Civil Code: richengetwe ne Real Estate

Kukurumidza kukura misika ukama Russia akabvumira kuti zvishoma nezvishoma kuwedzera kukura kwebasa kuvhiyiwa zvakadai, sezvo rubatso Real Estate. Chii nzira ichi? Sei zvakanaka kushandisa? Mhinduro dzemibvunzo iyi nemimwe zvicharangarirwa hereinafter.

mortgages: pfungwa

On mundima Russian Federation, mumwe pashure pomumwe tiite kwezvoupfumi kunoparirwa. The musika inova isina, uye naizvozvo zvakawanda chikwereti vasingakwanisi kusangana zvavaifanira. In Muchiitiko ichi, chero akakweretesa awane napo inopikira. Somugumisiro, pane mubvunzo musoro kuti zvinogona kuti vimbiso. Sezvo nyaya dzavo uye kugadzira? Zvokusarudza yaitova yakawanda. Mumwe wavo anofanira kuudza zvishoma zvakadzama: kwakanyorwa richengetwe nokuda Real Estate.

Rubatso Real Estate - rinokosha nzira mumusika bhora. Zvinobatsira kuti qualitatively kuwedzera mari mabasa kumativi ose dzebhizimisi. Uyezve, zvinobudirira kudzivirira zvido mukweretesi. Muchiitiko chino, mortgages - rinongova chombo kubatsira kundosangana dzinokosha zvinodiwa womunhu anomukweretesa.

Zvinenge zviri yakabudirira nyika yose iri refu nguva, uye vanoita ane chikwereti chibvumirano richengetwe ne Real Estate. Russia haasi lagging shure, pasinei nokuti pane mukuru kunzwisisa uye nguva yacho kunyoresa nzira. Muchiitiko chino, vakweretesi yakasimbiswa ne Real Estate kunobatsira chaizvo. Heano zvikonzero:

• Property mutengo kunowedzera vane nguva;
• mutengo Real Estate zvakakwirira chaizvo uye pane mukana kurasikirwa;
• Real Estate angangotadza kunyangarika kumwe kana varasikirwa.

Pfungwa imwe mogeji

Kana tiri kutaura pamusoro zvoupfumi bhora, kuti chikwereti yakasimbiswa ne Real Estate anonzi mogeji. Pane huru pfungwa mbiri chikwereti:

• Mortgage ukama. Ndiwo rubatso Real Estate (nyika, dzimba, Apartments uye zvichingodaro. D.), waani chinangwa kutora chikwereti kubva akakweretesa (chikwereti).
• Mortgage sezvo chokumbofanobata. Muchiitiko ichi tiri kutaura pamusoro rinokosha chikwereti - on chikwereti zviridzwa kuzosangana kodzero mukweretesi kuna yacho pasi Lien.

Parizvino mu Russia unoshanda mabhiri maviri yokudzora matanho pamwe mortgaged Real Estate. Mutemo wekutanga - ndiye Federal Mutemo "On chikwereti kuti usingazungunuke pfuma", wechipiri - mutemo "On mogeji". In magwaro vose vanotaura kudiwa kuchengeta nhamba zvinomera, nezvaro chibvumirano kuti chikwereti kana risi. zvivako izvi zvinosanganisira kubvarurwa, ari inadmissibility akuvadze pfuma, nzira rwokutenga uye kutengeswa uye nevamwe. Batanidza uye zvinokosha kuti chinogona kubatanidzwa mune chibvumirano kuti mogeji. Izvi zvinosanganisira ose akaitwa, nyika, Apartments kana dzimba, mumagaraji uyewo ngarava (gungwa kana mhepo).

Tinofanirawo kutaura pamusoro huru zvinhu uye mogeji ukama. Civil Code, Federal Mutemo "On chikwereti kuti usingazungunuke pfuma ', uyewo mitemo chikwereti vari pfungwa dzinotevera pano:

• Kuzivikanwa chikwereti (sezvo zviri pamutemo ukama) pfuma rubatso.
• Credit iri chikwereti gadziriro iri rakapa kwenguva yakajeka nguva - kazhinji 15 makore 35.
• Richengetwe ne Real Estate chikwereti anofanira kuva yakazara mogeji izwi.
• All rubatso muridzi muitiro chinofanira kuitwa kunze chete nokuda rubatso mutemo (Civil Code).
• The yose nzira iri kuitwa chaiyo chikwereti nemabhangi kuti dzidzira mu mortgages.

The Chibvumirano of Real Estate koratararo

Chii chinofanira kushandiswa chikwereti sungano rubatso chaiye wemunda? Mhinduro yomubvunzo uyu anogona kupa, zvakare, chete Russian Civil Code.

Mortgage akakweretesa uchabvuma kuti mugari wenyika chikwereti. Mortgage wakavhomorwa ose anodiwa mapepa, kusanganisira inokosha gwaro - chesungano pakati rubatso pfuma. Chinhu chokutanga kuona ndiyo nyaya gwaro. Nyaya inogona chero pfuma chaiyo, uye zviri pamutemo vanyorwa unoenderana zvinhu zvose Russian Civil Code. Richengetwe ne Real Estate, pakati pezvimwe zvinhu, kunosanganisira rinokosha pakuongorora maitirwe ezvinhu. Tiri kutaura zvinhu akanyorwa chibvumirano, izvo zvinofanira kuva zvemari kupima chaiyo. Chete nekuda ichi zvinhu zvichava zvokunwa. Last, zvinokosha kutaura pano - ndiyo kudiwa chenguva zvoupfumi kutarisira anokwereta.

Kamwe sungano iri akagumisa uye anotora chaizvoizvo hazvibviri kurishandura nayo. Utongi uhwu hunoratidza kuti "Mutemo pamusoro chikwereti kuti usingazungunuke pfuma ', uyewo kadhi komiti chaiyo. Munguva kunyoresa gwaro achiri anogona dzakachinjwa zvishoma. Kuti aite izvi, unofanira kuita chibvumirano chinokosha (anonyatsotsanangura zviri zvikwereti pachayo).

The chibvumirano inofanira wakavhomorwa mune makopi mana: kubhangi, ari gweta, iro mortgagor nevamwe kunyoresa zviremera. Pakupedzisira, zviri gwaro anofanira kutarira seizvi:

• ruzivo pamusoro pfuma iyi iri pasi rubatso;
• Uchimutarira chepfuma inyaya;
• misi, mitengo uye hukuru anemasimba;
• ruzivo pamusoro nechikwereti uye mukweretesi;
• Information uchiwedzera kushandisa umbofanobata chinhu.

Kana vanyorwa chibvumirano kwapera, achapinda simba mogeji ukama.

Mutemo pamusoro rubatso dziri usingazungunuke pfuma

The kuitika mitemo Russian rinorondedzera ose anodiwa zvatinopiwa, policies nemirayiro maringe koratararo hurongwa. Vose nuances yaidzorwa muna Civil Code, uye mitemo siyana yeUnited uye nemirayiro. Maererano Part 4 Chikamu 15 reMitemo, iri chiitiko zvichiita kupokanidzana mitemo wokuRussia pamwe dzakawanda zvibvumirano kukosha ichava yemarudzi chibvumirano.

Mutemo unofanira ane rairatidza kutanga kuita ane mutoro. Uyezve, zvinofanira zvakajeka dzakanyorwa huru pfuma iri mortgaged. Kana zvikwereti chikwereti, sezvinoita mutemo, namarudzi pfuma, iyo inogona kuraswa maererano nomutemo zvinoshanda. The pfuma iri boka (nevakawanda) muridzi anogona kune bail chete chete mvumo ose varidzi.

Civil Code iroro mukana kugutsa chikwereti bedzi kuti dare, uye azere mutsividzo yose kukosha rubatso. Zvinofanira kucherechedzwa kuti mugove rubatso chiito pamusoro nechikwereti kunogona kuitwa chete nematare. Izvi zvinosanganisira zviitiko apo chikwereti nzvimbo asina kuisa: mune iyi, akakweretesa anotumira nekuzivisa dare, uye zviremera zvakakodzera kutanga kutsvaka kushandiswa.

Chokupedzisira chinhu kuti kunokosha ataura zvingangoguma litigation mumapati vaviri. Zvikonzero pano kunogona kuva akasiyana chaizvo, somuenzaniso, kana akafa Real Estate rubatso, pane matambudziko pamwe mapepa, uye zvichingodaro ..

rubatso zvinodiwa

Mhedziso chibvumirano chaiyo wemunda rubatso pakati vanhu - nguva dzose nyaya inokosha chikwereti kondirakiti. Gwaro yakadaro kuitira kuti nokubatira upi kutengeserana. Kakawanda ndiro chikwereti chibvumirano. Chii ichi Zano rose? Kakawanda, seizvi:

• vagari maviri kupinda chikwereti chibvumirano mushure mekugamuchira mumwe wavo mari.
• The chikwereti anofanira chipikiranai womunhu anomukweretesa muchimiro usingazungunuke pfuma.
• Pakupedzisira, chikwereti iri kana akadzoka kana akakweretesa inobhadhara kuti foreclose zviri mortgaged pfuma.

Kana totaura pamutemo masangano, zvakakodzera ringabviswa chikwereti "pemapuranga". Pane vanogona kuva tsime mari kutengeserana nevamwe mhando, mumwe mhando pfuma, uye zvichingodaro. D. Pakarepo zvinokosha kuziva kuti chibvumirano chaiyo wemunda rubatso pakati masangano nguva dzose akasiyana chete mari nehurumende kunyoresa. Naizvozvo, muna 2017, munhu achapa 2 zviuru. Rubles. Asi repamutemo kunyoresa Real Estate rubatso (state mutero) achaita mari vanenge 23 zviuru. Rubles.

Zvinodiwa kuti ambofanobata pfuma kuti mumuviri, riri dzinenge nguva dzose zvakafanana kuti pamutemo vanhu. Pane zvinotevera pfungwa:

• The pfuma, iyo iri pasi rubatso, achipa akakweretesa kodzero kugamuchira dzosera muzvikwereti kubva yacho iri nenguva nenzira, izvo inoumbwa yavakatengesa rubatso.
• Mari yechibatiso anogona ipiwe uye bato wechitatu, kwete avepo kondirakiti. Zvisinei, munhu uyu anofanira nechokwadi kuitwa dzavo anokwereta.
• Nhaka uye kushandiswa mortgaged pfuma inopa chete mukwereti.

Foreclose ari mortgaged pfuma

Information pamusoro kuchengetedzwa Real Estate, kumusoro, vataura kune zvinoita mortgagor kuti foreclose pamusoro pfuma pasi Lien. Zvino anomira kuenzanisira mamiriro zvishoma zvizere.

Chinhu chokutanga chakakodzera nezve zvakarurama mukweretesi kuti apore tichibatsirwa zvose matare uye vasiri nezvamakatonga nzira. Chero zvazvingava, zvikonzero chirango mune zvose zviitiko zvakafanana. Izvi zvinosanganisira zvinotevera ezvinhu:

• Kukundikana kubudikidza chikwereti (mortgagor) zvayo sungiro nenguva kana kukwana kuzadziswa zvavanosungirwa kuti vaite.
• Kana nechikwereti asina kupiwa chiziviso penhaka nyaya rubatso kumapati rechitatu (ndiko, somuenzaniso, rendi, kana hwose nhaka kushandiswa, easement, etc. D.). Pfungwa, kana chikwereti haana hanya kunoudza pamusoro chinhu chinokosha akakweretesa akaviga imwe nguva, kuti pledgee anekodzero vatange muitiro chiito chepamutemo.
• Kana nechikwereti Wakashora mutemo kushandisa pfuma, hazvina kutora matanho anodiwa kuti richengetedzwe; kana paiva nedambudziko kurasikirwa chinangwa chikwereti ukama - mhaka pamusoro pledgor.

Sezvambotaurwa, kune pledgee angatanga mutongo uye imwe-kutonga nzira. Zvisinei, muchiitiko ichi tiri kutaura Real Estate rubatso chibvumirano pakati pamutemo masangano. Munhu wenyama unofanira anoshandawo kumatare (somunhu mutemo, dare ruwa chaidzo kuti pfuma nzvimbo). Chete muchiitiko ichi chichapiwa qualitatively vaichengeta nheyo oga utongi enshrined roMutemo Civil Procedure of Russian Federation.

Zvaakatonga foreclosure urongwa

District Court, vachitora zvakafanira mapepa, chisarudzo zvakakodzera pamusoro kuzoita kuti mortgaged pfuma. Pachisarudzo ichi, pfungwa dzinotevera dzinofanira chainyatsoratidza:

• Mari kuti chikwereti chine mari kuna mortgagee ake.
• Full kuziva ari usingazungunuke pfuma, anopa mari yechibatiso, izvo Foreclosed (kero, cadastral nhamba, nharaunda, hurumende kunyoresa Real Estate rubatso chibvumirano, uye zvichingodaro. D.).
• Nzira kuti Implementation yacho mortgaged pfuma.
• The shoma kwokutanga mutengo kupora.
• The ndandanda unyanzvi nezviyero inodiwa achengetedze usingazungunuke pfuma kana kuti zvinobudirira kutakura emaoko.

Ko dare kuti kupa reprieve kuno wakatora chikwereti? Mhinduro ndeyokuti hungu. An ekisitenjeni angava vaifanira kuti gore rimwe. Panyaya iyi, rubatso havafaniri kuva chinhu chokuita basa mabasa nechikwereti. Munguva kunonoka yacho mortgagor anogona kuzadzisa zvose zvavanofanira ayo sezvo chikwereti: kuti kubhadhara chikwereti, mubereko uye Zvirango (izvo, Sezvineiwo, nokuti nguva kunonoka zvichaita chete -wedzera). An ekisitenjeni anogona ipiwe kana akakweretesa ari kutambudzika zvemari kana iri nyaya apo mumwe makaita mapato akataura pacharo kusauka.

Worth nokuvuka uye zvikonzero iro dare anogona kuramba kuti adzikunure pledgee. Izvi zvinosanganisira zvinotevera nyaya:

• The mari yakawanda nonoka sungiro idukusa zvishanu muzana mari yacho, anopa mari yechibatiso.
• Ya kunonoka idukusa mitatu.

Uye kuti ndiye asiri nezvakatongwa chirongwa foreclosure? Kushandiswa Its zvinogoneka chete zvinotevera nyaya:

• The mapato aita munhu notarial chibvumirano chaiyo wemunda rubatso.
• The foreclosure of mortgaged pfuma inopa notaries pane matare.

Havabvumirwi non-rokutonga foreclosure muitiro zvinotevera nyaya:

• muridzi mortgaged pfuma munhu wechisikigo munhu;
• chikwereti haagoni kuwana rimwe;
• vamwe chikwereti zvibvumirano vakaurayiwa;
• pfuma ngarira vakawanda mortgagees;
• asi rubatso ndiyo nyika yekurima;
• ari rubatso - nhaka nemagariro.

Deposit zano

Russian mutemo rinoti zvachose chero pfuma - Ngazvive imba, kuvaka kana chivakwa - zvinofanira kupiwa mari yechibatiso chete pavanoparidza panyika. Zvinokosha, Chokwadi, nokuti azere zvarinoroora nyika akakweretesa kana pfuma achiri "ichiyerera kure" kubva nechikwereti. Muchiitiko chino, pane kodzero vanonzi "dzisina kushandisa" pamusoro pledgor venyika iyo akapiwa mortgagee basa (akakweretesa). Asi nokuda chikwereti ichi vanofanira abvume akakweretesa kuti zvinyorwe sungano runofarira chete zvishoma panyika.

Mumamiriro ezvinhu akadaro haana kunetseka uye varimi: vachapiwa munyatsonzwisisa kodzero mushure kwakakwana kuchinjwa kuti mortgaged pfuma womunhu anomukweretesa.

Mortgage nyika

Tinofanira pakupedzisira kuna Federal Mutemo № 102 "On chikwereti", kureva chitsauko ake repfumbamwe. Mashoko ari bhiri iri kuchabatsira kuti pave zvikuru coherent uye kwakakwana mufananidzo pamusoro rubatso ukama.

Article 62 inotiudza dzinoverengeka miganhu nzvimbo, achiita somunhu wepamutemo chikwereti nyaya yacho. Saka, tiri kutaura zvikurukuru pamusoro Nzvimbo muridzi nokuda matunhu neminisiparati kana yeUnited hurumende masimba. nzvimbo idzi vanoonekwa vanovengwa takaita pamutemo ukama chete mvumo nezviremera zvomunzvimbo.

Uye kana kupa zvikwereti richengetwe ne Real Estate hazvibviri? Article 63 inopa muenzaniso wandei mapindu dzisiri pasi mogeji ukama. Pane mamiriro kana matunhu neminisiparati ndima (kunze hwakapiwa Article 62). Uyezve, zvinhu chikwereti ukama havagoni kushumira nharaunda, ane nzvimbo iri shoma pane mitemo zvishoma.

Article 65 anoita mukana kuvaka mortgagor ose zvivako, zvivako kana zvivako ari kwenzvimbo yaiva rubatso. Saka, chikwereti anekodzero kuita pamusoro wakasimwa achida nzvimbo, asi chete kana yakadaro haina hakubvumidzwi maererano contractual chibvumirano. Asi pane imwe Kuwedzera inokosha. Saka, kana mortgagor tichavakira pamusoro rangano zvakachengeterwa chinhu chichaita yekudyidzana kuvhiringidza akakweretesa, yokupedzisira achapiwa kodzero yokurayira kuchinja chikwereti kondirakiti.

Kuwana pusa Income

Takatodzidza akaratidza huru kana uchishandisa vagari mortgaged ehupfumi vanokwanisa kuti vaunze pusa mari. Zvino anomira kuti aenzanisire ezvinhu akadaro zvishoma.

The rinofarirwa kupfuura shanduro mari Foreclosures - ndiko kuti kurenda. Asi pano zviri zvikuru kuti tive nechokwadi chokuti rendi vakagamuchira yaizonyatsokwanisa kufukidza chikwereti, mitero uye kugadzirwa mari. Usakanganwa kuti pakupedzisira vanofanira kugara uye purofiti. How vachiwedzera ezvinhu akadaro? Kunyange zvakadaro, mamiriro acho ezvinhu ane zvakaoma. The yakanakisisa nzira herinoi akaitwa mortgages. Nzira iyi inobvumira kuti zvikuru kuwedzera uwandu upfumi; Muchiitiko chino, zvisinei, kukura uye zvisingabatsiri. Kana kukosha mubhizimisi inowedzera - kuti kukwereta mari kuti chikwereti, chimwezve pfuma inogona kuwanwa. Mune ramangwana, unogona kuwedzera uye kukura pachavo mipiro yavo. Dambudziko pano ringava chete - ". Kure" Kukwanisa kuti akukurwe uye Saka, unofanira zvakarurama kuverenga zvose zvavanogona uye ngozi. Kunyange zvakadaro, mukana kuenda akaputsa bhizimisi zvivako mumamiriro ezvinhu akadaro kukuru. Kunyanya zvakaipa zvinhu panguva akawira achikanganisa mogeji upfumi. Panyaya iyi, zvikwereti vanotanga kukura zvinokosha, uye pachena kuti ngozi zvikuru kukosha basa mortgages.

Chii mhedziso chinogona kuitwa pano? Basa iri kugadzirwa pusa mari pamwe Foreclosures vari chinopa kunzwisisa uye voluminous. Rovedza kwakadaro kunogona chete kuva zvechokwadi nechido, kurangwa zvikuru uye anoshivirira vanhu.