Impahla inshorensi Isihloko kunye nexabiso layo. Yintoni inshorensi isihloko?

Phantsi komthetho ngoku, umthetho ipropati uvumela umnini wepropati okwabo kwaye linikise ngee-ngokokubona kwayo. Nakuba kunjalo, eminye imithetho kunikwa izizathu apho lo msebenzi osemqoka unokuba salahleka okanye uphikise. Ngenxa yoko, le nto iza kufunwa ngumnini. Ukuze siphephe imeko enjalo, umthetho ubonelela real estate inshorensi isihloko. Khawuve oko na.

Overview

ezithengiswayo inshorensi isihloko likhusi umngcipheko ilahleko eziphathekayo ukuze ukusuka ungumthengi bona fide ngokulahleka amalungelo obunini kuvuka. Le ngozi iza kwimeko iziphene namaxwebhu. Isihloko wabhekisela iphepha kanye, engqina ilungelo elikhethekileyo lokuba nezinto ezizezakhe.

Izinto ezibangela risk

izinto immovable zidla ngumba nomxokelelwane elide yemicimbi zeentengiso. Ukuba kuvela ukuba omnye wabo wenziwa ngaxesha-calulo olwaphula le mithetho kwaye umngeni (umzekelo, iindlalifa), ke ngoko, ngokungqinelana nesigqibo senkundla, ilungelo lobunini abanini ezilandelayo irhoxisiwe. Oku kwenzeka xa, umzekelo, xa into kubantu babucala zange ithathelwe ingqalelo izimvo umntwana, okanye enye abanini waba entolongweni. Le meko ekuso zezindlu eziziisekondari. Xa market engundoqo ilahleko kobunini kwenzeka kwimeko apho umphuhlisi izama athengise kwigumbi elinye ukuya ukuthenga eziliqela.

Kutheni bazikhusele ubungozi?

inshorensi Isihloko iintengiselwano real estate lisebenza njengesiqinisekiso ukuba umthengi bona fide, ukuba into iza kufunwa ngumnini. Iimeko eziphambili apho oku kwenzeke zezi:

• Ukupheliswa kwesivumelwano sentengiso kunye nokuthabatha inxaxheba kwabantu zomthetho ogula okanye abemi abakhubazekileyo, waphula umthetho.
• Ubunini emva ukungamkelwa into ihlala ezisuka komnye umntu, njalo-njalo.

inshorensi Isihloko yenye yeemfuneko eziliqela iibhanki benza abantu ngetyala yokuthenga izindlu. Ukhuseleko ngokuchasene umngcipheko zokulahleka izenzo eziphathekayo kufuneka-ubone indawo xa ufuna-mboleko.

phantsi kwesivumelwano

inshorensi Isihloko inokukhutshwa ngenxa yezakhiwo zokuhlala okanye non-zokuhlala, iindawo zezakhiwo okanye kwizakhiwo, umhlaba. Ukongeza, unako ukukhusela umdla kunye nempahla yomnini. Isifundo se-inshorensi kwiimeko ezinjalo na kuze, ilifa kunye nokusetyenziswa kwempahla.

semthethweni ukuba isivumelwano

inshorensi Isihloko ibandakanya iimeko ezininzi apho umnini unikwa ithuba lokuba ukulwela amalungelo abo. Njengoko Kwimeko enjalo, umzekelo, sixhasa ukwamkelwa isigqibo senkundla. Phezu ukungena ukusebenza, umnini wamalungelo iya kurhoxiswa. Njengenye iimeko ezithile egameni invalidation kwekhontrakthi sentengiso. Intengiselwano libe nokuthathelwa ingqalelo ngolo hlobo, ukuba:

1. Ngokwahlukileyo komthetho kunye neminye imiqathango.
2. Ihlala ngokuchaseneyo kwiziseko yokuziphatha kunye nomthetho nocwangco.
3. Ivala esinye isivumelwano.
4. Ayizi ukuveza iziphumo zasemthethweni ezifanelekileyo kunokudenda.
5. Ukuzibophelela ogula ngokungaphelelanga okanye ngokupheleleyo okanye ummi yanto amaqumrhu asemthethweni.
6. minor Fumana kabani ubudala seelitha ezili-14 ukuya kwi-18.
7. Ukuzibophelela phantsi kweempembelelo wenkohliso.
8. Kuphunyezwa umntu ofanelekileyo esingalaziyo izenzo zabo yaye akakwazi ukulawula kubo.
9. Waphetha phantsi kweempembelelo ngezisongelo, ubundlobongela, inkohliso, isivumelwano ngolunya, iimeko ezinzima.

ezithengiswayo inshorensi title: Iindleko

Isixa uzimisele kuthathelwa ingqalelo imiba eyahlukeneyo. Ezi khrayitheriya zilandelayo, ebonelela inshorensi title:

• ixabiso Property ngokungqinelana noMthetho isivumelwano sentengiso.
• Iindleko uvavanyo BTI.
• Market (wokwenene) ixabiso square ngomhla we-inshorensi.
• Ezinye izinto. Ezi ziquka, umzekelo, kubandakanya imali-mboleko olubekwe yi kwiindawo zokuhlala.

Isixa-inshorensi iya ngaphezulu ixabiso kanye le nto. Kuba ubude nobukhulu bakhe bangesosigxina kutshintshwa. Ngokomzekelo, xa ebambe umniniyo ukulungisa oko kwandiswa iindleko yendebe yamazwe. Umnini uya kuhlawulwa imbuyekezo olulingana nesixamali kwekhontrakthi ezindlini inshorensi isihloko. Iindleko neyento - alikho intlawulo kuphela obonelela phezu kokuvela iimeko eziphathelelene noko. Ingahlawulwa njengoko iimali zezomthetho, intlawulo ukuya Igqwetha elimele umdla yomnini. Ngomhla isixa ubungakanani, phakathi kwezinye izinto, iphenjelelwa:

• Wihi yesivumelwano se-inshorensi.
• inqanaba lomngcipheko, nto leyo imiswe ubuchule ngokusemthethweni.

Ukungqinelana ixesha i-inshorensi phantsi ukukhuselwa zonke izisongelo, oko kukuthi, ukulahlekelwa bobunini naziphi na iimeko ngasentla, umlinganiselo iya kuba:

• Xa unyaka - 0.4-1%.
• iminyaka emithathu - 1.5-2%.
• kweminyaka elishumi - 2.2-4.0%.

Ngoko ke, lo kuqukunjelwe imvumelwano ethuba ukususela kwiminyaka-1 ukuya kwi-10. Ngokutsho komthetho lwasekhaya, ukuthenga nokuthengisa kungenziwa umngeni kwisithuba seminyaka emithathu, kwaye kwezinye iimeko, eli thuba ukuze kwandiswa ukuya kwiminyaka elishumi.

izifundo zomthetho

inshorensi Isihloko luyafumaneka amaqumrhu asemthethweni kunye noosomashishini ngamnye kunye abemi, ngoobani abanini propati. Noko ke, kufuneka zibhaliswe kwi kummandla Russia. Inyathelo lokuqala phambi kokugqitywa ngqo imvumelwano inshorensi iya kuba ukuhlanganisana onke amaphepha eyimfuneko malunga kwentengiselwano. Ngokwesiseko kula maxwebhu aya kuvavanywa ithuba lokuzisa izikhalazo kamva umnini omtsha bonakele. Ngokuhambelana kunye neqondo lomngcipheko yeinshorensi iya kubala irhafu. Inyathelo elilandelayo ukuze ukhethe inkampani apho ikhontrakthi kuphothulwe. Kuyimfuneko ukuba bahlolisise ngenyameko amaxwebhu kuvumela imizi-mveliso (mvume), imeko yabo yemali. Ukongeza, kufuneka kwangaphambili bazifunde imithetho kunye neemeko zeenkonzo zabo. Loluhlu lonke kuya kufuneka ukhethe inkampani zifanelekileyo. Kwinqanaba lokugqibela ilungisiwe yaye kuvunyelwene contract. Kuba isiphelo sayo kufuneka ubukho lobuqu zomnini-ofisi. Njengomthetho jikelele, ikopi yolu xwebhu lukwafumaneka omele inkampani, le yesibini ithunyelwe ngqo kumnini. Kwimeko-inshorensi yembuyekezo ngenxa kuya kufuneka ukuba zinike ubungqina obungamaxwebhu obunyaniso ziganeko.