Mushure menguva refu ye kubhadhara mari kubhangi nguva inofanira kusvika kukanzura mogeji, zvechokwadi, chokwadi chekugumisa iyo yako yekubhadhara chikwereti Ivo vachamiririra yakanaka yekupedzisira yekuchengetedza yako hupfumi, mune ako emwedzi mari uye zvinonetsa. Nekudaro, pane nhau dzakaipa mune izvi, zvinosuwisa kuti danho rekupedzisira iri tisati tazvitsaura kubva kubhengi uye kuzvisunungura pamutoro wezvehupfumi uyo wanga unesu kwemakore akawanda uchafanira kuburitsa akateedzana emari yekuwedzera. Izvi zvinokonzerwa nemaitiro anodikanwa kukanzura yako mogeji.
Muchikamu chino unogona kuwana ruzivo rwuchakubatsira iwe kana nguva yacho yasvika kana iwe uchifanira kukanzura chako mogeji. Kutanga, isu tinofanirwa kuziva kuti chii chaizvo danho rekudzima chikwereti, uye nei zvichidikanwa.
Chii uye nei zvichikosha kudzima mogeji?
Izvi ndizvo izvo kunyoreswa kweMortge kukanzurwa inofanirwa kuratidzwa mu Kunyoresa pfuma zvadzimwa, uye kuti saka chikwereti ichi hachisisiri chakasara, saka hachipo. Iyi haisi nzira yekumanikidza, asi zvichave zvakakosha kuti uzviite kana mune ramangwana iwe uchida kutengesa imba ino kana kukumbira chimwe chikwereti chitsva kubhanga.
Ukangosvika panguva ye kukanzura mogeji, iwe uchaunzwa nemhando mbiri dzakasiyana:
- Bhengi rinotarisira zvese zviitwa: Mune sarudzo iyi, bhangi richabhadharira agency, inozoda homwe yemari kuti ikwanise kuita maitirwo ese aya, ayo anova nemari inofungidzirwa yeinosvika mazana maviri euros.
- Ita maitirwo ako wega. Kana uine nguva shoma, uye ukaona zvichikosha kuchengetedza iwo mazana maviri emaeuro, unogona kuita nhanho idzi uri wega nekuenda kunzvimbo dzakasiyana dzinoenderana woita matanho akakosha iwe pachako.
Kana iwe ukafunga kuita sarudzo yechipiri, unofanirwa kuita maitiro anozove nemari yekushandisa, zvisinei, maitiro aya haasi akaomarara uye unogona kuzviita nenguva diki nekutevera matanho ari nyore.
Chimwe chinhu chekufunga chinofanirwa kutarisirwa ndechekuti, kana tikasaita iyo kuregererwa kweye mogeji muPfuma RejistaIzvi zvinogona kubviswa mahara nerejista uye bhangi, asi mushure memakore makumi maviri. Nekudaro, kana tikasabvisa chikwereti cheimba, tinofanirwa zvakare kufunga kuti chivakwa hachigone kutengeswa, uyezve zvikwereti zvitsva hazvikumbirwe kubhangi mukati memakore makumi maviri aya, nekuti zvichazotarisirwa sekunge mogeji wanga uchiripo.
Izvo zviripo, sekutaura, sarudzo yechitatuIzvo hazvisi zvachose zvinokurudzirwa zvakanyanya, kana kurairwa nechero ipi yemabhangi kana nyanzvi pachinhu ichi, zvisinei, iyi inogona kuita sarudzo uye mune imwe nhanho inogona kuve inonzwisisika.
Saka, kutove neruzivo rwese nezve sarudzo uye nzira dzekuita kukanzurwa kwemutero Ngatienderei mberi kune matanho atinofanira kutevedzera kuti tikwanise kudzima mogeji pachedu.
Ndeapi matanho ekutevera kudzima iyo mogeji
Bhadhara kubhangi:
Nhanho yekutanga mune ino maitiro ndeye enda kubhangi mune iyo yakapihwa chibvumirano, mogeji unogona kubhadharwa zvakazara, izvi munguva uye fomu yekupinda mukudzima maitiro. Izvo zvichaitwa ndizvo bhadhara iyo yakasarudzika huwandu hweye mogeji, uye ubhadhare mari yekudzima. Komisheni iyi inoenderana nemari yakabhadharwa nebhangi, uye inogona kubva pa0.25% kusvika pa0.50% yeiyo yose. Mushure mekubhadhara iyo, bhangi rinofanira kuburitsa zero chikwereti chitupa. (Mamwe mabhangi anowanzo kubhadharisa pakati pe100 ne200 euros kuendesa gwaro iri, asi vanofanirwa kuzviita mahara).
Mushure mekuburitsa iyo zero chikwereti chitupa, panguva iyoyo chete bhangi rinogona kukukumbira iwe kupihwa mari yekuita zvese maitiro anotevera; chii notary, zvinyorwa, kuenda kupurazi, nezvimwe. Apa ndipo apo mutengi paanoudzwa kuti ane mukana wekuti bhangi ichengete mapepa ese, uye iwe unofanirwa kusarudza kana iwe uine nguva yekuzviita iwe pachako, ramba kupihwa uku uye uenderere mberi nehurongwa hunotevera. Kukanzura yako mogeji, sezvo izvi zvichikuchengetera mari zvakanyanya.
Pedzisa mapepa:
Dzimwe nguva hazvikurudzirwe kusiya iyo kuregererwa kwekunyora mumaoko evatariri vebhangi. Sezvo kudhura kwemasevhisi avo kunogona kukwirisa uye kuchidhura zvakanyanya, nekuti izvi ndidzo mari dzakanyanya kuita.
• Enda kune notary:
Paunenge uine iyo zero chikwereti chitupa mumaoko ako, iwe unofanirwa kuitora pamwe neyemamogezi zviito negweta. Panguva iyoyo a kubviswa kweruzhinji, uye izvi zvinofanirwa kusainwa nemumiriri webhangi; Iwe haufanire kunetseka nezve izvi sezvo notary achakusheedza kuti usayine. Kuvapo kwemutengi hakudi kana, uye sekuratidzwa neBhangi reSpain, mabhanga haafanire kubhadharisa chero chinhu kuchinjisa gweta. Pamusoro pekuti iwe unogona kuenda kune chero gweta, nekudaro, hazvidiwe kana zvinosungirwa kuti uende kune iye gweta nyowani uyo akapihwa chibvumirano.
• Enda neHaimari:
Mushure mekuenda kuburikidza maitiro ekuenda kubhangi uye kushanyira notary, iwe unofanirwa kuenda kune inoenderana nhume yenzvimbo yakazvimiririra yekukumbira fomu re Mutero paGwaro reMutemo rakanyorwa (mod. 600). Kukanzurwa kwemubhadharo kunoenderana nemutero uyu, asi vanobvisirwa mubhadharo, kunze kwemutengo unofanirwa kubhadharirwa fomu, iri rakatenderedza yuro imwe. Maitiro aya akareruka, asi kana uine kusahadzika nezvekuti ungaishandisa sei, vakuru vanofanirwa kukuudza maitirwo azvo.
• Usakanganwa kuenda kuRejista yePfuma:
Paunenge uchitova nekopi yemutero, pamwe nemapepa akambotorwa kunze, ari mapepa ebhangi, nemabasa egweta, unofanirwa kuenda utore Kunyoresa pfuma kuitira kuti ukwanise kuita kuti kubviswa kweiyo mogeji kubudirire. Izvi hazvisi zvekumanikidza, nekuti, mushure memakore makumi maviri, iyo Registry inoikanzura zvoga uye pasina muripo, asi kana danho rekupedzisira iri risingaitwe, zvichave zvakaoma kwazvo mune ramangwana kuwana imwe bhangi chikwereti kana zvisiri izvo. Mutengo wekunyoreswa uyu unosiyana, mune mamonyori, Royal Chirevo-Mutemo 20/18 inomanikidza yakaderera iyo vanyori vanofanirwa kubhadharisa maitiro aya. Aya makumi maviri nemana euros, ayo ari kuwedzera zvichienderana nehuwandu hweiyo mogeji.
• Tora Chinyorwa Chiri Nyore:
Maitiro aya haanyanyo kudikanwa, asi, kana iwe uchida, inoshandiswa kuratidza kuti mogeji wakanzurwa zvechokwadi. Unogona kuraira imwe Chinyorwa chakareruka chekuona kuti muripo wekutora chikwereti hausipo, Tsamba yakapusa inongodzidzisa uye inokupa, muchidimbu, rutsigiro rwepepa rwekuti danho rekuregedza mogeji rapera. Inogona kuwanikwa neemail kuburikidza nepamhepo chikuva cheiyo Land Registry. Izvi zvinobhadharwa zvakananga kune mushandisi nemubhalisi anozvipa, uye mutengo weRinyore Cherechedzo uri kutenderera 9 euros papurazi, sekuratidzwa neKoreji yeRegistars.
Tichifunga zvese zviri pamusoro izvi tinogona kuona kuti zvechokwadi zvakakosha kuita akateedzana emari kuitira kuti tikwanise kudzima chikwereti. Asi isu tinochengetedza zvakadii nekuita izvi maitiro isu pachedu?
Yakawanda zvakadii zvikwereti zvikwereti inobhadharisa kudzima mogeji?
Mutengo unosiyana pakati peimwe neimwe banking institution, zvisinei, kune akateedzana ezvakajairika madhinomine pakati peizvi zvese:
- Chitupa chinowanzo kuve nemutengo, icho chisingafanirwe kubhadhariswa, asi mabhangi anozviita zvakadaro. Aya ari pakati pe100 ne200 euros.
- Kuhaya agency kunopfuura chivakwa chekuedza kubhadharisa mutengi nekuda kweichi nyore kudzima maitiro, asi izvo zvinopihwa nemasangano mutengo wepakati pe300 kusvika 100 euros, zvinoenderana nebhangi rega rega. Ndeupi mutengo wakakwira zvakanyanya kupfuura izvo isu zvataizobhadhara tichiita izvi tega.
Ivo vanovanza zvese izvi, zvichireva kuti izvi ndizvo zvinoshandiswa nehurongwa hwese, pamwe nemapepa, zvitifiketi, zvinyorwa uye zvese zviitwe zvinodiwa. Asi chokwadi ndechekuti, pakati pemapepa ese anodikanwa ekuti vadzimise basa, ingangoita mazana maviri euros anoshandiswa, uye imwe mari yese inokumbirwa sechipo, inova inenge 200 kana 1000 euros, inopedzisira yave kusiiwa nebhangi, kana iyo agency yebhangi.