ziviso
Kutenga imba itsva panguva yekurambana kunogoneka muNetherlands pasi pemamwe mamiriro ezvinhu. Kana uchikwanisa kutenga imba wega uye kuti mhedzisiro yemari ichave yei zvinoenderana nehurongwa hwepfuma yako yemuchato uye nguva yaunoendesa chikumbiro chekurambana kudare.
Nyaya iyi yakagadzirirwa vanhu vari kurambana vari kufunga kutenga imba itsva panguva yekurambana. Ungave uchida kuziva kana uchida mvumo yewaimbova mudiwa wako, chii chinoitika kukodzero dzepfuma, kana kuti mukweretesi wemortgage anoona sei mamiriro ako ezvinhu, uchawana mhinduro pano. Hatitauri nezvenguva yauchazonyoresa kudare rehurumende, sezvo mitemo yevanhu vasina kuroora kana kuroorwa inoshanda ipapo.
Mhinduro yakananga: Ehe, unogona kutenga imba itsva panguva yekurambana, asi mhedzisiro yacho inosiyana zvikuru. Kana ukatenga imba isati yaendeswa kudare, imba yacho ichaonekwa seimba yemubatanidzwa uye wawaimbove mudiwa wako achava muridzi weimba imwe chete. Kana ukatenga imba yacho mushure mekunge yaendeswa kudare, imba yacho ichave yako zvachose.
Chinyorwa chino chinofukidza zvinhu zvikuru zvinotevera:
- Maitiro ekugadzirisa pfuma yemuchato wenyu kana aimbova mudiwa wako achizova muridzi pamwe chete
- Sei nguva yekukumbira kurambana ichikosha kudaro?
- Ndeipi mvumo inodiwa pakutenga nekubhadhara chikwereti
- Migumisiro yemari yealimony, mari yedzimba uye mitero
- Matanho anoshanda ekuwana chikwereti chemba panguva yekurambana
Kunzwisisa hurongwa hwemidziyo yewanano
Hurongwa hwemidziyo yewanano hunosarudza kuti ndiani anova muridzi wemba yaunotenga panguva yekurambana. Iyi ndiyo hwaro hwemibvunzo yese pamusoro pekubvumirana, zvikwereti zvemba uye kugovaniswa kwemidziyo. Kana usingazive kuti wakaroorana pasi pehurongwa hupi, haugone kuongorora mhedzisiro yekutenga imba.
Mumhuri yewanano yepfuma, midziyo nezvikwereti zvinogovaniswa otomatiki. Kana paine chibvumirano chemuchato usati waroorana, izvi zvinogona kurongwa zvakasiyana zvachose. Manyorerwo chaiwo echibvumirano chemuchato wenyu ndiwo akakosha panyaya iyi.
Nharaunda yakazara yepfuma
Muwanano mumhuri yese ine pfuma, zvese zvaunotenga panguva yewanano zvinowira munharaunda. Izvi zvinoshandawo kumuchato wakaitwa musi wa1 Ndira 2018 usati wasvika, asiwo kumuchato unotevera usina chibvumirano chemuchato, uko zvese zvakaunganidzwa panguva yewanano zvinowira munharaunda ine vanhu vashoma.
Migumisiro yekutenga imba:
- Imba itsva yaunotenga usati waparara nharaunda inozova imba yemubatanidzwa.
- Aimbova mudiwa wako anova muridzi pamwe chete newe, kunyangwe zita rako chete riri pagwaro rekutengesa.
- Chikwereti chemba ndechevanhuwo zvavo.
- Imba itsva iyi inofanira kuverengerwa muchibvumirano chekurambana kana yapatsanurwa.
Pakutanga, zvingaita sekuchenjera kutenga imba nekukurumidza, asi izvi zvinoita kuti pave neimwe imba inofanira kugovaniswa. Izvi zvinoita kuti nyaya dzekurambana dziome.
Kupatsanurwa kwepfuma
Chibvumirano chemhuri isati yaroorana chine kupatsanurwa kwepfuma zvakakwana chinokupa rusununguko rwakawanda. Kana dzimba dzikasabatanidzwa zvachose mukuva muridzi wemhuri, unogona kutenga imba uri wega pasina wawaimbove muridzi weimba yako.
Zvakanakira zvehurongwa uhu:
- Imba itsva iyi ipfuma yako yega
- Hamufanirwe kukumbira mvumo yekutenga pachako
- Mumwe mubatsiri haana mugove wemari yakawandisa kana yekushaikwa kwemari
- Chibvumirano chekurambana chinova nyore zvikuru
Tapota cherechedza: Vanhu vazhinji vanofunga kuti vane midziyo yakasiyana zvachose, kunyangwe chibvumirano chavo chemuchato chingasanganisira midziyo yemunharaunda yakaganhurirwa kana zvikamu zvekugadzirisa. Nguva dzose tarisai mashoko chaiwo echibvumirano chenyu chepamberi pemuchato. Kana dzimba dzisina kubviswa pachena, mitemo imwechete inoshandawo kune midziyo yemunharaunda.
Mubvunzo wekuti ndeipi nzira inoshanda ndiyo inosarudza nzvimbo yekutanga. Asi kunyangwe paine kudyidzana kwepfuma, pane nguva inokosha apo mamiriro ezvinhu anochinja: kuendeswa kwegwaro rekurambana.
Nguva yekunyorwa kwepeti rekurambana
Nguva iyo iwe kana wawaimbova mudiwa wako pamunoendesa nyaya yekurambana kudare ndiyo inosarudza muridzi wemba itsva. Kubva muna 2012, iri ndiro zuva repamutemo rekutarisa: pazuva iroro, mubatanidzwa wepfuma unoparadzwa. Izvi zvine simba rekudzokera shure pakutenga kwese kunotengwa mushure mezuva iroro.
Usati waisa chikumbiro
Chero bedzi chikumbiro chekurambana chisati chaendeswa, wakasungwa zvizere nemumwe wako panyaya dzepfuma mutemoKutenga imba panguva ino kune migumisiro yakakura.
Chii chinoitika:
- Imba itsva inova chikamu chenharaunda yepfuma
- Aimbova mudiwa wako anova muridzi pamwe chete newe, zvisinei nekuti ndiani akasaina gwaro rekutengesa
- Chikwereti ichi ndechevanhu vemunharaunda yepfuma uye vese vari vaviri vane mutoro wekuchibhadhara.
- Panguva yekugoverwa kunotevera, zvinofanirwa kusarudzwa kuti ndiani achagamuchira pfuma iyi kana kuti ichatengeswa here.
Ngozi:
- Unogadzira imwe pfuma inofanira kugovaniswa
- Mumwe mubatsiri anogona kutora hafu yemari yasara mune ramangwana
- Vakweretesi vewaimbova shamwari yako vanogonawo kudzosa zvikumbiro zvavo kubva papfuma iyi kuburikidza nepfuma yemubatanidzwa.
- Kusawirirana pamusoro pekugoverwa kwezvinhu kunogona kuwedzera
Saka, hazviwanzo kuchenjera kutenga imba usati waisa chikumbiro chekurambana. Pamusoro pezvose, uri kuunganidza zvinhu zvaungangoda kugovana.
Mushure mekuisa chikumbiro
Kubva panguva iyo chikumbiro chekurambana chagamuchirwa nedare, nharaunda yepfuma inoparadzwa. Izvi zvinoshandura mamiriro acho ezvinhu zvakanyanya.
Migumisiro yekuva muridzi wechinhu:
- Imba itsva yaunotenga ikozvino ndeyezvinhu zvako zvepachivande
- Wawaimbova naye haasi muridzi wemumwe wako
- Chikwereti chacho ndechemunhu oga; mumwe mudiwa haana mhosva
- Pfuma iyi haifanirwe kuverengerwa muchikamu chemhuri yewanano.
Chinhu chakakosha chechikwereti chemba: Kunyangwe uchigona kutenga imba wega, ungangoda mvumo yewaimbova mudiwa wako kuti utore chikwereti chemba. Chero bedzi kurambana kusati kwanyoreswa zviri pamutemo nebazi rezvemitemo, vamwe vanokweretesa vachiri kukuona sewakaroora kana kuroorwa. Kana mumwe wako akaramba, unogona kunyorera kudare kuti uwane mvumo.
anosiyiwa
Pane zvimwe zvisingabvumirwi apo imba inogona kuramba iri kunze kwenharaunda kunyangwe chikumbiro chisati chaendeswa.
Kudyarazve mari yako pachako: Kana ukabhadhara pfuma yacho nemidziyo yako wega - semuenzaniso, chipo chine chikamu chekusabatanidzwa kana nhaka - pfuma yacho inogona kuwira kunze kwemutemo wepfuma yenharaunda. Mitemo yakaoma inoshanda:
- Anenge 50% yemutengo wekutenga inofanira kubva mumari yemunhu inoonekwa.
- Izvi zvinofanirwa kunyorwa mugwaro re notarial
- Kwakabva mari iyi kunofanira kusimbiswa
Izvi zvakaoma kushandisa kana uchidawo chikwereti. Gara uchitsvaga mazano emutemo panyaya iyi.
Migumisiro inoshanda uye maitiro
Mikana yepamutemo yekutenga imba ndeimwe nyaya; mukana wekutenga imba unoshanda yakasiyana zvachose. Vanokweretesa dzimba vanongwarira kana vanhu varambana, uye migumisiro yemari inodarika mutengo wekutenga chete.
Chikumbiro chechikwereti chemba panguva yekurambana
Kuwana chikwereti chemba panguva yekurambana kunokwanisika, asi kunoda kugadzirira kwakakwana. Mabhangi anoda chokwadi nezvemamiriro ako emari mushure mekurambana.
Matanho ekunyorera chikwereti chemba:
- Ongorora mamiriro ako emari - Ronga mari yako, zvikwereti, mari yedzimba uye chero zvisungo zvekugadzirisa
- Wana chibvumirano chekurambana (chekunyora) - Izvi zvinosanganisira zvibvumirano pamusoro peimba yakabatana, kugoverwa kwemari yakawandisa kana chikwereti chasara, uye mari yerubatsiro
- Wana kujekeswa kweimba yekare – Bhangi rinoda kuziva kana muri kutengesa imba yemuchato kana kuti mumwe wenyu acharamba achigara imomo here?
- Kumbira kutanga kubvunzana nemupi wezano wezvechikwereti - Verenga kugona kwako kukuru kwekukwereta uine uye usina alimony
Zvinyorwa zvinodiwa:
- Chibvumirano chekurambana chakasainwa kana kunyorwa
- Zvibvumirano pamusoro pekugoverwa kweimba iri kushandiswa nemuridzi wayo parizvino
- Humbowo hwemari inowanikwa uye chero rubatsiro rwemari yekubatsira
- Pfupiso yemitengo yemba iripo nezvimwe zvisungo
Chibvumirano chekurambana chakakosha. Pasina zvibvumirano zvakanaka nezveimba yekare nemari yerubatsiro, mukweretesi wemba haazombopi mari yekubvumidza. Bhangi rinoda kufunga nezvemari yese inoshandiswa mune ramangwana.
Kuenzanisa migumisiro yemari
| Mamiriro ezvinhu | Chinzvimbo chemuridzi | Mutoro wechikwereti chemba | Mhedzisiro yeamony |
| Kutenga usati warambana chikumbiro | Joint (50/50) | Vaviri vari vaviri vane mutoro | Mari yedzimba inoverengwa kune ese ari maviri |
| Chikumbiro chekutenga mushure mekurambana | Zvakavanzika zvachose | Mutengi chete ndiye ane mutoro | Mari itsva dzedzimba dzinokanganisa kugona kwemutengi mune zvemari |
| Nemvumo yemudiwa | Zvibvumirano zvakajeka | Zvichienderana nechibvumirano | Kuverenga kunofungidzirwa |
| Pasina mvumo (usati wakumbira) | Pamwe chete pasinei nekupikiswa | Mutoro wepamwe chete | Inogona kukonzera kusawirirana |
Kududzira: Nzvimbo yakanakisisa yekutanga ndeyekutenga mushure mekutumira chikumbiro, nechibvumirano chakasainwa chine hurongwa hwakajeka nezveimba yako, rutsigiro rwemurume nemukadzi uye kugovaniswa kwemidziyo. Izvi zvinopa chikwereti chemba chokwadi uye zvinodzivirira mumwe wako kuti asave muridzi wemba asingatarisirwi.
Kusarudza nguva yekutenga imba kunewo mhedzisiro yemitero. Chirongwa chekuwedzera chechikwereti chinoreva kuti unofanira kupa mari kubva paimba yekare kuenda kuimba itsva kuti uchengetedze rubatsiro rwemari yese yechikwereti chemba. Kana paine chikamu chakaoma, izvi zvinogona kuoma kuverenga.
Zvinetso zvakajairika uye mhinduro
Maitiro anoratidza kuti kutenga imba panguva yekurambana hakuwanzoitiki zvakanaka. Aya ndiwo matambudziko anowanzoitika.
Aimbova mudiwa wake anoramba mvumo
Dzimwe nguva mudiwa ari kuenda kana mudiwa asara anoramba kushanda pamwe chete nechikwereti chemba, kungave nekuda kwekusada kana kuti kuwana mukana wekuwana mari.
Solution: Unogona kunyorera kudare mvumo yekutsiva mvumo yemumwe wako. Mutongi achaongorora zvido zvinobatanidzwa: kutenga kwacho kwakakodzera here? Unoda imba yacho seimba (semuenzaniso yevana) here? Mumwe wako ari kutora njodzi isina musoro here?
Kana paine chikonzero chakanaka chekutenga imba uye chikonzero chemari chakajeka, dare rinowanzo bvumidza mvumo yacho. Zvisinei, izvi zvinotora nguva uye zvinosanganisira mari yematare.
Mukweretesi wechikwereti anoisa zvimwe zvinodiwa
Mabhangi akaomarara. Pasina chibvumirano chekurambana chekupedzisira kana kana pasina kusava nechokwadi nezveimba yekare, mari inogona kuvharirwa.
Solutions:
- Ita zvibvumirano zvakajeka newaimbova mudiwa wako nezveimba yekurara pamwe chete nekukurumidza sezvinobvira
- Taura zvakajeka muchibvumirano chekuti vaviri ava vanopana mvumo yekutenga imwe imba.
- Funga nezvekurenda kwenguva pfupi kana nyaya yacho ikatora nguva yakareba
- Bvunza mukweretesi wemba kuti ndedzipi dzimwe mari dzavanogamuchira (semuenzaniso, mari yekuwedzera yemunhu, garandi, kana mari shoma yechikwereti).
Mamwe mabhangi anoshandisa 'chibvumirano chenguva pfupi' zvichienderana nemamiriro ezvinhu, icho chinova chekupedzisira kana chibvumirano chasainwa.
Mhedzisiro pamari yekugadzirisa nekubhadhara dzimba
Mortgage itsva inokanganisa kugona kwako kubhadhara mari yekutsigira wawakaroorana naye. Dare rinoongorora mari yedzimba yakakodzera; mari yakakwira zvikuru nekuda kwekutenga imba nepfungwa huru hairatidzwe zvizere.
Nzira:
- Tenga imba ine mari yedzimba inoenderana nemari yaunowana
- Verengai kuti zvinhu zvichafamba sei pakugadzirisa zvinhu pachine nguva uchishandisa mitemo yeTrema
- Funga nezvemitengo miviri kana imba yekare isati yatengeswa
- Bvunzai nyanzvi yezvekurambana nezvenyaya dzemari kuti muwane mari yakakwana here kana kuti kwete
Kusarudza imba itsva inodhura kunogona kuwedzera basa rako rekugadzirisa kana kuderedza nzvimbo yako yekugara. Nyatsoongorora izvi.
Mhedziso uye matanho anotevera
Kutenga imba itsva panguva yekurambana kunotenderwa nemutemo, asi mhedzisiro yacho inoenderana nehurongwa hwepfuma yenyu yemuchato uye, pamusoro pezvose, nguva yekutenga. Kana ukatenga usati waendesa nyaya yekurambana, imba yacho ichaonekwa sepfuma yemubatanidzwa uye waimbova mudiwa wako achava nemugove mairi. Kana ukatenga mushure mekunge chikumbiro chaiswa, imba yacho ndeyako wega. Zvisinei, mvumo inogona kudiwa pakubhadhara chikwereti chemba, chero bedzi kurambana kusati kwapera uye kunyoreswa.
Matanho ekukasika ekutora:
- Tarisa kuti ndeipi mitemo yepfuma yemuchato yawakaroorana nayo - kumbira chibvumirano chako chemuchato kubva kugweta.
- Bvunza gweta kana murevereri nezvekutumira magwaro ekurambana, kuitira kuti usvike pazuva rakakodzera rekutarisa.
- Ita zvibvumirano zvakajeka nezvemba yauri kugara pamwe chete uye nyora izvi muchibvumirano chekurambana
- Ronga musangano nemupi wezano wezvechikwereti kuti uverenge kugona kwako kukwereta chikwereti, kusanganisira mabasa ekugadzirisa
- Kana zvichidikanwa, tumira chikumbiro chemvumo kudare kana waimbova mudiwa wako asiri kushanda pamwe chete.
Nyaya dzine chekuita neizvi dzingangove dzakakosha: chirongwa chekuwedzera chikwereti chemari yakawandisa, kubviswa kwemubereko wembatya mushure mekurambana, uye kuverengwa kwemari yekutsigirana kwevakaroorana.
Mibvunzo inowanzobvunzwa
Ndingatenga imba here kurambana kusati kwapera? Ehe, unogona. Nguva inokosha haisi yekurambana kwekupedzisira, asi zuva rakaiswa chikumbiro chekurambana kudare. Kubva panguva iyoyo zvichienda mberi, nharaunda yepfuma inoparadzwa uye imba itsva, muchokwadi, inenge isiri munharaunda.
Chii chinoitika kana aimbova mudiwa wangu akasabvumira? Haudi mvumo yekutenga pachako mushure mekuputswa kwemubatanidzwa wepfuma. Zvisinei, izvi zvinogona kusiyana nechikwereti chemba. Kana mumwe wako akaramba, unogona kunyorera kudare kuti uwane mvumo. Dare richaongorora kana kutenga kwacho kuri kwakanaka uye kana aimbova mumwe wako ari kusangana nenjodzi isina musoro.
Ko chikwereti chitsva chemba chingakanganisa mari yangu yerubatsiro here? Ehe. Mari yako itsva yekugara ichaverengerwa mukuverenga kugona kwako kubhadhara mari yekutsigira murume/mukadzi. Zvisinei, dare richafunga nezvemari yakakodzera yekugara; imba inodhura zvakanyanya haizobhadhariswi zvizere.
Ndingatamisa mubereko wemba yangu yechikwereti kuenda kune imwe imba here? Kazhinji, kwete. Chikwereti chemba yemuchato chinofanira kubhadharwa kana kutorwa nemunhu anoramba aripo. Unotora chikwereti chitsva pamitengo yazvino. Mamwe mabhangi anopa chikwereti chinochinjika kana uchichinja mari yacho, asi izvi hazvisi tsika yakajairika kana vanhu vakarambana.
Ko kana ndikatenga imba chikumbiro chisati chaendeswa? Zvadaro imba iyi inowira pasi pesangano remhuri uye wawaimbove mudiwa wako anova muridzi wemhuri pamwe chete. Izvi zvinoshandawo kana zita rako riri pagwaro remutemo chete. Imba yacho inofanira kunge iri muchikamu, izvo zvinoita kuti maitiro acho ave akaoma.
