Ezweni elikhulayo lezindlu ezithengiswayo, ukuqothuka konjiniyela kubangela usongo olukhulu lwezomthetho nezezimali kubathengi bezakhiwo, abatshalizimali, nababambiqhaza. Kungakhathaliseki ukuthi kusengxenyeni ye-condo yangaphambi kokwakhiwa noma ezindaweni ezintsha zokuhlala, ukuwa kukanjiniyela kungase kuphazamise izikhathi ezimisiwe zobunikazi, kulahlekelwe amadiphozithi omthengi, futhi kuvuse amacala abizayo. Njengoba izimakethe zezindlu ezithengiswayo emhlabeni wonke ziqhubeka nokuheha kokubili ukutshalwa kwezimali kwasekhaya nokwamanye amazwe, isidingo samasu aqinile okunciphisa ubungozi sibaluleke kakhulu kunangaphambili.
Izindlu ezidayiswa kabusha zihlala ziyingxenye ezinzile yemakethe, kodwa abathengi abacabangela intuthuko entsha kufanele basondele ngokuqapha. Iyahlola Toronto real estate Ukufakwa kuhlu kungasiza ekuboneni izakhiwo ezinoxhaso oluqinile lwezezimali kanye namarekhodi okuphothula amisiwe—izinkomba ezibalulekile lapho kuhlolwa ukwethembeka kwethimba lokuthuthukisa.
Ukuvikelwa Kwezomthetho Kwabathengi Nabatshalizimali
Omunye wemigqa yokuqala yokuvikela abathengi ukuvikela okusemthethweni okwakhelwe emthethweni we-condominium wase-Ontario. Ngaphansi koMthetho we-Ontario Condominium, abathengi bamayunithi okwakha ngaphambilini banikezwa isikhathi sokupholisa izinsuku eziyi-10 ukuze babuyekeze amadokhumenti omthetho futhi okungenzeka bahoxe ekuthengeni ngaphandle kwenhlawulo. Okubaluleke nakakhulu, abathuthukisi kudingeka babeke imali efakwe umthengi kuma-akhawunti e-trust, avikelwe futhi, ezimweni eziningi, afakwe umshwalense wezinhlelo ezifana ne-Tarion Warranty Corporation.
Ukufakwa kwe-Tarion kufaka phakathi ukuvikela idiphozi kuze kufike kumkhawulo othile, kanye nesinxephezelo sokuvala esibambezelekile. Nokho, ukuvikeleka kuyehluka kuye ngohlobo lweyunithi kanye nenani lokuthenga. Abathengi kufanele bahlole ngokucophelela isivumelwano sabo sokuthenga nokudayisa ukuze banqume izinga lalokhu kufakwa. Ukwehluleka ukwenza kanjalo kungase kuphumele ekulahlekelweni okukhulu kwezimali uma unjiniyela efayela ukuphelelwa imali noma eyeka ukusebenza.
Izakhiwo ze-Escrow kanye Nezinhlinzeko Zokuthenjwa
Izakhiwo ze-Escrow zingenye indlela yokunciphisa ubungozi eklanyelwe ukuqinisekisa ukuthi amadiphozithi omthengi agcinwa ngokuvikelekile kuze kube kuhlangatshezwana nezinyathelo ezibalulekile zephrojekthi. Ama-akhawunti we-Legal Trust aphethwe amafemu omthetho ezinkampani zangaphandle anikeza isiqinisekiso esengeziwe, ahlukanise izimali zomthengi kuma-akhawunti okusebenza kanjiniyela. Lokhu kuhlukaniswa kwesakhiwo kunciphisa ukusetshenziswa kabi futhi kuthuthukisa ithuba lokululama ezimeni zokuqothuka.
Abathengi abasebenza ngama-brokerage anelayisensi kanye nabamele umthetho bavame ukugada kakhulu izivikelo zezimali eziboshelwe kwidiphozithi yabo. Ukuzijwayeza komkhakha okujwayelekile kuhlanganisa ukudalulwa kwento ethile kwezinyathelo ezibalulekile zediphozi nezimo zokukhishwa. Kodwa-ke, abatshalizimali kufanele bahlale becela ukuba sobala mayelana nendlela idiphozi ephathwa ngayo futhi ngaphansi kwaziphi izimo lapho ingakhishwa ngaphambi kwesikhathi noma ibuyiselwe.
Ukukhuthala Okufanelekile kanye Nokuhlolwa Konjiniyela
Enye yezindlela eziphumelela kakhulu zokuvimbela ukukhuthala okuphelele kunjiniyela. Abathengi kufanele bacwaninge ngokuqedwa kwephrojekthi edlule, ukukhokhelwa kwezimali, ukumangalelwa okulindile, nokwaneliseka kwamakhasimende. Ezimakethe ezidingeka kakhulu, onjiniyela abasha bayanda ukungena esikhaleni, kodwa akubona bonke abasebenzisa imali eyanele noma abanolwazi.
Kuyatuseka ukuthi ubuyekeze isimo sokubhaliswa komthuthukisi nge-Tarion kanye Nesigungu Esilawula Ukwakhiwa Kwasekhaya (i-HCRA). Lezi zinhlangano zigcina amarekhodi abakhi abanelayisensi futhi zikhomba labo abanomlando wokuphulwa kwewaranti, amalayisensi amisiwe, noma izikhalazo zabathengi. Ukwengeza, abathengi bangacela izitatimende zezimali ezihloliwe, amabhondi okusebenza, noma izincwadi zesikweletu ezinikeza enye indlela uma iphrojekthi iyekwa.
Izixazululo Zomthetho Esimweni Sokuqothuka
Uma unjiniyela efayela ukuqothuka, abathengi bavame ukuba ngabakweletwayo abangavikelekile. Lesi simo sikhawulela ikhono labo lokubuyisela izimali, ikakhulukazi uma umthuthukisi enezibopho ezisasele ezikhungweni zezimali. Ezimweni ezinjalo, umphathiswa wokuqothuka uzokwengamela ukuqedwa kwempahla, futhi abathengi kufanele balethe izimangalo zababolekisi ukuze bakwazi ukubuyisela ingxenye yediphozi yabo.
Ukuthola usizo lwezomthetho kuncike kakhulu olimini lwesivumelwano sokuqala. Abathengi abanezigatshana ezichazwe ngokucacile zokubuyiselwa imali, ukunikezwa kwe-escrow, noma amalungelo okuphela kwesikhathi kusenesikhathi basesimweni esingcono. Uma isivumelwano singenazo izivikelo ezingokomthetho ezanele, abathengi kungase kudingeke baphishekele amacala omphakathi, ngokuvamile ngempumelelo elinganiselwe. Kubatshalizimali abathole amayunithi ngezimali ngokuthengisa kwezabelo noma ukuthenga okuqagelayo, ukuchayeka engozini kungaba phezulu kakhulu.
Izinketho Zomshwalense Nezimo Eziphuthumayo Zezezimali
Abanye abathengi bangase bakhethe ukuthola izinqubomgomo zomshwalense ezengeziwe ngale kokusebenza okujwayelekile kweTarion. Umshwalense wediphozithi ovela kumafemu ezinkampani zangaphandle noma imikhiqizo yezezimali evimbela ukubambezeleka kokwakhiwa nokukhanselwa kuya ngokuya kudayiswa. Kodwa-ke, le mikhiqizo iyahlukahluka ngezindleko, ubukhulu, kanye nokuphoqelela. Ukubonisana nommeli wezindlu ezithengiswayo ngaphambi kokungena esivumelwaneni sokuthenga kubalulekile ukuze uhlole umshwalense otholakalayo kanye namathuluzi okunciphisa ubungozi.
Abathengi kufanele futhi bacabangele ukuhlela izimo eziphuthumayo. Lokhu kuhlanganisa ukulondoloza isilondolozi sezimali uma kwenzeka ukubambezeleka, ukuhlola ukuguquguquka kokudayiswa kwesabelo, kanye nokuhlola ukuthi ukugunyazwa kwangaphambili kwempahla eboshiwe kungase kuphelelwe yisikhathi yini ngaphambi kokuqedwa kwephrojekthi. Lezi zinyathelo ezisebenzayo zingathambisa umthelela wokubambezeleka okubangelwa yizinqubo zokuqothuka noma ukwakhiwa okumisiwe.
Isiphetho
Ezweni eliguquguqukayo lokuthuthukiswa kwezindlu ezithengiswayo, ukuvikelwa komthengi kufanele kuqale isikhathi eside ngaphambi kokuba kusayinwe izinkontileka. Ngokusebenzisa izivikelo ezingokomthetho ezisebenzayo, ukufuna izakhiwo zediphozithi esobala, kanye nokuhlola ngokucophelela unjiniyela, abathengi banganciphisa umthelela wezezimali nomthetho wokuqothuka kungazelelwe. Umkhakha wezindlu ezithengiswayo unikeza ithuba elikhulu, kodwa futhi udinga ukukhuthala, ukuhlela, nokuqondisa kochwepheshe. Isu lokulawula ubungozi elisebenzayo aligcini nje ngokuvikela utshalomali lwakho kodwa liqinisekisa ukuthula kwengqondo endaweni yanamuhla esebenzayo neqhudelanayo yezindlu.
