Momwe mungapezere ndalama za umayi ndi ndalama

Kwa zaka zisanu ndi zitatu, pulogalamu yaboma yakhala ikugwira ntchito ku Russia, momwe thandizo lazachuma limaperekedwa kwa mabanja achichepere. Mabanja omwe ali ndi mwana wachiwiri atha kutenga nawo gawo pulogalamuyi. Tiyeni tiwone momwe tingapezere ndalama zakuyembekezera.

Monga gawo la pulogalamuyi, banja losangalala limalandira satifiketi pamtengo, zomwe zimawonjezeka chaka chilichonse chifukwa cha kukwera kwamitengo. M'mbuyomu, anali 360 zikwi, tsopano ndi ofanana ndi 450 zikwi (panthawi yolemba - 2015).

Mwalamulo, banja limatha kugwiritsa ntchito ndalama m'njira zingapo. Tiyeni tione iwo mwatsatanetsatane.

1. Moyo wabwino... Banja lomwe lalandira satifiketi litha kuligwiritsa ntchito pomanga kapena kugula nyumba, kuti libwezere ngongole mwachangu.
2. Kuphunzitsa ana... Banja lomwe lili ndi satifiketi limatha kulipilira maphunziro a ana m'mabungwe aphunziro apanyumba. Izi ndi zabwino, chifukwa mtengo wamaphunziro sangatchulidwe kuti demokalase.
3. Wonjezerani ndalama zapenshoni zolipiridwa... Ndalama zitha kuyikidwa muthumba la penshoni la Russia Federation of state and non-state.
4. Zosowa za tsiku ndi tsiku... Malinga ndi lamuloli, banja lirilonse lomwe lili ndi ufulu wokhala ndi ndalama zoyembekezera limatha kutengapo gawo la ndalamazo pazosowa zomwe amakumana nazo tsiku lililonse. Kuchuluka kwa ndalama zosungidwa sikudutsa ma ruble zikwi khumi ndi ziwiri.

Ndikufuna kudziwa kuti ndizosatheka kupeza thandizo la boma ndi ndalama. Lamuloli silipereka izi. Mwanjira imeneyi, boma limateteza nzika ku chinyengo. Ufulu wopeza thandizo la ndalama kuchokera kuboma umaperekedwa kamodzi. Pachifukwa ichi, ganizirani zamomwe mungagwiritsire ntchito ndalama zanu.

Momwe mungagwiritsire ntchito capitalism kuti mugule nyumba

Ndizovuta kuti banja lachinyamata lomwe lili ndi ana ligule nyumba. Mwamwayi, ndalama zothandizira amayi zimathandiza. Ndalama zomwe boma limapereka zimaloledwa kugwiritsidwa ntchito pogula kapena kumanga nyumba zogona.

Ngati panthawi yobadwa kwa mwana wachiwiri banjali limakhala ndi ngongole yanyumba, gawo lina limaloledwa kulipira likulu la umayi. Lumikizanani ndi bungwe la ngongole ndi satifiketi ndikufunsira. Oimira thumba la penshoni adzafunsa zikalata zingapo kubanki zotsimikizira kuti ngongoleyo ndi ndalama zomwe zatsala. Pokhapokha pakaperekedwa zachitetezo pomwe ndalamazo zimasamutsidwa kwa wobwereka.

Chuma cha umayi ndi ndalama zabanja. Chifukwa chake, ngati mugwiritsa ntchito ndalamazo, muyenera kupereka magawo azinthu zomwe ana agula. Lamuloli silimakulitsa kukula kwa magawo, chifukwa chake atha kukhala ophiphiritsa.

Kuti mupeze ngongole yanyumba, kuwonjezera pa zikalata, chikalata chimafunikira chotsimikizira ufulu wolandila thandizo la boma. Musaiwale kuti ngati pofika pano mwawononga ndalama zochepa, simungagwiritse ntchito satifiketi panthawi yomwe mungalandire ngongole, popeza banki ikana ngongoleyo.

Banki iunikanso zomwe banja limapeza, kudziwa kuchuluka kwa ngongole ndi chiwongola dzanja. Ndalama za capital zidzawonjezedwa ku ndalama za ngongole. Kumbukirani, satifiketi si ndalama, imakupatsani mwayi wogwiritsa ntchito. Thumba liziwayika pambuyo polembetsa malo.

Ngati mungaganize zothandizidwa ndi boma kuti mulipire koyambirira, muyenera kulandira ngongole ziwiri kubanki. Tikulankhula za ndalama zobwerekedwa, zomwe zimawerengedwa potengera nthawi yobwereketsa komanso kuchuluka kwa zoperekazo. Ngongole idzagwa pamapewa anu, kuchuluka kwake kumafanana ndi kukula kwa likulu la umayi. Mpaka pomwe oimira thumba la penshoni abweze ngongoleyi, ayenera kulipira chiwongola dzanja.

Mabanki amalowa m'mapangano a ngongole ndi zopereka zomwe zimabwezeredwa ndi ndalama zazikulu, pamalipiro owonjezeka. Zotsatira zake, ndalama zazikulu zimagwiritsidwa ntchito polipira chiwongola dzanja. Ndibwino kulipira pangongole ndi ndalama zanu, ndikubweza gawo lina la ngongole kudzera pachiphaso.

Momwe mungalembetsere ndalama za umayi kwa mwana wachiwiri

Chuma cha amayi ndi chida chothandiza kwambiri pothandizira mabanja omwe akugwiritsidwa ntchito ndi akuluakulu aku Russia. Kuperekedwa kwa mtundu uwu wothandizira boma kumachitika mdera ladziko malinga ndi malamulo okhazikitsidwa ndi lamulo.

Ndizofunikira kudziwa kuti ndizosatheka kutulutsa ndalama kubanki. Zowonongera zimapangidwa osakhala ndalama pamaziko amgwirizano womaliza. Izi zikutanthauza kuti banjali silingagwiritse ntchito ndalama zochotseredwa pazinthu zina. Nthawi yomweyo, amayi amatha kupeza tchuthi cha amayi ndi abambo.

Banja lililonse laku Russia likhoza kulandira satifiketi ngati ikwaniritsa zomwe zikufunika. Mwa iwo:

1. Maonekedwe a mwana m'banja pambuyo pokhazikitsa pulogalamuyi.
2. Banjali silinalandire thandizo la boma.
3. Makolo kapena anthu omwe atenga mwana alibe zifukwa zomveka zolakwira ana.
4. Makolo ndi nzika za Russia.

Ndalama za amayi ndizolembedwa nthawi ndi nthawi. Boma litakhazikitsa pulogalamuyi, ndalama zothandizira zinali 250 zikwi. Tsopano yawirikiza kawiri. Zotsatira zake, banja limapeza mwayi wopeza ndalama zambiri zomwe zimathandizira kukonza moyo kapena kuphunzitsa mwanayo.

Maziko olandila ndalama ndikuwoneka kwa mwana wachiwiri m'banjamo. Ndikukuwuzani yemwe akufunsira ndalama ndi zomwe mungachite.

• Amayi omwe abereka kapena adatenga mwana wachiwiri, omwe sanalandire thandizo la boma.
• Amuna ndi makolo kapena makolo obereka a mwana wachiwiri yemwe sanakwanitse kugwiritsa ntchito satifiketi.
• Mtundu wothandizira boma umapezekanso kwa anthu omwe alandila ufulu wa makolo, mwachitsanzo, ngati mayi wa mwana wamwalira, wataya ufulu wa makolo kapena wapalamula mlandu.

Kuti mupeze satifiketi, yang'anani thumba la penshoni limodzi ndi fomu yofunsira, pasipoti, satifiketi yakubadwa kwa mwana ndi chikalata chotsimikizira kuti ndinu nzika. Mwezi umodzi, pitani ku nthambi ya PF kachiwiri ndikulandila satifiketi ndikutsegula akaunti ku banki yovomerezeka. Ngati mukukwaniritsa zofunikira ndikuphunzira kusunga ndalama, sinthani moyo wanu.

Chuma cha amayi opangira nyumba paokha

Chuma cha amayi oyembekezera chikuyimira thandizo la ndalama kuboma. Amathandizira banja laling'ono lokhala ndi ana kukonza moyo wabwino, kuti akhale ndi moyo wabwino.

Kuyika ndalama pomanga kanyumba kakang'ono kapena nyumba yabanja ndichimodzi mwazinthu zomwe mungagawire phindu.

1. Amaloledwa kugawa ndikuchotsa ndalama pazothandizidwa ndi boma pokhapokha mwana atakwanitsa zaka zitatu. Kenako mutha kuwononga ndalama pogula malo ndi zomangira, pokonzekera malo oti mumange.
2. Mukayamba kumanga nyumba lamulo likayamba kugwira ntchito, koma musanapemphe ndalama, ndalama zomwe mumalandira zimatha kubweza ndalamazo. Ndalama zochotserera amayi zitha kugwiritsidwa ntchito kuchepetsa ndalama zoyambirira.
3. Ndikupangira kuti muphunzire mosamalitsa momwe zinthu zikuyendera, popeza achinyengo omwe amapereka ndalama sankagona. Izi ndizoletsedwa ndi lamulo ndikulangidwa.
4. Mukayamba kumanga mwana atakwanitsa zaka zomwe zafotokozedwa pamwambapa, ndipo muwononga ndalamazo pomanga, onetsetsani kuti mukuganizira zinthu zingapo.
5. Ndalama zomwe thumba limapereka zimasamutsidwa ku akaunti yakubanki pang'onopang'ono. Gawo loyambilira limalandiridwa kwamasabata angapo, ndipo theka lachiwiri amalipiritsa pakatha miyezi isanu ndi umodzi. Nthawi ino ndiyokwanira kumanga maziko okhala ndi makoma ndi denga.
6. Kenako perekani zolembazo kwa oyenera. Pambuyo poganizira, oimira thumba adzaganiza zakupereka ndalama zotsalazo pomanga. Ngati yankho lanu likukhutiritsa, pitirizani kulipira komwe mwalandira.
7. Choyambirira, lembani fomu yofunsira kufalitsa likulu la umayi. Kupambana kwa mwambowo kumadalira chikalatacho.
8. Perekani chikalata chotsimikizira umwini wa tsambalo pomwe ntchito yomanga ikuchitika kubungwe la boma. Mufunikanso chilolezo kuchokera kuzantchito zomanga.

Ndinayesera kufotokoza zomwezo molondola momwe ndingathere. Sizipweteketsa kufunsa katswiri pofotokoza momwe zikalata ziyendera komanso nthawi yochitira zinthu. Mwambiri, njirayi ndi yayitali, koma zotsatira zake ndizoyenera.

Nkhani zaposachedwa za likulu la umayi

Pomaliza, ndidzagawana nawo uthenga wabwino wonena za ndalama za umayi. Kusungitsa ndalama ndi njira yosavuta yowonjezera ndalama.

Atsogoleri a State Duma akuganizira za ndalama yomwe idakonzedwa kuti iwonjezere kugwiritsa ntchito ndalama zaboma. Chimodzi mwazinthuzi chimapereka kugwiritsa ntchito ndalama kuchokera ku capitalism kuti mutsegule ndalama kubanki. Zotsatira zake, banja lomwe likuyenera kulandira satifiketi lizitha kulandira chiwongola dzanja.

Mabungwe amabanki, apanga njira yoyendetsera ndalama za amayi oyembekezera, zomwe ndizofunikira kutsatira malamulowo. Malamulowa ndi omwe adzawone chiwongola dzanja, nthawi yamgwirizano wamaphunziro ndi njira zochotsera magawo.

Olemba biluyi amakhulupirira kuti njirayi imachepetsa milandu pomwe nzika mosaloledwa zimawononga ndalama za umayi. Ntchito zoterezi zimaperekedwa ndi achinyengo omwe amafuna kutenga ndalama.

Lero, thandizo la boma limaloledwa kugwiritsidwa ntchito pazofunikira zina: kukonza moyo, kuphunzitsa ana, kupeza mapenshoni. Sikuti banja lililonse lotukuka liyenera kulipira maphunziro kapena kukonza miyoyo yawo, ndipo aliyense amafunikira ndalama zosowa zatsiku ndi tsiku. Zogawana zomwe zalandilidwa kuchokera pamalowo zithetsa vutoli pang'ono. Anthu azitha kugula katundu, kuwunika thanzi lawo ndikupumula.

Ndinagawana zidziwitso zakulandila ndalama za umayi ndalama. Ngati muli ndi mwana kapena mukufuna kukhala naye, zidziwitsozo zidzakuthandizani. Zabwino zonse kwa inu!

Onerani kanemayo: NDI KVM Update (July 2024).