Yintoni na ulwakhiwo ekwabelwana. Izinto eziluncedo nezingeloncedo kokwakhiwa nxaxheba

Iingozi ezinxulumene nokwakhiwa joint, Kakade ke, zikho, kodwa oko akuthethi ukuba kufuneka nikunqena eli thuba ukuba ithenge square metres zabo. Ukongeza, ngenxa yokuba namhlanje kukho imeko enzima ngolo hlobo, loo nto iya kuba yindlela elungileyo ukugcina imali yabo. Ngapha koko, ezithengiswayo enye yezi ntlobo nelingatyabuli inzuzo zotyalo-mali. Ingakumbi ukuba isakhiwo share uye neengxaki nje kuphela, kodwa inzuzo nomtsalane kakhulu!

Yabelana isakhiwo - ukuba ...

Inyaniso yokuba namhlanje baseRashiya abaninzi bayathandabuza yokuthenga izindlu kunye inkqubo yokwakha inxaxheba, akumangalisi. Ngapha koko, imeko yezoqoqosho kweli lizwe amagqabi kangako, kwaye umngcipheko elingagqibekanga sisondele. Ngamagama alula, isakhiwo isabelo - uhlobo ukwakha, apho umphuhlisi ukuze aqonde le projekthi, okutsala imali abantu abathi kamva babe abanini ezipheleleyo ezindlini zabo kule ndlu. Kubalulekile ukuqaphela ukuba le mali, kwaye sisephantsi kolwakhiwo. Inzuzo le kucacile ngokwaneleyo. Umphuhlisi akasebenzisi-mboleko ukuze le projekthi, kunye nokwakhiwa nxaxheba ekwabelwana uba zabo zamabango yesikwere seemitha zamaxabiso aphantsi ngobulungisa, kwaye ukukwazi ukuhlawula ixabiso de kube sekupheleni yokwakha. Ngelishwa, ubuqhetseba, yaye abaninzi abasemngciphekweni ukuba ukuzibandakanya neenkqubo zixhaphakile kakhulu kwilizwe lethu. Kodwa abo bantu abangenazo izityhwentywe zemali ngenxa yokuthenga izindlu, indlela enjalo yeyona inzuzo. Enyanisweni, kunokuba ngendlela ekhuselekileyo, ukuba nxaxheba yokwakhiwa ekwabelwana iya kulandela amanye amanyathelo. Umzekelo: khangela amaxwebhu ayimfuneko ukusuka umakhi, ukwakha imvume, ilayisenisi kunye nangaphezulu.

Indlela ukuthenga indlu kwindlu eflethini

Xa i amaxabiso yokunyuka izindlu ezithengiswayo kwilizwe lethu, isakhiwo asabelo ngendlela enenzuzo kakhulu ukufumana izindlu. Eneneni, emva kokuba iprojekthi iphunyezwa ngokupheleleyo, indlu kukho lubekho kakhulu ngexabiso. Ukuze ukuthenga ipropati kunye ngoncedo lwesixhobo investment enjalo, kuye kufuneke ukuba bagqibe ngesivumelwano ekhethekileyo phakathi umphuhlisi kunye client. Njengokuba kukhankanyiwe ngentla, phambi kokuba uqale ekubambisaneni developer ethile, kufuneka ukukhangela onke amaxwebhu ayimfuneko ezingqina ukuba semthethweni kumsebenzi wayo. Musa ukulibala ukuba sithetha izityhwentywe zemali, nokuba ingozi yokosulela uphezulu kakhulu. Iyafuna ukunikela ingqalelo ukuba bangaphi izindlu sele kwakhiwa ukuba umakhi, kwakunye iingxaki ngethuba ukuphunyezwa kweeprojekthi zangaphambili.

Iinkampani ezininzi badla ngokusebenzisa iziko elitsha esemthethweni ukuze kwakhiwe ikhaya elitsha. Kubalulekile ukujonga ukuba ngubani na abasunguli balo. Kwaye musa ukulibala ukuba mhlaba kufuneka abe ngathi. Abathathi-nxaxheba zokwakha ekwabelwana kudla badanile emva unabemi kwi square metres ezifunyenwe. Kaninzi oku kungenxa kanye yokuba abanini musa ukunikela ingqalelo ngenxa zochuku ezifana infrastructure. Kubalulekile ukuba banikele ingqalelo ubukho bakhe ekufutshane: abancinane, ivenkile, ibhanki, eklinikhi, iimoto kunye nangaphezulu.

Amaxwebhu afunekayo ukuze isivumelwano

Ngenxa yokuba kube kwi ukuthenga indawo yokuhlala ayikho imali ngokwaneleyo, abaninzi bakhetha ukuthenga square metres ngoncedo esinjalo isixhobo kusisa zokwakha inxaxheba. Amaxwebhu enika umphuhlisi ekhethiweyo, kufuneka ukuze bayitshekishe ngocoselelo. Olu luhlu kufuneka nakanjani ziquka: imvume yokwakha, amaxwebhu eprojekti, umqeshi okanye ubunini kwisiza somhlaba, ubhaliso karhulumente kunye izibambiso abasemthethweni. "Imigibe" xa wenze isivumelwano lukhulu. Kuqala kwinto zonke, ezo participations sivumelwano (DDU) kufuneka siqulathe idilesi yeposi ngqo. Ukuba ichaziwe, kuyimfuneko ukuhlola ukufumaneka iidilesi yayabelwe okwethutyana, kunye ukulawula ezongezelelweyo ungasinika kwisivumelwano esayiniweyo atywinwe.

Ukuntsonkotha DDU kukuba akukho isampuli omnye ngasekunene olunye, ekubeni izinto kunye neemeko zokwakha zikholisa ukwahlukana. Kodwa ke ezigqame zikholisa lecebo yonke. izinto olugunyazisiweyo xwebhu kufuneka: inkcazelo eneenkcukacha yenjongosenzi kuthengwa, nemihla kunye noxanduva ngokusilela kwakhe ukwenza amalungelo nezibophelelo zamaqela, uluhlu amandla majeure, ngokunjalo nemiqathango kunye neenkqubo yokuphelisa phambi kwexesha, njl Uluhlu lwezinto efunekayo elide ngokwaneleyo .. POS rhoqo iqulethe amaphepha aliqela. Phambi besayine ngumqulwana obaluleke kakhulu, zonke iimeko kufuneka ngokutsha funda. Emihle bonke ukuba bafune uncedo igqwetha. Kulo mzekelo, iingozi sakugcina.

Iinkcukacha mortgages

De kwiminyaka embalwa edlulileyo, zokubambisa ngenxa yokuthenga izindlu ngokusebenzisa equity Yayingekho. Kodwa namhlanje phantse yonke ibhanki ubanika le nkonzo. Inkqubo ngokuboleka imali sokubambisa ekwakhiweni ekwabelwana eyahluke kakhulu ukusuka kuyilo kwesivumelwano efanayo ugqibile lwezindlu. Okokuqala, kuyimfuneko ukuba aqukumbele isivumelwano umqambi. Malunga zonke nezo yokusebenza ekhankanywe ngasentla. Kodwa kusafuneka ndihlawule ingqalelo ulwazi malunga into, ixabiso lomhlaba yokwenene, ngokwemiqathango kunye nenkqubo yentlawulo, lothunyelo ukwakhiwa isicwangciso, nesithuba umgangatho, real estate transfer obekiweyo. Ibhanki mandatory iya kufuna amaxwebhu kubameli kwemvume lo umlingane (ukuba ikhona) kunye nabasemagunyeni nokulindwa (kwimeko yeenguqu ebandakanya yimpahla bantwana). Isivumelwano udlulisela inkqubo olusisinyanzelo imizimba yobhaliso karhulumente. Lidla akuthathi ngaphezulu ngenyanga umntu omnye. Xa uxwebhu ilungele, kufuneka udibane nabo ebhankini. wamaphepha Ezinye zinokwahluka kakhulu, ngokuxhomekeke kwiziko lamatyala. Umlinganiselo wenzala, amaxwebhu, iimfuno mali, njalo njalo -. Suschestvuenno zonke ziyahluka. Into kuphela ukuba udinga wonke ibhanki single - yinto inshorensi sokubambisa ezintsonkothileyo.

Ulwabiwo amabango

Lidla kukho imfuneko kwakhona athengise zezindlu ezakhiwayo. Le nkqubo ibizwa ngokuba "umsebenzi wokwakha ekwabelwana" okanye "umsebenzi amalungelo iimfuno." Esi sikimu iya kwenziwa phambi kokuba isakhiwo lwakhiwe engena mode nokusebenza kwaye iya kufunyanwa ngamaxwebhu isihloko lwezindlu. Umnini, ngubani asayina isivumelwano umakhi, unakho ngalo naliphi na ixesha kuphinda abuthengise omnye umntu unelungelo lokufumana impahla emva ulwakhiwo lugqityiwe. Kubalulekile ukuba uqaphele ukuba nawuphi na umcimbi onjalo uya kunyanzeleka ukuba irhafu. intlawulo yayo phantsi komthetho yabelwa mali lokuqala. Nangona Ukubhida zingasuswa olu xanduva kwi emagxeni abanini equity entsha. Kodwa ke kufuneka kukhunjulwe ukuba umlinganiselo werhafu ibalwa ukusuka kwimali iyonke kwentengiselwano hayi kwi umahluko phakathi isixa-mali kunye nobukhulu sabelo. Ukufunyanwa izindlu ukutshintshwa zemvumelwano usoloko kubalulekile, njengoko kuyingenelo kakhulu kuninzi abatyali-mali.

inxaxheba share Equal okanye nobunini joint?

Amaninzi, kuba nokufunyanwa iipropati abatsha isonjululwe iintsapho abaselula. Ngenxa yesi sizathu, eli into zokwakha ekwabelwana ekhethiweyo ngokuhlangeneyo nje kuphela kunye nendoda yakhe, intsebenziswano isigqibo ngoko uhlobo isivumelwano kuya kufuneka ukuba kugqitywe. Phantsi ubunini odibeneyo imbono esinayo engqondweni ukuba ipropati komtshato iya kwahlulwa-hlulwa ngokulinganayo, oko kukuthi, kwiindawo alinganayo phakathi kubanini bayo. Oku kungenxa yokuba isivumelwano azikho iimeko ezithile. Endaweni yokuba iqabane inokuba isihlobo okanye nawuphi na umntu amazwe ziya kufakwa kwi sivumelwano. Ukuba aqukumbele isivumelwano kunye nesabelo ngokulinganayo, ngoko imithetho yakhe, umnini ngamnye inxalenye ethile propati zilahlwe kuyo ngokwengqiqo yabo. Ngomda kuphela - kukuba ilungelo lokuqala ukuba kuthengwe equity bobabo iqela yesibini. Kwaye, umzekelo, ipropati isabelo akayi kuba mtshato, njengoko yahlulwe ngaphambili phakathi abanini.

inkokhelo

Ngokumalunga nentlawulo yenkonzo, kukho iindlela ezininzi. kuya kuba kangakanani igalelo lokuqala, iindleko izindlu jikelele ziya kuchaphazeleka, kwakunye nemiqathango kuya kwenziwa phantsi kwayo neentlawulo. Ngokomzekelo, xa usenza imali zingaphelanga iintsuku ezintathu zomsebenzi, umthengi afumane isaphulelo evela umphuhlisi ukusuka imitha ngalinye sikwere izindlu. Kungenjalo, ukubala lwenziwa yesivumelwano ngexesha elimisiweyo, yaye iindleko kumiselwe ekuqaleni, ayikwazi kutshintshwa, nokuba phantsi koxinzelelo ka kwamaxabiso, okanye nje lenkqubo yokwakha. Izinto eziluncedo ze iindleko indlu yokuhlawula ngezavenge kukuba omncinci,-nxaxheba bebenoyilungisa "ingxaki yezindlu" yayo. Kulo izindlu zikhethwe kunye neminqweno zabathengi bonke, ekubeni inani yezikwere kunye neempawu ophela kunye nexesha kufunyenwe propati. Ukongeza, ngenxa iintlawulo ezincinane ngenyanga, i-nxaxheba okuthe ukulawula ngempumelelo lwabiwo mali lwakho.

Iingenelo neengozi ukulingana

Inzuzo ephambili nokufunyanwa izindlu esebenzisa equity - na iindleko phantsi. Ukuthenga zezindlu ezakhiwayo, kunokuba elungileyo kakhulu ukusindisa. Kuba imeko yangoku kweli lizwe a plus ebalulekileyo. Ukongeza, le deal kuqukunjelwe ngqo ngohlobo lwemali kazwelonke. Ethetha bobubi, okokuqala nje ndifuna ukuthi xa usenza isabelo lesivumelwano umthengi akuthethi ukuthenga indlu, kodwa kuphela ilungelo lokufuna ukuba isithuba ephilileyo ukusuka kumqambi. Ngelishwa, imakethi iyilwe ngendlela yokuba amathuba okufumana impahla yakho ngexesha lisezantsi kakhulu. Ke inani maqhinga mkhulu ngokwaneleyo. Ngoko ke, kufuneka ngenyameko ukuze ukhetho lomphuhlisi kunye nokubhaliswa amaxwebhu. Kaloku, ukuba kukho imibuzo kunzima ukuphendula ngokwabo, kuya kuba kuhle ukuba ufune uncedo liyincutshe onamava. ukwakhiwa ekwabelwana ngayo izakhiwo zokuhlala ziya kusoloko liyathandwa emarikeni.