Izimali zommeli olungisa izivumelwano eJalimane
Ukudluliswa kwempahla ye-Notarial eJalimane: Indima ye-notaryUma izinhlangothi sezivumelene ngemibandela, kusathatha izinyanga ezimbalwa kuze kube yilapho umthengi efakwa kurejista yomhlaba. Ezimweni eziningi, alikho iqembu elifuna ukulinda isikhathi eside kangako. Umthengi ufuna ukuhamba ngokushesha futhi umdayisi ufuna ukuba nemali ku-akhawunti yakhe ngokushesha ngangokunokwenzeka. I-notary isiza izinhlangothi zombili ukuthi zifike lapho ziya khona ngokushesha nangokuphephile. I-notary iyingxenye ebalulekile yakho konke ukuthengwa kwempahla eJalimane.
Uma umbhangqwana uzothenga indawo, umhlangano uyonquma ukuthi womabili amalungu ombhangqwana angaba abanikazi noma oyedwa kuphela wawo. I-notary izophinde ibuze ukuthi ukuthenga kwenziwa ngesikweletu. Lokhu kungenxa yokuthi ibhange lomthengi lizokhokha imali yokuthenga kuphela uma i-mortgage ibhaliswe egameni labo kurejista yomhlaba. I-notary inakekela ukubhaliswa.
Uma abantu bakwamanye amazwe noma abangaphandle bethenga indawo “Abantu bavame ukungazinaki izinkinga ezingase ziphakame lapho abantu bangaphandle abashadile befuna ukuthenga indawo,” kusho isazi sezomthetho uDkt. Peter Veit waseHeidelberg. Lokhu kungenxa yokuthi kunemithetho engenzeka yangaphandle okudingeka ibhekwe ngesikhathi sokuthenga.
Izindleko zokuthengisa indlu eJalimane
Abaningi abaphuma kwamanye amazwe babiza iJalimane ikhaya kulezi zinsuku futhi ngamanani emali ebolekiwe esikhathi eside aphansi kakhulu namanani okuqasha akhuphuka ezindaweni eziningi, akumangalisi ukuthi abaningi bafuna ukuthenga ifulethi noma indlu.
Umthengisi wezindlu kanye nomshwalense ugxile ezidingweni zabakwamanye amazwe eJalimane. Okukhethekile kwakhe ukutshalwa kwezimali kanye nokuphathwa kwezindlu ezithengiswayo; izikweletu (kuhlanganise ne-remortgage); ezinye izimali kanye nezinhlelo zempesheni.
Kunokwehluka kwezintengo zezakhiwo phakathi kwezindawo ezincane, zasemakhaya uma kuqhathaniswa namadolobha amakhulu njengeFrankfurt, iMunich, iBerlin, iDusseldorf neHamburg. Emadolobheni amaningi amakhulu kube nokukhuphuka okuphawulekayo kwamanani, kokubili ezintengo eziqashisayo nezithengwayo.
Ngokungafani namanye amazwe amaningi, amaJalimane athambekele ekuthengeni izakhiwo impilo yonke. Umkhuba ojwayelekile we-Anglo-Saxon wokuthenga manje noqhubeka uthuthuka awuvamisile. Lokhu kuchaza ukuthi kungani kunokuguquguquka okumbalwa kwamanani emakethe yezindlu, nakuba isidingo sezindawo ezikhethiwe sihlala siphezulu. Ngokuvamile, kulula ukutshala izakhiwo ezindaweni ezihamba phambili. Indawo, indawo, indawo ihlala iyi-mantra ebalulekile lapho uthenga eJalimane. Ingqalasizinda yezokuthutha enhle, ukufunda esikoleni kanye nokukhanga kwezohwebo kuvame ukuba nezinzuzo zesikhathi eside.
Inzuzo yentela yemali mboleko yezindlu eJalimane
Kubantu abaningi, ukuthenga indawo eJalimane akukona nje ukutshala imali okunengqondo, kodwa futhi indawo lapho bona nomndeni wabo bachitha khona impilo yabo yonke. Ngaphandle kwalapho bephoqeleka ukuba bathuthe, abantu abaningi eJalimane ngeke bayishiye indlu abayithengile noma bazakhele imbala. Yingakho uma benquma ukuthenga indawo eJalimane, iningi labo lithatha isikhathi, ngoba kubo ngokuvamile kuyisinqumo esihlala njalo. Ngaphezu kwalokho, uma kuqhathaniswa namanye amazwe, iphesenti eliphezulu labantu baseJalimane likhetha ukuqasha ikhaya lalo kunokuthenga indawo eJalimane. Ukuthenga indlu eJalimane kudinga izinga elithile lokulungiselela. Kodwa kunzima ukwazi ukuthi ungaqala kuphi. Ngezansi kunezinto ezimbalwa okufanele uzicabangele ngaphambi kokuthenga indawo eJalimane.
Abaholi bezimboni bayaqinisekisa ukuthi umnotho waseJalimane oqinile uzinzile futhi uyakhula. Ngesikhathi esifanayo, amanani entengo yendawo yokuhlala ayaqhubeka nokukhuphuka. Emadolobheni amaningi aseJalimane sekunokuntuleka kwezindlu kakade, okubangela ukuba amanani enyuke.
Noma ubani angafaka isicelo semali mboleko eJalimane. Ayikho imikhawulo yokuthi abangewona amaJalimane bathenge indawo. Akunandaba ukuthi ungowangaphandle, umnikazi wamakhadi aluhlaza, uyisakhamuzi se-EU noma uyisakhamuzi esingesona esakhamuzi sase-EU. Mayelana nokuthi ungaboleka malini, kuya ngokuthi uhlala futhi usebenza eJalimane noma cha.
I-mortgage yaseJalimane yabangewona izakhamuzi
Uma ukhokha imali yakho yendlu futhi uhlangabezana nemibandela yesivumelwano sakho semali mboleko, umebolekisi akawakhiphi ngokuzenzakalelayo amalungelo empahla yakho. Kufanele uthathe izinyathelo ezithile. Le nqubo ibizwa nge-mortgage settlement.
Lolu hlelo luyahlukahluka kuye ngesifundazwe noma indawo yakho. Ezimweni eziningi, usebenza nommeli, i-notary, noma umfungisi. Ezinye izifundazwe nezindawo zikuvumela ukuthi wenze umsebenzi ngokwakho. Khumbula ukuthi ngisho noma uzenzela wena, kungase kudingeke ukuthi imibhalo yakho ibhalwe phansi ngochwepheshe, njengommeli noma ummeli olungisa izivumelwano.
Ngokuvamile, umbolekisi wakho uzokunikeza isiqinisekiso sokuthi uyikhokhile imali mboleko ngokugcwele. Ababolekisi abaningi abasithumeli lesi siqinisekiso ngaphandle uma usicela. Hlola ukuze ubone ukuthi umabolekisi wakho unenqubo esemthethweni yalesi sicelo.
Wena, ummeli wakho noma i-notary yakho kufanele unikeze ihhovisi lokubhalisa izakhiwo nawo wonke amaphepha adingekayo. Uma imibhalo isitholiwe, ukubhaliswa kwendawo kuqeda amalungelo ombolekisi ngendawo yakho. Babuyekeza isihloko sendawo yakho ukuze sibonise lolu shintsho.
