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Wed, 21 Oct 2015

Nieruchomości

thumb_house-23272_640.jpgRynek nieruchomości od zawsze wywoływał sporo emocji, bowiem tego rodzaju towar, ze względu na swoją cenę, stanowi szczególny rodzaj dóbr. Nabywając nieruchomość, inwestujemy spore ilości gotówki (lub też zadłużamy się w banku), warto więc podejść do tej transakcji na chłodno, nie kierując się emocjami i chwilową modą, ale rzetelną wiedzą i własnymi przemyśleniami. Oszacowanie wartości nieruchomości (nie jej ceny) stanowi zawsze pewne wyzwanie, a ze względu na takt, że takich transakcji dokonujemy najwyżej kilka razy w życiu (a niekiedy raz), często brakuje nam doświadczenia w tej kwestii.

Co jest najważniejszym parametrem w przypadku nieruchomości? Robert Kyiosaki podsumował istotę problemu w trzech słowach: lokalizacja, lokalizacja, lokalizacja. Nieruchomości, jak nazwa wskazuje, nie zmieniają swojego położenia, zatem stanowi ono integralną część ich wartości. Oczywiście, lokalizacja to nie wszystko. Poszukując odpowiedniej nieruchomości - niezależnie, czy będzie to kawalerka, dom, czy też lokal usługowy, musimy zwrócić uwagę na szereg innych właściwości, które się z nią wiążą. Zaniedbanie w tym względnie może skutkować nie tylko poważnymi stratami finansowymi (z utratą oszczędności życia włącznie), ale też narazić nas na szereg nieprzyjemności związanych z wizytami w sądach. Koniecznie więc należy sprawdzić, kto jest właścicielem i czy jest to pełna własność, czy użytkowanie wieczyste. Należy też dokładnie przestudiować księgi wieczyste, a jeżeli znajdują się w nich jakieś obciążenia, służebności i tym podobne – najlepiej jest skonsultować się z prawnikiem, który pomoże nam rozeznać, na ile zapisy w księdze mogą rzutować na naszą sytuację po sfinalizowaniu transakcji.

Jeżeli właściciel nieruchomości prowadzi lub prowadził działalność gospodarczą, należy zachować tym większą czujność i przez udaniem się do notariusza zażądać odpowiednich zaświadczeń, dowodzących, że ani urzędy, ani inni wierzyciele nie będą domagać się spłaty zaległości, których zastawem jest nabywana przez nas nieruchomość.

Niezależnie jednak od zapisów w księgach i zaświadczeń urzędowych, musimy pamiętać, że rynek nieruchomości podlega pewnym wahaniom, które są odbiciem zmian na światowych giełdach, a także odbiciem polityki – tej w wymiarze lokalnym ale i globalnym. Nie trzeba zbyt szerokiej wiedzy z zakresu politologii, by przewidzieć, że konflikt zbrojny, bankructwo jakiegoś kraju czy wahania kursu jego walut odbiją się niekorzystnie na cenach nieruchomości w danym regionie. Z drugiej strony, również decyzja na poziomie gminy czy powiatu mogą sprawić, że dotąd nieistotna działka nagle znajdzie się przy głównym węźle komunikacyjnym, więc jej wartość komercyjna wzroście, zaś mieszkaniowa – zmaleje.

Niezależnie więc od tego, czy kupujemy na rynku pierwotnym, czy wtórnym, zakup nieruchomości powinien wiązać się z dokładnym rozeznaniem sytuacji oraz porównaniem cen analogicznych nieruchomości, a także, w razie potrzeby, zasięgnięciem porady specjalistów.

Nieruchomości

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