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Ukuthenga ifulethi emakethe yezakhiwo yakudala. Liqondise ezigabeni zokuthenga okunjalo, okuvumela ukugwema izingibe.

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Uma uthatha isinqumo sokuthenga ifulethi, kufanele ukhethe imali ekwakhiweni kwendlu entsha noma yokuthenga emakethe yesibili. Izimo ezandisiwe zokukhohlisa zabaninimasheya zikhuthaza abathengi abaningi abangahle bakhethe inketho yesibili. Kubo, sinikeza umhlahlandlela ezigabeni zokuthengiselana okunjalo, okuvumela ukugwema amatshe angaphansi komhlaba.

Ngakho-ke, isinqumo senziwa, uthenge ifulethi hhayi esakhiweni esisha, kodwa emakethe yesibili, selivele liqalekisiwe futhi lihlomile. Akungabazeki ukuthi ama-plus akudingeki alinde ukuphela kokwakha futhi aqagele ukuthi indlu izovuswa ngesikhathi. Ngaphezu kwalokho, lapho uthenga efulethini endlini eyakhiwa, kufanele ukwenze cishe izinyanga eziyisithupha ukulindela ukubhaliswa kombuso wobunikazi bawo. Kodwa-ke, umuntu ofuna izindlu zesibili uyadingeka ukuba anake kakhulu. Le ngxenye yemakethe iyanda engcupheni. Nansi inkohliso eyinkimbinkimbi ngokwengeziwe, kunasekuqaleni, futhi isikhathi sokubuya sefulethi yiminyaka emithathu kusukela ngesikhathi sokuthola ngokungemthetho kokuthengiselana. Noma ngubani wabanikazi bakubo bezezindlu angabhikisha ukuthengiselana ngesikhathi esibekiwe (kanye nezizathu zalesi sisindo, kwesinye isikhathi zidalwe ngamabomu). Uma kukhona ukwephulwa komthetho, inkantolo ibuyisa amaqembu esimweni sokuqala. Inani lokukhokhelwa okunqanyuliwe emakethe yezezakhiwo alincane kangako: eMoscow, ngokwesibonelo, cishe ama-3% enani eliphelele lawo. Ukuze ungandise lezi zibalo ezidabukisayo, kufanele ucabange ngazo zonke izenzo zakho.

Khetha ifulethi

Ungaqala kuphi? Vele, ngokufuna ifulethi. Uma ungakhawulelwe endleleni, thintana ne-Real Export agency ochwepheshe abazothatha indawo yokuhlala efanelekile. Itshe lokuqala elingaphansi kwamanzi lilindelwe lapha. Ubudlelwano nenkampani yezezakhiwo kudingeka kukhishwe kubhalwe phansi. Kubaluleke kakhulu embhalweni wenkontileka ukukhombisa wonke amapharamitha efulethini owufunayo: isifunda, uhlobo lwendlu, phansi, indawo, inani lamakamelo. Imininingwane ephelele ephelele i-ejenti yakho izothola, kuzoba lula ukuthola inketho efanelekile.

Uyacelwa uqaphele ukuthi isivumelwano ne-ejensi kufanele sinqume usayizi wemholo kaReator. Ngiyiseluleko esisodwa. Ukuphenduka okukhulu ephuzwini lokuthi i-ejensi izokukhetha okungenani izinketho ezintathu zezindlu ezanelisa izidingo zakho, futhi kungakapheli isikhathi esithile. Esimweni esiphambene, i-realtor kuzofanela ibuyele kuwe kusengaphambili futhi ikhokhe inhlawulo. Vele, lesi simo senkontileka asisho ukuthi ungaba nekhono futhi ungalahlile wonke amafulethi ahlinzekiwe ahlangabezana nezimo zakho. Uma leli gama liphuthelwe yiphutha lakho (ngokwesibonelo, wenqabile izinketho ezinikezwe yi-ejensi ngaphandle kokuchazwa kwezizathu), uzobuyisa ukukhokhwa kusengaphambili kwenani elichithwe i-Realtor ukucinga i-Realtor ukucinga i-Realtor.

Ifulethi lomthengi alikhokhi izintela. Umthengisi uzokhokha intela engenayo - 13% yezindleko zefulethi (ngokuncishiswa kwezinzuzo). Kepha uma indawo yokuhlala othengisayo ingeyami ngaphezu kweminyaka engu-5 noma ibiza ama-ruble angaphansi kwezigidi eziyi-1, ukhululwa ekukhokhweni kwentela. Uma umthengisi ephethwe yifulethi isikhathi esingaphansi kweminyaka emi-5, kuzofanela akhokhe intela ngenani lemali engenayo ekuthengisweni kwezindawo ezithengiswayo eziphezulu.

Ngize ngiyothenga ifulethi nge-ejensi, qala ngokutadisha imakethe. Umuntu onolwazi olunjalo akulula ukuzungeza umunwe ozungeze umunwe - ngemuva kwakho konke, unombono wamanani asemakethe yezindlu, ngakho-ke ukulungele ukukhuluma neRealtor ngolimi olufanayo.

Uma uthatha isinqumo sokuzenza ngokuzimela, ngaphandle kokuguqukela kusizo lwe-Real Ejensi Yezezakhiwo, ucwaningo lwemakethe lumane nje luyadingeka, nansi indlela ozothola ngayo izinketho ezisethayo. Esigabeni esilandelayo, kuzodingeka ukuthi ushayele abanikazi bezintshisekelo abakuthanda, kuzodinga isikhathi namandla.

Lapho nje ukhetha izinketho ezimbalwa ezifanelekayo zamafulethi (noma uzozithola ngokwakho), udinga ukuzijwayeza. Musa ukuqonda isikhathi sokuhlola bese uqaphela ukuthi kaningi kufanele ubheke kabusha ngohlelo losuku lomthengisi ongaba khona.

Ngemuva kokuhlola ifulethi, ungakhohlwa ukubuza impela umnikazi wakhe nokuthi ngubani obhaliswe kulezi zindlu. Lapha futhi ulindele itshe elilandelayo elingaphansi kwamanzi, esimweni sokuthengwa kwefulethi akuwona umnikazi, kodwa ethempelini lakhe. Ukuthengwa ngummeleli kuyingozi enkulu kakhulu. Inkinga ukuthi umthengisi kungenzeka angabi nonqondo - ngeshwa, cishe akunakwenzeka ukubheka ubuqiniso bamandla we-attitust. Kwenzeka okufanayo ukuthi ifulethi ngokwalo liqashelwe isikhathi eside futhi nakubaleki ngokungemthetho. Ukuthola ukuthi ngubani umnikazi weqiniso wezindlu, ukuxhumana negatsha lendawo lenkonzo yokubhalisa yenhlangano ye-Russian Federation.

Ukuxoxa nabanikazi befulethi, thola ukuthi indlu yenza nini futhi nokuthi isakhiwo asikufanele ukudilizwa noma ukwakhiwa kabusha. Ungahlola lolu lwazi ku-UNIEDER CASTEAL Directorate. Kepha into ebaluleke kakhulu ukubuza ukuthi ngabe abanikazi bokwenziwa kabusha benze nini. Leli gama liqoke noma yiziphi izinguquko okufanele ziboniswe ezinhlelweni ze-BTI. Ukuvuselelwa kabusha okungahlangene kungenye itshe elingaphansi kwamanzi. Inqubo Yesivumelwano Sokuvuselela kabusha idla isikhathi eside futhi idinga izindleko ezinkulu zemali, futhi ukuzovuselela ukubhaliswa kabusha kwenziwe kabusha kuthatha amabutho amaningi, amathuluzi nesikhathi. Ngakho-ke, lalela izeluleko zethu: Ukuzivikela, qiniseka ukuthi ubuza abanikazi uhlelo lwefulethi olunikezwe i-Technory Inventory Bureau. Idokhumenti kufanele itholakale ngaphambi kwezinyanga ezi-3 ngaphambi kokuhlola (futhi mhlawumbe uthenge) efulethini. Yenza uhlelo ngesimo sangempela sokuhlala, unake indawo yezindonga, ukuba khona kwemishini eyengeziwe. Uma kunzima kuwe, cela usizo kubangane.

Khumbula: Ukuvuselelwa kabusha okungahambelani kuyakusongela hhayi ngenhlawulo. Ngokusho kwezixhumanisi eziphakeme (inhlangano ebhekele ukuxhumanisa kabusha kweseke kabusha), ungaphoqeleka ukuthi ulethe ifulethi esimweni sokuqala (uma ukwakhiwa kabusha kwenziwa ngokwephula umthetho, ngokwesibonelo, ikhishi lalidluliselwa kwelinye lelo amakamelo okuhlala noma adilize udonga oluthwala).

Pretch?

Isinyathelo esilandelayo okufanele ukwenze ukuvuma ngenani lefulethi elihehayo. Zilungiselele iqiniso lokuthi umthengisi uzobiza intengo ehlukaniswe ngenani elichazwe kwisikhangiso. Ukuhamba - Lokhu akuyona ukuhaha, kepha umqondo ojwayelekile.

Kungenzeka ucele ukuncishiswa kwezindleko eziningana: indawo engathandeki efulethini (hhayi indawo enhle, ukuntuleka okuvela esitimeleni, ukuntuleka kwezitolo, izitolo, izikole, izitolo ukulungiswa, ukwakhiwa kabusha okungahambisani. Kepha kubalulekile ukwazi ukuthi intengo ephansi kakhulu iyingozi ethile. Okokuqala, kwenzeka ukuthi efulethini elishibhile libhekisele esigabeni sempikiswano - lokhu kusho ukuthi kunengxabano yokwahlulela (ngokwesibonelo, nomakhelwane obangele ukulimala). Okwesibili, umdayisi elingcolile esandleni sakhe angaya enkantolo futhi uthole ithuba ngempela akubophisele izindlu, uma ufakazele ukuthi ngokuthi kuthengiselana signedly disadvantageous ecindezelwa izimo zokuphila eziyinkimbinkimbi (kanye nokucindezeleka, ukudakwa, izinsongo), Ngaleso sikhathi njengoba ucacisile kwinkontileka, izindleko ziphansi kakhulu kunalokho okukhokhwa. Khumbula: ukungahlali futhi ngaphandle kwemali, futhi ngaphandle kwezindlu, faka inkontileka ngqo inani olinikezayo, noma ngabe ukuncenga kanjani ukuthi uhlose okuncane. Okwesithathu, kungathola ukuthi uthenge izindlu "ngaphansi kwe-enconbrance". Isibonelo, owandulelwa umthengisi wakho ngesizathu esithile esithi "Ukhohlwe" ukubhala efulethini lesihlobo esikhonza isijeziso esingamabomu, noma lapho izindlu zangasese zingafaki izingane ezincane, noma zibe ngumlingani wakhe ingxenye yendawo. Okwesine, uma ifulethi elithengiwe lake lathengwa kummeleli 'weqembu lobungozi': umuntu osekhulile, umuntu okhubazekile, noma umnikazi, emndenini wabantu abhaliswe kwi-PstessenOlorological noma yeNarcological Depensary. Vele, nalokhu kuthuthukiswa kwemicimbi, uzokwamukelwa njengononya ononembeza, ngakho-ke umthetho kufanele ube ngasohlangothini lwakho. Kepha ulinde inkantolo naye nezindleko ezinkulu ezingenakugwenywa, isikhathi esilahlekile, okuhlangenwe nakho okungathandeki ... Kodwa-ke, uyakuthatha isinqumo sokusebenzisa kwakho imali okuzayo.

Esigabeni sokuhweba, kuyadingeka futhi ukuxoxa ngosayizi wediphozithi (inani olinikeza umthengisi ukuze aqinisekise ukuthi izinhloso zakho zivame ukuba ngama-ruble ayizinkulungwane ezingama-30) kanye kusengaphambili. I-Advance iyinkokhelo yokuqala; Ingxenye yayo yamaqembu ithi esimweni ngasinye esithile, kepha, njengomthetho, okungenani u-10% wezindleko eziphambili zefulethi futhi ukhokhelwa uma umthengi nomthengisi bayavuma ukuhlukanisa lonke inani lababili izingxenye. Lokhu kulula uma umthengisi ethatha isikhathi sokuthatha izinto efulethini noma axazulule ezinye izinto ezingokomthetho ezihlotshaniswa nezindlu. Ukuze ungalahlekelwa umthengi, umthengisi angakunikeza ukuthi uphetha inkontileka yokuqala yokuthengisa (eqinisweni, lesi isivumelwano ngezinhloso) nokwenza phambili. Uma ngasizathu simbe ukuthengiselana ngeke kwenzeke, inkokhelo yangaphambi kwesikhathi kufanele ibuyiselwe kuwe ngokugcwele. Ngokuqondene nediphozithi, konke kuncike ekutheni kubekwa naziphi izivumelwano. Yebo, uma wenqaba ukuthenga ifulethi, khona-ke idiphozi izohlala nomthengisi.

Imvamisa ama-realtors entengo yokuthenga efulethini afaka amakhomishini awo, kanye nezindleko zokwenza umsebenzi, ngaphandle kokwazisa umthengi. Ngakho-ke, kwinkontileka, qamba inani lembuyiselo (kangcono - inani elilungisiwe), futhi licacisa umthengi noma umthengisi - uphethe izindleko zokuqamba okwenziwayo.

Ukwenza kanye nediphozithi, futhi kusengaphambili kufanele kukhishwe ngokubhala. Lapho udlulisela kokubili, futhi uqiniseke ukuthi wenza irisidi ukuthola imali umthengisi ofulethi okufanele asayine. Kubhalwe ngendlela yokuphikisana, kepha kulo mbhalo kufanele kuchazwe:

• Odlulisa imali (ipasipoti yomthengi);
• Othola imali (ipasipoti yomthengisi);
• Kudluliselwa ngasiphi isisekelo imali - imvamisa babhala erefisini: "... njengokukhokhelwa kusengaphambili efulethini";
• Ikheli eliqondile lezezindlu zakho zesikhathi esizayo, lapho unikeza khona idiphozithi noma ukuthuthuka, kuze kube yinkomba yephansi;
• Izici eziyinhloko zefulethi (inani lamakamelo, ukwakheka, metrah);
• Inani elibikwe ngumthengi futhi inhloso yalo kungukufika kwangaphambili noma idiphozi;
• Usuku lokukhokha.

Themba kepha qinisekisa!

Ubunzima obukhulu balindele wena esiteji sokuqinisekisa ubumsulwa obusemthethweni bokuthengiselana okuzayo. Okokuqala, kufanele uhlole umlando wefulethi. Uma uthatha isinqumo sokungasebenzisi izinsizakalo ze-realtor, khona-ke umsebenzi wakho uyinkimbinkimbi. Kusuka kumthengisi uzothola le mibhalo elandelayo ezokusiza ekutholeni isimo sangempela sezinto:

• ipasipoti noma omunye umazisi;
• Ukunwebeka amadokhumenti efulethini (kukhishwe yisitifiketi sokubhaliswa kobunikazi, isivumelwano sokushintshana, inkontileka yokuthengisa nomnikazi wangaphambilini, kuncike kulokho ubunikazi bomthengisi abasungulwa), okudlule ukubhaliswa kwesimo okuphoqelekile. Emibhalo ephethayo ehlala kuhlala njalo igama lomnikazi wezindlu;
• Usizo ngezindleko ezilinganiselwe zezindlu (kumanani entengo yokusungula) kanye nepasipoti yezobuchwepheshe efulethini (le mibhalo ekhishwe kwi-Technory Inventory Bureau izoqinisekisa ukuthi uthenge ifulethi lesikwele kanye nezakhiwo ezichazwe kwinkontileka);
• Izitifiketi ezivela ku-erc kanye nokuhlolisisa intela ekusweleni kwesikweletu ekukhokheni ukusetshenziswa kwemali kanye nentela yezezakhiwo (noma ikhophi ye-akhawunti yomuntu siqu noma isitifiketi esivela kubaphathi bendlu);
• Imvume yemizimba yokugada kanye nokugada kweKhomishini Yokuthengisa Okuthengiswayo (uma ithinta izintshisekelo ezibhaliswe efulethini lezingane)
;
• okukhishwe encwadini yendlu ebekiwe (ebhalisiwe) efulethini labantu;
• Imvume ethembekile yomlingani noma womlingani, izihlobo zomthengisi wezindlu zeKhomishini Yokuthengisa nokuthengisa (uma umlingani noma izihlobo noma abahlangane befulethi).

Vele, ngisho nalolu hlu olude lwamadokhumenti akwanele ukuqeda isheke lokuthenga. Ungafaka imvume yomthengisi futhi uthathe amandla ommeli kanye namakhophi amadokhumenti akhomba amanga efulethini, uthole ukukhishwa okunwetshiwe kwiNcwadi Yendlu. Uzokusiza ukuthi uqiniseke ukuthi uyazi bonke abantu ababhaliswe kuleli gulu. Lokhu kusho ukuthi ngemuva kokuphela kokuphela kokuthengiselana ngeke ulinde ukumangala lapho ubhekene nabafakizicelo bendawo yokuhlala phakathi kwezihlobo zomnikazi wefulethi. Ukuze uthole iziqinisekiso ezengeziwe, faka iphuzu lokuthenga kanye nokuthengisa emkhawulweni womthengisi ukukhipha izakhiwo zokuhlala ngemuva kokuphela kwesivumelwano. Cacisa ngokucacile embhalweni wokuthi ngemuva kokuphela kokuthengisa okusatshalaliswa ukuhambisa, uthola ilungelo eliphelele lokushumeka okhiye bakho futhi akusekho ukuvumela umnikazi wangaphambili efulethini, manje.

Kepha izingibe ezifihliwe zisalokhu ziningi. Isibonelo, umnikazi-umqhudelwano umemezela igunya lokubhalisa uMbuso alahlekelwe yinkontileka edlule yokuthengisa, futhi acela ukuqinisekisa ilungelo lakhe lokuhlala. Njengoba lezo zinkontileka zingekho ngokomthetho wokuphindaphinda, kukhishwa kukhishwe kwirejista eyodwa yombuso wamalungelo empahleni engashukumi yempahla nokuthengiselana ngayo. Ngokuhamba kwesikhathi, umnikazi ongcolile walefulethi angathola amadokhumenti ambalwa ambalwa (ngaphansi kokungazethembi okufanayo), aphetha izinkontileka ezimbalwa zokuthengisa futhi, azihlose ngamahhovisi ahlukene okuzalwa, aqoqe imali futhi abalekele. Ngakho-ke, kungcono ukuthi umthengisi, njengobufakazi belungelo lakhe lokuhlala, bakukhombise inkontileka yakho ekuthengisweni kwezindlu nomnikazi wangaphambilini. Kodwa-ke, uzoba nesizathu sokuqwashisa ukuthi, esikhundleni salokho uzobonisa inkomba eshiwo.

Udinga ukubheka kakhulu umthengisi wefulethi: Udinga ukuqiniseka ukuthi inekhono ngokuphelele (okungukuthi, ayibhaliswanga kudokotela wezidakamizwa, noma e-psychourological dispensary), uma kungenjalo ukuthengiselana kungabonakala okungekho emthethweni. Bukela amadokhumenti akhe, uma kungenzeka, beka izithombe zakhe kuphasiphothi kanye ne-akhawunti edeskini lePasipoti, qiniseka ukuthi bangabanikazi ... - Bonke bavumile ukuthi bangabanikazi abasefulethini . Akungabazeki ukuthi ukuthengiselana noma faka inkontileka yomshuwalense wesihloko. Iqinisekisa ukubuyiselwa kwemali yokulahleka kwemali uma kwenzeka kuncishwa amalungelo empahla, uma inkantolo ibona enye yezinto zokuthengiselana nayo ayisebenzi. Amanani enza u-0.3-2.5% we-sum emshuwalense.

Uma uthenga ifulethi nge-ejensi yezezakhiwo, ama-realtors azothatha ingxenye yezinkinga. Bazothola konke okungavimba isiphetho sokuthengiselana noma ukuhlanganisa impilo yakho ngemuva kokubhaliswa kwenkontileka yokuthengisa. Noma kunjalo, kunombuzo obaluleke kakhulu - Ngabe iRealtor izoba nesibopho sokuhlanzeka okusemthethweni kokuthengiselana? Awukwazi ukunikeza impendulo engathandeki. Noma iyiphi inkontileka ye-Theory inganqanyulwa enkantolo, ngoba iqinisekiswa ngokuphelele ukuthi isivumelwano sizophethwa futhi konke kuzodlula kahle, akekho noyedwa oya ethengiswayo, ngisho nolwazi kakhulu. Ngakho-ke, qaphela: I-ejensi ibhekele amaphutha enziwe ngabasebenzi bayo ngqo lapho benza inkontileka yokuthengisa, kanye nokuphula izibopho zayo. I-realtor ayikwazi ukuphendula umthengisi, kepha hhayi ukubeka engcupheni idumela lebhizinisi lakhe, i-ejensi, vele, izama ukubheka iklayenti ngalinye nefulethi elibanikele kubo.

Lesi sivumelwano sibaluleke kakhulu ngemali?

Ukuze uphethe isivumelwano sokuthengisa, umthengi udinga ipasipoti kuphela. Uma uthenga ifulethi awedwa, kepha impahla yokusebenzisana, uzodinga imvume ebhaliwe yabo bonke abanikazi besikhathi esizayo ukwenza ukuthengiselana.

Isivumelwano esisalungiswa siyathandeka ukulungiselela kusengaphambili uzoba nesikhathi sokucacisa amalungiselelo aso futhi uvumelana nezinkinga eziphikisanayo. Ukulungiswa kwenkontileka kudinga amakhono athile, ngakho-ke kungcono ukukuphathisa ochwepheshe. Inkontileka ikhishwa ngamakhophi amathathu ngokubhala okulula, futhi wonke amashidi awo nakanjani athuke. Qinisekisa amasiginesha amaqembu. Kuhle ukuphetha inkontileka phambi kommeli we-notary: yize kwi-Civil Code of the Russian Federation, Ukuhlukaniswa Kwezinkontileka Zokuthengisa akubophezeli, lokhu okulula ngokomthetho kuzonikeza iziqinisekiso ezengeziwe zokuphepha kokuphepha kwakho.

Ukuthengwa kokuhlala kumele kubonise:

• usuku nendawo esiphethweni salo;
• inkontileka yesihloko iyathengiswa;
• Ikheli elinembile nezimpawu zefulethi (inani lamakamelo, ilungu); izindleko zefulethi;
• Usayizi wediphozithi futhi uthuthuke (uma bekungu);
• Isikhathi lapho umthengisi enza khona ukukhulula isikhala sokuphila;
• Okhokha izindleko ezihambisana nokwakhiwa kwenkontileka yokuthengisa nokuqashwa kwebhange kuphephile;
• Imininingwane yepasipoti kanye namasiginesha amaqembu. (Isivumelwano kufanele sisayine bonke abanikazi abadala befulethi. Izimpawu zezingane ezivela eminyakeni eyi-14 nangaphezulu ezingakafiki iminyaka eminingi, ziqinisekiswe amasiginesha abazali babo.)

Kuphephile noma "Prisoman"?

Manje siphendukela esigabeni esibaluleke kakhulu sokuthengiselana kwemali. Lokhu kuvame ukwenzeka ngemuva kokuthi inkontileka isayiniwe kanti umthengi uthole okhiye befulethini. Phakathi kwezindlela zokudlulisa imali, umqhudelwano wesundu ungowokubalwa ngeseli yasebhange. Imvamisa, ama-ejensi e-realtor agcizelela ukuthi amakhasimende abo asebenzise izinsizakalo zokwendawo okususwayo futhi adlulisele imali ngale ndlela. Umthengi uphetha isivumelwano sokuqasha esitokisini esiphephile ebhange futhi sibeka imali kuyo. Ngaphansi kwemibandela yenkontileka, ukhiye weseli lasebhange usebenza njenge- "ukweqa" imali, ngakho-ke ngemuva kokuphela kwesivumelwano senkontileka yokuthengisa, amaqembu anentshisekelo (umthengisi kanye nomthengi, evame ukuhambisana neRealtor) athunyelwa ku ibhange lapho kwenzeka khona ukubalwa okwengeziwe. Amaxhaphozi, okuqinisekisa ubumfihlo nokuvikeleka, umthengisi angaqiniseka ukuthi imali isengqamukweni yayo ngempela. Ukuze wenze lokhu, kwanele ukuvula ukhiye obika umthengi kuye, ephephile ephephile. Uma ukuthengiselana kuphuka, ukhiye kumthengisi awunikezwa, ngakho-ke umthengi angahlala acosha igazi lakhe ebhange ephephile.

Indlela yesibili yokudlulisa imali - Yidlulise ngokukhokha okungeyona imali yiyona efanelekile kunazo zonke: akudingekile ukubheka ubuqiniso benkokhelo (kulo msebenzi osebhange kuzodingeka akhokhe). Ukuze umthengisi amukele okwenzelwe yena, kwanele ukugcwalisa i-oda elifanele lokukhokha ebhange. Kuyinto elula kakhulu ukwenza lokhu ngemuva kokusayina inkontileka kanye nokuba khona komthengisi: futhi uzoqiniseka ukuthi isivumelwano senzeka, futhi umthengisi uzoqinisekisa ukuthi imali yathunyelwa kwi-akhawunti yakhe yasebhange.

Kukhona enye inketho "okungeyona imali" - ukubalwa kwasebhange kusetshenziswa incwadi yesikweletu noma i-oda lokuqoqa. Ukuze uthole lokhu ugcine inani elilingana nezindleko zefulethi. Thola ezandleni noma ukuhumushela kwi-akhawunti yakho yasebhange umthengisi uzokwazi kuphela uma kuveza isisebenzi sasebhange esiqinisekiswe inkontileka engeyona eyamagama.

Ukuze bazivikele ezimweni lapho umthengisi avele khona angafanele, futhi umthengi wabangelwa ukulimala kwezinto ezibonakalayo, i-ejensi yezezakhiwo ifaka umthwalo wayo. Ukubhekiswa eqinisweni lokuthi i-Realtor inomshuwalense, kufanele ifakwe empeleni esivumelwaneni sakho sokuthenga esisefulethini nasekuthengisweni.

Ngokuthengisa efulethini, abaningi bafuna ukunciphisa inani lentela okufanele balikhokhe, futhi abafuni ukukhuthaza iqiniso lokuthola inani elikhulu kangaka (ngokomthetho, ibhange liphoqelekile ukubazisa abahloli bentela ukuthi Ama-ruble angaphezu kwezinkulungwane ezingama-90 atholwe ngokulahlekelwa yikhasimende). Ngakho-ke, ungahle unikelwe ukudlulisa imali ngokheshi. Amaminithi ale ndlela yokudlulisa imali ingaphezu kwama-pros: kuyadingeka ukuletha imali enkulu futhi unakekele ukuwahambisa endaweni ephephile. Ngaphezu kwalokho, umthengisi angahle angafuni ukuphinda abuyise imali kuphela, kepha futhi ahlole ubuqiniso benkokhelo, futhi kulokhu uzodinga imishini ekhethekile. Sinikezwe bonke ubunzima, asincomi ukudlulisa imali ngale ndlela. Uma kungekho enye indlela, avumelana nomthengisi ngokudluliselwa kwemali ensimini engathathi hlangothi noFakazi. Kulokhu, ukwenza irisidi lapho sekutholwe imali, ungakhohlwa ukusho ubukhona bofakazi futhi ucacisa idatha yabo yepasipoti.

Singena emalungelweni

Ngemuva kokuphela kwesivumelwano kanye nokudluliselwa kwemali, kufanele ube sezandleni zakho hhayi kuphela okhiye obuvela ekhaya elisha, kodwa futhi nezincwadi zokukhokha zezinkokhelo zosizo. Kuyadingeka ukwenza isenzo sokuthola ifulethi, lapho bekhombisa khona, kuliphi isimo ositholayo izindlu (ikakhulukazi, ungakhohlwa ukusho ubukhona noma ukungabikho kwezinto zabanikazi ezedlule). Bambhalela esandleni ngesimo samahhala, kepha babhalisa zombili izinhlangothi (umthengi nomthengisi).

Inkontileka yokuthengisa nokuthengwa kwezindawo ezithengiswayo yimpoqo ebhaliswe egumbini lokubhalisa noma amagatsha alo. Ukuqashelwa, ukuqinisekiswa kanye nesitifiketi sesimo somnikazi omusha wezindlu kufanele kukhokhe ama-ruble angama-500. Imibhalo eqinisekisa imininingwane oyithengile efulethini kwirejista eyodwa yamalungelo empahleni engashukumi yempahla nokuthengiselana okuzodingeka ikulungele cishe izinyanga ezi-1, kepha kuzothatha izinsuku ezi-5 kuphela). Ato moment uzoba ngumnikazi wefulethi eligcwele.