kufuneka silindele ngayo emsebenzini. Ngaphandle kuthathelwa ingqalelo kwesigqibo abo owns oko, uya kusala angeliso ilifa isicwangciso ukuba uza confuse yakho wayemthanda okkt kwaye kusenokwenzeka ukuba ilizwe nabo kwi-inkundla. Ngoko ke yenza yakho ilifa ucwangciso lamagqwetha a ukuthandwa kwaye bedlule ngamnye kwaye wonke omnye yakho yexabiso kwaye ubhale phantsi abo owns ngayo kwaye, ukuba oko kuyasebenza apha, ngubani libeke beneficiary, ngenxa ukuba wena musa ukwenza oku phambi intlanganiso kunye igqwetha lakho, wathi okanye yena ngokwenene iya kuthumela kuwe ekhaya ukuyenza.
