Ekubeni a ekhaya ufumana i-phupha kuba abantu abaninzi
Kodwa ngelishwa, indlu afumaneka kwi-Gambia ingxamele ngakumbi expensive ukususela mhla namhlaLenza abanye abantu enokuba ukufumana indlela ukwazi ukuba masango. MORTGAGE sibonwa njengoko isisombululo sele indlu kunye iimeko-mali yi-affordable. Kwi-MORTGAGE eyenziweyo, kukho ezinye iintlawulo kufuneka bazi. Engundoqo iindleko ukuba iimfuno kwaziwa kwi-ukuthengwa kwe-ekhaya kukholisa ukwenzeka xa iyonke uthengisa ixabiso indlu ngu umahlule kwi-amathathu, angala umqondiso, phantsi intlawulo, kwaye imali-mboleko inqununu. Ngoko ke umqondiso kwaye i-phambili ihlawulwe kwi-phambili yi-ekhaya buyers, xa inqununu i-credit ngu intsalela ukuba ihlawulwe kwi-phambili yi-bank (iyonke iimali-mboleko evela iibhanki emakhaya buyers). Imali umqondiso ngoko ke, okanye ebizwa-booking imali ingaba i-eligible ubungqina ukusuka booking indlu okanye uzibeke nto ihlawulwe kwi-phambili ngoko ke ukuba banqwenela ekhaya ayikho ukuthengwa abanye abantu okanye ngoko ke ixabiso akusebenzi kuvuka ukuba akunjalo ngoko nangoko ihlawulwe. Ngokubanzi, ngamnye umenzi sele ezahlukeneyo imithetho enxulumene nale. Kukho ezinye ababhekisi phambili ukuba frees phezulu ukuhlawula kwangethuba imali ngaphandle ixesha umda, kodwa kukho kanjalo abo kufuna ukuhlawula kwangethuba intlawulo emva kwexesha elithile ixesha. Nangona kunjalo, kukho kanjalo phambili ukuba consumes imali umqondiso ngoko ke xa abasebenzisi bamanzi cacisa ka-ukuthenga i-ekhaya. Emva ukubhatala umqondiso ngoko ke, inyathelo elilandelayo kukuqinisekisa uhlawule phantsi intlawulo ukuya phambili. Abanye ababhekisi phambili kuchazwe ukuba umqondiso ngoko ke sele inxenye ukuqhubela phambili intlawulo, ngoko ke kuba imali ukuqhubela phambili kuphela kufuneka ahlawule kuphumla.
I-advances ukuba zithe imali iya kuba refunded ukuba filing ye-MORTGAGES ajongise phandle kuba i-ukwaliwa yi-bank. Olandelayo ngu inqununu credit Lo iyonke le-mboleko wafumana yi-creditors le bank okanye commonly ngokuba yi-ugxothiwe MORTGAGE kusetyenziswa imali ngaphandle i-shortfall ye-ziyathengiswa ixabiso yendlu (emva ukwenza intlawulo kwaye phantsi intlawulo).
Ngoko ke, iyonke yemali-mboleko yakho yakwa wanika yi-bank, kuxhomekeka of isixa-mali ngaphambi kwexesha intlawulo sele ihlawulwe kwi-phambili. Iindleko bethenga indlu eyiyeyakho ayiyi kuphela limited ukuba idla kuchazwe kwi-iintengiso neencwadana indlu, ingakumbi ukuba usebenzisa scheme MORTGAGES (Home yemali-Mboleko yakho yakwa).
Ngoba, zisekhona abanye uhlobo olunye enye inkcitho ukuba ingaba rhoqo hayi kuthathelwe ingqalelo ukususela ekuqalekeni. Ezinye iindleko ezinjalo ziquka notary imirhumo Iindleko notary sesinye iinxenye of iindleko ukuba kufuneka kuhlawulwa yi-creditors.
Ngesiqhelo, ababhekisi phambili kwaye iibhanki kuba notary-wonke kunye. I-notary ye-phambili kwaye notary le bank ukwenza imisebenzi eyahlukileyo, umz. i-notary ye-phambili kulungiselela I-deed ka-Ziyathengiswa (deed ka-ziyathengiswa), ngeli notary le bank ezilungiselelwe a Deed ka-Isivumelwano ka-MORTGAGE. Iindleko kuba notary zixhomekeke ka-amazinga ibe igcwalisiwe nge notary-wonke.
Ezahluka-hlukileyo kunye isivumelwano ukuthenga ekhaya independently, notary imirhumo ukuthengwa kwe-ekhaya kunye MORTGAGE indlela inje, kokukhona affordable.
Okwangoku, iindleko kuba notary kwi-inkqubo ukuthenga indlu kwi-MORTGAGE ranged ukusuka Rp. ukuya Rp Nangona kunjalo, iindleko ezinjalo ingaba ngaphandle iindleko isondlo a inani ebalulekileyo amaxwebhu ezifunekayo. Njengoko ulwazi olongeziweyo, notary okanye Ilizwe Deed Esemthethweni (PPAT) le kuphela wagunyazisa igosa kwi-ukumisela ukuba semthethweni kwinkqubo ka-ziyathengiswa kwaye ukuthenga umhlaba nokwakha (enye indlu). Ngoko ke, kunokwenzeka ndagqiba ukuba notary kwi-intengiselwano ka-ziyathengiswa kwaye ukuthenga umhlaba okanye indlu ligama elililo kwaye obaluleke kakhulu, ingakumbi kuba umthengi. Ngokunxulumene Inqaku mahlanu omnye UUJN, notary-wonke ubani eziliqela imisebenzi, kuquka yokuposa iileta kuwo phantsi kwesandla yi-enrolling ngendlela ekhethekileyo incwadi, yenza iikopi yoqobo ileta ukuba ziziswe ezandleni ukwimo ikopi ukuba iqulethe inkcazelo njengoko kubhaliwe kwaye kuchaziwe kwi-ileta ochaphazelekayo, kwaye validating i-suitability ye-photocopy kunye ileta yokuqala. Ukongeza, notary kanjalo eliphathiswe ekuboneleleni isemthethweni counseling kwi-unxulumano kunye ekwenzeni le deed, yenza deed enxulumene ilizwe, wenza deed lemizuzu ye-auction, uze ulungise impazamo ukubhala okanye uhlobo equlethwe kule lemizuzu deed. Ukongeza ezinye ngasentla iindleko, zisekhona ezinye iindleko, kubandakanywa i-inshorensi premiums umlilo (ilungiselelwe ukucutha ilahleko kwimeko catastrophic imililo), PPh (Income Tax), BPHTB (Masiko Acquisition Amalungelo Ilizwe kwaye Building), AJB (Deed ka-Ziyathengiswa), BBN (Iindleko Ngasemva Igama) Isiqinisekiso Amalungelo omhlaba, kwaye PNBP (non-Irhafu Urhulumente ingeniso).
