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Ukuthenga indlu kwimakethi yendawo yokuhlala. Isikhokelo kumanqanaba olo tshintsho, ukuvumela ukunqanda imigibe.

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Ukuba uthatha isigqibo sokuthenga indlu, kuya kufuneka ukhethe imali ekwakhiweni kwesindlu esitsha okanye sokuthenga kwintengiso yesibini. Amatyala anyukayo okhohlisayo wabanini zabelo bakhuthaza abathengi abaninzi ukuba bakhethe ukhetho lwesibini. Kubo, sinika isikhokelo kumanqanaba otshintsho, oluvumela ukunqanda amatye aphantsi.

Ke, kusenziwa isigqibo, uyayithenga indlu engasesakhiwo esitsha, kodwa kwimakethi yesibini, sele iqalekisiwe kwaye ixhotyiswe. I-plus ngokungathandabuzekiyo akufuneki ulinde ukuphela kokwakha kwaye uqikelele ukuba indlu iya kuphakanyiswa nini ngexesha. Ukongeza, xa uthenga igumbi elisekhaya ekwakhiweni, kuya kufuneka wenze malunga neenyanga ezi-6 ukulindela ukubhaliswa korhulumente kobunini bayo. Nangona kunjalo, umntu okhangela izindlu zesekondari uyadingeka kakhulu. Eli candelo lentengiso liyanda. Nantsi ubuqhetseba obungakumbi, kunakwindlela ephambili, kwaye ixesha lokubuya leflethi lineminyaka emi-3 ukusuka kumzuzu wokubona ubumdaka bentengiselwano. Nabaphi na abanini bezindlu banokuqhanqalisa ukuthengiselana ngexesha elichaziweyo (kunye nezizathu ze-Mass, ngamanye amaxesha ziyenziwa ngabom). Ukuba bekukho ukophulwa komthetho, inkundla ibuyisela amaqela kwindawo yokuqala. Inani leentengiselwano eziphelisiweyo kwimarike yendawo yokuhlala engasebenziyo: eMoscow, umzekelo, malunga ne-3% yenani elipheleleyo labo. Ukulungiselela ukungaphumi ezi zibalo zilusizi, kuya kufuneka ucinge ngazo zonke izinto ozenzayo.

Khetha indlu

Uza kuqala phi? Ewe, ngokukhangela indlu. Ukuba awupheleli kwiindlela, nxibelelana ne-Arhente yeZakhiwo yeZakhiwo ngeengcali eziya kuthatha indawo efanelekileyo yokuhlala. Ilindelwe lilitye lokuqala eliphantsi. Ubudlelwane nenkampani ye-Earhenter ye-Real Estate kufuneka kukhutshwe. Kubaluleke kakhulu kwisicatshulwa kwekhontrakthi ukubonisa zonke parameters kule ndlu uyifunayo: kwisithili, uhlobo ndlu, umgangatho, indawo, inani lamagumbi. Olona lwazi lupheleleyo luya kufumana iarhente yakho, kuya kuba lula ukufumana ukhetho olufanelekileyo.

Nceda uqaphele ukuba isivumelwano kunye ne-Arhente kufuneka simisele ubungakanani bomvuzo wokwenyani. Ndiyingcebiso engatshatanga. Ithuba elikhulu lenqaku lokuba i-Arhente iya kukhetha iinketho ezintathu zezindlu ezanelisayo iimfuno zakho, kwaye ngaphakathi kwexesha elithile. Kwimeko echaseneyo, inyani iya kufuneka ibuyele kuwe ngokukhawuleza kwaye ihlawule isohlwayo. Ewe kunjalo, le meko yesivumelwano ayithethi ukuba ungabi nakhohlakeleyo kwaye ulahle onke amagumbi ahlangabezana neemeko zakho. Ukuba eli gama liphoswa yimpazamo yakho (umzekelo, uyila ukhetho olunikezwe yi-Arhente ngaphandle kwengcaciso yezizathu), uya kubuyisela intlawulo kwangaphambili yemali echithwe yindawo yokuhlala.

Indlu yomthengi ayihlawulanga irhafu. Umthengisi uza kuhlawula irhafu yengeniso-I-13% yeendleko zendlu (ngokuncitshiswa kwezibonelelo). Kodwa ukuba indawo othengiswa ngayo ingaphezulu kweminyaka emi-5 okanye ixabisa ngaphantsi kwezigidi ezili-1 ruble, ukhululwe kwintlawulo yerhafu. Ukuba umthengisi unendlu engaphantsi kweminyaka engaphezu kwe-5, kuya kufuneka ahlawule irhafu ngexabiso lengeniso evela kwintengiso yendawo yokuhlala engaphezulu kwe-1 yezigidi ruble.

Nditsho ndiyokuthenga indlu ngearhente, qala ngokufunda kwimarike. Umntu onolwazi olunjalo akakho lula ukujikeleza umnwe-emva kwayo yonke loo nto, unombono wamaxabiso kwintengiso yezindlu, kwaye ke ukulungele ukuthetha nomfanekiso ngqondweni ngolwimi olufanayo.

Ukuba uthatha isigqibo sokwenza ngokuzimeleyo, ngaphandle kokuguqula uncedo lwe-Arhente yeZindlu, uphando lwemakethi luyimfuneko, le yindlela oza kuzifumana ngayo izinto ozikhethayo ezimiselweyo. Kwinqanaba elilandelayo, kuya kuba yimfuneko ukufowunela abanini bezimilo ezinomdla, kuya kufuna ixesha namandla.

Nje ukuba ukhethe iindlela ezimbalwa ezifanelekileyo kumagumbi (okanye uya kuzifumana ngokwakho), kufuneka uziqhelanise nazo nazo. Sukuyiqonda ixesha lokuhlola kwaye uqaphele ukuba uninzi kufuneka lube neshedyuli yomhla womthengisi onokubakho.

Emva kokuvavanya indlu, ungalibali ukubuza ukuba ngubani kanye kanye umniniyo kwaye ubhalise kwezi zindlu. Apha kwaye ulindele ukuba amatye alandelayo aphantsi kwamanzi, kwimeko yokuthengwa kwendlu ayinguye umniniyo, kodwa kwitrasti yakhe. Ukuthenga ngummeli kunobungozi kakhulu. Ingxaki kukuba umthengisi usenokungabi nakuphikiswa-ngelishwa, phantse akunakwenzeka ukukhangela ubunyani bamandla ombane. Kwenzekayo ukuba igumbi ngokwalo liqeshiselwe ixesha elide kwaye libunjwe ngokungekho semthethweni. Ukufumanisa ukuba ngubani umnini wezindlu, nxibelelana nesebe lendawo yenkonzo yobhaliso lwe-Federal ye-Russian Federation.

Ukuncokola nabanini begumbi, kufumanise ukuba le ndlu igqithile xa isakhiwo asikufanelekanga okanye sakhiwa. Ungajonga olu lwazi kwiCandelo loMlawuli oMangekelo. Kodwa eyona nto ibaluleke kakhulu kukubuza ukuba ngaba abanini bezinto ezenziwe ngokutsha. Eli gama libonisa naluphi na utshintsho olwalubonakaliswa kwisicwangciso se-BTI. Ukuphinda-phinda ngokutsha ngokutsha kwelinye ilitye langaphantsi kwamanzi. Inkqubo yeSivumelwano seSpultiveSfiction lixesha lixesha elifanelekileyo lithatha ixesha kwaye lifuna iindleko ezibonakalayo zemali, kunye nokugcwaliswa komthetho kwezemveliso esele zisenziwa kwakhona, izixhobo kunye nexesha. Ke ngoko, mamela icebiso lethu: ukuzikhusela, qiniseka ukuba ucela abanini-candelo lendlu ekhutshwe kwiZikori loThekhi. Olu xwebhu kufuneka lufumaneke kuphanga ngaphezulu kweenyanga ezi-3 ngaphambi kokuba uhlole (kwaye mhlawumbi uthenge) igumbi. Yenza isicwangciso esinendawo yokuhlala yokwenene, nikela ingqalelo kwindawo yeendonga, ubukho bezixhobo ezongezelelweyo. Ukuba kunzima kuwe, cela uncedo kubahlobo.

Khumbula: Ukutshangwa ngokungahambelaniyo kukukhuthaza kungekuphela nje ngentlawulo. Ngokutsho kwekhonkco eliphezulu (umbutho onoxanduva lokulungelelanisa ukuphakanyiswa ngokutsha), unokunyanzelwa ukuba ungenise indawo kwi-Ofisi yoqobo (ukuba indawo yokuphakamisa yenziwa ngokuphulwa komthetho, ikhitshi idluliselwe kwenye ye amagumbi aphilayo okanye adilize udonga oluphathelele).

Pretch?

Inqanaba elilandelayo ekufuneka uyenzile kukuvumelana ngexabiso lokuthathwa kwendlu. Zilungiselele inyani yokuba umthengisi uza kubiza ixabiso elahlukileyo kwinani elichazwe kwintengiso. Hambani-olu alubawa, kodwa luhlobo oluqhelekileyo.

Kuyenzeka ukuba ucele ukuncitshiswa kweendleko ngenxa yezizathu ezininzi: Indawo engathandekiyo yendlu (ayiyona ndawo ilungileyo, kude, ukude, ukungabikho kweevenkile, izikolo, imfuneko engxamisekileyo Ukulungiswa, ukutshata okungahambelaniyo. Kodwa kubalulekile ukwazi ukuba ixabiso eliphantsi kakhulu yingozi ethile. Okokuqala, kwenzeka ukuba igumbi eliphantsi libhekisa kudidi lwempikiswano-oku kuthetha ukuba kukho impikiswano (umzekelo, kunye nabamelwane abawenza umonakalo). Okwesibini, inqambi yomthengisi esandleni sakhe ingaya enkundleni kwaye ifumane ithuba lokwenyani lokuzibandakanya, ukuba ungqina ukuba ndigqibe kwelokuba ndifumane uxinzelelo kwiimeko ezinzima zobomi (kunye noxinzelelo, izisongelo), Ngelo xesha njengoko ucacisiwe kwimvumelwano, iindleko zincinci kakhulu kunokuba zihlawulwe. Khumbula: Ukungahlali kwaye ngaphandle kwemali, kwaye ngaphandle kwendlu, faka ikhontrakthi ngqo kwimali oyinikayo igumbi, nokuba ungakuqinisekisa njani ukuba uchaze kancinci. Okwesithathu, kunokufumanisa ukuba uthenga izindlu "phantsi kwengubo". Umzekelo, umphambili ophambili womthengisi wakho ngesizathu esithile "ulibele" ukubhalwa kwesalathisi esikhonza isohlwayo esisentolongweni, okanye xa kusenziwa iqabane lakho langaphambili (iqabane) Inxalenye yendawo. Okwesine, ukuba igumbi elithengiweyo lalithengayo kwiqela "leqela elinomngcipheko": umntu olukhuni, umntu okhubazekileyo, nokuba ngumniniyo, nokuba ngumhlali we-narcological. Ewe, ngalo kulu qukethe iziganeko, uya kuvunywa njengomfundi wesazela, kwaye ke umthetho ufanele ube kwicala lakho. Kodwa ulinde inkundla kunye neendleko ezinkulu ezingenakuphepheka, ixesha elilahlekileyo, amava angathandekiyo ... Nangona kunjalo, uthatha isigqibo kuwe, ke ngoko yixabise inkcitho yakho yexesha elizayo.

Kwinqanaba lokurhweba, kuyayimfuneko ukuxoxa ngobungakanani bedipozithi (isixa osinika umthengisi ukuqinisekisa iinjongo zakho zihlala zimalunga namawaka angamawaka angama-30 kunye nexeshana. Ukuqhubela phambili yintlawulo yokuqala; Inxalenye yayo yamaqela ayithetha kwimeko nganye, kodwa, njengommiselo, ubuncinci yi-10% yexabiso eliphambili lendlu kwaye ihlawulwe kwimeko apho umthengi kunye nomthengisi bavuma ukuba bahlule yonke imali amalungu. Oku kufanelekile ukuba umthengisi uthatha ixesha lokuthatha izinto kwindlu okanye ahlawule ezinye izinto ezisemthethweni ezinxulumene nezindlu. Ukulungiselela ukungaphumli umthengi, umthengisi unokukunika ukuba ugqibe kwelokuba athengiswe kwangaphambili (enyanisweni, esi sisivumelwano kwiinjongo) kwaye wenze kwangaphambili. Ukuba ngenxa yesizathu esithile esingayi kwenzeka, intlawulo kwangaphambili kufuneka ibuyiselwe kuwe ngokupheleleyo. Ngokuphathelele idipozithi, konke kuxhomekeke kuthini isivumelwano semvumelwano. Ewe, ukuba uyala ukuthenga indlu, emva koko idipozithi iya kuhlala nomthengisi.

Rhoqo ngengqondo kwixabiso lokuthenga legumbi libandakanya iikhomishini, kwaye iindleko zokuphunyezwa kwentengiselwano, ngaphandle kokwazisa umthengi. Ke ngoko, kwikhontrakthi, yonyule inani lemivuzo (ngcono-inani eliqingqiweyo), kunye nokuchaza umthengi okanye umthengisi-kuthwala iindleko zokuyila intengiselwano.

Ukwenza kunye nediphozithi, kwaye kwangaphambili kufuneka kukhutshwe ngokubhaliweyo. Xa udlulisa zombini, kwaye uqiniseke ukuba uyifumene irisithi yokufumana imali ukuba umthengisi wendlu kufuneka asayine. Ibhaliwe kwiFomu yokuBambisa, kodwa kolu xwebhu kufuneka ichazwe:

Ohambisa imali (incwadana yokundwendwela yomthengi);

Ofumana imali (ipasipoti yomthengisi);

Ukuba le nto idluliselwa yimali-ihlala ibhala kwirisithi: "... njengentlawulo kwangaphambili yendlu";

Idilesi ngqo yendawo yakho yexesha elizayo, onika idiphozithi okanye kwangaphambili, ukuya kuthi ga kwisalathiso somgangatho;

Ezona mpawu ziphambili zendlu (inani lamagumbi, ubume, iMetarah);

Isixa esixelwe ngumthengi kunye nenjongo yawo yinkqubela phambili okanye idipozithi;

Umhla wokuhlawula.

Kuthembela kodwa uqinisekise!

Obona bunzima bakulindeleyo kwinqanaba lokuqinisekisa ukucoceka okusemthethweni kwentengiselwano yexesha elizayo. Okokuqala, kuya kufuneka ujonge imbali yendlu. Ukuba uthatha isigqibo sokungasebenzisi iinkonzo zomsebenzi wegolide, ke umsebenzi wakho unzima. Ukusuka kumthengisi uyakufumana la maxwebhu alandelayo aza kukunceda ufunge imeko yemicimbi yokwenene:

Ipasipoti okanye enye incwadi yesazisi;

Ukwanda kwamaxwebhu endlu (ekhutshwe liSatifikethi soBhaliso soBunini boBhaliso, isivumelwano sokutshintsha okanye umnikelo, isiqinisekiso semvumelwano yelifa kunye namanye amaxwebhu, kuxhomekeke kwinto yobunini bomthengisi busekwe), edlulise ubhaliso lwesigunyaziso. Kumaxwebhu aphela amalungelo akhona kuhlala igama lomninindlu;

Uncedo kwiindleko eziqikelelweyo zezindlu (kumaxabiso e-Inventri) kunye nepasipoti yezobugcisa yegumbi (la maxwebhu akhutshelwe kwi-Inventity ye-Inventrical Uluhlu lweempahla eziza kuqinisekisa ukuba ukuthenga igumbi lesikwere kunye nezodwa ezichaziweyo kwimvumelwano);

Izatifikethi ezivela kwi-ERC kunye nokuhlolwa kwerhafu ekusweleni ityala kwirhafu yokuhlawula kunye ne-Akhawunti yeZindlu (okanye ikopi yeakhawunti yobuqu okanye kwisatifikethi esivela kulawulo lweNdlu);

Imvume yokuqeshwa kunye nemibutho yokulondolozwa kweKhomishini yeZintengiso (ukuba ichaphazela iimfuno ezibhaliswe kwindlu yabantwana)

Isicatshulwa esivela kwiNcwadi yeNdlu ngokumiselweyo (Ibhaliswe) eflethini ngabantu;

imvume kubameli lo umlingane okanye iqabane, izalamane lomthengisi kwezindlu ngenxa ikhomishini yentengiso kunye nokuthengisa (ukuba amaqabane okanye izihlobo indlu co-abanini).

Ewe kunjalo, nokuba uluhlu olude lwamaxwebhu alonelanga ukugqibezela itsheki yentengiselwano. Ungayifaka imvume yomthengisi kunye nokuthatha amandla kwigqwetha kunye neekopi zamaxwebhu afanelekileyo endlu yokuhlala, fumana i-Expeript Book. Uya kukunceda uqiniseke ukuba uyazazi bonke abantu ababhaliswe kule ndlu. Oku kuthetha ukuba emva kokupheliswa kwentengiselwano awuyi kulinda ummangaliso ebusweni babenzi bendawo yokuhlala kwizalamane zangaphambili zomnini wendlu. Ukuze ufumane iziqinisekiso ezongeziweyo, zibandakanya ukuthenga kunye nendawo yokuthengisa kwindawo yomthengisi ukukhulula indawo yokuhlala emva kokugqitywa kwesivumelwano. Chaza ngokucacileyo kwisicatshulwa ukuba emva kokuphelelwa komthengisi osasaziweyo ukuba bahambe, ufumana ilungelo elipheleleyo lokufaka izitshixo zakho kwaye ungasawuvumeli umniniyo kwigumbi, ngoku eseyakho.

Kodwa imigibe efihlakeleyo ihlala ininzi. Umzekelo, umnini-mvimba uvakalisa igunya lobhaliso lukaRhulumente ophulukene nemvumelwano yangaphambili yokuthengisa, kwaye acela ukuqinisekisa ilungelo lakhe lezindlu. Kuba ezi zivumelwano azikho ngokomthetho wezinto eziphindaphindiweyo, kukhutshwe kwirejista yelizwe elinye lamalungelo kwipropathi engashukumiyo kunye nentengiselwano ngayo. Ixesha elingaphezulu, umnini ongcolileyo eflethini unokufumana amaxwebhu aliqela (phantsi kwengcaciso efanayo yokulahleka), aqokelele izivumelwano ezimbalwa zokuthengisa kwakhona, eziqinisekisa ukuba imali eyahlukileyo, uqokelela imali kwaye ubaleke. Ke ngoko, kungcono ukuba umthengisi, njengobungqina belungelo lakhe kwizindlu, bakubonise isivumelwano sakho sokuthengisa amagumbi nomnini wangaphambili. Nangona kunjalo, uya kuba nesizathu sokulumkisa ukuba, endaweni yoko, uya kubonisa ukubhekiswa kwiRegistry ekhankanywe.

Kuya kufuneka ujonge umthengisi wendlu: Kuya kufuneka uqiniseke ngokupheleleyo (oko kukuthi, ayibhaliswanga kugqirha weziyobisi, okanye kwintengiselwano yengqondo), kungenjalo ukuthengiselana kungamkelwa ngokungekho semthethweni. Bukela amaxwebhu akhe, ukuba kunokwenzeka, faka iifoto zakhe kwincwadana yokundwendwela kwaye kwiakhawunti kwidesika yencwadana yokundwendwela, qiniseka ukuba bangaphi abanini bendlu, - bonke kufuneka bavume ukuthengisa ipropathi yabo . Uthandabuza ukuthengiselana okanye faka ikhontrakthi yeinshurensi yesihloko. Iqinisekisa imbuyekezo yelahleko yezemali kwimeko yokuhliswa kwamalungelo epropathi, ukuba inkundla ithathe enye yeentengiselwano kunye nokungasebenzi. Amaxabiso enze i-0.3-2.5% ye-inshurensi ye-inshurensi.

Ukuba uthenga indlu nge-Arhente yeZindlu, ezo nyani ziya kuthatha inxaxheba kwiingxaki. Bayakufumanisa yonke into enokuthintela ukuqukumbela kwentengiselwano okanye isebenzise ubomi bakho emva kokubhaliswa kwemvumelwano yentengiso. Nangona kunjalo, kukho umbuzo obaluleke kakhulu- ngaba oyena mhle uyilo inoxanduva lokucoceka okusemthethweni kwentengiselwano? Awunakho ukunika impendulo engathandekiyo. Nasiphi na ikhontrakthi yethiyori inokupheliswa enkundleni, kuba uqinisekisiwe ngokupheleleyo ukuba isivumelwano siya kugqitywa kwaye yonke into iza kudlula kakuhle, akukho mntu ubenamava aphezulu. Ke ngoko, qaphela: I-Arhente inoxanduva lweempazamo ezenziwe ngabasebenzi bayo ngqo xa usenza ikhontrakthi yokuthengisa, kunye nokwaphula imibophelelo yayo. Lo mthengisi akanakuphendula umthengisi, kodwa ukungabekeki mngcipheko igama lakhe leshishini, iarhente, kunjalo, izama ukujonga umxhasi ngamnye negumbi.

Isivumelwano sibaluleke kakhulu ngemali?

Ukwenzela ukugqiba isivumelwano sokuthengisa, umthengi ufuna ipasipoti kuphela. Ukuba uthenga ukuba igumbi aluhedwa, kodwa kwipropathi esebenzisanayo, uyakufuna imvume ebhaliweyo yawo onke amanani alandelayo ukuba enze intengiselwano.

Isivumelwano sokuyila sinqweneleka ukulungiselela kwangaphambili ukuba uya kuba nexesha lokucacisa amalungiselelo alo kwaye uvumelane nemicimbi yempikiswano. Ukulungiswa kweKontrakthi kufuna izakhono ezithile, ke kungcono ukulingenisa kwiingcali. Imvumelwano ikhutshwa kwiikopi ezintathu ngokubhala, kwaye onke amaphepha ayo athunyelwa ngokuqinisekileyo. Qinisekisa imiqondiso yamaqela. Kungcono ukuqukumbela ikhontrakthi phambi kophawu lwe-nortant: nangona kwikhowudi ye-Russian Federation, indawo yokuthengisa ayinyanzelekanga, le ndlela ilula yendlela iya kunika iziqinisekiso ezongeziweyo.

Ukuthengwa kwendawo yokuhlala kufuneka kuvungulwe:

umhla nendawo yesiphelo;
Isivumelwano sesifundo siyathengiswa;
Idilesi echanekileyo kunye neempawu zendlu (inani lamagumbi, ilungu); Ixabiso lendlu;
Ubungakanani bediphozithi kunye nokuqhubela phambili (ukuba bekuyiyo);
Ixesha lokuthengisa kulo umthengisi ukuba akhulule indawo yokuhlala;
Ngubani ohlawula iindleko ezinxulumene noyilo lwekhontrakthi yentengiso kunye nokuqeshiswa kwebhanki ekhuselekileyo;
Iinkcukacha zencwadana yokundwendwela kunye nokusayina kwamaqela. (Ikhontrakthi kufuneka isayine bonke abanini bendlu yabantu. Imiqondiso yabantwana abaneminyaka eli-14 nangaphezulu abayekanga ishumi kaninzi, baqinisekiswa ngokwasayinwa kubazali babo.)

Ukhuselekile okanye "diplomat"?

Ngoku sijika kwelona nqanaba libalulekileyo lokuqukumbela intengiselwano yemali. Oku kwenzeka rhoqo emva kokuba imvumelwano ityikitywe kwaye umthengi wafumana izitshixo zegumbi. Phakathi kweendlela zokuhambisa imali, i-Palm Championshipry yezabala ukubala nge-bhanki. Ngokwesiqhelo, iiarhente zokwenyani zinyanzelisa ukuba abathengi babo basebenzise iinkonzo zeposi kwaye batshintshele imali ngale ndlela. Umthengi ufezekisa isivumelwano sokuqeshisa seseli ekhuselekileyo ebhankini kwaye ubeka imali kuyo. Phantsi kwemiqathango yemvumelwano, isitshixo seseli yebhanki sisebenza 'njengokutsalwa "kwimali, emva koko emva kokugqitywa kwemvumelwano yentengiso, enomdla (i-versing kunye nomthengi, ithunyelwe kwi-Realtor) ithunyelwe kwi Ibhanki apho zonke izibalo ziqhuba ngakumbi. Imigxobhozo, iqinisekisa ubumfihlo kunye nokhuseleko, umthengisi unokuqinisekisa ukuba imali ikwiseli yayo. Ukwenza oku, kwanele ukuvula isitshixo sokuba umthengi enze ingxelo kuye, ibhanki ikhuselekile. Ukuba intengiselwano iqhekeza, isitshixo somthengisi asinikezelwa, kwaye ke umthengi unokuhlala ethathe igazi lakhe kwiBhanki ekhuselekileyo.

Indlela yesibini yokudlulisela imali-ukubotshisela ngentlawulo engahlawulelwayo yeyona nto ibalulekileyo: akuyimfuneko ukukhangela ubunyani boMthetho oYilwayo (kulo msebenzi ebhankini kuya kufuneka uhlawule). Ukuze umthengisi afumane into ethile ngenxa yakhe, kwanele ukugcwalisa iodolo yentlawulo ebhankini. Kulungele ukwenza oku emva kokutyikitya ikhontrakthi kwaye ubukho bomthengisi: kwaye uya kuqiniseka ukuba isenzo senzeka, kwaye umthengisi uya kuqinisekisa ukuba imali ithunyelwe kwiakhawunti yakhe yebhanki.

Kukho olunye ukhetho "lwe-non-cared" -inghen usebenzisa ileta yetyala okanye kwi-oda yokuqokelelwa. Ngale nto uyilondoloze inani elingana nendleko zendlu. Yifumane ezandleni okanye uguqulele kwiakhawunti yakho yebhanki Umthengisi uya kuba nakho kuphela xa ubonelela ngomqeshwa webhanki oqinisekisiweyo ngemvumelwano engeyiyo eyathengiswayo.

Ukwenzela ukuzikhusela kwiimeko apho umthengisi uphuma engalunganga, kwaye umthengi wabangelwa ngumonakalo wezinto ezibonakalayo, i-arhente yepropathi inyanzelisa uxanduva lwayo. Ukubhekiswa kwinto yokuba lo mbhalo uyi-inshurensi, kufuneka ungeniswe kwindlu yakho yokuthenga kunye nesivumelwano sokuthengisa.

Ngokuthengisa indawo yokuhlala, abaninzi bafuna ukunciphisa isixa serhafu ekufuneka sihlawule, kwaye abafuni ukukhuthaza inyani yokufumana isixa esikhulu sokufumana isixa esikhulu sento (ngokomthetho, iBhanki inyanzelekile ukuba sazise irhafu Ngaphezulu kwamawaka ama-90 amawaka ruble afunyenwe ngendleko zomthengi). Ke ngoko, unokunikwa ukuba ugqithise imali ngemali. Imizuzu yendlela yokudlulisela imali ingaphezulu kunezinto ezilungileyo: Kuyimfuneko ukuzisa inani elikhulu lemali kwaye unyamekele ukuhambisa kwindawo ekhuselekileyo. Ukongeza, umthengisi unokufuna ukuba angayibuyiseli imali, kodwa ujonge ubunyani boMthetho oYilwayo, kwaye oku kuyakufuna izixhobo ezizodwa. Inikezwe bonke ubunzima, asicebisi ukutshintshela imali ngale ndlela. Ukuba akukho nketho, vumelana nomthengisi malunga nokudluliselwa kwemali kumhlaba ongathathi cala nakumangqina. Kule meko, ukwenza irisithi ekufumaneni imali, ungakulibali ukukhankanya ubukho bamaNgqina kwaye uchaze idatha yabo yencwadana yokundwendwela.

Singena kumalungelo

Emva kokupheliswa kwemvumelwano kunye nokudluliselwa kwemali, kuya kufuneka ube sezandleni hayi kuphela izitshixo ezivela kwikhaya elitsha, kodwa kunye neencwadi zokuhlawula iintlawulo zokuhlawula. Kuyimfuneko ukwenza isenzo sokufumana igumbi, apho babonisa khona, kwimeko onayo imali (ngokukodwa, ungakulibali ukukhankanya ubukho okanye ukungabikho kwezinto zabanini bangaphambili). Bambhalela esandleni sefom yasimahla, kodwa basayine amacala omabini (umthengi kunye nomthengisi).

Ikhontrakthi yentengiso kunye nokuthengwa kwepropathi ibhaliswe kwigumbi lokubhalisa kwigumbi lokubhalisa okanye amasebe awo. Ukuthathelwa ingqalelo, isiqinisekiso kunye nesatifikethi senqanaba lomninindlu esitsha kufuneka sihlawule i-ruble i-ruble i-500. Amaxwebhu aqinisekisa ulwazi ukuba uthenge igumbi kwirejista yelizwe elinye kwipropathi engashukumiyo kunye nentengiselwano kunye nentengiselwano malunga neentsuku ezi-1 (kodwa kuya kuthatha iiyure ezi-5 zomsebenzi). Umzuzu we-AO uya kuba ngumnini wendlu epheleleyo.