: 24 de junio de 2022
Tanto el cargo como la hipoteca son diferentes entre sí, con un cargo como garantía por el pago adeudado y si uno no paga, entonces entra en juego una carga. Mientras que la hipoteca es la transferencia de un interés en un activo inamovible.
Hipoteca vs Cargo
La principal diferencia entre Hipoteca y Cargo es que la hipoteca es la transferencia de intereses al prestatario por parte del prestamista sobre una base de fideicomiso. El prestatario promete devolver el monto de la hipoteca a su debido tiempo. Un cargo es el uso de un activo como garantía cuando el prestatario no paga el pago re -.
Si la propiedad es inmueble, se convierte en Hipoteca, si la propiedad es móvil, se convierte en una prenda.
Tabla de comparación entre hipoteca y cargo
Parámetro de comparación Cargo MortgagePropiedad aplicada a Cargado sobre bienes muebles e inmuebles Cargado sobre bienes inmuebles Período de pago Período de pago infinito Período de pago fijo Originalidad – Formación Creado por la ley Acuerdo y Ley entre dos partes Responsabilidad No responsabilidad personal excepto en casos especiales con introducción del contrato Se espera responsabilidad personal, excepto cuando se excluye por un contrato Registro Requiere el registro bajo la ley – Transferencia de la Ley de Propiedad 1882 No requiere registro, excepto cuando es creado por un acto de las partes
¿Qué es la hipoteca?
Este es un acuerdo entre dos entidades en las que una da una palabra de honor a la otra para la transferencia de bienes inmuebles a la otra y generalmente ocurre entre un prestatario y prestamista. Es principalmente una transferencia de interés de una parte a otra.
En este caso, la propiedad de la propiedad permanece con el prestatario y la posesión transferida al prestamista a tal momento en que el prestatario haya completado el precio de pago inicial acordado – a través del acuerdo – opción de pago.
Si el pago no se realiza a su debido tiempo, el prestamista tiene la opción de vender la propiedad para recuperar su aporte financiero.
Las hipotecas se subdividen en las siguientes categorías:
- Hipoteca simple – Esto se puede distinguir fácilmente de otro modo de hipoteca por la presencia de la propia convicción personal cuando el prestatario no paga al prestamista puede vender la propiedad a recuperar el monto restante y la posesión de la propiedad permanecerá con el prestatario.
- Hipoteca de la Usufructuaria – Este es un tipo de hipoteca en la que si el prestatario ( Mortgagor ) no puede pagar debido a algunas circunstancias puede alquilar la hipoteca a un tercero a recibir el alquiler de la hipoteca y puede pagar este alquiler al prestamista. Los pagos pueden dirigirse al prestamista o pueden pasar por el hipotecario dependiendo del acuerdo en cuestión.
- Hipoteca por venta condicional – Esta es una hipoteca a la venta con una condición muy clara de que habrá una transferencia de la hipoteca al propietario al reembolso de la préstamo.
- Hipoteca inglesa – Al igual que la hipoteca por venta a condición, este plan hipotecario da una fecha específica de pago de la propiedad se transferirá nuevamente al propietario original mediante el pago de la hipoteca préstamo en la fecha fija acordada.
- Hipoteca equitativa – Este tipo de hipoteca otorga al prestamista la seguridad de las posesiones parlantes de todos los documentos de título originales de la propiedad con el único objetivo y propósito de nombrar un nuevo receptor, vender la propiedad o excluirla en caso de que haya un problema de impago.
- Hipoteca anómala – Esta es una hipoteca que no es por casualidad ninguna de las hipotecas de tipo I.E., es una hipoteca que no es una hipoteca equitativa, una hipoteca simple, hipoteca por venta condicional o hipoteca usufructuario
¿Qué es el cargo?
Este es un interés de los préstamos de seguridad a través de una hipoteca sobre los activos de la compañía. Es la creación de un derecho de activo para el prestamista con fines de seguridad para pagar un préstamo.
Existen dos tipos de carga
- Cargo fijo – Estos son los cargos en los que se incurre en activos fijos o activos determinados e incluyen terrenos y edificios.
- Cargo flotante – Son cargos que se cobran por activos que se consideran acciones de ejemplo inciertas.
Los componentes clave de una carga son:
- Términos de venta
- Una explicación clara de lo que sucede cuando hay un incumplimiento en el pago
- Alivios al cargador que deben incluir el derecho de venta
Se pueden aplicar cargos tanto en bienes muebles como inmuebles, hipotecas, compromisos e hipotecarios
Diferencias principales entre hipoteca y cargo
- Se puede pagar un cargo por un período infinito, mientras que la hipoteca se paga por un cronograma específico y la propiedad se puede vender una vez que uno no puede pagar según lo acordado.
- Las hipotecas tienen una responsabilidad personal adjunta, excepto en los lugares donde está excluido por un contrato, mientras que el cargo no tiene responsabilidad personal, excepto cuando se establece en un contrato.
- Las hipotecas son principalmente la transferencia de la propiedad de intereses de una parte a otra por un activo inamovible, mientras que el cargo es solo una forma de seguridad para asegurar una deuda a través de prenda, hipoteca o incluso una hipoteca.
- El prestamista no puede vender la propiedad en cargos, para recuperar el monto mientras la propiedad se puede vender a las hipotecas de otra persona.
- Los cargos no requieren registro bajo la ley, mientras que las hipotecas sí requieren registro bajo la ley de transferencia de propiedad de 1882.
- Mientras que los intereses de transferencia hipotecaria, Un cargo solo se usa con el único propósito de otorgar el derecho de recibir el pago de una propiedad en particular y no funciona como una transferencia de un interés en la propiedad.
Preguntas frecuentes ( Preguntas frecuentes ) Acerca de la hipoteca y el cargo
¿Es una hipoteca un cargo fijo?
Depende de si la compañía saca la hipoteca de un activo circulante o un activo tangible. Los activos circulantes generalmente incluyen cuentas por cobrar, inventario, etc., mientras que los activos tangibles o fijos incluyen un edificio o una propiedad fija.
Una hipoteca que se saca de un edificio es un cargo fijo. Sin embargo, una carga flotante también se puede convertir en una carga fija en la cristalización. Pero esto solo sucede cuando una empresa se somete a liquidación.
¿Quién posee las escrituras de una propiedad hipotecada?
Las escrituras o documentos legales establecen quién posee una propiedad o tierra en particular. Permite a un abogado verificar si el vendedor puede vender o no una propiedad. Estas escrituras son propiedad del propietario de esa propiedad.
Sin embargo, si hay alguna hipoteca sobre la tierra, estas escrituras o documentos se encontrarán en su prestamista hipotecario, cuyas fotocopias se pueden solicitar en cualquier momento. También ayuda saber si hay hipotecas en una propiedad.
¿Cuáles son los tipos de hipotecas 3?
Los tres tipos de hipotecas son – hipotecas de tasa fija -, hipotecas de tasa ajustables – e hipotecas alternativas. En las hipotecas de tasa fija -, una persona sabe cuánto tiene que pagar cada mes. En las hipotecas de tasa ajustable, el pago mensual de la hipoteca aumenta y disminuye junto con las tasas de interés.
Hipotecas alternativas o combinadas, cambian con el tiempo. Generalmente ofrecen una tasa de interés baja – inicialmente y luego su tasa de interés depende de las condiciones actuales del mercado.
¿Cuánto dura un cargo en una propiedad?
El cargo en una propiedad dura 12 años. No es posible volver a – hipotecar su casa cuando se emite una orden de cobro.
Sin embargo, esta orden de cobro puede ser levantada por la aprobación de su acreedor una vez que pague la deuda en su totalidad.
¿Puedo vender mi casa con una orden de carga?
El registro de la orden de cobro se mantiene en el Registro de Tierras de HM una vez que se ha otorgado. Es posible vender una casa con una orden de cobro, pero solo si una persona paga el cargo en su totalidad al acreedor.
Síntesis
En la hipoteca, el prestatario perderá la hipoteca si no la paga, esto sucede a través de una orden judicial, el cargo es solo una forma de demostrar la seguridad al prestamista para garantizar que el monto prestado se reembolse en su totalidad.
El cargo y la hipoteca están diseñados de manera que el prestamista tenga todo el seguro para protegerlos de un caso en el que el prestatario no puede pagar el monto prestado según el acuerdo vigente.
- https://core.ac.uk/download/pdf/7074676.pdf
- https://www.actuaries.org.uk/system/files/documents/pdf/mortprepayrpt.pdf
Contenido
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