Kutenga imba muNetherlands kune chimiro chepamutemo chakasimba: bhidhi, gwaro rekutenga rakanyorwa, nguva yekudzikamisa imba, mamiriro ekutanga, dhipoziti, uye gwaro rekusimbisa rekutumira imba rakanyoreswa kuLand Registry. Gwaro rakawanda revanotenga imba vanobva kune dzimwe nyika rinobva kune vamiririri vezvivakwa uye rinotarisa pamutengo. Chinyorwa chino chinotsanangura matanho epamutemo - chii chinokusunga uye riini, uye chii chaunogona kuramba uchisiya. Igwaro repamutemo, kwete zano rezvemari.
Ko mutorwa anogona kutenga imba muNetherlands here?
Ehe. Hapana mutemo werudzi rwemuridzi weimba yekugara yeDutch. Haufanire kunge uri mugari weDutch, mugari weEU, kana mugari weNetherlands kuti uve muridzi akanyoreswa. Hapana mvumo uye hapana nguva shoma yekugara. Land Registry (Kadaster) inorekodha muridzi wepasuru yega yega pasina hanya nepasipoti yemuridzi.
Zvinhu zviviri zvinowanzo kanganiswa nemutemo usingapo. Chekutanga, kuva muridzi hakusi mamiriro ekupinda munyika: kutenga hakukupi kodzero yekugara, uye mamiriro asina kugadzikana haakumisi kuva nepfuma. Chechipiri, mamwe madhorobha anorambidza kutenga imba yekurenda, kwete kune vekune dzimwe nyika. Pasi pechirongwa chinonzi opkoopbescherming , chakatanga kushanda kubva 1 Ndira 2022, manisiparati anogona kusarudza nzvimbo umo imba yakachipa kana yepakati isingabvumidzwe kwenguva yakati mushure mekutenga pasina mvumo. Zvinokanganisa zvaunoita neimba, kwete kuti uri ani.
Zvaunoda kuti zviitwe usati waita bhidha
Nhamba yebasa remugari (BSN)
BSN inopihwa otomatiki kune wese munhu akanyoreswa muDutch Personal Records Database; vanhu vasiri vagari vemo vanogona kunyoreswa muNon-Residents Records Database vowana imwe nenzira iyoyo. Kuva muridzi webhizinesi hakutsamiri pakuva neBSN, asi mafaira emunotari anoita izvozvo, uye mabhangi achakumbira kuti idzoserwe.
Akaundi yebhangi reDutch
Hapana mutemo unoda imwe, asi iwe uchaida imwe. Mutengo nemari zvinobhadharwa muakaundi yemutengi wegweta ( derdengeldenrekening ), uye mari inobva kuakaundi yekune dzimwe nyika inononoka uye inowanzo miswa nemacheki ekudzivirira kubiwa kwemari. Mari dzisina kubhadharwa mangwanani ekutumira mari dzichamisa.
Zvinodiwa nemukweretesi wemba, padanho repamutemo
- Mortgage yeDutch ikodzero yekurerutsa inogadzirwa negwaro re notarial rakasiyana, rinoitwa panguva imwe chete nekutamiswa kwemari uye rinonyoreswa mumarejista mamwe chete.
- Mukweretesi chikumbiro chakanyorwa chinosunga ndizvo zvinofanira kuenderana nemamiriro ako emari. Chiratidzo chenguva pfupi hachisi chipo, uye kuvimba nechimwe ndicho nzira inowanzo shandiswa nevatengi kubvisa mari yedhipoziti.
- Kana wakaroora kana kuti uri muwanano yakanyoreswa, mumwe wako anowanzo fanirwa kunge ari mumwe wevanhu kana kuti abvumirane. Hurongwa hwemidziyo yemuchato wekunze hunoita kuti izvi zviome; bvunza gweta nekukurumidza.
Vamiririri vezvivakwa: ndiani anomirira ani
Apa ndipo panowanzo onekwa vatengi vekune dzimwe nyika. Mumiriri anokuratidza imba, anopindura mibvunzo yako uye anonyora gwaro rekutenga ndiye mumiriri anotengesa ( verkoopmakelaar ), anorayirwa uye anobhadharwa nemutengesi uye anoita zvinoenderana nezvinodiwa nemutengesi. Hapana chakataurwa pakutarisa chinochinja izvozvo. Haasi mupi wezano, haasi mupi wezano wako, uye haana basa rekutaurirana mutengo wakaderera kana kukupa mazano pamusoro pemamiriro ezvinhu aunofanira kusimbirira.
Mumiriri wekutenga ( aankoopmakelaar ) anorayirwa nemi: kukoshesa, kukumbira, kutarisa sangano revaridzi neongororo, uye kukubatsirai kuita basa renyu rekuferefeta. Pasi pemitemo yehunyanzvi yemasangano makuru evamiriri, mumiriri mumwe chete haafanire kushanda achimiririra mapato ese ari maviri muchibvumirano chimwe chete.
Chikumbiro, uye nei chisati chambokusunga
Mutengo unodiwa kukokwa kuti vanhu vataurirane, kwete chipo. Mutengesi anogona kuramba mutengo wakakwira, kugamuchira wakaderera kana paine mamiriro ari nani, kana kutengesa kumwewo. Kana mubereko wakawanda, imba yacho inogona kuenda kune yakavharwa ( inschrijving ), uye mutengesi achiri kusarudza.
Pfungwa yepamutemo inonyanya kukosha ndeiyi. Kana mutengi ari munhu wepachivande asiri kuita basa rake rebhizinesi kana basa, uye imba yacho yakagadzirirwa kugara, kutenga kunofanirwa kunyorwa pasi (art. 7:2 BW). Kusvika mapato ese asaina gwaro remutemo hapana kutengeswa kunosungirwa. Chibvumirano chinogamuchirwa nefoni, email kana kukwazisana hakukusungi.
Mhinduro yacho haina kunaka: hazvibatanidzi mutengesi zvachose. Kusvika pakusaina anogona kugamuchira bhidhi yakakwira, uye iwe hauna chikumbiro. Vatengi vanofunga kuti "chipo chedu chakagamuchirwa" zvinoreva kuti imba yacho ndeyavo, uye kubvisa mabhuku zvinoenderana nazvo, kunoonekwa. Dzvanya gwaro rekunyora nekukurumidza.
Gwaro rekutenga (koopovereenkomst)
Dzimba dzinenge dzese dziripo dzinotengeswa pagwaro rekutenga rakanyorwa pamwe chete nemasangano evamiririri nemasangano evatengi. Kushandiswa kwaro hakusi kwekumanikidzwa, asi kusimuka kwacho kunofanirwa kubvunzwa: modhi yacho yakaenzana nemaune, saka chikamu chinowedzerwa pamusoro payo chinowanzo fadza mutengesi. Tarisa zvirinani:
- Tsananguro yenzvimbo, uye kana ivhu iri remunhu oga kana kuti rakachengetwa pasi.
- Rondedzero yezvinhu zvinofambiswa nezvinhu zvinoshandiswa — gakava pamusoro pemakicheni nepasi rinogona kudzivirirwa.
- Zuva rekuchinjirwa uye zuva rekugara, izvo zvinogona kusiyana.
- Mamiriro ezvinhu ekutanga, nguva dzawo dzekupedzisira, uye kuti anofanira kushandiswa sei.
- Dhipoziti kana garandi yebhangi, uye nguva yazvinofanira kupihwa.
- Zvimwe zvikamu: chikamu chezera, chikamu che-as-is, chikamu cheasbestos, kana chimwe chinyorwa chekuti mutengesi haana kumbobvira agara ipapo.
- Zvipingamupinyi: magwaro ekubhadhara, zvisungo zvemhando yepamusoro uye zvirambidzo zvemaguta.
Ita kuti gwaro riongororwe usati wasaina: kana nguva yekudzikamisa zvinhu yapera uye mamiriro acho apera, zvirevo zvaro zvinongova chibvumirano chako.
Nguva yekudzikamisa zvinhu zviri pamutemo
Mutengi weimba yega ane nguva yepamutemo yekudzikamisa imba yemazuva matatu apo kutenga kwacho kunogona kupedzwa (art. 7:2 BW).
- Zvinotanga zuva rinotevera gwaro remutemo rakasainwa, kana kopi, rapiwa kwauri. Kumbira risiti rine zuva.
- Zviviri pazvitatu hazvifanirwe kunge zviri Mugovera, Svondo kana zororo reveruzhinji rinozivikanwa; zvikasadaro rimwe zuva rinowedzerwa.
- Hapana chikonzero chinofanira kupiwa uye hapana muripo unobhadharwa. Zvinodzivirira mutengi chete; mutengesi haana kodzero yakaenzana nayo.
- Nyungudutsa nekunyora, uye iva nechokwadi chekuti chiziviso chacho chagamuchirwa arrives mutengesi kana mumiririri anotengesa mukati menguva — yakatumirwa pazuva rekupedzisira asi yakagamuchirwa gare gare yanonoka.
Conditions precedent (ontbindende voorwaarden)
Mamiriro ezvinhu ekutanga inzira dzekutiza dzakabvumiranwa mugwaro rechikwereti - dziviriro inonyanya kukosha yemutengi, uye chinhu chekutanga chinoraswa mumusika wemakwikwi. Kuvarega vachikunda makwikwi ekutenga kunoshandura kutenga kusina mari kuita mutoro wemunhu wega weinenge gumi muzana yemutengo.
Mamiriro emari
- Isa nguva yakatarwa. Mavhiki mana kusvika matanhatu akajairika; mukweretesi anobata mari yekune dzimwe nyika kana basa rekuedza angada nguva yakareba.
- Taura mari yacho uye, kana zvichibvira, mitemo iyo mari inofanira kuwanikwa.
- Chibvumirano chemuenzaniso chinowanzoda kuti chikumbiro chive zvakanyorwa: chiziviso chakanyorwa, nenguva, chinotsigirwa nekuramba kwevanokweretesa kwakanyorwa. Chirevo chisina rutsigiro chekuti mari yakundikana chinorambwa nguva dzose.
- Kana nguva yekupedzisira ikasaonekwa, kumbira kuti nguva yacho iwedzere nekunyora. pamberi Inopera uye inopihwa chibvumirano chakanyorwa nemutengesi. Kunyarara hakusi kuwedzerwa kwenguva.
Mamiriro ekuongorora chimiro
Izvi zvinokubatsira kuti upedze, kana kuti utauriranezve, kana ongororo ikaratidza kuti mari yekugadzirisa iri pamusoro pemuganho wakabvumiranwa. Zvinhu zviviri zvinofanira kunge zvakarurama: muganho, uye kuti ndeapi mari inoverengwa pairi - mamiriro anoverenga chete "anodiwa nekukurumidza" akamanikana kupfuura mumwe achiverenga zvese zvikanganiso zvakawanikwa.
Chivimbo chevimbiso yemortgage yenyika
Chivimbiso cheNational Mortgage Guarantee ( Nationale Hypotheek Garantie , NHG) chinoderedza njodzi yemukweretesi uye kazhinji mubereko, uye chinodzivirira mukweretesi kubva kuchikwereti chasara mumamiriro ezvinhu akatsanangurwa. Chikwereti chakanyanya chinogona kuvimbiswa, chiyero chakakwira chinoshanda kana matanho ekuchengetedza simba achibhadharwa nacho, uye muripo wekamwe chete unoiswa gore rega rega neStichting Waarborgfonds Eigen Woningen uye unoburitswa pawebhusaiti yavo; bvunza mukweretesi wako kuti uwane nhamba dziripo pazuva rekunyorera kwako. Nekuti NHG inonamatira kuchikwereti kwete imba, mutengi anovimba nayo anofanira kuita kuti kutenga kunoenderana nekuwana mari neNHG , kwete kungowana mari chete.
Chero mamiriro ezvinhu api zvawo, mutemo wacho wakafanana: taura nezvazvo nenguva, nekunyora, nenzira inorayirwa nechibvumirano. Chibvumirano chakanyorwa zvisina kunaka hachina kukosha.
Dhipoziti kana garandi yebhangi
Chibvumirano ichi chinowanzo da kuti, mukati menguva yakatarwa mushure mekunge mamiriro acho apera, ubhadhare dhipoziti muakaundi yemutengi wenotari kana kupa vimbiso yebhangi. Chibvumirano chekutenga chemhando yeNVM, VBO, VastgoedPRO naVereniging Eigen Huis chinoisa mari pa10 % yemutengo wekutenga . Garandi inopihwa nebhangi rako nemari uye haibhadhare mari; dhipoziti inobatwa nenotari uye inobhadharwa pamutengo wekutumira. Chero chipi zvacho chinochengetedza chirango chaungave nacho kana ukasapedza. Kuchisiya pachako kutyora mutemo, uye ndiyo nguva yakatarwa iyo vatengi vanowana mari kubva kunze kwenyika vanowanzo rasikirwa nayo.
Ongororo, kuburitsa pachena uye basa rako rekuferefeta
Mutemo weDutch unoisa mitero kumativi ese ari maviri. Mutengesi anofanira kuendesa pfuma inoenderana nechibvumirano uye yakakodzera kushandiswa seimba yekugara (art. 7:17 BW), uye anofanira kuiendesa pasina muripo wakakosha uye zvirambidzo kunze kwezvamakabvuma pachena (art. 7:15 BW). Anofanira kuzivisa zvaanoziva nezvepfuma.
Izvi zvinoreva kuti mutengi ndiye anofanira kuferefeta. Zvikanganiso zvawaigona kunge wakawana nekutarisa, kubvunza kana kupa mvumo yekuongorora, kazhinji, ndizvo zvinokunetsa. Basa rekuzivisa zvinhu rinowanzova rakasimba kana mutengesi aiziva nezvechikanganiso asi asina kutaura chinhu, asi usambofa wakaronga kukunda nharo iyoyo. Panzvimbo pezvo, ferefeta: tumira ongororo, verenga mibvunzo yemutengesi nehurongwa hwezvakatipoteredza, uye kuti uwane pepa revaridzi.
Zvikamu zviviri zvinoisa njodzi kumutengi. Chikamu chezera ( ouderdomsclausule ), chinowanzoitwa nedzimba dzekare, chinoganhurira mutoro wemutengesi kuitira kuti ugamuchire mitemo yekuvaka nekugadzirisa yemunguva yechivako; mashoko acho akakosha, nekuti mamwe mavhezheni anosvika kupfuura zvikanganiso zvine chekuita nezera. Chikamu che as-is chinotengesa imba iri mumamiriro ayo aripo iye zvino mutoro wemutengesi usingabatanidzwi kusvika mutemo wabvumidza, kazhinji pamwe chete nechikamu chakanyorwa kuti mutengesi haana kumbogara ipapo. Paunoona chero chimwe chezvizvi, ongororo inorega kuva sarudzo.
Kana paine chikanganiso chikabuda mushure mekutamiswa, zivisa mutengesi nekunyora nekukurumidza. Art. 7:23 BW inoda kuti mutengi anyunyute mukati menguva yakakodzera ( bekwame tijd ) yekuona chikanganiso chacho, kana panguva yaanofanira kunge akachiwana; nguva yakatarwa yemwedzi miviri yechinyorwa ichocho inoshanda kune vatengi vanotenga zvinhu zvinofambiswa, kwete pakutenga imba, saka hapana mavhiki akachengeteka ekuvimba nawo. Mutengi anomirira anorasikirwa nechikumbiro.
Gweta, gwaro rekutumira uye nguva yekuva muridzi weimba
Pfuma yeDutch haigone kupihwa munhu wega. Muridzi wepfuma anongopihwa chete kana gwaro remutemo rekuti munhu apihwe mvumo yekutumira zvinhu negweta remutemo rehurumende rakagadzwa muNetherlands, richiteverwa nekunyoreswa mumarejista eruzhinji anochengetwa neLand Registry (art. 3:89 BW). Kutamiswa kwepfuma kunodawo kuti munhu ave nemagwaro epamutemo uye mutengesi ane simba rekutengesa zvinhu (art. 3:84 BW).
Basa remugweta ndiro rinochengetedza zvakanyanya:
- Anotsvaga mumarejista kuti asimbise muridzi wemutengesi uye aone zvikwereti zvemba, zvakabatanidzwa, magwaro ekutenga zvinhu uye zvirambidzo — achidzokorora izvi pazuva rekusaina uye mushure mekunyoresa.
- Inosimbisa hunhu hwako uye kwakabva mari yako pasi pemitemo yekurambidza kushambadza mari.
- Anonyora gwaro rekuchinja chikwereti, uye kana uri kukwereta, gwaro rechikwereti, uye anopa gwaro rekupedzisa chikwereti.
- Inoita shuwa kuti zvikwereti zvemba zviripo zvabviswa, inoburitsa mari kumutengesi chete kana kunyoresa kwasimbiswa, uye inobhadhara mutero wekutamisa zvinhu.
Unova muridzi kana gwaro ranyoreswa — kwete pakusaina, uye kwete pakubhadharwa. Mutengi anosarudza notari, sezvo mutengi achibhadhara. Sarudza: mari dzinosiyana, uye notari aimboshanda muChirungu akakodzera kuwanikwa.
mari
Dzimba dziripo dzinowanzo kutengeswa kosten koper (kk): mutengi ndiye anotakura mari yekutamisa pamusoro pemutengo. Kuvaka kutsva kunowanzoitwa vrij op naam (von), pamwe chete nazvo. Chinhu chikuru mutero wekutamisa ( overdrachtsbelasting ). Kune nzira ina dziripo padivi nepadivi: kusunungurwa kamwe chete kune mutengi kekutanga mukati mezera rekugara mumba uye ane kutenga kunogara pasi pemutengo wakanyanya; mutengo wakaderedzwa weimba yauchazvitora seimba yako huru; mutengo wakakwira weimba yausingazogara, senge imba yezororo kana kutenga-ku-rent; uye mutengo wezvimwe zvinhu zvisingafambi. Mitengo, zera uye mutengo wemutengo uri muWet op belastingen van rechtsverkeer, zvinogadziriswa neparamende mupakeji yemutero wegore negore, uye zvinoburitswa neBelastingdienst; tarisa nhamba iri kushanda pazuva rekutamisa kwete zuva rechibvumirano, uye tora kubva kumupi wezano wako wemitero. Mutengo wedzimba dzisingashandiswe sedzimba huru wakaderedzwa kubva musi wa1 Ndira 2026, saka pfupiso dzekare dzinoratidza nhamba yepamusoro.
Uyewo bhajeti yemari yemunotari yekutumira nekubhadhara zvikwereti zvemba; muripo wekunyoresa Land Registry wegwaro rega rega, rinotarwa gore rega rega neKadaster; kuyera mutengo; ongororo; muripo weNHG; zano rekubhadhara dzimba; uye muripo wemumiriri wekutenga.
Masangano ekurenda pasi nevaridzi
Rendi yevhu (erfpacht). Muzvikamu zve Amsterdam uye mamwe maguta munotenga chivakwa uye muripo wekurenda wevhu kwenguva refu, kwete ivhu pacharo: kodzero yekushandisa, zvichienderana nemamiriro ezvinhu uye rendi yepasi inogona kugadziriswa, kugadziriswa nguva nenguva, kana kutengwa nekusingaperi. Verengai mamiriro ezvinhu uye nzira yekugadzirisa usati waita bhidha - kugadziriswa kunofanira kuitwa nguva pfupi mushure mekutenga kunogona kudhura.
Masangano evaridzi ( Vereniging van Eigenaars , VvE). Kutenga imba zvinoreva kutenga imba nemazvo, uye kuva nhengo kunongoitika uye kunosungirwa. Usati wasaina, tora gwaro redhivhisheni, mitemo yemukati, maminitsi achangoburwa, maakaundi, mari yekuchengetedza uye chero chirongwa chekuchengetedza, uye tarisa kana mabasa makuru akagadziriswa asi asina kubhadharwa. Sangano risina mari yakakwana mutoro waunogara nhaka.
Kana mutengesi asingashande
Kana nguva yekudzikamisa zvinhu yapera uye mamiriro acho apera, chibvumirano chinosunga mativi ese. Kana mutengesi akaramba kutamisa zvinhu pazuva rakabvumiranwa, modhi yakajairika inopa mhinduro yakarongeka: kupa chiziviso chakanyorwa chekusabhadhara chikwereti chichibvumira nguva pfupi inorayirwa nechibvumirano; kana achiri kusaita, kuputsa wokumbira chirango, kana kuda kushanda uye kukumbira chirango chezuva nezuva chekunonoka. Chirango chinowanzova 10% yemutengo wekutenga - ndosaka dhipoziti yakatarwa panhamba iyoyo.
Michina imwecheteyo inoshandawo kwauri: mutengi asingakwanise kupedzisa, asina kana chikonzero chekudaidza, anotarisana nechirango ichocho, uye gweta ndiye akabata mari yacho. Tevedzerai zano pakutanga kwechiratidzo chekupedzisira nekuti nguva yekupedzisira haichashandi.
Nguva yekufamba kwenguva nhanho nhanho
| Stage | Chii chinoitika | Kukosha kwepamutemo | Nguva |
|---|---|---|---|
| 1. Kugadzirira | BSN, account yebhangi, kuongororwa kwemortgage | Hapana chinokusunga | Usati waona |
| 2. Chikumbiro | Yakatauriranwa kana kuti nemutemo wetender | Hazvisungi; art. 7:2 BW inoda kunyorwa | Days |
| 3. Chikumbiro chagamuchirwa | Mumiriri anogadzira gwaro rebasa | Hazvisati zvasungwa; bhidhi yepamusoro inogona kuhwina | Mazuva kusvika kumavhiki maviri |
| 4. Chibvumirano chakasainwa | Mapato ese ari maviri anosaina; unogamuchira kopi | Kusunga, zvichienderana nekutonhorera uye mamiriro ezvinhu | Day 0 |
| 5. Kutonhodza | Mazuva matatu kubva pazuva rawakagamuchira | Nyungudutsa pasina chikonzero kana muripo (art. 7:2 BW) | Mazuva 1-3 |
| 6. Survey | Yakatumirwa uye yakashumwa | Hwaro hwemamiriro ekuongorora | Vhiki 1-3 |
| 7. Mari | Chipo chechikwereti chakanyorwa chinosunga | Hwaro hwemamiriro emari | Vhiki 1-6 |
| 8. Mamiriro ezvinhu anopera | Nguva dzekupedzisira dzinopfuura | Kutenga kunova kusina miganhu | Pamutemo webasa |
| 9. Dhipositi | 10% kuna notary, kana garandi yebhangi | Chibatiso chemutongo | Pamutemo webasa |
| 10. Basa regweta | Kutsvaga, kutarisa humbowo, kunyora magwaro ebasa | Inosimbisa zita remusoro, inobvisa zvipingamupinyi | Mavhiki zvisati zvaitika |
| 11. Kuongorora kwekupedzisira | Unotarisa usati wasaina | Mukana wekupedzisira wekusimudzira mamiriro ekunze nemitambo | Zuva rekuchinjisa |
| 12. Chinjana | Mabasa akaitwa uye akanyoreswa | Mapasi ekunyoresa muridzi (art. 3:84, art. 3:89 BW) | Mavhiki e6-12 |
Ndinofanira kugara kuNetherlands here kuti nditenge imba pano?
Kwete. Hapana chinodiwa chekugara kana rudzi rwemunhu kuti uve neimba yekugara yeDutch. Chinonyanya kukanganisa imba ndeyekukwereta: vanokweretesa vanonyatsoongorora nhoroondo yemari yavanobhadhara uye basa, saka munhu asiri mugari wemo ane vanokweretesa vashoma. Mamwe madhorobha anorambidza kukweretesa dzimba dzakachipa mushure mekutenga, asi izvozvo zvinoshandura kushandiswa kweimba, kwete rudzi rwemutengi.
Chipo changu chinosungirwa here kana mutengesi angochigamuchira?
Kwete. Kana munhu akatenga imba, kutenga kunofanira kunge kwakanyorwa (art. 7:2 BW), saka hapana chinosunga kusvika mapato ese asaina gwaro remutemo. Izvi zvinokudzivirira kuti usabatirwe nebhidhi, asi zvinorevawo kuti mutengesi anogona kugamuchira chipo chepamusoro kusvika pakusaina. Usabhadharise mari yekugamuchira imba chete.
Nguva yekudzikamisa muviri inotora nguva yakareba sei uye inoverengwa sei?
Mazuva matatu, kubva pazuva rakatevera gwaro remutemo rakasainwa kana kopi yapihwa kwauri (art. 7:2 BW). Maviri haafanire kunge ari Mugovera, Svondo kana zororo revanhu rinozivikanwa; kana zvikasadaro, zuva rimwe rinowedzerwa. Hamufanirwe kupa chikonzero uye kubhadhara muripo. Nyungudutsai nekunyora, uye iva nechokwadi chekuti chiziviso chasvika kumutengesi mukati menguva iyoyo.
Chii chinoitika kana mortgage yangu ikasashanda?
Kana gwaro rako rine mamiriro ekubhadhara mari uye ukarishandisa nemazvo, unogona kuriputsa pasina kurangwa. Zvinoreva nemazvo mukati menguva yakatarwa, nekunyora, uye kazhinji nekuramba kwakanyorwa kwemukweretesi zvinodiwa nechibvumirano. Kana nguva yakatarwa yapfuura, kana kuti wakabvisa mamiriro ekuhwina bhidhi, unosungirwa, uye kukundikana kuripedza kunowanzoita 10% yemutengo.
Ndichabhadhara mutero wekuchinja imba nemarii pandinenge ndichitenga imba?
Zvinoenderana nezvauchaita neimba. Mutengo wakaderera unoshanda kune imba yauchagara iwe pachako seimba yako huru uye mutengo wakakwira kune wausingazogara, senge imba yezororo kana yekurenda. Mutengi wekutanga ari muchikamu chezera repamutemo, uyo achagara ipapo uye anogara pasi pemutengo wakaderera, haabhadhare chero chinhu, kamwe chete. Mitengo nemutengo wakaderera zvakaiswa muWet op belastingen van rechtsverkeer uye zvakaburitswa neBelastingdienst.
Ndotsvaga mumiriri wekutenga, muongorori wezvinhu kana gweta here?
Vanoita zvinhu zvakasiyana. Mumiriri wekutenga ndiye anotarisira divi remusika. Muongorori wezvivakwa anokuudza kuti chivakwa chichadhura zvakadii kugadzirisa. Gweta rinoongorora gwaro rechivakwa pamwe chete nemagwaro aro akawedzerwa, rinoongorora magwaro erendi yepasi kana esangano revaridzi, uye rinopa mazano pamamiriro ezvinhu nenguva yekupedzisira. Mupi wemagwaro haana rusaruro; haasi mupi wemazano ako ekuti chibvumirano chakanaka here kana kuti kwete.
