09/28/2023

Mukamagula kapena kukonzanso ndalama, ndikofunikira kudziwa mtengo wolondola wamsika wa malo anu.Pokhapokha ngati kasitomala atha kupeza Property Inspection Waiver (PIW), lipoti loyesa lidzakhala chida chofunikira kwambiri potsimikizira mtengo wamsika wa katunduyo.Anthu ambiri amasokonezeka ndi ndondomeko ndi njira zoyezera nyumba.Pansipa, tiyankha mafunso awa.

Ⅰ.Kodi lipoti lowunika ndi chiyani?
Lipoti loyesa malo limaperekedwa ndi katswiri woyesa nyumba akamaliza kafukufuku wapamalo ndikuwonetsa mtengo weniweni wamsika kapena mtengo wanyumbayo.Lipotili lili ndi tsatanetsatane wa manambala monga masikweya, kuchuluka kwa zipinda zogona ndi mabafa, kusanthula kwa msika (CMA), zotsatira zamtengo wapatali, ndi zithunzi za nyumbayo.

Lipoti la kuyesako limaperekedwa ndi wobwereketsa.M’pofunika kuonetsetsa kuti nyumbayo ndi yaukhondo komanso yosamalidwa bwino isanayesedwe.Ngati mwakonzanso kapena kukonzanso posachedwapa, perekani zipangizo zoyenera ndi ma invoice kuti wobwereketsayo amvetse bwino mmene nyumbayo ilili.

Potsatira zofunikira za Appraisal Independence Requirements (AIR), obwereketsa adzasankha owerengera mosasamala potengera malo omwe malowo ali kuti awonetsetse kuti ali ndi cholinga komanso chilungamo pakuwunika.Kuti apewe kusagwirizana kwa chidwi, owerengera ayenera kupewa kukhala ndi chidwi chaumwini kapena zachuma pa malo omwe akuwunikiridwa kapena wofuna kuwunika.

Kuphatikiza apo, palibe chipani chomwe chili ndi chiwongola dzanja chokhazikika pangongolecho chomwe chingakhudze zotsatira zake mwanjira iliyonse kapena kutenga nawo gawo pakusankha oyesa.

Malipiro amasiyana malinga ndi dera komanso mtundu wa katundu.Mukafunsira kubwereketsa, tidzakupatsani chiyerekezo cha mtengo wake.Ndalama zenizeni zimatha kusinthasintha, koma kusiyana kwake nthawi zambiri sikofunikira.

Ⅱ.Mafunso Odziwika Pakuyesa

1. Q: Tiyerekeze kuti nyumba yatseka escrow & yojambulidwa dzulo.Kodi zingatenge masiku angati kuti mtengo wa nyumbayi uvomerezedwe ndi wowerengera ngati wofananiza?
Yankho: Ngati chinajambulidwa dzulo ndipo zojambulidwazo zilipo, zitha kugwiritsidwa ntchito lero.Koma mautumiki ambiri omwe timagwiritsa ntchito nthawi zambiri amatenga masiku 7 kuti tiwone.Pankhaniyi, mutha kupereka chidziwitso chojambulira kwa wowerengera, kuphatikiza nambala yojambulira.

2. Q: Wofuna chithandizo wapanga ntchito yololedwa yokulitsa yomwe yamalizidwa koma sanadutsebe kuyendera komaliza kwa mzindawu.Pamenepa, kodi malo owonjezerekawo angagwiritsidwe ntchito poŵerengera?
Yankho: Inde, malo owonjezerekawo angagwiritsidwe ntchito pounika, koma lipoti la kuŵerengera liyenera kuyang’aniridwa komaliza kwa mzindawo, monga ngati kuti nyumbayo ndi yatsopano, ndipo ngongoleyo ingafunikire kudikira mpaka kuyendera komaliza kudzatha.Choncho, ndi bwino kuyitanitsa kuwunika pambuyo pomaliza kuyendera mzindawu.

3. Q: Mkhalidwe wa dziwe ndi woipa, ndi algae wobiriwira.Kodi nkhaniyi ikhudza bwanji?
Yankho: Ndizovomerezeka ngati vuto la algae wobiriwira silili lalikulu.Komabe, ngati pali algae wochuluka kwambiri moti simungathe kuwona pansi pa dziwe, ndiye kuti sizovomerezeka.

4. Q: Ndi ADU yamtundu wanji yomwe ili yovomerezeka ndipo ingaphatikizidwe mumtengo woyeserera?
A: Kuvomerezedwa kwa ADU nthawi zambiri kumagwirizana ndi ngati ili ndi chilolezo.Otsatsa kapena olemba pansi adzafunsa ngati pali chilolezo.Ngati pali imodzi, idzakhudza mtengo wake.

5. Q: Momwe mungatsutse molondola komanso mogwira mtima za mtengo woyezera?
Yankho: Ngati pali zofananira zina zomwe woyesayo sanaganizire, zitha kuganiziridwa.Komabe, mukangonena kuti nyumba yanu ndi yokongola, yamtengo wapatali, palibe ntchito.Chifukwa mtengo woyezera uyenera kuvomerezedwa ndi Wobwereketsa, muyenera kupereka umboni wotsimikizira zomwe mukufuna.

6. Q: Ngati chipinda chowonjezeracho chilibe chilolezo, mtengo wake sudzawonjezeka mofanana, sichoncho?
Yankho: Nthawi zambiri anthu amatsutsa kuti ngakhale nyumba ilibe chilolezo, koma idawonjezedwa, imakhalabe ndi phindu.Koma kwa Wobwereketsa, ngati palibe chilolezo, ndiye kuti palibe phindu.Ngati mwakulitsa nyumba popanda chilolezo, mutha kugwiritsabe ntchito malo owonjezera bola ngati palibe mavuto.Komabe, mukafuna chilolezo, mwachitsanzo, mukafuna kukulitsa nyumba yanu mwalamulo, boma la mzindawo lingafunike kuti mubwezere chilolezo chomwe simunachipeze m'mbuyomu.Izi zidzakulitsa ndalama zambiri, ndipo mizinda ina ingafunike kuti muchotse gawo lomwe silinapeze chilolezo.Chifukwa chake, ngati ndinu wogula, ndipo nyumba yomwe mukugula pano ili ndi chipinda chowonjezera, koma simukudziwa ngati pali chilolezo chovomerezeka, ndiye kuti pambuyo pake mukafuna kukulitsa nyumbayi, mungafunike kuwononga ndalama. ndalama zowonjezera kuti mupeze chilolezo chofunikira, chomwe chidzakhudza mtengo weniweni wa nyumba yomwe mudagula.

7. Q: Mu code ya positi imodzimodziyo, kodi chigawo chabwino cha sukulu chidzawonjezera mtengo woyesa?Kodi wowerengera amayang'anitsitsa kwambiri masukulu asukulu?
Yankho: Inde, kusiyana kwa madera a sukulu ndikofunika kwambiri.M'dera lachi China, aliyense amadziwa kufunika kwa zigawo za sukulu.Koma nthawi zina woyesa sangamvetse momwe zinthu zilili kudera linalake, akhoza kungoyang'ana chigawo cha sukulu mkati mwa mtunda wa makilomita 0,5, koma sakudziwa kuti msewu wotsatira ndi chigawo cha sukulu chosiyana kwambiri.Ichi ndichifukwa chake pazinthu monga zigawo za sukulu, ngati wowerengera satenga nthawi kuti amvetsetse, ogulitsa nyumba amafunika kuwapatsa chidziwitso chofanana ndi chigawo cha sukulu.

8. Q: Kodi ndi bwino ngati kukhitchini kulibe chitofu?
Yankho: Kwa mabanki, nyumba yopanda chitofu imatengedwa kuti ndi yosagwira ntchito.

9. Q: Kwa chipinda chowonjezera chopanda chilolezo, monga kutembenuza garaja kukhala bafa yodzaza, malinga ngati khitchini yopangira gasi sichinakhazikitsidwe, kodi ikhoza kuonedwa kuti ndi yotetezeka?
A: Ngati nyumba yonseyo ikusamalidwa bwino kapena ili bwino, kapena palibe zolakwika zakunja zowonekera, wolembayo sadzakhala ndi nkhawa zokhudzana ndi chitetezo.

10. Q: Kodi mungapange 1007 pa malo obwereketsa angagwiritse ntchito ndalama zobwereka kwakanthawi kochepa?
Yankho: Ayi, sikungakhale kotheka kupeza zofananira zoyenera zothandizira ndalama zobwereketsazi.

11. Q: Kodi mungawonjezere bwanji mtengo woyesa popanda kukonzanso?
A: Ndizovuta kuonjezera mtengo woyezera muzochitika izi.

12. Q: Kodi mungapewe bwanji kuyang'ananso?
Yankho: Onetsetsani kuti zonse zomwe mumapereka ndi zolondola komanso zaposachedwa, zomwe zingachepetse mwayi wounikanso.Pogwira ntchito zofananira, onetsetsani kuti mwapereka zikalata zolondola, maumboni, ndi zida.Komanso, onetsetsani kuti mwamaliza kukonzanso koyenera malinga ndi zofunikira, ndikuwunika moyenera ndikukonza kuti nyumbayo ikwaniritse zofunikira.

13. Q: Kodi nthawi yovomerezeka ya lipoti loyesa ndi yayitali bwanji?
A: Nthawi zambiri, tsiku logwira ntchito la lipoti loyesa liyenera kukhala mkati mwa masiku 120 kuchokera tsiku lolemba.Ngati zadutsa masiku 120 koma osati masiku 180, chikalata chotsimikiziranso (Fomu 1004D) chiyenera kuchitidwa kuti zitsimikizire kuti mtengo wa katunduyo sunatsike kuyambira tsiku loyambira la kuwunika kwa ntchitoyo.

14. Q: Kodi nyumba yomangidwa mwapadera idzakhala ndi mtengo wapamwamba woyesa?
Yankho: Ayi, mtengo wake umadalira mitengo yogulitsira nyumba zomwe zili pafupi.Ngati kumanga nyumbayo kuli kwapadera kwambiri ndipo palibe zofananira nazo zomwe zingapezeke, mtengo wa nyumbayo sungathe kuyerekezedwa molondola, motero kupangitsa Wobwereketsa kukana pempho la ngongole.

Lipoti la kuwunika siliposa nambala chabe;Zimaphatikizapo ukatswiri ndi zochitika zowonetsetsa kuti malonda ndi nyumba ndi zachilungamo.Kusankha wowerengera wodalirika komanso wodalirika komanso wobwereketsa kumatsimikizira kuti ufulu wanu ndi zokonda zanu zimatetezedwa momwe mungathere.AAA nthawi zonse imatsatira mfundo ya kasitomala poyamba ndikukupatsirani ntchito zaukadaulo komanso zoganizira.Kaya mukugula nyumba kwa nthawi yoyamba, mukufuna kudziwa zambiri za kuyezetsa nyumba, kapena mukufuna kufotokozera musanagule nyumba kapena kufunsira ngongole, tikukulandirani kuti mutilankhule nthawi iliyonse.

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