Letter kubweza

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Kodi uphungu ndi chiyani?

Mu lamulo lachi German, pali mitundu iwiri ya ngongole yaikulu. ndi Letter kubweza ndi Encumbrance, Pankhani ya ngongole yochokera ku kalata, mgwirizano wokhala ndi ngongole yokhala ndi chisindikizo udzaperekedwa ndi ofesi yoyenera kulembetsa malo. Chinthu chofunika kwambiri ndicho kusamalira bwino ntchitoyi (mwachitsanzo, pamene wobwereketsa akufunika kapena akusinthidwa mwadala). Ngongole ndi ngongole yapadera. Amagwiritsidwa ntchito mu mawonekedwe owonjezera. Kalatayo imaperekedwa kwa wobwereketsa, kuti alandire ufulu wonse ku ngongole yachinsinsi. Kusamutsidwa kwa ngongole yaikulu ndi kalata kungakhoze kupyolera mwa zolembedwa cession komanso kalata yopititsa kapena ntchito yovomerezeka, komanso kalata yopititsa komanso kulembetsa zolembera. Komanso kalata yothetsera ngongole ikhoza kupatsidwa, chifukwa ndizolembedwa zolemba zomwe zalembedwa. Pakangotumizira kalata yamtengo wapatali, ntchitoyo imangomangidwa mwalamulo. Ngongole yaikuluyi imagwiritsidwa ntchito mobwerezabwereza kusiyana ndi kubwereketsa ndalama, chifukwa 25% ndi yapamwamba pamabuku olembetsera malo ndipo kotero chikalata chingatheke. Malingaliro okwera mtengo kwambiri okhudza ziphuphu zikanakhala zofunikira pamenepo.

Ngongole ya Letteral - Chigamulo cha Dziko

Ngongole ya ngongole ndidi yobwereka. Nthaŵi zonse amalowetsa chiwembu cholembera. Mosiyana ndi mwini nyumba ya ngongole, yomwe imangosindikizidwa ndi kulembera m'ndandanda wa dziko, mawonekedwe a ngongole imayambitsa kulandira kalata ya ngongole. Chilengedwe ichi chimagwirizanitsidwa ndi mtengo wapamwamba.
Ngongole yobwereka kawirikawiri imasungidwa ngati ngongole ya ngongole. Pachifukwa ichi, ngongoleyi imaperekedwa ndi mabanki kwa malo omwe amatha kutenga, zomwe zikutanthauza kuti kubwereka kwachindunji ndizomwe zimagwiritsidwa ntchito podula katundu. Koposa zonse, poyang'anira ngongole za nthawi yayitali komanso zoopsa kwambiri komanso zogulitsa ngongole, ngongoleyi imakhala ngati chitetezo cha mabanki. Makampani a ngongole amatero chifukwa cha kuphwanya malipiro.

Pa chitsimikizo pa maziko a kalata yomwe imagulitsa ngongole

Wogulitsa ngongole (mwachitsanzo, banki) amapatsidwa ufulu wolojekera katunduyo ndi katundu amene wobwereketsayo akuyenera ngati wogulitsa ngongole sangathe kupereka malipiro a msonkho kuchokera ku mgwirizano wake wa ngongole. Ndalama zochokera kumagwiritsidwe ntchito zimagwiritsidwa ntchito kulipira ngongole zochepa kwa wobwereketsa. Ngati wobwereketsa ali ndi ngongole zingapo ndi okwanira ngongole omwe atetezedwa ndi ngongole yaikulu, ndiye kuti ndalamazo zimagwiritsidwa ntchito koyambirira, zomwe poyamba zinkalembetsedwa mu zolembera za nthaka. Kotero, dongosolo la zolembedwera mu zolembera zamtundu zimatsimikizira kuti ngongole ziti zidzabwezeredwa poyamba.
Chodziwika ndi ngongole yaikuluyi ndi kukonzekera kalata yaikulu ya ngongole imene wobwereketsayo amalandira. Zonse zowonjezereka zimalowa muzinthu zoyenera kubwereka, zomwe zili m'kaundula. Ufulu wa ngongole yapadera imasamutsidwa kwa wobwereketsayo mwa kupereka ndalama zogulitsa ngongole. Ngongole yaikulu ndi kalata ikhoza kungotumizidwa kwa ena ngongole ndi ntchito yolembedwa, yomwe ingadziŵike ngati ikufunidwa. Komabe, kutumizidwa kwa kalatayo sikunalembedwe momveka bwino m'kaundula ka nthaka.

Ubwino ndi kuipa:

Chinthu chofunika kwambiri pa ngongole yolemba kalata ndi yakuti, ngati pali ntchito yomwe ingatheke kuchokera ku ngongole yaikulu kwa wina wogulitsa ngongole, palibe cholembera cholembera nthaka. Ntchitoyi siidaliwonekera kwa anthu apakati ndipo palibe malipiro atsopano olembetsera nthaka. Chosowa chachikulu cha ngongole yokhala ndi kalata ndi mtengo wapamwamba: chifukwa cholembera kalata yoyamba ya ngongole, pafupifupi 25 peresenti yowonjezera ndalama zowonjezera kuposa momwe zilili ndi ngongole yopanda kanthu-kubwereka. Ngati kalata ya ngongole ikutha, amadziwika kuti alibe mphamvu kudzera mwa otchedwa "Aufgebotverfahren".

Lamulo ndi kuchotsa msonkho wa dziko

Ngati mwini mwiniyo akuvomereza malo ndi katundu amene ali ndi ndalama kuti apeze ngongole, ndiye kuti zolembedwazi zimagwiritsidwa ntchito. Zolembera zamtunda zikuphatikizidwa ndi zolemba zolembera. Chofunika cholowera ku zolembera za malo ndi chilolezo chovomerezedwa poyera cha mwiniwake, chomwe chiyenera kupezeka ku Land Registry Office. Kuchotsa ngongole yofunikira yomwe mukufunikira ngongole yoyamba ndi chilolezo chovomerezeka chochotsedwa kwa wobwereketsa. Kubwereka kwa kalata yaikulu ya ngongole yokha sikungathandize kuthetsa ngongole yaikulu.

Zotsatira Zofanana:

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