Isabelo ezindlini e esitheni isakhiwo sokuhlala esisha - kuyini? Izinzuzo nezingozi yokufuna izindlu ezintsha ngaphansi inkontileka lwesabelo

Eyodwa yezindlela ethandwa kakhulu imali emakethe umhlabathi - lo isabelo ezindlini ezakhiweni ezintsha. Kuyini - uyaqonda yini wonke umuntu, futhi ngokuvamile saqala akafuni lokudlela nalo. Ngokwezibalo, cishe okwesihlanu zonke izindlu kuyakhiwa sithengiswa ngaphansi kwalesi sikhwama. Yiziphi izinzuzo main nemibi lezi ukuthengiselana? Yini umthengi isengozini?

Isabelo ezindlini ezakhiweni ezintsha: kuyini?

Isabelo - inkontileka ukudluliselwa amalungelo endawo kumuntu wesithathu. Okwenziwayo kungenzeka kuze kube usuku ikhomishana isimo, lapho imibhalo zetayitela emagcekeni esakhiweni ayikho. -Zimali abathenge endlini esakhiweni esisha enkampanini yokwakha idlulisela amalungelo ayo impahla nabanye abantu zemvelo bese ekukhokhela. Ngokuvamile, zimali uthola kuthengiselana kusuka 10 kuya 90% ukubuya ku imali etshalwe izakhiwo ezintsha. umhlanganyeli omusha ukwakhiwa wabelane Yathuthela amalungelo nezibopho phambi unjiniyela.

Isabelo amalungelo endawo efulethini e isakhiwo esisha kungaba kwenziwe ngezindlela ezimbili:

• Ngokwe-control sivumelwano (umdayisi ophindisela izikweletu kunjiniyela kanye nezimali yomthengi, kuthengiselana kungaba kwenziwe izikhathi eziningana esinye sezici ingcebo);
• Ngaphansi inkontileka kwangaphambilini (ngeke ibhaliswe isimo, sisungula kwesokudla nomthengisi kanye umthengi ukuba ngiqhube kuthengiselana esikhathini esizayo).

Ukukhokhelwa senzeka kwesivumelwano mutual.

Indlela ukudayisa efulethini umakhiwo isabelo: Phase

isabelo Inkontileka egcina izigaba ezine ukucutshungulwa:

1. Ukuhlola kumadokhumenti kanjiniyela:

• charter yenkampani;
• Memorandum Association;
• isitifiketi sokubhaliswa isimo futhi ebhaliswe yentela yombuso Izikhungo;
• evumela for ukwakhiwa;
• iphrojekthi isimemezelo;
• Imibhalo eqinisekisa uxhaso.

2. Umthengisi yazisa mayelana inhloso ukuthengisa impahla kunjiniyela, bese kumele ukuthola imvume kusuka kuye ngokubhala, kanye imibhalo eqinisekisa ukungabi khona ezibophweni ezingokwezimali ukuze liqine. Futhi adinga imvume kwasayinwa iyisithandwa ukuthengisa impahla, isinqumo yesikhungo semfundo credit (uma izindlu ukuthengwa kwezincwadi ku-mortgage), i kula irejista ukuze isikhala ephilayo. Umthengi kumele athole imvume kwasayinwa iyisithandwa futhi uthathe kuleli bhange, bafike inkontileka mortgage okuhlinzeka isikweleti sendlu (nge-mortgage).

3. Londoloza sivumelwano ukunikezelwa uqobo. Kwenze kungenzeka ukuba unjiniyela e ingcebo ihhovisi noma ummeli.

4. Kukhona ukudluliselwa ukubhaliswa isimo inkontileka division Rosreestra.

Kuyinto isabelo okungenzeka mortgage

Umthetho Russian zamanje sibeka ukuthi ukunikezwa mortgage namafulethi isakhiwo esisha kungenzeka. Kuze kube yimanje, umdayisi kudingeka ukuthola imvume ebhaliwe isikhungo credit, njengoba idlulisela izibopho zezimali kumthengi ngokugcwele. Ngakho, umthengi evuma ukuhambisana nayo yonke imibandela yesivumelwano loan. Kulesi sigaba, kudingeka uhlole ngokucophelela inkontileka ka-mortgage abolekise, njengoba ibhange ilungelo lokwenza izinguquko uwedwa.

izintela

Ngokwe-Tax Code, emva isabelo eyenzekile isakhiwo sokuhlala, intela ka-13% kumele zikhokhelwe umdayisi. Ukudoswa lokho kwenziwa kusukela inani inzuzo - umahluko phakathi ukuqhutshwa nezindleko yokuqala yezindlu. Kuze kube yimanje, umdayisi kufanele athumele ukuba uMnyango Tax Ukuhlolwa Declaration kwifomu 3NDFL.

Ngokwesibonelo, uma indlu wathenga i-1000000, bathengisa ngaphansi kwesivumelwano abasenza sokushintsha ubunikazi 2000000, inani imali yentela ngeke azisizi 130,000.

Uma umthengi efuna ukuthola imali yentela ngoba ukuthengwa ingcebo, abuze umdayisi irisidi yokukhokha izintela.

Okuhle

Umthengisi inzuzo umthengi emva isabelo senziwa esinezindlu eziqashisayo. Yiziphi lezi zinzuzo?

Umdayisi yenza inzuzo kusukela ukudayiswa. Ngaphezu kwalokho, ubukhulu bawo kungenzeka kakhulu ngaphezu lemali ekuqaleni etshaliwe.

Kuzuze ikhasimende:

• izindleko okuphansi liqhathaniswa izindlu ngomumo.
• The kungenzeka ukuhlela ngamunye.
• Uthenge i efulethini ngokomthetho ahlanzekile.

nebubi

Naphezu kweqiniso lokuthi le ukudluliselwa amalungelo efulethini esakhiweni esisha - amadili ethandwa kakhulu emakethe ingcebo, ukuthi kuyingozi. Phakathi izingozi eyinhloko ukukhululwa:

• Ucabanga lenkampani ukwakhiwa.
• Ukukhansela yesivumelwano sabelo.
• ukudayiswa Dual.
• Umthengisi akabazisi unjiniyela lesi sabelo.

Manje cabanga ngala maphuzu ngokuningiliziwe.

inkampani ukwakhiwa ucabanga

Phakathi nenkathi, abalwa kusukela ngomzuzu sokubhalisa isimo PO ukuba basayine nesenzo ukudluliselwa endlini operation, abanikazi isithakazelo ingadlulisela amalungelo abo impahla. Isizathu esiyinhloko isabelo kungukuphula kunjiniyela izindinganiso ikhwalithi ukuhlehliswa okuphindiwe ukwakhiwa. Ngokuvamile, lezi izimo ngenxa ucabanga lonjiniyela we lohleliwe.

Ngemva abanikazi isithakazelo kokuqala uyonika abantu ilungelo lokuthola izindlu e ukwakha isakhiwo esisha, wemfanelo phambi ilungu elisha PO uzobe iletha kuphela lonjiniyela. Uma unjiniyela kwephula PO hhayi enze izibopho zakhe, ukuqedwa kwenkontileka lwesabelo akunakwenzeka. abanikazi isithakazelo okusha ziyeza umbango kakade ngqo unjiniyela.

abahlanganyeli zokuqala ukwakhiwa bangase babe nesibopho sokuphatha Umakhi yesivumelwano, kuphela uma uthatha ngebheyili. Amadili ne isiqinisekiso ezingajwayelekile kakhulu.

Ukukhansela yesivumelwano isabelo

Isabelo ngokuthenga indawo esakhiweni esisha kufanele akuphikisani nemithetho imithetho ekhona kanye inkontileka ku iqhaza ekwakhiweni ngokuhlanganyela. sivumelwano Isabelo owaziwa siyize kwalezi zimo:

• abanikazi isithakazelo kokuqala ehluleka ukuhambisana nezibopho zezimali ukuba ngunjiniyela ebhange.
• Ayikho imvume ebhaliwe etholwe inkampani ukwakhiwa.
• Sithole ukugunyazwa okubhaliwe kusukela ebhange uma izindlu uthenge ngosizo credit.

Ephambi kwezinduna okungenani yezinto ngenhla yesivumelwano lwesabelo ayivumelekile. Ngokusho sihloko 390 Code Civil, umthwalo isiphelo sesimiso inkontileka ayivumelekile uwela ngokuphelele woqobo umhlanganyeli DDU. Enesibopho ukukhokha imali idluliselwe kuye, futhi akhokhe inzalo futhi buyisela niphanjwe ingcebo zimali ukulahlekelwa.

ukudayiswa Dual

Ngo-2011, kwethulwa izwi lesinqumo waphasiswa owawuthi zonke PO angaphansi ukubhaliswa isimo wokweshumi. Ngeshwa, umthetho Russian emkhakheni wokwakha yokubambisana sikude kakhulu nokuphelela. Ikakhulukazi, kukhona ingozi yokuthengisa double ngaleso sabelo ezindlini e izakhiwo kuyakhiwa.

Ekusebenteni, ngokuvamile kuba khona nabathengisi abonakele wangena isivumelwano isabelo amakhasimende amaningi kanyekanye. Lokhu kwenzeka ngoba kukhona izivumelwano kwangaphambilini ukudayiswa, ukubhaliswa zazo Rosreestra akuyona imfuneko. Ubunikazi yikomiti yokwahlulela elibonakalayo onikeziwe owaqala usayine isivumelwano ne umdayisi. Dlulisela imali umdayisi kufanele kube kuphela emva ukubhalisa isimo PO.

Umdayisi akazange azise unjiniyela

Umdayisi kufanele bathole imvume okubhaliwe kusukela kunjiniyela ukuthengisa indlu. Kungenjalo, abanikazi ezintsha inzalo zilimale ezihlobene nale ingozi, kuhlanganise ukungakwazi lokulungisa ukulahlekelwa Umakhi kuze kube ukwesulwa PO.

Ngokwesibonelo, uma abanikazi ezintsha ezithakazelisayo ezinkantolo ukululama ukwakhiwa isigwebo ngokuthatha isikhathi eside ukuze sifake ukusebenza, kuyothiwa waphika.

Angenela inkontileka enkantolo

Ngu isinqumo seNkantolo abantu ngokomzimba futhi zomthetho angase kubonakala ezikweletini noma ungeke uzithole usuwile. Kulokhu, zonke ukuthengiselana eziphathelene udaba lokuthenga nokutholwa kwempahla engagudluki baziwa uyize ezimweni ezimbili:

• Lapho inkontileka sokuthengisa ecacisiwe understated ngamabomu intengo.
• Okwenziwayo eyafezwa esikhathini esingaphansi kwezinyanga 12 ngaphambi kokuqala kwecala ezikweletini.

Ngo umkhuba zokwahlulela, zikhona izimo lapho izakhiwo efanayo sithengiswa ngaphansi isabelo inkontileka izikhathi eziningana. Ngemva kwalokho, ukwakhiwa umhlanganyeli omusha okhokhela othengiwe. abanikazi isithakazelo kokuqala iqala inqubo ezikweletini, futhi kokwenziwe uyachithwa. Ngakho, nemicengezi entsha nokulingana akuyona kuphela ngaphandle kwezindlu athandwayo, kodwa ngaphandle kwemali esetshenziswe efulethini.

isabelo isikhungo Single

Petersburg Leningrad esifundeni kukhona ejensi ezikhethekile - isabelo United Centre. Apartments isakhiwo sikhange ngokwengeziwe kubantu ezisebenza abathengi ezingaba, kunokuba ibe nemizi emibili. Ngaphezu kwalokho, lesi sabelo - inqubo kunalokho xaka futhi isikhathi esiningi edinga ulwazi eqondile komthetho.

Ochwepheshe Centre zine-anolwazi ukuthengiselana of ukunikezelwa izinkontileka. Le nhlangano Ubuye semininingwane ayo izakhiwo kungase kutholakale ukuthi cishe iqinisekisa ubumsulwa zomthetho zokukhokhelwa.

Omunye okuyingozi kakhulu, kodwa ifomu kufinyeleleke kakhulu yokufuna ingcebo - isabelo ezindlini ezakhiweni ezintsha. Hlobo luni idili? Ngaphansi isabelo libhekisela ukudluliswa kokubhaliswa amalungelo endawo kusukela umhlanganyeli wabelane ukwakhiwa kumuntu wesithathu. Lolu hlobo lwe-kuthengiselana kunezinzuzo elingenakuphikwa, kodwa nemiphumela ethile engathandeki eziningi. Ukuze ugweme izinkinga ne ingcebo esikhathini esizayo, kufanele kubeke kuthengiselana ukusekela abameli abaqeqeshiwe. ERussia kukhona eyodwa kuphela ejensi ezikhethekile ophethe izindaba ezinjalo - United Centre Izabelo.