Pane chero munhu ane ruzivo rwekutora imba yemba (muNetherlands) yekubhadharira imba muThailand? Nenzira, iyi ndiyo yekutanga mortgage, kana kuti chikwereti chete chinogoneka?
Mudzimai wangu ane basa rechigarire rokubika kwemaawa 40 pavhiki uye akaunganidza mari yakawanda yaakachengeta. Nekuti tinoronga kugara muThailand mugore kana maviri (zvichida muKhonkaen, asi pamwe zvakare Nongkhai kana Udon), anoda kutanga kuisa mari yake yaakachengeta mukutenga imba izvozvi. Nekudaro, iyo mari yakachengetwa haina kukwana kutenga imba muThailand nemari. Saka iye anozofanira kutora remba kune yasara (taura hafu yemutengo wekutenga).
Zvinoita here kutora chikwereti chemba muBelgium kana uchigara kuThailand uye wakabviswa kuBelgium? Kana izvo zvisingaite, zvinoita here kutora chikwereti muThailand kutenga real estate muBelgium?
Ko farang ingaite semukweretesi wembande muThailand?
Ndinoshamisika kana zvichiita kuti upe chikwereti se 'farang' uye unyore mu 'hofisi yevhu'. Saka, semuenzaniso, kutenga imba uye ivhu muzita remuThai waunoshanda naye, asi nekunyoresa rendi ne "farang" semukweretesi, iwe unoramba uri muridzi weiyo kukosha.
Ndave ndakaroora mukadzi ane rudo wechiThai kwemakore akati wandei. Ndave kusvika pamudyandigere, asi tese tine mari yeDutch. Isu tave kuronga kutenga imba kana imba (condo) muThailand. Zvechokwadi ndichanyatsodzidza zvose mamiriro uye zvinogona kuitika. Zvisinei, pane mubvunzo mumwe chete unondinetsa.
Ini nemurume wangu wekuThai tinoda kutenga imba nekuipa mari nechikwereti chebhangi. Mari yangu inogona kuverengerwa kubhanga rimwe chete kwete kune mamwe mabhanga. Uyezve, ivo vanowanzopa 3-gore kupihwa mumamiriro akasiyana.
Musikana wangu wekuThai neni takaroorana zviri pamutemo muThailand gore rakapera (pasina chibvumirano chewanano). Makore maviri zvisati zvaitika, mudzimai wangu akatenga condo muPattaya (Second Road) uye akadzorera chikwereti chake kubhangi reBangkok (mamwe makore gumi nemasere pane inopfuura 18% mubereko). Sezvo ini ndinewo mari yasara pamaakaundi angu eThai, ndinoda kutora chikwereti kubva kubhangi uye kuchengetedza mari isingakoshi.
Chechipiri Mari Expo muRayong
Yekutanga Mari Expo muRayong yakaitika muPattaya makore masere apfuura. Gore rapfuura 8, chiratidziro ichi chakatamira kuRayong. Kufarira mune yechipiri Mari Expo yairatidzika kunge yakakwira nekupihwa huwandu hwezvikwereti uye inishuwarenzi yakatorwa inokosha mabhiriyoni matatu baht.
Muridzi wemba muThailand neNetherlands
Mafaranga akati wandei (vatorwa) vakatenga imba yavo muThailand. Kazhinji inoitirwa kushandiswa kwechigarire. Nekudaro, nguva pfupi yadarika zviratidzo zvawedzera kusimba zvekuti hurumende yeThai iri kuyedza kuburitsa musika wedzimba. Pakutanga, ine chekuita nedzimba dzinodhura.
Ndeipi mwero wechikwereti chechikwereti kana chemba muThailand?
Ndinoda kuziva kuti mubereko wemubereko ndewei uyo bhangi rinobhadharisa chikwereti kana chikwereti chemba muThailand. Mwanakomana wangu wekuThai akakwereta 1.400.000 Thai Baht pamakore makumi maviri nemapfumbamwe yekuvakisa imba yake muRanong.
Tsvaga chikwereti chekutenga imba muThailand
Tiri kutsvaga chikwereti chekutenga imba (3,5 miriyoni baht). Ini semutorwa, handikwanise kukwereta mari kubhanga. Mudzimai wangu anoshanda mune zvedzidzo (hurumende) uye haakwanise kukwereta mari inodarika miriyoni 1,5 baht kubva kubhangi (kuburikidza nebasa rake), zvakare kubva kune rimwe bhanga kwatakabvunza, haakwanise kukwereta zvinopfuura miriyoni imwe nehafu. Iri bhangi rakanga risina hanya kuti akaroora kune mutorwa (uyo anoshanda muNetherlands) uye anogona kubhadhara mari yemwedzi.
Thailand iri pachinhanho chechitatu munyika nhatu dzepamusoro (Asia-Pacific dunhu) ine chikwereti chepamusoro chemba. Chikwereti-ku-GDP chiyero muThailand chaive 71,2 muzana. MuAustralia iyi i123 muzana uye muSouth Korea 91,6 muzana.
Vamwene vangu vari panjodzi yekuwirwa nechikwereti chemba kana vabereki vavo vakangoerekana vafa. Makore mashoma apfuura shamwari yangu yakakwanisa kukwereta imba yasekuru nasekuru vake, asi zvinosuruvarisa kuti munin'ina wake wekurera akakwanisa kuvanyengedza kuti vadzoke uye 'kumukweretesa' mari yacho.
Hurumende yeThai inoda kusimudzira muridzi wemba uye yakagadzira mhando ye 'state mortgage' nechinangwa ichi. Chirongwa ichi chiri kufamba sezvanga zvichitarisirwa uye pane zvakawanda zvinofarirwa nazvo.
Mubvunzo wemuverengi: Notarial mortgage neproxy, zvinogoneka here?
Ini ndinoda kuve neanotarial mortgage yakagadzirwa nemumiriri kuti ndisazoenda kuNetherlands. Pane akambozviita here? Nekuti ndinonzwisisa kubva kunyanzvi yangu yekuNetherlands kuti Thailand haina gweta rechiLatin uyezve simba reCalifornia rekutonga gweta rinotanga kushanda.
Iyo maze kune remba kana chikwereti, kana kwete
Munguva ichangopfuura, ndichiri kunakidzwa nechinwiwa, ndakapinda muhurukuro nevanhu vanoverengeka vechiDutch neBelgian, pamusoro pemabhangi muThailand uye kuti nzira dzavo dzekushanda dzaive dzipi, uye kuti chikumbiro chechikwereti kana chikwereti chakaonekwa sei.
Tiri kutsvaga imba (itsva) yakatenderedza 2.500.000 baht. Iva nechimwe chinhu mupfungwa, asi nhungamiro yeThai yekuwana imba yemba yaita kuti zvisaite kwatiri kusvika parizvino!