Momwe mungasungire ndalama kuti mupeze nyumba - 5 njira zenizeni zopezera ndalama + malangizo othandiza osunga ndalama kuti mugule nyumba yanu

Moni, okondedwa owerenga Maganizo a Moyo! Lero tikukuuzani momwe mungapangire ndalama zanyumba ndikusunga ndalama kuti mugule nyumba yanu, ngakhale munthu amene amalandila ndalama zochepa.

Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!

Khalani ndi nyumba yanu (nyumba kapena nyumba) - loto losangalatsa la anthu ambiri. Komabe, si ambiri amene akufunitsitsa kuyamba kuyigwiritsa ntchito. Mantha amachititsidwa ndi mitengo yokwera pa mita imodzi, kuchuluka kwa malipiro, makamaka zigawo, komanso zovuta zamalamulo.

Monga mwambi wina umati,mseu uliwonse umayambira pa sitepe yoyamba... Mutha kukhazikitsa mapulani anu pokhazikitsa cholinga chotsimikizika ndikukhala ndi dongosolo logwirizana kuti mukwaniritse.

Bukuli ndi la iwo omwe, pokhala ndi ndalama zochepa koma zolimba, kapena chikhumbo chokha, kapena chosowa chofunikira, adaganiza zogula nyumba yawo, ngakhale atitsimikizira kuti ndizovuta, zosatheka ndipo zimawopseza ndi ngongole zazikulu kubanki.

Munkhaniyi muphunzira:

• Momwe mungapangire cholinga molondola;
• Kodi njira zenizeni zopeza ndi kusungitsira ndalama zilipo kuti mupeze ndalama zochuluka zogulira nyumba;
• Momwe mungasungire pogula nyumba kuchokera ma ruble 150,000 mpaka 200,000. ndi zina zambiri.

Kuphatikiza apo, mudzalandira maupangiri othandiza opezera ndikusunga ndalama zazikulu + njira zowonjezera. Izi zithandizira kukhazikitsa ndalama zogulira chisa cha mabanja awo m'mabanja achichepere, ndipo kwa iwo omwe adachita lendi nyumba pafupifupi moyo wawo wonse, zipatsa mwayi wopeza malo awo popanda ngongole zazikulu, zomwe, komabe, ndizovuta kupeza ndi malipiro wamba.

Werengani momwe mungagulire nyumba yanu mwachangu komanso momwe mwasungira pompano!

Upangiri wothandiza + njira zogwirira ntchito zopezera ndalama ndi ndalama zosungira nyumba

1. Zomwe muyenera kudziwa kuti mupeze ndalama ndikusunga nyumba ya chaka chimodzi - kuwerengera ndi mwayi 📝

Kuti mudziwe njira yopezera kapena kupulumutsa ndalama zanyumba, muyenera sankhani magawo ake... Koyamba, mphindi ino ikuwoneka ngati yopanda tanthauzo, komabe, monga zikuwonetsera, nthawi yambiri ndi ndalama zimagwiritsidwa ntchito posaka zomwe mukufuna.

Kuti mumalize kugulitsa, muyenera kukopa alireza, yomwe, pokhala ndi luso lapadera, imathandizira kumvetsetsa zosowa za kasitomala ndikuwona njira yoyenera.

Mwachitsanzo, ndikofunikira kwa munthu kuti pasukulu yapafupi kapena pasukulu ya kindergarten pafupi, gawo lamasewera la ana, kapena amatha maola angapo patsiku akufika kuntchito, koma njirayi itha kukhala yosavuta pogula nyumba pafupi ndi mzere wina wapafupi kapena mdera lomwelo ...

Makampani ogulitsa nyumba zogulitsa nyumba akakhala kuti akusankha nyumba, ndizachilengedwe mtengo wamalo akukwera pafupifupi 10 – 15%. Ndi mtengo wa chipinda chimodzi-likulu likulu pafupifupi 4-5 miliyoni za ruble, mtengo wazowonjezera ungafike ku 400-600 zikwi za ruble.

Ndalamazi zitha kugwiritsidwa ntchito pokonzanso kapena kugula mipando yabwino, mukuvomereza? Chifukwa chake, timasanthula zomwe zili zofunika kwambiri kwa ife ndi banja, ndikupanga mawonekedwe enieni a nyumba zomwe zakonzedwa kuti zigulidwe:

• Makhalidwe apanyumba: chipinda chimodzi, ziwiri kapena zitatu. Malo okhala zipinda zogona - mwachitsanzo, ngati muli ndi ana awiri, ndipo mugula nyumba yazipinda ziwiri, ndiye kuti mwayi wokhala ndi njira yophatikizira yolowera kuchipinda chogona musavomereze. Dera lina la nyumba ndi malo limaganiziridwa. Mwina mkazi wanu amakhala nthawi yayitali kukhitchini, ndipo nthawi zonse mumakhala alendo ambiri mnyumba, ndiye ndibwino kuti nyumbayo ikhale ndi khitchini yayikulu, komanso chipinda chochezera. Ngati padzakhala munthu wosungulumwa yemwe amangokhalira kuyenda kapena kudya m'malesitilanti, simuyenera kulabadira izi.
• Kodi nyumba ziyenera kukhala kuti: mkati kapena kunja kwa mzinda. Iwo omwe azolowera magalimoto ndikutopa ndi chipwirikiti cha mzindawu, amakonda zachilengedwe, amatha kudalira kugula nyumba (townhouse) m'kanyumba kapenanso pantchito yomanga. Mtengo ukhoza kukhala wotsika kapena kukhala wofanana. Ndikofunikira zomwe moyo wanu ukukhumba, ndikuti kugula komwe kukubwerako kumangobweretsa chisangalalo chokha ndipo kumalumikizidwa ndi malingaliro abwino. Maganizo amathandizira kwambiri.
• Mawu ogula: kulipira%, magawo panthaŵi inayake, kulipira ndi ndalama za amayi oyembekezera, kupeza ngongole yanyumba (yanyumba).
• Kuchuluka kwa ndalamaanasonkhanitsa kuti agule nyumba, ndi ndalama zololeka pamwezi pogula malo.

Mukangosankha pazinthu zonsezi, kuchuluka kwa zinthu zomwe zili ndi mawonekedwe ake, mulingo wamtengo ndi mawu olipilira azikhala ocheperako. Mwa izi, kudzakhala kotheka kusankha njira yomwe ingakwaniritse zofunikira zonse.

Kutengera magawo awa, timazindikira mwayi wa ndalama. Mwachitsanzo, chipinda chogona m'chigawochi chidzawononga pafupifupi 2 miliyoni rubles. Muli ndi ndalama zokwana 500,000. Kuti mugule mukufuna ma ruble 1.5 miliyoni enanso.

Zikawerengedwa kwa chaka, zimapezeka:Miyezi 1,500,000 / 12 = ma ruble 125,000.

Ndiye kuti, pachaka chogula, muyenera kuchedwetsa mwezi uliwonse by 125 000 pakani. Ngati ndalama zotere sizikuyembekezeredwa kuntchito komwe kulipo, ndiye kuti ndikofunikira kupeza njira yopangira ndalama mwachangu. Pali malingaliro angapo otsimikiziridwa pamalopo.

Malingaliro enieni ndi njira zopangira ndalama kugula nyumba

2. Momwe mungapangire ndalama yogona an - njira zisanu zotsimikizika

Ngati mukufunika kugula nyumba yanu, ndipo ndalama zikatsalira pamlingo, musathamangire kulowa "Ngongole yabowo 25-30 zaka "kusaina pangano lanyumba.

Akatswiri a zamaganizidwe amati zomwe zimakhudzidwa ndi ngongolezo ndizofanana ndi serfdom. Munthu amagwa muukapolo, chifukwa chofunitsitsa kulandira zinthu zakuthupi posachedwa. Amakhala pa "fiefdom", koma amawombola ndi ntchito yolimbika tsiku ndi tsiku.

Kugula china chake ngongole, anthu akugulitsa tsogolo lawo: malingaliro awo onse amathamangira pakufunika tsiku lina loti asungire ndalama zinazake.

Ganizirani masiku angapo osagona omwe mumatha kuganiza za kuthekera kwamavuto ena, kukwera mosayembekezereka kwamitengo ya ndalama ndipo, chifukwa chake, kuwonjezeka kofananako kwa mitengo m'masitolo. Ndipo kuopa kuchotsedwa ntchito, kuchotsedwa ntchito, kusowa mphamvu yakuthupi yogwirira ntchito ndi mphamvu yomweyo? Kodi sizovuta kuzipereka pakuwunika zosowa zanu ndi zomwe mungachite kuti muthane ndi vuto la onse chimodzi madzulo osagwiritsa ntchito thandizo kubanki?

Kutsatsa kumatitsimikizira kuti kutenga ngongole yanyumba ndi kopindulitsa chifukwa cha zomwe zimachitika kufufuma... Chifukwa chake, pogwiritsa ntchito zitsanzo, amatifotokozera kuti m'zaka 10-15 mtengo wanyumba ukuwonjezeka, ndalamazo zidzatsika, kotero kuti kulipira nyumba kumangokhala ndalama zochepa. Izi mwina sizoposa Njira yogulitsa yoganizira ukapolo wazachuma. Tidakambirana zambiri mwatsatanetsatane za ngongole yanyumba yomaliza.

Tiyeni tiwone zomwe zikuchitika ndikugwiritsa ntchito chitsanzo chotsatirachi 10 zaka. Mtengo wa malo ku Russia pafupifupi umatsalira pamlingo womwewo kapena watsika.

Zifukwa zake ndi izi:

• mphamvu yotsika yotsika;
• kuchuluka kwa mpikisano pamakampani omanga;
• kukwera kwamitengo ya ogula.

Zotsatira zake gulu lapakati sangakwanitse kugula nyumba ngakhale mothandizidwa ndi zinthu zogulitsa ngongole.

Tiyeni titenge, mwachitsanzo, mkhalidwe wamsika wanyumba mdera la Irkutsk. Pofika 2000, mtengo wa chipinda chimodzi mchipinda chatsopano chomwe chili ndi 45-60 sq. anali pafupifupi 2,500,000 ruble. Lero opanga amapereka nyumba zomwezo za 1 500 000 pukuta, kupereka kuchotsera Ma ruble 150,000 - 200,000. pa kukwezedwa kwa "Bweretsani mnzanu".

Nthawi yomweyo, malipiro ku Russia amakhalabe ofanana ndi zaka 7-8 zapitazo. Chuma cha ruble 15,000 - 20,000. mwezi uliwonse amaonedwa kuti ndi wabwinobwino. Malipiro okha ku Moscow ndi omwe ali ndiyezo wapamwamba. Ngakhale ku St. Petersburg, malipiro ake ndi ma ruble 30,000. kwa katswiri wamaphunziro apamwamba - Izi ndizoyenera.

Zotsatira: mutalandira ngongole yanyumba, mungafunikire kutero 10 Zaka zimalipira malipiro a 20-30 zikwi pamwezi, pomwe kukwera kwamitengo yazakudya ndi zofunikira kumachitika pafupipafupi kosangalatsa. Komanso, kufufuma mwalamulo amakhalabe pamalire abwinobwino.

Poganizira kuchotsedwa ntchito kwakukulu chifukwa cha zovuta zachuma zomwe zimachitika pafupipafupi zaka 2-3 zilizonse, mutha kulingalira za moyo wanu kwazaka ziwiri kapena zitatu zikubwerazi.

Zoyenera kuchita ndi momwe mungasinthire izi?

• Choyambirira, ndikofunikira kumvetsetsa kuti kugula nyumba ku Moscow, St. Petersburg kapena mzinda wina waukulu ku Russia ndichabechabe sizichitika... Izi zidzafunika khama.
• Chachiwiri, uyenera kusiya "malo otonthoza" kwakanthawi. Iliyonse ili ndi yake: malo ogona ku Khrushchev, 20 sq. dera, kulipira renti pamwezi ya ruble 10-15,000, kukhala ndi makolo, ndi zina zambiri.
• Chachitatu, ndikofunikira kupeza njira zatsopano zopezera ndalama zomwe zingakuthandizeni kuti musunge ndalama mwachangu ndikukweza chuma chanu.

Njira zomwe zafotokozedwa pansipa zithandizira kupeza ndalama zogona nyumba kwa chaka chimodzi kapena ziwiri.

Njira 1. Pangani ndalama zongokhala pa intaneti

Mpaka posachedwa, njirayi inali yabwino kwambiri ndipo imakhalabe m'malingaliro a anthu ambiri aku Russia. Koma cholinga sichikugwirizana ndi malingaliro onse achi Russia, koma kuti tipeze mtundu wathu wamabizinesi apaintaneti.

Mwakuchita, pamakhala milandu yambiri pomwe tsamba lokhazikika kapena blog yanu imasanduka bizinesi yabanja yokhala ndi ndalama zambiri. Chomwe chatsalira ndikufanizira zomwe zikupezeka pamsika wa intaneti, sankhani njira yanu, kudutsa kalasi yayikulu ndikuyamba ntchito yonse. Tikukulangizaninso kuti muwerenge nkhani yathu "Momwe mungapangire tsamba lanu nokha kwaulere - malangizo ndi sitepe."

Ofufuza akumadzulo amalimbikitsa kuti ngati simukukhutira ndi kuchuluka kwa ndalama, muyenera kuyang'ana mozungulira ndikuganizira zomwe mungachite. mwinakuti ngakhale zosangalatsa ibweretsa ndalama zochulukirapo kuposa zomwe zimapeza muukatswiri. Pankhaniyi, intaneti imapereka mwayi wopanda malire wakukula ndi mapindu. Werengani za kupanga ndalama pa intaneti popanda ndalama munkhani yina.

Mwachitsanzo, onani kusinthana kwa zolemba ngati muli ndi luso lolemba kapena mutha kupanga gulu la olemba. Mutha kugwira ntchitoyi munthawi yanu yaulere kapena kumapeto kwa sabata, ndikupangitsa kuti mugule nyumba.

Kapenanso, mutha kutenga ngongole yanyumba kapena yogula nyumba ndi malo, ndikulipira zolipira pamwezi pogwiritsa ntchito ndalama zongopeka kuchokera pa netiweki.

Njira 2. Kugula nyumba pangongole ndikubwereka

Kupeza ngongole yanyumba ndikulipira mokakamizidwa pogwiritsa ntchito ndalama zomwe mwalandira ndi njira yokhayo kwa iwo omwe ali ndi nyumba zina zokhalamo. Ngati nyumbayo ili pamalo abwino, Mwachitsanzopamsasa, pali mwayi wopuma, koma ayi kwa nthawi yayitali.

Zovuta zimatha kubwera ndi mwayi pomwe nyumba ili mdera lakutali pakati ndi zomangamanga. Mtengo wake ukhala wotsika kwambiri, koma sizokayikitsa kuti zingatheke kubweza ngongole yanyumba kudzera pamalipiro ochepa obwereka. Zomwezo zimagwiranso ntchito zazing'ono studio nyumba... Ndioyenera kukhala ndi ophunzira chifukwa chotsika mtengo, koma banja lomwe limakhala ndi ndalama zambiri sizingakhazikikebe.

Kuphatikiza apo, ayenera kumvetsera Zomwe kukhazikika kwa anyumba kungatanthauze kuwononga katundu... Pachifukwa ichi, mgwirizano umafotokoza kufunika kokhala ndi inshuwaransi.

Poganizira zofunikira zonse, ndizotheka kupeza nyumba yanu motere 10-15 zaka, malinga ndi kubweza ngongole yanyumba msanga.

Ubwino wake ndikuti ndalama zamsonkho zidzakhala ndalama zodziyimira pawokha, pomwe ndalama zambiri zimapita ku chakudya, maphunziro ndi zosowa zina zofunika pamoyo.

Njira 3. Kupeza ngongole yanyumba yotetezedwa ndi nyumba zomwe zilipo kale

Njirayi ndi yoyenera kwa iwo omwe ali ndi ndalama zochepa, zomwe sizingakwanire kubweza ngongole. Ngati pali nyumba, yomwe malowa sakwanira ana, kapena pakufunika kusintha malo okhala kapena ngakhale mzindawu, ndiye kuti ukhoza kulowetsedwa ngati chitetezo chopeza ngongole yanyumba.

Komabe, pali malire - kugulitsa nyumba sikuyenera kusokonezedwa: Chikole chaz ngongole zina, kumangidwa, ndi zina zambiri.

Tinalemba m'magazini yotsiriza za komwe ndi momwe mungapezere ngongole yopezeka ndi malo omwe alipo.

Njira 4. Kutsiliza kontrakitala wopanga ndalama

Njirayi ndiyabwino kwambiri akazi kapena okwatirana... Kuti mupeze nyumba, muyenera kupeza munthu wokalambayemwe ali ndi malo ndi nyumba kuti achite mgwirizano pazokhalitsa moyo wonse. Ma Lodger amasamalira munthu wosungulumwa, amamupatsa zofunikira.

Zindikirani! Padzakhala zolipira pamtundu wotere, koma ndizocheperako poyerekeza ndi mtengo wanyumba.

Ubwino ndi zovuta za njira iyi yogulira nyumba:

• KU zopindulitsa (+)Ndondomeko yalamulo yotereyi imatha kukhala chifukwa chotsika mtengo wopeza malo ndi nyumba, kuthekera kokhala mnyumba mosafunikira kubwereka nyumba ina ndikupeza ndalama zofananira.
• KU Zowonjezera (-)zitha kuchitika chifukwa chakuletsa renti nthawi iliyonse ndi mwini nyumbayo. Mwalamulo, mwayi woterewu umakhala kwa iye m'nthawi yonse ya moyo wake. Ndalama ndi nthawi yogwiritsira ntchito nthawi yonyamuka zidzatayika.

Ndikofunikira kukonzekera zovuta zomwe zingachitike mukamakhala ndi mlendo, osati kokha zakuthupi, komanso chikhalidwe chamaganizidwe... Kuti mupeze nyumba yosiririka, muyenera kupirira pang'ono.

Njira 5. Kupanga bizinesi yokhala ndi ndalama zambiri

Amakhulupirira kuti kuti apange phindu, amafunika kudutsa gawo lovuta lolembetsa bizinesi ndikukhala ndi capital capital. M'malo mwake, ichi ndi chikhulupiriro chabe, chopanda maziko.

Kulembetsa mtundu wosavuta wa bungwe - Makampani okhala ndi zovuta zochepa (LLC), likulu lovomerezeka la ma ruble 10,000 okha ndi omwe amafunikira. Ndalama zitha kugawanika pakati pa omwe adayambitsa nawo, zomwe zitha kukhala zopanda malire. Mu imodzi mwazolemba zam'mbuyomu, tafotokoza kale mwatsatanetsatane momwe tingatsegulire LLC patokha chaka chino - malangizo mwatsatanetsatane polembetsa mabungwe azovomerezeka adzakuthandizani ndi izi.

Komabe, pokopa anthu ambiri kubizinesi yanu, kumbukirani kuti malingaliro awo adzafunika kupanga zisankho zokhudzana ndi kayendetsedwe ka ndalama ndi bizinesi.

Ndikuchulukirachulukira, malingaliro awo akuthupi adzakula, ndipo chiwombolo cha gawo chimakhala chodula.

Ganizirani zomwe mukudziwa komanso zomwe mungachite. Zikuwoneka ngati zosavuta kugwira ntchito ndi munthu wina, koma kodi muli ndi chidaliro kuti ndalama zomwe mumapeza zimayenderana ndi luso lanu?

Mwachitsanzo:

Woyimira milandu amagwira ntchito muofesi yazamalamulo yopanda chiyembekezo zaka zoposa 5... Malipiro ake ali pafupi 30 000 pakani. mwezi uliwonse. Katswiri ali ndi:

• zochitika;
• zochitika pamilandu;
• amamvetsetsa nthambi zingapo zamalamulo;
• Amapambana mikangano yovuta yolimbana ndi kuyerekezera ma ruble mamiliyoni angapo kapena ngakhale madola;
• ali ndi mbiri yabwino komanso ndemanga zabwino kuchokera kwa makasitomala.

Mwina ndi panthawiyi pomwe muyenera kuyamba kupatukana ndi abwana ndikuyamba bizinesi yanu?

Zomwe zikufunika pokonza njirayi:

• malo a renti kapena katundu;
• kulembetsa ndi oyang'anira misonkho pamakampani;
• ogwira ntchito za akatswiri, ngati kasitomala wapeza zochulukirapo.

Wowerengera ndalama amatha kulembedwa ntchito kunja kuti asungire zolemba ndi kubweza mafayilo kanayi pachaka, ndikusunganso zolemba zanu zokha. Komanso, Olimba Malamulo - iyi si malo ogulitsa, zochitika zachuma zitha kuwerengedwa mosavuta.

Boma lachepetsa fomu yoperekera malipoti kwaomwe akuchita bizinesi. Omwe amapeza ndalama zochepa amatha kulembetsa misonkho yosavuta kuti athe kuchepetsa ndalama komanso malipoti.

---

Kugula nyumba kunja

Ndipo ngati nyumbayo ili kunja?

N'zochititsa chidwi kuti chiwembu chomwecho chingagulidwe osati ku Russia kokha komanso kunja. Tsopano nyumba yoyandikira tchuthi kapena kumapeto kwa sabata sakuonanso kuti ndi yopanda tanthauzo, makamaka chifukwa ndege yochokera ku Moscow ndi St. maola 3 - 5 okha... Pafupifupi nthawi yofananayi mutha kuyima pamsewu wamagalimoto ndikuyesera kuti mufike pakatikati pa likulu.

Mabanki aku Russia komanso akunja amapereka ngongole zogulira malo kunja. Pothandizira solvency, zikalata zandalama kapena chikole cha malo omwe amaperekedwa zimaperekedwa popanda zododometsa, popanda kumangidwa, ndi zoletsa zina pakuchotsa.

Chosangalatsa pakugula nyumba zakunja ndi mfundo zamtengo... Kugula chipinda chimodzi (pabalaza ndi chipinda chimodzi) kapena situdiyo (holo yokhala ndi khitchini yotseguka yaku America) 35-40 sq.m. zotheka pamtengo kuchokera madola 10,000.

Madivelopa amapanganso malingaliro osangalatsa: magawo a zaka 3-5 adzawononga 2-3% pachaka, polipira 100% ya ndalamazo nthawi imodzi, kuchotsera kwa 5-10% kumaperekedwa. Komabe, mukamalandila ngongole yakunja kuchokera ku mabanki aku Russia, muyenera kutenga zoopsa zomwe zingachitike ndikuzineneratu. Kwa iwo omwe amalandila ndalama zake madola kapena Yuro, mavuto azachuma ku Russia siowopsa. Mukapeza ndalama mu Ma ruble, ndiye, kulandira chiwongola dzanja chochepa pa ngongole yanyumba, muyenera kukhala okonzeka kudumpha kwambiri pamtengo wosinthanitsa.

KU zovuta kubwereketsa m'mabanki akunja kumatha kukhala chifukwa cha zovuta zazolemba. Zowonjezera zitha kuchitika pokhudzana ndi kumasulira, kulembetsa zikalata zolipirira ndalama, ziphaso zogulitsa nyumba ku Russia, mabanja, ndi zina zambiri.

Tiyenera kukumbukira kuti palibe banki yomwe ili ndi chiphaso ku Russia yomwe imapereka ngongole yanyumba yogula malo kunja kwa Russian Federation. Ndizotheka kulandira kokha ngongole ya ogula pamlingo winawake. Tanena kale kuti ndi banki iti yomwe ndibwino kutenga ngongole ya ogula pamtengo wotsika munkhani ina.

Mapulogalamuwa amaperekedwa m'mabanki otsatirawa:

• Sberbank waku Russia;
• VTB 24;
• NSBank;
• NK "Independent Bank Yomanga".

Kunja, nzika zaku Russia ndizofunika:

• Cajamurcia;
• Bankia;
• Santander;
• Wobanki.

Kusankha kogula malo ndi nyumba zakunja, ngati sizingatheke kugula nyumba ku Russia, makamaka mumzinda waukulu, kumatha kuganiziridwa ndi iwo omwe amagwiritsa ntchito intaneti. Mu nkhani imodzi yamagazini athu, mutha kuwerenga za kugwira ntchito pa intaneti popanda ndalama kapena chinyengo polipira tsiku lililonse mwatsatanetsatane.

Nyumba zidzakhala zotsika kakhumi, kununkhira kwa nyanja kudzamveka kuchokera pazenera chaka chonse, ndipo magombe abwino kwambiri azisangalalo padziko lapansi azikhala pafupi.

Boma lokhulupirika la visa ndi nyumba zotsika mtengo ku Bulgaria, Montenegro, Turkey, Egypt, ndi zina zambiri. Asanagwe ndalama zaku Russia, mitengo yamakampani m'maiko awa pamlingo wakale idafika 300 000 – 500 000 pakani. Pa ndalama zamtunduwu ku Russia, mutha kungogula garaja. Zimakhala zosavuta kusunga nyumba zotere.

Ngakhale zitawerengedwa pachaka, zimapezeka kuti ndikofunikira kuimitsa kaye ma ruble 25,000 - 40,000 okha. Ngati muwerengera mtengo wazaka 3, mumalandira ndalama zenizeni zenizeni ngakhale mutapeza phindu - kuyambira ma ruble 12,000 mpaka 13,500.

Malangizo othandiza amomwe mungasungire ndalama m'nyumba

3. Momwe mungasungire ndalama nyumba 💎 - Malangizo 6 othandiza osungira ndalama + njira zowonjezera

Njira zilizonse ndizabwino kukwaniritsa cholinga, makamaka ngati chilipo kugula nyumba yanu... Takuwuzani kale zomwe muyenera kudziwa mukamagula nyumba komanso zomwe muyenera kuziwona mukamagula malo ndi kugulitsa m'nkhani ina.

Zindikirani! Chosangalatsa ndichakuti, bajeti yambiri yamunthu kapena yamabanja imagwiritsidwa ntchito pazinthu zazing'ono. Mu chaka chomwe timapeza ndalama zosangalatsazomwe zitha kupita kukalipira ngongole za ngongole kapena maakaunti osunga.

Pofuna kuti musasunge ndalama kwazaka zambiri, ndibwino kuyesa kulimbitsa malamba anu kwazaka zingapo. Zotsatira zake zidzawonekera. Kuleza mtima pang'ono, kudzidalira pakuwononga ndalama, ndipo mutha kukhala mwini wanyumba yanu!

Tsopano tiyeni tiwone maupangiri othandiza amomwe mungasungire ndalama ndikuzisunga moyenera.

Langizo 1. Muyenera kulemba ndalama tsiku ndi tsiku ndi ndalama

Zolembera zitha kupangidwa mu kope. Pachifukwa ichi, misa tsopano yakhazikitsidwa ntchito mafoni, kuphatikiza zomwe zimapangidwira kubanki.

Mwachitsanzo, mwayi wosangalatsa umapezeka ku Internet Bank Alfa-Bank... Makinawa amagawa ndalama zonse m'magulu ena ndipo amapereka lipoti losinthidwa tsiku lililonse.

Makasitomala a mabungwe azachuma amadziwa zonse zomwe zidagwiritsidwa ntchito mwezi umodzi:

• kuyenda;
• mankhwala;
• Kuphunzira ngongole;
• kugula zinthu, ndi zina zambiri.

Kutengera ndi zotsatira, mutha kusanthula kuti ndi ndalama ziti zomwe ndizopambana komanso momwe mungasungire miyezi yotsatira.

Njirayi imakulolani kuti muyike malire ndi kukhazikitsa cholinga ndi tsiku loyenera.

MwachitsanzoY, muyenera kusunga ndalama zolipirira kuti mugule nyumba 500 000 pakani. Muyenera kukhazikitsa magawo ndipo mwezi uliwonse kuchokera ku akaunti ya debit kupita ku akaunti yosunga idzachotsedwa, mwachitsanzo, ndi 25 000 pakani.

Ndalama zowonjezera zitha kusungidwa ku ndalama kubanki ndi kulandira peresenti. Tidalemba za zomwe dipo ndi mitundu ya madipoziti yomwe ilipo m'magazini yatha.

Pali nkhani ina patsamba lathu yokhudza ngongole yanyumba popanda kubweza - tikukulangizani kuti muwerenge, ndipo muphunzira momwe mungapangire ngongole yanyumba popanda kubweza ngongole iliyonse pogula nyumba.

Upangiri 2. Ndizabwino ku bajeti komanso thanzi - kusiya kusuta ndi mowa

Mwachitsanzo, tsiku ndi tsiku mumazolowera kusuta paketi imodzi ya ndudu, mtengo wake ndi ma ruble 100. Wachiwiriyo amasutanso theka la paketi ya mtundu womwewo patsiku. Kwa tsiku limodzi, ndalama zimapezeka mu 150 pakani.

Mu chaka ndudu zokha zomwe zimagwiritsidwa ntchito 150 * 365 = 54 750 rubles.

Onjezani ku ndalamayi ndalama mowa... Tiyeni titenge Mwachitsanzo kumwa 3 malita a mowa kumapeto kwa sabata pamtengo wa ma ruble 50. pa lita imodzi. Ma ruble 150 okha patsiku. Mu chaka likukhalira 54 750 pakani. Pazonse, pachaka mutha kusunga ndalama posiya kusiya, Opaka 109,500

Powerengera nyumba ya ruble 2 miliyoni. m'chigawo muli 5% ya mtengo wake, zomwe zimatha kupita ku capital capital, yomwe nthawi zambiri imakhala kuchokera 20 mpaka 40%.

Langizo 3. Kanani kuyendera malo osiyanasiyana osangalatsa ndi maphwando

Cholinga ndikuti mugule nyumba, mutha kukana kupita kumalo azisangalalo. Ulendo uliwonse wopita ku bar kapena malo odyera amawononga ma ruble 3,000 mpaka 10,000. munthu aliyense komanso pamwambapa.

Poganizira kuti kutuluka koteroko kumachitika Loweruka ndi Lamlungu, pamakhala pafupifupi ma ruble 5,000. pa sabata, okwana 20,000 rubles. pamwezi. Zimatenga chaka kuti izi zitheke Ma ruble 240,000 iliyonse

Ngati simungakane kukayendera makalabu konse, ndiye kuti mutha kudzipangira nokha malire, Mwachitsanzo, Ma ruble 3,000. potuluka kulikonse.

Langizo 4. Lekani kuwononga ndalama pazinthu zosafunikira

Ogula nthawi zambiri amagula zinthu kapena zinthu zomwe sizikusowa kwenikweni. Nthawi zambiri, njira yapadera yotsatsira imagwiritsidwa ntchito ndi masitolo akuluakulu... Kulowa mu dipatimenti yoyamba, kugula zinthu zam'nyumba mopepuka, magazini owala, ndi zina zambiri.

Ngati mukufuna kusunga ndalama, pali njira imodzi yokha yochitira - kukonza mndandanda wazinthu zofunikira ndi zinthu musanapite ku masitolo ndikutsatira mosamalitsa.

Chiwembuchi chimakulolani kuti muzisunga 500 pakani. pa kugula kulikonse. Kwa mwezi wathunthu, ndalama zosayembekezereka zimapezeka pafupifupi ma ruble 15,000. Chaka chonse ndalamazo zidzawonjezeka mpaka ma ruble 180,000.

Tip 5. Kwa iwo omwe amachita renti nyumba - khalani ndi makolo anu ndikusunga ndalama

Ngati mukuchita lendi malo abwino okhala ndi kukonzanso kwabwino ku Europe, ndiye nthawi yoganiza zosamukira kwa makolo anu kapena nyumba zachuma kwakanthawi.

Mwachitsanzo, kubwereka chipinda chimodzi ku Moscow kumawononga ma ruble 30,000. Mutha kusunga ndalama posamukira kwa makolo anu kwa chaka chimodzi RUB 360,000

Langizo 6. Yesetsani kuchepetsa ndalama zomwe mumagwiritsa ntchito momwe mungathere

Ganizirani za zinthu zina zomwe mungachepetse osachepera zaka zingapo.

Izi zitha kukhala:

• kuyendera malo okwera mtengo amasewera, omwe angasinthidwe ndikuthamangitsana ndi mpweya wabwino kapena kugula zolembetsa ku kalabu yapafupi ndi nyumbayo pamtengo wotsika kangapo kuposa malo osankhika.
• kapena simungathe kukana kugula miyala yamtengo wapatali yamtengo wapatali, yomwe muli nayo yokwanira ndipo mutha kukana kugula zatsopano.

---

Tiyeni tiwunikire mwachidule zomwe zingachitike ngati dongosolo la ndalama likutsatiridwa:

1. Kukana mowa ndi kusuta - ma ruble a 109,500.
2. Zosokoneza zosangalatsa - ma ruble 240,000.
3. Zinthu zosafunikira ndi chakudya - ma ruble 180,000.
4. Kusamukira kwa makolo - ma ruble a 360,000.

Kupatula ndalama zina, zimapezeka RUB 889,500 Ziri pafupi theka la nyumba m'chigawocho, sichoncho?

Njira 6 zowonjezera capital ndikusunga nyumba

Momwe mungakulitsire ndalama - TOP-6 njira zowonjezera capital

Ndalama muakaunti zitha kukhala gwero la ndalama... Sikoyenera kuwayika pamtengo wotsika mtengo chifukwa cha kukwera kwamitengo. Kodi njira zowonjezera ndalama masiku ano ndi ziti? Kodi mungapeze ndalama ziti kuti mulandire ndalama pamwezi?

Njira nambala 1. Zosungitsa kubanki

Malo osungira ndalama kubanki ndi njira yotchuka kwambiri komanso yosavuta yowonjezera ndalama. Ndalama zitha kupangidwa lero mwachangu komanso osalumikizana ndi banki, ngati ndinu kasitomala wa bankiyi.

Mwachitsanzo, muli ndi khadi yolipira. Momwemo pa intaneti kapena ku banki yoyendetsa mafoni, ndalama zimangotengedwa kuakaunti yapadera yomwe ili ndi chiwongola dzanja mkati mwa mphindi zochepa. Sikofunikira kuti mupite kukaona katswiri kunthambi ya ngongole. Chiwongoladzanja chachokera ku 0.01 pamaso pa 18% kutengera kuchuluka komwe kwasamutsidwa kuti asungidwe komanso nthawi yomwe amasunga kubanki.

Alipo kusonkhanitsa, kapena kubwezeretsanso ndalama, kuchuluka kwa ndalama zomwe mungakwere, kapenaosabwezeretsanso - ndi kuchuluka kowonjezeka, koma ndi zilango zoyambira msanga. Ngati ndalamazo zimakhala zaka 1-3 kapena kupitilira apo kuti zipeze nyumba, ndibwino kuti musankhe njira yomaliza, ma risiti ochokera ku mapulogalamuwa ndiopindulitsa kwambiri.

Mutha kuyika ndalama ngati mu Chirashandipo ndalama zakunja... Kuchuluka kwa ndalama zakunja ndi kocheperako, koma ndalama zotetezedwa kumatetezedwa. Ndikofunikira kwambiri kudziwa izi mukamagula malo kunja.

Njira nambala 2. Investment mu thumba la penshoni losakhala la boma (NPF)

Chiwembu chopanga phindu chimafanana ndikutsegula ndalama. Mutha kupeza kuchokera pachaka 8-10% ya ndalama.

Njira nambala 3. Thumba la ndalama zonse (UIF)

Ndalama zothandizirana ndi njira yopindulitsa kwambiri pakuchulukitsa ndalama. Zimasiyana pakukhazikika ndi kudalirika. Ali ndi chiwonjezeko chowonjezeka - 30-60% pachaka, zomwe zimapereka mwayi poyerekeza ndi zinthu zakubanki.

Njira nambala 4. Kusinthana Kwadongosolo

Zotsatira zabwino zitha kupezeka pakupeza ndalama za Nkhani za PAMM... Mutha kupeza ndalama pamwezi kuchokera 4 mpaka 5% kuchokera kuchuluka kwa ndalama. Komabe, njirayi ili ndi zoopsa zazikulu. Kupeza kwakukulu kumatha kusandukiratu kosunga ndalama.

Mu imodzi mwazolemba zathu m'magazini athu, mutha kudziwa za chitsanzo chanu chopeza ndalama pa Forex kwa wamalonda woyamba.

Njira nambala 5. Kubwereka katundu wanu

Ngati pali malingaliro okukulitsa nyumba, Mwachitsanzo, kuchokera ku 2 mpaka 3 chipinda chogona chokhudzana ndi kubadwa kwa mwana, ndiye, ngati njira, mutha kupita kwakanthawi kwa makolo anu kapena kubwereka njira yachuma, ndi nyumba yanu kubwereka pamtengo wabwino.

Njira nambala 6. Lendi galimoto yanu

Ngati muli ndi galimoto, koma simumaigwiritsa ntchito kawirikawiri, ndiye kuti mutha renti ku taxi... Chuma cha ruble 10,000 - 15,000. mwezi uliwonse zikhala zothandiza.

---

Ngati muli ndi ndalama m'dera la ma ruble 500,000. ndipamwamba, tikulimbikitsidwa kugwiritsa ntchito njira zingapo.

Mwachitsanzo:

• RUB 300,000 atha kusiyidwa kubanki yosungira ndalama, atalandira ma ruble a 330,000 kumapeto kwa chaka.
• RUB 200,000 Kugawa pakati pa ndalama zothandizirana pakati ndi 15% mpaka 20%.

Chiwerengero cha chaka chonse kumaakaunti chidzakhala kuchuluka kwa ma ruble 115,000 ndi 120,000. motsatira.

Chifukwa chake kwa chaka kusungaku kudzawonjezeka kuchokera ku ruble 500,000. mpaka ma ruble 565,000.

Kodi ndizotheka kuti banja wamba lisunge ndalama zanyumba yosiririka yomwe ili ndi kaching'ono kochepa ndi momwe angachitire - maupangiri ndi zidule

4. Momwe mungasungire ndalama zanyumba ndi malipiro a 20,000 - 30,000 rubles pamwezi 💡

Pofuna kudziwa chiwembu chopeza ndalama ndi malipiro apakati ku Russia, m'pofunika kusankha komwe nyumba zofunika ziyenera kupezeka: ku Moscow / St. Petersburg (St. Petersburg) kapena m'chigawochi. Milandu iwiriyi idzakhala yosiyana kwambiri chifukwa cha kusiyana kwa mitengo.

Mwachitsanzo, tiyeni titenge chipinda chimodzi chokhala ndi chipinda chimodzi chokhala ndi 40-50 sq.m.

1) Nyumba m'chigawochi

Nyumba yogona chipinda chimodzi mderali idzawononga avareji ya miliyoni 2.1. Malipiro ake ndi ma ruble 30,000 pamwezi, koma ndizosatheka kusiya zonsezo kuti zisungidwe, popeza ndalama zogulira nyumba ndi nyumba zimafunikira, pamakhala zolipirira chakudya ndi galimoto.

Popeza mayendedwe anu ndiokwera mtengo, ndibwino kuti mugwiritse ntchito kaye gulitsakusiya ndalama zogulira nyumba.

Kubwereketsa nyumba kumadera ndi pafupifupi zikwi 14. Chakudya cha munthu m'modzi chidzawononga 8-9 zikwi.Yonse pamwezi ma ruble 7,000.

Mungasunge ndalama zingati kuti mugule nyumba: 2,100,000 / 7 = miyezi 300, ndiye kuti, yonse Zaka 25.

Ngati mumakhala ngati banja ndipo nonse mumagwira ntchito, ndiye kuti chiyembekezocho ndi chopambana. Izi zitenga pafupifupi 70 miyezi, ndiye 6 zaka. Komabe, pakuchita izi, vuto limodzi limachitika, pomwe awiri amapangidwa, ndiye kuti chipinda chimodzi sichokwanira.

2) Nyumba ku Moscow

Kukhala likulu pamalipiro a 20,000 - 30,000 rubles. Ndizosatheka kwenikweni, osanenapo zakusunga ndalama za nyumba zawo, makamaka mitengo ya ku Moscow.

Pafupifupi, malinga ndi ziwerengero, ndalama zomwe mumapeza pantchito ndi 70 000 pakani. Mutha kupeza ndalama zambiri likulu, koposa zonse, kuti mukhale ndi chidwi ndi kudzipereka.

Ngati muli ndi maphunziro abwino komanso luso, ndi bwino kuganizira momwe mungasinthire malo anu antchito kukhala opindulitsa kwambiri. Ndiyenera kutero kwakanthawi tulukani m'malo anu abwino, koma zotsatira zake zimakhala zabwino.

Popeza ndizotheka kusunga nyumba yokhala ndi phindu la 20-30 masauzande ochepa okha makumi zaka, ndiye sizipanga tanthauzo pakuwerengera.

Kodi ndizomveka kutenga ngongole yanyumba ndi ndalama zoterezi?

Tiyeni titembenuzire powerengetsera wa Sberbank wa Russia. Timalowa mumtengo wokwanira ma ruble 5 miliyoni. ndi ndalama za 30,000 ruble. Dongosololi likuwonetsa kuti ndi phindu lotere, mutha kupeza ma ruble 2 miliyoni. ngongole, ngakhale kuti ndalama zoyambirira za 1 miliyoni ruble ziperekedwa. Nthawi yobwezera idzakhala zaka 15, ndipo zolipira zochulukirapo zidzakhala ma ruble 2,168,000.

Fotokozani mwachidule. Ndi malipiro a 20,000 - 30,000 rubles. ndizosatheka kugula nyumba ku Moscow ngakhale mutakhala ndi ngongole yanyumba.

Kapenanso, mungaganizire kugula nyumba m'chigawo cha Moscow... Tsopano pali malo ambiri okhalamo omwe akumangidwa okhala ndi ulalo wachangu wonyamula kupita ku likulu. Kapena lingalirani zosamukira kudera lokhala ndi mitengo yotsika.

Mwa njira, mutha kugula nyumba pamtengo wotsika munyumba yatsopano pamalo ofukula. Koma apa ndikofunikira kuwunika zoopsa zonse zomwe kugula nyumba munyumba yatsopano kumaphatikizapo.

Muthanso kuyesa kusintha ntchito kapena kuyang'ana zotsatsa ku Moscow ndi malipiro apamwamba.

Momwe mungapangire ndalama kuti mukhale ndi nyumba mu zaka 3 kuchokera koyambira mumzinda waukulu (Moscow, St.

5. Momwe mungapangire ndalama munyumba ina ku Moscow zaka 3 - chitsanzo chowoneka bwino ndi kuwerengera 📊

Mwachitsanzo, chiwembu chasungidwe chakunyumba ndi nyumba likulu la banja lochita lendi nyumba ya ma ruble 30,000 / pamwezi chidzaperekedwa.

Chaka cha 1

Tiyerekeze kuti ndalama zomwe banja limapeza mwezi uliwonse ndi 110,000 rubles. pafupifupi 1,320,000 pachaka.Mwa awa, 360,000 amagwiritsidwa ntchito kubwereka nyumba, okwana ma ruble 960,000. mu chaka.

Nyumba yomwe banja likufuna kugula ndiyofunika 7 500 000 pakani. Poganizira kuwonjezeka kwa mitengo, kukonza ndi kukongoletsa mtengo - ma ruble 9,000,000.

Pambuyo pofufuza mtengo, zidapezeka kuti ndizotheka kupulumutsa ma ruble 720,000 pachaka. Zinasankhidwanso kuti zisamuke kupita kwa makolo kwa zaka ziwiri, ndalama zomwe zidasungidwa zinali ma ruble a 360,000 pachaka. Chiwerengero cha chaka choyamba chidasinthidwa RUB 1,080,000

Chaka chachiwiri

Banja liri ndi ndalama zowonjezera:

• Mkaziyo adayamba kulemba mabulogu ndikuyamba zolembalemba (zolemba)... Pazonse, amatha kupeza ndalama zowonjezera 15 000 pakani.
• Amuna anga adziwa mapulogalamu ndipo adayamba kulandira 15 000 pakani. mwezi uliwonse kudzera paokha.

Chifukwa chake, ndalamazo zidakwera mpaka ma ruble 140,000, ndipo pachaka - ma ruble 1,680,000. Mwa iwo apita kukasunga RUB 1,320,000

Ndalama zomwe zidasungidwa mchaka choyamba mu 1,080,000 zidasankhidwa kugawidwa m'magawo ena ndikuwapatsa ndalama:

• RUB 500,000 ikani ku 12% kubanki yodalirika. Kwa chaka chimodzi, gawo linawathamangira ndipo zinapezeka 560 000 pakani.
• Kuchuluka kwa ma ruble 300,000. adayikidwa muthumba limodzi ndi 15%. Kumapeto kwa chaka, zidapezeka 345 000 pakani.
• Ndalamayi ndi 280,000 rubles. idasamutsidwa kupita ku thumba lina lothandizana ndi 23% pachaka. Kubwerera kunalandiridwa 345 000 pakani.

Zonse chifukwa chazachuma kuchuluka kwa ma ruble 1,080,000. anakwanitsa kukula mpaka rubles 1,250,000.

Ndalama zopezedwa mchaka chachiwiri ma ruble 1,320,000. kuwonjezeredwa kuzomwe mwapeza ndi kusungitsa kumapeto kudzakupatsani RUB 2,570,000 Ndalama izi zikhala zokwanira kugula nyumba m'derali.

Chaka chachitatu

Mwachitsanzo, kuntchito anapatsidwa ma ruble 5,000. mwezi uliwonse, ndipo zomwe mnzake amapeza kuchokera pakulemba zidakwera ndi zomwezo. Chuma chonse pamwezi chinali ma ruble 150,000. Kuchokera kwa makolo anu, mumabwereranso ku nyumba ya lendi pamtengo womwewo komanso koyambirira - ma ruble 30,000. pamwezi.

Popeza chaka tsopano pali ndalama zokwana ma ruble 600,000. Zosunga zidzakhala zathunthu RUB 1,200,000

Ndalama tsopano zigawidwa motere:

• 1 miliyoni pa 10% pachaka kubanki, zomwe zidzasanduke 1 100 000 pakani.
• RUB 400,000 adayika ndalama zothandizana ndi 15%, ndipo pamapeto pake zimapezeka 460 000 pakani.
• RUB 600,000 akhala m'ndende yachitatu yothandizana ndi 10% ndalama. Zotsatira zake, zidzatengedwa 660 000 pakani.
• Ma ruble ena 570,000. idzasamutsidwa kwa amalonda a Forex pamlingo wa 15% pachaka. Ndalama zonse ziwonjezeka mpaka 656 000 pakani.

Chifukwa chake, malinga ndi zotsatira za chaka chachitatu, likulu lidzawonjezeka mpaka 2 876 000 pakani. + likulu pamtengo 1 200 000 pakani. kwa chaka chachitatu cha kudzikundikira. Tsopano ndalama zonse RUB 4,076,000 zokwanira kugula nyumba kumadera akutali a Moscow kapena nyumba yabwino 2 kapena ngakhale zipinda zitatu m'chigawochi.

Tebulo losungira nyumba ku Moscow kwa zaka 3:

1chaka th	2chaka th	3chaka th
RUB 1,320,000	RUB 2,570,000	RUB 4,076,000

Kuti mukwaniritse zotsatira za ma ruble 9 miliyoni, muyenera kutsatira njira yomweyo. Nthawi yonse idzakhala pafupifupi 6,5 zaka musanagule chuma chanu chachikulu.

Momwe mungasungire ndalama zambiri pogula nyumba - upangiri kuchokera kwa maloya otsogola

6. Momwe mungasungire mpaka 150,000 rubles pogula nyumba 📎

Pofuna kuthandizira kugulitsa malo, mabungwe amatauni amalipiritsa pafupifupi 150 000 kale 250 000 pakani. kuchokera pachinthucho, ndiko kuti, pafupifupi 1,5-2% kuchokera pamtengo wake.

Maloya otsogolera amalangiza kusiyanitsa malingaliro ntchito zogulitsa malo ndipo thandizo lalamulo... Choyamba, chithupsa posankha zotsatsa kapena kusaka kwa ogula. Njirayi imachitika moyenera - kudzera muma board a uthenga.

Zindikirani! Owerengera akatswiri ochepa amakhala ndi maziko awo, ndipo ndizodziwika chifukwa cha kusakhazikika chifukwa cha kusintha kwa kufunikira kwa ogula.

Pali malingaliro kuti mabungwe amatha kutenga zotsatsa zokhazokha kuchokera kumasamba awo, koma pakuchita izi amakhala ochepa nyumba imodzi kapena ziwiri, zomwe sizinafalitsidwe pagulu. Sizowona kuti zosankhazi ndizoyenera zofunika kwa wogula wina malinga ndi zomwe zili mderalo, dera, mtunda kuchokera pa metro, mtengo, ndi zina zambiri.

Kuyesa kwa bungweli kutengera zomwe zapezeka pamsika. Mwabwino kwambiri, kuwongolera kutulutsa kwa okhala m'nyumba zomwe agulidwa kumachitika, kuchotsedwa kwawo kumachitika.

Ngati ana amakhala m'nyumba, chilolezo chimaperekedwa kuchokera kwa oyang'anira ndi oyang'anira trasti kuti achotse kulembetsa komwe amakhala ndikukhalamo mokakamizidwa m'malo ena apakati ndi zinthu zomwe sizotsika kuposa zam'mbuyomu kapena makamaka zabwino kwambiri.

Ngati zosowa izi sizikukwaniritsidwa, kapena pali ngongole zantchito, zolipira misonkho, makamaka, zomwe wogulitsa angakulangizeni, ndi kuyang'ana pamalingaliro ena, mavuto ochepa pankhani yolembetsa komanso zotulukapo zake.

Kupeza nyumba yopanda womuyang'anira, kapena ngati eni ake ali ndi ana omwe sanalembetsere komwe amakhala makolo awo, ntchitoyi itha Kutsutsidwa kukhothi chifukwa chosatsatira ndondomeko zalamulo zolembetsa ndi kuphwanya ufulu wa ana.

Thandizo lazamalamulo limasiyanitsidwa ndi kumaliza kwa kusanthula osati zongopezeka zokha kapena zopezeka muulamuliro wa Rosreestr ndi kasamalidwe ka nyumba, komanso polosera zamtsogolo zomwe zingachitike chifukwa chosaina mgwirizano wogula ndi kugulitsa. Mwa njira, takhala tikulemba kale za zikalata zomwe zikufunika kuti tigulitse nyumba chaka chimodzi mwazofalitsa zathu.

Maloya omwe amadziwika bwino pamikangano yanyumba ndi nyumba atha kupereka zikhalidwe zilizonse zoyipa mtsogolo.

Ntchito yama realtors nthawi zambiri imafikira pakuwonetsa zinthu zomwe zilipo pamsika wa wogula, pofotokoza mawonekedwe awo. Aliyense akhoza kuchita yekha., makamaka popeza chidziwitso chonse chimapezeka mwaulere, ndipo kuwonera nyumba ndi kusankhidwa kwawo nthawi zambiri kumachitika kokha ndi wogula. Njira zakusaka ndizosintha ndipo sizisintha pakapita nthawi.

Pali gulu la ogulitsa nyumba omwe ali ndi luso lowunika zamalamulo okhudza nyumba ndikukhala ndi maphunziro azamalamulo apadera. Koma mayunitsi amenewa, ndipo ntchito zawo nthawi zambiri zimakhala zotsika mtengo. Amangodalirika osati kungofunafuna zopatsa chidwi, komanso kupereka chithandizo chalamulo pakugula ndi kugulitsa.

Udindo wa realtors ndikusungira nyumba pomaliza mgwirizano. Mwachizolowezi, mapangano otere nthawi zambiri amakhala ndi ambiri Osati kokha malamulo, komanso zolakwika za galamala... Mwinanso ambiri mwa iwo amasindikizidwa kuchokera pa intaneti osasintha ngakhale pang'ono.

Ntchito ya loya ndikuteteza zofuna za kasitomala, pomwe realtors amayesetsa kuti athandizidwe posachedwa. Izi zimatsimikiziridwa ndikuti pangano lolipira pasadakhale limamalizidwa panthawi yoyendera nyumbayo. kale kuwunika kuyera kwa zikalata zanyumba.

Kubwezeredwa kumachitika mokomera wogula pokhapokha ngati pali vuto pagulu lazogulitsa nyumba. Ngati malonda sangakwaniritsidwe pazifukwa zomveka, Mwachitsanzo, kupezeka kwa kumangidwa, kukhazikitsidwa kwa nyumba ngati chikole chazobweza ngongole ndi zina zambiri, wogulitsa samayang'anira izi... Chilichonse chomwe ayenera kuchita mgwirizanowu chimawerengedwa kuti chakwaniritsidwa.

Chifukwa chake, kulipira ngongole zantchito zogulitsa nyumba, wogula samalandira chitsimikizo choyera chazogulitsazo. Palibe mulingo woyenera wa chitetezo ndikulosera zamachitidwe ngati awa.

Thandizo la loya kudutsa pafupifupi 2-2,5 nthawi zotsika mtengo kuposa mtengo wothandizidwa kugulitsa nyumba, pomwe mulingo wa chitetezo cha wogula bwino kwambiri... Zambiri zimatengera kutalika kwa ntchito ndi luso la loya.

Pazinthu izi, zidaperekedwa kuti ndalama zitha kugulidwa mwachangu ku Moscow kapena St. Petersburg kapena zigawo. Tikukhulupirira kuti izi zikuthandizani kuti mukhale ndi malo osangalatsa osapitilira ngongole yanyumba kapena ukapolo wa ngongole. Ndipo kumbukirani kukonza mapulani azachuma, - maziko a tsogolo labwino m'dera lililonse la ubale.

Pomaliza, tikukulangizani kuti muyang'anekanema wa momwe mungapezere ndalama kapena momwe mungasungire nyumba:

Komanso kanema "Momwe ndi komwe kuli kopindulitsa kugula nyumba (munyumba yatsopano, yachiwiri) yopanda oyimira pakati":

Okondedwa owerenga magazini ya "RichPro.ru", ngati muli ndi malingaliro aliwonse pamutu wofalitsa kapena zokumana nazo pakupezera ndi kusunga nyumba, siyani ndemanga zanu ndi mayankho anu pankhaniyo. Ndithokozeretu!