Ex ndi Mortgage: Ndani Ayenera Kusunga Nyumbayo?

Kusudzulana kapena kusudzulana ndizovuta mokwanira popanda ngongole yobwereketsa. Ku Netherlands, eni eni ena ambiri ali ndi mlandu "pamodzi komanso mosiyanasiyana", kutanthauza kuti banki ikhoza kutsata aliyense wa inu kuti alipire mokwanira mpaka wobwereketsa atatulutsa dzina limodzi. Kutuluka sikuthetsa udindo umenewo, ndipo zisankho zomwe mupanga pano zidzakhudza ngongole yanu, misonkho, ndi kuthekera kogulanso. Ngati ana akukhudzidwa, kukhazikika ndi nthawi zimawonjezeranso changu china.

Uthenga wabwino: pali njira yomveka yodutsamo. Kaya mnzanu mmodzi amasunga nyumbayo, mumagulitsa, kapena mumakhala eni eni anzanu kwa kanthawi, ndondomekoyi ikutsatira ndondomeko yeniyeni - tsimikizirani momwe nyumba yanu ilili komanso malamulo a malo okwatirana, pezani mtengo, kuwerengera ndalama (owonjezera) kapena kuchepa (restschuld), gwirizanani pa kugula mwachilungamo, chivomerezo cha wobwereketsa kuti musamasule zotulukapo zogawanika, kuchotsera msonkho, ndi kuchotsera msonkho wina. kuchotsera, bijleenregeling, NHG). Mapangano olembedwa ndi ndondomeko yoyenera amachepetsa chiopsezo ndi mtengo.

Bukuli limakuyendetsani pang'onopang'ono pazosankha zanu ndi zomwe muyenera kuchita pansi pa malamulo achi Dutch: umwini ndi udindo, kusankha njira (kugula, kugulitsa, kapena umwini wosakhalitsa), kuwerengera ziwerengero, zogula ndi zobwereketsa, zochita za notary, misonkho, kuyang'anira nthawi yomwe ili pakati, choti muchite ngati mgwirizano ukugwa, kuwononga ndalama, ma equity, nthawi, zikalata, NHG. nthawi yofuna thandizo lalamulo. Tiyeni tiyambe.

Khwerero 1. Tsimikizirani momwe nyumba yanu ilili komanso malamulo a katundu wamabanja omwe akugwiritsidwa ntchito

Mu funso lakale komanso la ngongole ya nyumba—ndani ayenera kusunga nyumbayo—tsimikizani amene ali pa chikalata cha umwini wa nyumbayo ndi dongosolo la katundu wa ukwati lomwe likugwira ntchito. Okwatirana kapena olembetsa pambuyo pa 1 Januware 2018 amagwera pansi pa mgwirizano wochepa wa katundu pokhapokha ngati mgwirizano wa ukwati ukunena zosiyana; maukwati oyambirira kapena akunja angasiyane. Ngati munakwatirana kunja, lamulo la ukwati la ku Netherlands silingagwire ntchito—funsani notary wa malamulo aboma kuti akhazikitse dongosolo lolamulira.

Gawo 2. Lembani ndalama zanu zanyumba, inshuwaransi, ndi mangawa (zogwirizana ndi mangawa angapo, NHG)

Musanasankhe kuti ndani azisamalira nyumbayo, ganizirani bwinobwino udindo wanu. Ku Netherlands, obwereketsa ogwirizana ali ndi udindo "pamodzi ndi mosiyanasiyana" mpaka wobwereketsa atatulutsa dzina limodzi. Sonkhanitsani deta yolimba tsopano kuti zokambirana ndi zobwereketsa zikhazikike pazowona, osati kungongoganizira chabe.

• Zoyambira zanyumba: Ndalama zomwe zilipo panopa, chiwongoladzanja, tsiku lomalizira lokhazikika, ndi mayina omwe ali pa chikalata chobwereketsa nyumba/ngongole.
• Wobwereketsa: Zomwe banki yanu ikufuna kuti itulutse zakale (zoyesa ndalama, zikalata, nthawi); funsani chiganizo chamakono ndi mawu oyambirira.
• NHG onani: Tsimikizirani ngati ngongoleyo ili ndi National Mortgage Guarantee; pamikhalidwe ina NHG ikhoza kukhululukira ngongole yotsalira pambuyo pogulitsa.
• Ma inshuwaransi olumikizidwa: Unikaninso ndikusintha inshuwaransi yanthawi yayitali yolumikizidwa ku ngongole yanyumba (opindula, umwini, kuperekedwa) kuti igwirizane ndi zomwe zachitika.

Gawo 3. Sankhani njira yanu: kugula, kugulitsa, kapena kukhala eni eni ake kwakanthawi

Muli ndi mfundo zomwe zili m'manja, sankhani momwe mungayankhire funso lachiwongoladzanja - ndani amene angasunge nyumbayo - mwa kulinganiza zosowa za nyumba, chilungamo, ndi zenizeni za obwereketsa. Muzochita zachi Dutch, njira zitatu zimaphimba pafupifupi vuto lililonse. Khalani okoma mtima: mpaka kulanda kapena kugulitsa kutha, nonse mudzakhala ndi mlandu wogwirizana, mosasamala kanthu kuti amakhala ndani.

• Kugula/kutenga: Mnzanu m'modzi ndiye amasunga nyumbayo. Banki imayesa kuti nyumbayo ingakwanitse kugulitsidwa ndipo, ngati yavomerezedwa, imamasula winayo ku udindo kudzera mu chikalata chovomerezeka cha kugawa nyumba. Kugula nyumba nthawi zambiri kumadalira gawo la equity la mnzanu aliyense (overwaarde). Yembekezerani mtengo, notary, mlangizi, ndi ndalama zoyang'anira banki; mungafunike kuwonjezera ngongole ya nyumba.

• Gulitsani katundu: Ngongole ya nyumba imabwezedwa kaye; mumagawa phindu kapena ngongole yotsala (restschuld) motsatira mgwirizano wanu. Ndi NHG, ngongole yotsalayo ingakhululukidwe malinga ndi malamulo. Eni ake onse ayenera kuvomereza; gwiritsani ntchito uphungu kapena khoti ngati wina sakugwirizana.

• Ufulu wa kanthawi: Zonse ziwiri zimakhala ndi umwini ndi ngongole. Konzani mapangano omveka bwino okhudza kukhala ndi nyumba, malipiro, nthawi, ndi zoyambitsa kutuluka. Izi ndizoopsa, nthawi zambiri zimalepheretsa njira zina, ndipo wobwereketsa angakutsateni aliyense wa inu ngati simunalandire ndalama.

Khwerero 4. Pezani mtengo ndi kuwerengera ndalama kapena ngongole (owonjezera kapena restschuld)

Mtengo wodzitchinjiriza ndizomwe zimatengera kugula kapena kugulitsa kulikonse. Pakukambilana mutha kuyang'ana mtengo wa WOZ, koma obwereketsa ndi olemba mabuku nthawi zambiri amagwira ntchito ndi kuwunika kwaposachedwa (taxatie). Gwiritsani ntchito chiŵerengerocho motsutsana ndi mawu obwereketsa aposachedwa kuti muwerengere ngati muli ndi ndalama (owonjezera) kapena kupereŵera (restschuld).

• Onjezani kuyesa: perekani msonkho waposachedwa; gwiritsani ntchito WOZ pazokambirana zoyambira.
• Pezani chiwerengero cha malipiro: Funsani ndalama zomwe zabweza ku banki yanu; nonse mudzakhala olakwa kufikira mutamasulidwa.
• Pangani manambala:
  • equity (overwaarde) = appraised value – outstanding mortgage
  • shortfall (restschuld) = outstanding mortgage – (sale price or appraised value for buyout)
• Zolakwika: Gwirizanani momwe mungagawire restchuld iliyonse; ndi NHG, ngongole yotsalira ikhoza kukhululukidwa mutagulitsa ngati zinthu zakwaniritsidwa.
• Lembani: Sungani kuwerengera ndi kuwerengera kwa mgwirizano wanu wokhazikika ndi fayilo ya notary.

Khwerero 5. Pezani ndalama zogulira ndi kubweza

Apa ndipamene "woyamba ndi wobwereketsa: ndani angasunge nyumbayo?" imakhala nambala ndi ndondomeko. M'machitidwe achi Dutch, ngati m'modzi asunga nyumbayo, amagula gawo la mnzake (overwaarde); pamene pali kuchepa (restschuld), mumavomereza momwe mungagawire. Lembani nthawi iliyonse kuti mupewe mikangano ina.

• Kuwerengera koyambira: buyout = ex’s share × equity (overwaarde) (nthawi zambiri 50/50 pokhapokha mgwirizano waubwenzi/ubwenzi/kukhalira limodzi umanena mosiyana).
• Zolakwika: Gwirizanani momwe mungagawire chilichonse restschuld; ndi NHG, ngongole yotsalira ikhoza kukhululukidwa mutagulitsa pansi pamikhalidwe.
• Ndalama ndi Nthawi: Lipirani zomwe mwagula ndi ndalama kapena kudzera pangongole yowonjezereka; perekani kwa notary pa deed of division ndikulumikizani malipiro ndi wobwereketsa kuti amasule mnzake yemwe wachoka.
• Ndani amalipira chiyani: Perekani kuwerengera, woyang'anira banki, mlangizi, ndi ndalama za notary; khazikitsani tsiku lokhalamo/makiyi ndikusintha inshuwaransi iliyonse yolumikizidwa yamoyo.

Khwerero 6. Yang'anani kukwanitsa ndi kuvomereza kwa wobwereketsa kuti musamutse kapena ngongole yatsopano

Munthu asanasunge nyumbayo, wobwereketsa wanu ayenera kuvomereza kusamutsa ngongole ya nyumbayo ku dzina limodzi kapena kupereka ngongole yatsopano. Ndemanga iyi ikuwonetsa fomu yatsopano yofunsira ngongole ya nyumba , ndipo ndalama zomwe mungalandire mukatha kulekana nthawi zambiri zimachepetsa mphamvu yanu yobwereka. Mpaka banki itatulutsa mwalamulo mnzanu wochoka, nonse mudzakhala ndi udindo wogwirizana komanso wosiyana. Ngati ndalama zomwe mungathe kuzigula sizikwanira, mutha kuwonjezera mnzanu watsopano ku chikalatacho - dziwani kuti mudzakhala ndi udindo wogwirizana.

• Zomwe obwereketsa amawunika: Ngongole ndi ndalama zotengera ngongole yonse yokha.
• Zolemba zazikulu: Mgwirizano wachisudzulo/kupatukana, chilengezo cha owalemba ntchito, chikalata chaposachedwa chapachaka, ndi sitetimenti yamakono yobwereketsa nyumba.
• Kuyeza: Kuyesa kwaposachedwa (msonkho) ku umboni wa mtengo wamsika ndi chilungamo.
• Udindo wa NHG: Ngati kuli kotheka, tsimikizirani zikhalidwe; zingakhale zofunikira pazochitika zochepa.
• Zotsatira zotheka: Kuvomerezedwa ndi kutulutsidwa kudzera pa notarial deed of division-kapena kukana, kugulitsa kapena kukhala eni ake osakhalitsa ndi mawu omveka bwino.

Gawo 7. Lembani mapangano (chisudzulo kapena pangano lolekanitsa)

Lembani mgwirizano uliwonse papepala. Obwereketsa ndi odziwitsa amadalira pangano la chisudzulo kapena mgwirizano wopatukana womwe wasainidwa poyesa kutenga ndi kumasula ngongole ya nyumba. Kulemba izi kumakwaniritsa zomwe mukuyembekezera, kumapatsa banki yanu maziko omveka bwino, komanso kumathandiza kupewa mikangano yokwera mtengo pambuyo pake.

• Zotsatira zake: amene amasunga nyumba kapena kugulitsa.
• Malamulo: kugula / kugulitsa mowonjezera kapena kugawanika; tsiku lolipira; amene amapereka ngongole / inshuwaransi / zothandizira / kusamalira; kukhalamo/makiyi; mtengo (kuwerengera, notary); chiganizo chokhazikika / chokhazikika chokhala ndi nthawi yomaliza.

Khwerero 8. Kusamutsa umwini: kuchotsera mangawa olowa nawo limodzi ndi chikalata chogawikana kwa notary

Wobwereketsa wanu akavomera kumasula dzina limodzi, kusamutsako kumachitika kwa notary. Mlembiyo amalemba chikalata chogawanitsa ndipo, ngati pakufunika, chikalata chatsopano kapena chosinthidwa. Kusaina zikalatazi onse omwe amapeza nyumbayo, ndipo, makamaka, kukonza kuchotsedwa kwa ngongole zophatikizira ndi zingapo pokonzanso kalembera wa ngongole yanyumba.

• Zofunikira: Chivomerezo cha wobwereketsa ndi pangano lanu lachisudzulo/kupatukana ndi kugula ndi kugawanika kwa mtengo.
• Kusaina: Ntchito yogawa; kuphatikiza chikalata chobwereketsa chatsopano/chiwonjezeko ngati mupereka ndalama zogulira. Wothandizana naye watsopano amasaina ndipo amakhala ndi mlandu wogwirizana.
• Kuthetsa: Mlembiyo amathetsa kugula ndi kuvomereza ndalama zomwe amavomereza pomaliza.
• Zotsatira: Pambuyo pa notarization ndi kumasulidwa kwa wobwereketsa, mnzake wochokayo wachotsedwa ngongole; wotsalayo ndi amene ali ndi udindo kuyambira tsiku limenelo.

Khwerero 9. Sungani misonkho ndi zopindulitsa (kuchotsera chiwongoladzanja, bijleenregeling, ngongole yotsalira)

Misonkho imatha kusinthira yankho ku "ex and the mortgage: ndani angasunge nyumba?" m'malo mwanu - kapena ayi. Konzekerani msanga kuti kugula, kugulitsa, kapena kutengako sikukuwonongereni chiwongola dzanja chanu kapena kukusiyirani zodabwitsa mukagulanso.

• Kuchotsera chiwongola dzanja cha ngongole ya nyumba (eigenwoning): Kumagwira ntchito pa ngongole yanu yogula nyumba. Ngongole iyi ndi yaumwini ndipo singathe kusamutsidwa; gawo lililonse "latsopano" pambuyo pa kutenga nyumba liyenera kukhala la annuity/linear kuti lisunge kuchotsera (malamulo a pambuyo pa 2013).

• Kugulitsa (pogwiritsa ntchito equity): Ngati mugulitsa ndi overwaarde kenako nkugula pambuyo pake, kulephera kuyikanso equity imeneyo kungachepetse kuchotsedwa kwa chiwongola dzanja mtsogolo. Lembani equity ndi zomwe mnzanu aliyense amalandira.

• Ngongole yotsala (zotsala): Ngati ndalama zomwe mwapeza sizikuphimba ngongoleyo, muli ndi udindo wogwirizana. Ndi NHG, ndalama zotsalazo zitha kukhululukidwa malinga ndi malamulo; apo ayi, kambiranani za momwe misonkho imaperekedwera komanso kubweza ngongoleyo ndi mlangizi wazachuma.

• Sungani umboni: Sungani mtengo wowerengera ndalama, mawu obwereketsa, ndi mgwirizano wosainidwa; mudzazifuna pa fomu yanu yobweza msonkho komanso kutsimikizira zopempha zochotsera chiwongola dzanja.

Khwerero 10. Sinthani pakati pa nthawi (malipiro, kukhala, ndi kuopsa)

Mpaka pamene wobwereketsayo atasiyanitsa ndipo notary alemba chikalata chogawanitsa, nonse mungakhale ndi mlandu wonse. Chitani pakanthawi kochepa ngati projekiti: pewani kubweza komwe mwaphonya, pewani mikangano yatsopano, ndipo tetezani zinthu zomwe mukufuna kugulitsa kapena kusamutsa. Ikani malamulo achidule, othandiza papepala ndi kuwatsatira.

• Malipiro: Ndani amalipira ngongole yanyumba, inshuwaransi, misonkho, zofunikira, ndi kukonza - ndi liti.
• Kukhala/makiyi: Ndani amakhala kumeneko, malamulo ofikira, zowonera (ngati akugulitsa), ndi tsiku losamuka lomveka bwino.
• Zosankha: Palibe ndalama zazikulu kapena kusintha kwamitengo (ngati mukugulitsa) popanda chilolezo cholembedwa.
• Kuwongolera zoopsa: Sungani ma inshuwaransi akugwira ntchito, kuwerengera mita / zolakwika, ndikulankhulana polemba kuti muzitsatira mapangano.

Khwerero 11. Ngati mgwirizano walephera, gwiritsani ntchito njira zoyimbirana kapena kukhoti

Kukambilana kukayimitsidwa, chitanipo kanthu musanawononge nonse ndalama zomwe mwaphonya. Yambani ndi mkhalapakati kuti musinthe ziwerengero (kuwerengera, ndalama, zolipira) kukhala mapangano omveka bwino pakugulitsa kapena kugula, kukhalapo, masiku omaliza, ndi dongosolo lobwerera. Ngati izo sizikanika, onjezerani ndi njira zovomerezeka.

• Kuyanjanitsa poyamba: Zofulumira, zotsika mtengo, komanso zimakupangitsani kuti muzilamulira; lembani mapangano onse.
• Chilolezo cha khothi kuti mugulitse: Ngati wakale wanu sakugwirizana nazo, loya akhoza kupempha khoti chilolezo chogulitsa popanda chilolezo chake.
• Tetezani ngongole yanu: Mpaka kulanda kapena kugulitsa kutha, mumakhalabe olakwa; sungani malipiro apano.

Khwerero 12. Zochitika zapadera: NHG, kusalingana, kapena kuwonjezera bwenzi latsopano

Milandu ina yakutsogolo imatha kusankha "wakale ndi kubwereketsa: ndani angasunge nyumbayo?" kuposa china chilichonse. Yang'anani mwachangu ngati NHG ikugwira ntchito, ngati mukukumana ndi zolakwika, komanso ngati mnzanu watsopano alowa nawo kubwereketsa nyumba. Aliyense ali ndi tanthauzo lapadera la wobwereketsa, notary, ndi kubweza - konzani musanakambirane zogula.

• NHG (Nationale Hypotheek Garantie): Tsimikizirani kufalikira. Ngati kugulitsa kumasiya ngongole yotsalira, NHG ikhoza kukhululuka pamikhalidwe; sungani zolipira zaposachedwa mpaka mutamaliza.
• Negative equity (restchuld): Gwirizanani ndi kugawanika kolingana kwa kuperewera. Ngati m'modzi atsalira, lembani momwe wokondedwayo amapezera gawo lake lamtengo wapatali.
• Kuwonjeza bwenzi latsopano: Amasaina limodzi chikalata chobwereketsa nyumba ndipo amakhala ndi udindo wogwirizana. Banki imawunikanso kuthekera; notary amasintha mutu ndi zikalata zanyumba.

Gawo 13. Nthawi, ndalama, ndi zolemba zomwe mudzafune

Yembekezerani njira yothandiza, yokhazikika: kuwerengera mtengo, lingaliro la wobwereketsa, ndi kumaliza kwa notary. Sungani zolipirira nthawi zonse kuti muteteze mafayilo onse angongole. Pazochitika zowongoka, kukonza zonse kumatenga pafupifupi miyezi iwiri; ndalama zovuta, kusalingana kolakwika, kapena kusagwira ntchito kungatalikitse izi.

• Nthawi yodziwika bwino: Kuyesa ndi kuyika fayilo → kuwunika kwa wobwereketsa ndi chisankho chomasula → kusaina kwa notary (chikalata chogawa ndi ngongole yatsopano). Nthawi zambiri chimamalizidwa mu ± miyezi iwiri, koma chimasiyana malinga ndi nkhani.

• Mtengo wamba:

  • Kuwerengera (msonkho)
  • Ndalama zoyendetsera banki (kumasulidwa/kubweza ngongole)
  • Notary (deed of division; chikalata chobwereketsa ngati pakufunika)
  • Malipiro a Advisor (ndalama/ndalama)
  • unsankhula: mkhalapakati/lamulo ngati mgwirizano ukulephera

• Zolemba zazikulu:

  • Chisudzulo/kupatukana mgwirizano ndi magawano a katundu
  • Ndemanga zaposachedwa zanyumba / mfundo
  • Umboni wa ndalama (chidziwitso cha olemba ntchito ndi/kapena chikalata chapachaka)
  • Lipoti laposachedwa (taxatie)
  • Chitsimikizo cha NHG (ngati zingatheke)

Khwerero 14. Nthawi yoti mupeze thandizo lalamulo ku Netherlands

Pezani loya wachi Dutch pamene mgwirizano ukulephereka kapena zovuta zikukwera. Zomwe zimayambitsa: kusagwirizana pa nkhani ya kugula / kubweza kapena restschuld, kukana kugulitsa kapena kusaina zikalata zobwereketsa/zolembera, malamulo ovuta (asanakwatirane, ukwati wakunja), mikangano yokhudza yemwe angakhale mnyumba, NHG/negative-equity, kapena kusalipira mwachangu. Loya atha kupanga ziganizo, kupempha chilolezo cha khothi kuti mugulitse kapena kukhazikitsa masiku omalizira, ndikukutetezani ku ziwopsezo zophatikizika - ndi - zingapo.

Njira zazikulu

Amene amasunga nyumbayo amafika pazitsulo zinayi: umwini wanu / maukwati anu, masamu a equity, kukwanitsa kubwereketsa, ndi mgwirizano. Mpaka banki itatulutsa dzina limodzi, onse amakhalabe ogwirizana komanso mosiyanasiyana. Kutsatira momveka bwino - kuwerengera mtengo, kubweza ngongole, kuvomereza kwa wobwereketsa, notary - kumateteza ngongole yanu ndi msonkho wanu.

• Tsimikizirani chimango chalamulo: Chikalata chaukwati ndi ulamuliro waukwati (ukwati/ubwenzi wolembetsedwa/ukwati usanakwane/ukwati wakunja).
• Kuopsa kwa mapu ndi chivundikiro: Zowona zanyumba, ngongole zolumikizana, inshuwaransi yolumikizidwa, ndi udindo wa NHG.
• Sankhani njira: Kugula, kugulitsa, kapena kukhala umwini kwakanthawi—kutengera kuwunika kwapano ndi overwaarde/restschuld.
• Lembani poyamba: Ikani ziganizo mu mgwirizano wosainidwa; Kenako pezani chivomerezo cha wobwereketsa ndikupereka chikalata chogawikana ndi notary kuti apereke ngongole.
• Misonkho yowonera: Kuchotsera chiwongoladzanja ndi munthu payekha; lingalirani malamulo a bijleenregeling ndi NHG pa ngongole yotsalira.
• Ngati mwakhazikika: Gwiritsani ntchito mkhalapakati kapena khothi; sungani malipiro apano. Nthawi yofananira ndi miyezi iwiri.

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