Indlela ukuthengisa indlu ngaphandle njengabalamli: inyathelo imiyalelo step. Indlela ukuthengisa indlu, ukuba kuse-

Xa umnini-ndlu ibonisa ukuthengisa, yaye akukho mathandabuzo ukuba sifanele kubhekisela Realtor. Yingcali liya kwenza konke okusemandleni ukufumana abathengi ekunene kwaye iya kunceda ukulungiselela onke amaxwebhu. Kodwa ke Commission ngexesha elinye kufuneka ahlawule elikhulu. realtors abaninzi uthathe-1% yexabiso yingisela. Kulula ukubala ukuba ingakanani imali umthengisi ulahlekelwa. Kodwa kufuneka sihlolisise nje ezinye bokuqonda, kunye nezindlu uya kukwazi ukuyithengisa nakanjani ekhuselekileyo ngaphandle njengabalamli. Ngoko ke, uthengise njani indlu?

Ukuqhuba apreyizali real estate

Phambi kokuba angakubhengeza ukuthengisa zokuhlala, kuyimfuneko kuqala ukuqinisekisa ixabiso layo. Le ngongoma unoxanduva kakhulu. Ukuba ubeka phantsi kakhulu ngexabiso, i deal azizange zihambe inzuzo. Ke izindlu kunye neendleko eziphezulu inokuba athotyiweyo iminyaka. Phambi kokuba uthengise indlu, kuyimfuneko ukufunda imarike real estate kummandla othile. Oku kunokwenziwa, umzekelo, kwiintsuku nje ezimbalwa eliza kuzijonga ngokusebenzisa amaphepha nezinyuko achaphazelekayo kunye neeforam ze ukhangele iintengiso ezinxulumene. Ekuqaleni, ungabeka ixabiso, nto leyo eya kuba engaphezulwana nje kancinane kune emarikeni. Ukuba imfuno mhlaba uya kuba phantsi, wathi lokuqala mali kuya kufuneka ukunciphisa kancinane.

Kukho izinto ngezinto ezichaphazela iindleko lokugqibela square metre nganye. Eyokuqala indawo wendlu. Ukuba isithuba uhleliyo kwindawo hayi eziphezulu kakhulu, apho kungekho ukwananisa ngezithuthi okulungileyo, ayiyi kuba nako ukuyithengisa ngexabiso eliphezulu. Ixabiso kungahle kuchaphazele ubudala endlwini, inani layo yonke imigangatho, ubukho zonxibelelwano ezincedisayo. Ukuthengisa indlu, neminyaka engaphantsi kwe-3 eyadlulayo yakhiwa, iya kuba nako ngokukhawuleza ngakumbi kwaye inzuzo engaphaya. Kuphantse entsha. Imiba kunye nembono ukusuka window.

Inqanaba yokuhlawula amatyala abantu kwindawo ethile naye ngqo kuchaphazela ixabiso lomhlaba lokwenene. Too eduru nako ukuthengisa indlu, ukuba abantu baphila banyuselwe. Kwanabo ngaphambili libekele bucala imali yokuthenga izindlu, zama ingqalelo ukhetho enganeno.

Indlela ukuthengisa igumbi ngokukhawuleza kwaye iyabiza?

Tshintsha inqanaba yokuhlawula amatyala bendawo ephilileyo labemi okanye kwenye indawo akathandi kusebenza, kuba ngaphaya kwamandla akho. Kodwa nantsi kancinci ukwandisa ixabiso lwezindlu Kusengenzeka. Yonke kufuneka kwenziwe ukukhangela abangaboniyo ngakumbi flat. Abantu abaninzi lithathe isigqibo sokugqibela kuphela emva kokuhlola ngokufumana enokubakho. Ukuba indlu uya kukhangela egqibeleleyo, ungathengisi ngayo iza kuba imali entle.

A wokulungisa elula nga ngokubonakalayo ukwandisa amathuba ukuthengiswa ekhawulezileyo kwezithobekileyo lokwenene. Omnye kuphela ukuphinda-stick iphepha lodongo, ukupeyinta isilingi , ivathisiwe kwivaranda. Thengisa lokulala indlu ngexabiso dvushki kuphumelela, ukuba wenze wokulungisa elungileyo. Lo msebenzi Kucetyiswa ukuba ukushiyela professional oyinyaniso. Ukuphila isithuba nge wokulungisa kuyilo kusoloko eqolo. Ezi ngcali ingqalelo ukuba, ekubeni kubekho nokuyifeza elula kusebenza ixabiso ilifa lokwenene linyuke nge-20-30%.

yokuhlala Mystery ukuthengiswa

Phambi kokuba uthumele isibhengezo sentengiso, kufuneka akhokele indlu kwifomu efanelekileyo. Ngapha koko, abathengi ezinokubakho kuza "umtshakazi" nangaliphi na ixesha. Indlela ukuthengisa indlu, ukuba akunjalo lisuswe? Abantu abafuna ukwenza into, akayi amava ezimnandi kakhulu.

Inyathelo lokuqala ukuphelisa iziphene zibonakale. It iintanda leyo wabonakala ngenxa ukunqamka ekhaya, bechuba ipeyinti kwi neebhetri kunye kwefestile, kwakunye nemibhobho konakalisa. kwimibhobho eyaphukileyo amabala kwigumbi lokuhlambela ngokucacileyo ayikukhuthazi ngabathengi. Ukongeza, ukuba yokuhlala hayi baye benza ukulungiswa, uya kunikela livumba elibi. Kufuneka bamsuse kwindawo yokuqala.

Icocekile igumbi kufuneka zisuswe. Phantse zonke izindlu kukho izinto ezincinane ezahlukeneyo ekunzima ukuba balahle. Kuyinto ezizoba zibuyiswa kwamanye amazwe, iipakethe yezinto elingasetyenziswanga, izinto zokudlala ezindala ethambileyo njalo njalo .. Konke oku memory ukuba umnini lwezindlu. Kodwa ngabathengi ezi "ixabiso" abonakala inkunkuma. Abo bazimisele ukuba uthengise indlu ngaphandle njengabalamli, kuyimfuneko ukuba kususwe zonke okungeyomfuneko egaraji. Igumbi kufuneka ibekwe ubuncinane izinto. Ukuba kusala ifanitshala kuphela kunye essentials.

Ukususela ezinye ifanitshala kuya kufuneka kwakhona ukuba balahle. Ngokuyintloko, oku kwenziwa ukuze ukwandisa isithuba abangaboniyo. Ukongeza, umthengi okunokwenzeka uza ufuna amalungiselelo ifenitshala ngendlela yabo. Ufuna ukwenza yonke into abanye abathathi-nxaxheba ukuba ukuvakalisa iimbono zabo. Kaloku, ukuba ngexesha yentengiso uya kukwazi ukwenza ukufudukela kwenye indawo. Kutheni? Yinto elula. ukuthengisa ubomi yokuhlala engenanto kuncitshiswa izihlandlo eziliqela.

ukudala ngendlela eyiyo iintengiso

Wonke umntu uyazi ukuba urhwebo ziimoto izibhengezo. Umtsalane - akukho ngaphandle. Kodwa njengoko intengiso ekhonza iintengiso. Kufuneka ubeke ulwazi malunga nokuthengiswa kumaphephandaba eyahlukeneyo kwimithombo elektroniki. Kubalulekile ukuba splurge kancinane, ukuba ad eme phakathi kwabanye abaninzi. Ukuthengisa indlu ngaphandle njengabalamli ngokukhawuleza ukuba umbhalo ophezulu ezikumgangatho. Unakho ukuza header eqaqambileyo, nto leyo eza kutsala abathengi ezinokwenzeka.

Okubhaliweyo engundoqo zokupapashwa kukuba ndibe ulwazi kangangoko kunokwenzeka. A umthengi okunokwenzeka ufuna ukufumana iimpendulo kwimibuzo yabo yonke. Abo bafuna ukuthengisa indlu eMoscow kubalulekile nje kuphela ukuchaza ndawo, kodwa kubonisa inzuzo yalo. Ukuba ihamba nje imizuzu emihlanu ukusuka kwindlu kukho isikhululo metro, oku ngokuqinisekileyo kufuneka uyikhumbule. Zonke iinkcukacha kufuneka ufake Ngokomzi, icebiso encinane. itekisi ende kakhulu kwaye phindo ayikho umthengi onomdla.

Isaziso, Kakade ke, kufuneka zibhalwe ngokuchanekileyo. Ukuba kuyimfuneko, ungasebenzisa iinkonzo umqondisi. Incutshe ayikho kuphela iimpazamo zopelo oluchanekileyo, intetho, okanye zobhalo (ukuba ikhona), kodwa kwakhona ndithi kuni indlela ukudala iziphakamiso kakuhle.

Indlela enye yokwazisa kwipropati?

Ukuba uthengisa indlu eMoscow okanye enye isixeko imfuno engxamisekileyo, kufuneka sithathe onke amathuba. Uyakwazi post ulwazi malunga bathengisa kumabonwakude okanye kwirediyo. Kukho kwakhona iindlela ngokuphelele free lokubhengeza. Iintengiso kungenziwa axhonywe elucangweni lwesango okanye imoto window. Abo bafuna indawo yokuhlala kwigumbi kwindawo ethile, qiniseka ukuba ufunda ulwazi malunga nokuthengiswa.

Ngoko ke, lo ad wenza phezulu, ihonjiswe wathumela / zibekwe kwiphephandaba, kwi-Internet, kunomathotholo, njalo njalo. D. Yintoni elandelayo? Xa intengiso lwazi zifumaneke ngabathengi kufuneka bazilungiselele into yokuba kukho inani elikhulu iminxeba kubonakala. Kaloku, ukuba ad yakho elikhankanyiweyo, elona xesha lifanelekileyo ukubiza. Mhlawumbi kufuneka ukuthengisa indlu kwixesha leholide. Eli xesha kuya kuba lula ukunikela kwi yingisela. Zama ukunika ingqalelo ngokupheleleyo kumntu ngamnye. Xa linokuya liba likhulu inani labantu oxoxa nabo, kokukhona ukuba izindlu ziya kuthengiswa kwixa elizayo.

Njani yaye nini ukuhlela ukubukela?

Ukuhlolwa kule ndlu - eli linyathelo elibalulekileyo. Kuphela emva kokuba umthengi uya kubona impahla ngesandla yokuqala, iya kuthatha isigqibo yingisela. Sokuba uthengise indlu, ukuba athe wafaka ukuze? Le umba siyitsho. Sikhumbula once more: ukunqongophala ulondolozo olufanelekileyo kunye nokucoca ingadlali baxhasa lomthengisi.

Kufuneka aqaphele ukuba kungenzeka ukuba, ukongeza amandla Abathengi ufuna ukutyelela realtors yokuhlala. Efowunini, bona abo kakhulu ebingaqhelanga ngqondweni. Kodwa ke ukuwela emnyango wendlu, ngoko nangoko baqala ukwenzela iinkonzo zabo. Ukuthengisa indlu entsha kunokuba kwaye ngaphandle koncedo yabameli. Kodwa ukuba nezindlu akanalo nenkangeleko esinomfaneleko, kunye nemfuneko ukwenza into ngokukhawuleza, iyavakala ukuthatha uncedo yeengcali.

Ukongeza kwiiarhente real estate, ngokutsho isaziso kuya kufika abo zisetyenziselwa ukwenza imali ngokungekho mthethweni. Phantsi ezibiza ngokuba ngabathengi ezihangeni nangena endlwini, ukufunda ukuziphatha umnini, khangela, oko imilinganiselo abhaliweyo kule ndlu. Ukuba umntu lowo waya kubona isithuba ephilileyo kubonakala enobukhwele, cela ukuba niyinikele ipasipoti. Uyavuma ukuba umthengi wathabatha amaxwebhu naye, ungakwazi nkqu nangefowuni. umntu ofanelekileyo ukuze nceda musa lali-. Kodwa ke uninzi abathengi 'olungelulo olokwenyani' akuzi kufuna ukuba kuza.

Kufuneka ube ngenyameko ukukhetha ixesha ukuhlela ukubukela. Ngokunqwenelekayo, lo kufuneka ibe ngexesha emini. Ukuba umhla ukulungiselela intlanganiso akwenzeki (umzekelo, lowo ubandakanyekayo uya kusoloko ushiywa lixesha), mema umhlobo okanye ummelwane. Ngoko ke kunokwenzeka ukuba bazikhusele abalinganiswa ezingaqondakaliyo.

Ukuhlolwa yezakhiwo ebumnyameni zinezibonelelo yayo. Ukuba indlu kukho amakhwiniba, umthengi okunokwenzeka abakwazi ukuba ngoyaba.

Ngawaphi amaxwebhu ezidingekayo?

Ukuba umthengi ufuna ukwenza ukuthenga nokuthengisa transaction, kuza ekutshintsheni wokubhala. Kufuneka phambili ukubeka ukuze umnini yokundwendwela kule ndlu kunye namaziko yokundwendwela zobugcisa, nto leyo eza kuquka engundoqo iparameters. Nor kuba ukuthengisa indlu ngaphandle kwemvume obhalisiweyo kwintsapho yakhe. Ezi nketho kuphela abantwana abangaphantsi kweminyaka eli-18. Ngaphezu kufuneka la maxwebhu alandelayo: isiqinisekiso lwemo-akhawunti, sisicatshulwa esithathwe kwirejista endlwini, ikopi-akhawunti zemali, isiqinisekiso esivela kwiofisi yerhafu.

Umthengisi kunye umthengi kwinqanaba kulungiselelwa amaxwebhu zenza isivumelwano lokuqala. Ngelo xesha laqalisa idiphozithi ukuba yokuhlala. Oku kuya kuqinisekisa ngeenjongo ukunyaniseka lomthengi. Ngaba kusengqiqweni ukuba uthengise indlu ngaphandle akananto - yokusombulula nzima. Ukwenza onke amaphepha eziyimfuneko - inkqubo eninzi. Uninzi lwezikhalazo hayi ngaphezulu kwenyanga. Ukuba umthengi ngomzuzu wokugqibela bala kule deal, imali iya kuba yinkcitho. Nenkomo lomthengi efanayo akabuyi.

Thina ukuthengisa indlu kwi mortgage

Nayiphi na imicimbi real estate mortgage kungenziwa kuphela emva kokubonisana iziko mali, isivumelwano semali-mboleko utyikitywe nto. Okokuqala umthengisi kufuneka afumane imvume kwi ebhankini. Kwinqanaba elilandelayo le mali ukuba umnini propati kufuneka abuyele iziko zemali. Nguwo lo ke umahluko phakathi kwesixa-mali sisonke-mboleko, inzala kunye nemali sokuba umnini-mhlaba sele ihlawulwe.

Okubalulekileyo! Ungakwazi ukuthengisa indlu kwi mboleko kuphela xa umthengi enokubakho uyaziqonda nowokupheliswa isivumelwano kunye ebhankini. Iziko zemali uya kukhupha isiqinisekiso okhethekileyo, nto leyo engqina ukuba semthethweni intengiso izindlu. Kwaye ke yinto elula. Inkqubo iyafana ukuthengisa kwilifa eziqhelekileyo yokwenene. Umthengisi kufuneka aqokelele onke amaxwebhu kwaye afumane imvume zihlobo indlu.

Indlela ukuthengisa indlu, ukuba ekuso kubanini eziliqela?

Thengisa endlini share kunokwenzeka. Kulo mzekelo, intengiselwano kukho inani elikhulu kujonge izinto. Yinto kuthelekiswa nkqu kunye intengiso igumbi ihostele okanye kwindlu ekwabelwana. Ingxaki kukuba ukufumanisa umlinganiselo umda unzima. Co-umnini kwelo gumbi kunga- lonke igumbi. Kodwa ke oku akuthethi ukuba nguye umnikazi waso.

Kuyenzeka ukuba ukuthengisa kwisibonda eflethini kuphela xa lwezindlu sele babucala. Kulo mzekelo, igumbi lonke iya kuba akhawunti efanayo. Ngokutsho komthetho yendawo, indlu, ezizequmrhu ngabantu eziliqela, mhlawumbi wathengisa kuphela ngemvume yabo bonke bephela. Ilungelo lokuba abe nesabelo kwindawo yokuqala lifumana co-umnini.

Umfazi unalo ithuba lokuthengisa endlini ukuze umyeni wakhe okanye isabelo sakhe. Ukusuka elikheswa lomthengi kungenzeka nibethwe kuphela ngesivumelwano kunye nezalamane ekufuphi, emiselwe kule isithuba ophilayo. Ekubeni ipropati kuza isaziso, nto leyo ithi kwintengiso ezayo iinkcukacha. Ukuba ingaphelanga inyanga yomnini nganye ugqiba ukuba athengise yinxalenye yokufunyanwa, oko kwenzelwa amaqela esithathu.

Asinguye wonke umntu uyazi, ukuba kunokwenzeka ukuthengisa indawo share, ukuba abantwana bahlala kuyo. Phendula lo mbuzo kunzima. isimo ngasinye ngamnye. Isigqibo kufuneka ithathelwe ziinkundla, ukuba abanini engavumelani iinkcukacha.

Indlela ukuba bazobe ikhontrakthi zentengiso?

Phambi kokuba uthengise indlu, kuyimfuneko ukucacisa ukuchaneka kwamaxwebhu ezisisiseko. Xa efumene umthengi na, oko kuya kungena kwisivumelwano of sale ngokukhawuleza kakhulu. Le uxwebhu oluphambili esemthethweni echaza bokuqonda wo yingisela.

Idatha iphambili mvumelwano ibandakanya iindleko indawo, inkcazelo intengiselwano yesifundo. Ukongeza, ubalula iinkcukacha yokundwendwela zamaqela, kwaye kananjalo udwelise amaxwebhu afunekayo yokuthengisa izindlu. Ukuba umthengi pre-ahlawule idipozithi, olu lwazi baphinda babonakaliswa kwisivumelwano. Uxwebhu aphambili ukuthenga nokuthengisa kwezithobekileyo yokwenene wachaza izibophelelo zamaqela, isivumelwano sabo mutual kwaye uchaze umhla wo yingisela.

It is a isivumelwano sentengiso luxwebhu esisiseko apho imali badluliselwe. Ukuba wenza evulekile, oko ngokuyimfuneko kufuneka zicaciswe. Idatha nabo bangena kwiziko zemali apho intengiselwano yenziwe, kunye nenombolo akhawunti.

Le ntlekele - yena ntlekele e-Afrika

Abantu abaninzi namhlanje banomdla ukuba okanye hayi ukuthengisa indlu ngo-2015? Oku akothusi. Imeko yezoqoqosho kweli lizwe uhlala ezingazinzanga. Oku kuchaphazela kwindawo yokuqala, imarike real estate. Umbuzo wokuba ingaba uthengise indlu ngoku, hayi ngaphandle kokuba kukho abo baza ukuba zindwendwele phesheya. Kulo mzekelo, kufuneka kukuphelisa kwipropati ngokukhawuleza kangangoko kunokwenzeka. Kulo mzekelo, ixabiso lwezindlu zibe phantsi kakhulu.

Kule amaxabiso kunyaka odlulileyo kwimarike real estate linyuke nge-10%. Umvuzo avareji baseRashiya yahlala injalo. Abantu kufuneka imali ebonakalayo ukuze yande imali efunekayo. Oku kucacisa ukuhla kumsebenzi kwimarike real estate. Iingcali iqekelela ukuba imicimbi engekenziwa ngowe-2015 uya kuqhutywa ngaphantsi kakhulu. Ngoko ke, lo mbuzo ukuba kusonjululwe kumgaqo 'ethengisa izindlu zexabiso. " Abathengisi kwiinyanga ezimbalwa ezidlulileyo liye lehla kakhulu ixabiso. Abo bafuna ukuthengisa impahla yokwenene kakuhle, sifanele silindele iminyaka embalwa. Abahlaziyi Siyathemba ukuba kungekudala imeko yezoqoqosho kweli lizwe omeleza.

Okokugqibela, jonga ngokufutshane enye indlela. kwiintsapho ezininzi ngakumbi abaselula bakhetha ukuthenga impahla ezivela kumqambi. Oku kuwuvule ngakumbi imeko kwimarike eziziisekondari. Umdla umthengi kunokuba ndawo ifanelekileyo salungiswa kuphela. Ixabiso le ndlu kufuneka kakhulu phantsi. Umthengisi likwaqhuba umngcipheko wokulahla ngaphezu kwe-15% yendleko yokwenene kwezindlu.