Patulani ngongole yanyumba

Patulani ngongole yanyumba

Patapita nthawi yayitali ya perekani ndalama kubanki nthawi iyenera kuti ifike kuletsa kubweza, zowonadi zakumaliza ngongole zanu zanyumba Zidzakhala zopulumutsa kwambiri mtsogolo pachuma chanu, mumalipiro anu pamwezi komanso nkhawa. Komabe, pali nkhani zoyipa pankhaniyi, mwatsoka gawo lomaliza ili tisanadzipatule tokha ku banki ndikudzimasula ku mavuto azachuma omwe tidakhala nawo kwazaka zambiri tidzakhala ndi ndalama zowonjezera. Izi ndichifukwa cha zomwe zimafunika kuti muchepetse ngongole yanu yanyumba.

Munkhaniyi mutha kupeza zambiri zomwe zingakuthandizeni ikafika nthawi yoyenera kuletsa ngongole yanu yanyumba. Poyamba, tifunika kudziwa kuti ndondomeko yoletsa kubweza ngongole ndi chiyani, komanso chifukwa chake kuli kofunikira.

Ndi chiyani ndipo ndichifukwa chiyani kuli kofunika kuletsa kubweza?

Izi ndizakuti Kuletsa kubweza ngongole yanyumba ziyenera kuwonetsedwa mu Kulembetsa katundu monga adaletsa, ndikuti chifukwa chake ngongoleyi siyopezekanso, ndiye kuti kulibe. Izi sizovomerezeka, koma zidzakhala zofunikira kutero ngati mtsogolomo mukufuna kugulitsa nyumbayi kapena mupemphe ngongole ina yatsopano kubanki.

Patulani ngongole yanyumba

Mukafika nthawi ya kuletsa kubweza, mudzawonetsedwa zosankha ziwiri zosiyana:

  • Banki imasamalira zochitika zonse: Mwa njirayi, banki ipempha bungwe, lomwe lidzafune ndalama zothandizira kuti athe kuchita zonsezi, zomwe zikhala ndi mtengo wokwanira ma 200 euros.
  • Chitani njira zonse panokha: Ngati muli ndi kanthawi pang'ono, ndipo mukuwona kuti ndikofunikira kupulumutsa mayuro 200 amenewo, mutha kuchita izi panokha popita kumadera osiyanasiyana ndikutsata nokha.

Ngati mungasankhe kuchita njira yachiwiri, muyenera kuchita zomwe zingagwiritsenso ntchito ndalama zina, komabe, izi sizovuta ndipo mutha kuzichita ndi kanthawi kochepa ndikutsatira njira zosavuta izi.

China chomwe chimaganiziridwa chomwe chiyenera kuganiziridwa ndikuti, ngati sitichita Kulipira ngongole yanyumba mu Propert RegistryIzi zitha kuchotsedwa kwaulere ndi kaundula ndi banki, koma pambuyo pa zaka 20. Komabe, ngati sitiletsa kubweza ngongole, tifunikiranso kuganizira kuti malowa sangagulitsidwe, komanso ngongole zatsopano sizingapemphedwe ku banki pazaka 20 izi, chifukwa zidzakumbukiridwa ngati ngongole yanyumba idakalipo.

Zilipo, titero kunena kwake, njira yachitatuSizovomerezeka konse, kapena kulangizidwa ndi mabanki kapena akatswiri pamutuwu, komabe, ndizotheka ndipo mwina zingakhale zofunikira.

Chifukwa chake, tili ndi chidziwitso chonse chazomwe mungachite komanso njira zochitira Kuchotsa ngongole yanyumba Tiyeni tisunthire pazinthu zomwe tiyenera kutsatira kuti tithe kuchotsa ngongole yanyumba patokha.

Ndi njira ziti zomwe muyenera kutsata kuti muthe kubweza ngongole yanyumba

Patulani ngongole yanyumba

• Perekani ku banki:

Gawo loyamba munjira iyi ndi pitani ku banki momwe ngongole yanyumba idapangidwira, ngongole yanyumba yomwe imatha kulipidwa yonse, munthawi yake ndi mawonekedwe olowera pakuchotsa. Zomwe zikuyenera kuchitika ndi lipirani ndalama zonse zomwe mwabweza, ndipo perekani ndalama zochotsera. Commission iyi itengera capital yomwe yabwerekedwa ndi banki, ndipo imatha kukhala pakati pa 0.25% ndi 0.50% yathunthu. Pambuyo polipira, banki iyenera kupereka satifiketi ya zero. (Mabanki ena nthawi zambiri amalipiritsa pakati pa 100 ndi 200 mayuro kuti apereke chikalatachi, koma ayenera kutero kwaulere).

Pambuyo popereka fayilo ya satifiketi yolipira zero, panthawi imeneyo banki ingakufunseni ndalama kuti mugwire ntchito yonse yomwe ikutsatira; Kodi notary ndi chiyani, zolemba, kupita kumunda, ndi zina zambiri. Apa ndi pomwe kasitomala amauzidwa kuti ali ndi kuthekera kwakuti banki imasamalira zolemba zonse, ndipo muyenera kusankha ngati muli ndi nthawi yochitira nokha, kukana mwayiwu ndikupitiliza ndi ndondomeko yotsatirayi. Kuletsa ngongole yanyumba, chifukwa izi zitha kukupulumutsirani ndalama zambiri.

• Malizitsani kulemba mapepalawo:

Nthawi zina sikofunikira kusiya Kuletsa kulembetsa m'manja mwa oyang'anira banki. Popeza ndalama zogulira ntchito zawo zitha kukwera kwambiri ndikukhala zotsika mtengo kwambiri, chifukwa ndalamazi ndizochulukirapo pantchitoyo.

Patulani ngongole yanyumba

• Pitani kwa notary:

Mukakhala ndi satifiketi yolipira zero m'manja mwanu, muyenera kutenga limodzi ndi ngongole zanyumba ndi notary. Nthawi imeneyo a Kuchotsa chikalata chaboma, ndipo izi ziyenera kusaina ndi woimira banki; Simuyenera kuda nkhawa za izi ngati notary ikakuitanani kuti musayine. Kukhalapo kwa kasitomala sikofunikanso, ndipo monga akuwonetsera ndi Bank of Spain, mabungwe amabanki sayenera kulipiritsa chilichonse posamutsa loya. Kuphatikiza pa kuti mutha kupita kwa notary aliyense, chifukwa chake, sikofunikira kapena kukakamizidwa kuti mupite kwa notary yemweyo yemwe adasainirana ngongole yanyumba.

• Pitani ndi Chuma:

Atatha kudutsa njira yopita kubanki ndi kuchezera notary, muyenera kupita ku gulu lolowera pagulu lodziyimira nokha kukapempha fomu ya Misonkho pa Zolemba Zamalamulo (mtundu 600). Kuchotsa ngongole yanyumba kumakhala ndi msonkho uwu, koma sangaperekedwe, kupatula mtengo womwe uyenera kulipiridwa pa fomu, yomwe ili pafupi yuro imodzi. Njirayi ndiyosavuta, koma ngati mukukayikira momwe mungaigwiritsire ntchito, akuluakulu akuyenera kukuwuzani momwe mungakwaniritsire.

Musaiwale kupita kumalo osungira katundu:

Mukakhala kuti muli ndi misonkho, limodzi ndi mapepala omwe adatulutsidwa kale, omwe ndi mapepala aku banki, ndi ntchito za notary, muyenera kupita kukatenga Kulembetsa katundu kuti athe kuthetseratu ngongole yanyumba moyenera. Izi sizokakamizidwa, popeza, patadutsa zaka 20, Registry imazichotsa zokha komanso popanda mtengo uliwonse, koma ngati izi sizingachitike, zidzakhala zovuta mtsogolo kuti mudzalandire ngongole ina kubanki ngati sikofunikira. Mtengo wa kulembetsa kumeneku ukhoza kukhala wosiyanasiyana, pankhani ya notaries, Royal Decree-Law 18/2012 imapereka ndalama zochepa zomwe olembetsa amayenera kulipiritsa pochita izi. Ndiye ma 24 euro, omwe akuwonjezeka kutengera kuchuluka kwa ngongole yanyumba.

• Dziwani Zambiri:

Njirayi siyofunikira kwenikweni, koma, ngati mukufuna, imagwiritsidwa ntchito kutsimikizira kuti kubweza ngongole kwachokeradi. Mutha kuyitanitsa imodzi Kalata yosavuta yotsimikizira kuti chindapusa chanyumba kulibe, Kalata yosavuta imangodziwitsa ndipo imakupatsani, mwachidule, pepala lothandizira kuti ntchito yoletsa kubweza ngongole yatsirizidwa. Itha kupezeka ndi imelo kudzera papulatifomu ya Land Registry. Izi zimaperekedwa kwa wosuta ndi wolemba zomwe zimapereka, ndipo mtengo wa Simple Note ndi pafupifupi ma euro 9 pa famu, monga akuwonetsera ndi College of Registrars.

Poganizira zonsezi pamwambapa titha kuzindikira kuti ndizofunikiradi kupanga zolipirira zingapo kuti athe kuchotsa ngongole yanyumba. Koma timapulumutsa ndalama zingati pochita izi tokha?

Kodi mabungwe angongole amalipira ndalama zingati kuti athetse ngongole yanyumba?

Patulani ngongole yanyumba

Mtengo umasiyanasiyana pakati pa banki iliyonse, komabe, pali mitundu yambiri yazodziwika pakati pa zonsezi:

  • Kalatayi nthawi zambiri imakhala ndi mtengo, womwe suyenera kulipidwa, koma mabanki amatero. Izi zimakhala pakati pa 100 ndi 200 euros.
  • Kulemba kampani sikungokhala luso loti munthu ayesere kulipiritsa kasitomala chifukwa chofuna kuchotsera, koma zomwe mabungwewo amalipiritsa ndi mtengo wozungulira ma 300 mpaka 100 mayuro, kutengera banki iliyonse. Umene uli mtengo wokwera kwambiri kuposa womwe timalipira pochita izi patokha.

Amabisa izi zonse, kutanthauza kuti izi ndizomwe ndalama zonse zimafunikira, kuphatikiza zikalata, zikalata, zolemba ndi zonse zomwe zikufunika. Koma chowonadi ndichakuti, pamapepala onse ofunikira kuti achotse ntchito, ma euro pafupifupi 200 okha ndi omwe amagwiritsidwa ntchito, ndipo ndalama zonse zomwe zikufunsidwa ngati gawo, zomwe ndi pafupifupi 1000 kapena 1500 euros, zimangokhala wasiya banki, kapena banki.


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