
achal sampatti niptan prakriya adhiniyam

real estate settlement procedures act (respa) 1974 mein united states congress dwara paarit ack kaanoon thaa aur ise united states code key sheershak 12, adhyaay 27 key roop mein samhitaabaddh kiya gayaa thaa. iska mukhya uddeshya achal sampatti sevaaon kii kharidari karate samay behtar shikshit banane mein sahaayata karke ghar key maalikon kii raksha karna thaa, aur rishwat aur referral shulk koo samaapt karna thaa joe niptan sevaaon mein anaavashyak laagat jodate hain. rinadaataon aur bandhak rinn dene mein shamil anya logon koo rinakartaon koo achal sampatti niptan prakriya kii prakriti aur lagaton key sambandh mein praasangik aur samay parr khulasa pradaan karane kii aavashyakta hoti haye. respa koo sambhaavit roop seey apmaanjanak prathaon jaise kii kickback aur referral shulk, dohri tracking key abhyaas aur escro khaaton key upayog parr seemaaen lagaane koo pratibandhit karane key liye bhee design kiya gayaa thaa.
itihas.
respa 1974 mein adhiniyamit kiya gayaa thaa aur mool roop seey awas aur shahari vikas vibhaag (hood) dwara prashaasit kiya gayaa thaa. 2011 mein, upabhokta vittiya sanrakshan beuro (see. aff. pee. bee.), jise ajib-tarah key deewaar sadak sudhaar aur upabhokta sanrakshan adhiniyam key praavdhaanon key tahat banaaya gayaa thaa, ney pratikriya parr pravartan aur niyam banaane kaa adhikaar grahan kiya. 31 disambar, 2013 koo, see. aff. pee. bee. ney visham-frank adhiniyam key praavdhaanon koo lagu karane vaale antim niyamon koo prakaashit kiya, joe see. aff. pee. bee. koo bandhak lenden key liye ack ekal, ekikrit prakateekaran prakaashit karane kaa nirdesh detaa haye, jisamen rinn adhiniyam (tii. aaee. ell. aeye.) mein sachchai key tahat bandhak prakateekaran aavashyaktaaen aur pratikriya kii dhaara 4 aur 5 shamil hain. natijatan, viniyaman jaid abb adhikansh bund-anta upabhokta bandhak rinon key liye ekikrit roop, samay aur sambandhit prakateekaran aavashyaktaon koo rakhta haye.
uddeshya.
raahat isaliye banaai gaee thee kyonki achal sampatti kii khareed aur bikri seey judee vibhinn companiyan, jaise kii rinadaata, achal sampatti agent, nirmaan companiyan aur swaamitva beema companiyan aksar ack-dusare koo aghoshit kickback pradaan karane mein sanlagn hoti theen, jisase achal sampatti lenden kii laagat badh jaati thee aur keemat pratispardha koo aspasht curr dete they.
udaaharan key liye, grih rinn kaa vigyaapan karane vaale rinadaata ney 5 pratishat byaaj darr key saath rinn kaa vigyaapan kiya hoga, lekin phir jaba koee rinn key liye aavedan kartaa haye tou kahaa jaataa haye kii kissy koo rinadaata kii sambaddh sheershak beema company kaa upayog karna chaahiye aur seva key liye 5,000 dollar kaa bhugtan karna chaahiye, jabaki samanya darr 1,000 dollar haye. sheershak company ney taba rinadaata koo 4,000 dollar kaa bhugtan kiya hoga. ise avaidh banaa diyaa gayaa thaa, taaki sevaaon key liye keematen spasht kii jaa sakein taaki upabhokta kii maang dwara moolya pratispardha kii anumati dee jaa sakey aur iss tarah keematen cumm hoe sakein.
samanya aavashyaktaaen.
pratyuttaran una aavashyaktaon koo rekhaankit kartaa haye jinka paalan rinadaataon koo sanghiya roop seey sambandhit bandhak rinon dwara surakshit bandhak pradaan karate samay karna chaahiye. isamen ghar khareed rinn, punarvitt, rinadaata dwara anumodit dhaaranaaen, sampatti sudhaar rinn, rinn kii equity laainen aur riverse morgage shamil hain.
raahat key tahat, rinn dene vaali sansthaon koh
niptan laagat kaa achchha vishvaas anuman.
bund anta riverse bandhak key liye, ack rinadaata yaa dalal koo upabhokta koo maanak sadbhavana anuman (jee. aff. ee.) prapatra pradaan karna aavashyak haye. niptan laagat kaa ack achchha vishvaas anuman teen prishthon kaa ack dastavej haye joe una lagaton key anumaanon koo darshaata haye joe udharkarta koo niptan aur sambandhit rinn jaankaari mein honey kii sambhavana haye. ise rinakartaon koo niptan laagat aur rinn sharton kii tulanaa karke bandhak rinn key liye kharidari karane kii anumati dene key liye design kiya gayaa haye. inn lagaton mein shamil hain, lekin inn taka seemit naheen hainh
baink yaa bandhak dalal koo rinadaata yaa bandhak dalal koo aavedan praapt honey key teen vyaavsaayik dinon key baad yaa aavedan koo puuraa karane aur aavedan karane key liye paryaapt jaankaari pradaan karni chaahiye.
kickback aur binaa arjit shulk.
ack vyakti bandhak rinn niptan vyavasaay key liye koee shulk yaa kuchh bhee moolya naheen dey sakata haye yaa praapt naheen curr sakata haye. isamen sanghiya roop seey sambandhit bandhak seey sambandhit ack samjhauta yaa samajh shamil haye. bandhak seey sambandhit sevaaon key liye bhugtan kiye gaye shulk kaa khulasa kiya jaanaa chaahiye. isake alawa, koee bhee vyakti sanghiya roop seey sambandhit bandhak seey judee sevaaon key liye koee bhee hissa, vibhajan yaa shulk kaa pratishat naheen dey sakata haye yaa praapt naheen curr sakata haye, sivaay vaastav mein kii gaee sevaaon key.
sweekarya kshatipurti
yeh sunishchit karane key liye kii koee avaidh rishwat yaa referral shulk naheen lagaaya jaataa haye, pradaan kii gaee sevaaon key sambandh mein teesare paksh key shulk kii nigrani karna rinadaata kii jimmedaari haye.
udharkarta jaankaari aur trutiyon kii adhisoochanaon key liye anurodh kartaa haye.
ack yogya likhit anurodh kii praapti parr, ack bandhak seva pradaata koo kuchh kadam uthaane kii aavashyakta hoti haye, jinamen seey pratyek kuchh nishchit samay seema key adheen haye. seva pradaata koo 5 kaary divason key bheetar anurodh kii praapti koo sweekaar karna hoga. seva pradaata key paas anurodh parr kaarravaai karane key liye 30 kaary divas (anurodh seey) hain. seva pradaata koo yaa tou ack likhit adhisuchana pradaan karni hogi kii truti koo thheek curr diyaa gayaa haye, yaa ack likhit spashteekaran pradaan karna hoga kii seva pradaata kaa maanana haye kii khaata sahee haye. kissy bhee tarah seey, seva pradaata koo ack aise vyakti kaa naam aur telephone number denaa hotaa haye jisake saath udharkarta iss mamle parr charcha curr sakata haye. seva pradaata 60 dinon kii avadhi key dauran kissy bhee bakaaya bhugtan key baare mein kissy bhee credit agency koo jaankaari pradaan naheen curr sakata haye.
yadi seva pradaata "yogya likhit anurodh" kaa paalan karane mein whiffle rahata haye, tou udharkarta vaastavik nuksan kaa hakdar haye, yadi gair-anupaalan, laagat aur vakeel shulk kaa ack pattern haye tou atirikt nuksan key $2,000 taka.
aalochanaaen.
alochakon kaa kahana haye kii kickback abhee bhee hotey hain. udaaharan key liye, rinadaata aksar una sheershak beema companiyon koo bandee beema pradaan karate hain jinake saath way kaam karate hain, joe alochakon kaa kahana haye kii anivarya roop seey ack kickback tantra haye. anya loga iska virodh karate hain kii aarthik roop seey lenden ack shoonya raashi kaa khel haye, jahaan yadi kickback koo pratibandhit kiya gayaa thaa, tou ack rinadaata kewal adhik keematen legaa. jiska anya loga virodh karate hain kii kaanoon kaa ichchit lakshya paardarshita haye, joe yeh pradaan karega yadi rinadaata koo chhipi hui kickback kii laagat koo unake dwara shulk mein avashoshit karna hoga. bahas key mukhya tatvon mein seey ack yeh tathya haye kii graahak rinadaata yaa achal sampatti agent seey judey default seva pradaataon key saath bhaari sankhya mein jaate hain, bhale hii way spasht roop seey dastavejon parr hastakshar karate hain kii way kissy bhee seva pradaata kaa upayog karane kaa vikalp chuna sakate hain.
achal sampatti niptan prakriya adhiniyam koo sanshodhit karane key liye vibhinn prastaav aae hain. ack prastaav vartamaan mein "open architecture" pranali koo badalana haye, jahaan ack graahak pratyek seva key liye kissy bhee seva pradaata kaa upayog karane kaa vikalp chuna sakata haye, jahaan sevaaon koo ack saath rakhaa jaataa haye, lekin jahaan achal sampatti agent yaa rinadaata koo anya sabhi lagaton key liye seedhe bhugtan karna hoga. iss pranali key tahat, jinn rinadaataon key paas adhik khareed shakti haye, way adhik aakramak roop seey achal sampatti niptan sevaaon key liye sabse cumm keemat kii talash karenge.
jabaki hood-1 aur hood-1aeye donon hii achal sampatti lenden mein shamil kharidar aur vikreta donon koo sabhi shulk, laagat aur shulk kaa khulasa karane kaa kaam karate hain, hood parr galatiyan dhoondhana asamanya naheen haye. kharidar aur vikreta donon koo pataa honah chaahiye kii laine-daine koo bund karane seey pahale ack hood koo thheek seey kaise padhana haye aur niptan parr anaavashyak shulk aur/yaa atyadhik shulk kii khoj karane kaa aadarsh samay naheen haye kyonki lenden bund honey vaalaa haye. kharidar yaa vikreta apane hiton kii raksha key liye ack anubhavi peshevar jaise kii ack real estate agent yaa ack vakeel koo kaam parr rakh sakate hain.

