Kuchotsa katundu ku Sberbank ya ngongole: zikalata, mawu, ndemanga

Otsatsa mabanki amadziwa kuti polembetsa ngongole iwo amakhala eni malo awo okhala, omwe amagulidwa chifukwa cha ngongole, koma malonda akukhalapo. Mwini nyumbayo adzakhala ngongole, koma sizinthu zonse zomwe zingagwirizane nazo zingatheke popanda banki. Pambuyo pa kulipira ngongole, kusungidwa kwa ngongole kumachotsedwa. Sberbank, monga mabungwe ena, akufuna kuti azichita mwatsatanetsatane.

Malipiro omalizira

Kulipira ngongole ndi kovuta. Ndikofunika kukumbukira tsiku la kulipira, kuti lisalembedwe pa mndandanda wa owonetsa. Koma patapita nthawi yaitali malipiro, tsiku lachigawo chomalizira likubwerabe. Pambuyo pake, ndikumayambiriro kwambiri kuti mupumule. Kuti mukhale mwini wathunthu wa malo ogulitsa nyumba, m'pofunika kuchotsa katundu pa ngongole. Sberbank pansi pa ndondomekoyi si yosiyana kwambiri ndi mabungwe ena a ngongole.

Lingaliro la

Kukhumudwa kumaphatikizapo zinthu zomwe zimachepetsa zochita za mwini nyumba. Mwachitsanzo, simungagulitse nyumba, kusinthanitsa, kupititsa patsogolo, kapena kulembetsa wachibale. Icho chidzagwira ntchito, koma ndi chilolezo cholembedwa cha banki, chomwe chimatchedwa pledgee. Zomwe mukuchita ndikuletsedwa, zidalembedwa mu mgwirizano.

Ngakhale kupanga malipiro omalizira sikuchotsa zoletsera ku malo okhala. Kuchokera kwa encumbrances kuchokera ku nyumba pa ngongole sikunagwiridwe ndi Sberbank yekha. Pachifukwa ichi, wofuna chithandizo ayenera kuitanitsa ulamuliro wolembetsa ndi ndemanga. Kodi ndizinthu zofunikira ziti, zomwe ziyenera kufotokozedwa mu Rosreestr. Ngati vutoli lisanatuluke nthawi, limakhala vuto la mtsogolo. Mwachitsanzo, pogulitsa malo ogulitsa nyumba, ambiri sangagwirizane kugula nyumba ngati imeneyo.

Documents

Ndondomeko yochotsa chisokonezo kuchokera ku nyumba pa ngongole ya Bank Savings ikuchitika malinga ndi malamulo omwe alipo. Mukamapereka malipiro otsiriza kubanki, muyenera kutenga kalata yopanda ngongole. Zimaperekedwa pambuyo pa masiku atatu komanso kwaulere. Tsamba ili siloyenera, koma ndibwino kuti mukhale nalo. Pali milandu pamene mawerengero osayenerera mu akaunti alipo kopecks ya ngongole. Kenaka amaimbidwa ndi chilango, malipiro, chifukwa cha zomwe kasitomala angathe kuchedwa.

Kulandira zikalata zochotseramo encumbrances pa ngongole ya Rosreestr. Sberbank adzakupatsani chikalata chosowa ngongole. Ndikofunika kusonkhanitsa malemba awa:

1. Kalata yochokera ku banki yotsimikizira kusagwira ntchito kwazinthu zomwe zili pansi pa mgwirizano. Nthawi zina ndondomeko ya ngongole iyenera kuperekedwa kwa iye.
2. Ndondomeko ya mapepalawo inasaina ndi kutsimikiziridwa ndi ogwira ntchito ku banki. Zitsanzo zake zingapezeke ku banki kapena ku Bungwe lolembetsa.
3. Chigwirizano cha kubwereka ndi buku lake.
4. Choyambirira ndi chikwangwani cha ngongole, yomwe imasonyeza ntchito ya maudindo, komanso tsiku lakukula.
5. Ma pasipoti a anthu omwe amasonyezedwa mu kalata ya umwini. Ayenera kukhalapo panthawi yofunsira.
6. Chiphaso cha umwini.
7. Chitsimikizo cha kulipira ntchito ya boma.
8. Chigamulo cha khothi, ngati mgwirizano wa ngongole unatha kugwira ntchito pa maziko ake.

Mndandanda weniweni wa zikalata ungapezeke muulamuliro wobatizidwa pamalo okhala. Zofunikira zimasiyanasiyana m'madera onse. Amapangitsa kuchotsedwa kwa ngongole ya ngongole ya Rosreestr. Malemba Sberbank akupereka kupereka mwamsanga mutangotha kulipira ngongole, kotero kuti ndondomekoyo inatsirizidwa mu nthawi.

Fomu yofunsira

Gawo lofunika ndikulemba ntchito. Amadziwika ngati:

• Zambiri za mwini wake;
• Dzina, zofunika;
• Deta yachinsinsi;
• Kudziwa kuti palibe choyenera;
• Pempho lochotseratu chithunzithunzi.

Lembani pamapepala A4.

Zosiyanasiyana za kuwonetsera zikalata

Kodi kuchotsa katunduyo kuli pati? Sberbank amapereka makasitomala kuti alankhule ndi Rosreestr. Ndiwe nokha amene ungachite m'njira zingapo. Njira yoyenera ndi yokondweretsa ku Federal Service for Registration State. Pankhaniyi palibe otsogolera, zochitazo zikuchitidwa mwachindunji ndi omwe ali kasitomala kapena oimira mabanki.

Mukhoza kutumiza zolemba ndi makalata m'kalata yamtengo wapatali. Zisinthano pazinthu zovomerezeka zimatsimikiziridwa ndi mlembi, koma kalata yokha imatumizidwa ndi mndandanda wa zojambulidwa ndi chidziwitso cha kubereka. Koma njirayi idzatenga nthawi yambiri - kuyendera mlembi, kutumiza kuchoka. Koma adzalandira umboni watsopano.

Kodi kuchita kuchotsedwa kwa encumbrance pa ngongole ya Sberbank mu MFC. Mabungwe amenewa amagwira ntchito m'mizinda yambiri, kugwira ntchito zosiyanasiyana. Poyamba, malowa adalengedwera kuti zikhale zosavuta kuti pulogalamuyi ikhale yophweka ndikufupikitsa mawu akupha. Koma pakuchita, chirichonse sichimawoneka chimodzimodzi monga choncho. Malamulo a kuphedwa adawonjezeka chifukwa chakuti msilikaliyo amachitira zolembera zikalata.

N'zotheka ndi njira ina yothetsera kuchotsedwa kwa ngongole. Sberbank akupereka kugwiritsa ntchito njira yabwino - kudzera pa intaneti. Ndikofunika kugwiritsa ntchito pa tsamba la State Service.

Komabe pali mwayi wokwaniritsa njirayo mothandizidwa ndi enieni ndi mabungwe omwe amachita ntchito zoterezi. Iwo adzachita ntchito yonse, koma izo sizingakhale zaulere.

Kuwonekera kukhoti

Nthawi zina kuchotsedwa kwachinsinsi sikungatheke ndi chilolezo cha pledgee, choncho zonse zimaperekedwa kudzera m'khoti. Izi zidzakhala choncho ngati:

• Banki yatsekedwa;
• Wokhalamoyo adatha;
• Bwana sakufuna kuthetsa vutoli mwadzidzidzi;
• Wokongolayo adatha.

Pazochitikazi, muyenera kupereka khoti ndi mgwirizano, kufufuza, zikalata pa cholowa. Kenaka ndondomekoyi idzakhala yotalika. Izi zidzakambidwa mlandu ku khothi, ndiyeno msonkhano udzakonzedwa. Ngati khoti likupanga chisankho chabwino, muyenera kuyembekezera kuti ligwire ntchito. Kenaka ntchitoyi imatumizidwa ndi Chamber Registration kuti achotse chigamulocho ndi chisankho cha khoti.

Ndondomeko ya ndondomeko

Ndondomeko yochotsera kusungidwa kwa ngongole ku Bank Savings ikuchokera pazigawo izi:

1. Kulemba mapepala ku banki. Muyenera kutenga zolemba zoyambirira ndikupanga zolemba zofunika.
2. Malipiro a ntchito za boma.
3. Lembani muzitsulo zamagetsi za Rosreestra.
4. Kukumana ndi wogwira ntchito ku banki, kumupempha iye kuti athandizidwe.
5. Kuchokera kwa chiphaso kuchokera kwa wolembetsa ponena za kulandira zikalata.
6. Patsiku lokhazikitsidwa, muyenera kupita ku Khoti Lolembetsa ndi kulandira zikalata zokhudzana ndi kuchotsedwa.

Kodi zimatengera nthawi yaitali bwanji kuchotsa katundu pa ngongole ya Sberbank? Umboni umasonyeza kuti zimatenga pafupifupi mwezi, koma zingatenge ziwiri. Njirayi iyenera kutsatidwa mwamsanga pambuyo pa kubwezera kwa ngongoleyo, chifukwa m'tsogolomu sipadzakhala mavuto ndi kugulitsa katundu. Ndondomeko yakuchotsa ngongole ku Sberbank ndi yofanana ndi mabungwe ena.

Nthawi

Ndikofunikira kuti panthawi yake pakhale kuchotsedwa kwa ngongole ku Bank Savings. Nthawi yomalizirayi yatsimikiziridwa kuti izi zitheke. Ndibwino kuti muyankhule ndi banki mwezi umodzi isanachitike kukonzekera mgwirizano. Nthawi ino ndi yokwanira kuti ziwerengedwe, zolembera zolemba zofunika ndi zina zonse.

Pomwe kuthekera kwachitika ndipo mapepala atumizidwa ndi Rosreestr, ndiye pambuyo pa masiku atatuwo amaperekedwa kuti apange zolembera pa malipiro a ngongole. Choncho, sipangakhale kuchedwa. Izi zikugwiritsidwa ntchito pazochitika zomwe zimachitika ndi wobwereka. Tiuzeni ndi mawu mu EGRP.

Ngati simutenga njira iliyonse, koma ingogwiritseni ntchito ku banki, muyenera kuyembekezera masiku makumi asanu ndi awiri (45) mpaka mutangotsala pang'ono kuchoka kwa wobwereka wakale. Mwachizoloŵezi, amachotsedwa pambuyo pa kutengako ngongole, malonjezo a Rosreestor ndi mabanki ndi kupanga chisankho.

Izi zingatenge pafupifupi miyezi itatu. Choncho, ngati ntchitoyo silingatumizedwe ndi woyimilira ku banki kapena kasitomala mwiniwake, kutsekedwa kwachinsinsi kumeneku kukuchitika mkati mwa miyezi itatu.

Kwa zaka zitatu omwe kale analipira ngongole amafunika kusunga zigawo, mapepala a msonkho ndi zolemba zina zokhudzana ndi banki. Ili ndilo lamulo la zoperewera, zomwe ziyenera kuyembekezera ndi kusawonongera malemba pa ngongole. Pambuyo pokonzanso ndi Rosreestr, wogulitsa angayambe kulembera malemba alamulo pamalo ogula nyumba, komwe padzakhala chizindikiro cha banki. Koma ntchito iyi imalipidwa - muyenera kulipira malipiro a boma.

Kugulitsa katundu

Ndikofunika kudziwa momwe mungagulitsire nyumba, ngati akadali pansi pa ngongole. Izi zimachitika pamene wobwereka alibe ndalama kapena ali ndi vuto lolipirira ngongole, chifukwa cha ngongole yomwe imakhala yogula. Kulipira ngongole, malo ogulitsa katundu ayenera kugulitsidwa, ndi ndalama zogulira ngongole. Wopatsa chithandizo ali ndi ndalama zatsala.

Kudziimira payekha kuti agulitse malo ogulitsa nyumbazo zidzakhala zovuta, monga banki ikuyang'anira malonda onse omwe wobwereka amayesera kuchita ndi chikwama. Kuwonjezera pamenepo, pofuna kugulitsa, ndikofunika kuti chinthucho sichilemedwa. Choncho, msonkhowo ukhoza kuchitidwa ndi chilolezo cha banki yokha.

Wogula ayenera kutenga chikalata kuchokera ku Unified State Register of Trade Unions za kuchuluka kwa ngongole ya ngongole. Zimayenera kuti mudziwe kuchuluka kwa ndalama zomwe zikulipira ngongole. Mwachizoloŵezi, kuchotseratu kwachinsinsi kumatenga pafupifupi miyezi iwiri. Koma mabanki akhoza kuchepetsa nthawi. Ndondomeko yokha si yovuta, mumangoyenera kudutsa nthawiyo.

Kuthetsa mikangano

Kawirikawiri zimatengera nthawi yambiri kuchotsa vutoli kusiyana ndi kupanga ngongole. Chifukwa cha ichi ndi kufufuza kwakukulu kwa oyang'anira ngongole ngati chirichonse chinalipiridwa ndi wobwereka. Koma izi zikhoza kukhala chifukwa cha njira zamakono zomwe zimapereka kuwunika ndikukonzekera Register of Rights.

Kawirikawiri, palinso zochitika zoterezi pakatha miyezi iwiri mgwirizano watsekedwa, tcheru timalandira za kufunikira kulipira ndalama zina. Ngati izi zidachitika, muyenera kuitanitsa ku banki ndi chiphaso cholipira ngongoleyo. Zingakhale zolakwika zenizeni kapena kusayenerera kwaumunthu.

Chilango cha Chilango

Palinso zochitika ngati wolemba kasitomala sanapereke malipiro ake panthawi yake, ndipo chilango chinawonekera, chomwe sichinalipidwe. Milandu imeneyi nthawi zambiri, kotero iyenera kukhala okonzeka. Ngati bankiyo inalamula ngongoleyo, ndi bwino kulipira, kutseka ngongoleyo. Pali makasitomala omwe amakangana pa zochitika zoterozo, kukana kulipira. Kenaka banki ikupita kukhoti, zomwe zimapangitsa chisankho kukhala chovomerezeka. Ndipo wofuna yekhayo ayenera yekha kulipira ndalama zomwe wapatsidwa.

Pamene chisokonezocho chichotsedwa, mwini wake wa malonda amakhala mwini wake wamphumphu. Choncho, akhoza kupanga zokopa zosiyanasiyana, mwachitsanzo, kugulitsa, kusinthanitsa, kubwereketsa. Ndipo zonse zidzachitika mwalamulo.