Indlela yokwenza ukudayiswa amafulethi? amaphepha adingekayo, idiphozi, ukubhaliswa

Ukuthenga ifulethi - nqubo kakhulu, unesibopho kakhulu. Noma ubani owayengase alokothe kuso, ubophekile ukuba banake konke okusemandleni akho ukuba inqubo. Ngaphansi ukuthengwa nokudayiswa inqubo siqondwa yenguquko ukusuka nomnikazi oyedwa kwesinye kobunikazi by ukubala yemali.

Indlela yokwenza ukudayiswa amafulethi ku yonke imithetho

Ngakho, yini inqubo ukuthenga impahla? Uma ukhetha impahla, kubalulekile ukuhlola imibhalo nomthengisi. Nge yokungabi nokuhlangenwe nakho komuntu siqu kungcono zisebenze wokulungisa izivumelwano noma ummeli. Kufanele futhi kube nokuhlolwa kwempahla kuluthola. Ungenza lokhu ngokwakho, futhi asebenzise izinkonzo Ochwepheshe Realtors.

Ngaphambi uhlele ukudayiswa efulethini, kubalulekile sithungathe umlando waleli izindlu uthenge - ubani futhi nini eqoshiwe, ngaphansi kwanoma yiziphi izimo, ushintsho kobunikazi. Lokhu kwenziwa balahle izikhathi engase womuntu ongabazisayo.

Kubalulekile ukuhlola ngokucophelela uhlu lwalabo ebhaliswe efulethini okwamanje. Abantu ongahlala kahle endaweni ezahlukene, kodwa kufanele kubhaliswe ku zezindlu okuthengiswa. Ukuziphatha umuntu lowo athenge impahla, kufanele siqaphelisise. Umnikazi zokuhlala kumele okungenani ibe ezanele, ngokuphepha futhi ngaphandle embellishment ukuchaza emihle nemibi impahla ithengiswe. Indlela aziphatha ngayo akufanele usukela babhekwa nezinto osolisayo.

Uma kukhona ukungabaza ethize kufanele acacise ikhono lakamuva. Uma ungenzi ngesikhathi, ukuthengwa nokudayiswa lingatholakala inselele enkantolo. Okunjalo lezimanga wena, yebo, noma yini.

Hlola konke ngokucophelela!

Kuyefana nasendleleni nezinye abanikazi - ngokuvamile izihlobo yomnikazi. Mayelana ngamunye wabo udinga ukuthola ngokuthe ngqo ukuthi impahla ubekade impahla. Ake sithi, efulethini une bequest. Kulokhu kukhona izinkinga ngesimo ngokuzumayo sekuvele amanye contender for the washiyela efulethini. Icala nabo kungaba izinkinga kakhulu futhi le nqubo ukudayiswa, uma kungekhona torpedo deal.

Imithetho efanayo iyasebenza kuleli cala ukuba ukuthenga kanye namasheya ukuthengisa indlu.

Uma othile evela kubanikazi bako ezindlini ithengiswe namalungelo walesi impahla lethulwa ezithebeni zenkantolo, qiniseka ukucacisa ukuthi kungenzeka kulokhu isinqumo senkantolo. Enye yezinto ezibaluleke kakhulu - khona izingane kubhaliswe ku efulethini. Leli phuzu kubaluleke kakhulu. Phela ukuthengisa yokuhlala lapho umntwana ibhalisiwe, akunakwenzeka ngaphandle kwemvume igunya sivikelwe. Ukuze uthole ulwazi olunembile, kungcono ukuthumela isicelo kuziphathimandla ezifanele.

Ukuqedwa esigabeni wokulungiselela

Ukuze inqubo ukusayina amaphepha adingekayo bonke abahlanganyeli kule kuthengiselana kumele lube khona kwentelwe futhi iyatholakala ngosuku olulodwa. Inqubo izobanjezelwa uma ikhona wabanikazi ayitholakali. Okubi nakakhulu, uma wayefuna noma ichitha isikhathi eside ejele. Kulokhu ukuthengwa nokudayiswa kuthengiselana kunalokho engeke asebenze.

Ukugcwaliswa izinqubo ekubhekeni efulethini ukuze acaciseleke ngalokutsite zomthetho izokwethulwa phambi Tinsita, ezihlanganisa ihhovisi izindlu kanye BTI. Lokhu kumele kwenziwe ukuze wenze ngcono yakho amathemba ingcebo ngekusasa amehlo ezibalulekile emphakathini. Kungenzeka ukuthi indlu kuhlelelwe ukubhidliza izakhiwo, noma ngqo endaweni eseduze uzobe kuchazwe ukwakhiwa.

Emva ukuhlangana lonke ulwazi oludingekayo ukuze kuqinisekiswe ukuba semthethweni imibhalo izidingo, ungaba isinqumo sokugcina noma cha ukuze uyakuvuma lokhu okukhethwa kukho. Ngaphambi kokungena ngemvume-deed of sale zokuhlala, ukwaziswa okunokwethenjelwa mayelana umnikazi kungenziwa ebekiwe ngokuthumela isicelo Unified State Register.

Ukuziphatha ukuthengiselana kahle

I inkontileka sokuthengisa - idokhumenti osemqoka inqubo yokuthenga iyiphi impahla. umthetho yamanje kulawulwa isiqinisekiso yayo ngokomthetho. Lokhu kwenziwa ummeli olungisa izivumelwano ihhovisi noma ingcebo ejensi. Lapho, uma isidingo, uzonikezwa ifomu inkontileka (isampuli) ukuthengwa nokudayiswa efulethini. Code Civil (Article 550 ke) ivumela ukuziveza ukubhalisa leli phepha ukuze bangabhekani. Kulokhu kudingeka ukuba banake khona izinto saziso.

Lezi zihlanganisa: incazelo impahla badayisa, intengo uhlu abathintekayo kule kuthengiselana, ngokulandelana kumele izimali idluliselwe, kanye uhlu labo bantu ukuthi banelungelo ukusebenzisa impahla. Leli phuzu lokugcina kufanele kucaciswe lapho efulethini abazothenga ambalwa.

Yini imibhalo okumele iqoqwe phambi udaba nokudayisa amafulethi? Okokuqala, it is a ipasipoti njalo. Lapho umthengi eshadile (eshadile), futhi semthethweni umshado kufanele aveze isitifiketi somshado nesokuba ipasipoti iyisithandwa, kanye kwemvume ngesiphetho kuthengiselana. Article 35 kweKhodi Umndeni uthi umngane womshado kudingeka ukuze waziswe ngenhloso ukuthenga izindlu. In the ukungabikho kwemvume ukuthenga kwabo ngokomthetho nokudayiswa ifulethi ungaqedwa yinkantolo.

Uma isikhala ephilayo senziwa kumnikazi ongazange attained yobudala, uma isitifiketi sokuzalwa.

Ukubhaliswa ukuthengwa nokudayiswa emafulethini

Yenza umbhalo yesivumelwano, izinhlangothi ezimbili basafunda ke, kuhlolwa khona zonke izimo ezidingekayo. Khona-ke umthengi kanye nomdayisi usayine inkontileka ngegunya kokubhalisa ngokuhambisana neSigaba 558 Code Civil. Ukusayina kwenziwa khona i umbhali ogunyaziwe. Kusukela ngaleso sikhathi isivumelwano sisuke waphetha.

Ukuze ngemvume kuyo isabelomali kumele sikhokhwe ethile emsebenzini wombuso. Izimali zenziwa, umuntukazana kanti olunye uhlangothi. Ngaphezu inkontileka kumele kube i-deed of ukudluliswa. Ukusayinwa entry walo force futhi kungenzeka kuphela kwenzeke esimweni ukubulawa kwabo yonke imali ababeyitholile nezibopho ebekiwe inkontileka. Well, isinyathelo sokugcina, ekugcineni, kukhona isivumelwano sokuthenga efulethini yokubhalisa, isitifiketi ukudluliselwa kobunikazi lale mpahla.

Ukuze ahlobise ke, kufanele sithathe lezi zincwadi ezilandelayo: isicelo sokudlulisa kusuka umdayisi kumthengi ilungelo ubunikazi ngokwako inkontileka sokuthengisa zokuhlala, imali yokukhokha irisidi, uhlelo cadastral futhi ipasipoti lwezobuchwepheshe efulethini. Ngaphezu kwalokho, ama-passport abadinga umthengisi umthengi futhi akhiphe kusuka endlini umnikazi we efulethini.

Uma inqubo ukuthenga nokuntula yonke imithetho ke uma kwenziwa ngesikhathi umthengi kusezandleni madokumende alandelayo: ikhophi yesivumelwano ngqo ukudayisa, isitifiketi ukudluliswa kanye idokhumenti kwathatha umnikazi omusha lamalungelo impahla.

Ukuthengwa mortgage izindlu

Ukuthenga ifulethi kungathatha indawo ngokusebenzisa mortgage. Kulokhu, iphakethe eyisisekelo kwemibhalo kufanele iqukathe, ngaphezu okungenhla, umbono uchwepheshe sesilinganiso sentengo komhiaba, idokhumenti nokubhalisa encumbrance, inkontileka umshwalense ukuze efulethini. Indlela ukuhlela ukudayiswa indawo kulesi simo? Umahluko owokuthi khona embhalweni kwemibandela ethile inkontileka eziyisisekelo, ukuhambisana okuyinto kulawulwa umthetho.

Ngokuvamile lisho amaqiniso kanye ingcebo ukudluliswa umnqamulajuqu. iphuzu olungenzeka nokugcina impahla e isimo esithile. Force majeure kuyovunyelwana ngqo iqhaza.

isibopho Umdayisi ukuhlinzeka ulwazi ikhasimende mayelana besithathu okwakuphume ongacela nobunikazi. Lapho Kusayinwa isivumelwano, umthengi elahlekelwa ilungelo ukuba bahoxe ekungeneleni kuthengiselana ngaphandle esizwakalayo. I okuvunyelwane kufanele kwenziwe sokubalwa yokuhlala kuluthola. Esimweni ukwehluleka umthengi ukwenza eshiwo ku lemali inkontileka yemali, umdayisi unelungelo lokuthathwa njengomsulwa ukukhulisa indaba ze-non-ukuhambisana nemibandela yesivumelwano.

On ngokucophelela ngobuhle nangobubi bawo

Yiziphi emihle nemibi sesiphelo salesimiso sivumelwano? The main inzuzo - kungenzeka notarization nokusekela zomthetho. Endabeni ka ukwephulwa kwemibandela ebekwe therein izibopho futhi ngokuya yimiphi amaqembu kwenye inhlangano unelungelo esisemthethweni befuna ukubulawa kwabo izinto inkontileka ngendlela ebekiwe.

Uma kunezimo engamboziwe izigaba yesivumelwano, isicelo efanele kungenzeka isikhathi esiyiminyaka emithathu kusukela ngosuku lokubhalisa kanye nokukhipha izitifiketi itayitela isiginesha izinqubo ukudayiswa. Kuwo lo nyaka, umthengi unelungelo lokuthola isimangalo enkantolo esimweni ukunganeliseki nezidingo eziyisisekelo.

Kodwa ethile eyinhloko idokhumenti - ikhono inselelo ubuqiniso bayo. Lokhu kwenzeka ngenxa nomklamo ayilungile, noma umthetho mayelana nesiphelo sesimiso kuthengiselana. inselele inqubo kwenziwa ngokusebenzisa izinkantolo. Lokhu kungenziwa ngesikhathi isinyathelo kokubili umthengi kanye nomdayisi.

Ingabe ngidinga isevisi ejenti?

Noma cha isicelo ukuthengwa zokuhlala phakathi ingcebo ejensi? Ithimba lakhe phezu kwezinkonzo zazo ukukhethwa ukhetho zokuthenga, uqoqe imibhalo edingekayo futhi ukubhaliswa ngokomthetho kuthengiselana kuzothatha nawe kumaphesenti athile ngokuvamile ngempela isamba umxhwele imali. Kodwa ngicabanga ukuthi kuleli cala, imali ikudukele. Phela, ama-ejensi ingcebo ochwepheshe abangongoti kulo mkhakha. Babehlale abe standard ifomu ukuthengwa nokudayiswa zokuhlala, okwenziwe ikhumbula zonke ubuqili.

Njengoba wazi, nomuntu abangenalwazi kulula abanjwe, engazi umehluko wemisindo nemiqondo yamagama athile. Ake sithi, ngesikhathi sokuthenga "utryasen" umbuzo zonke bhalisiwe kule isikhala ephilayo. Kodwa ngaphambi kokuba ibhaliswe ku abantu efulethini, ukukhonza ngesikhathi sokuboshwa kuthengiselana. Ngoba inkathi lomusho ngakho iziqashi kufanele akhishwe ngokuzenzakalelayo. Kodwa ku esebuyile, ongasebenzisa ngayo ilungelo lakhe lokuhlala kule isikhala ephilayo, okuzokwenza kube inselele enkantolo.

Kulabo namanje nganquma ukwenza bebodwa, sethula inkontileka owandulelayo ukudayiswa amafulethi, isampula elitholakala nsuku saziso ngasiphi ummeli olungisa izivumelwano noma ingcebo ejensi.

Dlulisela imali

Cash lapho kubalwa engcono sokudlulisa wokulungisa izivumelwano ofakazi yomphakathi noma okuthembekile. Khona-ke, uma nanoma yiziphi izinkinga bazokwazi ukuqinisekisa Iqiniso yokudlulisa. Enokwethenjelwa kakhulu futhi ephephile inketho izinkokhelo ukuthengiselana ukusebenzisa amasevisi asebhange. Kulokhu, isamba semali is iguqulwe ebukhoneni kummeleli ebhange, kufanele uphawu nesignesha zonke izinhlangothi futhi lilondolozwe a ibhokisi idiphozi ukuphepha kuze wonke amaphoyinti yesivumelwano.

Uma unquma ukuqasha usizo ummeli olungisa izivumelwano, kungcono enyula him njengoba umfundi ngokwakhe, hhayi ukuze uvumelane umdayisi ezihlongozwayo. Futhi, qiniseka ukuthi ngokucophelela hlola imibhalo kobunikazi impahla uma umdayisi ungumnikazi ke okungenani ezinyangeni eziyisithupha.

Ukuthengwa nokudayiswa zokuhlala - idiphozi

Manje ake sixoxe lo mqondo, njengoba idiphozi. Libhekisela imali idluliselwe ngumthengisi umthengi njengobufakazi bokuthi sokuba nombono ongathí sina ekuzuzeni izindlu. Ngemva kokuthola lo idiphozi, umdayisi sithembisa kwenkathi ethile wokudeda ukudayiswa impahla besithathu.

Okwakushiwo idiphozi - ukuqinisekisa impumelelo deal futhi uvikelekile izinhloso zale amaqembu. Esikhathini ukubala kokugcina inani idiphozi kumele ngokusemthethweni uyasho njengengxenye izindleko ingqikithi yezindlu.

Incwadi yesivumelwano idiphozi (inkontileka kwangaphambilini of ukudayiswa efulethini), isampula okuyinto ayigunyazelwanga ngisho ngokomthetho, Nokho wenza, kuhambisana zonke betemtsetfo, kuphela ke kuyodingeka amandla umthetho. Uma isivumelwano esinjalo lihlotshiswe, futhi idiphozi idluliswa kuba umthwalo umthengi ukuthenga ngayo lo izindlu. Endabeni ntandokazi Kungenjalo, nje leyo ndawo ilahlekelwa lonke inani idiphozi, okuyinto uhlala anawo umdayisi at. Uma Nokho, ngemva kokuthola nomthengisi yakhe yaguquka ukuletha kuthengiselana kuze kube sekupheleni, enesibopho ubuyisele inkokhelo idiphozi, njengoba umthetho, kabili lemali. Kodwa lokhu kufanele nakanjani kube lelipelwe e yesivumelwano esibhalwe phansi.

imbuyiselo Jwayelekile lemali idiphozi kungenzeka uma ukwehluleka omunye abantu abahilelekile kule kuthengiselana ukuze ngempela nesizathu esizwakalayo (iconsi elibukhali isimo sezimali, okuvela kuyo iyiphi majeure amandla). It kuzoba inqubo imbuyiselo ezinjalo kuphela kokuba kungokuvumelana amaqembu.

On butholakala enqubweni eyinkimbinkimbi yokuthela design

Kanjani ngokuphumelelayo bahlelekela inkontileka idiphozi? Kumelwe ngempela sisebenza kubo bonke faka inombolo abanikazi ukuthengisa indlu. Libuye efiselekayo ukuqoka futhi bonke abathengi, kodwa isivumelwano ingase iyawakha nomunye wabo. Qiniseka ukuthi ukhombise idatha iphasipoti, Igama eligcwele zonke lezi ngekheli lokuhlala, incazelo emfushane efulethini.

Uma sidebeselela ilungelo kwakha luhlaka lomthetho vumelwane futhi ukhawule irisidi evamile, ukuxakeka okwengeziwe zingenzeka lapho sizama ukuvikela amalungelo i- enkantolo. Umthengi, uma kwenzeka ukwehluleka nomthengisi ukuthengisa indlu, ungalahlekelwa idiphozi ekhokhiwe. Ngokwesibonelo, kuhanjiswa okungenzeka abezokwelapha isitifiketi izihlobo umdayisi mayelana kuhulumeni ukuthi ngesikhathi ethola imali wokukhipha namarisidi. Kulokhu kakhulu, ngisho inkantolo ayinamandla.

Ungakhohlwa irisidi

Ngesikhathi ukusayina yesivumelwano futhi ukudluliswa idiphozithi isamba esithile imali kwenziwe ngaphandle irisidi ukudluliswa kanye kokuthola imali. Yiba ke umthengisi unesibopho khona umthengi. Ibhalwe leli phepha ukuze bangabhekani kuphela ipeni obungangenhloko kakhanjana (akukho ipensela noma helium nokunamathisela) futhi kuphela ngesandla, njengoba kwaba njalo endabeni ka-ukuxilongwa enkantolo inselele ukuthola ukuthi lingubani wesandla wabhala.

Irisidi kufanele libe uhlu lokuqukethwe in ireferensi inkontileka waphetha sokuthenga nokudayiswa ifulethi nenani kanye nosuku ukusayina. It kufanele imininingwane passport bobabili kanye nosuku Ukukhishwa inikezwe. idiphozi isamba kukhonjisiwe izibalo futhi amazwi kudingekile. Ngokuqinisekile kudingeka ukuze ukhombise ukuthi lemali adlulisiwe ine isimo yesibambiso, hhayi noma yini enye.

Irisidi, ngaphezu, kufanele kube khona incazelo emfushane impahla kanye inkomba idatha ubunikazi. Isignesha nomthengisi in irisidi kufanele luhambisane nalowo passport. Uma unquma uzitholele wona hhayi ukudweba ngesandla, kuyatuseka kakhulu notarization.

Imali ekulungiseleleni ezikhishwe kufanele idluliselwe umdayisi phambi kofakazi. izimali Kudluliswa lowomuntu kumuntu kumele kudingeke kusukela inezinhlobo recalculate izikweletu bese uqinisekisa khona lemali ebekiwe kanye nokuntuleka izimangalo zabo siqu.