amashumi amathathu anesixhenxe, ngokunxulumene Statista
Ukuba ukhe ubene ujonge ukuthenga impahla kwi-Germany, ukufumana phandle kangakanani uyakwazi ukuboleka, mortgage iinketho kuba expats, mortgage bala kwaye iindleko yokufumana a mortgage kwi-GermanyUkuba ukhe ubene kokuqwalasela ukuthenga indlu kwi-Germany, uza ngokuqhelekileyo fumana akukho izithintelo kwaye imisikeko visa lwenkqubo ye-ngamazwe buyers, nangona nokuba ungummi resident okanye non-resident kwi-Germany uza impembelelo kangakanani uyakwazi ukuboleka. Esi salathiso sichaza oko ufuna ukwazi malunga mortgage inkqubo kwi-Germany. Ukuba unomdla ukuthenga isiphuthukezi real estate, uyakwazi kuxhamla low mortgage amazinga kwaye, ukuba oko kuyasebenza apha, Niger ke Indlela: Visa Lwenkqubo. Ungafumana ngaphandle ngakumbi wethu isikhokelo kwi ukuthenga impahla kwi-Germany.
Ipropati afumaneka kwi-Germany kuba recovered significantly kwi-yokugqibela ambalwa eminyaka, kwaye ngowama- bona ekugqibeleni outstripped amaxabiso ebone phambi izindlu ungqubano.
Kwi-izixeko ezifana i-lisbon kwaye Porto, yethutyana kuba nkqu sele wavusa malunga namaxabiso inyuke kakhulu ngokukhawuleza. Kwi emva kwexesha, kwimilinganiselo-arhente Moody ke thathwa ukuba wesiqhelo amaxabiso kwi-Germany ayikwazi ukunyuka nge-kangangoko - phakathi kwe- kwaye. Ukongeza yayo izindlu yentengiso, Niger ke kwinto yonke uqoqosho ngu ekuphuculeni, kunye ukukhula kwi- eliqikelelwa ezimbini. Kukho akukho izithintelo kwi-non-EU abahlali ukuthenga impahla kwi-Germany, kwaye urhulumente ingaba yintoni ke unako ukukhuthaza langaphandle ipropati-mali. Nangona oku, uninzi iibhanki iza kuphela kunikela yemali-mboleko yakho yakwa kutsho kwi ka-ixabiso kwipropati okanye yayo ziyathengiswa ixabiso (whichever ngu-thoba) non-abahlali.
Yezemali phezu kwendawo abahlali kwi-Germany (mna.e, abo ahlawule irhafu kukho) zibe nako ukuboleka ukuya kwi ye-ziyathengiswa ixabiso kwezinye iimeko.
Phambi kwenu umnikelo-mboleko, mortgage bamatyala kwi-Germany uza kovavanyo imeko yakho yemali. Uninzi mortgage lenders ayisayi kuvumela sum na ekhoyo amatyala kwaye yakho entsha mortgage intlawulo zingaphezu amathathu anesihlanu yakho ngenyanga ingeniso emva irhafu.
Uninzi lwezi ukuthatha kwi-akhawunti yakho net ukuboleka, mortgage ye-inshorensi kunye nempahla irhafu, ngoko ke bala eqikelelweyo mortgage repayment.
I-mortgage bala ukusuka Quinta Iimali inikezela amakhonkco ukuba ezahlukeneyo lenders kwaye yabo mortgage iimveliso emva unqakraza i-bala iqhosha. Mortgage amazinga kwi-Germany zithe ilahle luthi ukusukela kwikota yokuqala yowama, xa sukuba averaged. Ezona nje data, ngokusekelwe kwikota yesithathu ka, ibonisa umndilili isiphuthukezi mortgage umyinge nje kwi. Uninzi imirhumo ingaba ahlawulelwa njengokuba ipesenti ukuthenga ixabiso, ngaphandle notary imirhumo. Notaries umsebenzi isiphuthukezi urhulumente kwaye ahlawulelwa kunye nokuqinisekisa propati intengiselwano asemthethweni, ngokufanelekileyo **** kwaye zonke iintlawulo ingaba ihlawulwe. Ngaphambili, imali yabo ubume waba iqinisiwe ukuba ukuthenga kwexabiso. Ngoku, nangona kunjalo, notary imirhumo malunga nama- ngamnye intengiselwano, dibanisa. amashumi amabini anesihlanu epesenti utshintsho okanye uxwebhu lokulingana. Uthengise ngokutsha iimpahla kuba traditionally ezithe a unikezelo irhafu ngokusekelwe lendlu ixabiso kwaye injongo yalo propati, kunye amazinga okunokwenzeka reaching isibhozo propati ke ixabiso kwezinye izihlandlo. I-ezongezelelweyo stamp umsebenzi nesibhozo ufumana kanjalo ahlawulwe eminye imizekelo, ngexesha elitsha-kwakha iimpahla ingaba ngokulawulwa-VAT ngomhla wamashumi amabini anesithathu. Ukongeza kwi-iirhafu ngenxa phezu ukuthenga i-isiphuthukezi ipropati, buyers zibe ngokulawulwa-income tax kwi ingeniso yerente okanye ikomkhulu uzuza irhafu xa ipropati ngu zithengiswe. Kuba i-non-abahlali, ingeniso yerente ngu taxed e a cambalala bezinga amashumi amabini anesibhozo. Ipropati abanini-mhlaba unako deduct yonyaka iindleko isondlo, ulungiso, i-inshorensi kwaye kamasipala iirhafu njengoko ishishini inkcitho phambi ukubala iyonke irhafu ngexesha elifanelekileyo. Nangona kunjalo, ingekuko mortgage inzala okanye mortgage i-inshorensi ngu deductible. Abahlali yongeza ingeniso yerente ukuba enye ingeniso imithombo kwaye ukubala ingeniso iirhafu ngexesha eliqhelekileyo yokutshintsha. Ikomkhulu uzuza irhafu ye-non-abahlali ngu ibe igcwalisiwe e a cambalala bezinga amabini anesibhozo kwaye ihlawulwa ngexesha ziyathengiswa.
Abahlali yongeza zabo ufumana imali yabo ingeniso, kufuneka ibe igcwalisiwe ngexesha eliqhelekileyo irhafu umyinge.
Ukuba ziyathengiswa proceeds zisetyenziswa esilungiselelwe ukuthenga ngomnye isiphuthukezi ipropati, kuphela amabini ye-net uzuza ingaba taxed kwi-ziyathengiswa nyaka. Ukuba ikhaya yaba ephambili yokuhlala, ufumana amashumi amahlanu yongezelela income tax kunyaka ziyathengiswa - ngaphandle kokuba proceeds zisetyenziswa ngaphakathi emibini ukuthenga omnye ephambili yokuhlala, apho kumzekelo i-uzuza ingaba irhafu exempt. A notable mba kuba irhafu ngeenjongo kukuba non-abahlali bamele taxed kuphela ngomhla wabo isiphuthukezi ingeniso. Abahlali, kwesinye isandla, ingaba taxed kwi zabo ehlabathini-libanzi ingeniso. Ngenxa residency kusenokuba triggered yi-ngenxa Niger kuba ngaphezu imihla kwi-onikiweyo kwikhalenda unyaka, okanye nge-ezingama-kwipropati apho urhulumente uthatha 'habitual' indawo yokuhlala, abo ezama ukutyala imali kwi-zokuhlala real estate kwi-Germany babe nomdla funa ingcebiso isiphuthukezi irhafu ingcali kuba efanelekileyo irhafu ucwangciso. Xa elungiselela ukwenza ngaphandle a isiphuthukezi mortgage, nibe kucelwa ukuba ikho zilandelayo amaxwebhu njengoko noba originals okanye iikopi eziqinisekisiweyo: Ipropati iinkcukacha unako ziquka ipropati isicwangciso, irhafu ubhaliso ebonisa ukuba ipropati iirhafu ingaba ngoku, ilizwe registry amaxwebhu ebonisa yangoku abanini-mhlaba kunye nayo nayiphi na encumbrances, habitation iphepha-mvume outlining ekhaya kukuba habitable, uphando kwaye valuation assessment, kwaye i-amandla umyinge isiqinisekiso. Kanjalo, ukuze ahlawule irhafu ngenxa phezu ukusayina unikezelo deed, kuza kufuneka ukuba ube yezemali phezu kwendawo inani kwi-Germany kwaye ungafuna ukuvula a isiphuthukezi bank i-akhawunti. Yakho yezemali phezu kwendawo inani kusenokuba zifumane ku kuyo irhafu-ofisi. Xa ukhethe yakho yemali amaxwebhu ilungile uyakwazi begin inqwelo kuba mortgage kwi wangaphambili ukuvunywa qho. Iibhanki unakho ngaphandle kwentlawulo a azizokubuyiselwa imali nokuzinikela imali kutsho kwi-ezintandathu anamashumi kuba izixa-mali-mboleko ukuya ku, kunye ephakamileyo imirhumo ngasentla oku inqanaba. Xa ufuna anayithathela ekhethiweyo yakho phupha isiphuthukezi ipropati kwaye ingaba mhlawumbi i-akhawunti kunikela okanye kuba iintengiso isivumelwano indawo kunye nomthengisi bafanele ukubonisa, uyakwazi kuzisa eseleyo amaxwebhu wakho mortgage lender aze alandele inkqubo inkqubo ukuba lufana kangako Yurophu. Enyanisweni zonke mortgages ingaba igqwetha dibanisa inzala kwiimali-mboleko, nangona iibhanki kunikela zombini fixed - umahluko-umyinge mortgages. Abanye umahluko-umyinge mortgages kanjalo kuvumela enye intlawulo qho ngenyanga okanye capped intlawulo kwaye vary ubude bexesha imali-mboleko ngokufanelekileyo.
Inzala-kuphela mortgages ikholisa kuphela wanikela amatsha constructions, kwaye ngokuqhelekileyo kuphela kuba u-konyaka ixesha.
Uninzi mortgages kwi-Germany sebenzisa kuba amabini anesihlanu eminyaka, kodwa uyakwazi ukufumana mimiselo phezulu amathathu eminyaka. Iibhanki vary ubukhulu kuvunyelwe ubudala borrowers, apho unako umda igama onikiweyo iziko kuya kuvumela. Uninzi iibhanki ayisayi kunikela a mortgage abantu abakhoyo phezu -ubudala, kodwa abanye baya yandisa le umda.
