Chaza ukuthi kusho ukuthengiswa kwamahhala, lapho inzuzo yayo nokuthi ungayithengisa kanjani eyayo yokuhlala ngale ndlela.
Ukuthengiswa kwamahhala kwefulethi kuyisimo esilula kakhulu kumthengi. Umthengisi ngenxa yokuthengiselana uthola imali, ifulethi ngesikhathi sokuthengisa alikhululiwe kubanikazi bezempi nakumalungu emindeni yabo (ukukhululeka okusemthethweni), kulabo abangafakwanga ngentengo yefulethi (ukukhululeka ngokomzimba) .
Ungakutholi kanjani kwiqhinga le-realtor lapho ukhetha ifulethi
Imvamisa ekukhangiseni abathengisi kuyaxoxa futhi bamemezele ukuthengiswa okuqondile kwamafulethi abangahleleli (noma abakwazi) ukuthengisa njengabakhululekile. Ukubalwa kweqiniso lokuthi kuzoba nezingcingo eziningi zokuthengwa okuqondile kwezingcingo eziningi. I-Litiodiod inyuka ukuthi into enokulungiswa okuhle izoyithanda kakhulu kangangokuba umthengi uzokwamukela ukuthengisa "okungahambisani".
Ukulungisa isimo kungakhethwa ngokufana kwenye indlela yamahhala (efulethini elidinga ukuthengwa ngokushintshana). Uma kungenzeka, i-realtor ingakhangisa into yakhe mahhala.
Ungasebenza kanjani ukukhethwa kwamakamelo okufana
Ukuthengiswa kwamahhala kukhanga kakhulu kubathengi futhi kunenzuzo ethe xaxa ngentengo yabathengisi, kwesinye isikhathi kufanele ukuthenga efulethini oyifunayo, bese uthengisa eyakho mahhala. Vele, uma unethuba - ngokwesibonelo, thatha imalimboleko yokuthenga. Kunenzuzo lapho-ke ukukhokha amathuluzi wemalimboleko kusuka ekuthengiseni amafulethi amahhala - ukuwohloka kokuvunwa kokuqala kokuthenga imalimboleko akukhona kunoma yiliphi ibhange.
Abathengi bayakufanele ukuthola inketho yamahhala yokuthenga. Lapho uphetha isivumelwano kusengaphambili noma inkontileka yangaphambilini nomthengisi wefulethi, qiniseka ukuthi ulungisa iqiniso lokuthengiswa kwamahhala ngokubhala.
Imigomo kanye nenqubo yokukhululwa kwefulethi
Uma ngasizathu simbe ukukhululeka kwezomthetho noma ngokomzimba akunakwenzeka noma kube nzima noma kunzima kumthengisi, khona-ke amaqembu avumelana ngalezi zenzo ngemuva kokusayina i-roserestre yokudluliselwa kobunikazi ye-DCT kumthengi. Imvamisa akuzona izinsuku zekhalenda ezingaphezu kwama-30 ngokuvela komzuzu. Izibopho zomthengisi ekukhululeni okungokomthetho nangokomzimba kwefulethi zihlala zilungiswa kahle embhalweni we-DCT.
Kwenzeka ukuthi ngaphezu kwabanikazi bezindlu efulethini, amaqembu esithathu abhalisiwe. Uma kungenzeki ukubasusa ekubhalisweni kuya kokuthengiselana, benza izitatimende ze-notarial ngezibopho ngaphansi kwenkululeko yezomthetho nangokomzimba yefulethi ngokuya nge-DCT enikezwe i-DCT.
Abathengi kufanele bangeniswe esitokisini esihlukile senani elithile kusuka ezindlekweni zefulethi (~ 50-100 ama-ruble ama-ruble abhaliswe efulethini) ngaphansi kombhalo oqinisekisa ukukhululeka okusemthethweni kwefulethi. Lokhu kungaba yinto ekhishwe kwisizinda sokususwa kusuka kwirekhodi lokubhalisa noma ukukhipha imali yokubhalisa kwaphakade kunoma yiliphi ikheli (amakheli) ngaphandle kwekheli elithengisiwe amakamelo.
Lapho kugcinwa khona okhiye beseli lasebhange
Izihluthulelo ezivela kumaseli asebhange zigcinwa kuze kube yilapho ubunikazi bomthengisi noma inhlangano yakhe ethembekile ngokomzimba noma yezomthetho kuyo. Kuyinto elula kakhulu ukugcina okhiye ebhange lapho imali isekwe khona. Kepha insizakalo enjalo inikezwa amabhange angavamile kakhulu.
Ngemuva kokuthola amadokhumenti avela eRosrestra, amadokhumenti aqinisekisa iqiniso lokuthengisa izindlu, izinkinobho kuwo wonke amaseli asebhange aguqulwa eRididi leReker ukuthola yonke imali efulethini. Inani elikhulu lomthengisi lingathola masinyane, futhi imali evela esitokisini esithi "incane" iseli icubungule izibopho kwi-repPix noma ukuhoxiswa kusuka ekubalweni kwemali efulethini lawo wonke amafulethi abhaliswe ngaphambili.
Endabeni yokuvuswa okunonya okwenziwa ngumthengisi kusuka ekugcwalisekeni kwezibopho ekukhululeni okusemthethweni noma ngokomzimba kwefulethi, kugodliwe imali umthengisi angayisebenzisa ekukhokheleni ummeli omuhle.
Yini engasiza incwadi yesikweletu
Ngokuthengiselana okulula kwempahla yokuthenga imali yokuthenga efulethini lamahhala, amabhange avame ukuhlinzeka amaqembu kuthengiselana ukwenza ukubalwa kwe-mutual ngokusebenzisa incwadi yesikweletu. Yebo, uma ukwazile ukugcizelela ekukhipheni kwabanikazi kanye nabantu besithathu ngaphambi kokusayina amafulethi e-DKP. Lapho ubalekela incwadi yesikweletu kunzima ukugcina ingxenye yenani ngaphansi kwesitatimende. Amabhange avunyelwe ukufeza ukuthengiselana okungenangqondo ekubhaliseni umane nje phambi kwemishwana oyifunayo kwi-DCP kanye nezitatimende ezihambisanayo.
Umbhalo: L. Starshinova, Isazi Sezindawo Zasemuva
Le ndatshana yashicilelwa kumagazini "House" No. 4 (2019). Ungabhalisela inguqulo ephrintiwe yokushicilelwa.
