Isingeniso
Ukuthenga noma ukuthengisa indawo kuyisinqumo esibalulekile sezezimali esinemiphumela ehlala isikhathi eside. Kubalulekile ukuthi uzihlomise ngolwazi olulungile ukuze uvikele izintshisekelo zakho futhi uqinisekise umphumela omuhle kuwe nomndeni wakho. Lo mhlahlandlela uhlanganisa futhi ubeka ngamafuphi ulwazi olubalulekile lokuthenga nokudayisa amakhaya, ugxile ekuvikelweni kwabathengi, izinhlaka zomthetho, nosizo lwezezimali olutholakala IBritish Columbia.
Ukuthenga Ikhaya
Ukulungiselela Nokuvikelwa
- Ukuvikelwa Kwabathengi Nezinsiza: Qonda amalungelo akho kanye nokuvikela okukhona, okuhlanganisa Isiqinisekiso Sekhaya Elisha kanye Nentela Yokudluliswa Kwempahla.
- Izinkontileka zangaphambi kokudayiswa: Zijwayeze ubungozi obuhambisana nokuthenga amakhondomu nezindlu zasemadolobheni ngaphambi kokuba zakhiwe.
- Abahloli Basekhaya: E-British Columbia, ukuqasha umhloli wezindlu onelayisensi kuyisibopho futhi kubalulekile ekuhlonzeni izinkinga ezingaba khona ngesakhiwo.
- Izindlu zokuqashisa zesikhathi eside: Qaphela imininingwane kanye nemithelela yezindawo zokuqashisa zesikhathi eside, ezingalawulwa umthetho ojwayelekile wendawo yokuhlala noma wezakhiwo.
Usizo Lwezezimali Nezinsiza
- Abathengi Bekhaya Okokuqala: Hlola izinhlelo zikahulumeni ezinikeza amakhredithi entela, ukukhululwa, kanye nomshwalense wemali mboleko yezindlu ukuze usize abathengi bokuqala.
- Ukuqonda Izikweletu Zezindlu: Thola imininingwane ekutholeni imali yokuthenga ikhaya lakho, okuhlanganisa ukubaluleka kwezinkokhelo eziphansi kanye neqhaza lomshwalense we-mortgage.
Ukuthengisa Ikhaya
Ukucatshangelwa Okusemqoka
- Intela Yokuthola Imali Enkulu: Funda mayelana nokukhululwa okutholakalayo uma uthengisa indawo yakho yokuhlala eyinhloko.
- Izimali Zomsebenzi Wokuthengisa Izindlu: Qonda izindleko ezingase zibe khona ekuthengiseni indawo yakho nokuthi amakhomishini asebenza kanjani.
Amanani kanye nolwazi lweMakethe
- Amanani Ezakhiwo: Ukuhlola inani lesakhiwo sakho ngendlela efanele kungakusiza ukuthi usethe inani elincintisanayo nelifanelekile.
- Amathrendi Emakethe: Hlala unolwazi mayelana namathrendi emakethe yezindlu ezithengiswayo endaweni yangakini ukuze ubeke isikhathi sokuthengisa kwakho ngempumelelo.
Ukuthenga nokuthengisa izakhiwo ze-Strata
I-Strata Living
- Ukuqonda i-Strata: Funda ngezibopho nezindleko zokuhlala endaweni yesigaba, okuhlanganisa nemithetho kamasipala, izinkokhelo, kanye nokubusa.
- Ukudalulwa: Abathengisi kufanele badalule ulwazi oluthile mayelana nezindawo zokupaka nezindawo zokulondoloza ezindaweni ezihlukene.
Ezezimali kanye Nokwabiwa Kwezimali
- Ukubhajethela Izindleko Ezengeziwe: Zilungiselele izindleko zomthetho, izindleko ze-appraisal, ukuhlolwa kwezakhiwo, izintela, nomshuwalense.
- Ukuthola Ukugunyazwa Ngaphambili Kwemali Ebolekiwe: Qonda ukubaluleka kokugunyazwa kusengaphambili kwe-mortgage kanye nezici ababolekisi abazicabangelayo.
Indawo Nezinhlobo Zezakhiwo
Ukukhetha indawo elungile
- Ucwaningo Lwendawo: Cabangela izinto ezifana nezokuthutha, izinsiza zomphakathi, izikole, kanye ne-value yomphakathi jikelele.
- Izinhlobo Zempahla: Nquma phakathi kwezinhlobo ezahlukene zobunikazi bezakhiwo, obufana ne-freehold, leasehold, strata, ne-cooperative.
Ukuphothula Ukuthenga noma Ukuthengisa
Ukucatshangelwa Kwezomthetho Nezezimali
- Ukumelwa Kwezomthetho: Ukuqasha ummeli noma i-notary yomphakathi kubalulekile ukuze uzulazule ezicini ezingokomthetho zokuthengiselana kwezakhiwo.
- Izindleko zokuvala: Zilungiselele izindleko ezihlobene nokuvala ukuthengisa, okuhlanganisa ukulungiswa, izintela zokudluliswa kwezakhiwo, nezinkokhelo zomthetho.
Imibuzo Evame Ukubuzwa
Kungani kubalulekile ukuqonda umehluko phakathi kweSivumelwano Sokumela kanye Negunya Eliqhubekayo Lommeli lapho usebenza ngempahla?
Ukuqonda la madokhumenti omthetho kubalulekile ngoba anikeza amalungelo nezibopho ezihlukene kubantu abaqokiwe, ikakhulukazi ezimeni lapho ungase ungakwazi khona ukuphatha izindaba zakho. Lolu lwazi lusiza ukuqinisekisa ukuthi izinqumo zakho zempahla nezezimali zisingathwa ngokwezifiso zakho.
Yini okufanele ngiyicabangele ngaphambi kokuthenga noma ukuthengisa indawo?
Ngaphambi kokungena emakethe yezindlu nemizi, cabangela izici ezinjengezimo zemakethe zamanje, ukulungela kwakho ngokwezimali, uhlobo lwesakhiwo esifanelana nezidingo zakho, kanye nemithelela yezomthetho nezezimali yalokho okwenziwayo.
Yiziphi izinyathelo ezibalulekile ekuthengeni indawo?
Izinyathelo ezibalulekile zihlanganisa ukucwaninga imakethe, ukuthola uxhaso lwezimali (ukugunyazwa kwangaphambili kwesikweletu sendlu), ukuthola indawo ehlangabezana nezidingo zakho, ukuhlola ikhaya, ukwenza isithembiso, kanye nokuqedela izinqubo zezomthetho nezezezimali.
Yiluphi usizo lwezezimali olutholakala kulabo abaqalayo ukuthenga izindlu?
Abathenga izindlu okokuqala ngqa bangase bafanelekele izinhlelo ezifana Nekhredithi Yentela Yomthengi Wasekhaya Wokuqala, Uhlelo Lwabathengi Bekhaya, nokukhululwa enteleni yokudluliswa kwempahla. Lezi zinhlelo zinganikeza izinzuzo ezinkulu zezezimali futhi zisize ukunciphisa izindleko zangaphambili zokuthenga ikhaya.
Yini okufanele ngiyenze ukuze ngilungiselele ikhaya lami ukudayiswa?
Ukulungiselela ikhaya lakho ukuthi lidayiswe kuhilela ukuwohloka, ukulungisa noma ukuthuthukisa okudingekile, futhi mhlawumbe nokumisa ikhaya lakho ukuze ulenze likhange nakakhulu kulabo abangase babe abathengi. Kubalulekile futhi ukubeka intengo yendlu yakho ngendlela efanele ngokuhlaziya izimo zemakethe yendawo.
Ngingalithola kanjani inani lempahla yami?
Inani lempahla linganqunywa ngokuhlaziywa kwemakethe okuqhathanisayo okwenziwa uchwepheshe wezindlu nezakhiwo noma ngokuhlolwa kochwepheshe. Izinto ezicatshangelwayo zifaka indawo yendawo, usayizi, isimo, nezintengo zokuthengisa zezakhiwo ezifanayo endaweni yangakini.
Yiziphi izimfuneko ezingokomthetho zokuthengisa indawo?
Izimfuneko zomthetho zihlanganisa ukunikeza isihloko esicacile sendawo, ukudalula iziphambeko ezaziwayo, kanye nokuhlangabezana nezibopho ezithile ngaphansi kwemithetho yendawo yendawo. Ezindaweni ze-strata, ukudalulwa okwengeziwe okuphathelene ne-strata corporation kungase kudingeke.
Isebenza kanjani intela yokudluliswa kwezakhiwo?
Intela yokudluliswa kwempahla ikhokhwa umthengi ngokusekelwe kunani elifanelekile lemakethe lesakhiwo ngesikhathi sokuthenga. Kukhona ukukhululwa kanye nokwehliswa okutholakalayo kubathengi abathile, njengabathenga izindlu okokuqala ngqa.
Yiziphi izinto ezicatshangelwayo eziyingqayizivele lapho uthenga noma uthengisa indawo ye-strata?
Abathengi nabathengisi bezakhiwo ze-strata kudingeka bacabangele izindleko ze-strata, impilo yezezimali ye-strata corporation, imithetho yedolobha kanye nemikhawulo, nanoma yiziphi izintela noma ukuhlolwa okuzayo. Abathengisi kufanele badalule imininingwane ethile, njengokwabiwa kwezindawo zokupaka kanye namalokha okugcina.
Ingabe Umthetho Wamasevisi Ezindlu Ubavikela kanjani abathengi?
UMthetho Wezinkonzo Zezindlu uhlinzeka ngohlaka lokulawula embonini yezindlu nemizi, uqinisekisa ukuthi ochwepheshe bezindlu nezindlu benza ngendlela ezuzisa amakhasimende abo futhi banamathele ezindinganisweni zokusebenza, ngaleyo ndlela bavikele abathengi emikhubeni engalungile.
Ngingakwazi ukuhoxisa isithembiso sami sokuthenga indawo?
Ngo-BC, abathengi banesikhathi sokuhoxisa esiyizinsuku ezintathu ngemuva kokuthi ukunikezwa kwabo kwamukelwe ezinhlotsheni ezithile zokuthenga indawo yokuhlala, okubavumela ukuthi bashintshe umqondo wabo ngenkokhelo. Lokhu akusebenzi kukho konke ukuthengiselana kwezakhiwo, ngakho-ke kubalulekile ukuqonda izimo ezithile kanye nokukhululwa.
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