Ungalithengisa kanjani ngokushesha futhi ngokunenzuzo ifulethi - imiyalo yesinyathelo ngesinyathelo yokuthengisa ifulethi ngaphandle kokubamba iqhaza kwabalamuli + uhlu lwamadokhumenti

Sawubona bafundi abathandekayo be-Ideas for Life kumagazini oku-inthanethi! Lokhu okuthunyelwe kumayelana nesihloko esishisayo - ungathengisa kanjani ngokushesha indlu enenzuzo.

Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!

Lapho sikhuluma ngeqiniso lokuthi indawo yokuhlala idinga ukuthengiswa, hhayi nje ngokushesha, kepha futhi nangemigomo evumayo, khona-ke lawa magama amabili abonakala engahambelani ngandlela thile. Okokuqala, kufanele uzethembe wena wedwa, bese kuphela ama-ejensi, noma abathengisi bezobuchwepheshe, abangathathi umvuzo omncane ngezinsizakalo zabo.

Ukuze ukuthengiselana kudlule ngaphandle kwesixakaxaka futhi kungaphikisani nezifiso ezilindelekile, into yokuqala okufanele uzibuze yona ukuthi: iklayenti elingaba khona lilindeleni kuwe futhi ungakusheshisa kanjani ukuthengiselana?

Kulesi sihloko, uzofunda:

• Thengisa ifulethi ngokushesha nangokunenzuzo ngangokunokwenzeka;
• Imiphi imibhalo edinga ukuqoqwa ukuthengiswa kwefulethi (uhlu);
• Ungayithengisa kanjani ifulethi ngokwakho ngaphandle kwabalamuli: abathengisi bezindlu, abenzeli, abathengisi;
• Ngaphansi kwaziphi izimo nokuthi ungalithengisa kanjani ifulethi kubambiso.

Futhi usebenzisa imiyalo yesinyathelo ngesinyathelo yokuthengisa ifulethi, ungathengisa kalula impahla yakho ngokushesha nangokubiza ngangokunokwenzeka.

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Ungalithengisa kanjani ngokushesha futhi ngokunenzuzo ifulethi ngaphandle kwabathengisi bezindlu nabaxhumanisi - uhlu lwamadokhumenti + umhlahlandlela onemininingwane

1. Ukuthengisa ifulethi - ukuqala kuphi nokuthi yini okudingeka uyinake 📌

Uma usebenzise izinsizakalo ze- "From hand to hand" noma, ngokwesibonelo, "Avito", lapho uthengisa okuthile noma imoto, khona-ke ngeke ube nobunzima ekuthengiseni ifulethi uwedwa ngaphandle kokubamba iqhaza kwabalamuli. Lapha okuyinhloko - ukuqonda ubunzima bezimakethe zezindlu.

Ngokusho kochwepheshe abaningi, akunakwenzeka ukuthengisa izindlu ngenzuzo nangesikhathi esifushane. Uma kunjalo, unomthengi olungele ukukunikeza inani olifunayo, khona-ke kungenzeka kube yinhlanhla, hhayi ikhono lakho lokuba umthengisi wezezakhiwo.

Qaphela!

Ngokwenzayo, kungenzeka uqaphele ifulethi ezinsukwini ezimbalwa, kepha kuzodingeka ulahle uhhafu wezindleko zalo.

Kepha, uma ufuna ukukhipha imali enhle yendlu yakho, lapho-ke kufanele uzilungiselele iqiniso lokuthi kuzofanela ulinde ukuthola igama elithi "lowo mthengi". Lokhu kungathatha isikhathi esingaphezu kwenyanga, lapho kuzokwazi ukulungiselela yonke imibhalo edingekayo.

Ngaphambi kokuthengisa izindlu nomhlaba, kufanele ucabangele izici zayo. Kunzima kakhulu ukubona igumbi elisendlini yomphakathi kunefulethi elilula elinemibhede emibili maphakathi noma indlu yedolobha.

Namuhla, uhlu lwezindawo ezithandwa kakhulu luholwa amafulethi ayigumbi elilodwa asezindaweni zokuhlala ezithulile zedolobha.

Ngaphezu kwalokho, kunconywa ukuthi unake ukuguquguquka kwesizini ngezikhathi ezithile emakethe. Ngesikhathi samaholide ehlobo kanye namaholide kaKhisimusi, isidingo sezindlu sehla kakhulu. Ngasikhathi sinye, amanani entengo ehla ngokushesha, ngakho-ke akukho mbuzo wesivumelwano esinenzuzo.

Kusuka kukho konke lokhu okungenhla, umuntu angafinyelela esiphethweni esisodwa: ngaphambi kokuba uqale ukuthengisa ifulethi, funda ngokucophelela imakethe yezezakhiwo.

2. Ithengiswa kanjani ifulethi - ngaphandle kwabalamuli (ngokuzimela) noma nge-ejensi yezezindlu ❔

Abaningi bethu bacabanga ukuthi basebenzise usizo lwe-ejensi lapho bethengisa ifulethi noma bazenzele konke? Ngemuva kwakho konke, akukho lutho oluyinkimbinkimbi lapha.

Ekuqaleni kungabonakala sengathi akukho lutho olunzima ekuthengiseni ikhaya, kodwa ngeshwa lokhu akunjalo. Ukuthengisa ifulethi ngenzuzo futhi ngesikhathi esifushane, kuzofanele uzame. Ngempela, kunezingibe ekuthengisweni kwezindlu.

2.1. Ubuhle nobubi bokuzithengisela ifulethi

Ukucaca, sethula leli thebula elilandelayo:"Izinzuzo nobubi bokuzidayisela ifulethi ngosizo lomthengisi (umxhumanisi)".

Manje ake sibhekisise:

• Ukuhlola okufanele kwezindlu. Ngemuva kwakho konke, akekho ofuna ukulahlekelwa yimali, ngoba nje abakwazanga ukuhlola kahle impahla yabo. Nesikhathi sokuchitha ekuthengiseni izakhiwo, intengo yazo iphezulu kakhulu. Ngakho-ke, indlela elungile yokulinganisa kuyisihluthulelo sokwenziwe ngempumelelo.
• Isikhathi. Ngokwesibonelo, uhlolisise kahle indlu, amaklayenti aqala ukuxhumana nawe. Kepha lokhu akuwona umsebenzi, ukuze ukhombise izindlu kufanele uthathe ikhefu emsebenzini, kepha ukuze ugcwalise yonke imibhalo efanelekile yokuthengisa ifulethi, uzodinga ukuthatha iholide.
• Izindleko ezikhokhelwa kusengaphambili. Unomthengi ongaba ngumthengi okufanele uthathe kuye imali njengobufakazi bobucayi bezinhloso zakhe zokuthenga ifulethi - idiphozi kulokho okwenziwayo. Kepha ababaningi abantu abazimisele ukukhokha kusengaphambili kumuntu othile emakethe yezindlu, njengoba abaningi besaba inkohliso. Kepha lesi sigaba singanqotshwa ngaphandle kwezinkinga, ngemuva kokusayina inkontileka nokubheka imibhalo yendlu yakho, iklayenti lizozola futhi likunikeze idiphozi.
• Ulwazi lwama-nuances emakethe ye-real estate. Manje sikhuluma ngesigaba sokulungiselela ngaphambi kokuthengiselana. Uma iklayenti lakho linokheshi lokuthenga izindlu nomhlaba, khona-ke akumele kube nezinkinga, kepha uma uthenga izakhiwo usebenzisa izimali ezibolekwe esikhungweni sesikweletu noma usebenzisa imali yomndeni. Sekuvele kunama-nuances lapha odinga nje ukuwazi. Uma ukwazi ukusingatha lokhu, ngakho-ke, ngokuvamile, akuyona inkinga.
• Nini ukudweba inkontileka udinga ukuxhumana nommeli onolwazi, ngoba ngeke ukwazi ukuqonda konke okucashile futhi ucabangele ama-nuances wokuthengiselana uwedwa, ngaphandle kokuthi, wena uqobo, unemfundo yezomthetho.
• Ukuqoqwa kwemibhalo edingekayo yokuthengiselana. Ngaphezu kwenkontileka yokuthengwa kwezindlu, kuzodingeka imibhalo umthengi azoyicela, kuye ngokuthengiselana: ukheshi, imali ebanjiswayo kanye nemali yokubeletha. Uma unesikhathi samahhala, ungasiphatha kalula.
• Ukuhlala phakathi komthengi nomthengisi. Lesi sigaba yisona esinomthwalo omkhulu wemfanelo, lapha kungcono ukhethe ibhange elizokunikeza ibhokisi lediphozi eliphephile. Isivumelwano sizophothulwa kuleli cala ngaphandle kwezinkinga. Futhi, inkokhelo ethembekile phakathi komthengi nomthengisi incwadi yesikweletu nezinye izindlela zokukhokha ngaphandle kwemali.
• Ukubhaliswa kwenkontileka yokuthengisa ifulethi. Isigaba sokugcina sokuthengiselana, ngemuva kwalokho uzothola inani olifunayo lempahla yakho yangaphambili.

Uma uzwa ukuthi awunaso isikhathi samahhala, futhi awazi lutho ngemakethe yezezakhiwo, khona-ke kungcono ukuthi ubheke kochwepheshe ukuze uthole usizo. Futhi ngakho-ke kuthathe.

2.2. Izeluleko ezi-5 eziwusizo zalabo abanquma ukuthengisa ifulethi ngaphandle kwabalamuli

Yimaphi amaphutha angadingi ukwenziwa ukuze kuthengiswe izindlu nomhlaba ukuze kuphumelele:

• Musa ukweqisa izindleko zezindluokungesilo iqiniso nje. Uma ifulethi lisemaphethelweni edolobha, esitezi sokugcina futhi lidinga ukulungiswa okuphuthumayo, umthengi ngeke akwazi ukulithenga ngentengo yempahla entsha. Ukuhlola okwanele kuyisihluthulelo sokuthengiselana okuyimpumelelo.
• Akufanele ubeke izindlu ezithengiswayo "ezinezinkinga". Lungisa yonke imikhondo ngemibhalo, ngaphandle kwalokho ungalahlekelwa iklayenti elilungele ukukunikeza inani olifunayo. Ngaphandle kwalokho, kuzofanele wehlise intengo.
• Funda imakethe yezezakhiwo ukuze uthole ukuhlolwa okwanele.
• Sicela ubekezele.
• Ukuthengiselana kokuthengiselana, kufanele ihambisane nommeli onolwazi.

Ngokuya ngale mithetho elula, ukuthengwa nokuthengiswa kwefulethi kuzoshesha futhi kube lula.

Amathiphu awusizo avela kochwepheshe bezezindlu ukukusiza uthengise indlu yakho ngokushesha

3. Ungalithengisa kanjani ngokushesha ifulethi - iseluleko esivela kumphathi onguchwepheshe professional

Unquma ukuthengisa ikhaya lakho wedwa ngokushesha futhi okubaluleke kakhulu, kuyabiza. Kungenzeka yini? Yebo, lesi yisifiso esingenzeka ngokuphelele. Ngaphambi nje kokukuthengisa, kufanele ulandele eminye yemithetho yabathengisi bezindlu - ochwepheshe emkhakheni wokuthenga nokuthengisa izindlu nomhlaba.

Ithiphu 1. Setha inani elifanele

Ukuthengisa izindlu nomhlaba ngesikhathi esifushane, kufanele usethe inani elanele - elingabizi ngokweqile, kepha-ke, lingabekelwa phansi, kepha lihambelana nezindleko ezijwayelekile zento emakethe yezakhiwo endaweni lapho kuhlala khona izindlu, phansi nohlobo lwesakhiwo.

Ukuhlola kungenziwa ngaphandle kosizo lochwepheshe, kepha uma ungabaza ulwazi lwakho namandla, kungcono uphendukele kochwepheshe abaqondiswa kunqubomgomo yamanani futhi bangeluleka ngokushesha ngalolu daba, banikeze ukuhlolwa okwanele. Ngemuva kwakho konke, kufanele wazi hhayi kuphela inani lentengo lekhaya lakho, kepha futhi nobuncane bokuhamba lapho ukhuluma nekhasimende elingaba khona.

Intengo esethwe kahle - ukuthengiswa okusheshayo, cishe amasonto ama-4, ngentengo eyehlisiwe kuze kube amasonto ama-2, kepha uma liphezulu kakhulu, yonke into ingahlala futhi kuze kube unyaka owodwa... Lokhu kufanele kukhunjulwe ngaphambi kokusetha intengo ethile ye-real estate.

Ake sicabange ukuthi ufuna ukufaka kancane inani lempahla, ngokuya ngezizathu zakho. Yini-ke esilindele yona? Ukunikezwa kuzokulengiswa emakethe isikhathi eside, kuze kube amanani entengo akhuphuka aze afike kuleli zinga, noma kuze kutholakale iklayenti lakho elikulungele ukunikela ngemali oyidingayo. Kepha lokhu kuseceleni kwenganekwane, ngoba konke okwenziwayo kuphethwa ngamanani anele.

Ngakho-ke, ukuze usebenzise into ngokushesha futhi okubaluleke kakhulu kunenzuzo, kufanele:

• anqume izindleko zangempela ezanele zezindlu;
• thola ukuthi ungakuphika kanjani ukushiyeka kwe-real estate, hhayi esikhangisweni kuphela, kodwa futhi nasekuthintaneni nomthengi ongaba khona;
• khetha isu lokuthengisa elizocabangela izintshisekelo zakho;
• kunenzuzo futhi ngesikhathi esifushane ukuqedela okwenziwayo.

Ithiphu 2. Yenza amalungiselelo adingekayo ngaphambi kokuthengisa efulethini

Kungahle kungadingeki ukuthi kwenziwe ukulungiswa okukhulu, kepha nansi into edinga ukwenziwa:

• Ungathathi hlangothi noma iliphi iphunga elingathandeki emqondweni wephunga. Lapho abathengi abangaba khona behlola indawo, umbono wabo wokuqala wakhiwa yiphunga abalinukayo lapho besondela ekhaya. Kunoma yiliphi igumbi, ngemuva kwesikhashana, iphunga elithile labahlali lingavela, okungenzeka ukuthi ungalizwa, kepha omunye umuntu ngeke ajabule ngalo. Iphunga livela kwifenisha, emakhishini, ezindlini zangasese ngisho nakulanda. Sebevele ngokunganakile bathengise abathengi eqinisweni lokuthi lelo flethi alihambelani nabo. Izisunguli ezinkulu zephunga ngamakhethini, iphepha lodonga, ifenisha yokhuni. Lahla ukufakwa kodonga oludala bese ulimboza ngephepha lodonga elisha, elilula futhi elingabizi nhlobo, kodwa elihlanzekile, elisha futhi elilula. Gcoba i-washroom kanye nendawo yokugezela kahle. Faka umoya endaweni bese ugeza amawindi. Kepha lapha akudingekile ukuthi uhambe ibanga elide, ukuze imizamo yakho futhi, okubaluleke kakhulu, ukulungiswa kungabonakali, okungaxwayisa umthengi ongaba khona, ngenxa yalokho abangacabanga ukuthi bafuna ukufihlela okuthile kubo. Isibonelo, umlilo noma isikhukhula.
• Khulula isikhala. Kungcono ukususa "izindonga" ezindala namakhabethe kungabonakali, zifihla ngokuqinile isikhala futhi zenze umuzwa wesikwele esincane. Kepha akukufanele ukuhlanza yonke ifenisha, uma kungenjalo umthengi ongahle abe nakho angazizwa kabi egumbini elingenalutho.
• Isimo sokunethezeka nokufudumala yisiqinisekiso sesimo seklayenti. Iphunga elisha lekhofi netiye elimnandi, iphunga lewolintshi, lizodala umuzwa wokunethezeka ekhaya, likuthokozise, ​​ngaleyo ndlela likhange isivakashi engxoxweni. Inkambo enhle kakhulu yomthelela ongokwengqondo.
• Cela ukuhlanza indawo yokungena, uma ingekho indawo yokuhlanza, kuzofanele uzikhandle wena. Ngemuva kwakho konke, akuyona imfihlo ukuthi indawo yeshashalazi iqala nge-hanger yokugqoka, bese kuthengiswa izindlu nomhlaba - kusuka emnyango, ikheshi, okufanele lenze umbono omuhle futhi obaluleke kakhulu futhi ungabangeli ukunengeka.
• Khetha isikhathi esihle sokubonisa impahla yakho ngokuya ngendawo ekuyo. Uma kusehlangothini elicwathile, ngakho-ke akufanele wenze i-aphoyintimenti nekhasimende elingaba khona ntambama, kuyenzeka okufanayo uma iwindi lakho lingakhangi kangako.
• Faka kuhlu izakhiwo ezithengiswayo ngesizini ephezuluokuqala ngoSepthemba 15, ngemuva kwamaholide.

Ithiphu 3. Beka yonke imibhalo yesihloko ngokulandelana futhi uxazulule izingqinamba zezomthetho

Noma yibaphi abathengi bazokwaziswa nganoma yikuphi ukubambezeleka ngesikhathi sokuthengiselana. Ngakho-ke, kufanelekile ukunakekela imibhalo kanye namanye ama-nuances ngaphambi kwesikhathi.

Abekho abaqashi okufanele babhaliswe esigcawini.

Uma unethuba, ngaphambi kokuthengisa, zama ukubhala izihlobo zakho bese uzihlola.

Izinkinga ezinabafakizicelo bempahla ezikhona kufanele zixazululwe.

Uma ukuthuthukiswa kabusha kwenziwe, kufanele kwenziwe ngokomthetho.

Lungisa imibhalo edingekayo:

• Ama-passport omnikazi wekhaya.
• "Okusha" okukhishwe ku-USRR (Unified State Register of Real Estate).
• Isisekelo sedokhumenti eqinisekisa ilungelo lokuphothula okwenziwayo, kuya ngokuthi into leyo yaba kanjani impahla yomnikazi.
• Okukhishwe encwadini yakho yendlu.
• Isivumelwano sokuphothula ukuthengiselana ngokuthengisa izindlu, senziwe ngokusemthethweni.
• Imvume yokugada, lapho-ke umuntu omncane noma okhubazekile esebenza njengomunye wabanikazi noma umnikazi wempahla.
• Imvume yomlingani eqinisekiswe ngummeli olungisa izivumelwano.
• Isitifiketi sokubhaliswa kwezindlu.

Imibhalo elungiselelwe ngokufanele nangesikhathi iyisihluthulelo sokuqala sempumelelo yesinqumo esihle sokuthengiselana kwamafulethi. Ngempela, kulokhu, umthengi ongaba khona ngeke abe nemibuzo.

4. Ungalihlola kanjani kahle ifulethi nokuthi yiziphi izinto ezithinta izindleko zalo 📊

Ngaphambi kokuba uqale ukuthengisa izindlu, udinga ukwazi ukuthi kubiza malini endaweni yangakini nokuthi yini ethinta izici zayo zamanani. Ezinye izinto ezithinta izindleko zayo zinenhloso, okungukuthi, zizojwayeleka kuwo wonke umuntu, kanti ezinye zizoya ngecala elithile.

Akunakwenzeka ukusho ukuthi yini ngempela ezothinta izindleko zezindlu. Kepha kukhona amakhadi wecilongo angenakuphikwa azothinta inqubomgomo yamanani ekupheleni kwesivumelwano.

4.1. Yini ethinta izindleko zefulethi lapho lithengiswa

Imininingwane yangaphandle:

1. Indawo. Uma indawo yokuhlala itholakala endaweni ebincishwe amathuba noma endaweni yezimboni, lokhu kuzonciphisa kakhulu izindleko zayo. Uma kwenzeka usondele epaki, ehlathini, echibini, entweni yemvelo, intengo izokhuphuka kakhulu.
2. Ukutholakala kwesinyathelo ngesinyathelo izithuthi zomphakathi noma imetro, izindleko zikhuphuka kakhulu.
3. Ingqalasizinda ethuthukisiwe, enomphumela omuhle entengo yendawo yokuhlala lapho ithengiswa.
4. Indawo efulethini, inani lezitezi. Izindlu ezisezincazelweni zegolide zibiza kakhulu kunaphansi naphansi.
5. I-Panorama kusuka ewindini. Uma into ibhekene negceke lapho ipaki ikhona, kunezihlahla ezinhle, izinkundla zokudlala futhi akukho msindo, lokho kuzothokozisa iklayenti futhi kwandise ukufunwa. Futhi impela, kunalokho, amawindi abheke umgwaqo azothinta kabi intengo, ngoba izokwehla kakhulu.
6. Ingaphandle lendlu, ubunono bensimu nokuba khona kwendawo eluhlaza. Igceke elihle eligcinwe kahle elinenkundla yokudlala, imibhede yezimbali - ithuba lokukhuphula intengo ye-real estate. Kepha uma isitsha esinodoti sitholakala phambi komnyango wakho, intengo izokwehla kakhulu.
7. Isimo sokungena nomakhelwane. Ukuba khona kwabantu abayimilutha yezidakamizwa notshwala ngeke kujabulise noma ngubani, ngakho-ke kuzophinde kuthinte ukuthengiswa kwefulethi. Kungcono uma abathengi bethola ngalokhu ngemuva kokuphothulwa kokuthengiselana.

Izici zomuntu siqu zangaphakathi:

1. Umlando wesikhala sokuphila. Ifulethi eliguqule abanikazi abaningi lizoba ngaphansi kunaleli ebelenziwe ngasese ngumnikazi oyedwa, noma ingcebo esendlini entsha. Uma idluliselwe kubunikazi ngesinqumo senkantolo, khona-ke lokhu kuzophazamisa nokuthengiswa kwayo. Ukuthengiswa kwezindlu mahhala ngokomzimba nangokomthetho kuphumelela kakhulu kunani laso uma kuqhathaniswa nalapho kubhaliswa khona izihlobo nabanikazi abaningana, okudinga ukunakekelwa okukhethekile.
2. Ukuba khona kokulungiswa okungabizi kakhulu noma ukulungiswa. Uma kunamaphutha lapho kuqedwa, khona-ke iklayenti elingahle libe khona lingaba nombono wokuthi akekho umuntu obambe iqhaza kuleli fulethi, okuzothikameza ukuhlolwa kwalo.
3. Indlu yokugezela ehlukile, inani liwinwa yimpahla lapho igumbi lokugezela nendlu yangasese zihlukanisiwe.
4. Ikhishi elikhulu, omama abaningi bemizi, lapho bekhetha ikhaya elizayo, bakhetha kakhulu leli gumbi elithile.
5. Uphahla lwangaphakathi oluphezulu - isikhala nokukhanya, okubonakala kwandisa indawo futhi, ngokufanele, umbono wegumbi.
6. Ukuba khona kwebhalkhoni noma i-loggia. Uma une-balcony / loggia evulekile, futhi uma womabili, lokhu kuyinzuzo engakhuphula kakhulu izindleko zezindlu.
7. Yakha ikhwalithi. Izakhiwo ze-Stalinist nezindlu ze-monolithic ezinokwakha okuthakazelisayo kunqoba amaKhrushchevs, kanye nezakhiwo zezitini phambi kwezindlu zephaneli.
8. Uma igumbi linalo isakhiwo samahhala, khona-ke kukhona ithuba lokuguqulwa kwalo, okuzoba nomthelela omuhle ezindlekweni.
9. Ifulethi selikulungele ukuthengiswa. Yonke imibhalo kufanele itholakale futhi ihleleke kahle.

Vele, phakathi kwezinto ezibalwe ngenhla kukhona okubaluleke kakhulu noma okuncane, ngokuyisisekelo yonke into izoncika kokubili kumthengisi nakumthengi.

4.2. Ungahlaziya kanjani ifulethi

Ake siqale inqubo yamanani:

• Lapho uhlola izindlu, yonke into ibaluleke kakhulu: ukutholakala kwekheshi, izithuthi zomphakathi ngaphakathi kwebanga lokuhamba, izikole zamabanga aphakeme, izinkulisa... Ukuze wenze ukuhlolwa okufanele futhi okulungile, kufanele ufunde indawo eseduze nawe: isikwele, phansi, ikhwalithi yendlu... Ngaphezu kwalokho, kufanelekile ukuthola izindleko ngemitha ngayinye yesikwele bese uyiphindaphinda ngendawo yakho. Ngemuva kwalokho, uzokwazi ukucabanga kancane noma kancane ukuthi kungathengiswa kangakanani indawo yokuhlala.
• Uma uqhathanisa ifulethi lakho nezinye izinto ze-real estate, kufanele uqale ushayele bese uthola iqiniso lalesi sikhangiso. Ngemuva kwakho konke, abathengisi abaningi abaningi baya kumaqhinga anjalo ukuze ukukhuphula noma understate izindleko zezindlu. Lapha ukuhlaziywa kwezindleko zefulethi kufana nokuhlaziywa kwezindleko zemoto. (Uma unentshisekelo kulwazi olumayelana nokuthengisa imoto, funda udaba lwethu - "Uyithengisa kanjani imoto ngokushesha nangokubiza kakhulu")
• Lapho uthole izinto ezifanayo, kungcono ukucacisa izici ezikhona nama-nuances kumklamo. Ifulethi elitholwe ngenxa yefa, elinabanikazi abangafiki eminyakeni yobudala, lishibhile kunento enomlando ocacile ocacile.

Kulokhu, uzokwazi ukuhlola into ofuna ukuyidayisela cishe kuphela. Kungenzeka unqume ngokuphelele izindleko kuphela ngemuva kokuba impahla ithengisiwe.

Qaphela!

Ochwepheshe benza ukuhlolwa kube lula kakhulu, ngoba banolwazi oluningi emakethe futhi bahlala beqapha ukutholakala nokufunwa.

Ungasebenza futhi njengochwepheshe uma unesikhathi samahhala nokubekezela kwalokhu. Njenga-realtor, ungathola into efanayo futhi uthole izindleko zayo eziphansi neziphezulu.

Ungathola impahla enkulu kakhulu kuneyakho ngentengo efanayo oyicelile. Kepha uma ukwazi ukukholisa iklayenti ukuthi kufanelekile futhi uchaze ukuthi kungani ufuna le mali ngqo, ngeke uludinge usizo lochwepheshe.

Lokukhipha: isibikezelo sakho sentengo kufanele sisekelwe kuzakhiwo ezifanayo. Ngaphezu kwalokho, ungaqhathanisa ikhaya lakho nezakhiwo ezisanda kuqedwa bese uqhathanisa izibalo ezitholakele.

Senginqume ngezindleko ngosizo indlela yokuqhathanisa, ukuze ungaphazami, engeza kulokhu 5%lokho kungalahlwa njalo ngesikhathi sokuhweba. Bese ubeka isikhangiso ku-Intanethi noma ephephandabeni bese ulinda izingcingo. Uma kunezicelo ezimbalwa, izindleko zingancishiswa. Kulokhu, kukuwe ukuthi unqume ukuthi ufuna ukuthengisa impahla ngokushesha kangakanani.

Ukwehlisa intengo yefulethi isiyonke ngama-ruble angu-50 000 ungaheha abathengi abaningi abangaba khona ngenxa yalokho.

Uma, ngemuva kokulahleka ngentengo, bekukhona izingcingo eziningi, izindleko beziphansi kakhulu. Yenyuse kancane kancane.

Ungakhohlwa ukuthi amanani wempahla angashintsha njalo ngesonto, ngakho-ke ungakhohlwa ukuhlaziya imakethe, ngaphandle kwalokho ungalahlekelwa noma, kunalokho, funa iklayenti lakho isikhathi eside.

Uhlu (iphakethe) lemibhalo edingekayo yokuthengisa ifulethi

5. Yimiphi imibhalo edingekayo ukuthengisa ifulethi ngo-2020 - uhlu lwamadokhumenti adingekayo 📋

Ngokushesha lapho uthatha isinqumo sokuqala ukuthengisa izindlu nomhlaba, udinga ukuqala ukulungiselela amadokhumenti adingekayo ukuthi okwenziwayo kuhambe kahle. Uhlu lwamadokhumenti wokuthengiswa kwefulethi luhle. Ngaphezu kwalokho, umuntu ongaba iklayenti wenza isinqumo esivumelwaneni ngokushesha uma ifulethi "lihlanzekile" ngokomthetho futhi linephakethe eligcwele lalo. Ngakho-ke kuthatha ini ukusheshisa kakhulu inqubo?

Uhlu lwamadokhumenti adingekayo ukuthengiswa kwento ngemali:

• Abanikazi bamaphasipoti.
• Khipha ku-USRR (Unified State Register of Real Estate).
• Idokhumenti ngesisekelo lapho ubunikazi buzoqinisekiswa khona.
• Isivumelwano sokuqalisa ukusebenza. Kufanele idwetshwe ehhovisi lezomthetho, ngoba zizokusiza ukuyidweba kahle nangendlela efanele, kucatshangelwa ama-nuances nemibandela yamaqembu aphikisanayo entengiselwano. Lo mbhalo usayinwe ngesikhathi senqubo yokubhalisa.
• Ukukhishwa encwadini yakho yendlu noma isitifiketi sokuba khona / ukungabikho kwabantu ababhalisiwe ababhaliswe endaweni. Ukukhishwa kungatholakala ehhovisi lepasipoti noma ehhovisi lenkampani yokuphatha.
• Imvume yabaphathi bokuqapha.

Uma, isibonelo, ifulethi lathengwa ngaphambili ngokutshalwa kwezimali kwemali yokubeletha, khona-ke ukuthengiswa kwayo udinga ukuthola imvume yokugadwa (ikhophi futhi uqobo uqobo).

Izigaba zokuthola idokhumenti zimi kanje:

1. Abazali beza nengane yabo, uma isekhona ngaphansi kweminyaka engu-14 (noma ngabe bahlukanisile) futhi unikeze okulandelayo:

• isitifiketi esivela lapho kuhlala khona indodakazi / indodana;
• amapasipoti obuchwepheshe wezindlu ezithengiswayo nezithengwayo;
• okukhishwe ku-USRR (Unified State Register of Real Estate);
• umazisi wengane;
• izincwadi zokukhomba zabazali.

2. Abazali / ababheki nengane uqobo kusukela eminyakeni eyi-14 ibhala isitatimende mayelana nokuqaliswa kokudala nokuphethwa kokuthengiselana kwento entsha.
3. Kungakapheli amasonto ambalwa, izinhlangano zombuso zithatha isinqumo, zihlola ukuthi amalungelo ezingane awathinteki yini. Ngemuva kwalokho iyakhishwa imvume ebhaliwe yokuthengisa nokuthenga izindluokucacisiwe kuhlelo lokusebenza.
4. Imvume yomlingani eqinisekiswe ngehhovisi le-notary.

Iphakheji eyengeziwe:

• Ipasipoti yeCadastral. Uma ungenayo esitokweni, ingatholwa ngokushesha eMultifunctional Center etholakala lapho uhlala khona. Kuzothatha Izinsuku ezi-5.
• Iphasiphothi yezobuchwepheshe. Ngeke kudingeke ukuqedela okwenziwayo, kepha kumthengi kungabalulekile, isibonelo, uma uthenga ifulethi esebenzisa imali yesikweletu noma ngotshalo-mali lwenhloko yomndeni. Ukuze uyithole, kufanele uxhumane I-BTI... Isikhathi sokubulawa kusuka ezinsukwini eziyi-15.Ukubulawa okuphuthumayo kufika ezinsukwini eziyi-10, kepha kuzofanele ukhokhe okuthe xaxa ngalokhu.
• Khipha kwiRejista Yombuso Ehlanganisiwe wento leyo. Umnikazi, i-encumbrance (ingabe ikhona noma cha) izokhonjiswa lapha. Noma ngubani angathola isitatimende esinjalo, noma ngabe isimo sakho sengqondo sinjani.
• Idokhumenti equkethe imininingwane mayelana ne-akhawunti yomuntu siqu yento. Isitifiketi esinjalo singatholakala enkampanini yokuphatha.
• Isitifiketi sokungabikho kwezikweletu ezisetshenzisiwe. Isiqinisekiso sokuthi azikho izikweletu zomphakathi.
• Isitifiketi esiqinisekisa ukuthi awubhalisiwe ne-dispensary ye-neuropsychiatric kanye ne-narcology. Umthengi angababuza ukuthi uyakungabaza yini ukwanela kwakho. Ngakho-ke okwenziwayo kungaphonselwa inselelo enkantolo ngobufakazi obutholakalayo bokungakwazi ukusebenza.

Ukutholakala kwemibhalo kuzosheshisa kakhulu inqubo yokuphothula isivumelwano.

Isivumelwano sokuthengiselana nokuthenga (isampula)

6. Inkontileka yamanje yokuthenga nokuthengisa indlu ka-2020 (isampula ingalandwa kusixhumanisi) 📃

Idokhumenti yokusetshenziswa kwento ayinayo ifomu elibhalisiwe elisunguliwe. Isixhumanisi singasetshenziselwa ukulanda isivumelwano sokuthengwa kwezindlu - isampula lika-2020. Awudingi ukukuqinisekisa nge-notary. Yize abaningi bephendukela kule nketho ethile. Iqala ukusebenza kuphela ngemuva kwenqubo yokubhalisa yelungelo lobunikazi.

Okulandelayo, sizohlaziya izigaba eziyinhloko zesivumelwano sokuthenga nokuthengisa amafulethi.

6.1. Isihloko senkontileka

Ukwenza isivumelwano akunakwenzeka ngaphandle kokusayina isivumelwano esilula. Isihloko kuleli cala sithi ukuthengisa izindlu: noma iyiphi impahla yokuhlala ingaba yinto yokuthengiselana.

Qaphela!

Uma kuthengiswa izinto eziningana ngaphansi kwenkontileka eyodwa, lapho-ke lapho udweba, kufanele kukhonjiswe inombolo nezimpawu zempahla ngayinye yokuhlala ethengisiwe.

Uma igumbi lingekho endlini entsha, imininingwane emayelana nendlu iyakhonjiswa:

• impahla okuvela kuyo ukuthi phansi futhi, okubaluleke kakhulu, ukuthi uphahla lwenziwa;
• unyaka wokwakha; usuku lokubuyiselwa kwesakhiwo;
• inani lezitezi.

Ngempahla engenakususwa, kufanele kuboniswe okulandelayo:

• indawo yokuhlala negcwele ngokugcwele;
• inani lezakhiwo;
• hlukanisa noma ngokuhamba;
• inani liyakhonjiswa.

Isihloko senkontileka yisimo esiyinhloko nesiphambili, ngaphandle kwaso ngeke kusize ngalutho ngombono osemthethweni. Izakhiwo zokuhlala zokuhlala kufanele futhi zikhombise ukuthi iyiphi ingxenye ethengiswayo:

• impahla ngokugcwele noma ingxenye ethile yayo;
• umuntu ugcina ilungelo lokuhlala ngemuva kokuqaliswa kwalo;
• ukungabikho noma ukutholakala kokungaboni ngaso linye.

Ubunikazi bungaqinisekiswa ngokukhishwa okuvela ku-USRN (Unified State Register of Real Estate).

Akuzona zonke izakhiwo zokuhlala ezingaba yisihloko sesivumelwano, kuphela ezanoma iyiphi inhlangano noma umuntu ojwayelekile.

Okubalulekile!

• Amagceke, ingxenye yawo, eboshiwe, nayo ayikwazi ukuba yisihloko sokuthengiselana.
• Uma impahla isebenza njengesibambiso, ngesikhathi sokusetshenziswa kwayo uzodinga imvume ebhaliwe evela kumnikazi wesibambiso.
• Uma inkontileka iqukethe ukuvinjelwa ekuthengiseni, khona-ke ngeke isetshenziswe.
• Izakhiwo nezakhiwo ezisendlini esibhidlikile noma esibhidlikile ngokungabhidlizwa azikwazi ukuba yisivumelwano.

6.2. Amaphathi entengiselwano

Amaqembu entengiselwano abizwa ngokuthi umthengi wento futhi, ngokufanele, umthengisi. Futhi uhlangabezane nalezi zidingo ezilandelayo:

• iningi;
• amandla ezomthetho;
• ubunikazi bezakhiwo busemthethweni.

Imininingwane elandelayo ikhonjisiwe kumaqembu entengiselwano:

• igama eligcwele;
• ukubhaliswa;
• inombolo, kanye nochungechunge, lapho lwamukelwa futhi kwanikezwa ngubani ipasipoti yesakhamuzi saseRussia Federation.

Ukugxila okuyinhloko kwamaqembu amabili entengiselwano kufanele kubangelwe amandla asemthethweni (noma ngabe umnikazi uyakuqonda akwenzayo) ngesikhathi sokuthengisa nokuthengwa kwezindlu.

Uma ngemuva kokuthengiswa kwempahla kutholakale ukuthi umnikazi akaqondanga akwenzayo, ngokusho kwenkantolo leyo ndawo ingabuyiselwa futhi okwenziwayo kuzobe kungavumelekile. Kulokhu, umthengi ononembeza uzosala engenalutho.

Ngaphambi kokuqhubeka nomklamo, kunconywa ukuthi ucabangele amanye ama-nuances:

• Ummeli olungisa izivumelwano oqinisekisa idokhumenti ukuze lisetshenziswe anganquma ngokubukeka kuphela inani lezomthetho lamaqembu amabili entengiselweni.
• Okukhishwe kwiRejista Yombuso Ehlanganisiwe Yezinhlangano Ezisemthethweni kungaqukatha imininingwane ethile, kodwa hhayi njalo.
• Uma unokungabaza kokuthi umnikazi wefa noma izakhiwo unikeza umbiko ngezenzo zakhe, khona-ke kungcono ukuhlehlisa ukuthengiselana noma ucele umnikazi ukuthi aqinisekise igunya lakhe.
• Kuyafaneleka ukuthi uqaphele uma umnikazi wefulethi esebenzisa utshwala noma esekhulile.

6.3. Imibandela ebalulekile yesivumelwano

Ngaphezu kwendaba, intengo yezindlu kungenye into ebalulekile. Leli phuzu kufanele lifinyelelwe ngawo wonke umthwalo. Iningi labanikazi bezindawo alifuni ukukhokha imali yentela, ngakho-ke likhombisa inani eliphansi elikude nentengo yemakethe.

Udinga ukwazi lokhu!

Uma kwenzeka ukuthengiselana kuphikiswa futhi inkantolo ithathe isinqumo sokubuyisela impahla kumthengisi, umthengi oqotho angathembela ekubuyisweni kwenani elichazwe kudokhumenti yokuthengisa.

Ngaphezu kwalokho, uhlu lwabantu abazogcina ilungelo lokusebenzisa izindlu noma seluthengisiwe lubhekwa njengolubalulekile:

• amalungu omndeni womnikazi ahlala endlini;
• umqashi we-real estate nabantu abahlala naye;
• umqashi ongaphansi kwendawo ngaphakathi kwesikhathi sesicelo esichazwe embhalweni;
• umqashi, uma kwenzeka ilungelo lokuhlala kulowo muzi lifakiwe kudokhumenti ye-life annuity;
• izakhamizi ezinelungelo lokusetshenziswa impilo yonke;
• obolekayo esikhathini esibekiwe sokusetshenziswa kwamahhala kwendawo;
• uma kunezingane ezingakafiki eminyakeni yobudala eningi, zingaxoshwa kuphela ngemuva kokutholakala kwemvume yokuba ngumgcini.

6.4. Izizathu zokunqanyulwa kokuthengiselana

Ngokwesinyathelo sohlangothi olulodwa kuphela, isivumelwano sokuqalisa asinakukhanselwa. Imibandela yokuvinjelwa equkethwe ku-athikili engu-450 ye-Civil Code ye-Russian Federation, Okulandelayo:

• isivumelwano samaqembu amabili aphikisanayo;
• ngesicelo somthengi noma umthengisi, kodwa kuphela ngezinkantolo.

Isinqumo esenziwe yinkantolo singasanelisa isicelo somfakisicelo kuphela uma elinye iqembu entengiselweni lenze ukwephula okukhulu imigomo yesivumelwano:

• ukwenqaba kwalowo owayengumnikazi wendawo ukuyisusa kwirejista;
• ukwenqaba ukukhokha izindleko zendawo yokuhlala;
• ubukhona bamalungelo abanye empahla, njll.

Ukuqedwa kokuthengwa nokuthengiswa ngenyanga ngemuva kokusebenza komnikazi omusha ngamalungelo abo akunakwenzeka. Kulula ukunqamula ukuthengiselana ngaphambi kwenqubo yokubhalisa.

Uma izinhlangothi eziphikisanayo zixoxile ngakho konke futhi zathatha isinqumo ngokuvumelana, kuyakhiwa isivumelwano sokubona ukuthengiselana njengokungavumelekile. Ngemuva kokuqalisa, ungakhansela inkontileka, izenzo zayo.

Ukuthengwa nokuthengiswa kwezindlu akuvumelekile enkantolo kuphela ngenxa yalezi zizathu ezilandelayo:

• okwenziwayo kwephula imigomo yomthetho okhona;
• ukusayinwa kwesivumelwano kwenziwa ngenkathi kudakiwe, okwenziwa ngokungazi;
• ukutholakala kokungasebenzi kwesinye seziphathimandla zokuthengiselana kutholakele;
• ukutholwa kwenkohliso, izinsongo, ingcindezi, udlame kwelinye lamaqembu;
• ukuthengiselana okwenziwe kwabonwa njengokukhohlisa;
• amanye amacala angahle aphikisane nomthetho.

6.5. AmaNuances embhalweni wedokhumenti

Isivumelwano siwumbhalo omkhulu, okunconyelwa ukuthi kufundwe ngokucophelela, futhi kulokhu kumele uxhumane nommeli. Kunezingibe eziningi embhalweni wamadokhumenti. Inqubo yokudlulisa izimali kufanele ichazwe ngemininingwane emincane kakhulu:

• lapho imali ithunyelwa ku-akhawunti esikhungweni sezezimali noma kudluliswa imali;
• noma ngabe lokhu kudluliswa kwenani kuqinisekiswa yisivumelwano noma isenzo, uma kukhona idiphozi, iyiphi leyo.

Kubalulekile ukukhombisa embhalweni wonke amaphutha akhona, futhi lokhu akudingekile kumnikazi wesikhathi esizayo kuphela, kodwa nakokukhona kwamanje.

Uma umuntu oyedwa kulo msebenzi engeyena umnikazi wendawo uqobo, kepha ngummeleli wakhe ogunyaziwe, lapho-ke kunconywa ukuthi unake, ngenkathi idokhumenti ibhaliswa. Uma amandla ommeli engaphezulu konyaka, futhi umnikazi esekhulile, ngakho-ke kungcono ukuthi uqaphele.

Uma izakhiwo zitholwe ngumnikazi wangaphambilini esebenzisa Imali yokubelethisa, umthengi kufanele aqiniseke ukuthi amasheya ngemuva kokuthengwa kwekhaya asatshalaliswe ngokulinganayo kubo bonke abanikazi.

Kunconywa ukuthi kukhonjiswe embhalweni umthwalo womnikazi wendawo ngokufuna okungenzeka kwezihlobo ezingakafiki eminyakeni yobudala, izindlalifa nabanye abantu.

6.6. Izivumelwano ezingeziwe

Uma kwenzeka kuguqulwa ngokwemibandela yamaqembu entengiselweni, kuphethwa isivumelwano esingeziwe. Amaqembu entengiselwano angenza ushintsho:

• imigomo yokukhokhwa kwezimali;
• inqubo yokubala;
• inani lediphozithi kusengaphambili;
• izindleko zokubhalisa;
• isikhathi senkontileka.

Ama-nuances esivumelwano esingeziwe ami ngale ndlela elandelayo:

• ibhaliswe ne-Rosreestr kanye nedokhumenti enkulu futhi ngaphambi nje kweyokuqala;
• empeleni kubhaliwe;
• isayinwe yizinhlangothi zombili kulokho okwenziwe.

Lapho kwenziwa inkontileka, kuyadingeka ukuthi uchaze ngokuningiliziwe izindlu nomhlaba, amalungelo kanye nezibopho ezikhona zamaqembu, izindlela zokudlulisa idiphozi nenani eligcwele lefulethi. Lokho kuzosiza ukugwema izimo ezingalindelekile namacala.

Umhlahlandlela wesinyathelo ngesinyathelo, oqukethe izinyathelo ezi-7 ezilandelanayo, zokuthengisa ifulethi ngaphandle kokubamba iqhaza kwabalamuli

7. Ungalithengisa kanjani ifulethi ngenzuzo ngaphandle kwabalamuli - imiyalo yesinyathelo ngesinyathelo yabathengisi bezindlu 📑🏬

Lapho sesithathe isinqumo sokususa amamitha ayisikwele amadala, siqala ukuzibuza: ungalithengisa kanjani ifulethi ngenzuzo futhi ngokushesha, noma ngabe udinga usizo lwabathengisi bezindlu noma ungazenzela inqubo yokuthengiselana ngokwakho ngaphandle kwabalamuli.

Kepha ungayenza kanjani kahle, ngoba isivumelwano esiphuthumayo sinciphisa kakhulu izindleko zezindlu, futhi ukuthengisa okunenzuzo kungathatha isikhashana. Ukuze wenze lokhu, sincoma ukuthi udlule ngokulandelana 7 izinyathelo ezilula.

Isinyathelo 1. Beka izinhloso nemibandela yokuthengiswa kwefulethi

Lapho uthatha isinqumo ngokuthengiswa kwempahla yakho yangempela, ungakhohlwa ukuthi ikhona izinkathi ezifile, lapho imakethe yezezindlu izolile ngokuphelele futhi ungathengisa amamitha ayisikwele, ngentengo encishisiwe.

Qaphela!

Ungabhalisi impahla ezothengiswa kusukela ekupheleni kukaDisemba kuya kuFebhuwari (Amaholide kaNcibijane), kanye ekuqaleni kwehlobo (amaholide / amaholide). Phakathi nawo wonke unyaka, isidingo sendawo yokuhlala sizinzile.

Ngakho-ke, uma injongo yokuthengiselana kuyinzuzo enhle, ngakho-ke akufanele uhlanganyele ekusebenzeni ngesikhathi sonyaka ophansi. Ngalesi sikhathi, kungcono ukuqala ukulungiselela yonke imibhalo edingekayo nezindawo zokuhlala ezithengiswayo. Ngenxa yalokho ongakwenza imali enhle, Ngokwesibonelo, ukuze kuthengwe enye ingcebo. By the way, sesivele sibhale ukuthi ungayenza kanjani imali efulethini kusuka ekuqaleni kwenye yezincwadi zethu.

Isinyathelo 2. Ukuhlola impahla yakho

Kungcono ukunquma inani lento ngaphandle kosizo lochwepheshe. Amaphephandaba noma, yiqiniso, amanethiwekhi omhlaba - i-Intanethi - azokusiza kulokhu. Ngemuva kwakho konke, awukwazi ukusetha inani lezindlu ngokungahleliwe. Futhi, ungayiphakamisi esibhakabhakeni noma wehlele kokuncane kakhulu. Isivumelwano kufanele sibe nenzuzo futhi sibe nenzuzo.

Uma izindleko zamamitha skwele zigcwele, umnikazi omusha wezezakhiwo angabhekwa iminyaka eminingi. Futhi uma kubukelwa phansi, okwenziwe kuzoholela ekulahlekelweni. Ungavuma kuphela uma isikhangiso sakho besingathandwa isikhathi eside.

Izici ezilandelayo eziyinhloko zithinta izindleko zendawo yokuhlala:

• indawo: udumo lwendawo;
• ukuba khona kwengqalasizinda ehlome kahle;
• ukuba seduze kwezithuthi zomphakathi;
• phansi nonyaka wokwakhiwa kwendlu okukhona kuyo amamitha ayisikwele.

Isinyathelo 3. Siqala ukukhangisa efulethini

Ukubona izindlu kuyashesha futhi kuyabiza, kuyisifiso esingenzeka. Ukuze wenze lokhu, kufanele ikhangiswe kahle, ikubeke kahle. Ngemuva kwakho konke, umthetho omkhulu futhi oyinhloko wezohwebo uyinkampani yokukhangisa enekhono.

Isibonelo sesikhangiso sokuthengiswa kwefulethi eCian

Ukwenza lokhu, ungasebenzisa noma yiziphi izindlela nezindlela ezikhona: faka izikhangiso emaphephandabeni asendaweni adumile noma usebenzise usizo lwamanethiwekhi omhlaba ahlinzeka ngamasango amaningi lapho abasebenzisi bebeka khona izikhangiso.

Umbhalo wesikhangiso esithengiswayo akufanele ube nemininingwane eminingi; imininingwane iyadingeka.

Ngamabinzana ambalwa, kufanelekile ukuchaza zonke izici ezinhle zendawo ukuze kukholwe iklayenti elingahle libe khona ukuthi impahla yakho iyinzuzo etholakalayo kuye. Isikhangiso kufanele sengezwe ngezithombe.

Ungabeka imininingwane ngokuthengiswa kwefulethi kuzitendi zokukhangisa, izitobhi zomphakathi noma eminyango yokungena. Lokhu kuzoheha abathengi abangaba nentshisekelo endaweni yokuhlala esendaweni yakho.

Isinyathelo 4. Ukulungiselela ifulethi ukuhlolwa nokuxoxisana nabathengi

Ukuze uthengise ngokushesha izindlu, kufanele ihlelwe kahle. Alikho iklayenti elingacabanga ngisho nokuvala isivumelwano uma indawo yokuhlala isesimweni esibi sokulungiswa.

Ukulungiswa akukufanele, ngoba umnikazi omusha uzozenzela konke yena. Kulokhu, kuzosiza ukuhlanza okujwayelekile nokulungisa izimonyo okungabizi kakhulu.

Umsebenzi omkhulu wokulungisa izakhiwo zalokho kuthengiselana ukuqeda ukukhubazeka okusobala.

Susa konke okudala ngaphandle kokuzisola! Lapho isikhala sikhulu futhi sikhanya, indlu ibukeka inenzuzo enkulu.

Lezi zenzo ezilula, ezingeyona inkimbinkimbi zizonikeza igumbi isikhala esithe xaxa futhi zisuse iphunga elibi labanikazi bangaphambilini. Ngakho-ke, inhlanzeko iyisihluthulelo sesivumelwano esiphumelelayo.

Kulesi sigaba, kufanele uzilungiselele zombili izingcingo nokuvakashelwa kwamakhasimende. Ngokuxhumana okulungile nokubonisa, isiqinisekiso sokuthengisa sizokwanda kakhulu.

Kuyafaneleka ukucabangela kusengaphambili zonke izici ezingezinhle zezindlu nokulungiselela uhlu lwezinzuzo.

Ngaphezu kwalokho, ungakhohlwa ukuthi kuzofanele uxhumane nabantu ongabazi nhlobo, izinhloso zabo ezihlala ziyimfihlakalo.

Isinyathelo 5. Sakha futhi sisayine isivumelwano sokuqala sokuthengiswa kwefulethi noma isivumelwano sediphozithi nomthengi.

Ukusayinwa kwale dokhumenti kuyisiqinisekiso kumthengisi ukuthi iklayenti ngeke linqabe ukuthenga izakhiwo, kanye nabathengi umnikazi angeke alinikeze omunye.

Landa inkontileka yokuqala yokuthenga nokuthengisa ifulethi - isampula

Landa isivumelwano sediphozi sokuthenga nokuthengisa ifulethi - isampula

Ekuphetheni kwenkontileka, umnikazi wendawo uthola idiphozi evela kwiklayenti yendawo yokuhlala, nayo efakwe esivumelwaneni sokuqala. Ngokombono wezomthetho, isivumelwano sangaphambi kwesikhathi noma idiphozi, abaningi abaphetha ngaso esikhundleni sesivumelwano sokuqala, naso sinamandla afanayo.

Lapho usayina idokhumenti, umnikazi wendawo kufanele azi umehluko phakathi kwediphozithi nemali engaphambili. Kubalulekile ukubhalisa konke ngokufanele ngokomthetho esivumelwaneni.

Izici zediphozi nokukhokha kusengaphambili:

• Uma ukuthengiselana kokuthengiswa kwendawo kukhanseliwe nganoma yisiphi isizathu, inkokhelo ekhishwa kusengaphambili ibuyiselwa kumthengi ngokugcwele.
• Uma kwenziwe idiphozithi, ukwenqaba kokuphikisana ngaphesheya kokuthengiselana kuzoholela ekukhokhelweni kwenhlawulo yilowo onecala.
• Uma umnikazi enqaba ukuthengisa impahla, uzobuyisela iklayenti ngenhlawulo ephindwe kabili.
• Uma isivumelwano sihluleka ngephutha lomthengi, idiphozi ihlala kumnikazi wendawo.

Isivumelwano sokuqala senziwa nganoma iyiphi indlela yamahhala, lapho kunqunywa khona imininingwane yebhizinisi elisemthethweni / lomzimba. abantu, imininingwane yepasipoti yezinhlangothi eziphikisanayo, ikheli lendawo ethengiswayo, isikhathi sezibopho ezenziwe, inani lediphozithi noma ukukhokha kusengaphambili. Usuku lukhonjisiwe kudokhumenti, futhi kusayinwa amasiginesha amaqembu aphikisanayo kulowo msebenzi.

Isinyathelo 6. Siqala inqubo yokubheka efulethini bese siqoqa izitifiketi zokungabikho kwezikweletu zezikweletu zomsebenzi

Ngemuva kokuthi isivumelwano sokuqala sesiphothuliwe, sekutholwe idiphozi noma inkokhelo kusengaphambili, kuyadingeka ukuthi ubheke efulethini bese uthola imininingwane kwi-akhawunti yakho yezikweletu zomsebenzi.

Ungangena ngemvume ngehhovisi lepasipoti noma isikhulu sepasipoti enkampanini yokuphatha.

Lokhu kuzokuthatha izinsuku ezimbalwa. Endabeni yokudluliswa kwesicelo sakho esikhungweni sikahulumeni, uzothola isitembu sokukhishwa kanye nemibhalo edingekayo ngosuku lokudlulisa icala.

Izitifiketi zokungabikho kwesikweletu zingatholakala enkampanini yezokuphatha nakwezinye izinhlangano ezihlinzeka ngezinsiza: i-gorgaz, ama-grid kagesi, inkampani yokuqoqa imfucuza.

Isinyathelo 7. Sikhokhela ifulethi bese sihambisa imibhalo yokubhalisa

Lapho kwenziwa isivumelwano, kungakhokhelwa ngokuvumelana ngesikhathi sokusayina inkontileka enkulu noma isenzo sokwamukela nokudlulisa izindlu. Kokubili ngendlela engeyona imali nangokheshi. Kodwa-ke, kuphephe kakhulu ukuthola imali yokugcina yefulethi ngencwadi yesikweletu (ukudluliswa kwebhange) noma ibhokisi lediphozi eliphephile. Le nqubo iyisiqinisekiso sokuthi umnikazi wangaphambili uzothola inani okwavunyelwana ngalo ngaphambilini.

Ukuthengiselana kokuthenga nokuthengisa kwenzeka kanjani ngebhokisi lediphozi eliphephile?

1) Lapho kukhona isisebenzi sasebhange, imali ifakwe esitokisini, ngemuva kwalokho umnikazi wefulethi angabheka konke futhi akubalwe ngokucophelela.

Ungahlola ubuqiniso bamaphepha wemali ukuthola imali eyengeziwe.

2) Ngemuva kwalokho, imali ibekwa ephaketheni elinamasiginesha omthengisi neklayenti.

3) Ngemuva kokuthi umsebenzi uqediwe futhi nemibhalo yaleli fulethi idluliselwe kumthengi, owayengumnikazi wendawo uthola inkokhelo ebhange.

Inkontileka yokuthengisa iphothulwa ngendlela elula noma eqinisekiswe yihhovisi le-notary.

Uma ungakaze ubhekane nalokhu, khona-ke kungcono ufune usizo kummeli ofanelekayo. Lapho uyibhala, kuyadingeka ukuthi kuqinisekiswe ukuthi idokhumenti iqukethe yonke imininingwane ephathelene nokuthengiselana, imigomo, indawo ethengisiwe kanye nendlela yokuhlala phakathi kwezinhlangano.

Okulandelayo, siphendukela egumbini lokubhalisa ukuze sibhalise izindlu zomnikazi omusha.

Isigaba sokugcina inqubo yokudlulisela indawo kumnikazi omusha nokusayina itayitela.

Landa itayitela lokudlulisela esivumelwaneni sokuthenga nokuthengisa sefulethi

Kusukela ngaleso sikhathi kuqhubeke, wonke umthwalo wento uwela ngokuphelele emahlombe omnikazi omusha. Yakhiwe ngamakhophi ama-2, esimweni sokubambisa ngempahla, kudingeka enye eyengeziwe ebhange.

Ngemuva kwalokho, umnikazi wangaphambili angathola inkokhelo ebhokisini lediphozi eliphephile noma kwi-akhawunti yasebhange. Isivumelwano sesiqediwe.

Izindlela Eziqinisekisiwe Zokuthengisa Indlu Ebolekiswayo

8. Ungalithengisa kanjani ifulethi kubambiso 💸 - Izindlela zangempela ze-TOP-4

Akuwona wonke umuntu owaziyo ukuthi ukuthengisa ifulethi elithengwe ngesibambiso kungokoqobo impela. Vele, kulokhu impahla ithembisiwe. Kuvela ukuthi umnikazi akanalo ithuba lokuphatha ngokuzimela ifulethi.

Kodwa-ke, kunezindlela zokuthengisa izakhiwo zempahla ebanjiswayo. Ungakwenza 4 izindlela ezifakazelwe. Ngayinye yazo ibandakanya ukuxhumana okusondele nenhlangano yasebhange.

Indlela 1. Ukuthengisa iflethi ngemali

Le nketho inzuzo kakhulu kulabo abathathe imali yokubolekwa. Ukukhetha le ndlela, kufanele ucabangele lokho ukuthola umthengi ku- impahla encumbered kungaba nzima.

Qaphela! Namuhla ukunikezwa kwamafulethi angathembiswanga kukhulu kakhulu. Ngakho-ke, abathengi bayaxwaya ukuthengiswa kwezindlu, okuthengiswa ngobunzima obuthile.

Le ndlela yokuthenga isetshenziselwa kakhulu amafulethi asekhona isigaba sokwakha... Ngasikhathi sinye, lezo ezizolungela maduzane zifunwa kakhulu.

Ngaphezu kwalokho, le nketho ifanele izakhiwo ezintsha ezise- izindawo ezisezingeni eliphakeme, futhi futhi inesakhiwo esithuthukisiwe. Ukuhlinzekwa kwamafulethi anjalo emadolobheni ngokuvamile akuwona aphezulu kakhulu.

Lapho uthengisa indlu ebolekiwe ngemali, udinga ukulungela ukuthi ukuthengiselana okunjalo kufaka izigaba eziningana:

1. Okokuqala, umthengi nomboleki kumele baxhumane nomphakathi olungisa izivumelwano. Lapha, kwenziwa isivumelwano senhloso yokwenza ukuthengiselana okuhambisanayo nefulethi.
2. Umthengi udlulisela imali ebhange, okudingekayo ukuvala ngokuphelele imali ebanjisiwe. Umehluko phakathi kwaleli nani nezindleko zefulethi ukhokhelwa umthengisi.
3. Lapho isikweletu sivaliwe, okuhlanganisiwe kuyasuswa efulethini.
4. Lapho impahla ikhishwa kwisibambiso, umthengisi nomthengi egumbini lesifunda babhalisa isivumelwano sokuthenga nokuthengisa. Uma ngabe ifulethi lisakhiwa, isivumelwano sokubamba iqhaza ekwakheni okwabiwe siphinde sinikezwe umnikazi omusha.

Kwesinye isikhathi lolu khetho lwendlu yokubambisa lubizwa okuyimfihlo... Lokhu kungenxa yokuthi ukubuyiselwa kwemali mboleko kwenziwa ngumthengi ngaphambi kwesikhathi, nangaphambi kokuthenga.

Ngokwesiko, isikweletu semali mboleko sifakwa ngqo kwi-akhawunti, bese imali esele ifakwa ebhokisini lediphozi eliphephile. Umthengisi ubathola kuphela ngemuva kokukhokhiswa okugcwele kokuthengiselana nokudluliswa kobunikazi befulethi kumthengi.

Indlela 2. Ukubolekwa noma ukudluliswa kwezibopho zempahla ebanjiswayo

Le nketho isetshenziswa ngokuya ngomgomo wokudluliswa kwesibambiso. Ngokusho kwayo, ifulethi lingathengiswa uma umthengi ethatha zonke izibopho ezingaphansi kwemalimboleko yempahla.

Ngokuyinhloko, ungazitholela umthengi. Imvamisa amafulethi abambisene impela xwaya... Noma kunjalo, kunesidingo sazo.

Kungaba nezizathu eziningana zalokhu:

• impahla yesibambiso ivame ukuthengiswa ngezindleko eziphansi;
• kumafulethi asezindaweni ezihlonishwayo, ukufunwa kuphakama ngokungaguquki, noma ngabe kuthwesiwe ngempahla ebolekiswayo;
• okuthandwa kakhulu izindlu ezinamakhwalithi aphezulu, kanye nokuhlelwa okuthuthukisiwe.

Kufanele kukhunjulwe ukuthi umthengi kufanele abe nomsebenzi ozinzile, iholo elanele, futhi okuhle isikweletu.

Umthengi wasekhaya uzodinga ukwenza inqubo ejwayelekile yokufaka isicelo semali mboleko. Uma kwenzeka ukuthi kwenziwe isinqumo esihle ngokuya ngemiphumela yokucubungula kwaso, kwenziwa isiphetho okusha inkontileka.

Ngokuhambisana nalesi sivumelwano, ifulethi liba impahla yomthengi, kepha lihlala liku isibambiso... Ngasikhathi sinye, isikweletu semali mboleko sikhokhwa yikhasimende elisha.

Kulokhu, kuzodingeka umzamo omncane kumboleki. Inhlangano yezikweletu ivame ukwenza ukubhaliswa kabusha kwesibambiso neNkampani Yezindlu yodwa. Umthengisi kudingeka kuphela ukuthi asayine idokhumenti ngesifiso sokunikeza izibopho zempahla ebanjiswayo.

Ngokuvamile, ukuthengiswa kwefulethi ngesabelo kuzodinga mayelana 20 izinsuku... Ezinhlanu zazo zizosetshenziswa ekususweni kwezinto ezihlanganisiwe kanti kuzodingeka ezinye eziyi-14 ukubhalisa isivumelwano nomnikazi omusha.

Indlela 3. Ukuqalisa ngosizo lwesikhungo esikweletisa

Leli cala lihlukile ekuthengisweni kwemali ngoba zonke izenzo zokuthengiswa kwefulethi zidluliselwa ebhange. Le nketho ifanele labo okuthi, ngenxa yezizathu ezithile, bangabi nalo ithuba lokuthengisa izindlu nomhlaba.

Isikhungo sezikweletu sithola umthengi yedwa. Ngaphezu kwalokho, ngokuphelele zonke izigaba zokuthengiselana zenziwa ngaphandle kokubamba iqhaza komboleki.

Kubalwa ukwenziwa kohlelo lokuqala lokuthengisa: umthengi ucima isikweletu sendlu, yonke enye imali ithembiswa esitokisini noma kwi-akhawunti yasebhange enemibandela. Lapho nje wonke amadokhumenti wokuthengiselana eseqediwe, umthengisi uzokwazi ukuqoqa le mali.

Indlela ye-4

Kusuka egameni lenketho yokuthengisa, kungahle kubonakale sengathi akukho emthethweni ngokuphelele futhi kwenziwa ngaphandle kokubamba iqhaza kwebhange.Lokhu akulona iqiniso, ngoba noma kunjalo, isikhungo sezikweletu kuzodingeka saziswe ngazo zonke izigaba zokuthengiselana. Iqiniso ukuthi umthengisi nomthengi bazokwenza ngokuphelele zonke izenzo ezidingekayo ngokuzimela.

Okubalulekile! Ochwepheshe beluleka abathengisi ukuthi bazise abathengi ukuthi ifulethi selithenjisiwe esigabeni sokuqala sokuthengiselana... Uma lokhu kungenziwanga, ukwethembana phakathi kwabantu abathintekayo ekuthengisweni nasekuthengweni kungalahleka. Umthengi osesimweni esinjalo anganquma ukuthi ukuthengiselana nefulethi akukho emthethweni ngokuphelele.

Lapho uthengisa ifulethi elibambisa ngempahla ngokwakho, kuzodingeka udlule kulezi zigaba ezilandelayo zokuthengiselana:

1. Umthengisi uthola umthengi ovumayo ukuthenga ifulethi.
2. Umthengi uhambisa isicelo ebhange ukuze ahlenge into ethenjisiwe.
3. Kwenziwa isivumelwano sokuqala sokuthengisa nokuthenga, esabhalwa phansi.
4. Kuqashwa amaseli amabili asebhange. Kokukodwa umthengi ukhokha imali edingekayo ukukhokha imali ebanjisiwe, kwesesibili - okusele enanini lomehluko phakathi kwentengo yefulethi nenani elifakwe kuseli lokuqala. Ungakhetha futhi ezinye izindlela zokukhokha phakathi komthengi nomthengisi (incwadi yesikweletu, i-akhawunti yasebhange).
5. Ifulethi lihoxisiwe kubambiso.
6. Imininingwane ngokuthengiswa kwefulethi ifakwe kuRosreestr.
7. Ngemuva kokuthola ukuqinisekiswa kwamadokhumenti kokubhaliswa kokuthengiselana, ibhange lithatha imali kuseli lokuqala, nomthengisi - kusuka kwesesibili.

Le nketho yokuthengisa ifulethi imvamisa ishesha kakhulu. Kepha ukuthola umthengi kuleli cala kungaba nzima.

Ngaphezu kwalokho, ukuze uthole imvume yebhange yokuthengisa ifulethi, kuyadingeka ukuthi isikhungo sezikweletu asinazo izimangalo kumuntu obolekayo. Ngamanye amagama, le nketho ilungele labo njalo ukhokha njalo ngenyanga futhi akabambezeli.

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Ngakho-ke, kunezindlela ezine eziyinhloko zokuthengisa ifulethi elithengwe ngempahla ngaphambi kokuba imali mboleko ikhokhwe. Ngokwemvelo, ngamunye wabo unokwakhe izinzuzo futhi ukulinganiselwa.

Ukucaca kokuqhathanisa, sikhombise ubuhle nobubi bazo zonke izinketho etafuleni:

Inketho yokuthengisa	Izinzuzo (+)	Okubi (-)
Ukuthengiswa kwemali	Obolekayo ulahla imali ebanjisiwe, uthola umehluko phakathi kwentengo yokuthengisa nenani lesikweletu	Kunzima ukuthola umthengi
Phinda ubolekise	Kungenzeka ukuthi ususe isikweletu sendlu ngokushesha okukhulu	Ubunzima ekutholeni umthengi ozovuma ukuthola isikweletu semali ebhange elithile futhi azohambisana nezidingo zakhe
Thenga ngokuphelele ebhange	Obolekayo ususa isidingo sokufuna umthengi futhi ahlanganyele kulokho okwenziwayo	Ibhange lisebenza ikakhulu ekuzizuzeleni kwalo. Ngakho-ke, ifulethi livame ukuthengiswa ngentengo eyehlisiwe. Ngenxa yalokho, isinxephezelo esitholwe ngumboleki sincane kakhulu noma asikho nhlobo
Ukuzithengisa	Umthengisi usetha inani lefulethi, ubuye alawule ngokuphelele ukuthengiselana	Umthengisi kuzodingeka enze umzamo omkhulu futhi asebenzise isikhathi esiningi somuntu siqu

Itafula likhombisa ngokusobala ukuthi iziphi izinzuzo nobubi benketho ngayinye yokuthengisa iflethi ebanjiswayo.

9. Amaphutha ajwayelekile lapho uthengisa indlu yakho ❌

Ngesikhathi sokuthengiswa kwezakhiwo, abathengi abaningi abazi ukuthi bangaqedela kanjani ukuthengiselana ngendlela enenzuzo futhi ngokushesha ngaphandle kosizo lochwepheshe. Ngakho-ke yini esingayenza engalungile?

Iphutha 1. Ukuhlolwa okungalungile kwefulethi

Inkinga enkulu yabo bonke abaninikhaya ukuzimisela okungalungile kwenani layo. Imvamisa, ukuyihlola, udinga ukusebenzisa imininingwane kusuka kuwebhusayithi ethandwa kakhulu yezindlu edolobheni lakho, khetha izinketho ezifanayo futhi uthole amanani azo.

Ngokuya ngolwazi olutholakele, umnikazi ngokuvamile ubeka inani eliphakeme. Vele, ungathanda ukuthola isamba esikhulu sendawo yakho, kepha ingabe iklayenti elingaba khona lizobona isikhangiso sakho?

Kungcono ukutadisha zonke izinto ezifanayo ngokushayela abanikazi bese uthola isimo segumbi, imiphi imibhalo etholakalayo yalo. Lokho wukuthi, ukuthola lonke ulwazi olungathinta intengo. Ngemuva kokuhlaziya imininingwane, sakha intengo yangempela yezindlu ezithengiswayo. Ungadluli ngokweqile, kepha ungabukeli phansi futhi.

Iphutha 2. Ukulungiswa kwangaphambi kwepahla akukaze kwenziwe

Ifulethi akulungele ukuthengiswa. Lokhu kuvame ukuqukethe ukuyihlanza, ukuyikhipha kudoti owedlulele nokuyifaka emoyeni. Kulokhu, kufanele ubeke izinto ngokulandelana hhayi egumbini uqobo, kodwa nasezitebhisini nasekungeneni.

Umbono wokuqala wenziwa ngumthengi emnyango. Lokhu kungenziwa ngokuxoxisana nomuntu ohlanzayo noma osebenza endlini.

Uma igumbi lingenakho ukubukeka okuhle, kufanele kulungiswe okuncane, kuyilapho okubizayo kungafanele kwenziwe, ngoba akusizi ngalutho. Kepha inketho yesabelomali izokhuphula ukuheha emehlweni kwalowo ongaba iklayenti.

Iphutha 3. Umthengisi akakulungele ngokuphelele ukuxoxisana nabathengi

Isivumelwano nomthengi akufanele kube ngamagama kuphela, kodwa futhi nasephepheni. Ngemuva kokuthembisa ukuthenga izindlu kuwe, angabheka ngomoya ophansi ezinye izinketho ezizuzisa kakhulu ngaye, futhi ungalahlekelwa yilowo ongaba iklayenti lakhe. Ngakho-ke, kufanelekile ngokushesha ukuphakamisa umbuzo wentuthuko noma idiphozi.

Fihla okubi futhi ukhulume ngobuhle bezindlu. Ungesabi ukuxoxisana futhi uphikisane ngokuthi kungani impahla yakho ingcono kunezinye. Khombisa igumbi ngokuthula ngaphandle kwemizwa. Iya ezingxoxweni, uma ungazilungele, lapho-ke kuzoba nzima ukuphothula isivumelwano esinenzuzo.

Iphutha 4. Imibhalo ebhalwe ngokungafanele

Ngaphambi kokubeka ikhaya lakho ukuthengisa, kufanele ulungise yonke imibhalo edingekayo:

• okukhishwe ku-USRR (Unified State Register of Real Estate).
• umazisi womnikazi,
• labo. ipasipoti evela ku-BTI,
• cadastral,
• khipha,
• I-USRR.

Uma impahla ithengwe ngokusemthethweni, ke imvume yomlingani esivumelwaneni noma esivumelwaneni sangaphambi komshado, futhi isitifiketi sokubhaliswa komshado.

Uma izindlu zithengwa kusetshenziswa izimali ezibanjiswayo, uzodinga:

• isitifiketi sokungabikho kwezikweletu ezinhlanganweni ezihlinzeka ngezinsiza,
• khipha kwiRejista Yombuso Ohlanganisiwe neminye imibhalo.

Imibhalo elungiselelwe kahle yinto esheshayo futhi enenzuzo.

Kumele kukhunjulwe futhi ukuthi inkontileka yokuthengisa kufanele iqukathe yonke imininingwane edingekayo ukugwema izinkinga ngokuzayo.

Imithandazo kanye nozungu lokuthengiswa ngokushesha kwefulethi

10. Ungalithengisa kanjani ngokushesha ifulethi: uzungu nemikhuleko result - 100% umphumela

Abanye bakholelwa ukuthi ukuze uthengise ifulethi ngentengo enhle futhi ngokushesha, udinga ukusebenzisa izimpawu nezinkolelo zabantu. Ngabe kunjalo?

10.1. Umkhuleko wokuthengiswa kwendlu okunenzuzo

Ukuthengisa indlu ngentengo ephezulu, udinga ukwenza okulandelayo:

• Ngesikhathi senyanga entsha, susa yonke imfucuza efulethini, uyihambise empambanweni yomgwaqo bese uthi:"Unalo doti, nemali yami ubuyile!"
• Ngemuva kwalokho, faka isidlaliso kuwo wonke amakhona bese usho kakhulu kuwo wonke amakamelo: "Imali mayibuyise imali".
• Kamuva usuku qoqa ushintsho bese ulunika abantu abadinga usizo.
• Letha ikhandlela esontweni liye efulethini bese ulikhanyisa, bese uthi:"Abathengisi nabathengisi bagijimela emlilweni kaNkulunkulu".

Bese ukhangise futhi ubonise indawo kumakhasimende angaba khona.

10.2. Ungayithengisa kanjani indlu ngokushesha - amakhambi abantu

Kunamasu athile wokukusiza ekuthengiseni izindlu nomhlaba. Udinga ukwenza amasiko kuphela endlini ozoyithengisa. Nakhu:

1. Ngaphambi kokuqala ukuthengiswa kwezindlu, kufanele igcwaliswe ngamandla ahlanzekile, kufanele ikhuphuke esikhaleni sonke. Lokhu kudinga ibhakede elihlanzekile, mhlawumbe elisha. Yigcwalise ngamanzi abandayo bese uyibeka endaweni emnyama izinsuku ezimbalwa. Kamuva Izinsuku ezi-3 geza kahle phansi. Ngemuva kokuhlanzwa okumanzi, umuntu kufanele acabange ngokunikela ngamakhona akhe amadala bese ewanikeza umuntu okhokha imali enhle.
2. Zonke izindawo zokuhlala zine-brownie. Ngaphambi kokwenza indlu oyithengisayo, kufanele uqiniseke ukuthi umuntu ongaba iklayenti ukhululekile futhi uzolile lapho ehlola indawo. Ukuze wenze lokhu, kunconywa ukubeka ipuleti ngezinto ezinhle etafuleni.
3. Kusukela ezikhathini zasendulo, ukolweni ububhekwa njengophawu lwemali. Kukhona umbono wokuthi uma ubeka okusanhlamvu okukodwa ngasikhathi sinye kuwo wonke amakhona, ungabona ngokushesha ifulethi.

Yonke imicikilisho yenziwa kahle ngovivi, ngosuku okufika ngalo iklayenti elingaba khona.

10.3. Ungayithengisa kanjani indlu ngokushesha - izimpawu zomuntu

Labo abakholelwa kuzo zonke izimpawu, zigcwaliseka ngempela. Kunzima ukuphikisana nenkolelo-ze edumile, ngoba amava abo abelokhu eqongelela emakhulwini amaningi eminyaka.

Ingabe zikhona izimpawu zokuthengisa impahla ngokushesha futhi ngenzuzo? Impela ikhona. Ezinye zazo zingasetshenziselwa noma yikuphi ukuthengiswa, kanti ezinye zingasetshenziselwa ukuthengiswa kwefulethi.

1. Awukwazi ukutshela noma ubani ukuthi ufuna ukususa amamitha wakho wesikwele amadala. Lokhu kufanele kushiwo kuphela lapho isivumelwano sesiphothuliwe.
2. Lapho ubuzwa ukuthi inqubo yokuthengiswa kwezindlu zihamba kanjani, umuntu akufanele akhulume ngayo ngomqondo wenjabulo. Kuyafaneleka ukuphendula ngomoya ophansi, kepha futhi ngaphandle kwezikhalazo.
3. Uma othile ephikisana nokuthengiswa, indlu izokulengiswa.
4. Lapho umuntu ongaba iklayenti efika, kudingekile hhayi ngombhalo oqondile, kodwa ngokungathi kuyithuba lokumenza ahlale egumbini. Amathuba esivumelwano kuleli cala azokwanda.
5. Umthengi oyisicefe - entweni enhle. Vele ubekezele.
6. Iklayenti lihlala linemali eningi kunokuba lizama ukukhombisa. Uma efuna ukuthenga ifulethi kuwe, angathola njalo inani elilahlekile.
7. Izimpawu zabantu zakudala: uma indlu inomnikazi oyedwa, kulula kakhulu ukuyithengisa.

10.4. Umkhuleko ozokuvumela ukuthi uthengise indlu ngokushesha nangempumelelo

Nazi izibonelo zozungu abambalwa abadumile:

1. Funda umthandazo phezu kwebhakede lamanzi: “Amakhona amane, ifulethi lami ne-brownie. Ngiyakwenqaba, kusuka ezingalweni, eminyango esindayo, kusuka ku-brownie naku-4 corner. Noma ngubani onginika imali yakho uzokuthola nawe. Amen - izikhathi ezingu-3»... Ngemuva kwalokho, sigeza ngamanzi phansi, into ebaluleke kakhulu ukugeza ihholo. Sithela amanzi ngqo emgwaqeni. Kepha uma, lapho uqhuba ibhakede, othile engena endleleni, khona-ke umthandazo ngeke ube namandla awo.
2. Ngo-3 ekuseni, sisho uzungu kumshanelo: “Ngishanela yonke into kahle njengodoti, ngishanele, ngiphinde ngikhombe ikhasimende endlini yami. Iklayenti lokuqala lizoza kimi, elesibili, kodwa elilandelayo lizothenga - lizothatha ikhaya lalo. Amen "... Ngemuva kwalokho, udinga ukulala, bese uqala ukuziphindiselela ekuseni kakhulu, lapho kuvela imisebe yokuqala yelanga. Isiko phinda izinsuku ezi-3 zilandelana.
3. Lo mthandazo ufundwa ngaphambi kokufika kwamakhasimende, udinga ukwazi isikhathi esiqondile abazovakashela ngaso lelo fulethi. “Amawindi ami akhanyayo, imibundu yami ebiyelwe, imethrikhi esontekile, izinsika. Bheka futhi uxoxisane nami. Amen ".
4. Umkhosi onekhandlela elilula. Zama ukukhipha intambo, uyikhanyise ezinhlangothini zombili, futhi ize ishunqise lapho udinga khona ukufunda uzungu: “Umlilo ungunaphakade, futhi umoya wami umakwe ngesiliva, igolide nokuhle. Okusalayo ngemuva kokucisha kwentambo kufanele kuhanjiswe nawe yonke indawo kuze kuthengiswe indawo.

10.5. Ungawathuthukisa kanjani amandla endlini noma efulethini ngaphambi kokuthengisa

Isiko elilula ngokuya ngomlilo:

1. Khanyisa ikhandlela lesonto bese ugxila elangabini lalo, ngenkathi uzama ukucabanga ngeqiniso lokuthi konke ukunganaki kuyaphela, njengokusha komlilo.
2. Ngekhandlela elivuthayo, sondela emnyango wangaphambili bese ungena kuyo yonke indawo yokuhlala nayo, ngasodongeni ngokwewashi. Ungakhohlwa ukubuka ilangabi, ngenkathi ucabanga ukuthi konke kuhamba kahle ngawe, ukuthi ikhaya lakho likhululekile futhi lifudumele.
3. Zama ukubona ukuthi ikhaya lakho ligcwele uthando nokuthula. Izindonga zakho zisiza bonke abaqashi kanye nawe ukushintsha imibono ibe ngokoqobo.
4. Lapho uqinisekile ukuthi ifulethi lakho liyakusiza ngempela, bese ucabanga ngeqiniso lokuthi ngaphakathi endlini uvikeleke ngokuphelele ezinhlosweni ezimbi zabantu.

Lo mkhosi olula uzosiza ukuthuthukisa amandla asekhaya noma efulethini lakho, okwenza umthengi wakho wesikhathi esizayo azizwe ekhululeke kakhudlwana kuwo.

Sincoma futhi ukufunda indatshana yethu: "Ungayiheha kanjani imali nenhlanhla empilweni yakho ekhaya" - izimfihlo, amabika kanye nozungu.

Imibuzo edumile evela lapho uthengisa ifulethi bese uyiphendula

11.Imibuzo evame ukubuzwa (FAQ) ngokuthengiswa kwefulethi 🔔

Lapho uphetha ukuthengiselana kwempahla nokuthengiselana, ubunzima bungavela ngenxa yokuthi umthengisi akazazi izingibe ezingatholwa lapho kuthengiswa ifulethi kanye ne-Civil Code yaseRussia Federation.

Umbuzo 1. Kungenzeka yini ukuthengisa ifulethi elithengwe ngemali yokubeletha?

Ukuthengiswa kwefulethi, okwakutholwe phambilini kusetshenziswa izimali zesitifiketi somndeni, kubhaliswe kubunikazi ngokulingana nawo wonke amalungu omndeni kubhekwa ngokuqapha. Uqinisekisa ukuthi amalungelo ezingane ezingaphansi kweminyaka yobudala awaphuli - okungukuthi, ngemuva kokuphela kokuthengiselana kokuthengiswa kwezakhiwo ezitholwe ngosizo lwesitifiketi, izingane azilahlekelwa yisabelo sazo. Ngalokhu, ngeke kuthengiswe izindlu ngaphandle kwemvume yomgwamanda wombuso.

Ukuthola imvume, abazali bethula ubufakazi bokuthi amalungelo ezingane zabo ngeke ephulwe ngemuva kokuphela komsebenzi, okungukuthi:

• ngokubuyisela, bazonikezwa amasheya efulethini elisha noma endlini;
• ngemuva kokutholwa kwenye into yokuhlala, ubukhulu bendawo nhlobo ku-real estate entsha ngeke bube ngaphansi kwezakhiwo ezihlukanisiwe, okungukuthi, izimo ezingezona zokuphila zizoba sezingeni elifanayo noma ezingcono.

Ngakho-ke, kungenzeka ukuthengisa izindlu ezithengwe ngezimali zokubeletha, kepha kuncike ezimweni ezithile:

1. Imvume evela ekunakekelweni kokuhlukaniswa kwempahla yatholakala.
2. Izingane ezingaphansi kweminyaka yobudala obuningi ngeke zilahlekelwe amasheya azo kunoma yiziphi ezinye izindlu nezimo zokuphila ngeke zibe zimbi kakhulu.

Umbuzo 2. Kungenzeka yini ukuthengisa ifulethi kubambiso?

Yebo, kungenzeka ukuthengisa ifulethi kubambiso. Ngaphezu kwalokho, kunezindlela eziningi ezifakazelwe zokuthengisa ifulethi elibambisa ngempahla, esikhulume ngalo ekuqaleni kwalesi sihloko.

Inkinga okungahlangatshezwana nayo kuphela ngenkathi kuqedwa ukuthengiselana ukuncishwa kwelayisense esikhungweni sezikweletu, kepha lokhu kwenzeka ngokungavamile kakhulu.

Ukuthengisa izindlu nomhlaba ngokuboleka imali kuzobukeka kanjena:

1. yonke imibandela nemininingwane kuxoxiswana ngayo ngomlomo phakathi komthengisi nomthengi;
2. isivumelwano sokuqala siyaphothulwa bese kukhokhwa kusengaphambili ngezimali zomthengi uqobo;
3. umthengisi udlulisela kwiklayenti yonke imibhalo ephathelene nempahla yokuhlala: khipha esivumelwaneni se-USRN / umnikelo, amakhophi wamaphasipoti / isitifiketi sokuzalwa, isitifiketi sokubhalisa, isitifiketi esivela ku-BTI, uhlelo, ikhophi le-akhawunti yomuntu siqu futhi ukhiphe encwadini / isitifiketi sendlu;
4. ibhange lihlola amadokhumende ahanjisiwe nento etholiwe, liyayihlola, bese linikeza imvume yalo kulokho kuthengiselana;
5. inkontileka yokuthengisa ifulethi iyalungiswa futhi iphethwe njengesisekelo;
6. idokhumenti yokuthengisa nokuthenga ibhalisiwe;
7. inkokhelo yefulethi yenziwa kwi-akhawunti yomthengisi noma ngebhokisi lediphozi eliphephile, elilula kakhulu. Kukhona ezinye izindlela zokuxazulula umthengi nomthengisi - incwadi yesikweletu, ibhokisi lediphozi eliphephile usebenzisa izikweletu zokushintshana, nezinye.

Njengoba ukwazi ukubona kulolu hlu olungenhla, kungenzeka ukuthi uthengise impahla ngempahla ebolekiswayo futhi akunzima njengoba bekubonakala ekuqaleni, ikakhulukazi ngoba abasebenzi besikhungo sezezimali bahlala bekulungele ukuphendula yonke imibuzo yakho.

Umbuzo 3. Kungenzeka yini ukuthengisa ifulethi kubambiso bese uthenga elinye kubambiso?

Imvamisa, ababolekayo banesifiso sokuthuthela efulethini elikule ndawo, noma izindlu ziqala ukubonakala zincane kakhulu.

Akunabunzima bokwenza lo msebenzi uma ifulethi kungabanjwa yisibambiso futhi ingeyomthengisi, okukhona nobufakazi obubhaliwe mayelana nayo.

Uma impahla ithengwe ngesibambiso, umthengisi kuzodingeka ukuthi anamathisele enkulu inani lomzamo futhi uchitha isikhathi esiningi.

Kepha ngokombono kungenzeka:

1. Uzodinga ukuthola umthengi wefulethi elikhona, ozovuma ukukhokha isikweletu semalimboleko yempahla ebanjiswayo.
2. Ngemuva kwalokho, ibhange liyahlanganisa okusha isivumelwano semalimboleko, lapho ifulethi elithengiwe lizoba yisibambiso ngaphansi kwaso.

Amabhange avumelana nokusebenza okunjalo kuphela uma kuthwala kubo noma yikuphi inzuzo.

Umbuzo 4. Usithengisa kanjani isabelo efulethini?

Ukuthengiswa kwesabelo efulethini eliphethwe abantu abaningana kwenziwa ngokuya ngemithetho echazwe ngokuqinile, esungulwe. Bonke abanikazi kufanele bazi ukuthi banethuba elifanele lokuthenga ukuze bagweme izinkinga zomthetho ngesikhathi kuthengiswa izakhiwo.

1) Okuza kuqala kuqala. Ukuthengiswa kwesabelo efulethini kulawulwa Ikhodi Yomphakathi ye-Russian Federation Art. 250... Ikuphi indlela ekhonjisiwe ngokuya ngokuthi ababambe iqhaza kwimpahla yomphakathi eyabelwe babaluleke kangakanani, okungukuthi, ilungelo "Ukuhlengwa kokuqala" share elizothengiselwa umuntu wangaphandle.

Okubalulekile!

Ilungelo lokuhlenga ngokuyinhloko elabanikazi, futhi kungemva kokuba benqabile ukulisebenzisa, lapho impahla ingathengiselwa umuntu wesithathu.

Kepha le mikhawulo ayisebenzi esivumelwaneni sesipho samasheya. Ngakho-ke, kulokhu, ungalahla impahla yakho ngaphandle kwemvume yabaninimnikazi. Kulokhu, abanikazi bangafaka isimangalo ezinkantolo ukufakazela ukuthi okwenziwe ngumnikelo kuyinkohliso. Kulokhu, umnikazi omusha uba sengozini yokulahlekelwa isabelo asitholile.

Ngokwenzayo, imvamisa umuntu kufanele abhekane neqiniso lokuthi umthengi uqale enze isivumelwano sokunikela ngesabelo, bese-ke esethola lonke ikhaya njengomnikazi. Kulokhu, inani lesabelo lizoqinisekiswa yidokhumenti yokuthenga nokuthengisa.

2) Isinqumo ngesaziso. Kususelwa Ikhodi Yomphakathi yeRussian Federation, indatshana 250, isigatshana 2.3 umnikazi wesabelo ubophezelekile ukwazisa abaninimninikhaya ngokubhala ngaphambi kokuthengisa. Uma kwenzeka benqaba ukuthenga noma bengakwazi ukukuhlenga kungakapheli nenyanga, lapho-ke umthengisi angathengisa isabelo sakhe kumuntu wesithathu.

Ungazisa ngesinqumo sokuthola isabelo sakho ngosizo lommeli olungisa izivumelwano noma ngocingo / incwadi ngesaziso sokutholwa.

3) Izinkinga nezingibe. Uma, ngemuva kokuthunyelwa kwesaziso kubanikazi mayelana nemibandela yokuthengiswa kwesabelo, ama-nuances acacisiwe wokuthengiselana aguqukile, maqondana nokwenza ngcono amalungelo amaklayenti, ngokwesibonelo, izindleko zehle noma isabelo sinikezwa kancane kancane, abanikazi ababambisene nabo kumele bazi ngalezi zinto ezintsha.

Uma kwenzeka ukuthi ukuthengiswa kwenziwe ngokwephulwa kwamalungelo abanye abanikazi, khona-ke noma yibaphi abahlanganyeli kubunikazi obabiwe banelungelo 3 izinyanga inselele ukuthengiselana nokuthengiselana enkantolo.

Umbuzo 5. Iyiphi intela okufanele ikhokhwe ekuthengisweni kwefulethi ngo-2020?

KUSUKAUnyaka we-2016 abathengisi kumele bakhokhe intela ekuthengisweni kwefulethi ngenani le- 13% kusuka enanini elidlula ama-ruble ayisigidi esingu-1. (ukudonswa kwentela) okutholwe ngenxa yokuthengiswa kwefulethi, uma bekungelakho ngaphansi kweminyaka emihlanu(uma ukuthengiselana kwenziwa ngaphambi kuka-2016, intela kufanele ikhokhwe uma impahla ibiphethwe ngaphansi kuka 3 iminyaka).

Futhi, kusukela ngo-2016, kuyadingeka ukukhombisa inani lempahla esivumelwaneni sokuthenga nokuthengisa hhayi ngaphansi kuka-70% kusukela kunani le-cadastral yento.

Unganciphisa inani lapho kubalwa inani lentela vula 1 000 000 ama-ruble, okungukuthi, sebenzisa ngokunenzuzo ukuncishiswa kwentela, noma ngemali oyichithe ekuthengeni izindlu.

Umbuzo 6. Uyini umnqamulajuqu wokuletha imbuyiselo ye-3-NDFL yentela yokuthengiswa kwezakhiwo?

Ngemuva kokuthengiswa kwefulethi, isimemezelo 3-NDFL ungahambisa ehhovisi lentela kuphela ngonyaka olandelayo, kuze kube ngu-Ephreli 30 okubandakanya.

Ngokwesibonelouma ukuthengiselana kokuthengiselana nokuthengiwe kuphothulwe ngo-2020, isimemezelo sifakwa ngo-2021 kungakadluli u-Ephreli 30, futhi intela uqobo ikhokhwa ngaphambi kukaJulayi 15.

Uma kwenzeka kwephulwa umnqamulajuqu wokuhambisa idokhumende yokubika, umkhokhi wentela uzokhokhiswa inhlawulo yenani 5% kusukela enanini lentela engakhokhiwe yenyanga ngayinye engaphelele noma ephelele kusukela osukwini olubekiwe lokunikezwa kwayo, kodwa hhayi ngaphansi kwama-ruble ayi-1 000 futhi engeqi ngaphezu kuka-30% wenani elishiwo esimemezelweni.

Umbuzo 7. Imiphi imibhalo okumele ithunyelwe ehhovisi lentela lapho uthengisa ifulethi?

Umkhokhi wentela uhlinzeka lolu hlu lwemibhalo olulandelayo kusiphathimandla sentela:

• 3-NDFL
• isivumelwano sokuthengisa amafulethi;
• umazisi;
• imibhalo yokukhokha engaqinisekisa izindleko zokuthenga indawo yokuhlala ethengisiwe, uma izindleko zayo zingaphezu kwama-ruble ayisigidi.

Umbuzo 8. Okudingayo ukwazi nge-3-NDFL lapho uthengisa izindlu nomhlaba ngo-2020?

Lapho uthengisa izindlu nomhlaba ngo-2020, kufanele uthumele isimemezelo ngo-Ephreli 30, 2021 kubandakanya.

Kuyafana nokuthengiswa kwempahla ngo-2021 - kufaka isimemezelo se-3-NDFL ngo-Ephreli 30, 2022.

Uma indawo yokuhlala bekungeyomnikazi iminyaka engaphansi kwemihlanu, kulokhu kuzofanela ubike ngemali oyitholile ngokukhipha i-3-NDFL.

Ukuqedela isimemezelo, kudingeka imibhalo nedatha elandelayo:

• Igama, indawo kanye nosuku lokuzalwa, inombolo nochungechunge, usuku lokukhishwa nokuthi ipasipoti ikhishwe ngubani, ikheli lokubhalisa;
• isivumelwano sokuthengiswa kwezindlu;
• imininingwane yokuxhumana yehhovisi lentela, uma uchwepheshe enemibuzo;
• uma inani lempahla lingaphezu kwama-ruble ayisigidi, kuzodingeka isivumelwano sokuthenga amafulethi.

P.S. Uma usenemibuzo ngesihloko sokuthengisa ifulethi - babuze kumazwana abekiwe ku-athikili.

Ngemuva kokunquma ukuqala ukuthengisa ikhaya lakho uwedwa ngaphandle kosizo lochwepheshe, kufanele wazi kahle ukuthi okokuqala udinga ukuyilungiselela ngokucophelela le nqubo. Futhi ngalokhu udinga ukwazi imithetho esemqoka nezimfihlo zokuhweba ngempumelelo abaphathi abanazo.

Ukunikezwa kwakho kufanele kube nokuncintisana futhi kufanele. Akufanele weqise izindleko, kepha awukwazi futhi ukwehlisa. Lungisa amaphasela adingekayo kusengaphambili, bese uhlela impahla ngendlela efanele. Futhi okubaluleke kakhulu, yiba nesineke nesikhathi.

Uma ungabaza ukuthi ungathengisa indlu yakho ngokushesha futhi ngokunenzuzo (kungaba yifulethi, indlu, njll.), Ngakho-ke kungcono ukungachithi isikhathi futhi ufune usizo kochwepheshe.

Ekupheleni kwesihloko, sikumema ukuthi ubheke video ngalesi sihloko, lapho umbhali etshela okufanele ukwenze lapho udinga ukuthengisa ifulethi wena ngaphandle kosizo lwentela:

Konke lokho okwethu. Sikufisela inhlanhla nokuthengiswa ngempumelelo kwempahla yakho! Yabelana ngemibono yakho, okuhlangenwe nakho kanye nokuphawula kwakho kumazwana abekiwe

Bukela ividiyo: Indlela Enza Ngayo, Ngiyasola Usethole Enye Indoda (Juni 2024).