Kuchoka pa kugula nyumba ku Dutch: ndi liti pamene zingatheke

Kugula malo ku Netherlands kumafuna mapangano akuluakulu azamalamulo. Mungadzifunse ngati mungathe kubwerera m'mbuyo mutapereka kapena kusaina pangano.

Malinga ndi lamulo la ku Netherlands, ogula payekha ali ndi nthawi yopuma ya masiku atatu kuti achotsedwe pa kugula malo popanda mavuto azachuma kapena kufunikira kupereka chifukwa. Chitetezochi chimagwira ntchito makamaka kwa ogula omwe akugula malo okhala, osati kwa ogula akatswiri kapena osunga ndalama.

Pambuyo pa nthawi yoziziritsa iyi, zosankha zanu zimakhala zochepa ndipo zimadalira zochitika zinazake. Muthabe kubweza ndalama zanu kutengera zomwe zili mu mgwirizano monga zigawo zandalama kapena zotsatira za kafukufuku wa kapangidwe kake.

Nthawi zina, zolakwika zobisika kapena kulephera kwa wogulitsa kukwaniritsa zomwe akufuna kungakupatseni zifukwa zomveka zothetsa mgwirizano.

Kumvetsetsa njira yogulira nyumba ku Dutch

Njira yogulira nyumba ku Netherlands imatsatira dongosolo lalamulo lomwe limadutsa magawo osiyanasiyana, kuyambira kuwona nyumba mpaka kulembetsa komaliza. Gawo lililonse limaphatikizapo zofunikira zalamulo ndi akatswiri omwe amaonetsetsa kuti malondawa akukwaniritsa miyezo ya malamulo a nyumba ku Netherlands.

Gawo lofunika kwambiri pakugula malo ku Netherlands

Njirayi imayamba mukapeza munthu wothandizana ndi makelaar (wothandizira malo) kuti akuthandizeni kupeza malo oyenera ku Netherlands. Nthawi zambiri mumagwira ntchito ndi makelaar m'modzi panthawi yonse yofufuza kwanu, mosiyana ndi mayiko ena komwe othandizira angapo angakhale nawo.

Mukapeza malo, mumapereka chopereka kudzera mu malo anu. Wothandizira amakambirana ndi wogulitsa m'malo mwanu kuti agwirizane pa mtengo ndi zikhalidwe.

Mgwirizanowu wa pakamwa siwokakamiza mwalamulo, zomwe zimakupatsani kusinthasintha pang'ono pachiyambi ichi. Mukamaliza mgwirizano wa pakamwa, wogulitsayo amakonzekera mgwirizano woyambirira wogula.

Nthawi zambiri mumakhala ndi masiku angapo kuti muwunikenso chikalatachi musanasainire. Pamene onse awiri asayina pangano logula, malondawo amakhala ogwirizana ndi malamulo popanda zinthu zambiri.

Pambuyo pa mgwirizano wosainidwa, mumakonza ngongole ya nyumba, mumachita kafukufuku wa katundu ngati pakufunika, ndikukonzekera kusamutsa komaliza. Notary ndiye amasamalira kutsiriza kugulitsa katunduyo ndikulembetsa katunduyo m'dzina lanu ndi Kadaster.

Udindo wa mgwirizano wogula

Pangano logula ndilo chikalata chofunikira kwambiri pa malonda a katundu ku Netherlands. Inu ndi wogulitsayo mukasaina panganoli, nthawi yomweyo limakhala lovomerezeka mwalamulo motsatira lamulo la malo ku Netherlands.

Simungasinthe maganizo anu pambuyo pake popanda kukumana ndi mavuto aakulu azachuma. Panganoli lili ndi mfundo zonse zogulitsira, kuphatikizapo mtengo wogulira, ndalama zomwe mwasungitsa, tsiku lomaliza, ndi zina zilizonse zapadera.

Zigawo zokhazikika nthawi zambiri zimakhala ndi chigwirizano cha ndalama chomwe chimakutetezani ngati simungathe kupeza ngongole ya nyumba. Zimene muyenera kupereka zimachokera ku mawu a chiganizocho; zitsanzo zokhazikika zimafuna apilo yolembedwa bwino, yomwe kwenikweni imatanthauza kukana kamodzi kapena zingapo kuchokera kwa wobwereketsa.

Panganoli lilinso ndi nthawi yokhazikika ya masiku atatu yokhazikika ya nyumba yokhalamo. M'masiku atatu amenewo wogula payekha akhoza kusiya popanda kupereka chifukwa.

Nthawiyi imayamba tsiku lomwe wogula alandira pangano logula lomwe lasainidwa ndi onse awiri, osati tsiku lomwe adasaina.

Kufunika kwalamulo kwa notary ndi Kadaster

Notary amagwira ntchito ngati katswiri wa zamalamulo wopanda tsankho amene amaonetsetsa kuti kusamutsa katundu kukutsatira malamulo a katundu aku Dutch . Simungathe kumaliza kugula katundu ku Netherlands popanda notary kutenga nawo mbali.

Notary amafufuza ngati wogulitsayo ndiye mwini wake wa katunduyo, amatsimikiza kuti palibe ngongole zobisika kapena zopempha zotsutsana naye, ndikuonetsetsa kuti zofunikira zonse zalamulo zakwaniritsidwa. Notary amakonza chikalata chosinthira katundu, chomwe ndi chikalata chovomerezeka chomwe chimasamutsa umwini kuchokera kwa wogulitsayo kupita kwa inu.

Magulu onse awiri amasaina chikalata ichi ku ofesi ya notary, nthawi zambiri milungu ingapo atasaina pangano logula. Kenako notary amalembetsa chikalatacho ku Kadaster.

Kadaster ndi kaundula wa malo ku Netherlands womwe umasunga zolemba zovomerezeka za umwini wonse wa katundu ku Netherlands. Pamene notary alembetsa chikalata chanu chosamutsa katundu, umwini wanu umakhala mbiri ya anthu onse.

Kulembetsa kumeneku kumapereka umboni wovomerezeka kuti ndinu mwini wa malowo ndipo kumateteza ufulu wanu wa umwini.

Zifukwa zovomerezeka zochotsera ndalama pa kugula nyumba

Lamulo la ku Netherlands limapereka zifukwa zenizeni zomwe ogula angathe kuchotsera mgwirizano wogula katundu mwalamulo. Izi zikuphatikizapo nthawi zokhazikika, zinthu zokhudzana ndi ndalama kapena kuwunika, komanso nthawi zomwe wogulitsa sakwaniritsa zomwe akufuna.

Nthawi yokhazikika yovomerezeka ndi lamulo

Wogula nyumba payekha ali ndi nthawi yokhazikika ya masiku atatu motsatira nkhani 7:2 ya Civil Code. Imayamba tsiku lomwe wogula alandila pangano logula lomwe lasainidwa ndi onse awiri.

M'masiku atatu awa, mutha kuchotsa ndalama zomwe mudagula popanda kupereka chifukwa chilichonse. Nthawi yoziziritsa imagwira ntchito yokha motsatira malamulo aku Dutch.

Simukuyenera kufotokoza chifukwa chake mwasankha kapena kutsimikizira chilichonse. Komabe, muyenera kulemba kalata yochotsera ndalama zanu isanathe masiku atatu.

Masiku atatuwa ndi masiku a kalendala osati masiku ogwira ntchito, koma malamulo awiri amawonjezera nthawiyo. Simatha Loweruka, Lamlungu kapena tchuthi chodziwika bwino, ndipo imawonjezeredwa momwe kungafunikire kotero kuti ikhale ndi masiku osachepera awiri omwe si amenewo.

Ngati mulandira mgwirizano wosainidwa Lachiwiri, nthawiyo imayamba Lachitatu ndipo imatha Lachisanu nthawi ya 23:59. Mulandire Lachinayi ndipo nthawiyo imayamba Lachisanu mpaka Lamlungu, kotero imakulitsidwa mpaka kumapeto kwa Lolemba. Chitetezochi chilipo kuti chikupatseni nthawi yoganiziranso chisankho chanu.

Mungagwiritse ntchito nthawiyi kuti muwunikenso tsatanetsatane wa mgwirizano, kuganiziranso za ndalama zanu, kapena kungosintha maganizo anu.

Zigawo zokhudzana ndi ndalama

Mapangano ambiri ogulira nyumba ku Netherlands amaphatikizapo mgwirizano wopezera ndalama ( financieringsvoorbehoud ). Gawoli limakutetezani ngati simungathe kupeza ngongole ya nyumba.

Muyenera kulembetsa mwachangu kuti mupeze ndalama zothandizira ndikuwonetsa khama lenileni kuti mupeze ndalamazo. Mkhalidwe wa ndalama umatchula nthawi yomaliza yomwe muyenera kukonzekera ngongole yanu ya nyumba.

Izi nthawi zambiri zimakhala milungu inayi kuchokera pamene mudasaina pangano logula nyumba. Ngati pempho lanu la ngongole ya nyumba lakanidwa, mutha kuchoka pa panganolo popanda chilango.

Zofunikira zazikulu pakugwiritsa ntchito chiganizo ichi:

• Pemphani ngongole ya nyumba mkati mwa nthawi yoyenera
• Perekani umboni wosonyeza kuti mwakana kubweza ngongole yanu
• Dziwitsani wogulitsayo nthawi yomaliza isanafike yomwe yatchulidwa mu mgwirizano
• Chitani zinthu mwachikhulupiriro nthawi yonseyi

Simungagwiritse ntchito ndalama zomwe mwapatsidwa ngati mwalephera kulembetsa ngongole ya nyumba kapena mwadala kusokoneza fomu yanu yofunsira. Dutch Civil Code imafuna kuti mbali zonse ziwiri zichite zinthu moyenera komanso mwachilungamo.

Zigawo zokhazikika: kuwunika nyumba ndi zina zambiri

Mapangano ogulira nthawi zambiri amakhala ndi zigawo zina zowonjezera ( ontbindende voorwaarden ). Zigawozi zimalola kuchotsera pansi pazifukwa zinazake.

Mkhalidwe woyendera nyumba ndi umodzi mwa yofala kwambiri. Gawo loyendera nyumba limakupatsani mwayi woti muchoke ngati kuwunika kwa akatswiri kwawonetsa zolakwika zazikulu.

Muyenera kukonza zowunikira mkati mwa nthawi yomwe mwagwirizana, nthawi zambiri mkati mwa milungu iwiri mutasaina. Chigamulochi chiyenera kufotokoza zifukwa zomwe zimapangitsa kuti musiye.

Zigawo zina zodziwika bwino zimaphatikizapo:

• Kugulitsa nyumba yanu yapano – mutha kuchotsa ndalama ngati katundu wanu womwe ulipo sugulitsidwa
• Mavuto okhudza malo kapena chilolezo - kuchotsa ngati cholinga chogwiritsa ntchito sichiloledwa
• Zokhudza chilengedwe - kupeza kuipitsidwa kwa nthaka kapena mavuto ena achilengedwe

Chigawo chilichonse chiyenera kufotokozedwa momveka bwino mu mgwirizano wogula. Mikhalidwe yake iyenera kukhala yeniyeni komanso yoyezeka.

Ziganizo zosamveka bwino sizingakhale zolimba ngati zatsutsidwa.

Kuchotsa ndalama chifukwa wogulitsayo ndi wosakhazikika

Malinga ndi lamulo la ku Dutch, mutha kuchotsa ndalama ngati wogulitsayo alephera kukwaniritsa zomwe adalonjeza pa mgwirizano. Izi zimatchedwa ontbinding wegens wanprestatie.

Wogulitsa ayenera kukhala wolephera kugwiritsa ntchito ufulu umenewu. Nthawi zambiri muyenera kutumiza chidziwitso chovomerezeka ( ingebrekestelling ) kaye.

Chidziwitsochi chimapatsa wogulitsa nthawi yokwanira yoti akonze vutoli. Ngati alephera kutsatira, mutha kuchotsa mgwirizano.

Zifukwa zomveka zikuphatikizapo:

• Wogulitsa akukana kumaliza kugulitsa
• Katunduyu ali ndi zolakwika zazikulu zomwe sizinatchulidwe
• Wogulitsa sangathe kupereka ufulu wovomerezeka mwalamulo
• Wogulitsa walephera kuchoka pamalowo pa tsiku lomwe mwagwirizana

Kuphwanya malamulo kuyenera kukhala kwakukulu mokwanira kuti kuvomerezedwe kuchotsedwa. Nkhani zazing'ono nthawi zambiri sizipereka chifukwa choletsera pangano motsatira Dutch Civil Code.

Mungakhale ndi ufulu wolandira chipukuta misozi chifukwa cha kuwonongeka kwa katundu kuwonjezera pa kuchoka pa mgwirizano.

Nthawi yoziziritsa mwatsatanetsatane

Mukasaina pangano logula nyumba ya ku Netherlands, muli ndi nthawi yokhazikika ya masiku atatu yoti muchotse popanda chilango. Chitetezochi chimagwira ntchito makamaka kwa ogula payekha ndipo chimatsatira malamulo okhwima a nthawi omwe ali m'malamulo aku Netherlands.

Kutalika ndi maziko alamulo

Nthawi yoziziritsa mtima imatenga masiku atatu ndipo yakhazikitsidwa mu Article 7:2(2) ya Dutch Civil Code. Lamuloli limakutetezani ngati wogula payekha yemwe sakugula katundu pazifukwa za bizinesi.

Nthawiyi imagwira ntchito mukagula nyumba yokhalamo kapena malo ogona, koma osati ngati mukugula kuti muyike ndalama kapena kubwereka. Masiku atatu amayamba pakati pausiku tsiku lomwe mwalandira kopi ya pangano logula lomwe lasainidwa ndi inu ndi wogulitsa.

Zimatha nthawi ya 23:59 patsiku lachitatu. Ngati tsiku lomaliza ligwera Loweruka, Lamlungu, kapena tchuthi cha anthu onse, nthawiyo imapitirira mpaka tsiku lotsatira la ntchito.

Masiku awiri mwa atatu ayenera kukhala masiku ogwira ntchito. Ngati izi sizikwaniritsidwa, nthawiyo imapitirira.

Malamulo a Dutch Civil Code amafuna kuti nthawi yoziziritsa iyi ikhale yokhazikika m'mapangano onse ogula nyumba. Ogulitsa sangachepetse kapena kuchotsa ufuluwu, ngakhale kuti magulu angavomereze kuuwonjezera.

Momwe mungagwiritsire ntchito ufulu woletsa

Mukhoza kuletsa kugula nthawi iliyonse panthawi yopuma popanda kupereka chifukwa. Lamulo silikufuna kuti muletse polemba, koma mapangano ambiri ogulira amatchula chidziwitso cholembedwa.

Kutumiza kalata yoletsa kugulitsa kumakutetezani ku mikangano yokhudza nthawi. Wogulitsa ayenera kulandira kuletsa kwanu nthawi yoziziritsa isanathe.

Simungathe kuchitapo kanthu pa mgwirizano musanachotse mgwirizano. Tumizani chidziwitso chanu kudzera pa positi yolembetsedwa kapena imelo kuti mupange mbiri yomveka bwino.

Simuyenera kulipira wogulitsa chipukuta misozi kapena ndalama zilizonse mukasiya kugulitsa panthawiyi. Pangano logula limakhala lopanda ntchito ngati kuti silinalipo.

Kupatulapo ndi malire

Nthawi yoziziritsa mtima imagwira ntchito kwa ogula okha omwe amagula nyumba kuti azigwiritsa ntchito paokha. Simuli ndi ufulu umenewu ngati ndinu wogula waluso kapena wogula kudzera mu bizinesi.

Nthawi yanu yopumula sikugwira ntchito ngati:

• Mukugula malo obwereka kapena ogulira ndalama
• Mukuchita zinthu mwaukadaulo
• Ndiwe wogulitsa mu malonda
• Mwachita kale mogwirizana ndi panganoli

Ngati muletsa kenako n’kusaina pangano lina logulira nyumba yomweyi ndi wogulitsa yemweyo mkati mwa miyezi isanu ndi umodzi, simudzapeza nthawi yachiwiri yoziziritsa. Masiku atatu akatha, mutha kungochotsa nyumbayo kudzera m’zikhalidwe zinazake zomwe zalembedwa mu pangano lanu logulira, monga ndalama kapena mfundo zofufuzira nyumba.

Kuchotsa pambuyo pa nthawi yoziziritsa

Nthawi yoziziritsa ikatha, nthawi zambiri simungachoke pa kugula nyumba ku Netherlands popanda zotsatirapo zake. Komabe, zinthu zinazake zomwe zingachitike pa mgwirizano, mavuto azachuma, kapena kupeza zolakwika zobisika zingaperekebe zifukwa zomveka zochotsera mgwirizanowu.

Mikhalidwe ya mgwirizano ndi zochitika zina

Mapangano ogulira nyumba ku Netherlands nthawi zambiri amakhala ndi zinthu zomwe zimakupatsani mwayi wochotsa ndalama popanda kutaya ndalama zomwe mudasungitsa. Chofala kwambiri ndi chigwirizano cha ndalama , chomwe chimakutetezani ngati pempho lanu la ngongole ya nyumba lakanidwa.

Muyenera kusonyeza kuti mwayesetsa kupeza ndalama mkati mwa nthawi yomwe mwasankha. Panganoli likhozanso kuphatikizapo nthawi yowunikira kapangidwe ka nyumba.

Gawoli limakupatsani ufulu woti malowo ayang'aniridwe mwaukadaulo. Ngati kuwunikako kukuvumbula mavuto akuluakulu, mutha kukambirana zokonza, kupempha kuchepetsedwa mtengo wogulira, kapena kuthetsa mgwirizano.

Kuwerengera mtengo kwa katundu kumakutetezani ngati mtengo wa katunduyo watsika kuposa mtengo womwe munagwirizana. Ngati mtengo wa banki uli wotsika kuposa momwe munkayembekezera, mutha kugwiritsa ntchito izi kuti mukambiranenso za zomwe mwagwirizana kapena kuchotsa mgwirizano.

Mapangano ena amaphatikizapo gawo lofuna kuti wogulitsa apereke zikalata zinazake, monga zilolezo zomangira kapena satifiketi yamagetsi. Kulephera kwanu kulandira zikalatazi pofika nthawi yomaliza kungapangitse kuti muchotsedwe.

Nkhani zokhudzana ndi ndalama kapena kuwerengera mtengo

Ngati pempho lanu la ngongole ya nyumba lakanidwa ndipo muli ndi chikole chovomerezeka chopezera ndalama, mutha kuchotsa ndalama popanda chilango. Chitsimikizo cha banki chomwe mudapereka chidzabwezedwa chonse.

Muyenera kudziwitsa wogulitsa ndi wothandizira nyumba mwa kulemba kalata mukangolandira kukanidwa. Chikhalidwe cha ndalama nthawi zambiri chimatchula nthawi yomaliza komanso ndalama zambiri zomwe muyenera kulipira kuti mubweze ngongole ya nyumba.

Simungathe kubweza ndalama ngati mwalephera kupempha thandizo la ndalama mwachangu kapena ngati mwapempha ndalama zochepera zomwe zalembedwa mu mgwirizano. Ngati mtengo wa nyumba suli wofanana ndi mtengo wogulira, muli ndi njira zingapo.

Mungapemphe wogulitsa kuti achepetse mtengo kuti ugwirizane ndi mtengo wake. Kapena, mungasunge ndalama zina powonjezera ndalama zomwe mwasunga.

Ngati palibe njira iliyonse yomwe ikugwira ntchito ndipo muli ndi vuto la mtengo, mutha kutuluka mu mgwirizano.

Zotsatira za kupeza zolakwika zobisika

Zolakwika zobisika ndi mavuto akuluakulu omwe analipo asanagulidwe koma sanaululidwe ndipo sakanapezeka bwino panthawi yowonera mwachizolowezi. Zitsanzo zikuphatikizapo kuwonongeka kwa kapangidwe ka nyumba, mavuto akuluakulu a chinyezi, kapena nthaka yodetsedwa.

Wogulitsa ali ndi udindo wovomerezeka kukudziwitsani za zolakwika zilizonse zomwe akudziwa. Ngati mwapeza zolakwika zobisika mutasaina koma musanamalize, mutha kuchotsa kapena kupempha chipukuta misozi.

Muyenera kutsimikizira kuti cholakwikacho sichinawonekere panthawi yowonera ndipo wogulitsayo ankadziwa kapena ayenera kudziwa za icho. Pangano lomaliza pakati pa inu ndi wogulitsayo lingathe kuthetsa vutoli popanda kuletsa pangano.

Izi zingaphatikizepo kuchepetsa mtengo wogulira, kukonza komwe kwachitika musanasamutse katundu, kapena kulipira chipukuta misozi chikamalizidwa. Ngati wogulitsa akukana kukambirana ndipo cholakwikacho chikukhudza kwambiri mtengo kapena chitetezo cha katunduyo, mutha kuchitapo kanthu mwalamulo kuti muthetse mgwirizanowu.

Zolakwika zobisika ndi udindo wa wogulitsa

Zolakwika zobisika mu malo ogulitsa nyumba ku Netherlands zingapereke zifukwa zomveka kwa ogula kuti apemphe chipukuta misozi kapena mwina achotsedwe pa kugula komwe amaliza. Lamulo la malo ku Netherlands limapereka maudindo enaake kwa ogulitsa kuti awulule mavuto odziwika, pomwe ogula ayeneranso kutenga njira zoyenera zowunikira malowo asanamalize kugulitsa.

Tanthauzo ndi zitsanzo za zolakwika zobisika

Chilema chobisika motsatira lamulo la Dutch ndi chilema chachikulu chomwe sichinawonekere panthawi yowunikira katundu wamba ndipo sichinawululidwe ndi wogulitsa. Chilemacho chiyenera kukhala chachikulu mokwanira kuti chilepheretse kugwiritsa ntchito katunduyo mwachizolowezi kapena kuchepetsa mtengo wake kwambiri.

Zitsanzo zodziwika bwino zimaphatikizapo ming'alu yobisika ya maziko, kuwonongeka kwa madzi obisika kumbuyo kwa makoma, mavuto a kapangidwe ka nyumba omwe amabisika chifukwa cha kukonzanso kwaposachedwa, kapena makina amagetsi olakwika omwe samawonekera poyang'ana. Denga lotayikira lomwe linapakidwa utoto, pansi lomwe lili pafupi kugwa, kapena malo okhala ndi nkhungu obisika ndi mipando nawonso amayenerera.

Kuti mupeze chitsimikizo chobisika cha chilema, muyenera kutsimikizira kuti chilemacho chinalipo panthawi yogulitsa, sichinali chodziwika kwa inu ngakhale mutayang'anitsitsa bwino, ndipo chimakhudza kwambiri mtengo kapena magwiridwe antchito a nyumbayo. Mavuto ang'onoang'ono kapena mavuto omwe mungakhale mutawona panthawi yowunikira moyenera nthawi zambiri sangakhale oyenerera.

Udindo wopereka umboni uli ndi inu monga wogula. Mukufunika malipoti a akatswiri owunikira, zithunzi, ndi kuwunika kwa akatswiri kuti muwonetse kuopsa kwa vutolo komanso momwe likubisika.

Udindo walamulo wowulula zinthu kwa ogulitsa

Ogulitsa ku Netherlands ayenera kuulula mozama zolakwika zonse zomwe zimadziwika zomwe zingakhudze chisankho chanu chogula kapena mtengo wa katunduyo. Udindo uwu sungowonjezera kungoyankha mafunso anu mwachindunji.

Malamulo aku Dutch amafuna kuti ogulitsa azichita zinthu mwachilungamo ndikupereka chidziwitso chokwanira chokhudza momwe nyumbayo ilili. Sangathe kukhala chete pa mavuto odziwika poganiza kuti simudzawapeza.

Izi zikuphatikizapo kuwonongeka kwa madzi, kukonzanso nyumba, mikangano ya malire, kapena nkhawa zachilengedwe. Mapangano ambiri ogulira amakhala ndi chitsimikizo chokhazikika pomwe wogulitsa akutsimikizira kuti nyumbayo ndi yoyenera kugwiritsidwa ntchito mwachizolowezi m'nyumba.

Ngati wogulitsayo wabisa zolakwika mwadala, akukumana ndi mlandu waukulu kuphatikizapo ndalama zokonzera, kuchepetsa mitengo, kapena kuthetsa pangano. Mfundo yowonekera bwino imatanthauza kuti ogulitsa ayenera kufotokoza nkhani zilizonse zomwe zingakhudze malondawo.

Njira zothanirana ndi vuto la ogula kupeza zolakwika

Ngati mwapeza vuto lobisika mutagula, lembani zonse nthawi yomweyo ndi zithunzi zatsatanetsatane ndi mafotokozedwe olembedwa. Pezani malipoti a akatswiri owunikira ndi kuwunika kwa akatswiri kuti mutsimikizire mtundu ndi kuopsa kwa vutolo.

Lembani kwa wogulitsayo mosazengereza, mufotokozere vuto ndi zotsatira zake. Wogula amene wapeza kuti palibe chomwe chikugwirizana ndi zomwe wagula ayenera kudziwitsa wogulitsayo mkati mwa nthawi yoyenera atachipeza (art. 7:23 lid 1 BW). Nthawi yokhazikika ya miyezi iwiri munkhaniyi imagwira ntchito kokha kwa ogula kugula katundu wosunthika, kotero silamulira kugula nyumba; chomwe chimawerengedwa ngati nthawi yoyenera pano chimadalira momwe zinthu zilili. Wogula amene akudikira amataya ufulu wodandaula konse, ndichifukwa chake chidziwitsocho chiyenera kutumizidwa vutolo likadziwika osati lipoti la katswiri litamalizidwa.

Njira zanu zalamulo zikuphatikizapo kupempha chipukuta misozi chifukwa cha ndalama zokonzera, kukambirana za kuchepetsa mtengo, kapena pazochitika zazikulu, kuthetsa mgwirizano wogula kwathunthu. Muyenera kusonyeza kuti cholakwikacho chinalipo pogulitsa, sichinapezeke mwa kuwunika koyenera, ndipo chimakhudza kwambiri kagwiritsidwe ntchito ka nyumbayo kapena mtengo wake.

Funsani loya wa nyumba ku Netherlands kuti aone ngati pempho lanu lili lolimba ndipo akambirane ndi wogulitsa. Milandu ya kukhoti ingakhale yofunikira ngati pali zolakwika zazikulu pamene wogulitsayo akukana udindo.

Zotsatira zachuma ndi zamalamulo za kuchotsa ndalama

Kuchotsa ndalama zomwe mudagula kuchokera ku Netherlands kunja kwa malo ovomerezeka kumabweretsa zilango zazikulu zachuma . Mutha kutaya ndalama zomwe mudayika, kukumana ndi madandaulo a kuwonongeka, ndikukhalabe ndi mlandu pa ndalama zina ngakhale kugulitsa sikunathe.

Kutaya ndalama zosungiramo ndalama ndi chitsimikizo cha banki

Mukasaina pangano logula katundu ku Netherlands, nthawi zambiri mumalipira 10% ya mtengo wogulira mkati mwa nthawi yomwe mwasankha. Ngati mutenga ndalama popanda zifukwa zomveka, wogulitsa akhoza kusunga ndalama zonsezo ngati chipukuta misozi chifukwa cha kuswa pangano lanu.

Izi zikugwira ntchito kaya mudalipira ndalama mwachindunji kapena mudapereka chitsimikizo cha banki. Chitsimikizo cha banki chimagwira ntchito yofanana ndi ndalama zosungira.

Banki yanu ikulonjeza kulipira wogulitsa ngati mulephera kumaliza kugula. Wogulitsayo akhoza kupempha ndalama zonse zomwe zatsimikiziridwa ngati mutatenga ndalama mosaloledwa.

Simungaletse kulipira kumeneku pouza banki yanu kuti ichotse chitsimikizocho mukangosaina pangano. Komabe, kutenga katundu sikongochitika zokha. Pansi pa njira zokhazikika, wogulitsa ayenera choyamba kuyika wogula pa chiphaso polemba chidziwitso ndikulola nthawi yomwe panganolo limatchula, nthawi zambiri masiku asanu ndi atatu, asanathetse panganolo ndikupempha chilangocho.

Komanso notary amene ali ndi ndalama zosungira sadzazimasula malinga ndi zomwe chipani chimodzi chikunena. Ngati wogula ndi wogulitsa akutsutsana za yemwe ali ndi ufulu wolandira ndalamazo, zimakhalabe ndi notary mpaka atagwirizana kapena khoti litasankha.

Malipiro ndi zilango zomwe zingachitike

Kupatula kutaya ndalama zomwe mudasunga, mungakumane ndi zopempha zina zowonjezera kuchokera kwa wogulitsa. Malamulo aku Dutch amalola wogulitsa kupempha ndalama zomwe zawonongeka kuposa ndalama zomwe mudasunga ngati angathe kutsimikizira kutayika kwenikweni.

Izi zingaphatikizepo ndalama zogulira katunduyo pamsika, kusiyana kwa mitengo ngati agulitsa kwa wogula wina pamtengo wotsika, kapena ndalama zomwe zagwiritsidwa ntchito pokonzekera kugulitsa. Pangano logula nthawi zambiri limaphatikizapo ziganizo za chilango zomwe zimatchula ndalama zokhazikika zolipirira katundu.

Mu zitsanzo zokhazikika, chiwerengerocho ndi 10 peresenti ya mtengo wogulira. Khothi lingachepetse chilango cha pangano pomwe zotsatira zake sizikanakhala zosalungama (art. 6:94 BW), koma limagwiritsa ntchito mphamvu zimenezo mosamala.

Mudzakhalabe ndi mlandu pa zilango izi ngakhale mutataya ndalama zomwe mudasunga, ngakhale kuti makhothi angalipire ndalama zomwe mudasunga pa ndalama zonse zomwe mudalipira.

Ndalama ndi mangawa: ndalama zolipirira ndi misonkho ya notary

Mudzakhala ndi udindo pa ndalama zina zogulira ngakhale kugula sikunathe. Ntchito yomwe notary wagwira kale iyenera kulipidwa ngakhale kugulitsa sikunathe.

Ndalama zolipirira notari sizimakhazikitsidwa ndi lamulo: notari aliyense amaika mtengo wake, ndipo zomwe ziyenera kulipidwa ngati chikalatacho sichinaperekedwe zimadalira ntchito yomwe yachitika kale. Ngati chikalatacho chaperekedwa kale ndipo chalembetsedwa, msonkho wosamutsa uyeneranso kulipidwa.

Misonkho yosamutsa katundu, ndi zikhalidwe za kukhululukidwa kwa ogula koyamba achichepere, zimakhazikitsidwa chaka chilichonse mu lamulo la misonkho ndipo zimafalitsidwa ndi Belastingdienst; mtengo wosiyana umagwira ntchito pa nyumba yomwe wogula adzakhalamo kuposa yomwe idagulidwa ngati ndalama. Kusamutsako kukalembetsedwa, msonkho sungabwezeretsedwe chifukwa chongodandaula ndi kugula.

Ndalama zina zingaphatikizepo ndalama zowerengera mtengo, ndalama zofufuzira, ndi ndalama zamilandu ngati wogulitsa achitapo kanthu kuti atsimikizire panganolo. Wobwereketsa ngongole yanu ya nyumba angakulipitseninso ndalama zochotsera ngati mwapeza ndalama koma simukuzifunanso.

Njira zoletsera ndi zochitika zina

Muyenera kudziwitsa wogulitsa ndi notary m'kalata ngati mukufuna kuchoka pa kugula. Tumizani chidziwitso chanu chochotsa katundu kudzera pa positi yolembetsedwa kuti mupange umboni woti katunduyo wafika.

Lembani adilesi ya malo, tsiku la pangano, ndi mawu anu omveka bwino oti mukuchoka pa panganoli. Fotokozani zifukwa zanu zalamulo zochotsera ngati mukukhulupirira kuti muli ndi zifukwa zomveka, monga zinthu zosayembekezereka zomwe sizinachitike.

Musangolengeza kuti mwachotsa nyumba yanu popanda kufotokoza chifukwa chake, chifukwa izi zikusonyeza kuti mwavomereza zotsatirapo zachuma. Kenako notary adzayimitsa njira yosamutsira nyumbayo ndikudziwitsa onse omwe akukhudzidwa, kuphatikizapo obwereketsa nyumba ndi Land Registry.

Muyeneranso kulankhulana ndi kampani yanu yobwereketsa ngongole nthawi yomweyo kuti muchotse fomu yanu yopempha ngongole komanso chikalata chilichonse chokhudzana ndi ngongole ya nyumba. Chitanipo kanthu mwachangu kuti muchepetse ndalama zina ndi zolipiritsa zomwe zikupitilirabe panthawi yochotsa ngongole.

Kusamutsa umwini ndi kutsiriza

Kusamutsa umwini kumakhala kovomerezeka mwalamulo ngati chikalata chosamutsa chasainidwa kwa notary ndikulembetsedwa ndi Kadaster. Mpaka pano, njira zina zochotsera zitha kukhalapobe, koma pambuyo pake malondawo amakhala athunthu ndipo sangasinthe.

Chikalata cholembera ndi kulembetsa Kadaster

Chikalata chosamutsira katundu ndi chikalata chovomerezeka chomwe chimasamutsa umwini wa katundu kuchokera kwa wogulitsa kupita kwa inu. Notary amakonza chikalatachi kutengera zomwe mwagwirizana mu mgwirizano wanu wogula.

Chikalatacho chiyenera kukhala ndi mfundo zonse zofunika monga mtengo wogulira, kufotokozera malo, ndi zinthu zina zapadera. Mumakhala mwiniwake wovomerezeka pokhapokha ngati zinthu ziwiri zachitika.

Choyamba, inu ndi wogulitsayo muyenera kusaina chikalatacho ku ofesi ya notary. Chachiwiri, notary amatumiza chikalatacho ku Kadaster (Land Registry) kuti chilembetsedwe mwalamulo.

Notary amaonanso chikalatacho ndi magulu onse awiri asanasainire. Amafotokozera mfundo zazikulu ndikutsimikizira kuti zonse zikugwirizana ndi mgwirizano wanu wogula.

Izi zikutsimikizirani kuti mukumvetsa zomwe mukusaina komanso kuti malondawo akutsatira malamulo aku Dutch.

Kumaliza ntchito ku ofesi ya notary

Msonkhano womaliza ku ofesi ya notary ndi pamene umwini umasinthana mwalamulo. Pa nthawiyi, mumasaina chikalata chosinthira katundu ndipo nthawi zambiri mumalandira makiyi a malo anu atsopano.

Notary ndiye amasamalira makonzedwe onse azachuma, kuphatikizapo kusamutsa ndalama kwa wogulitsa ndi kulipira msonkho wosamutsa. Notary amaonetsetsanso kuti ndalama zonse ndi misonkho zalipidwa moyenera.

Amafufuza ngongole zilizonse zomwe sizinalipo kapena nkhani zalamulo zokhudzana ndi katunduyo. Izi zimakutetezani kuti musalandire mavuto okhudzana ndi katunduyo.

Kuchotsa ndalama pa mphindi yomaliza

Kuchotsa katundu mutasaina chikalata chosinthira katundu sikovomerezeka mwalamulo. Chikalatacho chikasainidwa ndikulembetsedwa ku Kadaster, malondawo amakhala omaliza komanso omangika.

Simungathe kusintha kusamutsa umwini panthawiyi. Ngati muyesa kuchoka nthawi yomweyo musanayambe kusankhidwa kwa notary, mukukumana ndi mavuto azachuma.

Wogulitsa akhoza kupempha kuti awonongedwe, nthawi zambiri mpaka 10% ya mtengo wogulira. Muthanso kutaya ndalama zomwe mudasungitsa ndikulipira ndalama zina kukhothi.

Zifukwa zomveka zovomerezeka kapena zigawo zinazake za mgwirizano ndi zomwe zimalola kuchotsa ngongole kumapeto kwa nthawi ino popanda chilango.

MAFUNSO OFUNSIDWA KAWIRIKAWIRI

Ogula omwe akuchoka pa kugula katundu ku Netherlands amakumana ndi malamulo enaake alamulo omwe amatsimikiza ngati angatuluke popanda zotsatirapo zake. Nthawi yoziziritsa imapereka chitetezo choyamba, koma nthawi ndi momwe zinthu zimakhalira pochoka zimakhudza kwambiri zotsatira zachuma ndi zamalamulo.