Introduction
Kugula kapena kugulitsa katundu ndi chisankho chofunika kwambiri pazachuma chomwe chimakhala ndi zotsatira zokhalitsa. Ndikofunikira kuti mukhale ndi chidziwitso choyenera kuti muteteze zokonda zanu ndikuwonetsetsa kuti zinthu zikuyenda bwino kwa inu ndi banja lanu. Bukuli likuphatikiza ndi kufotokozera mwachidule mfundo zofunika pa kugula ndi kugulitsa nyumba, kuyang'ana pa chitetezo cha ogula, ndondomeko zamalamulo, ndi thandizo la ndalama zomwe zilipo British-Columbia.
Kugula Nyumba
Kukonzekera ndi Chitetezo
- Chitetezo cha Ogula ndi Zida: Mvetsetsani ufulu wanu ndi chitetezo chomwe chilipo, kuphatikiza Chitsimikizo Chatsopano Chanyumba ndi Msonkho Wotumiza Katundu.
- Makontrakitala Ogulitsiratu: Dzidziwitseni zoopsa zomwe zimakhudzana ndi kugula ma condominiums ndi nyumba zamatauni asanamangidwe.
- Oyang'anira Nyumba: Ku British Columbia, kulemba ntchito woyang'anira nyumba yemwe ali ndi chilolezo ndikofunikira komanso ndikofunikira kuti adziwe zomwe zingachitike ndi malo.
- Zobwereketsa Nyumba Zakale: Dziwani zenizeni ndi zotsatira za malo obwereketsa a nthawi yayitali, omwe samayang'aniridwa ndi malamulo okhazikika a nyumba kapena malo.
Thandizo la Ndalama ndi Zothandizira
- Ogula Nyumba Koyamba: Onani mapulogalamu aboma omwe amapereka ngongole zamisonkho, kusakhululukidwa, ndi inshuwaransi ya ngongole yanyumba kuti muthandize ogula koyamba.
- Kumvetsetsa Ma Mortgages: Dziwani zambiri zakupeza ndalama zogulira nyumba yanu, kuphatikiza kufunikira kwa malipiro ochepa komanso ntchito ya inshuwaransi yanyumba.
Kugulitsa Nyumba
Mfundo Zofunika
- Capital Gains Tax: Phunzirani za kukhululukidwa komwe kulipo mukagulitsa nyumba yanu yoyamba.
- Ndalama Zogulitsa Nyumba: Kumvetsetsa mtengo womwe ungagulitse katundu wanu komanso momwe ma komisheni amagwirira ntchito.
Mitengo ndi Kudziwa Zamsika
- Katundu: Kuwona mtengo wa katundu wanu moyenera kungakuthandizeni kukhazikitsa mtengo wampikisano komanso wachilungamo.
- Zochitika Pamsika: Khalani odziwitsidwa za momwe msika wanyumba ndi nyumba ulili mdera lanu kuti muthe kugulitsa bwino.
Kugula ndi Kugulitsa katundu wa Strata
Strata Living
- Kumvetsetsa Strata: Phunzirani za udindo ndi mtengo wakukhala m'malo osanjikizana, kuphatikiza malamulo, chindapusa, ndi utsogoleri.
- Kulankhulidwa: Ogulitsa akuyenera kuwulula zambiri zokhuza malo oimikapo magalimoto ndi kugawika kosungirako m'magawo a strata.
Ndalama ndi Bajeti
- Bajeti Yowonjezera Ndalama: Konzekerani ndalama zolipirira zamalamulo, ndalama zolipirira katundu, kuyendera malo, misonkho, ndi inshuwaransi.
- Kuvomerezedwa Patsogolo pa Ngongole Yanyumba: Mvetserani kufunikira kwa kuvomereza kolowera kubwereketsa komanso zinthu zomwe obwereketsa amaziganizira.
Malo ndi Mitundu ya Katundu
Kusankha Malo Oyenera
- Kafukufuku woyandikana nawo: Ganizirani zinthu monga mayendedwe, ntchito zapagulu, masukulu, komanso mavibe amdera lonse.
- Mitundu ya katundu: Sankhani pakati pa mitundu yosiyanasiyana ya umwini wa katundu, monga kubwereketsa, kubwereketsa, strata, ndi mgwirizano.
Kumaliza Kugula kapena Kugulitsa
Malingaliro azamalamulo ndi azachuma
- Kuyimira Mwalamulo: Kulemba ntchito loya kapena notary public ndikofunika kuti muyang'ane pazamalamulo pazamalonda.
- Ndalama Zotseka: Khalani okonzeka pamitengo yokhudzana ndi kutseka kugulitsa, kuphatikiza zosintha, misonkho yotumiza katundu, ndi zolipira zamalamulo.
FAQs
Kodi nchifukwa ninji kuli kofunika kumvetsetsa kusiyana pakati pa Mgwirizano Woimira ndi Mphamvu Yosatha ya Woyimira mlandu pochita ndi katundu?
Kumvetsetsa zikalata zamalamulo izi ndikofunikira chifukwa zimapereka ufulu ndi maudindo osiyanasiyana kwa anthu osankhidwa, makamaka m'malo omwe simungathe kuyendetsa bwino zinthu zanu. Kudziwa izi kumathandiza kuonetsetsa kuti katundu wanu ndi ndalama zanu zikuyendetsedwa malinga ndi zomwe mukufuna.
Ndiyenera kuganizira chiyani ndisanagule kapena kugulitsa malo?
Musanalowe mumsika wogulitsa nyumba, ganizirani zinthu monga momwe msika ulili panopa, kukonzekera kwanu zachuma, mtundu wa malo omwe akugwirizana ndi zosowa zanu, ndi zotsatira zalamulo ndi zachuma za malondawo.
Ndi njira ziti zofunika pakugula malo?
Njira zazikuluzikulu zikuphatikiza kufufuza msika, kupeza ndalama (kuvomereza chisanadze kubwereketsa), kupeza malo omwe akukumana ndi zosowa zanu, kuyang'anira nyumba, kupanga zopereka, ndikumaliza njira zamalamulo ndi zachuma.
Ndi chithandizo chanji chandalama chomwe chilipo kwa omwe amagula nyumba koyamba?
Ogula nyumba koyamba atha kulandira mapulogalamu monga First Time Buyer's Tax Credit, Home Buyers' Plan, ndi kusapereka msonkho kwa katundu. Mapulogalamuwa amatha kupereka phindu lalikulu lazachuma ndikuchepetsa mtengo wogulira nyumba.
Kodi ndiyenera kuchita chiyani kuti ndikonzekere nyumba yanga yogulitsa?
Kukonzekera nyumba yanu yogulitsa kumaphatikizapo kusokoneza, kukonzanso koyenera kapena kukonzanso, ndipo mwinamwake kuyika nyumba yanu kuti ikhale yosangalatsa kwa ogula. Ndikofunikiranso kuyika mtengo wa nyumba yanu moyenera pofufuza momwe msika uliri.
Kodi ndingadziwe bwanji mtengo wa katundu wanga?
Mtengo wa katundu ukhoza kuzindikirika kupyolera mu kusanthula kofananitsa kwa msika komwe kumachitidwa ndi katswiri wa malo ogulitsa nyumba kapena kupyolera mwa akatswiri. Zomwe zimaganiziridwa ndi malo, kukula kwake, momwe nyumbayo ilili, komanso mitengo yogulitsa ya malo ofanana m'dera lanu.
Kodi zofunika pazamalamulo pogulitsa malo ndi chiyani?
Zofunikira zamalamulo zimaphatikizapo kupereka dzina lodziwika bwino la malowo, kuwulula zolakwika zomwe zimadziwika, ndi kukwaniritsa zofunika zina pansi pa malamulo a malo ndi malo. Pazinthu zama strata, zowulula zowonjezera zokhudzana ndi strata corporation zitha kufunikira.
Kodi msonkho wotumiza katundu umagwira ntchito bwanji?
Misonkho yotengera katunduyo imaperekedwa ndi wogula potengera mtengo wamtengo wapatali wa katunduyo panthawi yogula. Pali zochotsera ndi zochepetsera zomwe zilipo kwa ogula ena, monga ogula nyumba koyamba.
Kodi ndi zinthu ziti zomwe zimaganiziridwa pogula kapena kugulitsa malo astrata?
Ogula ndi ogulitsa katundu wa strata ayenera kuganizira zolipirira magawo, thanzi lazachuma la strata corporation, malamulo ndi zoletsa, ndi zolipira kapena zowunika zilizonse zomwe zikubwera. Ogulitsa ayenera kuulula zambiri, monga kugawa kwa malo oyimika magalimoto ndi maloko osungira.
Kodi Real Estate Services Act imateteza bwanji ogula?
Lamulo la Real Estate Services Act limapereka ndondomeko yoyendetsera bizinesi yogulitsa nyumba, kuwonetsetsa kuti akatswiri ogulitsa nyumba amachita zinthu zokomera makasitomala awo komanso amatsatira miyezo yaukadaulo, potero amateteza ogula ku machitidwe osayenera.
Kodi ndingathe kubweza mwayi wanga wogula malo?
Mu BC, ogula ali ndi nthawi yochotseratu masiku atatu kuchokera pamene zopereka zawo zavomerezedwa pamtundu wina wa kugula malo okhalamo, kuwalola kusintha maganizo awo pa malipiro. Izi sizikugwira ntchito pazochitika zonse za katundu, choncho ndikofunika kumvetsetsa mikhalidwe yeniyeni ndi kusakhululukidwa.
Pax Law ikhoza kukuthandizani!
Maloya athu olowa ndi alangizi ndi okonzeka, okonzeka, ndipo amatha kukuthandizani. Chonde pitani kwathu tsamba losungitsa misonkhano kupanga nthawi yokumana ndi mmodzi wa maloya athu kapena alangizi; kapena, mutha kuyimbira maofesi athu ku + 1-604-767-9529.
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