Nyumba yochokera ku Courser: Momwe mungagulire nyumba pamsika waukulu

Timauza momwe angasankhire wopanga, zomwe mumafunikira, komanso kugawana zina zobisika kuti mugule nyumba pamsika waukulu pamsika.

Chithunzi: Vevolod Chuvan / fotolia.com

Kutetezedwa ndi zolakwitsa zopanga, kuyambira pomanga kuchedwa kumatsimikizira mgwirizano wa kuphatikizidwa kwa ddu. Amaperekanso mtundu womanga.

Momwe Mungasankhire Wopanga

Yambitsani kufunafuna wopanga bwino pa intaneti. Pendani masamba a otukuka (kapena mawebusayiti atsopano). Samalani ndi mfundo zotsatirazi:

• zikalata zophatikizika;
• Ndemanga ya wopanga;
• zambiri za nyumba yomwe ikumangidwa;
• Zithunzi zomanga kapena pa intaneti.

Wopanga aliyense ayenera kukhala ndi phukusi la zikalata zophatikizira, zomwe zimaphatikizapo osachepera, satifiketi yolembetsa ndi umboni wa kulembetsa m'mitanda. Mutha kuyang'ana zolemba za wopanga kudzera pa Webusayiti ya msonkho.

Kuwerenga ndemanga za ntchito ya wopanga, kumbukirani kuti ambiri aiwo alembedwa ndi dongosolo. Pachifukwa ichi, timangoganiza kuti chidziwitsocho chidanditsutsa.

Kuthana kungaone kuti wopanga malusowo adawonetsedwa kuti azofunikira kuti asafune kuti analibe ndalama zokwanira kubweza kwa makontrakitala.

Onetsetsani kuti mwafufuza zithunzi za zithunzi (kapena Webcast) kuchokera pamalo omanga. Ngati kukwezedwa panthawi yomanga ndi kumeneku, kumatanthauza kuti wopanga wopanga amayang'anira makontrakitala, ntchitoyo siyofunika.

Mutha kuyendera zinthu zokwanira kale ndikuwona nyumba yamtundu wa mtundu womwe umasamutsidwa kwa makasitomala.

Yang'anani wopanga wopanga omwe adalandira ndalama za banki yodalirika, yomwe akatswiri omwe akatswiri omwe akatswiri omwe amasanthula zomangira zomangamanga ndikuwerengetsa ndalama zonse kwa makontrakitala.

Momwe Mungasankhire Nyumba

Chinthu chotsatira ndichofunika kubisa chidwi, ichi ndi chidziwitso chokhudza nyumba yatsopano, ndiye kuti chilolezo chomanga ndi chilengezo cha polojekiti.

Chilolezo chomanga chimaperekedwa ndi maulamuliro, chimatsimikizira kuti wopanga mapulogalamuwo adawunikiranso.

Wopanga mapulogalamuwo ndi kulengeza kapangidwe kokha, imaperekedwa kuti isindikize komanso siginecha. Kulengeza kwa polojekiti kuyenera kuwonetsa:

Zoyambira zoyambira ndi kumapeto;

• Kufotokozera mwatsatanetsatane kwa nyumbayo;
• gwero la ndalama;
• Zoopsa zachuma.

Kupanga ndalama zitha kuchitika ndi ogula okha, kapena wopanga mphamvu amatha kugwiritsa ntchito ndalama zobwereketsa. Chonde dziwani kuti wopanga amafunikira nthawi zonse chifukwa amawerengedwa ndi makontrakitala ndi kupezeka kwa zida, komanso gawo lililonse. Chifukwa chake, wopanga wopanga ndi wopindulitsa wogulitsa nyumba zoyambirira ngakhale zisanachitike zisanachitike, ndiye kuti, pa siteji ya dzenje.

Opanga masewera ena akutali amaliza kuti kampaniyo ikhale ndi mabanki, molingana ndi bungwe lomwe limapereka ngongole (Bank) limapereka ngongole yomanga nyumbayo, ndipo wopanga amawerengedwa ndalama zomwe zimalandiridwa kuchokera kwa ogula.

Chithunzi: SGR / Fotolia.com

Kugwirizana

Ntchito zogawana nawo malonda pomanga (DPdu) ziyenera kufunsidwa musanaganize za chisankho.

DTU ndi Briteral, ili pakati pa wopanga ndi wogula. Mwazomwe zili, ndizogwirizana komanso zolipirira. Izi zikutanthauza kuti ufulu ndi maudindo a maphwando amalumikizidwa mwanjira yomwe ufulu umodzi umatsimikiziridwa ndi udindo wa gulu linalo.

Wogula ali ndi ufulu wambiri kuposa wopanga. Komabe, ali ndi ntchito zake zokha. Wogula amakakamizidwa kulipira ndalama zomwe zimaperekedwa mu mgwirizano, komanso kuvomereza chinthu chomanga chilungamo pamaso pa chilolezo chololedwa nyumbayo.

Mgwirizano wa Kuchita Umodzi Kumanga kuyenera kukhala ndi zinthu zotsatirazi:

1. Zambiri zokhudzana ndi chinthucho chomwe chimakupatsani mwayi kuzindikira chinthucho (dzina la chinthucho, adilesi yomanga, chipindacho), meradiyo);
2. Mtengo wotsala wa nyumba (woperekedwa kuti maziko a maziko a Merah atha kusintha, omwe ali ndi mwayi wodziwa bwino sadzapangidwa ku mgwirizano, adzangopereka kuwerengera kokha);
3. Tsiku lomaliza la zomangamanga ndi nthawi yofalitsa chinthu ndi malo ogulitsa (mgwirizano womwe nthawi siyitchulidwa siyingalembetsedwe ku State Registern, ndiye kuti siyoyankhidwa);
4. Nthawi ya Chitsimikizo cha chinthu (osachepera zaka 5, kuphatikiza zaka zitatu pa zida zomanga), mkati mwa chimango chomwe wopanga adzachotsa zolakwa zaulere kapena kubweza ngongole;
5. NJIRA YOPHUNZITSIDWA NDI WOPHUNZITSIRA NTCHITO YOPHUNZITSIRA (IMFU YA PANSI YOPHUNZITSIRA / Chitsimikizo cha Banki kapena Chitsimikizo cha Banki, ndi Zotsimikizira za Chitsimikizo ndi Zambiri Zokhudza Ng

Kulembetsa kwa mgwirizano

Kuti munthuyu asagulitse nyumba imodzimodzi ndi ogawana angapo, kenako kunyamula ndalama ndi kubisala, kubisala, pa Disembala pa Disembala ndi zinthu zina zogulitsa nyumba. "Imayang'anira kulembetsa kwa mgwirizano wa mgwirizano pomanga bungwe la Federal State, Cadastre ndi Cartography (Rosrestr).

M'magawo a Rosreestra, mikhalidwe yomaliza ya malondawo idzayang'aniridwa, ndipo chidziwitso chake chidzalowetsedwa mu gawo limodzi la State Register (Egrn).

Kwa kulembetsa kwa Ddu, ndikofunikira kulipira ntchito ya boma ndi wogula, ndi wopanga. Mutha kupanga chindapusa kunthambi ya banki kapena kugwiritsa ntchito positi ya ntchito zaboma.

Mutha kulembetsa zikalata zanu kapena zaulere kusamutsa ulamuliro ndi proxy. Ngati mukufuna kudutsa munjira yolembetsa nokha, mutha kubweretsa mawu ogawa a Rosrestra omwe mudzachita nawo zinthu zonse ndekha.

Kulembetsa Magawo Ano Oyambirira, wopanga ayenera kugonjera ulamuliro:

• mawu olembetsa a State;
• chikalata cholipirira lamulo;
• Zolemba zotsimikizira mphamvu za woyimilira zaumwini ndikutenga nawo mbali za zochitikazo, kuphatikizapo ulamuliro wa nthumwi yalamulo kuti ziwachitire;
• Zolemba kukhazikitsa kupezeka kwa lamulo;
• chikalata chozindikiritsa;
• zikalata zophatikizika za bungwe lalamulo kapena zolemba zomwe mwalembazi;
• Zolemba zofotokoza za chinthu chomanga mawonekedwe ndi malo omwe ali pa chikonzero cha chinthu chomwe chimapangidwa ndi chinthu cha malo ndi malo ogulitsa ndi malo okonzekera;
• Chilolezo chomanga;
• Chilengezo cha polojekiti;
• Dongosolo la chinthu chomwe chinapangidwa ndi nyumba zowonjezera zomwe zili ndi malo okhala malo okhala komanso malo okhala m'manja ndi malo omwe aliyense wa iwo.

Ngati mwakonzeka kupatsa kulembetsa kwa DTD kwa woimira waluso, ndikofunikira kukonza chikalata chofananacho. Mphamvu ya loya iyenera kutumizidwa kulembetsa pangano ku Russia, kotero mumadziteteza ku mlengi wopanga kapena woimira. Kulembetsa mgwirizano nthawi zambiri kumatenga pafupifupi masiku khumi ogwira ntchito.

Chithunzi: Ngyna / fotolia.com

Kulipira Kwanyumba

Pambuyo pa DDD idalembetsedwa, mutha kulipira ntchito ya wopanga. Nthawi zambiri, malipiro amalowa muakaunti yapadera yovomerezeka kubanki atamaliza mgwirizano ndi wopanga. Pankhaniyi, panthawi yolembetsa pangano mu Rosreestre, banki imasungira ndalama zomwe inu mumapanga, koma osazisamutsa wopangayo mpaka woyimilirayo amapereka mgwirizano wokonzekera.

Pambuyo pa DDA idalembetsedwa, bankiyo imasamutsa pawokha ndalama pa akaunti ya wopanga. Ngati mgwirizanowo sunalembetse, mutha kunyamula ndalama zopangidwa ndi kalata.

Nthawi zina wopanga amapanga amakana kuchitapo kanthu pogwiritsa ntchito ngongole. Pankhaniyi, ndalama zidzasamutsidwira ku akaunti yokhayo, koma pokhapokha mutatha kulembetsa mgwirizano mu Rosreestre.

Pali njira inanso yotsalira, yomwe iyeneranso kutchulidwa. Mutha kulipira ndalama ku Cashier's Cashier. Pankhaniyi, muyenera kupereka chiphaso kwa ndalama zofika, zomwe zimatsimikizira kuti zolipira.

Mutha kulipira wopanga nyumba yanu panthawi kapena kudzera mu zolipira limodzi zomwe pafupipafupi pafupipafupi ndi pangano; Mtengo ukhoza kusinthidwa, koma pokhapokha ngati mikhalidwe yatchulidwa mu mgwirizano.

Mgwirizano Wowonjezera

Pakakhala kuchedwa pomanga kapena kulephera kuyambitsa chinthu, wopanga ndiye ayenera, malinga ndi gawo 3 la zojambulajambula. Padziko lonse lapansi. 214. (ф Mati, palibe pambuyo pa miyezi iwiri isanathe ntchito yakutumidwa kwa momwe zinthu ziliri ndikulongosola mgwirizano.

Zoyeserera zimawonetsa kuti kusaina mgwirizano wowonjezera kuli pankhani zotsatirazi:

• Pa mgwirizano, ma bangwe ochepa omanga adawonedwa mwachindunji kuti amanjenjemera (ndipo wopanga adachenjeza);
• Kuchedwa popereka zida zomangira;
• masoka achilengedwe;
• Sinthani kontrakitala.

Sikofunikira kusaina pangano lina ngati, mwachitsanzo, kusamutsa ufulu kuchokera kwa munthu wina, panali kukana kuti mupeze chilolezo, kapena ngati wopanga mapulogalamu akufuna kusamutsa Nthawi yoperekera kwa chaka komanso zina popanda cholinga. Mgwirizano wowonjezereka, komanso DD, akuyenera kulembetsa State m'magawo a Rosreestra.

Mulimonsemo, kuti muone momwe zinthu ziliri, ndikofunikira kufunsa masilankhani omwe, kutengera zomwe zikuchitika, adzalangizira ziwopsezo pazowopsa.

Machitidwe onyamula katundu

Nyumbayo itatumizidwa, wopanga amatumiza pempholo kuwunika nyumbayo. Malinga ndi zofunikira za Lamulo, pempholi limatumizidwa ndi makalata olembetsedwa. Opanga omwe atchulidwa mu DD ayenera kubwera ku ofesi ya wopanga. Mutha kupanga mphamvu ya loya kwa m'modzi mwa ogula, ndiye kuti zichitika njira zina zonse. Woyimilirayo atayang'ana zolemba za gululi (khadi la chizindikiritso, mphamvu ya loya, DDE), mudzapatsidwa nthawi yoyang'ana nyumbayo. Kuyendera ndi kuvomerezedwa kwa nyumbayo - mlanduwu ndi wodalirika. Muyenera kuyang'ana mosamala nyumba yatsopano pa zophophonya.

Zolakwa zonse zitha kugawidwa m'magulu awiri:

• chofunikira, pamaso pa zomwe sizingatheke kukhala m'nyumba;
• Zosafunikira, zomwe zimakhala zodzikongoletsera zambiri, koma osapatula mwayi wokhala m'nyumba (mwachitsanzo, osagwirizana ndi pulasitala).

Gawoli limakhala bwino, chifukwa silimapezeka mu ntchito iliyonse. Okhometsa nyumba, omwe amapanga nyumba yokhayo imatsimikiza kuti idzadziwika kuti ali ndi mwayi kapena ayi. Ngati zofookazo ndizofunikira, koma ma prolon akukhulupirira izi, wopanga akakhala kuti akuwonetsa kuti (nthawi zambiri izi zimathandizira kuti akatswiri odziyimira pawokha).

Zolakwa zonse zomwe mwapeza ziyenera kupangidwa kuti zichitike, zomwe zimalembedwa m'makope awiri. Pachinthu ichi, wopanga wopanga amakakamizidwa kuthetsa zolakwazo mu nyumba kapena kubweza ndalama zomwe mwakonza.

Ngati mwasayina kuti muvomereze ndi kutumiza, koma kenako ndi zoperewera, ndiye nthawi ya chitsimikizo mutha kulumikizanabe ndi wopanga kuti muwakonze. Ngati mukuchedwa kusaina ndi zophophonya zovomerezeka, ngakhale zolakwika zomwe sizikudziwika sizothandiza, ndiye kuti wopanga ali ndi miyezi iwiri kuti apange njira imodzi.

Ngati wopanga sanapatsidwe malo okhala mu DD, tsiku lililonse tsiku lililonse lachedwa, kulipidwa kwa kuchuluka kwa 1/150 ogwiritsa ntchito nthawi yobwerera ndalama.

Satifiketi ya umwini

Mukasayina kuti mwasankhidwa ndi kuvomerezedwa, wopanga, wopanga makiyi, alipo ena osakwaniritsidwa.

Wopanga mapulogalamuwo amakakamizidwa kulumikizana ndi maboma am'deralo kuti awonetsetse kuti adilesi ya positi yaperekedwa, komanso pasipoti ya ukadaulo komanso yaukadaulo, ndiye kuti, kuyika chinthu chatsopano pa kambuku. Nthawi zambiri zimatenga pafupifupi miyezi inayi.

Zikalata izi zikapezeka, ndikofunikira kulembetsa umwini wa malo ogwirizanitsa a State Real Estate (EGRN). Kuyambira pa Januware 2017, registry iyi ili mu mawonekedwe amagetsi mu dziko lonselo, chifukwa chake, amafunsira kulembetsa ufulu ndi kuwerengera kwa malo ogulitsa nyumba, mosasamala kanthu kuti chinthucho chili.

Ulamuliro wolembetsa umafunika kulumikizana ndi chikalatacho, mawu ndi ddu. Kulembetsa kumatenga pafupifupi masiku asanu ndi awiri. Satifiketi yokha siyikuperekedwa - chidziwitsocho chimapezeka mu registry, ndipo ngati kuli kotheka, tsimikizani mfundo yoti nyumba iyi ndi ya katundu wanu, landirani kuchotsera kwa Egn.

Kuchotsa msonkho

Kuchotsa msonkho ndi 13% ya ndalama zomwe mumapeza kuti dziko litakutumizirani mutagula nyumba, chifukwa msonkho wa ndalama pazomwe zaperekedwa kale. Satha kupeza kuchotsera kwa iwo omwe samachotsa msonkho.

Tumizani zikalata kuti muchotsere nthawi iliyonse mukagula nyumba. Kuchuluka kwa kuchotsera misonkho ndi ma ruble 260,000. Pakachitika kuti nyumbayo inali yotsika mtengo kuposa ma ruble 2 miliyoni, kuchuluka kwa kuchotsera, mutha kuthandiza komanso mtengo wokongoletsa.

Kuchotsa msonkho kumalandira amene amapereka ndalama. Abwana anu sasunga msonkho kuchokera kwa malipiro anu mpaka mutalipira ndalama zochotsa, kapena mutha kupangitsa kuti zitheke ndikulipidwa kudzera mu msonkho. Pankhaniyi, mudzalipira kamodzi pachaka.

Musanalumikizidwe pang'ono, ndikofunikira kusonkhanitsa zikalata zotsatirazi:

1. Chilengezo cha msonkho mu mawonekedwe a 3-ndfl;
2. Satifiketi ya ndalama mu fomu 2-ntff;
3. Kugwiritsa ntchito kuchotsera;
4. Makope a pasipoti, mgwirizano wa equity, risiti yolipira, chovomerezeka, cholandira chiletso, satifiketi ya kulembetsa kwa umwini kapena chofufuzira kuchokera ku registry.

Okwatirana omwe amagula nyumba yolumikizana idzafunikira mawu ofuna kudziwa gawo limodzi ndi buku la chikalata chaukwati kapena mgwirizano wa ukwati.

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