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Da die deutsche 'community' doch überraschend groß ist, die den Traum vom (Zweit)Wohnsitz im Ausland haben, werde ich hier meine
eigenen Erfahrungen sowie gesammelte Ratschläge von anderen Käufern unterbringen.
Dies ist speziell auf Ghana ausgerichtet.
Mein Hauptaugenmerk richtet sich auf 'already servized' Grundstücke; Wasser- und Stromanschlußmöglichkeit sollte schon vorhanden sein.
Das Grundstück ist 100 x 70 feet groß, ausreichend groß für einen netten kleinen Bungalow mit schönem Abstand zu den Nachbarn.
akkurate deutsche Umrechnung ;-) 30,40 m x 21,33 m = ca. 649 qm
Die plot-Suche geschah mit etwas Druck, da die Preise steigen und viele Grundbesitzer am liebsten gleich mehrere auf einmal versuchen zu verkaufen.
Bei der Suche und den Verhandlungen agiere ich nur im Hintergrund agiere; weisse Haut lässt bekanntlich den Preis steigen ;-)
Ende Januar 2011 - Suche erfolgreich beendet
Es ist fast geschafft.
Grundstück wurde anbezahlt, plot vermessen (Eckgrundstück 100 x 70 feet)
Betoneckpfähle mit Namen des neuen Grundstückseigentümers gesetzt.
Wenn
der surveyor die Papiere fertig hat (PLAN OF LAND und wir als
Grundstückseigentümer eingetragen sind) wird der Rest des Kaufpreises
bezahlt. Dies dauert ca. 3-4 Wochen.
Zur vorab Recherche! wurde eine Kopie des Grundstücksplans vom Eigentümer verlangt.
Diese beim Landsoffice prüfen lassen, ob es tatsächlich der rechtmäßige Besitzer ist (Kosten zw. 50 und 100 GHS).
Vermessung und Anzahlung plot (immer mit Zeugen von beiden Seiten)
Kosten momentan:
vorab Recherche bei
Landsoffice 50 GHS, Anzahlung f. plot, Surveyor 300 GHS, 150 bush
allowance, 2 Flaschen Schnaps für Chief.
Das sind nur Richtwerte, es kommt immer auf Verhandlungsgeschick, auch auf Glück und Beziehungen an ;-)
Praktische Tabellen Umrechnung feet / Meter (1 feet = 0,30 m) Umrechnung inch / Zentimeter (1 inch = 2,54 cm)
 
plot 100x70 feet Steinabgrenzung mit Namen
Lt. Surveyor können wir schon mit der Grundstücksmauer beginnen. Je schneller, desto besser, um das Grundstück deutlich abzugrenzen.
Erster Schritt, ein Fundament rundherum muss ausgegraben werden......
dazu müssen ca. 30 Bäume entfernt werden, leider. Aber diese Art der Wurzeln würden später dem Beton schaden.
7. Februar, vier Mann machen sich an die Arbeit, Aus- und Umgrabungen, Fundament für die Plot-Mauer soll in ca. einer Woche fertig sein.
9. Februar, Ausgrabung beendet.
Zement, Sand, Kies und Ziegeleinkauf muss nun zügig erfolgen.
 
 Anlieferung der blocks für Grundstücksmauer
 
Mai 2011
 
schattenspendende Bäume, sollten aber vor Bau entfernt werden, die Wurzeln würden das Fundament angreifen
 
die Entwicklung in der Gegend ist fortschreitend; immer mehr beginnen, Häuser zu bauen
........
Stunden, Tage, Wochen dauert es, bis man die Ideen im Kopf zu "Papier" bringt.
Es gibt sehr hilfreiche Software, kostenlose sowie auch erwerbbare.
Auf meinen Weg zur Verwirklichung half mir die freeware 'Sweet home 3 D'
Trotzdem kommt man um den Architekten am Ende nicht herum.....
in Entwicklung .......
Der Hausbau wurde "auf Eis" gelegt
Hilfreiche Hinweise zum Grundstückskauf in Ghana
.. aus Ghanafind. com http://www.ghanafind.com/ghana_guides.php?id=5
Buying Land In Ghana
Buying
land is no longer the challenge it once was, but the issues surrounding
land buying and the many types of land available can be confusing. This
site aims to provide you with all the information you need to get the
most out of your land.
Eligibility
There are no
restrictions for non-Ghanaians to buy or own land and property in Ghana
but they might follow a different set of procedures. Ghana’s trade
liberation program and massive support for inward investments had led to
promoting foreign investments. For this reason, the government is
working closely with Ghana Real Estate Developers Associations to
restructure and remove obstacles in the property sector.
A foreign
property investor who makes purchases in Ghana will also benefit from
series of government incentives which include taxation breaks, and
capital gains and all monies can be transferred out of Ghana without any
charge should the investor decide to sell the property at a later date.
Categories of lands in Ghana
There are 4 different types of land in Ghana, some of which cannot be privately owned:
- Government Land
- Vested Land
- Customary/Stool Land
- Family/Private Land
Stool
and family lands take up a huge percentage of available land. Customary
land belongs to different Stools in Ghana, who have the authority to
grant the particular customary land for which they are responsible. The
1992 Constitution states that there must be no free hold interest
granted in land.
Customary land granted to individuals or
families before the 1992 Constitution is considered private land. In
this case, buyer has to approach the land owner directly, a lot of
parcels of land fit in the category above are already sold in our
website on Ghanafind.
To acquire Government or Vested land, an
application has to be made to the Executive Secretary of the Lands
Commission. Alternatively, depending on the land location, application
can also be filed with the Regional Lands Officer.
Top things to look at when buying land
Buying
land is a huge investment, and one needs to make sure that all checks
are in place. There are various aspects that need to be looked at before
making the purchase.
1. Location
Remember the
estate agent cliché: location, location, location. Decide what exactly
you want and the location(s) that you are interested in buying in.
Depending on what your criteria is, you'll find that water, roadwork,
electricity and general community amenities vary with where the land is.
Once this is settled, you can then narrow the search area.
Building
costs will not go down if you choose to build in a less desirable
neighborhood. While the cost of the lot will be higher in a better area,
the price difference between lots will typically be far less than the
added equity you will gain by building in a better neighborhood.
You
can view a list of plots for sale in Ghana on Ghanafind. Our team will
be able to advice you on the potential areas and sales statistics in the
chosen area to give you bargaining power.
2. Utilities
Utilities
would include water, gas, electric, phone and television cable.
Discover how close the service is to the property. While electricity may
be available, the cost of bringing it to the lot may be more than you
imagine. If you cannot hook up to a sewer, what will it cost to install a
septic system, for example?
If you are not sure what utilities are
available or close to your lot, we'll survey is and let you know. You
just need to get in touch.
3. Zoning Requirements
Once
you have settled on the location(s), check with local authorities to
determine zoning ordinances and whether you can build the type of house
you want before committing to buying the land. It is also worth checking
with the Town & Planning Department as that is the best place for
you to get information on future planning such as malls, highways or
airports or to change the nearby land uses that could devalue your land.
4. Land Lease Type
Determine whether the land will be sold as a freehold land or a long term lease.
Leasehold:
This means that you have the property for the duration of the lease, it
then returns to the owner of the Freehold. There may be specific
obligation written into the lease that you need to be aware of, such as
maintenance. You will also have to pay the freeholder ground rent,
usually a small yearly sum.
Freehold: The owner of the Freehold has
complete control over the property and land subject only to planning and
building regulations. This increases the value of the property.
If
you are a Ghanaian, there are no restrictions to the type of lease.
However, for non-Ghanaians, further restrictions may apply. Please
contact us for more details. Technically a non-Ghanaian does not have
the right to own land outright in Ghana, however a Ghanaian business is a
Ghana entity and it may own land outright.
5. Elevation
If
the land is located near hills, how likely is the land to move? Some
slab foundations can crack if the land is unstable. Find out if your
parcel lies within the path of a potential landslide. For construction
near bodies of water, you might want to consider building a raised
foundation and make sure to buy flood insurance. If the land was once a
swamp, it is in your best interest to ask them about the condition of
their foundations.
6. Easements
Easements are
simply put, the right to be able to use someone’s landed property. If
access to your land is provided by driving across an adjoining parcel,
you should obtain an easement and make sure it is recorded. Find out who
maintains the roads and what your prorata share might cost for upkeep.
What rights do neighbors have to cross your land? Are the boundaries
clearly marked? Obtain title insurance, which will disclose easements
and restrictive covenants or conditions. These questions can be
clarified by the local authority or real estate lawyers. Having this
information will help you ensure that you have more control on the
property.
7. Financing Option
Explore the financing
options for purchasing the land. If there is a loan on the land, it
will typically need to be paid off before you can obtain a construction
loan, as lenders are reluctant to subordinate to a construction loan.
Some home builders use equity from existing property to purchase land,
and others work with lenders to find suitable construction loan
packages. Please contact us or visit our Mortgage Guide page for further
information.
8. Land Survey
One of the often
forgotten steps in any real estate purchase is the land survey. The best
time to have land survey undertaken is before you complete the process
of purchasing the land. This step is particularly necessary if the
parcel of land is in a rural or unchartered area. If purchasing land in a
housing tract, surveying would not typically be necessary but always
advisable. A proper survey will highlight all boundaries, services,
overhead power lines, public or other rights of ways, flood risk etc.
Walk
the lot, from the front to the back to get a feel of the terrain. What
might seem like a level lot when looking from the street may actually be
considered slope and require additional grading. During the inspection
period, have your contractor look at the lot and give you an idea of
what it will cost to have the land prepared for construction.
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