Okubolekwa efulethini lokubolekwa kwemali nokuthi ungakwenza kanjani

Sitshela okubandakanya imali ebanjiswayo, kuphi nokuthi ungayihlela kanjani nokuthi izogcinwa kuphi.

Imali mboleko efulethini kwimpahla ebanjiswayo - Kuyini? Lo mbhalo uyisiqinisekiso sebhange (i-MortGagee) uma umuntu othathe imali mboleko yezindlu ngeke afeze izibopho zakhe futhi akhokhe iminikelo ngaphansi kwesiphetho. Lokhu akusebenzi kuphela kubafokelayo abanonya. Izidingo eziphakeme zivezwa kumuntu obolekayo (ukufa), kepha zingalahlekelwa ngumsebenzi, imali yayo izokwehla, futhi ukusetshenziswa kwemali engalindelekile kuzokwephula zonke izinhlelo zakhe. Abantu abazongenela ukhetho abakhona. Ngakho-ke, izinhlangano zidinga izizathu zokubuyisa impahla ekhishwe. Imibandela yesivumelwano ihlukile.

Konke mayelana nemalimboleko yempahla ebanjiswayo

Okuqukethwe kwedokhumenti

Amalungelo nezibopho zamaqembu

• Qondisa
• Ukuthengiswa okuyingxenye
• Iphepha eliphakeme

Ukurejistwa

Ukukwazi ukuhlolwa

Inkomba kanye nedatha yokuhlela kabusha

Inkokhelo

Mukisa

"Umshuwalense" onjalo unikezwa nezinye izinhlobo zezindawo ezithengiswayo, njengezindlu zangasese, umhlaba, izakhiwo zezimboni. Prakthiza isebenza ezintweni zemakethe eyinhloko neyesibili, ezakhiweni ezintsha nasezindlini ezindala. Into kungenzeka ukuthi ingathi ikude - ibanga lendima alidlali.

Okuqukethwe kwedokhumenti

Emthethweni wobumbano kunezidingo eziningi zokuqukethwe. Imininingwane elandelayo kumele ihanjelwe.

• Igama ledokhumenti nenombolo ngoba kungukukhonjwa. Imvamisa kufakwa ekhanda phezulu kweshidi.
• Imininingwane yenhlangano ekhipha imalimboleko.
• Idatha yomuntu siqu - I-Fio yomkhokhi, usuku lokuzalwa, usuku lokuzalwa, uchungechunge nenombolo yepasipoti, usuku nendawo yokukhishwa kwayo.
• Imininingwane mayelana nenkontileka iyinombolo yayo, usuku lokusayina, izimo. Lokhu kufaka phakathi inani elikhishwe, imigomo yezinkokhelo, usayizi kanye nenani lenzalo.
• Idatha yezezakhiwo kungukuhlola kwayo, ikheli, inombolo yepasipoti ye-cadastral, imininingwane evela ku-Egrn Extract noma isitifiketi kanye nokubhaliswa kwamalungelo empahla yempahla.
• Amasiginesha ommeleli wenhlangano yesikweletu kanye nombolekisi.

Ukubukeka akulawulwa. Leli phepha libukeka lihlukile ngisho esikhungweni esifanayo. Ngabe imali ebanjiswa ngayo efulethini ibukeka kanjani, ibhange lithatha isinqumo. Naphezu kwenkululeko eqondile ekwakhiweni kwayo, yimalimboleko ethandwayo inikezwe uma imininingwane echazwe kuyo iphikisana namanye amaphepha.

Amalungelo nezibopho zamaqembu ngaphansi kwenkontileka

Amaqembu kumele afeze zonke izidingo ngaphansi kwenkontileka. Ngesiphetho sawo, kuxoxiswana ngezimo ezikhethekile uma ukubulawa kwabo kungaphikisani nomthetho.

Amalungelo e-pledger

Amalungelo emalimboleko abanzi kakhulu. Eqinisweni, ungumnikazi wezakhiwo ezithengiswayo lapho ekhokha umnikelo wokugcina. Uma izimo zephulwa ngumbolekisi, unelungelo lokuthola into. Noma kungekho ukwephulwa, inhlangano yezezimali ingayisebenzisa kabusha noma yenza esinye isenzo. Kungenzeka ukuvikela lokhu kuphela ngesivumelwano uma kuqukethe izimo ezingavumeli umcebo onjalo. Ngokomthetho, umuntu othathe imali mboleko kufanele aziswe ngezixazululo ezinjalo ngokubhala, nge-imeyili noma ngezinye izindlela.

Umthetho wePledgee

I-Pledgee inelungelo lokufeza imisebenzi elandelayo yempahla.

Amalungelo abuyiselwe

Okwe-Payer, isixazululo esinjalo asinawo imiphumela - imininingwane kuphela iguqulwa ekukhokheni okulandelayo. Kwesinye isikhathi kunobunzima bokuqhuba eminye imisebenzi, ngoba umnikazi omusha we-copyright wenqaba ukuyenza. Isisekelo ukuthi akukhona ukuthi waphetha isivumelwano, futhi aweneli ngazo zonke izimo. Ngokusho komthetho wamanje, umnikazi omusha akanalo ilungelo lokushintsha lezi zimo. Uma kuphakama lezo zinkinga - lesi yisizathu sokuya enkantolo.

Kungenzeka futhi ukushintshanisa, lapho amabhange ashintshana ngokushintshana ngokubumbana. Imvamisa, ukuhlinzwa kwenziwa ngomkhawulo uma izindleko zezinto zihlukile. Inhloso kulokhu ukuthola okukhokhwayo.

Ukuthengiswa okuyingxenye

Le nhlangano yenza lo msebenzi wesizukulwane esisodwa. Ithengisa ingxenye yemalimboleko kwelinye ibhange futhi ihumushele kuye ezinye zezinkokhelo ezithola imalimboleko. Imali enjalo yenziwa ngaphandle kokubamba iqhaza kombolekisi. Izicelo azihlali ziguquka ngaso sonke isikhathi, kepha kuphela ngokuvunywa kwamaqembu. Izinguquko zenzeka esikhathini esithile noma ukukhokha okugcwele.

Ukubhaliswa Kwezokuphepha Emission

Lezi yizomthetho zivumela ukuhlukanisa inani lesivumelwano sezingxenye eziningana ngokuthengisa, ukwaba noma ukwenza eminye imisebenzi. Umthengi angaba yizomthetho kuphela, kodwa futhi nomuntu ozimele.

Ungayibanjiswa kanjani imali efulethini lokubolekwa kwemali

Ukubhalisa kwenzeka lapho kusayina isivumelwano. Kuzothatha ukukhokha umsebenzi wombuso ekubhalisweni kwamalungelo empahla. Okomuntu, inani lizofinyelela kuma-ruble angama-2 000, enhlanganweni - ama-ruble angama-220,000. Iphepha ligcwalisa umphathi, iklayenti libeka isiginesha.

Iphakethe elijwayelekile lemibhalo

• Iphasiphothi yesakhamuzi saseRussia Federation ngokubhalisa
• Ukutholwa kokukhokhwa komsebenzi wombuso
• Ukunwebeka amadokhumenti - okukhishwe kusuka ku-egrn noma isitifiketi sobunikazi
• Isenzo sokwamukelwa nokudluliselwa kwezakhiwo ezintsha
• I-Cadastral Passport
• Amakhophi oHlelo Lwesisekelo lweBTI
• Isivumelwano sokuthengisa kanye nomshuwalense wempahla
• Ukuhlolwa kwezezakhiwo okwenziwe nguchwepheshe ngentengo ephakathi yemakethe
• Ubufakazi bomshado (ngomshado).

Iphakethe likhonzwa eRosreestr eminyangweni endaweni yokuhlala noma kunoma yikuphi okunye. I-Rosreestr izonikeza ibhange imalimboleko eshumekiwe, futhi iklayenti layo likhipha kusuka ebhukwini lapho kuzokhonjiswa khona i-enconbrance lapho. Ukulinda kuzofanela kusuka ezinsukwini ezithile kuya kwezinhlanu zebhizinisi. Ibhange liphoqelekile ukukhipha okuphindwe kabili kwikhasimende lakhe. Okuqala kufanele kugcinwe ngumnikazi we-copyright. Insizakalo imahhala.

Ungaxhumana ne-MFC. Kulokhu, isikhathi sokulinda sizosukela ezinsukwini eziyisikhombisa kuya kweziyishumi zomsebenzi.

Ukusuka ehlobo lika-2018, kungenzeka ukuthi kukhishwe iphepha kwiwebhusayithi yeRosreestra ngokugcwalisa ifomu elikhethekile. Isebenzisa amasiginesha kagesi amaqembu.

Ungahlola kanjani ifulethi lezezimali

Lokhu kungenye yemibhalo edingekayo ukubhaliswa. Ikhishwa ngochwepheshe ngemuva kokuhlolwa kwento. Njengama-appraisers, izinhlangano noma ngochwepheshe abanelayisense elifanele. Benza ngaphansi kwenkontileka.

Imibhalo Edingekayo

• Iphasiphothi YoBorrower
• Imibhalo Yezinhloso
• I-TRIPPORTITT, I-Cadastral Passport, kanye nohlelo lwaphansi lwe-BTI.

Ngokusekelwe kulolu hlu nokuhlolwa kwento, umbiko ushiywe.

Umbiko Wokuhlola

• Indlela ejwayelekile, kanye namapharamitha wendawo yokuhlala nengeyona indawo yokuhlala. Ukuphakama kophahla kuyaqoshwa.
• Imininingwane ngama-balconies kanye nama-loggiams - Ibonisa inombolo yabo, imitha, isimo sobuchwepheshe, ukuba khona kokukhazimulayo.
• Imininingwane ngamawindi - usayizi wabo, isimo, kanye nokuthi kungenzeka ukuthi uguqule indawo yawo ngesikhathi sokuvuselelwa kabusha. Akubalulekile ukuthi umbono ovula amafasitela.
• Isimo nendawo nendawo yezokuxhumana namanethiwekhi wobunjiniyela. Umbiko kufanele ube imininingwane yokuthi ukuphelelwa yikhulu kwakwenziwa nini ukuthi ngabe kunesidingo manje.
• Umehluko ngohlelo lwe-BTI Floor. Idatha ekuhlelweni kabusha kanye nokwakhiwa kabusha kwenziwa.

Umbiko ukhombisa imininingwane esakhiweni lapho ifulethi lutholakala khona: Unyaka wokwakha, phansi, inani lokungena, impahla eyakhelwa kuzo, isimo sodonga, i-scliphang, i-facade kanye nokungena, isidingo sokusebenzisa ngokweqile.

Lapho ukuhlolwa nokuhlaziywa, itafula liyakhiwa ngesimo sobuchwepheshe sokwakhiwa okuqukethe idatha ezicini ezingamukeleki okufanele ziqedwe ngokuphuthumayo. Kukhonjisiwe kanye nesidingo sokuphelelwa ngokweqile. Uma indlu ibhekisela esigabeni se-salidated and ephuthumayo, nayo ilungisiwe.

Lo mbiko ukhombisa imininingwane ngendawo nendawo lapho indlu itholakala khona:

• Ibanga kusuka esitimeleni, izithuthi zomphakathi ziyeka.
• Indawo yemigwaqo emincane nemigwaqo emikhulu emikhulu, umthwalo wabo. Lapho kukhona ama-traffic jams, intengo ingawa.
• Amathuba okungena kumnikazi wemoto yawo.
• Inani elijwayelekile lezezakhiwo endaweni.
• Ingqalasizinda - ukutholasha kanye nokuvuselelwa kwezitolo, izikhungo, izikole, ama-Kindergartens, amapaki, njll.
• Idatha ejwayelekile yendawo eseduze - ukunakwa okukhethekile kukhokhwa egcekeni, i-driveway, izindawo zokudlala.

Ukudutshulwa kombala kunamathiselwe kulo mbiko.

Isikolo sithatha kusuka ezinsukwini ezithile kuya kwezintathu. Kuyafaneleka insizakalo esejwayelekile kusuka kuma-ruble angama-2 000 kuye kwangama-5,000. Intengo incike ekunkingeni komsebenzi nendawo yesakhiwo.

Kungenzeka yini ukwenza kabusha kanye nokuhlelwa kabusha

Kungavimbela ukwakhiwa kabusha kwefulethi ukuklama imali ebanjiswayo? Okokuqala, kuya ngokuthi kungenzeka yini okwenziwe ngokusemthethweni. Ukuhlelwa kabusha okungekho emthethweni kungavimbela, ngaphezu kwalokho, ngokungathi sína. Ngaphezu kwalokho, kulokhu, indawo yokuhlala ingalahleka. Uma ukwakhiwa kabusha sekuzobanjwa kuphela, imvume yebhange iyadingeka. Ukuthola ukuthi ngabe kunethuba elinjalo, udinga ukutadisha inkontileka. Kungenzeka ukuthi kufaka phakathi into eyenqabela izehlakalo ezinjalo. Akunakwenzeka ukukhansela ezimweni eziningi. Uma kungekho into enjalo kunethuba lokuthola imvume. Imvamisa kunikezwa uma kungaphezulu kwengxenye yonyaka kudlule selokhu kwasayinwa kwesivumelwano kanti obolekayo akanakho ukukhokha okweqile kanye nokunye ukwephulwa.

Inhlangano, inikeza imvume, ithatha engcupheni ethile. Lapho wenza imisebenzi yokulungisa nezobuchwepheshe, noma yini ingenzeka. Akuthina kuphela esimweni sezakhiwo kanye nezokuxhumana, kodwa futhi nasezikhwameni zabasebenzi. Isici somuntu sidlala indima enkulu. Ngisho nochwepheshe onolwazi uyakwazi ukuvumela iphutha elikhulu, elizoholela ekusetshenzisweni kwemali okukhulu. Ukunxephezela ukulahleka okungenzeka, amabhange athatha ikhomishini lapho enza isixazululo esihle. Inani lingama-ruble acishe abe ngu-5,000.

Ukuvuma, kufanele uqale uxhumane nomkhankaso womshuwalense. Njengoba sesithole impendulo eqondile kuye, kufanele ithunyelwe kwi-PledGee kanye nesimemezelo sokuvuselelwa kabusha noma ukuhlela kabusha.

Ukuthola imvume, kuzofanele unikeze amadokhumenti wephrojekthi adingekayo ukuvumela ekuhlolweni kwezindlu noma eminye imizimba ebhekene nalolu daba.

Inkomba ibhekwa njengezinguquko ekucushweni kwezakhiwo eziqokwe ezinhlelweni ze-BTI. Uma uhlelo lumaka ikhabethe ledola, ukudilizwa kwalo kungaphansi kokuxhumana. Ukuhlelwa kabusha kufaka phakathi ukufakwa, ukudlulisa noma ukushintshwa kwamanethiwekhi wobunjiniyela, ukuxhumana kanye nemishini edinga ukungezwa esiphakamiso sezindlu. Iphrojekthi iyadingeka kuphela kulawa macala amabili. Ngoshintsho oluncane, kuthathwa umdwebo wesandla. Akudingekile ukusho ngezimo.

Kunezinguquko eziningi ezingeke ziphumelele. Isibonelo, akunakwenzeka ukubeka izigaba emapuleti nasema-seams we-interpanel, wandise igumbi lokugezela ngezindleko zamakamelo okuhlala, udlulise i-radiator kuvulandi noma i-loggia. Uhlu lukhulu impela. Imikhawulo esungula umthetho wendawo. Isibonelo, enhloko-dolobha kunesimemezelo sikahulumeni waseMoscow No. 508-PP.

Amafemu wobunjiniyela kuphela anokwamukelwa kwe-SRO kufanelekile ukutadisha iphrojekthi. Umsebenzi onzima, kuzoba nzima ngokwengeziwe. Ngokunokwenzeka, iBhangengodla lizogcizelela ukuphuma kochwepheshe ukuhlola inani lento ngemuva kwayo yonke imisebenzi ehleliwe.

Okufanele ukwenze ngempahla ebanjiswa ngemuva kokukhokha imalimboleko

Ngemuva kokuthi umuntu obolekayo ekhona ngokuphelele isikweletu ebhange, lapho kukhona khona imalimboleko efulethini elinempahla ebanjiswayo, izibopho zalo zithathwa njengezigcwalisiwe. Unikezwa isitifiketi sokuntuleka kwesikweletu. Kusukela ngalowomzuzu kuqhubeke, imali ebanjiswayo iyayeka ukwenza futhi iqhubekele kumbolekisi ophawulwe ngokukhokha okugcwele kwemali mboleko. Kufanele kume inhlangano yenhlangano kanye nesiginesha yommeleli. Ukubuya kwenzeka kungakapheli inyanga eyodwa. Lapho-ke iphepha kanye nesitifiketi kufanele libizelwe ku-rosrestr, ukubhalisa amalungelo empahla. Ungaphenduka lapho nge-MFC. I-Rosreestr izokhipha i-extract ngenxa yokungabikho komthwalo.

Ungawubuyisela kanjani idokhumenti ekulahlekelweni

Njenganoma yini, iphepha elibalulekile lingalahleka. Kulokhu, kuzodingeka ukubuyisela ngokuzimela, kukhishwe okuphindwe kabili esifundeni sombuso, noma ngosizo lwebhange. Endabeni yesibili, ubungozi bokuthola idokhumenti enokulungiswa okungagunyaziwe. Ukuze uqinisekise ngokwawo kusuka enkohlisweni, kungcono ukubhekisa kubameli.