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מהם הסיכונים הקיימים בבניית בית?

 

בפרויקט בניית בית פרטי יש סיכונים לא מעטים, על חלקם יש ביכולתנו להשפיע ועל חלקם, לא. בדרך כלל, הסיכונים אשר ביכולתנו להשפיע עליהם, הם הגדולים והבעייתיים יותר, במאמר זה ננסה למנות את מירב הסיכונים ולהבין את השפעתם על פרויקט בניית בית פרטי טיפוסי.

הסיכונים הקיימים בפרויקט בניית בית פרטי מתחלקים למספר משפחות:

  1.  הסיכונים הפיננסיים בבניית בית
  2.  סיכונים הנדסיים בבניית בית
  3.  סיכונים ביטוחיים בבניית בית
  4.  סיכונים בריאותיים בבניית בית

תחילה, נפרט את סוגי הסיכונים בכל משפחה ואז נבחן עד כמה כל סיכון הוא גדול ובעייתי.

הסיכונים הפיננסיים בפרויקט בניית בית

 

כשלים פיננסים בבניית בית יכולים להיווצר מהסיבות הבאות:

הכנת אומדן עלויות ראשוני לקוי

כלומר פרטים רבים חסרים והאומדן אינו נכון. התגלה פער גדול בין האומדן הראשוני לעלויות בפועל.

קורה שישנו פער גדול בין תכנון אומדן ראשוני לבין תכנון יותר יסודי לאחר שרכשת את המגרש. רשימת הפרטים שיש לדעת בכל היבט הנה ארוכה ולא תמיד קלה להבנה. הנושא מתחלק לעלויות המיסוי, האגרות וההיטלים ומהצד השני עלויות התכנון ועלויות הביצוע.

רשימה חלקית לעלויות שיש להכיר לפני רכישת המגרש

גובה היטלים ואגרות לעירייה ולמנהל, עליות פיתוח, מס רכישה, אגרות בנייה, היטלי ביוב, פיקוד העורף (הגא) מכבי אש וכדומה.

ניהול לקוי של הכסף במהלך פרויקט בניית בית

בפרויקט בנייה עובדים בעלי מקצוע רבים למשך פרקי זמן שונים, בעלויות שונות ובפרישות תשלומים שונות, ניהול התזרים בפרויקט בניה מסובך יותר מניהול התזרים של חלק לא מבוטל מהעסקים ובטח מניהול תזרים של משק בית רגיל, לפיכך חשוב שנדע את יתרות החוב שלנו בכל רגע נתון ובמיוחד לפני שאנו מבצעים רכישות או התחייבויות כספיות נוספות לפרויקט.

טיפ חשוב

חשוב לזכור – חשוב מאוד להיות אחראים בכל מה שקשור לתכנון תקציב יסודי ומדויק לפרויקט בניית בית פרטי. יש לוודא שכל הסעיפים נלקחו בחשבון.

הכסף אוזל עוד לפני סוף פרויקט בניית הבית

למרות שפה ושם אנו שומעים על משפחה שנגמר לה הכסף באמצע פרויקט בניית הבית, נדמה לנו שסעיף זה לכאורה לא יכול לקרות אצלנו. ישנן סיבות רבות היכולות להביא משפחה למצב בו נגמר הכסף טרם סיום פרויקט בניית הבית.

חשוב להבין מראש ולפני שהתחלנו להתחייב על סכומי כסף, איך סכום הכסף העומד לטובת הפרויקט עומד להתחלק בין הגורמים השונים, בפרויקט קיימות למעלה מ- 100 הוצאות שונות (בעלי מקצוע, חומרים, אגרות והיטלים ועוד), זוהי מערכת סבוכה מאד לניהול ובאותה מידה היא סכנה גדולה לגורל הפרויקט.

הקפידו לבנות לוח תקציב לפני הפרויקט ואל תעגלו פינות, אם כבר בקובץ התקציב, אתם מזהים חוסר תקציבי, דעו שחוסר זה רק יגדל בעקבות דברים לא צפויים שיצוצו ולא קיבלו ביטוי בקובץ בתקציב.

חרגנו בהוצאות הרכש

בדומה לבעלי המקצוע, גם עבור רכש חומרים צריכים להיות סעיפים בקובץ התקציב בצירוף סכום הכסף העומד לטובת כל סעיף רכש, רכישה של חומרים יקרים מהסכום שהוקצה להם בקובץ התקציב, משמעותה המיידית והלא משתמעת לשתי פנים היא חריגה תקציבית.

תחילת בנייה עם סכום כסף לא מתאים הוא אחד הנפוצים ביותר בבנייה הפרטית בישראל, בונים יוצאים לפרויקט בנייה ללא קובץ תקציב כלל או עם חריגה ידועה מראש, זאת בשל הערכתם שכל הפרמטרים המשפיעים על עלות הפרויקט ישחקו לטובתם, לא מעטים יוצאים לפרויקט בניה כשבאמתחתם חוסר תקציבי משמעותי, כזה שלא תהיה להם היכולת הפיננסית לגשר עליו ובמונחים אבסולוטיים, חוסר של 20%.

עדות לתופעה זו אפשר לקבל ע"י טיול בכל אחד מהישובים בארץ, כמעט בכל מקום ניתן לראות שלדי בתים העומדים שנים רבות ללא שינוי.

טיפ חשוב

תחילת בניה עם סכום כסף לא מתאים הוא אחד הנפוצים ביותר בבנייה הפרטית בישראל, בונים יוצאים לפרויקט בניה ללא קובץ תקציב כלל. חשוב מאוד להיות אחראים בכל מה שקשור לתכנון תקציב יסודי ומדויק לפרויקט הבנייה.

הסיכונים ההנדסיים בבניית בית פרטי

 

 

פרויקט בניית בית, ברמת הביצוע מורכב ממאות תהליכים וממספר רב של בעלי מקצוע. חלק מבעלי המקצוע עובדים לבד וחלקם עובדים במקביל ובנוסף תלויים זה בזה.

על כל אחד מהמבצעים חלה האחריות לבצע את עבודתם באיכות גבוהה ובהתאם לסטנדרטים והתקנים בישראל. חוסר בקיאות בתקנים, חוסר ניסיון, מיומנות וידע מובילים לתוצאה הפוכה מהנדרש והיא ליקויי בנייה.

ליקויי בנייה הנם התוצאה של תהליך אשר בוצע באופן לקוי. ליקויי בנייה יכולים להימצא בכל אחד משלבי הבנייה, ישנם ליקויים בתחום השלד, ישנם ליקויי איטום, ישנם ליקויי אינסטלציה, ישנם ליקויי ריצוף וכדומה.

טיפ חשוב

הבנה מלאה; מהי איכות בתחום הבנייה במובן הרחב של המילה הנה חיונית לצורך הצלחת הפרויקט. הבנה בנושא ליקויי בנייה, כיצד הם נובעים וכיצד למנוע אותם תעזור רבות להבטחת האיכות בפרויקט.

איכות בתחום הבנייה מובילה לתוצאה בה בוצע תהליך או בוצעו מספר תהליכים ללא כל פגם או ליקויי. בכדי להשיג איכות גבוהה בבניית הבית יש צורך בקבלן שמבצע את עבודתו ביסודיות רבה, בדיוק רב, מפגין בקיאות בדרישות התקן והסטנדרטים הישראלים ובעל מיומנות רבה בתחום

פרטי יצירת קשר

טלפון

054-6482222

דואר אלקטרוני

r.h.s0546482222@gmail.com

כתובתנו

https://www.rhsprojects.co.il

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