Amaqiniso, izindleko kanye nezinzuzo ... noma izinkinga
Indlu yeholide e-Ireland iphupho livame ukuphupha, yizakhamuzi kanye nezivakashi zakwamanye amazwe. Abaningi baseDublin bangafisa indlu kaConnemara, kanti abantu base-Irish-America noma yini "abayinqaba" bayokwenza, ngisho noma bezungezwe ngamakamelo ayishumi nambili noma amancane amancane ekwakhiweni kwenhloso. Ukuthenga ikhaya leholidini e-Ireland kwakuyinto ejwayelekile-engadini-ngaphambi kokuba isiqhingi sendawo sithinte lesi siqhingi.
Lokhu kwalandelwa ukuqhuma kwezomnotho ngo-2008, kodwa izindlu ezincane ezincane noma izindlu zeholide ezakhiwe ngenhloso zazidayiswa kumakhasimende aseBrithani naseYurophu, ngezinga elingaphansi kwamaklayenti angaphandle angaphandle kwamanye amazwe. Ngenxa yokuthi amakhaya aseholide ase-Irish ayebhekwa njengezishibhile, ngakho-ke njengendlela yokutshalwa kwezimali okuphumelelayo. Phakathi nalezo zinsuku, ngisho nendawo evamile yokuvakasha yayibonakala ikwazi ukuxosha amabhange ase-Ireland ekuhlinzekeni imali yokukhokhela imali. Kuze kube ngo-2008, lapho yonke indawo ye-bubble yomhlaba iqhuma futhi izimali eziningi "zokungathembeki" ziphelile njengezinhlamvu ze-albatross entanyeni. Futhi namhlanje? Ukuthembeka, ukuthenga impahla yase-Ireland njengekhaya leholide kude nekhaya kungase kube mnandi. Kodwa konke kuya phansi ezinombolweni. Nazi amaqiniso ayisisekelo okudingeka ukwazi:
Ubani Ongathenga Impahla E-Ireland?
Ngokuvamile, noma ngubani ongayikhokha. Njengoba unomhlaba e-Ireland awuhambisani namalungelo okuhlala, ngisho nalabo abaxhomeke kwi-visa bangathenga.
Abanini-zimali base-Overseas bayamukelekile ngokujwayelekile.
Kungenzeka yini ukuthola i-Mortgage yase-Ireland ukuthenga ikhaya leholide?
Inory ... yebo. Ngokwenza njalo, lokhu kuye kwaba ngendlela efanayo noLehman Brothers cishe ngesikhathi esifanayo. Cishe akekho obhanki futhi nakanjani akukho-lender sub-prime namuhla uzoqeda inani lokuthenga kwekhaya leholide.
Kunzima ngokwanele ukuthola indawo yokubolekwa kwempahla yokuhlala uma ufuna ukuba ngumnikazi womnikazi.
Ngingayitholaphi Impahla E-Ireland?
Empeleni ku-pub phezu kwe-pint ... uma bobabili amaqembu ekwazi ukuthi benzani. Ayikho imithetho elawula inqubo efanele yokuthenga nokuthengisa impahla. Indlela engavamile, noma kunjalo, ikhona ngamahhovisi e-agent yezindlu. Bayoba ngumxhumanisi phakathi komthengi nomdayisi futhi kube lula ukubukwa. Iqiniso elilodwa elithakazelisayo: I-Agent Estate ithola imali yakhe yokuthengiswa, lokhu kuzosingathwa ngumdayisi. Akufanele kube khona izinkokhelo ezivela kumthengi (nakuba, ekugcineni, uzokhokha konke).
Ngingayitholaphi I-Agent Estate e-Ireland?
Kuzo noma yiliphi idolobha elikhulu futhi, nakanjani, kwi-intanethi. Umehluko omkhulu phakathi kwama agent ngamunye ukuthi ngabe abonisa "intengo ecelayo" (hhayi isamba esinqunyiwe) noma ngabe kufanele uxhumana nabo ngomuntu ngalokhu. Sicela uqaphele ukuthi leyo ndawo ingase ibe ngokunikezwa ngamakhamphani amaningi wezindlu, ngokuvamile ngezindleko ezihlukahlukene zokucela. Ungathola uhlu oluhle lwezithunywa zefa kumawebhusayithi afana ne-myhome.ie.
Uma i-Price Asking ihluke, yiyiphi i-"Real"?
Konke kunjalo, kodwa okuphansi kakhulu kuzoba okungokoqobo kakhulu.
Hlala eduze nalokhu okunikezwayo - isipho esiphezulu sizokwamukelwa ngentokozo, kodwa ukuba nomhlaba ofanayo emakethe kanye nama-agent angama-estate amaningi ngamanani ahlukene athatha isifubhe sokuphelelwa yisikhathi ngawo kakade.
Ubani Engenza I-Offer Kuye Futhi Kwenzekani Kamuva?
Wenza isipho kummeli wezindlu oyokudlulisela kumdayisi ... ngubani ozokwamukela noma owehla. Ukwemukelwa kungathathwa kamuva ("i-gasumping" isetshenziselwa ukuthandwa kakhulu, futhi ibuyele emuva), kodwa ezikhathini zethu ezibucayi, ukudayiswa okusheshayo kuvame ukuhamba phambili kumthengisi.
Ingabe Ngidinga Ummeli?
Ngekhono hhayi, kodwa kufanele njalo usebenzise izinsizakalo zomuntu ukuze uqiniseke ukuthi konke kukhishwa. I-agent yezindlu ingancoma ummeli wendawo, uma ungenakukwazi ukuzitholela ngokwakho - indawo yokuqala yokuqala yi-Law Society of Ireland.
Iyini Indleko Yokuthenga Impahla e-Ireland?
Ngaphandle kwentengo yendawo ngokwayo, lindela ukukhokha lokhu okulandelayo:
- Imali Esemthethweni - njengoba kungekho amanani alinganiselwe, abaceli banganikeza amazinga okuncintisana (noma ukuphanga) okuyikho "ekudluliseni umsebenzi" (izimali zomthetho ezihlobene nokuthenga impahla), ngakho thola izingcaphuno. Inkokhelo ingaba yimali ephansi noma iphesenti lentengo yokuthenga. Ezinye izindleko ezihambisana nohlangothi lwezomthetho zihlanganisa izimali zokubhalisa umhlaba kanye nokusesha okungokomthetho.
- I-Survey Fee - inhlolovo iyakhethwa kodwa inconywa lapho uthenga indawo yesibili. Izindleko zingabuye zishintshe, thola izingcaphuno.
- Isitampu Somsebenzi - silindele ukugoqa ama-3,000 kuya ku-5 000 ama-Euro ukuze uthole imali yezomthetho, enye ama-500 kuya ku-1 000 ama-Euros for surveyor kanye nomsebenzi wesitembu samaphesenti amabili.
Lokho yizo zonke izindleko, kwesokudla?
Cha, abangekho ... ngokuqala, kuzodingeka ukhokhe intela yendawo yendlu ekhaya lakho lokuphumula - futhi amacala asetshenzisiwe nawo (nakuba angase aphinde aphinde ashaywe esikhathini esiseduze). Ngaphezu kwalokho kungenzeka kube namacala ahlobene ne-tank septic endaweni. Okungenani uzodingeka ukhokhe ukukhipha itanki le-septic njalo.
Ngokuqondene nomshuwalense - kuyingozi yakho, unquma. Ake ngitshele nje ukuthi uma uthengisa enye yalezo zindlu ezinothando ezithandwayo, lothando luzophuma efasiteleni uma uzama ukuthola umshuwalense womlilo ngalokho (okunzima ukuthola nokubiza).
Ngokuphathelene nesondlo - uma ungekho endaweni yakho isikhathi eside uzokhokha ukukhokhela umuntu ukuyihlola, ukuphumula amakamelo ngezikhathi ezithile kuvimbela amapayipi amaqhwa nezinye izinkumanga ezimbi. Intengo yalokhu isevisi "ehlezi endlini" ihlukahluka ...
Ngakho-ke, Ingabe Ikhaya Lami Leholide Liyozikhokhela?
Lokho kunamathematika ahlanzekile ... uthi uhlela ukuthi ube nezinsuku ezimbili zokuphumula amasonto amabili kuya kwamathathu unyaka ngamunye. Uma usebenzisa indawo yokuqasha yokuqashisa, lokhu kuzokubuyisela emuva phakathi kuka-2,000 no-4,000 ama-Euro ngonyaka. Ake sihambe nenombolo ephakeme ngenxa yokuphikisana.
Kusukela kulezi zingu-4 000 zama Euro zidonsa ama-Euro angu-300 ngezintela zamanje, ushiywe ngama-3 700 ama Euros. Ukukhipha i-Euro eyizinkulungwane ezilinganayo zokunakekelwa kanye nomshuwalense (uma uzimisele kakhulu) futhi ufika ku-€ 2,700. Yilokho, uma kuqhathaniswa, impahla yakho izobe ibiza wena ngonyaka ngonyaka lentengo yokuthenga.
Manje njengoba ucabanga ukuthi wakwazi ukukhipha ikhaya lamaholide ngama-75,000 ama-Euro, kanye nezinkokhelo nezintela ezingu-5,000 zama-Euro ... futhi uzobona ukuthi udinga ukuchitha iminyaka engamashumi amathathu ukuholide amaviki amahlanu ukuze uhlanzeke.
Khona-ke futhi: Uma nje uvumela abangane nomndeni ukuba bahlale lapho, noma ngisho baqashise, izindleko ziyobe zinciphisa.