Inshorensi isihloko xa uthenga indlu: ukuyila umgaqo-nkqubo, iimeko

Namhlanje sijonga umbuzo umdla kakhulu - i-inshorensi isihloko real estate. Yintoni na yaye kutheni ufuna?

Ngokuyintloko, le isihloko kusenokuba umdla kwabo uceba ukutyala imali surplus izindlu. Ukuba kwixa elizayo uceba ukufumana ubunini indlu, ndlu okanye Cottage ezweni - inshorensi isihloko kunokukukhusela iimbandezelo ezininzi.

Inyaniso kukuba xa uthenga indlu, ubunini oye ngokuphindaphindiweyo zatshintsha umniniyo, uzibeka endaweni enobungozi. ilungelo lakho lokuba ukufumana ipropati umngeni nangaliphi na ixesha Wayengomnye wabanini wangaphambili. Ngezizathu oko zingacwangciswa. Inshorensi amalungelo obunini izihloko nje ijoliswe kunisindisa kwiingozi ezinjalo. Makhe siqonde ngakumbi.

Yintoni i-inshorensi isihloko

Ngoko ke, oko kuthethwa elithi "real estate inshorensi isihloko"? Yintoni na? Ngoko wabiza-inshorensi enikezela ukhuseleko nxamnye umngcipheko wokulahla ilungelo kwipropati, ukuba intengiselwano babeza umngeni kwaye imbala. Okubangel 'umdla kukuba umgaqo-nkqubo onjalo ukhusela umntu kungekhona into enokwenzeka kwixa elizayo kunye neziphumo oko sele kwenzeka kuye kanye kunokwenzeka. Ngexesha contract inshorensi isiqu esinjalo iziganeko ayaziwa nayiphi na amaqela kwaye akukho ukuzibonakalisa.

Igama livela-nkqubo ocaciswe ibinzana elithi "title ngokusemthethweni", nto leyo ithetha uxwebhu eqinisekisa ilungelo elikhethekileyo lokuba ubunini kwipropati ethile.

Ukuza kuthi ga ngoku Izivumelwano ezinjalo badla waqukumbela ngexesha elifanayo kwisivumelwano kwi-inshorensi propati. Lo mhlaba ke bavame kwiintambo izenzo zomthetho elide. Indlu efanayo eniza kuyithengisa izihlandlo eziliqela, waba into umnikelo, ukuba wedwa nangayiphi na indlela, ilifa kunye transfer ukusuka isandla ngesandla, ngokusekelwe isigqibo leenkundla. Ukuba ezingachanekanga zomthetho ngayo nayiphi na kwezi zinto, kuba le yinxalenye yesosivumelwano nje kuphela, kodwa zonke ezilandelayo ukuze umngeni kwaye imbala. Ngenxa yezi zenzo umnini yangoku propati, ndayihluthwa ilungelo ukufumana impahla. inshorensi isihloko, nto leyo kwakhona mihle, nje kwaye ikhusela umnini nxamnye lo mngcipheko.

Isizathu sokuba ukwenze

Isiphumo ephambili kukuba umntu ufumana kolu hlobo lwenkonzo - imbuyekezo kwilahleko ekungenwe xa kuthe yokulahlekelwa kwempahla ukufumana indawo yokuhlala, indlu okanye cottage. Ukongeza, enye imbuyekezo enxulumene imbuyekezo ilahleko ezongezelelweyo ezinxulumene isiganeko inshorensi inganikezelwa kwisivumelwano.

kunjalo Insurance kuyaqapheleka into ebhalwe ukuba wabandezeleka umonakalo kanye enxulumene kunye nelahleko (ngokupheleleyo okanye ngokuyinxalenye) ubunini lwezindlu. Xa kwenzeka esi siganeko, nokuba ukholo lwakho ngokusekelwe isigqibo senkundla, uye wangena ngenkani.

Ukususela oko inshorensi isihloko ukhusela

Ukufunyanwa nayiphi na ipropati, ingakumbi lwezindlu, kufuna indlela ezinzileyo kunye noxanduva. Kubalulekile ukuthatha ingqalelo zonke iinkcukacha, zonke iinkathazo kunokwenzeka. Ngokutsho manani ezisemthethweni kancinane ngaphezu kwesinye ekhulwini kwiintengiselwano ezenziwe izindlu, inkundla zibonakaliswa mthethweni. Kubonakala ukuba kancinane, kodwa ukuba kungafuni wena.

Izizathu umngeni zinokuba nomahluko. Ngokomzekelo, ebudeni uthengiso zange ithathelwe ingqalelo iimfuno zomntwana. Sele njengesiseko umngeni lungamkeleki. Kwaye oko kungenziwa nkqu nasemva kweminyaka emibini okanye emithathu.

Ekubeni izikimu yobuqhophololo rhoqo kwabantu abathetha ngazo izindlu, i-inshorensi isihloko xa uthenga indlu kuya kuqinisekisa ukuba imali yakho nzima kwi ezipokothweni angekho perekochuyut Realtors 'abamnyama'.

Kakade ke, ngaphambi kokuba deal ixabisa bayitshekishe ngocoselelo zonke ins kunye outs izindlu ezithengiweyo. Kodwa ke oku kuba yingxaki kakhulu. Into yokuba i-mpepha badla bayala ukubonelela idatha kuzo zonke iintengiselwano ezenziwa ngaphambili kwipropati. Ukuba ukhuthaze ukwala data umnini lokugqibela okuthiwa ngokwaneleyo. Ukuziqhelisa, oku akunjalo. Kusenokuba yokubhengeza umnini ekuqaleni, kwaye ukuba amalungelo abo bonke abanini ezilandelayo, enoba bangaphi na, ziya kubhengezwa njengento elilize nengekhoyo yinkundla. Kungenxa yoko le nto inshorensi isihloko ipropati yenza inkqubo intengiso ikhuseleke kakhulu.

Xa intengiselwano nga umngeni kwaye kumise

Kukho iimeko ezininzi apho deal lingaqonda ayisebenzi:

• kuyilo amaxwebhu yakha;
• ngokuba impahla bababamba ngenxa kwamatyala engahlawulwanga Wayengomnye wabanini wangaphambili;
• sihlala athengwa hayi evela kumnini oyinyaniso;
• umthengisi ayithethi malunga ingxabano of "kwisiqingatha sesibini 'bakhe bamisele intengiselwano;
• bathenga indlu kwi ibango kwiindlalifa abanini bangaphambili.

Kwezinye iimeko, kwigumbi inshorensi isihloko nako ukufumana umnini entsha esuka ilahleko ebangelwe ilahleko okanye umda amalungelo obunini:

1. Ngelo xesha wentengiselwano mthengisi umntwana, akavumelanga isifo sengqondo okanye kuphela xa amandla ekwenzeni wafuna.
2. Amaxwebhu ezo zinto zabuya waphula umthetho imithetho ekhoyo.
3. Lost amandla ekunene okanye utrasti, kwiimeko apho intengiselwano senziwa ngumthengisi ayikho uqobo.
4. Le isivumelwano ngobuqhetseba okanye phantsi kwempembelelo yobundlobongela okanye izoyikiso.

Kangakanani kubiza

Ngoko ke ndigqibe akhuphe inshorensi kwisihloko. wenza kangakanani-nkqubo onjalo, yaye yintoni ixabiso layo oxhomekeke kwilungu na? Isixa-inshorensi kuthathwa ngenxa yesivumelwano phakathi kwamaqela. Kwiimeko ezininzi, siyafana ukuya kwenye yezi parameters:

• market (abona bagqibileyo) ixabiso lwepropati ngexesha lokusayina kwesivumelwano;
• iindleko nokufunyanwa loo lwezindlu (iindleko replacement);
• iindleko replacement, okt isixa efunekayo ukuze kwakhiwe into efanayo;
• isixa esithile kwi kwisivumelwano sentengo (ukuba kusalindwe);
• iindleko izindlu phantsi kwesi sivumelwano, phantsi ezo zifunyenwe nobunini.

Yintoni kuchaphazela ubungakanani izinga inshorensi

Intlawulo ukuba kufuneka wenze ibe inshorensi kwakhona ixhomekeke ezininzi iparameters:

• ixabiso sum-inshorensi;
• isixa umngcipheko ithathelwe ingqalelo kwisivumelwano;
• imbali indlu okanye iiflethi (inani nabanini wangaphambili);
• ubukho franchise kunye nobukhulu bayo;
• iimpawu ze-sikhokelo zolawulo ezazikho ngexesha iintengiselwano zangaphambili okanye uthengiso;
• Ixesha le nkqubo.

Kuxhomekeka zonke ezi zinto, amanani-inshorensi isihloko kungabalelwa ngesantya 0.1 ukuya 5% isixa-inshorensi. Konke kuxhomekeke nemiqathango yesivumelwano.

imithetho design

Olu hlobo inshorensi liyimfuneko kuphela xa ukufunyanwa izindlu kwimarike eziziisekondari. ezithengiswayo inshorensi Isihloko uya kukukhusela ngokunjalo xa uthenga indlu ekwakheni elitsha. Kuba uphumezo elichanekileyo kwesivumelwano kufuneka uzilungiselele:

1. Uxwebhu eqinisekisa ilungelo lobunini-asethi (yentengo, isipho, ilifa, njalo njalo).
2. Isiqinisekiso sobhaliso karhulumente.
3. izindlu sheet Data.
4. Sisicatshulwa esithathwe kwirejista indlu.
5. Plan of indlu okanye umhlaba (xa kuziwa kwi-inshorensi ezi zinto).

Kufuneka wenze ntoni xa umcimbi inshorensi

Ukuba kukho imeko apho inshorensi isihloko nangoku imidlalo, kufuneka kwangoko wazise IC wakho. Kufuneka ukuba buqu ngeenxa ngokukhawuleza kangangoko kunokwenzeka ukuba la maxwebhu alandelayo:

• yokundwendwela kazwelonke okanye obunye ubungqina bokuzazisa kwakho;
• isivumelwano esisemthethweni-inshorensi isihloko;
• i yoqobo kunye nekopi yesigqibo senkundla ekusekeni isibakala le yokuhlukana wepropati ezifunyenweyo.

Emva kokuba kugqitywe uviwo ngenyameko amaxwebhu SC kufuneka ukuba ahlawule isixa esipheleleyo kwekhontrakthi. Ukongeza, ukuba inshorensi lwaqukwa into kwi zembuyekezo ezinye iindleko, ezifana neendleko zomthetho, imali uya kubuyiselwa ngeendleko.

iimpawu zokhuseleko

Ngelishwa, isivumelwano se-inshorensi isihloko ayikho athandwa kakhulu kweli lizwe lethu. Ngaphezu koko, aba ngabantu abaninzi nkqu bazazi bobukho ithuba enjalo. Ngoko ke, ekupheleni kwekhontrakthi inshorensi behlala besenza iimpazamo, ubukho leyo ekhokelela ukuba nemiphumela emibi xa umcimbi inshorensi.

Xa wokutyikitywa kwesivumelwano kufuneka sinikele ingqalelo ezi ngongoma zilandelayo:

1. Akukho mfuneko ukuba asayine isivumelwano apho kukho uluhlu olubanzi ubungozi inshorensi. Amathuba ukuba ezinye meko iya nje azithathelwa ngqalelo, apho ekugqibeleni kukhokelela ukukhanyela intlawulo. Kungcono ukuba ikhontrakthi iya Ukhankanye ukuba imbuyekezo kuxhomekeke ilahleko amalungelo obunini, nokuba unobangela.
2. Ezinye UK zinika-nkqubo, ecacisa ukuba imbuyekezo kuyimfuneko kuphela imicimbi ezenziwe inxaxheba yakho ngqo. Kwakhona kakubi kuchaphazela kufunyenwe intlawulo.
3. Kaninzi kwi ekuphelisweni kwiintengiselwano real estate kule mvumelwano ubeka imali encinci kakhulu ngaphezu ngokwenyani. Iyafana ukunciphisa isixa serhafu. Ngoko ke, ukuba inshorensi isihloko kubaluleke kakhulu ukuba angene kwimvumelwano lixabiso yokwenene intengiselwano kunokuba lowo ebhaliswe ikhontrakthi yokuthengisa.

Ubuqili inshorensi isihloko ne mortgage yakho

Kaninzi nge -mboleko neebhanki ifuna umthengi ukuba ubomi inshorensi kunye nempilo. Akumangalisi oku, kuba ibhanki unomdla ukufumana imali yabo phofu. Akukho inshorensi isihloko idla akanyanzelisi, kuba akanamdla ebhankini, kodwa wena ngokwakho. Nkqu apho kuthenga ziya kuvakaliswa mthethweni, ibhanki kuya kufuneka ubuyele imali kuwe.

Ngendlela, ukuba inshorensi isihloko mortgage kuluncedo kakhulu kumthengi. Ngapha koko, phambi kokuba isivumelwano yi -arhente inshorensi unyanzelekile ukukhangela ngenyameko zonke iinkcukacha intengiselwano kwimeko olunikezela umxumi ngoncedo igqwetha abaqeqeshiweyo. Ngokubanzi, yenza konke okusemandleni ukuze kuphetshwe ukuba esi siganeko inshorensi.

Eqinisekisa Isihloko mortgage kufuneka kukhunjulwe ukuba kule mvumelwano kufuneka ufake imali ngaphantsi koko kuya kufuneka ukuba uhlawule ekugqibeleni. Ewe, kwaye isivumelwano inshorensi kufuneka kugqitywe ngeli xesha linye.

Xa inshorensi akayi ukunceda?

inshorensi Isihloko asinto ilikhubalo ngokupheleleyo. Ngelishwa, kukho imingcipheko apho ayikasebenzi. Ukuba emva ukuthenga ipropati kukho isiSwahili ukuba sinxulumana nokulahlekelwa impahla, umgaqo-nkqubo isihloko akuyi kukunceda. Kuthetha ukuthini?

Nanku ke umzekelo encinane. Wena wathenga indawo yokuhlala, yaye emva kweminyaka emithathu kamva kwafunyaniswa ukuba yona ebhaliswe omnye umntu (ngaphandle ngumnini). Ngelo xesha yingisela na ongekhoyo (umz entolongweni okanye ukusebenza kwamanye amazwe), kwaye ngoku umva. Ukuba uhlala kwenye indawo, ngokungqinelana ne kwinqaku wamashumi omane-siseko, uya kuba nelungelo lokuphila kwikhaya lakho. Kule meko, le meko iya ihlonitshwe ngamazwe isiganeko benefits, njengoko wenza kungabikho namnye othi ubunikazi.

Ngoko ke musa ukubala kwi-inshorensi isihloko njenge ilikhubalo lokunyanga zonke izigulo. Ukuze aphephe izimo ezimbi, kufuneka wenze inani lobuninzi ngemizamo ukuzikhusela ngokwabo kuzo zonke iingozi.