M'malo ovuta kwambiri, kulephera kwa mabanki kumayika chiwopsezo chachikulu chazamalamulo ndi zachuma kwa ogula, osunga ndalama, ndi okhudzidwa. Kaya m'chigawo chomanga chisanadze kapena m'magawo atsopano okhalamo, kugwa kwadzidzidzi kwa wopanga mapulogalamu kumatha kusokoneza nthawi ya umwini, kutaya madipoziti ogula, ndikuyambitsa milandu yodula. Ndi misika yogulitsa nyumba padziko lonse lapansi ikupitiliza kukopa ndalama zapakhomo ndi zapadziko lonse lapansi, kufunikira kwa njira zochepetsera zoopsa ndizofunikira kwambiri kuposa kale.
Nyumba zogulitsanso zimakhalabe gawo lokhazikika pamsika, koma ogula akuganizira za zatsopano ayenera kuyandikira mosamala. Kufufuza Toronto real estate mindandanda ingathandize kuzindikira katundu ndi thandizo lamphamvu lazachuma ndikukhazikitsa zolemba zomaliza - zizindikiro zazikulu powunika kudalirika kwa gulu lachitukuko.
Kutetezedwa Mwalamulo kwa Ogula ndi Ogulitsa
Imodzi mwa mizere yoyamba yodzitchinjiriza kwa ogula ndi chitetezo chokhazikitsidwa ndi malamulo a condominium a Ontario. Pansi pa lamulo la Ontario Condominium Act, ogula mayunitsi omanga asanamangidwe amapatsidwa nthawi yoziziritsa ya masiku 10 kuti awonenso zikalata zamalamulo ndikutha kusiya kugula popanda chilango. Chofunika koposa, opanga mapulogalamu amafunikira kuyika ma depositi ogula mu maakaunti odalirika, omwe amatetezedwa ndipo, nthawi zambiri, amakhala ndi inshuwaransi ndi mapulogalamu monga Tarion Warranty Corporation.
Kuphimba kwa Tarion kumaphatikizapo chitetezo cha deposit mpaka malire otchulidwa, komanso kuchedwa kutseka chipukuta misozi. Komabe, chitetezo chimasiyanasiyana malinga ndi mtundu wa unit ndi mtengo wogula. Ogula ayenera kuyang'anitsitsa mgwirizano wawo wogula ndi kugulitsa kuti adziwe kuchuluka kwa kuphimba uku. Kulephera kutero kungapangitse kuti ndalama ziwonongeke kwambiri ngati wokonza mafayilo alephera kubweza kapena kusiya kugwira ntchito.
Ma Escrow Structures ndi Trust Provisions
Zomangamanga za Escrow ndi njira ina yochepetsera chiwopsezo yomwe idapangidwa kuti iwonetsetse kuti ndalama zogulira zimasungidwa motetezeka mpaka zomwe polojekiti ikwaniritse. Maakaunti a Legal trust omwe amayendetsedwa ndi makampani azamalamulo a chipani chachitatu amapereka chitsimikizo chowonjezera, kulekanitsa ndalama za ogula kuchokera ku maakaunti ogwiritsira ntchito. Kupatukana kumeneku kumalepheretsa kugwiritsidwa ntchito molakwika komanso kumawonjezera mwayi wochira muzochitika za bankirapuse.
Ogula omwe akugwira ntchito kudzera m'mabizinesi omwe ali ndi zilolezo komanso oyimilira zamalamulo nthawi zambiri amakhala ndi chidwi chachikulu pazandalama zomwe zimalumikizidwa ndi gawo lawo. Mchitidwe wokhazikika wamakampani umaphatikizapo kuwululidwa kwatsatanetsatane kwa magawo osungitsa ndalama komanso momwe amatulutsira. Komabe, osunga ndalama ayenera kupempha nthawi zonse kuti awonetsetse momwe ndalamazo zimagwiritsidwira ntchito komanso momwe zingatulutsidwe msanga kapena kubwezeredwa.
Kulimbikira Kwambiri ndi Kuwunika kwa Madivelopa
Imodzi mwa njira zothandiza kwambiri zopewera ndikusamala mosamalitsa kwa wopanga mapulogalamuwo. Ogula akuyenera kufufuza momwe polojekitiyi inamalizidwira, kutha kwachuma, milandu yomwe ikuyembekezera, komanso kukhutira kwamakasitomala. M'misika yofunikira kwambiri, opanga atsopano akulowa m'malo, koma si onse omwe ali ndi ndalama zokwanira kapena odziwa zambiri.
Ndikoyenera kuunikanso za kulembetsa kwa wopanga mapulogalamu ndi Tarion ndi Home Construction Regulatory Authority (HCRA). Mabungwewa amasunga zolemba za omanga omwe ali ndi zilolezo ndikuzindikira omwe ali ndi mbiri yakuphwanya zitsimikizo, zilolezo zoyimitsidwa, kapena madandaulo ogula. Kuphatikiza apo, ogula atha kupempha ma statement azachuma owerengeredwa, ma bond ogwirira ntchito, kapena makalata angongole omwe amapereka chithandizo china ngati projekiti yasiyidwa.
Zothandizira Zamalamulo Pazochitika Zakusokonekera
Pamene wopanga alemba kuti bankirapuse, ogula nthawi zambiri amakhala ongongole osatetezedwa. Izi zimawalepheretsa kubweza ndalama, makamaka ngati wopanga mapulogalamu ali ndi udindo wopitilira mabungwe azachuma. Zikatero, trustee wa bankruptcy adzayang'anira kuchotsedwa kwa katundu, ndipo ogula ayenera kupereka zodandaula za ngongole kuti athe kubweza gawo la ndalama zawo.
Njira zamalamulo zimadalira kwambiri chilankhulo choyambirira cha panganolo. Ogula omwe ali ndi ziganizo zomveka bwino za kubweza ndalama, zopereka za escrow, kapena ufulu wothetsa msanga ali pabwino. Ngati mgwirizanowo ulibe chitetezo chokwanira chalamulo, ogula angafunikire kutsutsa milandu, nthawi zambiri popanda kupambana. Kwa osunga ndalama omwe ali ndi ndalama zogulira ntchito kapena kugula zinthu mongoyerekeza, kuwonekera pachiwopsezo kumatha kukhala kokwera kwambiri.
Zosankha za Inshuwaransi ndi Mavuto a Zachuma
Ogula ena atha kusankha ndalama zowonjezera za inshuwaransi kuposa momwe Tarion amafikira. Inshuwaransi yadipoziti yochokera kumakampani ena kapena zinthu zandalama zomwe zimalimbana ndi kuchedwa ndi kuletsa kwanyumba zikugulitsidwa kwambiri. Komabe, zinthuzi zimasiyanasiyana pamtengo, kuchuluka kwake, komanso kukakamiza. Kufunsana ndi loya wa malo ndi malo musanalowe mgwirizano wogula ndikofunikira kuti muwunike zida za inshuwaransi zomwe zilipo komanso zida zochepetsera ngozi.
Ogula ayeneranso kuganizira za kukonzekera mwadzidzidzi. Izi zikuphatikiza kukhalabe ndi chitetezo chandalama pakachedwa, kuwunika kusinthasintha kwa kugulitsa ntchito, ndikuwunika ngati zilolezo zachiwongolero chanyumba zitha kutha ntchito isanamalizidwe. Izi zitha kufewetsa kuchedwa komwe kumachitika chifukwa chabizinesi kapena kuyimitsidwa kwa zomangamanga.
Kutsiliza
M'dziko losasinthika la chitukuko cha malo, chitetezo cha ogula chiyenera kuyamba kale mapangano asanasainidwe. Pogwiritsa ntchito njira zotetezera zamalamulo, kufunafuna ma depositi owonekera, ndikuwunika bwino wopanga, ogula atha kuchepetsa mavuto azachuma komanso mwalamulo omwe amabwera mwadzidzidzi. Gawo logulitsa nyumba limapereka mwayi waukulu, koma limafunanso khama, kukonzekera, ndi chitsogozo cha akatswiri. Njira yoyang'anira zowopsa sizimangoteteza ndalama zanu komanso zimatsimikizira mtendere wamumtima m'malo amasiku ano omwe ali okangalika komanso opikisana.
