IsiSwahili - ntoni na? Ukususwa encumbrances kwi-mboleko. Ukuthengisa ne isiSwahili

ingqiqo ka "umthwalo" ngoku Ziyanda. Kuthetha ntoni oku? Ngamagama alula, yinto uhlobo nokuhlutha izinto ipropati okanye ezithengiswayo. Fundisa izithintelo ezithile musa ukuvumela ukuba ilifa ngokupheleleyo omnye okanye kwenye indawo ngenxa isivumelwano esibhaliweyo. Iyafuna ukunikela ingqalelo yokuba umthwalo zingenzeka nokuba umnini, umzekelo, ukubanjwa ebhankini, yaye mhlawumbi uya - isibambiso indlu okanye indlu. Kuyo nayiphi na imeko kulinganiselwe ukwenza izahlulo, ukusayina iimvumelwano, njl

iintlobo isiSwahili

Zazo ezininzi. Eyona oluqhelekileyo - isibambiso okanye ukubanjwa. Uhlobo yokuqala ikhutshwa phandle kwemvume yomnini, umzekelo, kufuneka ahlawule elo tyala, kwaye yokuhlala anikwe ibheyile. Ke ukuba ukubanjwa, oko kukuthi amanyathelo kunyanzelekile, yaye ezinye izenzakalo kuxhomekeke kwisigqibo senkundla, apho ipropati okanye iipropati inokuba kubanjwa ngokupheleleyo okanye ngokungaphelelanga okanye babuya ifayini, njl

Olunye uhlobo isiSwahili - ukuba irente, okanye mandithi, ilungelo lokusebenzisa ipropati ithuba elingadlulanga kunyaka omnye. ulawulo Trust (DM), nto leyo ibandakanya ilungelo okanye ngabalondolozi, ibhekisela kwenye uhlobo nokuhlutha izinto. Kukho nezinye encumbrances ukuba wangena kule propati ngokungqinelana nemithetho.

Kukho enye ingongoma umdla, apho bambalwa abantu ukunikela ingqalelo: inguqu lwepropati komnye umntu zonke encumbrances ahlale, oko kukuthi, lo matyala kufuneka ahlawule umnini yangoku. Kungenxa yesi sizathu elula intengiselwano, kufuneka wazi ukuba yonke into ukuze kule nkalo. Ukuba kukho isiSwahili kuyo indlu, eli ithuba lokubonakalisa. Makhe sibone ngokweenkcukacha ezingakumbi.

Ukususa isiSwahili of mortgage

Le nkqubo lwenziwa kuphela emva kokuba umboleki ukuzalisekisa iimfuno contract kunye ngokupheleleyo ukuhlawula imali-mboleko ukuba yokuhlala. Kubalulekile ukuphawula ukuba kaninzi inkqubo lilibaziseka ixesha elide, kwaye umntu lifumana engxakini. Akucaci mnye: yini imali-mboleko ebhankini kunokuba ngokukhawuleza kangako, kodwa ukususwa encumbrances kwi mortgage ithatha ixesha elide? Ukuba overpay kwaye hayi ukuba nabameli, ukuze kuthintelwe zalo. Ukuze wenze oku, kufuneka ukuba uhlawule imali ngoko nangoko kwaye ucele ileta evela kwibhanki ukuba sele uyigqibile ngokwemiqathango yesivumelwano. Ukongeza, kufuneka ikhatshwe sisicatshulwa esithathwe akhawunti mboleko oko kukuthi nezivumelwano zokubambisa lubuyiswe ngokupheleleyo. IsiSwahili uya kuphakanyiswa kungekudala. Musa Ungakhathazeki, ukuba amaxwebhu aya ilungiswe ngaphezu kweveki enye (kodwa hayi ngaphezulu kwe ezimbini), njengoko kufunwa yi-nkqubo. Emva koko ubuthe amaxwebhu ayimfuneko, apho kuyimfuneko ukuya Rosreestr ukuba bathinjiwe umthwalo. Oku kuquka kula maphepha alandelayo:

• Amaxwebhu e indlu, ndlu, njalo njalo
• BS (egcinwe ebhankini).
• Uxwebhu eqinisekisa ukuphunyezwa kwesivumelwano (uyifumana ebhankini).
• Statement isiSwahili ukupheliswa.
• A ipasipoti irisithi ukuhlawula irhafu.

Yintoni ezithengiswayo kunye isiSwahili?

Njengoko sele kukhankanyiwe ngaphambili ukuba uthenge into, kufuneka balujongisise ngenyameko onke amaxwebhu, afana ebusweni ematyaleni, njl Kakade ke, kukho imigaqo ekhethekileyo ukusetyenziswa, nto leyo ezenza imiqathango encumbrances ngaphantsi kwipropati ethile. Le irenti enye, leyo, ngoxa akuvumelekanga ukuba angangeni okwenziwe indawo, kodwa wenza utshintsho kwisivumelwano. Ukuba, umzekelo, umnini bathengisa indlu, leyo nakwimizi kwiqela lesithathu, kufuneka umnini omtsha uyavuma ukuthobela yonke ngokwemiqathango yesivumelwano.

Kukho into enje njenge easement. Enyanisweni, ukuba ilungelo lokuba nomhlaba, elinganiselwe yi ikhontrakthi. Umzekelo, ukuba unako ukubeka yinxalenye unxibelelwano okanye indlela kwindawo kummelwane wakhe. Ngendlela efanayo, kwakunye irenti, i easement angalahlekelwa amandla ayo, ukuba ilizwe idluliselwa ukusuka komnye umntu ukuya komnye.

sele ukuqonda Wena kancinci malunga ingqiqo ka "umthwalo". Oko kukuthi, sixelelwa ngokweenkcukacha. Enyanisweni, kuza kusoloko kuphela isebenza kwilifa lokwenene. Kwaye ngoku makhe sithethe trust. Apha kwakhona, uneempawu zawo ekufuneka ithathelwe ingqalelo.

Abaphathi-asethi ekunene

Wolawulo ukuvumela ukuba itrasti ukwenza imicimbi ezahlukeneyo kuqukunjelwe imvumelwano (ngaphandle lokuthengiswa kwempahla). Ukuze benze oku, umnini-amacandelo iSivumelwano, ngokoko athe umntu asebenzise impahla yakhe. Kwaye ngoku amazwi ambalwa malunga imithwalo ukulawula. Le esingundoqo - kubalulekile. Eyona njongo ephambili yolu ndedwa ubunzima onjalo ukuhlawula imali-mboleko. Ukuba umboleki ingabuyeli kulo umsebenzi xesha, ilungelo lobunini ziye zithunyelwe pledgor. Nceda uqaphele ukuba kususwe encumbrances yale hlobo kunokwenzeka kuphela emva kokuba intlawulo epheleleyo okanye kwinxenye.

Kukho kwakhona inkxalabo yolawulo uluhlu ukubanjwa - umlomo ukupheliswa naziphi na izivumelwano okanye ukuthenga. Kulo mzekelo, njengoko kuchaziwe apha ngasentla, zonke wagqiba yinkundla. Ngaphezu koko, umnini, umzekelo, wabanjwa ekhaya, ukuba ayigcine kakuhle kangangoko Akusayi eso sigqibo.

Kakade ke, zikho nezinye izithintelo ezahlukeneyo izinto ezibekwe ngurhulumente. Umzekelo ocacileyo ke isiSwahili kusetyenziso lwepropati apho iirhafu ezingahlawulwanga, ngamanye amazwi, ukuba ityala kurhulumente.

Iimpawu kwesivumelwano kunye isiSwahili

Umqukumbelo intengiselwano ezinjalo bokuqonda ezininzi ezibalulekileyo. Isibakala sokuba limited amalungelo umnini kufuneka nakanjani ithathelwe ingqalelo xa zisenza imvumelwano. Njengoko yokusebenza ibonisa, kaninzi ngokohlobo ndedwa ubunzima izenzo zokubambisa. Ukuba umntu, ngenxa yaso nasiphi na isizathu akakwazi ngokuzimeleyo ukuhlawula amatyala, ibeka phezulu intengiso yezindlu. Thina le meko zilandelayo. Umthengi has ukuba ahlawule isixa esithile, esimisela umnini, nakwabanye ityala. Kakade ke, kule meko, qiniseka ukuba basayine imvumelwano neSebe isiSwahili. Ukuba bethenga yimpumelelo, imfuneko yokuba afumane imvume ebhankini, apho uthatha-mboleko. Ukuba sithetha isivumelwano phakathi iqumrhu ngokwasemzimbeni kunye neyomthetho, kuyimfuneko ukuba benze isivumelwano esikhethekileyo. Kulo mzekelo, amalungelo empahla zidluliselwa komnye umntu, ngokwemigqaliselo echazwe kulo Mthetho. Enye ingongoma ebalulekileyo kukuba abathengisi ayisoloko ukunika zonke izithintelo (ityala, njalo njalo). Ukuze siphephe ukuba mgibe, jonga ingxelo ahambelanayo e Rosreestr ufumane isiqinisekiso, nto leyo eya kuba yonke ingcaciso eyimfuneko malunga ngokuthenga impahla.

Yintoni ukujonga ukuba xa uthenga okanye athengisa impahla?

Xa uthenga indlu okanye indlu, musa wonqena kwaye uthabathe USRR uncedo. Nangona le nkonzo iya kuxabisa imali, uza kufumana ulwazi ngokupheleleyo yaye eneenkcukacha koko nezithintelo kukho kule propati. Nikelani ingqalelo into yokuba, mhlawumbi, ukuthenga indlu oqeshiweyo. Kulo mzekelo, iya kuhlala apho de inani umqeshi ezicaciswe kule mvumelwano, ukuba izakhi ezinjalo. Nakuba kunjalo, umqeshi ngokwakhe athathe inxaxheba kule nkqubo, zonke kuqhubeka kanye njengokuba kwakunjalo kuye. Kukwasebenza kwanjalo kuyo iindleko zokuphila.

Kwamanye amazwe, kukho bokuqonda. Umzekelo, eJamani, umqeshi kufuneka anike imvume yabo ukujonga indlu apho emi kuyo. Kwakhona wenza ukunikela umqeshi yokuthenga ikhaya ukunika ixesha elithile (ukuya kutsho kwiintsuku 60) ukucinga.

Njengoko ubona, yonke into elula ngokwaneleyo. Ukuba uyoyika ukwenza into engalunganga, ngoko kuyacetyiswa ukuba nabameli banamava ukuba bajongane nemiba real estate. Ukuze ufumane imali, ufumana lonke ulwazi ekufuneka uyazi. Le mvumelwano iya kuzotywa ngokuchanekileyo, kwaye kwixesha elizayo akayi kuba iingxaki.

Ezinye iingongoma ezibalulekileyo

abathengi abaninzi kunye nabathengisi bayalibala ukuze kubekho intsebenziswano umnini. Ngokomzekelo, omnye wabalingane ukuthenga indlu, nokuba ukuba ngokupheleleyo imali nempahla yakhe iya kuqwalaselwa eqhelekileyo kule meko. Kakade ke, xa uthenga okanye ukuthengisa isivumelwano sibhalwe apho abanini zidweliswe. Nokuba iphepha ayikho omnye wabalingane, eso sigqibo senziwe kungokuvumelana. Ukuba uthenga indlu, isivumelwano kufuneka asayine omabini amaqabane. Enyanisweni, lo mthetho kufuneka ungalibali zombini abathengisi kunye nabathengi.

Ayikhange ngaye lo hlobo mthwalo, ezifana nokuboleka. Ukusuka kwindawo esemthethweni lwembono, yinto efana ukuqashisa. Umqashi indawo yokuhlala okanye indlu uyalinandipha izindlu nje kuphela ukusetyenziswa okwethutyana, kodwa ukuze. Ukuba ixesha kwirenti ngaphezu konyaka omnye, isivumelwano esisodwa. Kwixesha elizayo, umqeshi unalo ithuba ukuqeshisa endlini sublease. Kodwa le siganeko kunye yokurekhoda phantse ishenxisa nabuphi na ubuqhophololo. Vuma, umlinganiswa ingacaci yi isiSwahili. Yintoni na le nto ukuba sele ukwazi, kwaye ngoku makhe sibone ukuba oku isithintelo kwaye xa oko kuyimfuneko.

IsiSwahili: intle okanye imbi?

Kunzima ukutsho ngokuqinisekileyo. Kwelinye icala, oku luhlobo olwahlukileyo nezithintelo musa ukuvumela ukuba enze nasiphi na isenzo impahla kunye nemihlaba, kunye kwelinye - le ndlela isebenza kuphela yokukhusela indlu okanye igumbi kubuxoki. Kakade ke, ubukho izivumelwano ngokunciphisa na isicwangciso lona, kodwa ke isiqinisekiso yokwenza izibophelelo zabo, ezifana iintlawulo zokubambisa, ityala. Ngamanye amaxesha umnini ngokwayo angabi umthwalo nempahla yabo. Kaninzi oku ukubanjwa, yeyiphi ngokupheleleyo iibhloko nasiphi na isenzo (yentengo, intengiso, irente, njalo njalo). zithathelwa amanyathelo xa uzama ukuba zifake ilifa bokwenyani abahlaseli. Lisebenzise indlu, umnini uya kuqinisekisa ukhuseleko balo ukuqinisekisa iimeko.

Ukusebenzisa impahla kunye nezithintelo

Ukuba umnini indawo yokuhlala kunye ngumthwalo, oko akuthethi ukuba awukwazi ukuyisebenzisa ngenxa ophilileyo, ukuba irente. Kwiimeko ezininzi, oko othintela nokuhlutha impahla (ithengiswe), kodwa ukusetyenziswa idla wavumela, into ethetha ngayo. Kwanele ukulawula izenzo zabo kunye pledgee uze ufumane imvume yakhe ebhaliweyo. Njengoko sele kukhankanyiwe ngasentla, ungenza zithengise lo mhlaba, kodwa inkqubo okhethekileyo. Thina Sele wayeyinxalenye phandle "umthwalo" noluvo ukuba le mbono ibonisa. Kufuneka kunjalo ukwazi ukuba ukuya ipropati ephantsi sithintelo, oko kwatsala imibutho yoluntu; iinkundla, imizi egcina imali, nokuqashwa, njl

Musa ukulibala malunga nemithetho ezibalulekileyo

Ndingathanda ukuba athi ukuba kukho amaxesha xa ngabemi indlu umhlali ababhaliswe apho, kodwa abo banabo. kucetyiswa ukuba ukufumana propati, enyanisweni, amava abonisa ukuba abaqeshi zisaku- ngoko nangoko, ngoko kuyimfuneko ukuba ukuphumeza oku ngokusebenzisa iinkundla. Ukuba indlu abantwana okanye umhlali abemi ogula, kuyimfuneko ukuba libhekisela nokulindwa, njengoko bekuya kuba nzima ukuqhuba itransekshini ngaphandle kwemvume yabo. Ukufumana iyingozi kakhulu ukuba irente, ekubeni izixhobo ezinjalo ingacaci kwaye ngamanye amaxesha ibe eninzi kujonge izinto ezintle. Kuyanconywa ukuba bafunde kuqala ukususa njani ndedwa, uze athenge okanye athengise impahla.

isiphelo

Ngoko awamphatha ngayo imibuzo onokuba unayo. Njengoko ubona, asingabo bonke lula njengokuba kusenokubonakala xa efika kuqala. Oku kungenxa yokuba kukho iintlobo ezininzi imithwalo, ngamnye kubo inencasa yayo, yaye loo nto kubalulekile ukuba uthathe ingqalelo ngokupheleleyo zonke iinkcukacha. Xa uthenga impahla, ngoko ukufunda ngenyameko isivumelwano, tyelela Rosreestr, ngokubanzi, yenza konke okusemandleni ukuqinisekisa ukuba i "ntumbuluko" kwipropati. Ukuba umthengisi, ungakhankanya kule mvumelwano yonke imithwalo ebekwe kwi egumbini njengoko yokuzifihla zabo naxa ingumbandela ozaliswe ziziphumo ezimbi.