25/08/2026
🏠 *DAHKHAM — MORTGAGE AWMZIA LEH CHI HRANG HRANG TE*
Mortgage = Dahkham
Mortgagor = Dahkhamtu
(The person who mortgages the property)
Mortgagee = Dahkham dawngtu / Puktirtu
(The lender/bank)
Mortgaged Property = Property dahkham / Thil dahkham
Property = Inhmun, In dinglai, Ro.
Mortgage hi chi hrang hrang a awm a, a kalphung pawh a inang vek lo.
1️⃣ *SIMPLE MORTGAGE — DAHKHAM PANGNGAI*
Dahkhamtu chuan a property chu pawisa puk na atan a dah, mahse property neitu chu ala ni reng ang. A pawisa puk a rulh loh chuan dahkham dawngtu chuan dan kalphung hmangin property chu hralh thei a, a sumlu hmuh let nan a hmang thei.
2️⃣ *MORTGAGE BY CONDITIONAL SALE — IN LEI SAK THEIHNA THUPEK NEIA DAHKHAM.*
Property chu hralh ang maia dahkham, mahse hralh tak tak erawh nilo, pawisa puk rulh let dan dinhmun in a zir ang.
Pawisa puk a rulh chuan property chu a neitu hnenah a kir leh ang. A rulh loh chuan inremsiamna angin hralh angin a kal tawh ang.
3️⃣ *USUFRUCTUARY MORTGAGE — PROPERTY HLAWKNA HMANGA DAHKHAM*
Dahkhamtu chuan property atanga hlawkna awm thei chu dahkham dawngtu hnenah a hlan chhawng ang.
Dahkham dawngtu chuan property atanga Rent (Inluah man) a lo lut chu pawisa puk a pung rulhna atan a hmang thei.
4️⃣ *ENGLISH MORTGAGE — PROPERTY TRANSFER HMANGA DAHKHAM*
Dahkhamtu chuan property chu dahkham dawngtu hnenah thuneihna pumhlum a pe tel ang.
Mahse pawisa puk a rulh zawh chuan dahkham dawngtu chuan property chu a neitu hnenah neitu nihna a pe kir leh ang.
5️⃣ *MORTGAGE BY DEPOSIT OF TITLE DEEDS — PROPERTY NEIHNA THUZIAK PAWIMAWH DAHKHAM.*
Property neihna document — Title Deed — chu puk tir tu hnenah security atan dah a ni.
Property neitu nihna chu puk tir tu hnenah pek nghal a ni lo.
6️⃣ *ANOMALOUS MORTGAGE — DAHKHAM KALPHUNG DANG LAM*
Simple, Conditional Sale, Usufructuary, English leh Deposit of Title Deeds ho zawng zawng huam chhunga tel velo emaw Mortgage kalphung chi hrang inzawmkhawm pawh a ni thei.
7️⃣ *BALLOON MORTGAGE — A TAWPA SUM TAM TAKA RULH TURA DAHKHAM*
Hei hi legal dahkham ai mahin a sumlu leh a pung rulh let dankalphung a ni mah zawk.
Pawisa puk hun chhung chu reilote pawh alo ni thei a, puk hun chhung a zawh chuan a sumlu leh pung zawng zawng nen a vawikhata rul vek ang hi a ni. Chu chu Balloon Payment an ti a ni.
8️⃣ *REVERSE MORTGAGE — DAHKHAM DAN INTHLAKTHLENG.*
Dahkham pangngai kalphungah chuan puk tir tu in pawisa a puk tir a, puk tu in thlatin ten a rul thin.
Reverse Mortgage-ah erawh puk tir tu in dahkham tu hnenah thlatin angin pawisa a pe thin thung, hei hi senior citizen (k*m upa lam te tan bik a siam a ni)
Senior citizen chuan a in chu dahkham atan a dah a, mahse inah chuan a cheng reng thei a. A dahkhamna te chuan thlatin angin pawisa an pe zawk thin a ni.
Pu X → A in dahkham → Bank/HFC → Pu X hnenah pawisaan pe zawk thin a ni. Pu X chu a inah a cheng reng tho a. Pawisa in rulhlet leh dan turah chuan inremsiamna tha tak leh scheme kalphung hrang hrang hmangin an in thurual thin a ni.
➡️*A Tawpna*
Heng hi Mortgage - Dakham kalphung chi hrang hrang kan rawn tarlang duh chu a ni a, a then hi chu India ah an la hman chiah lo te pawh a awm a ni.
Mizo te hian Dahkham kalphung kan hmang nasat ber te chu Mortgage by Deposit of Title Deeds ang chi hi a ni deuh ber a. Bank ah te hian kan LSC te kan dah mai zel ang hi a ni.
Kan Mortgage dawn hian Bank hrang hrang te hian kalphung enge an neih ti te hi zawh chian thei reng anni bawk a ni.
🛡️🛡️🛡️🛡️🛡️🛡️
Huxley L Colney CWM®
