Ngongole popanda kubweza ngongole - zosankha zotsimikizika momwe mungapangire mabanki a 2020 + TOP-5 omwe amapereka ngongole yanyumba popanda kubweza

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Tsiku labwino, owerenga okondedwa a Magazini azachuma a Ideas for Life! Lero tikulankhulabe za kubwereketsa nyumba ndipo tiyeni tikambirane za ngongole yanyumba popanda kubweza ngongole: momwe mungatengere mu 2020 ndi mabanki ati omwe ali okonzeka kupereka ngongole yanyumba popanda kubweza.

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

Kuchokera m'nkhaniyi muphunzira:

Kodi ndindalama zanji zogulira kubweza ndipo zimapita kuti;
Kodi mawonekedwe a ngongole yanyumba yolipirira zero ndi ati?
Ndi njira ziti zomwe zingapezere ngongole yanyumba popanda ndalama zolipirira koyamba;
Ndi banki iti yomwe ingatenge ngongole yanyumba popanda kubweza ngongole;
Ndani angathandize kupeza ngongole yanyumba.

Pamapeto pa kufalitsa, mupeza mayankho okhudza ngongole yanyumba popanda kubweza ngongole yomwe ambiri omwe amafunsira ngongole zotere amakhala nayo.

Nkhaniyi ikhale yosangalatsa kwa aliyense amene akufuna kubwereketsa ngongole yanyumba. Tikukulangizani kuti musamalire kwambiri zomwe zafotokozedwazo kwa iwo omwe akufuna kupeza ngongole yogula nyumba zawo, koma alibe ndalama zokwanira kubweza koyamba.

Monga akunenera, nthawi ndi ndalama! Chifukwa chake, simuyenera kutaya mphindi, yambani kuwerenga pompano!

Mwa njira, makampani otsatirawa amapereka zabwino kwambiri pangongole:

Udindo	Yerekezerani	Nyamula nthawi	Zolemba malire kuchuluka	Osachepera kuchuluka	Zaka malire	Madeti omwe angakhalepo
1	Zogulitsa	3 min.	RUB 30,000 Onani!	RUB 100	18-65	Masiku 7-21
2	Zogulitsa	3 min.	RUB 70,000 Onani!	RUB 2,000	21-70	Masiku 10-168
3		1 min.	RUB 80,000 Onani!	RUB 1,500	18-75	Masiku 5-126.
4	Zogulitsa	Mphindi 4	RUB 30,000 Onani!	RUB 2,000	18-75	Masiku 7-30
5	Zogulitsa	-	RUB 70,000 Onani!	RUB 4,000	18-65	Masiku 24-140.
6		Mphindi 5.	RUB 15,000 Onani!	RUB 2,000	20-65	Masiku 5-30

Tsopano tiyeni tibwerere kumutu wankhani yathuyi ndikupitiliza.

Mwa njira, makampani otsatirawa amapereka zabwino kwambiri pangongole:

Udindo	Nyamula nthawi	Zolemba malire kuchuluka	Osachepera kuchuluka	Zaka malire	Madeti omwe angakhalepo
1	3 min.	RUB 30,000 Onani!	RUB 100	18-65	Masiku 7-21
2	3 min.	RUB 70,000 Onani!	RUB 2,000	21-70	Masiku 10-168
3	1 min.	RUB 80,000 Onani!	RUB 1,500	18-75	Masiku 5-126.
4	Mphindi 4	RUB 30,000 Onani!	RUB 2,000	18-75	Masiku 7-30
5	Mphindi 5.	RUB 15,000 Onani!	RUB 2,000	20-65	Masiku 5-30

Tsopano tibwerere kumutu wankhani yathu ndikupitiliza.

Momwe mungatengere ngongole popanda kubweza: ndi njira ziti zodziwika bwino komanso banki yomwe mungalandire ngongole popanda kubweza - werengani m'magazini ino

1. Kodi ndalama zolipirira ngongole yanyumba ndi chiyani ndipo ndi ziti 💰 🏠

Malipiro oyambira akalembetsa ngongole yanyumba, amatchula gawo la mtengo wa katundu amene wabwereka, yemwe wobwerekayo ayenera kukhala nawo kuti apeze ngongole kubanki.

Kutengera pulogalamu yosankhidwa yanyumba, ndalama zoyambilira zitha kusowa palimodzi, kapena zitha kufikira 90% ya mtengo wogula ndi malo.

Pachikhalidwe, magwero a zopereka zoyambirira akhoza kukhala:

ndalama;
ngongole ya ogula;
katundu wogulitsidwa.

Obwereketsa ayenera kudziwa kuti ngati kulipira kuli kochulukirapo 70% ya mtengo wa nyumba yomwe yagulidwa, njira yobweza ngongole yanyumba itha kukhala yopindulitsa ngongole ya ogula.

Njirayi sikuti idzangowonjezera njira zopezera ngongole, komanso kuchepetsa kuchuluka kwa ndalama zofunika. Izi ndichifukwa choti pakubwereketsa kwa ogula kulibentchito ndipo ndalama za inshuwaransichibadidwe cha ngongole yanyumba.

Komabe, chiwembu chomwe tafotokozachi sichili choyenera kwa aliyense, chifukwa nthawi zambiri lingaliro lopeza ngongole yanyumba limapangidwa ndi nzika zomwe zimakhala ndi ndalama zochepa kwambiri ngati zolipirira.

Lero mabanki amakulolani kuti mupeze ngongole yanyumba ndi ndalama zochepa kwambiri ngakhale osapezekanso.

Koma ziyenera kukumbukiridwa kuti powerengera ndalama zomwe zingatheke ngongole, banki imaganizira mtengo wa nyumbayo, yomwe idzakhazikitsidwe posanthula malowo wopanga.

Ngati wogulitsa akhazikitsa mtengo wanyumbayo wokwera kwambiri kuposa womwe amalingalira, ndiye kuti zochepa zomwe amalipira sizingakhale zokwanira. Banki iwerenga kuchuluka kwa ngongole zomwe zingatheke kutengera mtengo wowunika.

Kusiyanitsa kwa ndalama zanyumba zomwe zimapezeka pakuwerengera ndi mtengo wamsika wanyumbayo zimanyamulidwa kwathunthu ndi wobwereka ndipo ziyenera kulipidwa ngati ndalama zoyambirira. Mutha kuwerengera zolipira pogwiritsa ntchito chowerengera chathu chanyumba.

2. Makhalidwe a ngongole yanyumba popanda kubweza ngongole 🗒

Ngongole yomwe kulibe kubweza ngongole ili pachiwopsezo kwa onse omwe amabweza ngongole komanso kwa wobwereka yekha.

Asanachitike 2008 za chaka Mapulogalamu obweza ngongole omwe sankafuna kuti azisungidwa anali ponseponse ku Russia. Panthawiyo, mitengo yamalo ndi nyumba inali kukula mwachangu kwambiri kuposa momwe zimatheka kupeza ndalama zokwanira kulipirira.

Komabe, mavuto azachuma zidadzetsa kuti mabanki ambiri amayenera kusiya mapulogalamu angongole popanda kulipira. Kuphatikiza apo, izi zidachitika ngakhale panali kuchuluka kwamapulogalamu otere.

Komabe, polembetsa ngongole yanyumba popanda kubweza ngongole, pamakhala zoopsa zazikulu osati kokha kubungwe la ngongole, komanso kwa wobwereketsayo.

Ngati Kusintha wamangawa pazifukwa zilizonse zidzatsika, atagulitsa nyumba, mwina sangapeze chilichonse. Izi ndichifukwa choti mzaka zoyambirira ndalama zambiri zimalipira chiwongola dzanja. Nthawi yomweyo, kuchuluka kwa ngongole sikunasinthe.

Mtengo wa nyumbayo ukatsika kuyambira tsiku logula, pali kuthekera kuti wobwereketsayo azikhala ndi ngongole kubanki ngakhale atagulitsa nyumba yanyumba.

Ambiri obwereka amakhulupirira kuti kubweza ngongole ndi njira yabwino kwa iwo, yomwe iwapatse mwayi wolipira lendi mwa kulipira nyumba yawoyawo.

Poterepa, zinthu izi ziyenera kukumbukiridwa:

kawirikawiri, kulipira ngongole yanyumba mwezi ndi mwezi kumakhala kwakukulu kwambiri kuposa renti;
Pamafunika ndalama zocheperako panthawi yomwe pamafunika kubweza ngongole yanyumba, koma renti singathetsedwe (Mwachitsanzo, nyumbayi sinakongoletsedwe, kukonzanso kukuchitika ndi zifukwa zina).

Boma likuyesetsa kuchita zonse kuti ngongole zanyumba zitheke. Chifukwa chake, kubwereketsa ndalama zogulira nyumba ndi zolipira zochepa ndikukula bwino.

Lero AHML(Nyumba Yobwereketsa Nyumba), omwe magawo awo ndi otseguka m'malo ambiri aku Russia, amapereka mapulogalamu a ngongole yanyumba yolipira 10%.

Koma ziyenera kukumbukiridwa kuti izi zimapereka kumaliza mapangano ena a inshuwaransi... Mwachilengedwe, izi zimawonjezera kuchuluka kwa zolipiritsa zomaliza.

Mabanki ambiri samalandira ngongole zanyumba popanda kubweza ngongole, chifukwa kusowa kwa ndalama kumatha kuwonetsa ndalama zochepa, komanso kuwongolera bwino ndalama.

Akatswiri amalangiza obwereketsa mtsogolo kuti awone ngati ngongole zanyumba zilidi zoona. Pachifukwa ichi, ndikwanira kwa nthawi yayitali (osachepera miyezi isanu ndi umodzi) Kuyika pambali ku akaunti yakubanki yapadera kuchuluka kwa ndalama zomwe zikukonzedwa.

Ngati palibe zovuta ndi izi, ndipo ndalama zotsalazo zikwanira pamoyo wanu, mutha kulembetsa ngongole yanyumba mosamala. Poterepa, ndalama zomwe zasonkhanitsidwa zitha kugwiritsidwa ntchito ngati chindapusa choyambirira kapena motani kusungidwa kwachuma pakagwa zovuta zilizonse.

Kungakhale kovuta kupeza pulogalamu yanyumba popanda kubweza ngongole. Chifukwa chake, iwo omwe alibe njira yolipirira ali ndi njira ina yopezera ngongole yanyumba - landirani ndalama zoyambira gawo loyamba kudzera ngongole ya ogula... Takhala tikufotokozera kale momwe mungatengere ngongole kwa ogula mu imodzi mwazolemba zapitazo.

Poterepa, ziyenera kukumbukiridwa kuti chiwongola dzanja chotere ndichachikulu kwambiri. Koma zidzathekanso kuzibweza munthawi yochepa kwambiri.

Kwa iwo omwe amasankha njira iyi yopeza ngongole yanyumba, ofunika kukumbukirakuti mzaka zoyambilira malipirowo azikhala okwera kwambiri, chifukwa ngongole ziwiri ziyenera kulipidwa nthawi imodzi. Ichi ndichifukwa chake muyenera kuwunika mosamala ndalama zanu.

Zosankha zodziwika bwino zopeza ngongole yanyumba popanda kubweza

3. Momwe mungapangire ngongole yanyumba popanda kubweza - TOP-7 kapangidwe kake 📝

Mavuto azachuma abweretsa kuchepa kwa kutchuka kwakubwereketsa nyumba ku Russia komanso mayiko omwe kale anali USSR. Ziwerengero zikuwonetsa kutsika kwakukulu pakufuna ngongole yanyumba pazaka ziwiri zapitazi pafupifupi 20%.

Akatswiri amatikuti pakalibe kusintha kwachuma ku Russia, kuchepa kwa ngongole zanyumba kudzapitilira. Zikatero, mabungwe obwereketsa ndalama amakakamizidwa kuchitira mokhulupirika omwe angafune kubwereka, komanso kupanga mapulogalamu okongoletsa ngongole.

Nthawi yomweyo, mabanki sangakwanitse kuchepetsa milingoyo pamlingo 10%. Potengera kukwera kwamitengo kwaposachedwa, izi zithandizira kubweza ngongole zopanda phindu.

Pamavuto, mabungwe obwereketsa ndalama samalandira kubweza ngongole popanda kulipira. Komabe, pali njira zingapo zomwe zimalola wobwereka kupeza ngongole yanyumba popanda kusunga kokwanira. Tinalemba kale za momwe mungatengere ngongole yanyumba kapena nyumba ina.

Njira zazikulu zopezera ngongole popanda kubweza ngongole

Njira 1. Mapulogalamu okondera ngongole zanyumba

Kwa magulu osaziteteza a nzika boma lakonza mapulogalamu angapo omwe cholinga chake ndi kuthandiza kukonza nyumba. Mutha kudziwa kuti ndi mapulogalamu ati omwe akupezeka lero komwe wopemphayo amakhala oyang'anira maboma.

Nthawi zambiri, maubwino amaperekedwa asilikali, mabanja achichepere, ndi aphunzitsi achichepere... Ngongole zachigawo choyamba zimasiyanasiyana pakukwaniritsa, chifukwa chake tizilingalira padera.

Ngongole zanyumba zitha kugwiritsidwa ntchito ndi nzika zakubadwa sichipitirira 35 zaka... Kuti mutenge nawo gawo pulogalamuyi, muyenera kulumikizana ndi akuluakulu am'deralo kuti atsimikizire kufunika kokonza nyumba.

Ngati angasankhe bwino ntchitoyi, wopemphayo adzaikidwa pamzere kuti alandire satifiketi ya nyumba... Pambuyo pothandizidwa, pali njira zingapo zougwiritsira ntchito. Chodziwika kwambiri ndikutsatsa ndalama zothandizidwa kulipira ndalama zotsika.

Chonde dziwani kuti nthawi zambiri ndalama zimaperekedwa sichipitirira 10% ya mtengo wanyumba. Chifukwa chake, mabanki, omwe amapanga mapulogalamu akubweza mothandizidwa ndi boma, amakhazikitsa ndalama zoyambira pamlingo uno.

Pali chinthu china chofunikira kwambiri - kuchepa kwa chiphaso cha nyumba... Amalemba Miyezi 6, ndipanthawi imeneyi yomwe muyenera kusankha banki, kupeza nyumba zoyenera ndikumaliza malondawo mpaka kumapeto.

Ndikofunika kukumbukira kuti mabanki okha omwe ndi anzawo ndi omwe ali ndi ufulu wogwira ntchito ndi ngongole zanyumba. AHML.

Yankho 2. Ngongole zankhondo

Njirayi ndi yabwino kwa iwo omwe adasankha kubweza ngongole popanda ndalama zoti alipire koyamba. Koma njirayi imangopezeka kwa ankhondo okha.

Kuti mupeze ngongole yanyumba yankhondo, pali zinthu zingapo zomwe mungachite:

Khalani membala wa njira zosunga ndi kubweza ngongole;
Kudutsa 3 zaka kuchokera tsiku lomwe adalembetsa nawo pulogalamuyi, tumizani ku Rosvoenipoteka;
Mukalandira chilolezo chobwereketsa gawo lakale, pezani banki yomwe imagwira ntchito ndi ngongole yankhondo;
Sankhani malo abwino okhala, omwe amapezeka mdera lililonse mdzikolo;
Saina zikalata zofunika ndikukhala mwini nyumba kapena nyumba.

Ubwino wopeza ngongole yankhondo ndikuti omwe akuchita nawo pulogalamuyi Unduna wa Zachitetezo ku Russian Federation sikungopereka kokha chindapusa choyambirirakomanso pambuyo pake zolipira pamwezi.

Koma pali zoperewera:

Ufulu wothandizidwa ndi boma malinga ndi kugwira ntchito kwa chikumbumtima;
kuchuluka kwa ndalama zothandizira ndi 2,2 miliyoni miliyoni.

Tiyeneranso kukumbukira kuti mpaka kubweza ngongole yonse yanyumba, nyumbayo ikhale yochulukirapo chikole chachiwiri - kuchokera kubanki ndi boma.

Izi zikutanthauza kuti mutha kutaya malowo mwakufuna kwanu (Mwachitsanzo, kugulitsa kapena kupereka) msirikali adzalephera.

Njira 3. Ngongole yokhala ndi capital capital

Likulu la amayi ndi imodzi mwanjira zopezera thandizo kuboma. Ndalamayi imaperekedwa kwa mabanja omwe ali ndi mwana.

Kugwiritsa ntchito ndalama zoyendetsera amayi ngati ngongole yanyumba yobwereketsa

Imodzi mwa njira zogwiritsa ntchito ndalama zothandizira ndi malipiro oyamba mukamapempha ngongole yanyumba.

Lero kukula kwa likulu la umayi ndi 616 zikwi 617 rubles (kwa mwana wachiwiri) ndi ma ruble 466 zikwi 617 (kubadwa kwa woyamba). Pafupipafupi, ndalamazi zimakupatsani mwayi woti muziphimba 25% ya mtengo wanyumba. Chifukwa chake, ndalama zothandizira amayi amakhala okwanira kulipira gawo loyamba.

Chochitika chofunikira ndichakuti mukalembetsa ngongole yanyumba, mutha kugwiritsa ntchito capital capital atangobadwa kumene mwanayo (mosiyana ndi milandu ina yogwiritsa ntchito pakafunika kudikirira 3 za chaka).

Thandizo lisanatumizidwe ku ngongole, wofunsayo adzafunika pezani chilolezo ku Thumba la Pensionzomwe zimaperekedwa kale 2 miyezi.

Ndili ndi malingaliro, magwiridwe antchito a wobwereka adzawoneka motere:

Sakani womanga kapena wokhala ndi nyumba yomalizidwaomwe amavomereza kugulitsa nyumba zogulitsa pogwiritsa ntchito capitalism;
Kupeza chilolezo kuchokera ku Thumba la Pension pakagwiritsidwe ntchito ka capitalism yogula nyumba;
Sakani gulu la ngongole ndipo, moyenera, kusankha pulogalamu yanyumbamomwe mungapezere ngongole kuti mugule nyumba pogwiritsa ntchito capitalism ngati ndalama yobweza;
Kufunsira ngongole yanyumba;
Ngati pangachitike chisankho chabwino, kusaina mapangano, kupanga gawo loyambirira ndi satifiketi ya boma, kulembetsa nyumba zokhala ndi umwini ndikuyika ziphuphu.

Mwa njira, iwo omwe ali kale ndi ngongole yanyumba ali ndi ufulu wotumiza capitalism ya amayi oyembekezera kuti alipire ngongole zazikulu pamgwirizanowu.

Njira 4. Kukwezedwa pamalonda

Masiku ano, mabanki ambiri akutukuka mosiyanasiyana magawo abweza ngongole, kuphatikiza kulembetsa kwake ndi zero pansi... Nthawi zambiri, zotsatsa zoterezi zimachitika limodzi ndi omwe akutukula omwe akufuna kuwonjezera malonda.

Izi sizingatchulidwe kuti ndizodalirika mokwanira. Muyenera kudikirira nthawi yayitali kuti kukwezedwa kuyambitsidwe. Kuphatikiza apo, kusankha malo ndi nyumba pamapulogalamu ngati amenewa nthawi zambiri amakhala ochepa.

Njira 5. Ngongole zanyumba zotetezedwa ndi nyumba zogulitsa kale

Njira ina yopezera ngongole ngati mulibe ndalama koyambirira ndi gwiritsani ntchito malo ndi nyumba m'malo mwake.

Mabanki ambiri amachita izi mosavuta, chifukwa chiwembu chotere chimawathandiza. Kwa obwereka, njirayi ili ndi zoopsa zambiri.

Pali zinthu zingapo zokhudzana ndi kugulitsa nyumba ndi malo zomwe zikulonjezedwa:

kuthekera kogwiritsa ntchito ndalama;
katundu wambiri wanyumbayo;
kukhala mdera lomwe banki idalongosola.

Tiyenera kukumbukira kuti kuchuluka kwa ngongole yotetezedwa ndi malo ogulitsa nthawi zambiri sikudutsa 70% ya phindu lenileni la nyumbayo.

Njira 6. Chitetezo chowonjezera

Monga chitetezo chowonjezera, chomwe chidzalowe m'malo mwa kubweza koyambirira, pakhoza kukhala chikole cha zinthu zamtengo wapatali zilizonse.

Sizingakhale nyumba zogulitsa zokha, komanso zinthu zotsatirazi:

galimoto;
malo;
zitsulo zamtengo wapatali;
zotetezedwa.

Mabungwe angongole nthawi zambiri amavomereza ngati chikole ndalama zopindulitsa kwambiri zamadzimadzi... Akatswiri azama banki ali ndi luso pakuika ndalama, chifukwa chake sangathe kuvomereza kulandira zinthu zokayikitsa.

Yankho 7. Kupeza ndalama zotsika kudzera kubokosi la ogula

Zosankha zam'mbuyomu sizipezeka kwa aliyense. Nzika zambiri zilibe katundu wodula, alibe ufulu wothandizidwa ndi boma.

Zikatere, ena amasankha kutero kukonza ngongole za ogulayomwe imatumizidwa ku kulipira kwa zolipira pansi... Nthawi zina mabungwe obwereketsa ngongole amaperekanso mapulogalamu apadera. Munkhani yapadera, talemba kale momwe tingalandire ngongole popanda kukana.

Akatswiri amalimbikitsa kugwiritsa ntchito njirayi ngati njira yomaliza. Musaiwale kuti cholemetsa cha bajeti yamabanja ndi zidzawonjezeka kwambiri.

Nthawi yomweyo, muyenera kaye kufunsira ngongole yanyumba, ndipo mutenge ngongole ya ogula yokha pambuyo kuvomereza kwake. Takambirana kale zakomwe mungapeze ngongole popanda kukana m'nkhani yapita.

Ziwerengero zikuwonetsa kuti mavuto ambiri obweza ngongole yanyumba amalumikizidwa ndendende ndi kufunika kolipira ngongole zingapo nthawi imodzi.

Chifukwa chake, ngakhale pakalibe ndalama zoti apange gawo loyamba, pali mwayi wopeza ngongole yanyumba. Ndikofunikira kuti mufufuze zonse zomwe zilipo ndikupanga chisankho choyenera.

Chidule cha mabanki komwe mungatenge ngongole yanyumba popanda kubweza ngongole

4. Ndi mabanki ati omwe amapereka ngongole yanyumba popanda kubweza ngongole - Mabanki TOP-5 okhala ndi zinthu zabwino kwambiri best

Pakulimbana kwa makasitomala, mabanki ochulukirachulukira akupanga ngongole zanyumba zomwe zikuphatikiza kusapezeka malipiro oyambira... Komabe, si mapulogalamu onse omwe angaoneke ngati opindulitsa kwa obwereka.

Kuti mumvetsetse kuti ndi zinthu ziti zomwe zimapindulitsa kwambiri, sikuti muyenera kungophunzira, komanso kufananizira mapulogalamu amabanki osiyanasiyana. Ndizachilengedwe kuti chiwongola dzanja chabwino kwambiri chingapezeke m'mabungwe akuluakulu obwereketsa ndalama mdziko muno.

Tebulo ili m'munsiyi likuwonetsa chiwongola dzanja cha anthu asanu apamwamba:

№	Kuyendetsa ngongole	Pulogalamu	Voterani (mu% pachaka)
1.	Alfa Bank	Ngongole zotetezedwa ndi nyumba zokhalamo	12,3
2.	Sberbank	Ngongole zanyumba zokhala ndi capital capital	12,5
3.	VTB 24	Ngongole zankhondo	13,0
4.	Delta Mawu	Ngongole yaumwini pachimake choyamba chanyumba	15,0
5.	Zapsibkombank	Ngongole zanyumba popanda kubweza	16,0

5. Thandizani osinthitsa kupeza ngongole yanyumba popanda kubweza ngongole 📊

Kupeza pulogalamu yabwino kwambiri yanyumba kungakhale kovuta. Pali zotsatsa zambiri pamsika lero, zomwe sizoyenera kungokhala pendani, komanso yerekezerani.

Zovuta pakusankha pulogalamu yobweza ngongole zimakulirakulira ngati wobwerekayo alibe ndalama zopangira gawo loyamba, komanso ufulu wolandila thandizo kuboma.

Kuwongolera njira zosakira, komanso kupulumutsa nthawi yakukhazikitsa, thandizirani osintha ngongole zanyumba... Awa ndi akatswiri omwe amadziwa bwino zovuta zonse zazogulitsa ngongole zomwe zikugwira ntchito pamsika.

Ndizachilengedwe kuti osinthitsa amatenga ntchito yawo ntchito... Koma podziwa kuti nthawi zambiri amakwaniritsa zinthu zabwino kwambiri kwa kasitomala, wobwereketsayo amapambana.

M'mizinda ikuluikulu, nthawi zambiri mumakhala ochepa makampani ogulitsa mabizinesi... M'madera ang'onoang'ono, akatswiri nthawi zambiri amagwira ntchito pamaziko a mabungwe ogulitsa nyumba.

Ndikofunikira kusankha osinthitsa omwe ali ndi mbiri yabwino.

Mu likulu, atsogoleri pamsika wogulitsa ngongole ndi:

1) Ndalama Zachifumu

Ogwira ntchito brokerwa ali ndi chidziwitso chambiri m'mabungwe osiyanasiyana obwereketsa.

Chifukwa chake, amadziwa bwino zovuta zonse zanyumba.

2) LK-ngongole

Ngakhale kuti kampaniyo ndiyatsopano pamsika wama broker, yakwanitsa kupatsa mwayi kuyamikiridwa ndi makasitomala ambiri, komanso mbiri yabwino.

Safuna kulipira ngongole iliyonse, ndipo mabungwe onse amalipiritsa pokhapokha malinga ndi mgwirizano.

3) Laborator ya ngongole

Ogwira ntchito pakampaniyo adziwa zambiri pazaka zambiri pantchito yopindulitsa.

Izi zimathandizira kukonzekera wobwereka zopempha zodabwitsa kwambiri kuchokera kubanki.

Chifukwa chake, kuchuluka kwa osintha ngongole yanyumba ku Russia. Posankha omwe adzagwirizane nawo, chinthu chachikulu sikuti mufike kwa ochita zachinyengo.

Mbali yayikulu yomwe imasiyanitsa iwo ndi othandizira mwakhama ndi chofunikira kulipira komiti chilichonse chisanachitike.

6. Mafunso Ofunsidwa Kawirikawiri (FAQ) 🔔

Kupeza ngongole yanyumba si ntchito yophweka. Zimakhala zovuta kwambiri ngati ndalama zopangira gawo loyamba sizipezeka.

Ndi zachilengedwe kuti njirayi imabweretsa mafunso ambiri. Tidzayesa kupereka mayankho kwa otchuka kwambiri.

Funso 1. Kodi ndingatenge ngongole yanyumba popanda chindapusa komanso chikole chanyumba?

Kuti banki ivomereze kubweza ngongole, chimodzi mwazinthu zotsatirazi chidzafunika:

kupezeka kwa guarantor wodalirika;
woyenera kulandira ndalama kuboma;
kupezeka kwa chuma chamtengo wapatali chokwanira.

Pazifukwa izi zokha ndizotheka kupeza mapulogalamu omwe amapereka kuti pakhale ndalama zochepa.

Ena mwa omwe amafunsira kubweza mokhulupirira amakhulupirira kuti chindapusa cha nyumba zomwe adapeza ndikwanira kuti avomereze pa pempholi. Koma ichi ndi muzu sizowona.

Kukhumudwitsa kunyumba ndichofunikira pakubwereketsa ngongole yanyumba ndipo sichingaletse kufunika kokalipiratu. Zikuoneka kuti chikolecho chimaperekedwa mosalephera.

Funso 2. Kodi ndingapeze ngongole yanyumba kwa wopanga mapulogalamu osandilipiritsa?

Okonza akumenya nkhondo ndi mphamvu zawo zonse kwa wogula aliyense.

Kuti mufulumizitse kugulitsa nyumba m'nyumba zomangidwa (nyumba zatsopano), makampani omanga nthawi zambiri amatha mapangano ndi mabungwe akubankizomwe zimapereka mapulogalamu osiyanasiyana kuti akope obwereka. Kuphatikiza apo, nthawi zina, mutha kutenga ngongole kuchokera kwa wopanga mapulogalamu.

M'malo oyamba, ngongole yanyumba imaperekedwa kudzera kubanki... Nthawi yomweyo, maubwino angapo amatha kusiyanitsidwa poyerekeza ndi momwe kulibe mgwirizano ndi wopanga mapulogalamu.

Tiyeni tilembere pamndandandawu:

mikhalidwe yokhulupirika mokhulupirika;
Nthawi zambiri, wogwirizira amatenga zokambirana, amathandizira kusonkhanitsa zikalata, zomwe amadzipereka ku banki;
kufulumizitsa kulingalira za pempholo;
mwayi wapamwamba wosankha bwino.

Chimodzi mwanjira yachiwiri ndichakuti simuyenera kupita ku banki... Pangano la ngongole lidzamalizidwa mwachindunji ndi kampani yomanga.

Njirayi ili ndi zabwino zake:

simukuyenera kupereka zikalata pazandalama;
kulephera ndizokayikitsa;
palibe chifukwa chotenga inshuwaransi.

Koma palinso zofunikira kuchotsa - nthawi yamgwirizano nthawi zambiri siyidutsa 1 za chaka. Nthawi zosowa kwambiri, opanga amavomereza kuti atulutse izi 2-3 za chaka.

Zikupezeka kuti njirayi ndi magawo okhazikika.

Werengani za momwe mungagulire nyumba munyumba yatsopano kuchokera kwa wopanga mapulogalamu mu imodzi mwazolemba zathu.

Funso 3. Kodi ndikofunika kutenga ngongole yanyumba yachiwiri yopanda zero ndipo kodi pali phindu lililonse?

Ambiri omwe amalota kuti agule nyumba zawo alibe ndalama zopangira gawo loyamba. M'mikhalidwe imeneyi kubweza ngongole popanda zolipira koyamba akhoza kukhala yankho lokhalo. Koma chinthu chabwino ndikuyesera kupeza mwayi wopanga ndalama zochepa ngati zolipira.

Chowonadi ndi chakuti pakalibe kwathunthu, mlingowu ndichikhalidwe apamwamba osachepera ndi 3%... Popeza nthawi yayitali komanso kuchuluka kwa ngongole yanyumba, kulipira kwakukulu kumatha kukhala kwakukulu.

Ndalama zobwereketsa mukamapanga gawo loyamba zidzakhala zofunikira Zochepa... Izi zimabweretsa kuchepa osati kokha pakulipira mopitilira muyeso, komanso kukula kwa zolipira pamwezi.

Lang'anani akatswiri amalangiza santhula mosamala mapulogalamu onse omwe angakhalepo.

Nthawi zambiri, atapanga kuwerengera kosavuta, obwereka mtsogolo mwawokha amasankha kusiya ngongole popanda kubweza. M'malo mwake, amasunga ndalama kwa zaka zingapo mpaka zitadzipezera ndalama zoyambira kubweza.

Kuti muwerengere ngongole yanyumba, gwiritsani ntchito chowerengera:

Ngati palibe mwayi wodikirira nthawi yomwe ndalama zoyambira gawo loyamba zidzapezeke, mudzafunikirabe kugwiritsa ntchito mapulogalamu osakhalapo.

Kwa ambiri, ngongole yanyumba popanda kubweza ngongole ndiyo mwayi wokha wokhala m'nyumba zawo. Zingakhale zovuta kuzipereka, makamaka ngati kulibe ufulu wothandizidwa ndi boma.

Komabe, palibe chosatheka... Chinthu chachikulu sikutaya mtima ndikusanthula mosamala zopereka zonse pamsika.

💎 Pomaliza, tikukulangizani kuti muwonere kanema pamutu wanyumba popanda kubweza ngongole:

Gulu la Magazini yapaintaneti ya Ideas for Life likufuna owerenga ake kuti apeze ngongole yanyumba yopindulitsa kwambiri ndipo akuyembekeza kuti izitha kubweza mwachangu popanda mavuto.

Ngati muli ndi mafunso pa mutuwu, afunseni mu ndemanga pansipa. Tithokozeranso ngati mungavotere nkhani yathu ndikugawana nawo pamalo ochezera a pa Intaneti ndi anzanu. Mpaka nthawi yotsatira!

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