Zoona, zofunikira ndi phindu ... kapena zolakwika
Nyumba ya holide ku Ireland ndilo loto limene anthu ambiri amalota, komanso alendo. Ambiri a ku Dublin angakonde kanyumba ku Connemara, ndipo kwa a Irish-America chirichonse "chochepa" chokwanira chidzachita, ngakhale ngati atazungulira ndi nyumba khumi ndi ziwiri kapena zapamwamba zodziwika bwino mwachitukuko chokonzekera. Kugula nyumba ya holide ku Ireland kunali zochitika zachilendo-ndi-munda asanafike pachilumbachi.
Izi zinatsatiridwa ndi chiwonongeko cha 2008 ndi chiwerengero chachuma, koma nyumba zazing'ono zambiri kapena nyumba zothandizira zokhazikitsidwa ndizinthu zinali zogulitsidwa kwa makasitomala a ku Britain ndi a European, pang'onopang'ono kwa makasitomala ochokera kunja. Chifukwa chakuti nyumba za holide za ku Irish zinali zitakhala zotsika mtengo, ndiye kuti ndalamazo zingakhale zopindulitsa kwambiri. Pa nthawiyi, ngakhale alendo omwe sankakhala nawo nthawi zambiri ankawonekeratu kuti amatha kulipira mabanki a Irish kuti azipereka ndalama zogulira ndalama. Pomwepo, mpaka 2008, pamene bubble lonse liphulika ndipo ndalama zambiri zowonongeka zimakhala ngati nyenyezi zozungulira pakhosi. Ndipo lero? Kukhala woona mtima, kugula katundu wa ku Irish monga nyumba ya tchuthi kutali ndi nyumba kungakhale kokongola. Koma zonse zimatsikira ku manambala. Nazi mfundo zofunika kuzidziwa:
Kodi Mungagule Zotani ku Ireland?
Nthawi zambiri, aliyense amene angathe kulipira. Kukhala ndi malo ku Ireland sikupatsa ufulu wokhalamo, ngakhale omwe akudalira ma visa angagule.
Amalonda akumadera akumidzi amalandiridwa ambiri.
Kodi N'zotheka Kupeza Ngongole ya ku Ireland kuti Ugule Nyumba ya Holide?
Mwachiphunzitso ... inde. Mwachizoloŵezi, izi zakhala chimodzimodzi ndi Lehman Brothers pa nthawi yomweyi. Pafupifupi palibe wabanki ndipo mosakayikira palibe sub-prime lender lero adzathetsa mtengo wogula kunyumba.
Ndikokwanira kuti mutenge ngongole ya malo okhala ngati mukufuna kukhala mwini-occuppier.
Kodi ndingapeze kuti katundu ku Ireland?
Kwenikweni mumasewera pa pint ... ngati onse awiri akudziwa zomwe akuchita. Palibe malamulo omwe akutsogolera njira yoyenera yogula ndi kugulitsa katundu. Njira yowonjezera, komabe, kudzera m'maofesi a wogulitsa katundu. Adzakhala mkhalapakati pakati pa wogula ndi wogulitsa ndikutsogolera mawonedwe. Chochititsa chidwi chokha: Wothandizira malonda amatenga ndalama zake pamtengo wogulitsa, izi zidzasankhidwa ndi wogulitsa. Sitiyenera kulipira kwa wogula (ngakhale, pomalizira pake, mudzalipira chilichonse).
Kodi Ndingapeze Kuti Zogulitsa Zambiri ku Ireland?
Pa tauni ina iliyonse ikuluikulu ndipo, ndithudi, pa intaneti. Kusiyanitsa kwakukulu pakati pa wothandizira aliyense kukhala ngati akuwonetsa "mtengo wopempha" (osati ndalama zokwanira) kapena ngati mukuyenera kulankhulana ndi iwo payekha payekha. Chonde dziwani kuti malo omwewo akhoza kukhala operekedwa ndi ogulitsa katundu ambiri, nthawi zambiri ndi mtengo wofunsira wosiyana. Mungapeze mndandanda wabwino wa malo ogulitsa malo monga myhome.ie.
Ngati mtengo wopempha umasiyana, ndi umodzi uti "weniweni"?
Zonse ziri, koma zotsika kwambiri zidzakhala zenizeni kwambiri.
Khalani pafupi ndi kupereka kwanu - kupereka kwakukulu kudzavomerezedwa mokondwera, koma kukhala ndi katundu womwewo pamsika ndi ogulitsa katundu ambiri pamtengo wosiyana amanyamula chifuwa cha kusimidwa nawo kale.
Kodi Ndikupanga Nsembe Yanji Ndipo Ndichiyani Chimachitika?
Mumapereka chithandizo kwa wogulitsa katundu yemwe angamuuze kwa wogulitsa ... amene angamulandire kapena ataya. Kuvomerezeka kungabwererenso mtsogolo ("kutentha" kumatchuka kwambiri, ndipo kubwezeretsanso), koma nthawi zathu zowoneka bwino, kugulitsa mwamsanga nthawi zambiri kumakhala wogulitsa kwa wogulitsa.
Kodi Ndikufunika Wogamula Khoti?
Mwachidziwikire ayi, koma nthawi zonse muzigwiritsa ntchito ntchito imodzi kuti muwonetsetse kuti chirichonse chikukhazikika. Wothandizira malonda angakulimbikitseni woweruza wadziko lanu, ngati simungathe kudzipangira nokha - maziko abwino ndi Law Society of Ireland.
Kodi Ndondomeko Yogula Mitengo ku Ireland ndi yotani?
Kuwonjezera pa mtengo wa katundu wokha, kuyembekezera kulipira zotsatirazi:
- Malipiro a Zamalamulo - popeza palibe malipiro oyenera, omvera amapereka mpikisano wokwanira ("kuwongolera ntchito" (ndalama zomwe zimagwirizanitsidwa ndi kugula katundu), kotero mupeze ndemanga. Mlanduwu ukhoza kukhala malipiro apamwamba kapena peresenti ya mtengo wogula. Zina zogwirizana ndi mbali yalamulo zikuphatikizapo malipiro a Land Registry ndi kufufuza kwalamulo.
- Ndalama Zofufuzidwa - kufufuza ndizosankha koma kulimbikitsidwa pamene mukugula nyumba yachiwiri. Mtengo ukhoza kusintha mosiyana, pangani ndemanga.
- Ntchito Yampampando - yang'anani kuti ikhale yozungulira ndalama zokwana 3,000 mpaka 5,000 za Euro kuti zikhale ndi ndalama, ndi ndalama zina 500 mpaka 1,000 kwa woyesa ntchito komanso ntchito ya sitampu.
Izi ndizo Zonse Zamtengo, Zolondola?
Ayi, iwo sali ... chifukwa choyamba, mudzayenera kulipira msonkho wa pachaka pa nyumba yanu ya tchuthi - ndipo ndalama zomwe zagwiritsidwa ntchito zimayambitsidwanso (ngakhale zikhoza kubwereranso posachedwa). Kuphatikiza apo pakhoza kukhala ndi milandu yokhudzana ndi malo osungirako nyama. Pang'ono ndi pang'ono muyenera kulipira kuchotsa tanki la septic nthawi zonse.
Malingana ndi inshuwalansi - ndizoopsa zanu, mumasankha. Ndiroleni ine ndingonena kuti ngati inu mutagula imodzi mwa makondomu okongola a nyumbayo, chikondicho chimachoka pawindo pamene inu mutayesa kupeza inshuwalansi ya moto kwa izo (zovuta kupeza ndi zodula).
Ponena za kukonzanso - ngati muli kutali ndi katundu wanu nthawi yaitali zidzalipilira kulipira wina kuti ayang'ane, kuthamanga zipinda nthawi zina kumapewa mapaipi ozizira ndi zodabwitsa zina. Mtengo wa utumiki uwu "wokhala pakhomo" ukusiyana ...
Kotero, Kodi Nyumba Yanga Yotchulidwira Idzadzipangira Ikha?
Izi ziri pansi pa masamu oyera ... amati mukukonzekera kukhala ndi maulendo awiri kwa masabata awiri kapena atatu pachaka. Mukamagwiritsa ntchito malo odyera okhaokha, izi zikhoza kukubwezeretsani pakati pa 2,000 ndi 4,000 Euro pachaka. Tiyeni tipite ndi chiwerengero chapamwamba chifukwa cha kutsutsana.
Kuchokera ku ma Euro 4,000 kuchotsa 300 Euro pa msonkho wamakono, mumasiyidwa ndi 3,700 Euros. Chotsani ndalama zokwana 1,000 Euro yokonza ndi inshuwalansi (ngati mukufuna) ndipo mukafika pa € 2,700. Izi ndizo, poyerekeza, katundu wanu adzakudyerani pachaka mu mtengo wogula.
Tsopano mukuganiza kuti munatha kukhazikitsa nyumba ya holide yokwana 75,000 Euro, kuphatikizapo 5,000 ndalama ndi misonkho ... ndipo mudzawona kuti mukuyenera kukhala zaka makumi asanu ndi zitatu kudzachita maholide kwa milungu isanu kuti mubwere.
Kenanso: Mukangolola abwenzi ndi abambo kukhala pamenepo, kapena kubwereka, ndalamazo zidzatha.