Tenancies


18
Aug 10

Difference Between a Lease and a Tenancy

Part 15 of the National Land Code 1965 lays down the law in respect of Leases and Tenancies. In a nutshell, a lease is recognised as a term which exceeds 3 years and requires registration. Leases which are for a term lesser than 3 years are usually and commonly called Tenancies and do not require registration.

Whilst the minimum number of years required for a lease is 3, there is a maximum number of years for which a lease may be so granted. Where the lease is for the whole of any alienated land, the maximum number of years allowed is 99 years. If the lease relates to part of a land only, then the maximum number of years for which a lease may be granted is 30 years.

Every lease must be granted by an instrument in Form 15A. For tenancies, however, the Tenancy Agreement – duly executed and stamped suffices to show the intention and agreement between the Landlord and the Tenant.

Sometimes, parties may prefer to enter into Tenancy Agreements so that shorter terms are created which allows renegotiation of terms such as rental chargeable on a periodic basis. At the same time, the parties need not go through the hassles of having to register a lease should they prefer a longer term. On the other hand, Lease Agreements give the parties a certainty of their long term commitment with one another. The lessor knows that he will be expecting a steady flow of lease income for a long term and likewise, the lessee knows how much he needs to pay for the long term and is thus, able to plan his cashflow accordingly.


30
Jul 10

Lease-To-Own

What is a lease-to-own house purchase? Well, a lease-to-own house purchase (sometimes also known as “lease purchase” or “rent-to-own”) is a lease combined with an option to purchase the property within a specified period, usually 3 years or less, for an agreed consideration.

What many people do not realize is that by utilizing a lease-to-own purchase, they can afford their dream home though it may initially look beyond their means. By using this facility, there are some benefits that you can enjoy, one of which is that it gives you time to repair your credit.

Most of the lease-to-own companies will work with you notwithstanding your imperfect credit. During the course of the lease-to-own period which usully runs between 2 to 3 years, the company will work with you to help repair, rebuild and re-establish your credit. Through this method, it is envisaged that by the time the term is complete, your credit would have been in a much better standing to qualify for mortgages.

Using lease-to-own also allows you to start home ownership with less down payment. If raising 10% down payment beyond your means, you can look at lease-to-own homes where the usual rates are between 3% to 5% for down payments.

Lease-to-own homes also allow you to lock into the purchase price of today as the price of the house will not fluctuate but rather, is tied down to the lease-to-own purchase agreement.