Momwe mungapezere ndikugwiritsa ntchito capitalism kuti mumange nyumba yanu nokha: mndandanda wazolemba + mwatsatanetsatane malangizo ogwiritsa ntchito capital mat
Moni, okondedwa owerenga Maganizo a Moyo! Lero tikambirana za momwe tingagwiritsire ntchito ndalama za amayi popanga nyumba, momwe zingathekere, komanso zomwe zikufunika kuti tithandizidwe ndi boma?
Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!
Ku Russia, mabanja achichepere amatha kulandira otchedwa likulu la amayi... Ali ndi ufulu wogwiritsa ntchito ndalama zomwe anapatsidwa kuti kukonza moyo wanu... Ndi ndalama iyi, mutha kulipira mtengo wokhala nyumba zokhalamo.
Kuti akwaniritse izi, Ndikofunika kudziwamomwe mungapezere ndalama zoyembekezera zakumanga nyumba, komanso zoyipa zazikulu za njirayi.
Ponena za kagwiritsidwe ntchito ka capitalism pomanga nyumba, monga momwe mungagwiritsire ntchito (kuononga) ndi momwe mungapezere ndalama zoberekera nokha kuti mumange nyumba yanu nokha - werengani nkhaniyi
1. Kodi ndizotheka kugwiritsa ntchito (kugwiritsa ntchito) capitalism kuti mumange nyumba mu 2020 💸
KUCHOKERA 2010 zaka, mabanja achichepere ku Russia omwe ali ndi 1 kapena ana ambiri ali ndi mwayi wogwiritsa ntchito otchedwa satifiketi ya umayi yomanga nyumba yogona.
Mungagwiritse ntchito chiphaso chanu choberekera
Ziyenera kumvedwa: ndalamazo zitha kugwiritsidwa ntchito pokha pokha pomanga. Poterepa, muyenera kugula mundawo ndi ndalama zanu.
Asanayambe ntchito yomanga nyumba yolembetsera amayi, makolo ayenera kulumikizana Thumba Lapenshoni... Muyenera kusankha nthambi yomwe ili pamalo olembetsera.
Poterepa, muyenera kudikirira mpaka mwana atembenuka Zaka zitatu... Komabe, akatswiri amalangiza kuti apereke zikalata pasadakhale - za 30 masiku... Iyi ndi nthawi yochuluka yomwe idzatenge kuti muwone ndikupanga chisankho.
2. Momwe mungagwiritsire ntchito capitalism kuti mumange nyumba yanu nokha - mndandanda wazolemba + malangizo amomwe mungamangire nyumba pa capitalism ern
Ngati mungaganize zogwiritsa ntchito mat capital pomanga nyumba paokha, ndiye muyenera kutsatira njira zotsatirazi.
Gawo 1. Kugula ndi kulembetsa malo pamunda
Musanalembetse likulu kuti mumange nyumba, muyenera kumvetsetsa kuti malo omwe akukonzekera kumanga nyumba ayenera kukhala a mwini setifiketi ya umayi (kapena mnzake).
Kulembetsa malo omwe ali ndi umwini kumatha kuchitika motere:
- Gulani malo;
- Lembetsani ufulu wa cholowa;
- Lembani mgwirizano wamalipiro.
Ndikofunika kukumbukira! Ndalama zothandizira boma zimangotumizidwa pokhapokha kukonzanso nyumba.
Gawo 2. Sankhani kampani yomanga
Ngati mukufuna kudzimangira nokha nyumba, mutha kudumpha sitepe iyi.
Koma ngati mungakope kampani yomanga, ndiye kuti chisankhocho chiyenera kuchitidwa moyenera.
Mukamasankha kampani, muyenera kulingalira:
- Chiwerengero cha ntchito zomwe agwira (nyumba zomangidwa, ndi zina zambiri);
- Nthawi yopezeka pamsika womanga;
- Ndemanga zamakasitomala.
Ndikofunika kudziwa! Musanamalize mgwirizano ndi kampani yomanga, muyenera kuidziwitsa kuti mukopa ndalama za amayi mukamawerengera.
Simakampani onse azinsinsi omwe amagwirira ntchito pansi panjirayi.
Gawo 3. Sonkhanitsani zikalata ndikugwiritsa ntchito ku Thumba la Pension la Russian Federation
Musanayambe ntchito yomanga ndi ndalama za satifiketi ya umayi, muyenera kukonzekera zikalata zina.
Zolemba zofunika ndi izi:
- chiphaso;
- SNILS;
- mwachindunji satifiketi yokha;
- zikalata zosonyeza malo okhala ndi satifiketi ya umayi kapena mkazi wake;
- chilolezo cholembedwa chomanga nyumba zokhalamo;
- chitsimikizo kuti katundu womalizidwa adzalembetsedwa ngati katundu wabanja pasanapite nthawi 6 miyezi kuchokera tsiku lomaliza ntchito.
Zolemba zomwe zili pamwambapa ndizofunikira kwambiri. Kutengera mawonekedwe amomwe zinthu zilili, mungafunenso kuti mudziwe zambiri.
Mndandanda wathunthu uyenera kufotokozedwa mu PF RF musanakonze zikalata. Chonde dziwani kuti mapepala onse ayenera kukhala ovomerezeka patsiku lowonetsera. Izi zidzachepetsa kwambiri nthawi yogwiritsira ntchito njirayi.
Phukusi lomalizidwa limasamutsidwa ku Thumba la Pensheni, limaganiziridwa Masiku 30... Nthawi ino yapatsidwa kwa RF PF kuti ipange chisankho chabwino kapena cholakwika.
Ntchito yomangayi ivomerezedwa, theka la ndalamazo lipititsidwa kwa mwini setifiketi ya kholo. Ndalama zotsalazo sizimalipiridwa kale 6 miyezi. Komabe, muyenera kupereka zikalata zotsimikizira momwe akumangira miyezi isanu ndi umodzi iyi.
Gawo 4. Kulandila ndalama ku akaunti yapano
Gawo lomaliza la njirayi ndikulandila ndalama ku akaunti yapano.
Njira yosamutsira ndalama zimadalira omwe amasamutsidwira kwa:
- ngati ku akaunti ya mwini setifiketi ya umayi, ndiye kuti kusamutsaku kumachitika m'magawo awiri: 1) pakatha miyezi iwiri, gawo lina la ndalamazo (zosapitilira theka la ndalama zonse), 2) gawo lina lonse osapitilira miyezi isanu ndi umodzi pambuyo pake;
- ngati ku akaunti ya kontrakitala, ndiye kuti kusamutsaku kumachitika mu 1 kulipira.
Gawo 5. Kumanga nyumba
Ngati ntchito yomangayo izichitika yokha, ndiye kuti lamuloli limakhazikitsa nthawi yomwe mwini satifiketi ya umayi adzafike: muyenera kukhala ndi nthawi yomanga maziko a nyumbayo ndi chimango chake m'miyezi 6 (miyezi isanu ndi umodzi)... Popeza zitachitika izi ndalama zonse zimasamutsidwa ku akaunti yapano.
Pezani ndalama kuchokera ku Pension Fund ndikumanga nyumba pa capitalism
Ngati ntchitoyi ikuchitika ndi omanga (akatswiri), ndiye kuti zimatenga nthawi yocheperako, chifukwa chake, pankhaniyi, ndalama zonse zimasamutsidwa nthawi yomweyo ku akaunti yawo.
3. Momwe mungapezere ndalama zomangira nyumba mwana asanakwanitse zaka 3 💰 🔨
Lamuloli limakhazikitsa kuti zolipiritsa pansi pa satifiketi ya umayi mpaka mwanayo atembenuka 3 zaka, mutha kutumiza kokha kulipira ngongole yanyumba.
Komabe, pali njira yothetsera izi. Ndizotheka mpaka mwanayo atakwanitsa zaka zitatu umange nyumba iweyo... Koma muyenera kusunga zikalata zonse zotsimikizira mtengo wake. Mwana akatembenuka 3 chaka, muyenera kupita ku dipatimenti ya PF.
Kuti mulandire chipukuta misozi, kuphatikiza pasipoti, SNILS ndi satifiketi ya makolo, muyenera:
- chikalata chokhudza mwini mundawo;
- kalata yoti banja likuchita nawo pulogalamu yaboma yomanga nyumba yogona;
- chitsimikizo cholembedwa kuti kudzera 6 nyumbayo idzakhala ya banja kwa miyezi;
- zikalata zotsimikizira ndalama zomwe zachitika.
4. Momwe mungapezere mat mat capital yomanga nyumba pangongole 💳
Ngati simungathe kumanga nyumba pogwiritsa ntchito ndalama zanu, mutha kulembetsa kubanki kubanki pazinthu izi. Kodi ngongole yanyumba ndi yanyumba ndi chiyani, tidakambirana mwatsatanetsatane m'nkhani yomaliza.
Poterepa, ngongole yonse kapena gawo lake limalipira kuchokera ku likulu la amayi oyembekezera. Njirayi imapezeka mwana asanachitike 3 zaka. Kuti mumve zambiri zamomwe mungatengere ngongole yanyumba, werengani nkhani yolumikizira.
Kuti mulandire ndalama motere, muyenera kutumiza zikalata izi ku Thumba la Pensheni:
- chiphaso;
- SNILS;
- satifiketi ya umayi;
- mgwirizano wanyumba;
- lipoti la kubanki losonyeza kuchuluka kwa ngongole;
- chikalata chotsimikizira umwini wanyumba yomwe ikumangidwa kapena yomangidwa kale;
- chikalata chololeza kumanga nyumba, ngati ntchitoyo sinamalizidwebe;
- chitsimikizo kuti nyumbayo idzakhala ya banjali mkati mwa miyezi isanu ndi umodzi mutalandira likulu lakubadwira.
Kuti muwerengere pafupifupi ngongole yanyumba, mutha kugwiritsa ntchito chowerengera chanyumba.
Timalimbikitsanso kuwerenga - "Momwe mungagulire nyumba yolembetsera amayi".
5. Momwe mungapezere likulu pomanga nyumba ndi kutengapo gawo mofanana 📑
Ngakhale nyumbayo idamangidwa, ndizotheka kupereka matcapital. Ndalama zomwe amalandila zimabwezeredwa pazomwe zidawonongeka.
Kuti muchite izi, muyenera kutumiza zikalata ku Pension Fund:
- chiphaso;
- SNILS;
- Satifiketi yakulandila amayi;
- tengani pamawu amgwirizano;
- hayala yamgwirizano;
- satifiketi yosonyeza gawo la ndalama zomwe mudalipira ndi kuchuluka kwa ngongole yomwe yatsala;
- chitsimikizo kuti malo omwe akumangidwanso adzalembetsedwanso ndi banja pasanathe miyezi sikisi kuchokera pomaliza ntchito yomanga.
Poterepa, ogwira ntchito ku Pension Fund amaphunzira mosamala osati ufulu wolandila ukapolo, komanso chinthu chomwe chapezeka m'malo mwake.
Mwa njira iyi, pali mwayi osati kokha wogula nyumba zokonzeka, komanso kuti mumange nyumba yanu nokha pogwiritsa ntchito ndalama za likulu.
Komabe, nthawi zambiri mumatha kupeza mwayi wosinthira satifiketi yakubadwa ndi ndalama. Zikuganiza kuti zitha kugwiritsidwa ntchito pazinthu zilizonse. Ndikofunika kumvetsetsa: zoterezi zikutsutsana ndi malamulo oyenera.
Boma limayang'anirabe mosalekeza momwe ndalama za satifiketi yoyembekezera zagwiritsidwira ntchito. Simuyenera kuyesa kupeza ndalama zotere. Zochita ngati izi zimaonedwa ngati zachinyengo. Izi zipangitsa kuti aweruzidwe. Chifukwa chake, zochitika zonse zomwe zimakhudza amayi oyembekezera ziyenera kutsatira lamuloli.
Pomaliza, tikupangira kuwonera kanema:
Tikukhulupirira kuti tinatha kuyankha funso lokhudza kagwiritsidwe ntchito ka capitalism pomanga nyumba.
Ngati muli ndi mafunso, afunseni mu ndemanga pansipa. Mpaka nthawi yotsatira pamasamba a magazini ya RichPro.ru!