Nabadayisi - Iyini?

Namuhla, esinye sezithunywa izinkomba main we inhlalakahle zabahlali abavamile kuba phambi ingcebo. Futhi bonke ngenxa yokuthi amanani izindlu esibhakabhakeni ezimisiwe, futhi ngaleso ezingeni ungayeki. Akukho lutho isimanga eqinisweni lokuthi kukhethwa eziningi izindlu ukulingana ne umthwalo esiphezulu - eqinisweni kwabaningi kuba cishe ukuthenga ikhaya empilweni, okungase kuphindwe.

Lapho abathengi abe nobuso imiqondo kwezindlu zamabanga aphansi naphezulu, ngaleso sikhathi, futhi uqale ukungabaza izingxabano. Othile entsha kubonakala ngcono ngenxa ongaphakeme intengo emakethe, kanye nezinye izinzuzo, akusiyo ngaphandle. Kodwa lokhu akusho ukuthi emakethe eyinhloko kungaba kubhekwe enhle, futhi yangaphambili yene flat abanokukhubazeka impahla. Sizokwenza ukuqonda ukuthi kuyinto izindlu yesibili, iziphi, ubuhle nobubi bayo.

Nabadayisi - Iyini?

Ukuze uqale nge siyowuqonda kakhulu umqondo. Kwabaningi, secondary emakethe yezindlu kungenziwa zimelelwa kuphela esikhwameni zokuhlala ezindala. Okungukuthi, futhi zazo kusakhiwo esisha nezimo zokuphila yesimanje futhi kungaba kungabaza. Ngaphezu kwalokho ukuza nezinqolobane zommbila ubudala, amamitha, izintambo futhi amapayipi. Omakhelwane babo bampofu, kuyilapho kobuntu entsha ezingabazisayo musa wehlise umoya.

Ngokungangabazeki, lezi zitatimende bakhethe amanye iqiniso. Kodwa ngisho on the yesibili emakethe efulethini efulethini ezahlukene. Nabadayisi - okusho ukuthi impahla usevele wenza ngu ubunikazi. Lokho umehluko oyinhloko ohlukanisa oluyinhloko kusuka emakethe yesibili, - khona ukuqopha esabelweni kwempahla Uniform State Register.

Le ndlu, lesibili ngesandla - ngaso sonke isikhathi "ezindala"?

Kungani ungacabangi ukuthi emakethe yesibili - kungcono nakanjani ubudala, indlu ezigugile? Ngenxa yokuthi indawo isakhiwo kungaba futhi ex-ephethwe - ngaphandle akekho ethengisa brand indlu entsha endlini elalisanda kwakhiwa ngenxa ukuthutha noma ezinye izici? Ngaphezu kwalokho, uma esengene kokusebenza amakhaya amasha kungukuthi wathengisa zonke zokuhlala, unjiniyela udonsa ubunikazi uwedwa, kungekho izindlu omunye matasa ngokuzenzakalelayo sekuqalile isimo yesibili.

Yiziphi amafulethi emakethe yesibili?

Nabadayisi - ukukhethwa ocebile zokuhlala, lwezigaba ezahlukene kanye nezici. ochwepheshe yemizi ziye zakhomba eziningi uhlobo yayo emakethe, oluthathwa by nezici zabo ezingokomzimba kanye ezingeni izindleko:

• Low-grade izindlu - Ezindlini ezakhiweni ezakhiwe ngonyaka ubudala, ukuphakama 2-3 izibuya. Ezindaweni ezinjalo zivame ukungabi izidingonqangi - kwamanzi nokuthuthwa kwendle. Ukushisisa amakhaya ngokuvamile eyenziwa Ukushisa kuhhavini.
• Igumbi elisezingeni elejwayelekile - zezindlu ezivamile yesibili, elilodwa elalingaphandle noma amabili okulala ezindlini endaweni ejwayelekile ephezulu liphumele izindlu 5-16 phansi.
• Amakamelo okulala awabange uhlobo ngcono - yokuhlala ezindlini yesimanje futhi ejwayelekile, lapho induduzo anda. Libhekene izinqolobane uhlobo kwawokugcina izimpahla futhi sigqoka, futhi inombolo enkulu temathoyilethi kuka ezindaweni evamile.
• Okunethezeka nezindlu - ingcebo ekilasini Isici okuyinto ukutholakala elicwengiweyo wendawo endaweni, yokupaka, concierge nonogada. Imizi okunethezeka ngokuvamile akukho ezindlini ezingaphezu kwezingu-30.

Ezinye izici ezinomthelela zamanani

Kumele kukhunjulwe ukuthi intengo amafulethi ingase yehluke kuye ngesistimu indawo endlini futhi ukutholakala ingqalasizinda endaweni kwezindlu. Ngakho, hlobo ukhululekile futhi kahle lokulala efulethini ngcono, esisogwini emaphethelweni omuzi, kungamenza alahlekelwe kancane kakhulu kunalokho odnushka nesizotha endlini kusakhiwo ubudala maphakathi. Intengo sithinta isimo somzimba izakhiwo kanye endaweni yabo.

Yiziphi bokwenza ezindlini emakethe yesibili?

Vumela izindlu yesibili - izindlu awukona ngempela "ekilasini lesibili", kodwa futhi ezinye yokuntula impahla esinjalo sintula. Ngeke acabangele izinkinga nezindlela zokuxhumana ezakhiweni ezindala ngempela. Njengoba isibonelo, cabanga efulethini ukhululekile endlini isakhiwo fresh. Ngisho lapha abanikazi abasha bangalindela izingibe:

• Ezingcolile 'umlando kwezomthetho "efulethini. Sekuyisikhathi eside izindaba ezaziwa mayelana abanikazi ingcebo, idonsa izigwebo zayo ezindaweni hhayi kude kangaka, noma ukuba umtholampilo zengqondo. Kule umbono, izindlu yesibili - kungcono okwekati esikhwameni.
• izikweletu esivelele Tinsita nezinye izinkokhelo, bailiffs abopha indlu vu ngezinsolo zokungakhokhi izikweletu.
• Okudwetshelwe amafomu ngenxa efulethini. Uma leli qiniso izonqunywa emva ukuthengwa kubanikazi abasha, inkontileka yokuthengisa kuyothathwa ayivumelekile futhi kokwenziwe kukhanselwe.
• omakhelwane amathuba. Othile inkinga enjalo ingase ibonakale iwubala. Kodwa-poll ukukhombisa omakhelwane yomphakathi, kube nomsindo futhi ihlazo ngokuvamile avuse abanye abantu inkululeko yokushintsha indawo yokuhlala.
• Inani. Zithanda noma zingathandi, nemizi emibili engabizi kungaba Stalin noma Khrushchev namapayipi ubudala futhi ibuthuntu. Kwezinye izimo, izindleko zokuhlala emakethe yesibili amakhaya amasha lingaphezulu kakhulu izindleko zokuhlala hhayi ethunywe.
• Enye trifle akumnandi kakhulu, musa imali yakho uma uthenga ifulethi: nemizi emibili ngaphandle labalamuli namuhla cishe engenakwenzeka ukuthenga. Abanikazi bezindawo uncamela ujike ochwepheshe ukuthengisa impahla yakho ngokushesha. Futhi engeza ukuba izindleko ukuthunywa kwabo - okusebenza ngenxa ingcebo ejenti ubani okumele akhokhe.

Izinzuzo emakethe yezindlu yesibili

Naphezu nokushiyeka, ingcebo ochwepheshe ngenkuthalo ukuvikela emakethe yesibili. Lena ezinengqondo ngokuphelele:

• Kukhona izipesheli eziningi emakethe. Lokhu kuvumela umthengi ukukhetha esifundeni, isigaba kanye nohlobo yokuhlala ezokwenza bahlangabezane nezidingo zabo.
• Mortgage izindlu yesibili itholakala kalula futhi ngamanani aphansi. Lokhu kungenxa ingozi ephansi ngoba ibhange ekuphetheni ukuthengiselana ingcebo.
• Le ndlu itholakala abakhangisa ngokuthi "thenga futhi siphile" Imodi. Ngokuphambene nokuya kulesi sakhiwo esisha lapho endlini ayikalungi, ngokuvumelana imibhalo efulethini ayikabi bikho okwamanje, futhi ngemva ngokubeka ukusebenza ngokuvamile kudinga eside kokuphothula umsebenzi.
• Izindleko amakhaya yesibili ngokuqinisekile kuka intengo efulethini isakhiwo esisha, kodwa lokhu inxephezelwa yokuntuleka izindleko ezidingekayo ukuze lilungiswe futhi aliqede.

Njengoba amabhange kukhona emakethe yesibili?

Njengoba kakade waphawula, mortgage izindlu yesibili inikezwe nge-credit izikhungo kungenzeka kakhulu ukwedlula isakhiwo esisha. Lokhu kungenxa yezizathu eziningana. Okokuqala, emakethe entsha yezindlu ibuyekeziwe ijubane kancane, nge emakethe yesibili inikeza Ukukhetha eziningi imikhakha ehlukahlukene intengo.

Okwesibili, izindlu, okuyinto kuphela ukhona kule projekthi, njengoba kunjalo izakhiwo ezintsha, ingabe abanye engozini ngoba nje ebhange. Credit izikhungo bakhethwa ngokucophelela onjiniyela sebenzisana, kodwa izimo ezingalindelekile sonke sibhekana.

izimangalo Banks 'emakethe yesibili

Kodwa futhi ukuvakashela efulethini ephethwe izinhlangano credit abeke izimfuno zabo. Phela, ingcebo sekuba isiqinisekiso ebhange phakathi naso sonke isikhathi loan. Uma kwenzeka ukuthi lo muntu obolekayo kuyoba yimali ngokwezimali, ibhange uzophoqeleka ukusebenzisa isibambiso hhayi ukuba zilimale. Ngakho-ke, indlu kumele ihlangabezane izici ezithile emzimbeni, ukuze kungabikho lutho oluphazamisa uvinjelwe kabusha kwalo okwalandela.

• Indlu lapho umboleki ihlela ukuthenga indlu, ukuba kwakhiwe kuka 1957.
• Okuphoqelekile imfuneko - khona zonke izinto zokuxhumana nabantu yesimanje. IBhange akuthathi e yisibambiso indlu lapho azikho bamanzi ashisayo nabandayo, Ukushisa kanye nezindlu zangasese.
• Ngesikhathi yokukhokha egcwele mortgage endlini lapho efulethini itholakala, akufanele ngokwenyama igugile ngaphezu kuka-70%.

Kuthiwani ubumsulwa wezomthetho impahla?

Amabhange izidingo kanye nomlando zezomthetho efulethini - akukho zindleko kuvumelekile. Ukubhalisa ayivunyelwe ezakhiweni besithathu, kanye khona ukuboshwa noma isibambiso izivumelwano nezinye izikhungo credit. Ngaphezu kwalokho, ibhange kuzodinga wonke amadokhumenti omthetho futhi uhlole kubo amaphutha kanye ukungalungi khona. Kuyinto esandleni nabanikazi esizayo - bazoyithola izinga proven ifulethi ukuthi alibonisi up zikhathi ezingemnandi ngokuhamba kwesikhathi.