Izinhlobo zenani lemisebenzi yokulinganisa

Izindleko zingenye yezimpawu eziyinhloko zendaba ephathelene nokuthengiswa komthetho. Ziyini izimpawu zayo? Izintengo zihlukaniswa kanjani? Ngayiphi inhloso ebhizinisini noma ebhizinisini le-realtor kubalwa izinkomba ezifanele futhi yiziphi izindlela?

Iyini "inani" nelithi "ukulinganisa"

Ngaphambi kokutadisha izinhlobo zokubaluleka kanye nezizathu ezihambisanayo zokuhlelwa kwayo, ake sibone ukuthi kuyini. Imigomo eyoyivumela ukuba inikeze incazelo engaqondakaliyo, phakathi kwezwe kanye nabomnotho beRussia kakhulu kakhulu. Phakathi kwezinto ezithandwa kakhulu yizinto ezilandelayo: inani liyimali yemali esungulwe njengesimo sokuthengiselana ngenqubo yokusebenzisana kwezihloko zobudlelwane bomphakathi ngesikhathi sokulindelwa kokudluliswa kwamalungelo omhlaba noma ezinye izindlela zokusebenzisa into. Kanti, umqondo "wokulinganisa" uhlobene nenqubo yokunquma inani elithintekayo.

Izici zokuhlola

Izinto zokulinganisa kungaba yindawo yokuhlala, izinsizakalo, ezokuthutha, izinto zasendlini, impahla yengqondo - konke okuhlinzekwa ngumthetho womphakathi njengendaba enokwenzeka yokuthengiselana okubandakanya abantu bomvelo nezinhlangano zomthetho. Inqubo ehambisana nokuzimisela kokubaluleka kwezimali, ukudluliselwa okuvela kwesinye isihloko sobuhlobo bomthetho kuya kwesinye isisekelo sokudluliselwa kwamalungelo empahla, kwenziwa ngezindlela ezaziwa yizo zombili izinhlangano. Zingabuye zinikezwe ngabesithathu, kodwa ngokuvumelana nezibopho eziyinhloko ekuthengiseni.

Lezi noma ezinye izinhlobo zezimpahla, impahla noma amasevisi zinganqunywa, kuye ngokuthi uhlobo lobuhlobo bomthetho, ngesicelo samalungu noma ngenxa yezidingo zomthetho. Ngakho-ke, isibonelo, lapho usebenzisana ne-real estate, ukufinyelela kwamasevisi wabahloli bezicelo kunamacala amaningi okugunyazwa ukubhalisa ubunikazi.

Izindlela ezisetshenziselwa ukuhlola

Ukuhlola, kanye, isibonelo, ukuzimisela kohlobo lwexabiso, kungenziwa ngaphakathi kohlaka lwezinqubo ezahlukene. Emisebenzini yebhizinisi laseRussia, kunezinto ezintathu eziyinhloko: inzuzo, iqhathanisa futhi iyabiza. Ake sicabangele lokho okusemqoka.

Imodeli yokuthola imali ihlanganisa ukusetshenziswa kwezindlela ezisekelwe ekubaleni imali engenayo kusukela ekusetshenzisweni okungenzeka ngumnikazi omusha wenjongo yokulinganisela - isibonelo, ukuqashisa. Imodeli yokuqhathanisa ihilela ukutadisha izibalo ezibonisa izinhlobo zokubaluleka kwempahla yezinto ezithile, nezinkomba zabanye, ezifana kakhulu ngokuqondene nezici eziyisisekelo. Isibonelo, i-appraiser, uma uthola isibonakaliso esifanele sezindleko zendlu, ngokuvamile uhlola iziphakamiso ezikhona emakethe yezindlu zangasese. Esikhathini sokuhlelwa kwemodeli yezindleko, izindleko ezingenzeka zibalwa, okudingekayo kusukela ekubukeni kokugcina into enesimo esifanele sokusebenza. Uma, uthi, umuntu uthenga ugandaganda, isazi sokuhlola esiqashwe nguye kufanele , ngokucabangela izindleko zendlela enikeziwe yokuthutha, zibheke izindleko ezikhona ezihambisana nokulungiswa kwemishini.

Umphumela wokulinganisa

Lapho izindinganiso zendawo sezihlaziywe, futhi ukulinganisa okuhambisanayo kunikezwa, umphumela wayo ungasetshenziswa njengesiqondiso sokunquma intengo yokugcina yokuthengiselana. Noma ngezinye izinhloso - isibonelo, lapho ugcwalisa inkontileka yomshuwalense, unikeze imali mboleko, uthengise isigxobo, njll. Ake sicabangele ukuthi yiziphi izinkampani zaseRussia ezikhomba izinhlobo zokubaluleka ekuhloleni izikhungo ezahlukeneyo. Kanti nolwazi olufanele lungasetshenziswa kanjani ekusebenzeni.

Ukuhlukaniswa kwamanani

Yiziphi izinhlobo zenani lezinto zokuhlola ezihlukaniswa ochwepheshe banamuhla? Kunezinqubo eziningi zokuhlukanisa lapha. Cabanga ngesinye sezinhlobo ezivamile kunazo zonke ezomnotho weRussia.

Kukhona, ikakhulukazi, inani lemakethe. Lena yintengo, inani elinqunywe ngesikhathi sokulinganiswa kwezinto, ngaphandle kokuthi kulindeleke ukuthi kuthengiswe ingxenye yokuncintisana. Yilokho, izimo eziphoqelelwe zokunquma izindleko ezifanele - ukutholakala kolwazi lomphakathi mayelana nemigomo yemanani yomkhiqizo, ukungabi khona kwezinto ezibalulekile zangaphandle (zokulawula) ezithinta intengo.

Kukhona inani lokutshala izimali kulo modeli okucatshangelwayo. Izinkomba zayo zikhonjiswe ngenhloso yokunikeza ulwazi kulabo abanesithakazelo ekutshalweni kwezinto. Kwezinye izimo, inani lokutshala izimali lingase lihambisane nenani lemakethe. Kodwa lokhu akunjalo njalo. Ngezinye izikhathi, ngesikhathi esifanayo nokutshalwa kwezimali, inani lokukhishwa kwezinto nalo libalwe. Ukubaluleka kwalo kubonisa ubukhulu obunokwenzeka bokuthi bukhona buvela ekubuyiselweni kwendaba yokuthengiselana.

Kukhona inani le-cadastral. Inhloso yokwakhiwa kwayo yinto yokungena kwento ethile kumbuso othile noma irejistri yezimboni kanye nokusetshenziswa okulandelayo kolwazi ngamazwi afanelekayo. Njengomthetho, sikhuluma ngokubalwa kwezintela kulokhu. Inani le-cadastral ngokuvamile liphansi kunenani lemakethe, uma sikhuluma ngezindlu zangasese, noma cishe okulingana nayo.

Kukhona into enjalo njengenani lomshuwalense. Kubandakanya ukubala inani lokukhokha ngaphansi kwenkontileka yomshuwalense. Kwezinye izimo, ngesikhathi esifanayo naso, izindleko zokufaka esikhundleni sento nazo zibalwa. Lokhu kwenzeka, isibonelo, uma isivumelwano esivumelanisiwe nenkampani yomshuwalense kusho ukuthi asikho isinxephezelo semali, kodwa ukuletha into ekusebenziseni kwayo yangempela ngemuva kokulimala noma ukwehluleka.

Ngakho-ke, sihlolisise izinhlobo ezine zokubaluleka, okuvame kakhulu esikoleni sezomnotho saseRussia, kanye nokuzihlanganisa eziningana. Lolu hlu alukho okwedlulele. Kunezinhlobo zangasese zamanani ezimakethe, kanye nokutshalwa kwezimali, noma i-cadastral, ephathelene nezici zezinto ezihlukene, njengendlela yokukhetha, isimo somthetho. Manje siphendukela ekutadisheni okubalulekile kwezinto, ngokuphathelene nokuthi iphimitha elihambelana nalo libalwa ngesici sokubaluleka okubalulekile.

Ukulinganiswa kwebhizinisi

Yiqiniso, kunezinhlobo eziningi zezinto zokukhonkolo eziphathelene nokuthi iyiphi inani elinqunyiwe. Phakathi kwezinto ezivame kakhulu kumkhuba webhizinisi waseRashiya yibhizinisi kanye nezakhiwo zangempela. Esikhathini sokuqala, yonke impahla yezimpahla, imigomo yokuphatha kanye nemisebenzi eyenza inzuzo ibalwa. Ngaphambi kokutadisha izinhlobo zamanani ebhizinisi, kuyoba usizo ukuthola izinhloso ezibhekene nokuhlolwa okufanele.

Kungani unquma imingcele yezindleko zebhizinisi? Ikhetho lokuqala lapha ngamathemba okuthengiswa kwebhizinisi. Umnikazi wenkampani anganquma ukwenza enye ibhizinisi, kodwa ngaphambi kokuba kuzuze ukudlulisela okwamanje ezandleni zomunye umnikazi. Futhi, ukulinganisa ibhizinisi kungenziwa ukuze kuthuthukiswe ikhwalithi yokuphathwa kwenkampani, thola ukwehluleka okungenzeka kuhlelo lokuphatha. Enye indlela ukuheha abashalizimali uma bengenayo imali eyanele yokusebenza noma i-firm isekelwe ukukhulisa imakethe, ngakho-ke kunesidingo semali eyengeziwe. Ukuhlolwa kwebhizinisi kungenziwa uma wenza isikweletu - kungukuthi, njengombandela, usebenza njengesiqondiso sokwenza isinqumo ngokukhishwa kwebhondi yibhange.

Ukulinganiswa kwebhizinisi

Yiziphi izinhlobo zezindleko ezihilelekile ekuhloleni kwamabhizinisi? Yiziphi izimiso ezisetshenziswa kakhulu lapha? Izinhlobo eziyinhloko zokubaluleka ezisetshenziswa ekulinganiseni kwebhizinisi yizimakethe kanye nokutshala izimali. Ngokusho kochwepheshe abathile, becabanga ukuthi kungenzeka ukuthenga ibhizinisi, kungaba kuhle ukuba lo mlingani agxile ekuqondeni kwesibili ekuhlaziyeni amathemba afanele. Njengoba intengo "yemakethe" evamile yebhizinisi yinkomba engeke ihlale ikhuluma ngokuthuthukiswa komsebenzi webhizinisi. Kodwa uma sikhuluma ngokukukhomba, izimiso eziyinhloko zokubala izibalo ezifanele zingase zisekelwe:

- uma kuqhathaniswa nezinkomba ezitholakalayo kanye nalabo abathintekayo bemakethe;

- ukutadisha izinzuzo zezokuncintisana zebhizinisi;

- ngombono ozithobayo wabahloli;

- ekutadisheni ithonya lezinto zangaphandle.

Uma kuyindaba yokunquma ukubaluleka kokutshala kwebhizinisi, khona-ke izimiso ezifanayo zingasetshenziswa, kodwa ngaphezu kwazo nazo zivumelekile ukuba zibandakanye eziningi zabanye:

- ukulinganisa ukuziphatha kwezihloko ezihilelekile ebhizinisini (ithonya lezici);

- ukubalwa kwenzuzo (ukwanda kwamanani emakethe ngokuhamba kwesikhathi).

Izinkomba ezicacile zenani linganelisa umthengi ongathenga ibhizinisi noma umtshali-zimali, kuye ngokuthi usayizi olulindelekile lwezolimo ebhizinisini nokuthi yiziphi amathuba okukhokhwa kwazo. Ezimweni eziningi, ukutshala izimali kungaba yikwama-credit. Ubukhulu bezinzuzo ezingenakwenzeka akumele nje buhluke ku-zero, kodwa futhi kuqinisekiswe ukuthi ukukhokha inzalo ebhange. Ama-benchmarks engeziwe ekwenzeni izinqumo ngumtshali-zimali, hhayi ukubala izinkomba ezibonisa imakethe kanye nokubaluleka kokutshala kwebhizinisi, kungaba:

- ukusimama kokusobala kwebhizinisi (ikhono lokukhiqiza inzuzo isikhathi eside);

- ukulungiswa kwezikhathi zokubuyisela kanye namabhizinisi okuncintisana (mhlawumbe kunenzuzo kakhulu kumtshali-zimali ukutshala kwenye indawo eqinile, nomthengi-ukuyithenga);

- izinga lethemba phakathi kwabalingani.

Lezi zindlela zingaba yi-subjective kakhulu. Ngakho-ke, ekusebenzeni kwebhizinisi, imakethe kanye nokubaluleka kokutshala kwebhizinisi yimingcele, nakuba kubalulekile, kodwa hhayi njalo phakathi kwezihluthulelo.

Esinye isizathu esingaba yizindleko zezinhlobo zomsebenzi ezihlobene nokuhlola ibhizinisi lokutshalwa kwezimali noma ukuthenga okungenzeka. Uma inhlolovo yebhizinisi ingahambisana nokutshalwa kwemali okuphawulekayo okungabandakanyi inzuzo yangempela (isibonelo, ukufinyelela ochwepheshe bangaphandle, abacwaningi kanye nabahlaziyi), kungenzeka ukuthi umtshali-zimali noma umthengi webhizinisi ongase athethe ukungakhethi ukubhekana nesimo esithile.

Ukulinganiswa kwezindlu zangempela

Kuzoba usizo ukutadisha ukuthi yiziphi izinhlobo zamanani ezindawo zangempela, nokuthi yiziphi izindlela ezisebenzisayo ekuhloleni. Kodwa ngaphambi - njengokwesibambiso sebhizinisi - sizochaza imigomo elandelwa abahlanganyeli bokuthengiselana kwemithetho yomthetho wehlobo olulandelayo. Isidingo sokuhlola izinhlobo zenani lempahla, kanye nokuxhumana nezinsizakalo ze-appraiser, vuka kulezi zihloko ezilandelayo:

- kukhona ukuthenga nokudayiswa kwefulethi, ihhovisi, enye isakhiwo noma izakhiwo;

- izimpahla zenkampani zibalwa;

- ubukhulu besisekelo esikhokhiswayo sinqunywe ngokwemali yezindleko.

Yiqiniso, ngokusebenza, kunezizathu eziningi zokulinganiswa kwezindlu zangempela. Isibonelo, kwezinye izimo kuyadingeka ukunquma izinhlobo zezindleko ezilinganisiwe ngaphezu kwezinqubo eziyinhloko. Noma - njengendlela yokukhetha - ukuhlola indawo ukuze uyidlulisele izidingo zomphakathi.

Ukulinganiswa kwezindlu zangempela

Ngenhla saphawula ukuthi izinhlobo eziyinhloko zenani lebhizinisi zimakethe kanye nokutshala izimali. Ngokuqondene nempahla, imingcele efanayo ingaphenywa, kodwa, njengomthetho, ngaphezu kwalokho kunezinombolo zabanye. Ngokufanayo - inani le-cadastral ne-insured yenjongo. Kwamanye amacala, ukukhishwa kwemali kunqunywe. Izici zokunquma imakethe kanye nenani lokutshala izimali esivele sibheke ngenhla. Endabeni yezingcebo, imigomo ejwayelekile kanye nezinqubo ngendlela yabo ngokuvamile zifana nalabo asetshenziselwa ukulinganisa ibhizinisi. Kusetshenziselwa kuphela uma kusetshenziselwa lokho okushiwo imakethe ehambelanayo: "ukuncintisana" kufakwe esikhundleni "isimo" (izinga lokulungisa, izinto zokuqeda kanye nekhwalithi yayo, njll.), "Inzuzo" - "ukubonga" okulindelekile.

Masifunde manje ukuthi ukubalwa kwezibalo ze-cadastral, umshuwalense kanye namanani okwehliswa kwemali kwenziwa. Bonke banezinto ezithile. Inhlobo ngayinye yenani elinqunyiwe lalabo abalulwe libhekene nezici ezisezingeni lesindlela zokulinganisela. Cabanga ngabo.

Uma sikhuluma ngenani le-cadastral ye-real estate, i-appraiser ithatha njengesisekelo izindlela eziboniswa emithonjeni efanele yezomthetho, izincomo zoMnyango Wezezimali nezinye izinhlaka ezibhekele ukusetshenziswa kwelwazi olufanele ezindlini. Kwezinye izimo, izinqubo eziyizici zokunquma inani lemakethe yezinto zingase zihileleke. Amaphepha ahlukahlukene ezobuchwepheshe angafundiswa .

Uma umsebenzi ukucacisa ukubaluleka komshuwalense we-real estate, kulokhu, njengomthetho, i-appraiser iqondiswa ngokuyinhloko ngezindlela zemakethe, kodwa ngokuchitshiyelwa kokuqukethwe okwenziwe kokuthenga nokudayiswa kwempahla. Isibonelo, uma umuntu ethenga indawo yokuhlala, imali kuphela yesikweletu ingabalwa kwinani lemshuwalense. Futhi ngalesi simo, isisekelo esifanayo sokubala inani ngaphansi kwenkontileka nabanomshwalense kungase kube ngaphansi kunalokho uma inani lemakethe lefulethi lithathwa njengesisekelo sesisekelo.

I-Mortgage iyisibonelo sezingxenye zemakethe lapho inani lokukhipha impahla lingaba lusizo kakhulu ngezifundo zokuthengiswa komthetho. Uma kwenzeka, ngokwesibonelo, abantu ngabanye noma izinhlangano zehluleka ukuhlangabezana nezimo zokukhokha izikweletu, ibhange cishe linquma ukuthengiswa kwempahla efungelwe. Ngaphambi kokusayina kokuthengiswa kwemali mboleko, isikhungo sezezimali cishe sifisa ukuhlaziya amathemba okukhipha ingxenye yephrojekthi.

Kodwa-ke, phawula ukuthi abanye ochwepheshe bacabanga ukuthi akufanele ukusebenzisa igama elithi "value liquidation" maqondana nokuthengiswa kwezindlu zangempela lapho uxhumana namabhange. Iqiniso liwukuthi ngokuzenzakalelayo isivumelwano sokuboleka imali asisho ukuthi ukudluliselwa kwezindlu kudingekile kubunikazi bebhange - kungumlinganiso wesikhashana wesikweletu. Ngenkathi ifomu layo elihlanzekile, inani lokukhishwa kwemali lisho ukubalwa kwentengo lapho umnikazi wento (isibonelo, ibhizinisi) angathengisa impahla yakhe (ukuthi, ngenxa yokuqedwa kwebhizinisi). Ngakho-ke, sebenzisa igama elikulo mbuzo, ngokuqondene nomhlaba, kufanele kube ngokucophelela.

Inani - inani lihlala njalo?

Abaningi bezomnotho zanamuhla bakholelwa ukuthi cha. Uma, eqinisweni, sikhuluma ngomnotho wemakethe, lapho kunendawo yokwenza isakhiwo samahhala samanani, esekelwe ekunikezeni kanye nokufunwa. Kungakhathaliseki ukuthi yiziphi izinhlobo zezimpahla zokucwaninga ezicwaningwayo, ngayinye yazo iyinzuzo engavamile, iphuzu elilinganiselwayo ukuthi izinhlangothi zomsebenzi zingasebenzisa ngomzuzwana othile ngesikhathi. Yiqiniso, kukhona izimboni lapho ukungazitholi kwezinkomba ezifanele kungakabonakali - ngokwesibonelo, izingxenye zemakethe lapho imiyalo yezwe ibusa khona. Kodwa lokhu kunalokho, okuhlukile. Ikhono lokuhamba esimweni esiyinkimbinkimbi semagugu ingenye yezinzuzo ezibaluleke kakhulu zokuncintisana kwanoma yiliphi ibhizinisi lesimanje.