Momwe mungapezere ngongole yanyumba yamakampani oyembekezera
Zomwe zimachitika pamsika wanyumba ndizoti ndizosatheka kuti munthu amene amapeza ndalama zambiri akhale mwini nyumba yake. Koma mabanja omwe ali ndi ana atha kupeza thandizo kuboma kuti atukule moyo wawo.
Mwana wachiwiri akawoneka m'banjamo, boma limapereka ndalama zomwe zitha kugwiritsidwa ntchito pophunzitsa ana, penshoni ya mayi kapena kugula nyumba - likulu lotchedwa amayi (banja). Pogwiritsa ntchito ndalamazi, mutha kugwiritsa ntchito imodzi mwama pulogalamu apadera obweza kubanki omwe mabanki amapereka. Kodi mungapeze bwanji ngongole yanyumba ku capitalism?
Kupeza ngongole yanyumba pansi pa umayi
Wolandila likulu la umayi amasankha banki yomwe imaperekanso ngongole yofananira yanyumba ndikufunsira ngongole, kuphatikiza satifiketi pakufunsira ndalama zomwe akuchikazi ayenera kubweza.
Ogwira ntchito kubanki adzawona kuchuluka kwa ngongolezo ndipo payekhapayekha adzaika chiwongola dzanja kutengera kutsimikizika kwa zikalata zomwe adapereka komanso solvency ya wobwereka ndi omwe adabwereka. Kuchuluka kwa ngongole yomwe ingachitike, kuyerekezera kutengera kuchuluka kwa ndalama zonse zakubanja, kuchuluka kwa capitalism kwa amayi akuwonjezeredwa, komwe kwa 2017-2018 ndi 480 zikwi za ruble.
Wobwereka amalandira ngongole yanyumba m'magawo awiri. Woyamba - poganizira chiwongola dzanja chomwe adapeza, amabweza pawokha popanda ndalama zake, zomwe amalandila pomanga ntchito pakampani, ndipo chachiwiri - kuchuluka kwa ndalama, amabwezeredwa ndi Pension Fund, wobwereka amalipira chiwongola dzanja cha gawo ili la ngongole palokha pa kulipira kwa banki yayikulu ya Russia, koma asanalandire ndalama zakubadwa kubanki.
Ndalama zomwe ziyenera kulipira malinga ndi satifiketi zimasamutsidwa molunjika kuakaunti yakubanki momwe mgwirizano wamalipiro umamalizidwa, pokhapokha kulembetsa nyumba zomwe zagulidwa ndi ngongole yanyumba, kukhala gawo limodzi la wolandila likulu ndi ana ake.
Ndi chiwembucho, banki imakulitsa ngongole yomwe ikuvomerezedwa ndi kuchuluka kwa capital, zomwe zimawonjezera mwayi wopeza malo abwino, ngakhale ndalama za wobwerekazo sizokwanira.
Kubweza pang'ono pangongole yanyumba ndi capital capital
Pangano lanyumba likamalizidwa mwana wachiwiri asanawonekere m'banjamo, atangobadwa kapena kuleredwa, banja limatha kugwiritsa ntchito ndalamazi kubweza ngongoleyo.
Mpaka posachedwa, zinali zosatheka kugwiritsa ntchito capitalism mpaka mwana wachiwiri afike zaka 3, koma tsopano, ngati pali zofunika kubweza ngongole yanyumba, itha kugwiritsidwa ntchito nthawi yomweyo. Ndikwanira kuti mupeze satifiketi patsamba la bungweli yotsimikizira ufulu wokhala ndi likulu la umayi (banja). Kenako chikalatacho chiyenera kuperekedwa kwa wobwereketsa kubanki, nthawi yomweyo lembani fomu yofunsira ndalama ku Thumba la Pension ndikupereka mgwirizano wololeza pamenepo. Munthawi yokhazikitsidwa ndi lamulo, pempholi liganiziridwa ndipo Thumba la Pension lidzasamutsa ndalama kubanki kuti zibwezere ngongolezo pangano lanyumba.
Pali zoletsa zina mukamapereka ngongole ya wobwereka kubanki:
- Malo okhala ogulidwa ndi ngongole yanyumba amapezeka kudera la Russian Federation;
- Pangano la ngongole limafotokoza momveka bwino cholinga chobwereketsa - "pakugula nyumba zogona ku adilesi ..." posonyeza dera la nyumba kapena nyumba;
- Nyumba zomwe zidagulidwa ndi ngongole yanyumba zimalembetsedwa muukapolo wolandila, ana ndi abale ena;
- Wobwereka kapena wobwereketsa pansi pa mgwirizano wanyumba ndiye kuti ndi amene amalandila ndalama za umayi kapena amene wakwatiwa naye mwalamulo;
- Ndalama za amayi oyembekezera zitha kugwiritsidwa ntchito kulipira gawo lalikulu la ngongole ndi chiwongola dzanja chochuluka. Wobwereka ayenera kulipira chindapusa, zilango ndi ma komisheni payekha.
Chiwongola dzanja cha ngongole yobweza, pambuyo pobweza gawo lake ndi likulu la makolo, chimayenera kukonzedwanso - kuchuluka kwa zolipira pamwezi kumatsika, ndipo nthawi yobwezera sikusintha. Padzakhala ndalama zaulere zogulira zovala zapamwamba kapena zida zapanyumba: ma teapot, toasters.
Kupanga chopereka choyambirira ndi capital capital
Popanda ndalama zanu kuti mupange ndalama zoyambirira, mutha kutenga ngongole yanyumba, ngati muli ndi satifiketi. Banki ikhoza kuloleza kuti wobwereka asadzilolere kubweza ngongoleyo asanapereke ngongole, koma ingodikirani mpaka Pension Fund itasamutsa ndalama zolipirira. Choperekacho ndi osachepera 10% ya mtengo wanyumba zogulidwa. Kukula kwa ngongole yokha kumadalira kutha kwa wobwereka.