Isihloko umshwalense lapho uthenga ifulethi: inqubomgomo design, izimo

Lamuhla sitawubuka umbuzo okuthakazelisa kakhulu - ingcebo umshwalense isihloko. Kuyini futhi kungani udinga ukuba?

Ngokuyinhloko, lokhu isihloko angase abe nesithakazelo kuwo labo abahlela ukutshala isivuno sisiningi kakhulu khona izimali ingcebo. Uma esikhathini esizayo esiseduze nawe uhlela ukuthola ubunikazi ifulethi, indlu noma cottage umhlaba - umshwalense isihloko angakuvikela izinkathazo eziningi.

Iqiniso liwukuthi uma uthenga indlu, ubunikazi okuyinto ishintshile ngokuphindaphindiwe umnikazi walo, uzibeka esimweni esiyingozi. Ilungelo lakho ukuthola impahla kungenzeka inselele noma nini omunye wabanikazi odlule. On the ngezizathu ke kungenziwa isethwe. Umshwalense we amalungelo endawo izihloko is nje okuhloswe ukukusindisa ezingozini ezinjalo. Ake niqonde kabanzi.

Uyini Umshuwalense isihloko

Ngakho, kwakushiwo ukuthini igama elithi "ingcebo isihloko umshwalense"? Kuyini lokhu? ngokuthi Ngakho umkhiqizo umshwalense enikezela isivikelo ubungozi bokulahlekelwa ilungelo impahla, uma kuthengiselana kwakumelwe inselele futhi nilenze. Kuyathakazelisa ukuthi somgomo wokusetshenziswa kwezilimi eziningi ivikela umuntu hhayi kulokho okungase kwenzeke esikhathini esizayo futhi nangemiphumela engaba khona ngalokho osekwenzekile kakade esisodwa. Ngesikhathi inkontileka umshwalense isihloko izenzakalo ezinjalo akwaziwa ukuthi yimiphi amaqembu kanye akusho ukuzibonakalisa.

Igama livela Inqubomgomo esachazwa ibinzana "title zomthetho", okusho ukuthi idokhumenti eqinisekisa ilungelo elehlukile isakhiwo ubunikazi ethize.

Kuze kube manje ngokuvamile zivumelwano zenziwa ngesikhathi esifanayo isivumelwano yomshuwalense impahla. Le mpahla ngokuvamile kuncike eside izenzo zomthetho ngamaketanga. Efulethini elilodwa lingathengiswa izikhathi eziningana, abe yisisulu umnikelo, kuhlukaniswa nganoma iyiphi indlela, ifa nokudluliselwa isuka kwesinye isandla iye, esekelwe isinqumo kokushintsha ezobulungiswa. Uma ezinganembile zomthetho kunoma yiziphi lezi zinyathelo, akusiyo kuphela lokhu kuthengiselana ethile, kodwa futhi wonke ingase okwalandela inselele futhi nilenze. Ngenxa yalokho lezi zinyathelo kumnikazi wamanje impahla ophucwa ilungelo ukuthola impahla. umshwalense Isihloko, okuyinto libuyekeza omuhle kakhulu, nje futhi ivikela umnikazi ngokumelene ingozi le.

Kungani-ke

Umphumela eyinhloko ukuthi umuntu uthola kusukela kulolu hlobo lwenkonzo - isinxephezelo ukulahlekelwa kuzona uma kwenzeka ukulahlekelwa impahla ukuthola indawo, indlu noma cottage. Ngaphezu kwalokho, ezinye isinxephezelo ezihlobene nokubuyiselwa ukulahlekelwa eyengeziwe ehambisana ne-umcimbi insured kungenziwa enikeziwe in the inkontileka.

Umshwalense icala kuyaqapheleka Eqinisweni ibhalwe ukuthi wahlupheka umonakalo langempela elihlobene ne-ukulahlekelwa (ngokugcwele noma ngokwengxenye) ubunikazi izindlu. Lapho lokhu kwenzeka, kungakhathaliseki ukholo lwakho ngesisekelo isinqumo senkantolo, ongene amandla.

Kusukela lokho umshwalense isihloko ivikela

Ukuthola noma iyiphi impahla, ikakhulukazi kwezezindlu, kudinga esinokulinganisela kanye wemfanelo. Kubalulekile ukuba acabangele yonke imininingwane, zonke izinkinga kungenzeka. Ngokusho izibalo ezisemthethweni kancane amaphesenti angaphezu kwelilodwa okwenziwe ingcebo, inkantolo yaqaphela njengokuthi engavumelekile. Kubonakala sengathi kancane, kodwa uma akubahluphi wena uqobo.

ingase ibe khona ehlukile Izizathu inselele. Ngokwesibonelo, ngesikhathi azimele awazange athunjelwe akhawunti izithakazelo ingane. Kuyinto kakade nsuku inselelo kuthengiselana. Futhi kungenziwa ngisho nangemva kweminyaka emibili noma emithathu.

Kusukela izikimu zokukhwabanisa ivame ukubhekana ke athole nendlu, umshwalense isihloko lapho uthenga ifulethi kuzoqinisekisa ukuthi imali oyisebenzele kanzima ekuthengeni ku ekhukhwini perekochuyut hhayi Realtors "black".

Yiqiniso, ngaphambi idili kuwufanele siyihlolisise zonke ins kanye nasemigwaqweni kwezindlu uthenge. Kodwa lokhu kungaba yinkinga kakhulu. Iqiniso lokuthi ngokuvamile ezinqolobaneni kuthiwa senqabe unikeze idatha konke ukuthenga uzibophezele ngaphambilini impahla. Bona kushukumisele ukwenqaba idatha yomnikazi zokugcina kusolakala ngokwanele. In practice, lokhu akunjalo. Kungase ukumemezela umnikazi ngisemncane kakhulu, futhi uma amalungelo bonke abanikazi okwalandela, kungakhathaliseki ukuthi ziningi kangakanani bangasoleki, okuyothiwa siyize yinkantolo. Yingakho yomshuwalense isihloko impahla kwenza inqubo yokuthengisa ephephile kakhulu.

Lapho kuthengiselana ungadlala futhi kuqede

Kunezimo eziningi lapho deal ingaze engavumelekile:

• ekuklanyweni kwemibhalo yeqiniso;
• ngoba impahla ashaqe ngoba izikweletu ezingakhokhelwa omunye wabanikazi kwangaphambili;
• efulethini yathengwa hhayi evela kumnikazi kweqiniso;
• umdayisi alisho lutho olunye ukungavumelani ka "nengxenye yesibili" lakhe lokufeza lokhu kuthenga;
• sathenga indlu ukuzisholo izindlalifa nabanikazi yangaphambili.

Kwezinye Kwezinye izimo, efulethini umshwalense isihloko Ungase futhi uvikelekile ku umnikazi omusha kusuka umonakalo owabangelwa ekulahlekeni noma umkhawukho wesikhathi amalungelo impahla:

1. Ngesikhathi kuthengiselana umdayisi ingane, yena wayehlushwa isifo isifo sengqondo noma lwalulinganiselwe ngokwesikhundla ukwenza yikomiti yokwahlulela.
2. Imibhalo abadonsekela up ephula umtsetfo lokhona.
3. Lost amandla umphatheli kwesokudla, ezimweni lapho ukuthenga eyenziwe umdayisi akuyona mathupha.
4. I Kwenziwa isivumelwano ngomgunyathi noma ngaphansi kwethonya udlame noma izinsongo.

Ukuthi kubiza malini

Ngakho usukhethe ukukhipha umshwalense isihloko. Ingakanani somgomo wokusetshenziswa kwezilimi eziningi, futhi yini ukubaluleka kwalo engaphansi? Inani umshwalense esithathwayo ngesisekelo isivumelwano phakathi kwezinhlangano. Ezimweni eziningi, it ihambelana enye yalezi nemingcele:

• emakethe (langempela) enanini lomuzi ngesikhathi ukusayina inkontileka;
• izindleko yokufuna izindlu ezinjalo (esikhundleni izindleko);
• esikhundleni izindleko, ie lemali edingekayo ukuze kwakhiwe into efanayo;
• enanini elihlongozwe isivumelwano sesikweletu (uma okulindile);
• izindlu izindleko ngaphansi kwesivumelwano, zazitholakala ngaphansi okuyinto ubunikazi.

Yini kuthinta usayizi izinga umshwalense

Inkokhelo ukuthi kufanele wenze njengenhlangano umshwalense futhi incike nemingcele eziningana:

• Inani isamba oVikelwe;
• inani ingozi kubonelelwe isivumelwano;
• umlando indlu noma ifulethi (inani abanikazi odlule);
• ukutholakala Franchise kanye lingakanani;
• izici zokulawula nohlaka olubhekele ezazikhona ngesikhathi okwenziwe okudlule noma azimele;
• elithi kwenqubomgomo.

Kuye zonke lezi zici, lo wemali for umshwalense isihloko ingabalwa ngesilinganiso esingamaphesenti 0.1 kuya 5% of the isamba oVikelwe. Konke kuncike kule mibandela yesivumelwano.

imithetho design

Lolu hlobo umshuwalense ofanele hhayi kuphela endabeni yokufuna izindlu emakethe yesibili. yemizi umshwalense isihloko uyokuvikela kanye lapho ukuthenga ekhaya isakhiwo esisha. Kubulawa lesifanele yesivumelwano kufanele uzilungiselele:

1. Idokodo eqinisekisa ilungelo ubunikazi fa (zokuthenga, isipho, ifa, njll).
2. Isitifiketi sokubhalisa isimo.
3. Idatha ishidi izindlu.
4. Okukhishwa ezinhlamvwini irejista endlini.
5. Uhlelo yendlu noma umhlaba (uma kuziwa umshwalense yalezi izinto).

Okufanele ukwenze uma umcimbi kwesamba

Uma kwakuba khona isimo lapho umshuwalense isihloko namanje Ukugunda, kufanele ngokushesha azise IC yakho. Udinga uqobo eze round ngokushesha ngangokunokwenzeka ukunikeza lezi zincwadi ezilandelayo:

• iphasiphothi kazwelonke noma ezinye ubufakazi ubuwena;
• inkontileka oluvumelekile umshwalense isihloko;
• original futhi ikhophi isinqumo senkantolo liqine Iqiniso kuhlukaniswa komhiaba kuluthola.

Ngemva Ukuhlolisisa imibhalo SC liyadingeka ukukhokha imali egcwele inkontileka. Ngaphezu kwalokho, uma umshwalense kwahlanganiswa entweni isinxephezelo nezinye izindleko, ezifana nezindleko zomthetho, imali uzophinde angabuyiselwa.

Izici ukuphepha

Ngeshwa, inkontileka umshwalense isihloko akuyona lithandwa kakhulu ezweni lethu. Ngaphezu kwalokho, abantu abaningi ngisho ukuthi akhona ngokuthi kwakungenzeka lokhu. Ngakho-ke, ekuphetheni inkontileka umshwalense ngokuvamile benza amaphutha, khona okuholela emiphumeleni emibi kakhulu lapho umcimbi insured.

Ngesikhathi ukusayina yesivumelwano kufanele sinake la maphuzu alandelayo:

1. Akubalulekile ukuba asayine isivumelwano lapho kukhona uhlu oluphelele izingozi umshwalense. Kungenzeka ukuthi abanye isimo ngeke neze ucatshangelwe, okuyinto kamuva kuholele uyaphika yokukhokha. Kungcono uma inkontileka uzobe icacise ukuthi isinxephezelo kungaphansi ukulahlekelwa amalungelo endawo, kungakhathaliseki ukuthi iyini imbangela.
2. Ezinye UK ukunikela inqubomgomo, okuyinto ubeka ukuthi isinxephezelo kuyadingeka kuphela okwenziwe nge iqhaza yakho eqondile. Ingase futhi esilimaza irisidi yokukhokha.
3. Kaningi ekuphetheni izindlu nezindawo ukuthengiselana kwinkontileka sinquma inani mancane kakhulu kunalawo empeleni. Kuyinto efanayo ukunciphisa inani lentela. Ngakho-ke, uma umshwalense isihloko kubaluleke kakhulu ukungena inkontileka ukubaluleka kwangempela kuthengiselana kunokuba kulowo bhalisiwe e inkontileka yokuthengisa.

Ubuqili umshwalense isihloko nge mortgage

Kaningi nge a mortgage amabhange adinga ikhasimende ukuba athathe ukuphila umshwalense kanye nezempilo. Lokhu akusona isimanga, ngoba ibhange unesithakazelo ukuthola imali yabo noma kunjalo. Akukho umshwalense isihloko ngokuvamile singaphoqi, ngoba akanandaba ebhange, kodwa wena. Ngisho uma kwenzeka ukuthi ukuthengwa okuyothiwa ayivumelekile, ibhange uyobuyela imali kuwe.

By endleleni, uma umshwalense mortgage isihloko kuzuzisa kakhulu ukuba umthengi. Phela, ngaphambi isivumelwano womshuwalense ubophekile ukuba siyihlolisise yonke imininingwane yalokho kuthengiselana esimweni ezihlinzeka ikhasimende ngosizo ummeli oqeqeshiwe. Ngokuvamile, benza konke abangakwenza ukuze ugweme okuvela kuyo umcimbi insured.

Insuring mortgage isihloko Kumele kukhunjulwe ukuthi esikhathini inkontileka Udinga ukufaka lemali hhayi ngaphansi kuka ukuthi kuyodingeka bakhokhe ekugcineni. Yebo, futhi inkontileka umshwalense kumele waphetha for sikhathi.

Lapho umshwalense ngeke ukusiza?

umshwalense Isihloko akuyona panacea ngokuphelele. Ngeshwa, zikhona izingozi okuyiwona akusebenzi. Uma ngemuva kokuthenga impahla kukhona encumbrance ukuthi ongakaphathelani balahlekelwa impahla yabo, inqubomgomo isihloko ngeke kukusize. Kusho ukuthini?

Nasi isibonelo esincane. Wathengela ifulethi, futhi ngemva kweminyaka emithathu kwatholakala ukuthi kubhaliswe omunye umuntu (ngaphandle ubunikazi). Ngesikhathi kuthengiselana ke engekho (isib ejele noma kwakudingeka basebenze phesheya), futhi manje emuva. Uma uhlala kwenye indawo, ngokuhambisana sihloko wamashumi amane soMthethosisekelo, kuyodingeka ilungelo bahlala ekhaya lakho. Kulesisimo-ke, lesi simo ngeke obonwa umcimbi insured, njengoba kwenza akekho othi ubunikazi.

Ngakho, musa ukufunda ukubala umshwalense isihloko njengoba panacea for zonke izifo. Ukuze ugweme izimo ezingemnandi, udinga ukwenza inombolo enkulu yemizamo siqu ukuze azivikele zonke izingozi.