intshayelelo
Ukuthenga okanye ukuthengisa ipropati sisigqibo esibalulekileyo semali esineziphumo ezihlala ixesha elide. Kubalulekile ukuba uzixhobise ngolwazi oluchanekileyo ukukhusela umdla wakho kunye nokuqinisekisa isiphumo esilungileyo kuwe kunye nosapho lwakho. Esi sikhokelo sidibanisa kwaye sibeka ngamanye amazwi ulwazi oluyimfuneko ekuthengeni nasekuthengiseni amakhaya, kugxilwe kukhuseleko lwabathengi, iinkqubo zomthetho, kunye noncedo lwemali olukhoyo IBritish Columbia.
Ukuthenga Ikhaya
Ukulungiselela noKhuseleko
- Ukhuseleko lwabathengi kunye nezibonelelo: Waqonde amalungelo akho kunye nokhuseleko olukhoyo, kubandakanywa iWaranti yeKhaya eNtsha kunye neRhafu yoTshintsho lwePropati.
- Izivumelwano zokuthengisa kwangaphambili: Ziqhelanise nemingcipheko enxulumene nokuthenga iikhondom kunye nezindlu zasedolophini phambi kokuba zakhiwe.
- Abahloli basekhaya: KwiBritish Columbia, ukuqesha umhloli wezindlu onelayisensi kunyanzelekile kwaye kubalulekile ukuchonga imiba enokubakho ngepropathi.
- Izindlu zokuHlala zexesha elide: Ziqonde iinkcukacha kunye neempembelelo zepropati eziqeshiswayo zexesha elide, ezingalawulwayo ngumthetho wezindlu zokuhlala ezisemgangathweni okanye ngokwestrata.
Uncedo lwezeMali kunye neZibonelelo
- Abathengi beKhaya abaQala: Phonononga iinkqubo zikarhulumente ezinikezela ngeekhredithi zerhafu, ukukhululwa, kunye ne-inshurensi yemali mboleko yemali mboleko ukunceda abathengi bokuqala.
- Ukuqonda i-Mortgages: Fumana ulwazi ngokufumana imali yokuthenga ikhaya lakho, kuquka nokubaluleka kweentlawulo eziphantsi kunye nendima ye-inshurensi yokubambisa.
Ukuthengisa Ikhaya
Iingqwalaselo eziphambili
- Irhafu yeenzuzo zeNkunzi: Funda malunga nokukhululwa okukhoyo xa uthengisa indawo yakho yokuhlala ephambili.
- Imirhumo yoBuchule bezindlu nezindlu: Qonda iindleko ezinokuthi zibandakanyeke ekuthengiseni ipropati yakho kunye nendlela iikomishini ezisebenza ngayo.
Amaxabiso kunye nolwazi lweMarike
- Amaxabiso ePropati: Ukuvavanya ixabiso lepropati yakho ngokuchanekileyo kunokukunceda ukuba ubeke ixabiso elikhuphisanayo nelifanelekileyo.
- Iindlela zeNtengiso: Hlala unolwazi malunga neentsingiselo zemarike yezindlu kwindawo yakho ukuze uchithe ixesha lokuthengisa kwakho ngokufanelekileyo.
Ukuthenga kunye nokuthengisa iiPropati zeStrata
Ukuphila kweStrata
- Ukuqonda iStrata: Funda malunga noxanduva kunye neendleko zokuhlala kwipropati yestrata, kubandakanywa nemithetho kamasipala, imirhumo kunye nolawulo.
- Ukwaziswa: Abathengisi kufuneka baveze ulwazi oluthile malunga neendawo zokupaka kunye nokugcinwa kweepropati kwiipropati ze-strata.
Inkxaso-mali kunye noHlahlo-lwabiwo-mali
- Uhlahlo lwabiwo-mali kwiindleko ezongezelelweyo: Zilungiselele imirhumo yezomthetho, iindleko zokuvandlakanywa, ukuhlolwa kwepropati, iirhafu kunye ne-inshorensi.
- Ukuvunywa kwangaphambili kwi-Mortgage: Qonda ukubaluleka kokuvunywa kwangaphambili kwe-mortgage kunye nezinto eziqwalaselwa ngababolekisi.
Iintlobo zeNdawo kunye nePropati
Ukukhetha iNdawo elungileyo
- UPhando loBumelwane: Cinga ngezinto ezifana nezothutho, iinkonzo zoluntu, izikolo, kunye ne-vibe yoluntu ngokubanzi.
- Iindidi zePropati: Gqiba phakathi kweentlobo ezahlukeneyo zobunini bepropathi, ezinje ngefreehold, indawo yokuqeshisa, istrata, kunye nentsebenziswano.
Ukugqibezela ukuThenga okanye uThengiso
Iingqwalasela zoMthetho nezeMali
- Ukumelwa ngokusemthethweni: Ukuqesha igqwetha okanye ummeli woluntu kubalulekile ekujongeni imiba esemthethweni yentengiselwano yepropati.
- Iindleko zokuvala: Zilungiselele iindleko ezinxulumene nokuvalwa kwentengiso, kubandakanya uhlengahlengiso, irhafu yokudluliselwa kwepropathi, kunye neemali zomthetho.
FAQs
Kutheni kubalulekile ukuqonda umahluko phakathi kweSivumelwano sokuMela kunye neNgcaciso yaMandla eGqwetha xa ujongene nepropati?
Ukuqonda la maxwebhu asemthethweni kubalulekile kuba anika amalungelo ahlukeneyo kunye noxanduva kubantu abathile, ngakumbi kwiimeko apho usenokungakwazi ukulawula imicimbi yakho. Olu lwazi lunceda ukuqinisekisa ukuba izigqibo zakho zepropati nezemali ziphathwa ngokweminqweno yakho.
Yintoni endifanele ndiyiqwalasele phambi kokuthenga okanye ukuthengisa ipropati?
Ngaphambi kokuba ungene kwimarike yezindlu nezindlu, qwalasela iimeko ezinjengeemeko zemarike zangoku, ukulungela kwakho imali, uhlobo lwesakhiwo esivumelana neemfuno zakho, kunye neziphumo ezisemthethweni nezemali zentengiselwano.
Ngawaphi amanyathelo angundoqo ekuthengeni ipropati?
Amanyathelo aphambili abandakanya ukuphanda imarike, ukufumana inkxaso-mali (ukuvunywa kwangaphambili kwi-mortgage), ukufumana ipropati ehlangabezana neemfuno zakho, ukuqhuba ukuhlolwa kwekhaya, ukwenza umnikelo, kunye nokugqiba iinkqubo zomthetho kunye nezemali.
Loluphi uncedo lwemali olufumanekayo kubantu abaqalayo ukuthenga izindlu?
Abo baqalayo ukuthenga izindlu banokufanelekela iinkqubo ezifana neTyala yeRhafu yoMthengi weKhaya lokuQala, iSicwangciso sabaThengi beKhaya, kunye nokukhululelwa kwirhafu yokudluliselwa kwepropathi. Ezi nkqubo zinokubonelela ngeenzuzo ezibalulekileyo zemali kwaye zincede ukunciphisa iindleko zangaphambili zokuthenga ikhaya.
Kufuneka ndenze ntoni ukulungiselela ikhaya lam ukuthengiswa?
Ukulungiselela ikhaya lakho ukuba lithengiswe kubandakanya ukudiliza, ukwenza ukulungiswa okuyimfuneko okanye ukuphuculwa, kwaye mhlawumbi ukubeka ikhaya lakho ukwenza kube nomtsalane ngakumbi kwabo banokuthenga. Kukwabalulekile ukuxabisa ikhaya lakho ngokuchanekileyo ngokuhlalutya iimeko zemarike yasekhaya.
Ndingalibona njani ixabiso lepropati yam?
Ixabiso lepropati linokumiselwa ngokuthelekisa uhlalutyo lwemarike olwenziwa yingcali ye-real estate okanye ngokuvavanywa kobuchule. Izinto eziqwalaselwayo ziquka indawo ekuyo le propati, ubukhulu, imeko, kunye namaxabiso okuthengisa eepropati ezifanayo kwindawo yakho.
Ziziphi iimfuno ezisemthethweni zokuthengisa ipropati?
Iimfuno zomthetho ziquka ukubonelela ngetayitile ecacileyo kwipropati, ukubhengeza iziphene ezaziwayo, kunye nokuhlangabezana nezibophelelo ezithile phantsi kwemithetho yendawo yokuhlala. Kwiipropati ze-strata, udizo olongezelelweyo malunga ne-strata corporation inokufuneka.
Isebenza njani irhafu yokudluliselwa kwepropati?
Irhafu yokudluliselwa kwepropati ihlawulwa ngumthengi ngokusekelwe kwixabiso lemarike elifanelekileyo lepropati ngexesha lokuthenga. Kukho ukukhululwa kunye nonciphiso olukhoyo kubathengi abathile, abafana nabaqalayo ukuthenga izindlu.
Yeyiphi eyona ngqwalasela eyodwa xa uthenga okanye uthengisa ipropathi yestrata?
Abathengi kunye nabathengisi beepropathi zestrata kufuneka bathathele ingqalelo imirhumo yestrata, impilo yezemali ye-strata corporation, imithetho kamasipala kunye nezithintelo, kunye nazo naziphi na iirhafu ezizayo okanye uhlolo. Abathengisi kufuneka baveze iinkcukacha ezithile, ezinjengokwabiwa kweendawo zokupaka kunye nezitshixo zokugcina.
UMthetho weeNkonzo zeReal Estate ubakhusela njani abathengi?
UMthetho weeNkonzo zeReal Estate ubonelela ngenkqubo-sikhokelo yolawulo kushishino lwezindlu nezindlu, uqinisekisa ukuba iingcaphephe zezindlu nezindlu zisebenza ngokufanelekileyo kubathengi babo kwaye zithobela imigangatho yobungcali yokusebenza, ngaloo ndlela bekhusela abathengi kwizenzo ezingekho mgangathweni.
Ingaba ndingalurhoxisa unikezelo lwam lokuthenga umhlaba?
Kwi-BC, abathengi banexesha lokurhoxiswa kweentsuku ezintathu emva kokuba unikezelo lwabo lwamkelwe kwiintlobo ezithile zokuthengwa kwendawo yokuhlala, okubavumela ukuba batshintshe ingqondo yabo ngentlawulo. Oku akusebenzi kuzo zonke iintengiselwano zepropati, ngoko ke kubalulekile ukuqonda iimeko ezithile kunye nokukhululwa.
Umthetho wePax unokukunceda!
Amagqwetha ethu okufudukela kwelinye ilizwe kunye nabacebisi bakulungele, bakulungele, kwaye bayakwazi ukukunceda. Nceda undwendwele wethu iphepha lokubhukisha idinga ukwenza idinga nelinye lamagqwetha ethu okanye abacebisi bethu; ngenye indlela, ungatsalela umnxeba kwiiofisi zethu + 1-604-767-9529.
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