Hapana muganho unorambidza vatorwa kutenga pfuma muNetherlands: chimiro chekugara uye hugari hwenyika hazvina basa pakodzero yekuwana imba. Chinosiyana kune mutengi wekunze kwenyika zvese zvine chekuita nekutenga - mari, mutauro wemagwaro, uye zvibvumirano zvemuno zvisina kunyorwa mumutemo.
Zvitatu zvezvibvumirano izvozvo zvinosarudza mhedzisiro yakawanda. Chibvumirano chekutenga chinofanira kunge chakanyorwa uye chinopa mutengi wega mazuva matatu ekubvisa mari pasina chikonzero. Chibvumirano chemari hachingoerekana chaitika; kana chisina kunyorwa muchibvumirano, mutengi ane mortgage inokundikana anenge atyora mutemo uye anowanzova nechikwereti chegumi muzana chemutengo. Uye kuchinjisa kunoitika pamberi pegweta remutemo, ane muridzi wechikwereti uye kunyoresa.
Kutanga kutsvaga imba yako muNetherlands semunhu anobva kune dzimwe nyika
Kunzwisisa ruzivo rwevanhu vanobva kune dzimwe nyika
Vazhinji vekunze vanoda Netherlands nekuda kwehupfumi hwayo hwakasimba, mararamiro makuru, uye bhizinesi repasi rose. Zvakadaro, kutenga imba pano-kana ukasadaidza nzvimbo ino kumba-kunogona kukanda zvipingaidzo zvishoma. Misiyano yemitauro, matanho emutemo asina kujairika, uye musika unofamba nekukurumidza, kunyanya munzvimbo dzinopisa senge Amsterdam, Utrecht, uye Eindhoven, zvinogona kukusiya usina chokwadi. Kuziva kuti ndeapi matambudziko aungatarisire anogona kukubatsira kuti uenderere mberi nawo chivimbo uye kujeka uye dzivisa zvipingaidzo zvisingakoshi.
Kuwana ruzivo nezvenyaya dzemutemo
Mutemo weDutch unogona kukudzivirira paunotenga imba, asi unofanira kuziva mashandisiro emitemo iyi kuti zvikubatsire. MuNetherlands, notary, anozivikanwa se notaris , anofanira kutarisira kutengesa kwese kuti zvinhu zvese zvigare zvakanaka uye zvakachengeteka. Uchasanganawo nemashoko akadai se koopakte uye erfpacht , ayo angave matsva kana uchitenga kubva kunze kwenyika. Kudzidza ruzivo urwu usati watanga rwendo rwako rwekutenga imba kunogona kukubatsira kuchengetedza nguva, mari, uye kushushikana gare gare.
Zvinhu zvepamutemo zvinofanirwa kuzivikanwa kune vanobva kune dzimwe nyika
Kuchinja kwaunoita kugara kwako mudzimba (residence residence) pakutenga kwako
Kuve kwako pamutemo muNetherlands kunogona kuchinja kuti zviri nyore sei kutenga imba. Hapana mitemo inorambidza vagari vasiri vekuDutch kutenga imba, asi mvumo yako kana vhiza zvinogona kukanganisa sarudzo dzemortgage uye ruzivo rwemitero. Vagari vemuEU vanowanzova nenguva iri nyore, nepo avo vanobva kunze kweEU vangangoda kuratidza humbowo hwekuwedzera kugadzikana kwemari uye kuzvipira kugara. Kana uri pamvumo yenguva pfupi, mabhangi anogona kukumbira humbowo hwakasimba hwekuti basa rako rakachengeteka kana kuwedzera mimwe mitemo. Ndosaka kuziva kodzero dzako dzepamutemo dzepasi rose kuchikosha zvikuru. Tinokubatsira kuunganidza magwaro akakodzera kuti usimbise nyaya yako nevanopa mortgage uye kuzadzisa mitemo yese yekugara.
Kuburitsa pachena Mutemo wezvivakwa weDutch
Dutch mutemo wepfuma inoshanda zvakasiyana nezviri munzvimbo dzakadai seUK kana US sezvo ichitevedzera hurongwa hwemitemo yehurumende. Chikamu chikuru chemaitiro aya kubatanidzwa kwegweta, kana Gweta, uyo anonyatso tarisa kuti mabhokisi ese emutemo akatekwa uye anogadzirira gwaro rekutamisa, rinozivikanwa se leveringsakte. Iwe unozodawo kuziva mutsauko uripo pakati pekuva nemidziyo yemahara, uko iwe uri wako zvese chivakwa nevhu (eigen grond), uye leasehold pfuma, inonzi erfpacht, inowanikwa mumaguta akaita se. Amsterdam. Nekurenda, ndiwe muridzi wechivako asi unofanira kubhadhara rendi yepasi kumuridzi wemba. Kuva akajeka pamusoro peizvi zvinhu usati wasaina chero chinhu kunogona kukubatsira kuti usiyane nezvinoshamisa gare gare.
Basa rinoita sei pakutenga imba yako
Kukosha kwebasa rakagadzikana
Basa rakagadzikana rinoita mutsauko mukuru kana uchinyorera chikwereti chemba. Mabhangi pano anoda kuona kuti une mari inogara iripo, uye basa rekugara kwenguva refu, rinozivikanwa sekondirakiti yakakura , rinowanzova humbowo hwakanakisa hwekuchengetedzeka. Kune vanotama, mamiriro ako ebasa haangokanganisi mikana yako yechikwereti chemba chete asiwo anogona kukanganisa kugara kwako uye kugadzikana kwemari. Kubatana uku pakati pemabasa nekutenga imba zvinoreva kuti nguva dzose ipfungwa yakanaka kuratidza nhoroondo yebasa rakasimba.
Kuita kuti nhoroondo yako yebasa ipenye
Mazhinji mabhangi anokumbira ingangoita mwedzi mitanhatu yenhoroondo yebasa muNetherlands, kunyangwe vamwe vanokweretesa vachipa mazwi akakosha ekunze. Kunyangwe uine kondirakiti yenguva pfupi, iwe unogona kunge uchikodzera kuwana imba yemba kana uchikwanisa kuratidza kuvandudzwa kwekondirakiti kana kushanda mumunda uri kudiwa zvakanyanya. Chikwata chedu pa Law & More iri pano kuti ikubatsire gadzirisa matambudziko ane chekuita nebasa aya nokupa mazano anoshanda ekuti ungaratidza sei nhoroondo yako yebasa nenzira yakanakisisa inobvira kuvakweretesi.
Kuputsa zvibvumirano zvebasa
Rudzi rwechibvumirano chebasa chaunacho rune basa guru musarudzo dzako dzechikwereti chemba. Chibvumirano chechigarire, kana kuti chibvumirano chakakura , chinokupa hwaro hwakasimba uye chinogona kukubvumidza kukwereta mari inosvika kana kana kashanu yaunowana pagore. Kusiyana neizvi, chibvumirano chechinguvana chingareva kuti mabhangi anongoverenga chikamu chemari yako kana kukumbira kuchengetedzeka kwakawedzerwa. Kune vanozvimiririra kana mabhizinesi, vanokweretesa vanowanzoda makore matatu ezvinyorwa zvemari, kunyangwe paine zvigadzirwa zvemba kana nhoroondo yebhizinesi rako iri pfupi. Vazhinji vanoshandira makambani epasi rose vanofanirwawo kufunga nezvemari inowanikwa mumari yekune dzimwe nyika kana mamwe mapakeji ekubhadhara epasi rose. Kunzwisisa mashandiro anoita zvinhu izvi nemutemo webasa weDutch kunogona kuwedzera mikana yako yekuwana chibvumirano chakanaka chemba, uye nyanzvi dzedu dzemutemo dziripo kuti dzikubatsire kuita kuti mapepa ako apenye.
Chikwama chako nemitero: zvaunotarisira
Sarudzo dzezvikwereti zvemba dzinoshanda kune vanobva kune dzimwe nyika
Nzvimbo yechikwereti chemba yeDutch inopa sarudzo dzinogona kukodzera zvaunoda kana uri munhu anobva kune imwe nyika. Ungasangana nechikwereti chemba ye annuity, linear, kana che interest-only, chimwe nechimwe chine mhedzisiro yakasiyana pamari yaunobhadhara pamwedzi, mubereko wese, uye mitero. Zvibvumirano zvemba yemba yekunze zvinogona kukubvumira kukwereta zvakawanda, kuverenga mari inowanikwa kunze kwenyika, uye kutopa masevhisi muChirungu. Dzimwe nguva zvigadzirwa izvi zvine mubereko wekuwedzera kana muripo. Zvikwereti zvakawanda pano zvinokutendera kukwereta kusvika pamutengo weimba, kusanganisira mari yekuwedzera, iyo inobatsira zvikuru kana usina account hombe yekuchengetedza muNetherlands. Mabhangi anofunga nezvemari yako, zvikwereti, uye nhoroondo yechikwereti paunonyorera, saka kugara uine ruzivo nezve shanduko dzemba yemba muNetherlands kwakachenjera.
Zvaunotarisira nemitero nezvimwe zvinobhadhariswa
Yeuka kuti kutenga imba kunosanganisira zvinopfuura kungobhadhara mutengo wekugara pamba. Kune mari yekuwedzera yakadai semutero wekutamisa imba, mutero wepagore wepfuma zvichienderana nemutengo weimba, mari yehurumende yemvura inobhadharisa masisitimu emvura emunharaunda, uye mari yemumiriri wemutemo inogona kubhadharwa pakati pe€1,000 ne€2,000. Mubereko wemba yako huru unowanzo bvisirwa mutero , izvo zvinogona kubatsira zvikuru kunyangwe kuderedzwa kuri kuderedzwa zvishoma nezvishoma. Unofanirwawo kuzivisa kukosha kwerendi yedzidziso pafomu yako yemutero. Kana uchizodzokera kunyika yako gare gare, zvakakosha kuti unzwisise kuti kuva nepfuma pano kunogona kukanganisa sei mitero yako munzvimbo dzakasiyana. Vapi vezano vedu vezvemitemo vakagadzirira kukubatsira kugadzirisa matambudziko aya akaomarara.
Maitiro ekuwana imba iyoyo yeDutch
Kuwana imba yakakodzera
Kutsvaga imba muNetherlands kunogona kukurumidza uye kukwikwidzana. Vanhu vazhinji vanobva kune dzimwe nyika vanoona kuti kubatana nemumiriri wemutengi, kana kuti aankoopmakelaar , kunoita mutsauko mukuru. Nyanzvi idzi dzinoziva musika wemuno zvakanaka, dzinogona kutaurirana panzvimbo yako, uye dzinokubatsira kudzivirira zvikanganiso zvinodhura. Paunotarisa dzimba, ramba uchitarisa ruzivo rwakaita se energielabel yeimba , iyo inokanganisa mabhiri ako emagetsi uye inogona kutungamira kumitengo yeramangwana kana zvichidikanwa kugadzirisa. Unofanirawo kunzwisisa mitemo yenzvimbo yemunharaunda kana uchironga kuita shanduko kana kuita bhizinesi remba. Kana uri kutenga imba, tora nguva yekuongorora kuti sangano revaridzi vedzimba ( VvE ) rinotungamira sei imba uye rinobata sei mari dzinoshandiswa pamwe chete.
Matanho ekusimbisa chibvumirano
Mushure mekunge mawana imba yaunoda, maitiro epamutemo anotanga. MuNetherlands, hapana chinoguma kusvika masaina chibvumirano chekutenga, chinozivikanwa sekoopovereenkomst . Gwaro iri rinotanga maitiro epamutemo uye rinosanganisira nguva yemazuva matatu yekudzikamisa pfungwa dzenyu pamunogona kuchinja pfungwa dzenyu pasina muripo. Zvizhinji zvezvibvumirano izvi zvinewo zvikamu zvinokubvumidzai kukanzura kana musingakwanise kuwana mortgage kana kana ongororo ikawana matambudziko makuru, asi mitemo iyi inowanzova nenguva yekupedzisira yemavhiki mana kusvika matanhatu. Danho rekupedzisira rinoitika kuhofisi yenotari, uko notaris anovimbisa kuti zvese zvinodiwa zvinozadzikiswa, anonyora zviri pamutemo kuchinjisa neKadaster, uye anotarisira escrow kuitira kuti muripo uitwe chete kana muine muridzi wakazara.
Kuunganidza zvese pamwe chete: imba yako itsva yeDutch yakakumirira
Kutenga imba muNetherlands kungangoita semharadzano yemitemo yepamutemo, nyaya dzemari, uye matanho anoshanda. Nekudaro, nekunyatsogadzirira uye nerubatsiro rudiki rwenyanzvi, unogona kushandura maitiro kuita chiitiko chinonakidza uye chine mubairo. Kuziva kuti mutemo wezvivako, chimiro chebasa rako, uye mitero zvinoshanda pamwe chete sei zvinokupa hwaro hwakasimba hwokuita zvisarudzo zvakakunakira.
At Law & More B.V., takabatsira vazhinji vekunze kushandura kurota kwekuve neimba yeDutch kuti ive chokwadi. Isu tinochengeta zvese zvese, kubva pakutarisa kugara kwako wakamira kusvika pakubata kusaina kwechiito chekupedzisira, tichiona kuti kutungamira kwedu nyanzvi inochengetedza zvaunofarira nhanho dzese dzenzira.
Wagadzirira kuenderera mberi nekutsvaga kwako kwechiDutch kumba? Bata nechikwata chedu chezvemitemo chine hushamwari at Law & More B.V. nhasi kune mazano anokodzera mamiriro ako zvakakwana. Mahofisi edu mukati Eindhoven uye Amsterdam vari pano kukubatsira nhanho imwe neimwe yenzira nayo tsigiro yemutemo inoshanda uye yakajeka.
