Kodi ndingatenge bwanji chikalatacho kunyumba kwanga ndikalipira?
Ntchito zodalirika zimagwiritsidwa ntchito pochita malonda ndi ndalama zogulitsa nyumba: ndiye kuti, munthu akabwereka ndalama kuti agule malo. Pantchitoyi, wobwereketsa amapereka ndalama kwa wobwereketsayo kuti abweze ngongole imodzi kapena zingapo zolumikizidwa ndi chikalata chotsimikizika.
Chikalata chodalirika chingagwiritsidwe ntchito ngati m'malo mwa ngongole yanyumba. Kubwereketsa kumaphatikizapo magulu awiri: wobwereka (kapena wobwereketsa) ndi wobwereketsa (kapena wobwereketsa). Mosiyana ndi izi, chikalata chokhulupirira chimakhudza mbali zitatu: wobwereka (kapena wokhazikika), wobwereketsa (kapena wopindula), ndi trasti.
Machitidwe odalirika angayerekezedwe ndi ngongole zanyumba. Zonse ziwiri zodalirika ndi ngongole zanyumba zimagwiritsidwa ntchito m'mabanki ndi ngongole zachinsinsi kuti apange maubwenzi pa malo ogulitsa nyumba, ndiye kuti, kukhazikitsa katundu ngati chikole cha ngongole. Pazifukwa izi, komanso mosiyana ndi kagwiritsidwe ntchito kambiri, kubwereketsa ngongole singongole yogulira malo; ndilo pangano limene limalonjeza chumacho ngati chikole cha ngongoleyo.
Choyamba, kubwereketsa kumaphatikizapo magulu awiri: wobwereka (kapena wobwereketsa) ndi wobwereketsa (kapena wobwereketsa). Mosiyana ndi izi, chikhulupiliro chimakhudza mbali zitatu: wobwereka (kapena wokhazikika), wobwereketsa (kapena wopindula), ndi trasti. The trustee amasunga udindo wa katunduyo kuti apindule ndi wobwereketsa; Ngati wobwereketsa alephera, trastiyo adzayambitsa ndikumaliza ndondomeko yotsekera malinga ndi pempho la wobwereketsa.
Momwe mungapezere chikalata chobwereketsa nyumba
Zolemba mkonzi: Credit Karma imalandira chipukuta misozi kuchokera kwa otsatsa ena, koma izi sizikhudza malingaliro a akonzi athu. Otsatsa athu sawunika, kuvomereza kapena kuvomereza zomwe talemba. Ndi zolondola malinga ndi zomwe tikudziwa komanso chikhulupiriro chathu zikasindikizidwa.
Tikuganiza kuti ndikofunikira kuti mumvetsetse momwe timapangira ndalama. Kwenikweni, ndi losavuta. Zopereka zazinthu zachuma zomwe mumaziwona papulatifomu yathu zimachokera kumakampani omwe amatilipira. Ndalama zomwe timapeza zimatithandiza kukupatsani mwayi wopeza ziwongola dzanja zaulere ndi malipoti ndipo zimatithandiza kupanga zida zathu zina zazikulu zophunzirira.
Malipiro amatha kukhudza momwe zinthu zimawonekera papulatifomu yathu (komanso motsatana bwanji). Koma chifukwa nthawi zambiri timapanga ndalama mukapeza zomwe mukufuna ndikuzigula, timayesetsa kukuwonetsani zomwe tikuganiza kuti ndi zoyenera kwa inu. Ndicho chifukwa chake timapereka zinthu monga kuvomera ndi kuyerekezera kosunga ndalama.
Obwereketsa adzakufunsani zolembedwa zamakalata anu obwereketsa omwe akuwonetsa zinthu monga kuchuluka kwa ndalama zomwe mumapanga ndi zomwe muli ndi ngongole. Mafomu enieni omwe mungafune pa ngongole yanyumba zimatengera momwe mulili. Mwachitsanzo, munthu wodzilemba ntchito ayenera kulemba mafomu osiyana ndi a munthu amene amagwira ntchito pakampani.
Tsamba lanyumba pdf
Deed yotulutsa ngongole yanyumba imapangidwa pamene wobwereketsa akwaniritsa nthawi yonse yolipira ngongole kapena akulipira kale kuti akwaniritse ngongoleyo. Wobwereketsayo amakhala ndi udindo wa malowo mpaka nthawiyo ndipo amakhala wobwereketsa panyumbayo mpaka ndalama zonse zitaperekedwa. Mutuwu umapereka chikole chotetezedwa pakubweza ngongole nthawi yonse ya ngongoleyo, kuchepetsa chiopsezo cha kusakhulupirika kwa wobwereketsa.
Mwini nyumbayo ali ndi nyumbayo kwaulere komanso yopanda malire pambuyo poti chilolezo ndi chikalata chomasulidwa chaperekedwa kwa iye. Simulinso pansi pa zikhalidwe zilizonse kapena zofunikira za wobwereketsa. Akaunti ya wobwereketsa yatsekedwa.
Mapangano ogwira ntchito ndi zochitika zina zomwe chikalata chomasulidwa chingagwiritsidwe ntchito. Chikalatacho chikhoza kumasula onse olemba ntchito ndi wogwira ntchito kuzinthu zilizonse zomwe anali nazo pansi pa mgwirizano wawo wa ntchito. Nthawi zina, chikalata chomasulidwa chikhoza kupatsa wogwira ntchitoyo malipiro osankhidwa. Izi zikhoza kuchitika pa nkhani ya malipiro olekanitsidwa.
Ntchito yoperekedwayo ingaphatikizepo zigwirizano za chiwongola dzanja, kuphatikiza malipiro ndi nthawi yamalipiro pambuyo pa ntchitoyo. Mutha kuzindikiranso zidziwitso zachinsinsi zomwe sizingagawidwe ndi wogwira ntchitoyo atachotsedwa ntchito, kapena ziganizo zoletsa zomwe zimalepheretsa wogwira ntchitoyo kusiya kupanga bizinesi yofananira kapena kupempha makasitomala.
Zimatenga nthawi yayitali bwanji kuti mupeze mutu wa nyumbayo mutalipira ngongole
Ngakhale simutenga nawo mbali pang'ono pakufufuza mutu kapena kukonza, ndikofunikira kukhala ndi inshuwaransi yamutu. Kumvetsetsa ndondomekoyi kungakupatseni mtendere wamumtima panthawi yogula nyumba.
Wofufuza mutu amayang'ana zodandaula zilizonse pamutu zomwe zingakhudze kugula kwanu. Kusakaku kudzaphatikiza zolemba za anthu onse ndi zolemba zina zanyumba zomwe zatenga zaka zambiri. Mungadabwe kumva kuti kupitilira gawo limodzi mwa magawo atatu akusaka kwamutu kumavumbulutsa vuto linalake. Awa ndi ena mwamavuto omwe amapezeka kwambiri:
Kusaka mutu kumaperekanso chidziwitso pa easements, zoletsa, ndi ufulu wa njira zomwe zingachepetse kugwiritsa ntchito kwanu malo. Chonde onaninso zolembazi musanatseke kuti muwonetsetse kuti mukumvetsetsa zomwe zingachitike.
Mukagulitsa katundu wanu, mutu wa malowo umasamutsidwa kwa wogula. Phwando limenelo lidzalandira kopi ya mutu watsopano masabata angapo atatseka, ponena kuti tsopano ali ndi malo ndipo mulibenso ufulu uliwonse kwa icho. Mutu womwe muli nawo ndi wolakwika.
