Indlela ukuthenga indlu eMoscow? Ukuthenga yokuhlala: amaxwebhu

market capital real estate siye sapapashwa kwaye ihlala onamandla kakhulu nomtsalane. Imfuno emandla yokuhlala e Moscow zigcinwa onke amacandelo, kodwa ngokwemiqathango amatyala kukuba izindlu uphethe indawo yokuqala. Ngokuphathelele lo mbuzo engxamisekileyo njani, e eMoscow ukuthenga indlu ngaphandle iingozi, kwaye kwiimeko kuFeliks. Impendulo ibe yodwa, ukususela ukusebenza kwalo umgangatho kufuna kuthathelwa ingqalelo bokuqonda ezininzi ezichaphazela ifomathi intengiselwano, inkqubo yobhaliso contract, indlela eya kukhethwa into, njalo njalo

Uhlalutyo zokuzilola

Ngaphambi kokuba usayine i amaxwebhu ayimfuneko ephambili zize zibale kunye nomnini indlu, kuyimfuneko ukuba ndimfumanele inani leefekthi, nolwazi evumela ukuba uqinisekise ukusulungeka yingisela. Okokuqala ukuthembeka umniniyo, engqondweni kunye nobuchule zezona isiseko ezisisiseko, ngokungqinelana ne apho ukuthenga indlu. La maxwebhu kulo mzekelo ingaba oku kulandelayo:

• isivumelwano lomnikelo.
• Ulwazi malunga nomnini karhulumente ngokwasengqondweni iimvakalelo.
• Uvumela reference (abantwana, izalamane, kunye nezinye abanini kwezithobekileyo real).
• Ingabe.

Kweli nqanaba kubalulekile kakhulu ukugqiba wihi wa amalungelo ngqo zomthetho indlu, ukuba ukuhlalutya indlela izinto kunokwenzeka ngqo, nto leyo kwixesha elizayo libe isizathu sokuba ukupheliswa wo yingisela.

Hlola zokuhlala

Kweli nqanaba ukulungiselela lokuqala intengiselwano kubalulekile ukuba ahlole indlela ecocekileyo impahla ngokwayo ngokwemigaqo yezomthetho nobugcisa. Yinto eyaziwayo ukuba nokuphuma ezinkulu yokutshintsha abanini kwimimandla yeedolophu ingxubakaxaka "biography" kwezindlu. Ngoko ke, nayiphi na Realtor, echaza ukuba uthenge ngayo indlu e Moscow, bayacetyiswa ukuba batshekishe ngononophelo ulwazi malunga nokuphunyezwa ukulungiswa, isakhiwo kunye nothungelwano zonxibelelwano status.

Ukongeza, kufuneka avavanywe amaxwebhu asemthethweni, kuquka uncedo kwi-ofisi yokundwendwela kunye BTI. Kukho iimeko xa yokuhlala wathengisa ukuba bathembisa ukuba amaziko abolekisa ngemali, uphicotho ngokucokisekileyo real estate ubume lomthetho kuya kuba luncedo kakhulu. Kukwasebenza kwanjalo kuyo imeko yobugcisa yenjongosenzi: kubalulekile ukwazi nje ukuba uthenge ngayo indlu eMoscow ngaphandle iingozi zomthetho, kodwa uyifumana kwifomu apho amabango nomthengisi. Amaninzi ngexesha yokusebenza wafumana iziphene kakhulu kwi ukulungiswa, ngoko uhlalutyo olubanzi ukulungiselela kubalulekile usebenziswano.

Khangela ukuba benza USRR

Enye mithombo iphambili inkcazelo enokuthenjwa apho umthengi nga ngokuzimeleyo uqinisekise i data kwi into ethile, irejista karhulumente (esibumbeneyo kwiRejista State), nto leyo ubhala amalungelo kwilifa lokwenene intengiselwano kunye nayo. Iziqinisekiso zikhutshwa nokuba ngaphandle ulwazi umnini, anambeka owayibumbayo ukuthenga indlu. Amaxwebhu avela kwiRejista State emanyeneyo olusemthethweni kwaye ziqulathe ulwazi malunga nomnini indlu. Kwakhona, ungakwazi ukufumana sisicatshulwa esithathwe isiseko somthetho apho umthengisi uye waba umnini-propati.

ibitheni

Inkqubo ngokwemiqathango wokubhala kuthenga lungohlulwa lube iinxalenye ezimbini: ukuba ukulungiswa kwe ukubala yentlawulo kunye nokubulawa yesivumelwano. Intlawulo yanconywa format non-cash. Kwiimeko apho lwezindlu sele ezifunyenwe kubantu owenza izibalo kunye kuqinisekiswa yi-mthetho, kunye irisithi, nto leyo ithi zonke iinkcukacha ngokuqhubekileyo ngokwasezimalini, oko kukuthi, ngubani na othe, nokuba yimalini kwiCEMIS.

Isigaba sesibini uninzi lwabemi waqonda nokubhaliswa kwesivumelwano kwi izivumelwano. Ngelishwa, oku ukuqonda kakuhle ukuba uthenge ngayo indlu eMoscow ngaphandle umngcipheko iingxaki zomthetho kwixesha elizayo. Enyanisweni, lo isivumelwano kuthengwa ingalungiswa ngohlobo eziqhelekileyo ezibhaliweyo, kodwa kuyimfuneko ukuqinisekisa ikomkhulu Rosreestra. Kwaye ke ukongeza isivumelwano kungeniswa isiqinisekiso notarial kunye sisicatshulwa esithathwe kwirejista indlu.

Ukuthengiswa kunye nokwakha esitsha: Iimpawu kokuthenga

Zombini iinketho ziquka iingozi ezithile xa usenza bethenga. Ukuba uceba ukuthenga amakhaya yesibini, ingqalelo ekhethekileyo kufuneka ihlawulwe imbali yomthetho into. Endala indlu, kokukhona kubonakala ukuba impahla inani elikhulu yabanini, ngoko ke imeko yangoku kwepropati ukuba zihlolwe ngokweenkcukacha.

Akukho lula kangaka kunye zokuhlala kwizakhiwo ezitsha. Ngubani ofuna ukuba umnini propati ngokukhupha amalungelo-nxaxheba kokwakhiwa ekwabelwana, kufuneka ekuqaleni ukuqinisekisa ukuthembeka lomphuhlisi. Uluhlu olusisinyanzelo amaxwebhu ekufuneka ifundwe kumthengi iquka imvume yokwenza ukwakha, ubunini bomhlaba, isibhengezo projekthi. Phezu kwazo zonke ezo nezingeloncedo imingcipheko ngentsebenziswano ababhekisi, ulwakhiwo ayikagqitywa ngexesha izivumelwano, ukuthenga indlu ekwakheni elitsha zinezibonelelo ezimbini ezibalulekileyo: ixabiso bezinto ezinjalo ngendlela avareji 25% esezantsi, kwaye imbali lwepropati lotyando ngokupheleleyo.

Ukuthenga ngaphandle eyinkunzi start-up

Into yokuqala ukucinga abantu abanayo nemali eyaneleyo yokuthenga izindlu - nto-mboleko mboleko. Ngelishwa, ngendlela olunyulu mboleko ngaphandle kwentlawulo phantsi namhlanje, akukho. Iinkqubo ezininzi ingqalelo yokhuseleko ngohlobo nezivumelwano zokubambisa ezikhoyo indawo, kodwa kukho bokuqonda. Umzekelo, ukuthenga indlu kwi mortgage, njengokuba umthetho, akunakwenzeka ngaphandle ingeniso ezinzileyo kunye nembali ecocekileyo ngetyala.

Kwezinye iimeko, iintsapho bangasebenzisa eyinkunzi ngosana. Uncedo kusuka kwiindonga zikarhulumente iya isiba isixhobo elungileyo nethembekileyo ukuphucula iimeko zabo zokuphila, kodwa umthengi kule ndlu kuza kufuneka imali ukuya kwi-15% yeendleko zeprojekthi.

mortgages ezizezinye abe isavenge. Namhlanje, ukuthenga ukhetho kunokuba ibhekisa izixhobo yokuthengisa le kunokuba kweebhanki iinkonzo, nangona kunjalo, imarike real estate eMoscow kungenzeka kakhulu ukufumana izavenge iinyanga ezintandathu kwiimeko yokwenza-50% yeendleko. Kakade ke, ukuthenga indlu kwi mortgage ibandakanya imali inakho elikhulu, kodwa kwakhona impahla ye amaxwebhu sobhaliso ngetyala ngokubanzi.

Xa sithelekisa kwenzala lwenkqubo, izavenge uya kuba mhle kangako. Umzekelo, ukuba evulwe intlawulo epheleleyo iminyaka engaphantsi kwe-10, esi sixa-mali eyongeziweyo ngaphezu kwe-15%. Ukuba rates mortgage enzala inzuzo kakhulu ngakumbi.