Momwe mungatengere ndalama zotetezedwa ndi PTS zamagalimoto, kugulitsa nyumba (nyumba) ndi zina: malangizo mwatsatanetsatane + kuwunika kwa makampani omwe ali ndi ngongole za TOP-5

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Moni, okondedwa owerenga Maganizo a Moyo! Munkhaniyi, tikukuwuzani momwe mungatengere ndalama pachitetezo cha galimoto, nyumba ndi zina PTS, komanso kupereka chithunzithunzi cha makampani obwereketsa omwe ali ndi mawu abwino.

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

Nthawi zina pakafunika ndalama mwachangu, ambiri amavomereza kuti azibwereka mwanjira iliyonse. Kusaka kumathandizidwa ngati pali katundu wina amene angalonjeze. Ndikofunikira kudziwa mitundu yonse yazomangamanga, chifukwa chake tapereka zofalitsa zamasiku ano pamutuwu.

Komanso m'nkhaniyi mupeza malangizo ndi sitepe kulandira ndalama zotetezedwa ndi nyumba ndi nyumba (PTS)... Pamapeto pake, mwachizolowezi timayankha mafunso otchuka kwambiri.

Ndiye tiyeni tizipita!

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 tibwerere kumutu wankhani yathu 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 ndalama zotetezedwa ndi katundu (Mutu wa galimoto, nyumba kapena malo ena onse) - werengani m'magazini ino

1. Makhalidwe olandila ndalama zotetezedwa ndi katundu 📄

Kulandila ndalama pa bail ndiko kulembetsa ngongole ndi kusamutsa kwa wobwereketsa ngati chitetezo cha katundu aliyense.

Posachedwa, njira iyi yopeza ndalama zobwerekedwa yatchuka kwambiri. Izi zikufotokozedwa 2-mikhalidwe:

↓ Kuchepetsa chiwopsezo cha wobwereketsa - ngati wobwereka akana kukwaniritsa zomwe wakwaniritsa, chikolecho chitha kugulitsidwa kuti alipire ngongoleyo;
↑ awonjezere mwayi wosankha chisankho - ndizotheka kulandira ndalama ngakhale mbiri yakale ya ngongole popanda chitsimikiziro cha solvency.

1.1. Momwe mungapezere ndalama pa bail - general scheme

Kulandila ndalama pa bail nthawi zonse kumachitika malinga ndi chiwembu chomwecho. Pachikhalidwe, zimaphatikizapo magawo awa:

Kukonzekera phukusi la zikalata ndikulemba fomu yofunsira;
kusanthula kuchuluka kwa wobwereka mtsogolo, komanso kuchuluka kwa solvency yake;
kusanthula mutu wa chikole, komanso kufunika kwake ndi wolemba ntchito;
kulembetsa inshuwaransi;
kusaina contract ndi zikalata zina, kulandira ndalama.

Kutenga inshuwaransi, ziyenera kukumbukiridwa chani obwereketsa ambiri amakhala ndi mapangano ndi omwe akuwayesa ntchito ndi makampani a inshuwaransi.
Zikatere, wobwereketsa alibe mwayi wodziyimira mnzake. Chifukwa chake, sizotheka nthawi zonse kudalira kapangidwe kabwino ka kuyesa ndi inshuwaransi.

Musaiwale kuti sizingatheke kubwereketsa ndalama zonse za chikole. Nthawi zambiri, obwereketsa amabwereketsa pafupifupi 20% poyerekeza ndi kuyesa. Izi zimawathandiza kukhazikika pangozi ya ngongole.

1.2. Ndi zofunikira ziti zomwe katundu ayenera kukwaniritsa kuti apereke ndalama pazachitetezo chake?

Kuti katundu apatsidwe ndalama, ayenera kukwaniritsa izi:

osakhala omangidwa;
Kutengapo gawo pakuyimba milandu;
ndi a wobwereka mtsogolo pamayendedwe a eni okha.

Kuphatikiza apo, obwereketsa amatenga ngongole pongoteteza chuma chamadzimadzi chokha.

Nthawi zambiri, amavomereza ngati chikole:

malowa;
zotetezedwa ndi madipoziti;
magalimoto;
zitsulo zamtengo wapatali;
nthawi zina - zaluso, zodzikongoletsera.

Zofunikira zina zazikulu zitha kuperekedwa pagulu lililonse lomwe latchulidwa. Izi zimachitika kuti zitsimikizire zamadzimadzi... Zimamveka ngati mwayi waukulu wogulitsa mwachangu katundu. Kwa wobwereketsa, izi zikutanthauza kuchepetsa mavuto,, popeza ngati wobwereketsayo akukana kukwaniritsa udindo wake, zidzakhala zosavuta kubweza ngongole ngati chikole.

1.3. Ubwino ndi Zoyipa Zopeza Ndalama za Bail

Monga zochitika zilizonse zandalama, kulandira ndalama za bail kuli ndi maubwino ndi zovuta zingapo.

Zina mwazabwino (+) ndi izi:

Kutheka kwakukulu kwa chisankho choyenera;
mitengo yotsika;
chiwerengero chochepa cha zikalata zofunika.

Ngakhale zabwino zake ndizabwino, kulandira ndalama za bail kumakhalanso ndi zovuta zingapo.

Zoyipa (-) zolandila bail ndi monga:

kukhazikitsidwa kwa chodzikongoletsera pa chikole;
nthawi yolembetsa;
ndalama zowonjezera pakuwunika ndi inshuwaransi.

Mukamabwereka ndalama pa belo, kumbukirani kuti mpaka kubweza ngongole yonse, wobwereka sangathe kutaya chuma chake mwakufuna kwake. Sizingagulitsidwe kapena kupatsidwa mphatso.

Ngati akukana kukwaniritsa zomwe abweze kubweza ndalama zomwe adalandila ngongole, wobwereketsa adzawononga zomwe walonjeza. Zotsatira zake, malowo adzagulitsidwa, ndipo ngongoleyo imaperekedwa pomalizira ndi ndalamazo.

1.4. Mitundu ya ngongole zomwe zimaperekedwa kuti zilandire ndalama motsutsana ndi chikole

Kugawidwa kwamitundu ingapo yamaboma kumachitika makamaka chifukwa chamalo olonjezedwawo. Obwereketsa amayesetsa kufikira ochulukirapo osiyanasiyana momwe angathere. Chifukwa chake, pafupifupi chilichonse chamadzi chimalandiridwa ngati chikole.

1) Pakulandila

Nthawi zambiri chiphaso wotchedwa mutu wa chikole. Itha kupangidwa motere kulembedwa, kapena imatha kudziwitsidwa. Njirayi imasiyanitsidwa ndi kupezeka kwa chitsimikizo chobweza ndalama zomwe zidasinthidwa kukhala ngongole.

Komabe, palibe ndalama zambiri. Nthawi zambiri njira yobwezera ndalama ndi chikole chotere imakhala yayitali.

2) Zotetezedwa ndi malo ndi nyumba

Ngongole zotetezedwa ndi malo ndi nyumba zimadziwika kale kubweza ngongole... Chosiyanitsa chawo ndi m'munsi ↓ chiwongola dzanja... Komabe, pakadali pano, zofunika zazikulu zimaperekedwa pamutu wa chikolecho (makamaka pakuwonjezera kwake).

3) Malo otetezedwa

Njira iyi yolandila ndalama pa bail siichulukirapo. Izi ndichifukwa cha otsika ↓ msinkhu wamagulu.

Zovuta zakugulitsa malo olonjezedwa zimafotokozera kukula kwa ngongole, komanso nthawi yobweza. Komanso, mlingo Mukalandira ndalama zotetezedwa ndi malo, nthawi zambiri zimakhala zapamwamba kwambiri.

4) Pachitetezo cha PTS (pasipoti yamagalimoto)

Pali njira ziwiri zokulandira ndalama zotetezedwa ndi PTS:

Ngongole yamagalimoto Ndi ngongole yolipira. Ndalama zomwe zimalandilidwa zitha kugwiritsidwa ntchito pokha kugula galimoto. Tinalemba kale za momwe mungapezere ngongole yamagalimoto komanso komwe kuli kopindulitsa kwambiri kuti mupeze mu imodzi mwazolemba zathu - tikukulangizani kuti muwerenge;
Kulandira ndalama pamachitetezo a galimoto yomwe ili nayo. Ntchito zoterezi nthawi zambiri zimaperekedwa ndi makampani apadera - Zogulitsa zamagalimoto.

Kulandila ndalama pa bail kumakupatsani mwayi wobwereka mwachangu komanso popanda zovuta zambiri. Komabe, kuti muchite bwino, muyenera kuphunzira mosamala ma nuances ake onse.

Kubwereka ndalama zotetezedwa ndi PTS

2. Ndalama zotetezedwa ndi PTS m'galimoto - ndizopindulitsa liti kutenga ndi momwe mungachitire bwino 💰

Njira yolandirira ndalama pazandalama ziyenera kusankhidwa nthawi zonse malinga ndi cholinga chobwereketsa.

Pachitetezo cha PTS, ndalama nthawi zambiri zimalandiridwa m'milandu iwiri:

kugula galimoto;
ngati kuli kotheka, tsimikizani mulingo wa solvency.

Ma nuances opereka ndalama zotetezedwa ndi zikalata zamagalimoto afotokozedwa mwatsatanetsatane pansipa.

2.1. Ndi liti lomwe limapindulitsa kubwereka ndalama zotetezedwa ndi magalimoto a PTS

Mukasankha kubwereka ndalama zotetezedwa ndi PTS, ndikofunikira kusanthula mosamala momwe ndalama zilili. Izi zikuthandizani kumvetsetsa kufunikira kogwiritsa ntchito ngongoleyi.

Kutenga ndalama pachiwopsezo cha PTS yamagalimoto kumathandiza pamavuto otsatirawa:

ndalama zikafunika mwachangu, ndipo palibe njira yosonkhanitsira zikalata zowonjezera;
palibe njira yogulitsa galimoto, popeza ndikofunikira pantchito komanso popereka njira zina zofunika;
ngati simungathe kutsimikizira kuthana kwanu.

Kulandila ndalama pachitetezo cha galimoto PTS kumakuthandizani kuthana ndi mavuto azachuma, ndipo galimoto imatsalira ndi inu.

2.2. Momwe mungatengere ndalama pachitetezo cha galimoto PTS - malangizo ndi sitepe

Anthu ambiri amamvetsetsa momwe amabwerekera ndalama pogwiritsa ntchito ngongole zachikhalidwe. Komabe, si aliyense amene amadziwa zomwe zimasiyanitsa kulandila ndalama pachitetezo cha PTS. Pakadali pano, kuthamanga kwakupereka ndalama kumadalira kwambiri kumveka kwa kutsata ndondomekoyi.

Pofuna kupewa zolakwika zomwe anthu ambiri amakonda komanso kuti mupeze ndalama mwachangu, muyenera kuphunzira zotsatirazi mosamala malangizo ndi sitepe.

Gawo 1. Kusankha wobwereketsa

Njira yosankha kampani yobwereka ndalama zotetezedwa ndi PTS siyosiyana ndi kupeza wobwereketsa munthawi ina iliyonse.

Ndikofunikira kuchita izi:

yerekezerani mavoti amakampani osiyanasiyana;
phunzirani ndemanga za makasitomala;
fufuzani mapulogalamu omwe akufuna kubweza;
yerekezerani mawu awo ndi mitengo.

Gawo 2. Kutumiza ntchito ndi kukonzekera phukusi la zikalata

Obwereketsa ambiri odalirika amayesetsa kuti azikhala ndi nthawi komanso kupatsa makasitomala awo zosankha zosiyanasiyana.

Mutha kulembetsa mwanjira izi:

pa intaneti patsamba;
poyimbira call-center;
pochezera ofesi ya kampaniyo.

Mukadzaza mafunso, ndikofunikira kukhala osamala momwe zingathere. Zolakwika zilizonse, zolakwika ndi zolemba zina zitha kupangitsa kuti wobwereketsayo akukana kupereka ndalama zotetezedwa ndi PTS.

Ntchito ikatumizidwa, muyenera kudikirira chisankho choyambirira... Ngati kuvomerezedwa kukupezeka pakadali pano, ndikofunikira kukonzekera phukusi la zikalata... Mndandandawo umatumizidwa patsamba la omwe akubwereketsa.

koma akatswiri amalangiza ngati muli ndi nthawi, muzigwiritsa ntchito poyendera ofesi ya kampani. Poterepa, mudzatha kufunsa mafunso anu onse pomwepo. Zotsatira zake, ndalamazo zidzalandiridwa popanda zovuta, simudzasowa kukapereka zikalatazo kangapo.

Wobwereketsa aliyense amapanga mndandanda. Komabe, mukalandira ndalama zotetezedwa ndi PTS, ndi bwino kudandaula pasadakhale zakukonzekera zikalata osati zongobwereka mtsogolo zokha, komanso nkhani yazobweza.

Gawo 3. Kuwunika kwamagalimoto

Ngakhale zili choncho polembetsa ngongole yomwe ikukambidwa, kokha PTS, bungwe lolembetsa ngongole limafunikira kuwunika galimoto.

Ndalama zomwe zingapezeke pa bail zimadalira mtengo womwe udzaululidwe posanthula koteroko. Nthawi zambiri, iye sichipitilira 60% ya mtengo wamagalimoto.

Nthawi zambiri, mabungwe azangongole amapereka mwayi wowunika kampani yomwe angafune. Pamenepa ntchito kusanthula kukhoza kupitilizidwa ↑, ndipo mtengo woyesedwa wonetsedwa ↓. Chifukwa chake, mkhalidwe wabwino ndi pamene wobwereketsayo amalola wobwereka kuti asankhe mwaufulu womupatsa mwayi.

Gawo 4. Kusayina contract

Akatswiri satopa kubwereza: musanalembe siginecha pamgwirizanowu, womwe umakhazikitsa mwayi wolandila ndalama pazachitetezo cha TCP, muyenera kuziwerenga mosamala.

Kuti muchite izi m'malo abwino kwambiri, muyenera kupempha pasadakhale template... Ngongole iliyonse yodzilemekeza sikanaletsa kasitomala izi.

CHOFUNIKA! Kulandila template yamgwirizano wamalipiro pasadakhale kumalola, ngati kuli kofunikira, kufunsa kuwunika kwamgwirizanowu ndi maloya akatswiri.

Izi zidzakuthandizani kupewa mavuto akulu mukamapereka ngongole. Kukonzekera koyambirira uku kukachitika, kudzatsala tsiku losainira panganolo kuti liunikenso ndikusayina.

Gawo 5. Kulandila ndalama

Obwereketsa amasankha pawokha momwe amaperekera ndalama zotetezedwa ndi PTS. Nthawi zambiri kubanki sungani ndalama pa khadi la pulasitiki... Itha kukhala khadi ya kasitomala kapena khadi lotsegulidwa mwapadera.

Njirayi ili ndi maubwino angapo:

kuthekera kolandila ndalama pachitetezo cha PTS usana ndi usiku, kuphatikiza ziwalo;
mkulu chitetezo;
kuthekera kolipira ndi ngongole yobwereka osakhala ndalama.

Ngongole yotetezedwa ndi PTS imaperekedwa mu bungwe lazachuma kapena malo ogulitsira, ndalama nthawi zambiri zimaperekedwa ndalama... Poterepa, ndikofunika kudziteteza momwe mungathere, chifukwa mudzachoka muofesi muli ndi ndalama zambiri m'manja mwanu.

Gawo 6. Ngongole

Popereka ndalama, wobwereketsayo amapatsa kasitomala mgwirizano pangongole. Ngongole ikabwezeredwa pang'ono, gawo lalikulu ndi ndondomeko yolipira... Chikalatachi chikuwonetsa nthawi komanso ndalama zolipira.

Akatswiri amalangiza perekani pasadakhale - osachepera masiku 1-2 tsiku lisanafike. Izi zimakuthandizani kuti mupewe kubweza ngongole pakakhala kuchedwa pakupereka ndalama.

Nthawi zambiri, obwereketsa amakono amakulolani kuti mubwezere ngongolezo koyambirira kapena pang'ono. Kachiwiri, nthawi yolipira idzasintha: nthawiyo ichepetsedwa kapena kuchuluka kudzachepa. Zikatere, ndikofunikira kufunsa wobwereketsa kuti asindikize ndandanda yatsopano yolipirira.

Ngongole ikangobwezeredwa, pasipoti yagalimoto imabwezedwa kwa wobwereka. Pambuyo pake kumbukirani kuchotsa encumbrance m'galimoto.

Kutsata molondola malangizo a tsatane-tsatane omwe akupezeka pamwambapa kumakuthandizani kuti muwonjezere kuthamanga kwa kulandira ndalama pachitetezo cha TCP. Kuphatikiza apo, zithandizira kupewa mavuto angapo mtsogolo.

Magawo akulu olandila ndalama zotetezedwa ndi galimoto

3. Momwe mungatengere mwachangu ndalama pachitetezo cha galimoto (galimoto) - magawo asanu otsatizana 📝

Nthawi zomwe wobwereka asankha kulandira mwachangu ndalama (ndalama kapenaosakhala ndalama) pachitetezo cha galimoto, pali zosiyana. Nthawi zambiri, ngongole yamtunduwu imagwiritsidwa ntchito ngati palibe nthawi komanso chikhumbo chofuna kutolera zikalata zambiri, palibe mwayi wotsimikizira ndalama ndipo ntchito.

Mulimonsemo, mutha kupeza ndalama mwanjira imeneyi. Kuti muchite izi, werengani mosamala zotsatirazi Magawo obwereketsa.

Gawo 1. Kusankha kampani yobwereketsa

Ndalama zotetezedwa ndi galimoto zimaperekedwa ndi makampani angongole amitundu iyi:

mabungwe amabanki;
malo ogulitsira;
mabizinesi azinsinsi.

Musanapange chisankho chokomera wobwereketsa m'modzi, muyenera kusanthula mosamala zonse zokhudzana ndi iye. Ndikofunikira kugwiritsa ntchito magwero ambiri momwe mungathere - Intaneti, atolankhani, ndemanga za anzawo ndi makasitomala amakampani... Chofunika kwambiri ndi mlingo wa mabungwe apadera.

Kwa iwo omwe ali ndi mbiri yoyera ya ngongole ndipo ali ndi mwayi wotsimikizira ntchito ndi solvency, akatswiri amalimbikitsa kulumikizana ndi banki.

Pali zabwino zambiri kubanki kuposa ena obwereketsa:

chiwerengero chachikulu cha mabungwe osiyanasiyana omwe ali ndi mapulogalamu osiyanasiyana;
mitengo yabwino kwambiri kubweza ngongole zotetezedwa ndi galimoto;
kudalilika kwakukulu, zochita pokhazikitsidwa ndi malamulo;
mtima wokhulupirika pamaso pazobweza zapamwamba.

Ngati pazifukwa zina muyenera kugwirizana ndi mabungwe ena azachuma, ndikofunikira kuti muwerenge mosamala zikalata zawo zolembetsa ndi ziphaso zawo. Izi zithandiza kupewa mgwirizano ndi achinyengo.

Gawo 2. Kukonzekera zikalata ndi kutumizira mapulogalamu

Muyenera kusonkhanitsa zikalata zofunika makamaka mukamalemba kumabungwe amabanki... Mukalandira ndalama pachitetezo cha galimoto m'mashopu ndipo kuchokera kwa obwereketsa achinsinsi Chilichonse ndichosavuta: ndikwanira kulumikizana ndi kampaniyo ndi zikalata, komanso zikalata zokhazikitsa lonjezo.

Pakadali pano, mutha kutumiza nthawi yomweyo ntchito yoyambirira... Komabe, akatswiri amalangiza kukonzekera zikalata pasadakhale. Izi zikuthandizani kuti mulandire ndalama mukangolandira chisankho choyambirira.

Mndandanda wamakalata ofunikira uyenera kufotokozedwa mgulu lililonse mosiyana:

Ndikofunikira kuti mufunikire umboni wa chiphaso chanu (pasipoti) ndi zikalata zosonyeza mutu wa galimotoyo.
Kuphatikiza apo, angafunike umboni wa ndalama ndi ntchito.

Pakukonzekera zikalata, ndikofunikira kuzindikira kuti ziyenera kukhala zofunikira panthawi yopereka. Ndikofunikira kufotokoza nthawi yofunikira kwa ziphaso zomwe zaperekedwa, komanso kufunikira kotsimikizira makope.

Njira yabwino kwambiri ndikufunsira pa intaneti patsamba la banki. Komabe, ziyenera kumveka kuti chisankhocho chidzakhala choyambirira. Ngati mungalumikizane ndi ofesiyo ndi phukusi, mutha kuyembekezera kuti mudzalandira ndalama pa bail patsiku logwiritsa ntchito.

Gawo 3. Kuwunika kwamagalimoto

Mukamapempha ngongole yopezeka pagalimoto, ndizovomerezeka kuwunika kwa chinthu cholonjezedwa... Nthawi zambiri, mndandanda wamakampani omwe mungatembenukire amakhala ochepa. Kuwunika pamikhalidwe yotere kuyenera kuchitika m'mabungwe omwe ovomerezeka ndi banki.

Obwereketsa ena amakulolani kuti musankhe owerengera nokha. Izi zimakhala zopindulitsa kwa wobwereka.

Ubwino wosankha owerengera nokha ndi awa:

wobwereka ali ndi ufulu wosankha wowunika, amene ntchito zake zimakhala zotsika mtengo;
wobweza ngongole ngati izi alibe mwayi wokopa zotsatira za mayeso.

Komabe, ndikofunikira kuganizira zofunikira kuipa Wodzisankhira yekha, wobwereka amatenga zoopsa zomwe zimadza chifukwa chotsimikizira zomwe akuchita.

Pakuwunika galimoto, izi zikuchitika motere:

kuyang'anitsitsa zithunzi, komanso kujambula zithunzi momwe galimoto ilili ngati chikole;
kuyerekezera galimoto ndi zomwezi zimaperekedwa pamsika, kudziwa mtengo wapakati wamagalimoto omwe agulitsidwa;
malingaliro a akatswiri ndi kuwerengera kwa mtengo woyerekeza.

Nthawi zambiri, wowerengera amafunika kukonzekera lipoti 2-3 tsiku. Komabe, mutha kugwiritsa ntchito ntchitozi kufufuza mwachangu... Koma ndikofunikira kulingalira: pankhaniyi, mtengo wake ukhala wokwera будет.

Gawo 4. Kutsiriza kwa mgwirizano wa ngongole

Ngati pangakhale chisankho choyenera kupereka ndalama zotetezedwa ndi galimoto, wobwereka ndi wobwereketsa amasaina mapangano angapo:

ngongole;
pangano lonjezo;
posungira galimoto moyenera, ngati kuli kofunikira.

Pachikhalidwe, mgwirizano wamabanki umapangidwa molingana ndi template, wobwereketsa amangolemba tsatanetsatane wa wobwereka. Njira iyi imalola kasitomala mopangiratu dzidziwitseni ndi mawonekedwe wamba ndikupeza mawu osamvetsetseka a mgwirizano. Musanalembe siginecha yanu pa zikalatazo, ziyenera kuphunziridwa mosamala.

Ndikofunikira kulabadira mfundo zotsatirazi za mgwirizano:

ndalama zonse zomwe ngongole idaperekedwa;
kuchuluka ndi zofunikira pakuwerengera chindapusa;
kuletsa kugwiritsa ntchito galimoto;
ndondomeko yogulitsa mokakamizidwa kwa chikole.

Gawo 5. Kulandila ndalama ndikubweza ngongole

Atasainirana mapangano, wobwereketsayo amapatsa wobwerekayo ndalama. Mabanki nthawi zambiri amasamutsa ndalama pa khadi la pulasitiki... Mitundu ina ya obwereketsa itha kupereka ndalama ndalama.

Pamodzi ndi mgwirizano, wobwereka amalandila ndondomeko yobwezera... Ikuwonetsa masiku ndi kuchuluka kwa zolipira. Ndikofunikira kutsatira ndandanda ndendende kupewa kupezeka kwa chindapusa ndi zilango.

Mukatsatira dongosolo lomwe laperekedwa pamwambapa, mudzatha kupeza ndalama zotetezedwa ndi galimoto mwachangu. Kuphatikiza apo, zithandizira kupewa mavuto angapo.

Komwe ndi momwe mungapezere ndalama zotetezedwa ndi kugulitsa nyumba ndi malo - kalozera ka gawo

4. Ndalama zotetezedwa ndi malo ndi nyumba - ndani angapereke ndi momwe angatengere kutenga 📋

Sikuti aliyense amadziwa kuti kugulitsa katundu kumangoperekedwa ngati chikole Osati kokha kubweza ngongole. Njirayi imakupatsani mwayi wopeza ndalama mwachangu ndikukhalabe eni nyumba kapena nyumba. Pansipa pali zovuta zazikulu zopezera ngongole zotetezedwa ndi malo ndi nyumba.

4.1. Yemwe amabwereketsa ndalama zotetezedwa ndi malo ndi nyumba

Masiku ano, ngongole zotetezedwa ndi malo ndi nyumba zimaperekedwa ndi mabungwe osiyanasiyana. Kulandira ngongole mwa aliyense wa iwo kuli ndi yake ubwino ndipo zofooka... Kuti zikhale zosavuta kuyerekeza mitundu ya obwereketsa, mawonekedwe awo akulu amaperekedwa patebulo pansipa.

Gome: "Zabwino ndi zoyipa zopezera ndalama zotetezedwa ndi malo ndi nyumba m'makampani osiyanasiyana"

Mtundu wobwereketsa	Ubwino	zovuta
Mabanki	Mitengoyi ndiyotsika poyerekeza ndi yamakampani ena Mkulu kudalirika Zinthu zosasinthika zolandila ndalama	Mndandanda wautali wazolemba Kutha kochepa kovomerezeka kwa ntchito Njira zolembetsera zimayendetsedwa mosamalitsa
Bungwe laling'ono lazachuma	Kuthamanga kwambiri kwa kulembetsa Phukusi locheperako zikalata zofunika	Mulingo wowopsa Pamtengo wapamwamba Zinthu zowongoka pakuwerengera chindapusa
Ogulitsa payekha	Mawu osinthika Kutha kusintha magawo a ngongole malinga ndi zosowa za wobwereka Zolemba zochepa zofunika Kuthamanga kwambiri kwa risiti	Zowopsa zazikulu Mitengo yayikulu

Zachidziwikire, aliyense ali ndi ufulu wosankha mwaulere mtundu wa obwereketsa. koma osayiwalakuti ndi njira yolandirira ndalama, malo ndi nyumba za wobwereka zimakhala chitsimikizo chobwezeredwa. Kuti musataye, ndikofunikira kusanthula mosamala momwe mungakwaniritsire ndalama, kuti muphunzire kudalirika kwa wobwereketsa.

4.2. Pachitetezo cha malo ndi nyumba ndizotheka kupeza ndalama

Kuti mupeze ndalama pangongole yotetezedwa ndi malo ndi nyumba zinali zenizeni, ndikofunikira kudziwa zinthu zomwe zimalandiridwa ngati chikole.

Njira yosavuta yoperekera ndalama ndi kukhalapo kwa mitundu yotsatirayi yazinthu zogulitsa nyumba:

nyumba;
zipinda zogona;
nyumba za anthu;
amagawana m'nyumba kapena m'nyumba;
nthaka;
malo ogulitsa.

Ndikofunikira kumvetsetsa kuti zofunika kwambiri zimayikidwa pa nyumba zilizonse.

Kuti mukhale chikole, nyumba zogulitsa ziyenera kukhala:

madzi, ndiye kuti, pakufuna pamsika;
zosafunikira;
osagwetsedwa;
kukhala ndi kulumikizana kofunikira;
chinthucho sichiyenera kukhala chipilala cha zomangamanga kapena chikhalidwe;
osasungidwa, kumangidwa, malonjezano sayenera kukakamizidwa kugulitsa nyumba;
Kutengapo gawo pakuyimba milandu;
kukhala wa wobwereka.

Zina, zofunikira kwambiri nthawi zambiri zimakhazikitsidwa.

Mwachitsanzo, obwereketsa ena samakongoza ndalama zotetezedwa ndi malo ndi nyumba zomwe ndizakale kuposa zomwe zidakonzedweratu.

Kuphatikiza apo, ndizosatheka kutenga ngongole yotetezedwa ndi malo ndi nyumba, momwe ana amalembetsa kapena ndi omwe ali ndi magawo.

4.3. Momwe mungatengere ndalama zotetezedwa ndi malo ndi nyumba - masitepe 5 osavuta

Kuti mupeze ndalama zotetezedwa ndi malo ndi nyumba, ndikofunikira kudziwa njira zomwe muyenera kuchitira izi. M'munsimu mwatsatanetsatane malangizo.

Gawo 1. Kusankha ngongole

Mutha kupeza ndalama mwa kulonjeza kugulitsa nyumba osati kokha kubankikomanso mwa ena mabungwe azachuma, ndi kuchokera kwa anthu pawokha.

Nthawi yomweyo, mabanki amapereka zowonjezera zambiri, komanso zowonekera poyera. Kuphatikiza apo, nthawi zonse amagwira ntchito motsatira malamulo. Komabe, pamakhala zochitika zina pomwe ndizosatheka kulumikizana ndi banki.

Mosasamala kanthu kuti ndi bungwe liti lomwe mungasankhe kulumikizana nalo, pakusankha muyenera kuganizira osati kokha chiwongola dzanjakomanso zina zomwe ngongole zimaperekedwa.

Choyamba, muyenera kuphunzira magawo otsatirawa:

kupezeka kwa chofunikira pa inshuwaransi mokakamizidwa;
ngongole;
Kupezeka kwa ma komisheni ena;
zopeza, komanso kuchuluka kwa chindapusa;
kuthekera kolipira ngongole pang'ono komanso koyambirira.

Ndikofunikira kuti musangophunzira za ngongole yokha. Mukamasankha kampani, muyeneranso kuyisamalira mbiri, nyengo yantchito pamsika, ndi mlingo... Kuphatikiza apo, sikungakhale kopepuka kumvera ndemanga za makasitomalaomwe agwiritsa kale ntchito za wobwereketsa.

Ngati muli ndi nthawi yopuma, ndibwino kuti mupite kuofesi ya wobwereketsayo... Apa simungangolankhula ndi katswiri, komanso pemphani fomu yamgwirizano wabwinja pasadakhale. Mabanki omwe amadzilemekeza nthawi zonse amalola makasitomala kuti adziwitse pasadakhale chikalatachi.

Gawo 2. Kutumiza ntchito

Wobwereketsa akangosankhidwa, amakhalabe akugwira ntchito. Izi zitha kuchitika mwanjira zingapo:

kuyendera nthambi yantchito yobwereketsa;
poyimbira foni;
kudzera mwa wogulitsa ngongole;
pa intaneti patsamba la banki.

Chisankho pa pempholi chidzakhala choyambirira. Ngati avomerezedwa, wobwereketsayo akuitanidwa ndi wantchito wobwereketsa. Adzasungitsa nthawi yokumana, kukuwuzani kuti ndi liti, ndi zikalata ziti komanso komwe mupite.

Gawo 3. Kukonzekera phukusi la zikalata

Wobwereketsa aliyense amapanga mndandanda wazolemba zake. Komabe, mutha kulemba mndandanda womwe umafala kwa aliyense.

Kuti mulandire ndalama zotetezedwa ndi malo, muyenera kukonzekera magulu awiri azolemba:

mwachindunji kwa wobwereka;
pamutu wachitetezo.

Mndandanda wazolemba za wobwereka nthawi zambiri umaphatikizapo:

mawu;
chiphaso (nthawi zambiri - pasipoti);
buku la ntchito;
satifiketi ya malipiro.

Katunduyo akuyenera kupereka:

satifiketi yaukadaulo;
zikalata zaulemu (mapangano a zopereka, kugula ndi kugulitsa, kusinthanitsa ndi ena);
tengani m'kaundula wa boma wogwirizana wa malo ndi nyumba;
kuvomereza kugulitsa kwa okwatirana;
zikalata zochokera ku ofesi yanyumba;
lipoti la kampani yoyeserera.

Ngati mukufuna kupeza ndalama wotetezedwa ndi nyumba yabanja Kuphatikiza apo, muyenera kutumiza zikalata zonse pazoyenera malo.

Pokonzekera zikalata, ndikofunikira kulingalira nthawi yakufunika kwawo. Ngati ndizochepa, musathamangire kuzitenga.

Gawo 4. Kusayina contract

Pambuyo popereka zikalata zonse, ogwira ntchito kubungwe la ngongole amawayang'ana. Chisankho chimapangidwa kutengera zotsatira zake. Ngati zingatero zabwino, zidachitidwa kusaina ndi maphwando amgwirizano wa ngongole.

Zofunika! Musanasaine mgwirizano, ndikofunikira kuti muwerenge kuyambira koyambirira mpaka kumapeto.

Mukamaphunzira mgwirizano, muyenera kumvetsetsa izi:

kuchuluka kwa chindapusa ndi kuchuluka kwa chindapusa;
kuthekera kolipira ngongole zathunthu mosakondera;
pamene mgwirizano uthetsedwa, chikole chimagulitsidwa;
ndalama zonse za ngongole (kuchuluka kwa wamkulu, chiwongola dzanja ndi mabungwe)

Ngati muli ndi mafunso mukamawerenga mgwirizanowu, muyenera kufunsa wogwira ntchito kubanki. Ndikofunika kuyika siginecha pokhapokha zonse zikawonekeratu.

Gawo 5. Kulandila ndalama ndikubweza ngongole

Njira yomaliza yopezera ngongole yotetezedwa ndi malo ndi kulandira ndalama. Mukamalumikizana ndi banki, nthawi zambiri amasamutsidwa ku khadi la kubanki... Izi zimakuthandizani kuti mugwiritse ntchito ndalamazo mwakufuna kwanu - tengani ndalama zonse nthawi imodzi kapena muzilandire pang'ono.

Komabe, kulandira ndalama sikuthetsa ubale womwe wabwereka ndi wobwereketsayo. Tsopano kukwaniritsidwa kwa udindo pansi pa mgwirizano kumayamba. Izi zikuyenera kuchitidwa molingana ndi zomwe zalandilidwa ndondomeko yolipira.

Ndikofunikira kutsatira ndendende nthawi ndi kuchuluka kwa zolipira. Ngati, pazifukwa zina, akukana kulipira, wobwereketsa ali ndi ufulu kugulitsa zomwe walonjezazo ndi kubwezera zomwe zawonongeka ndi ndalama zomwe adalandira.

Kutsata molondola malangizo aliwonse pamwambapa kungakulitse kwambiri significantly liwiro lolandila ndalama zotetezedwa ndi malo ndi nyumba. Komanso, zimathandiza kupewa zolakwa wamba.

Malangizo pamadongosolo 5 osavuta amomwe mungapezere ndalama zotetezedwa ndi nyumba

5. Momwe mungatengere ndalama pachitetezo cha nyumba - malangizo mwatsatanetsatane instructions

Nthawi yomwe ndalama zimafunikira mwachangu, kulandira ndalama pa chitetezo cha nyumba Kungakhale njira yabwino kwambiri. Kuti panthawi yobwereketsa pasakhale mavuto, ndipo njirayi imapita mwachangu, tikukulimbikitsani kuti mutsatire malangizo omwe ali pansipa.

Gawo 1. Kusankha wobwereketsa ndikulemba fomu

Ngakhale munthawi izi pomwe ndalama zimafunika mwachangu kwambiri, kusankha wobwereketsa kuyenera kuyankhidwa mosamala momwe angathere. Frivolity itha kubweretsa wobwereka mtsogolo molunjika kwa nkhanza.

Ndikofunika kumvetsetsa kuti pobwereketsa kubanki, mwayi wachinyengo ndiwotsika ↓. Chifukwa chake, ngati zingatheke, ndikofunikira kupeza ndalama zachitetezo cha nyumba pomwe pano.

Mukamayerekezera mabanki, muyenera kusamala ndi ngongole zotsatirazi:

kukula;
mlingo;
nthawi;
kutsatira zofuna za wobwereka yekha, komanso chikole.

Kuphatikiza apo, posankha wobwereketsa, muyenera kufanananso mavoti Ofuna kusankha. Ngati muli ndi nthawi, mutha kukaona maofesi, kufunsa ogwira nawo ntchito. Sizingakhale zopepuka kuphunzira ndemanga za bungwe la ngongole la makasitomala omwe alipo.

Pamapeto pa kusanthula, kampani ya ngongole imasankhidwa. Pambuyo pake, mutha kuyamba kusefa ntchito... Lero, pachifukwa ichi, sikofunikira kupita kuofesi ya ngongole.

Ntchito itha kutumizidwa pa intaneti patsamba la kampani, ndi patelefoni... Ngati, potengera zotsatira zakugwiritsa ntchito, wobwereketsayo apange chisankho chabwino, katswiriyu alumikizana ndi wobwereka mtsogolo ndikukuwuzani zomwe akutsatira.

Gawo 2. Kutumiza zikalata

Musanavomereze kulandira ndalama zotetezedwa ndi nyumba, ndikofunikira kuti muphunzire mosamala pulogalamu yobwereketsa. Pankhaniyi, m'pofunika kumvetsera mwatcheru ufulu ndi udindo wa maphwando.

Pamawu osadziwika bwino, ndibwino kufunsa mafunso ena. asanasaine mgwirizano... Pambuyo pake, mikangano iliyonse iyenera kuthetsedwa kukhothi.

Pakadali pano, muyenera kugonjera wobwereketsa phukusi la zikalata... Kampani iliyonse imalemba mndandanda wawo pawokha. Komabe, pali mfundo zingapo zodziwika bwino.

Mufunika magulu awiri amapepala:

mwachindunji kwa wobwereka;
pa nkhani ya chikole.

Mwa zikalata za kasitomala muyenera:

chiphaso;
satifiketi ya malipiro;
chitsimikiziro cha ntchito mwa mtundu wa buku la ntchito.

Zina mwazolemba zanyumba ndizofunikira:

satifiketi ya umwini;
satifiketi yaukadaulo;
satifiketi yochokera kuofesi yanyumba;
pakakhala banja lolembetsa, chilolezo cha wokwatirana naye.

Gawo 3.Kuunika kwa nyumba

Njira yovomerezeka yopezera ndalama pa ngongole zotetezedwa ndi nyumba ndi kuwunika kwa chinthu cholonjezedwa... Nthawi zambiri, pazifukwa izi, mumayenera kulumikizana ndi makampani omwe avomerezedwa ndi banki.

Zina mwazabwino (+) zogwiritsa ntchito makampani ovomerezeka ndi izi:

Kusunga nthawi yayikulu - wobwereketsa amalandila malipoti pakuwunika kwa mabungwe amenewo nthawi yoyamba;
mkulu kudalirika - Zolemba zonse zotsimikizira kuchuluka kwa ukatswiri ndiulamuliro wa kampani yoyeserera zatsimikiziridwa kale pantchito yovomereza.

Obwereketsa ena amalola obwereka kuti azisankha okha omwe angawafune.

Pankhani yosankha wodziyimira payokha, maubwino angapo amathanso kusiyanitsidwa:

mutha kusankha kampani yomwe mtengo wake wogulira udzakhala wocheperako;
Wobwereketsa sangakhudze zotsatira za kuwunika.

Zikalata zonse zikakonzedwa, muyenera kuyitanitsa wopimphayo kunyumba. Katswiri adzajambula chinthucho, komanso amatola zina zofunikira.

Mukamaliza zofunikira, muyenera kuyembekezera zotsatira za kuwunika pafupifupi masiku 5... Ndikothekanso kuyitanitsa kuti lipoti liperekedwe mwachangu. Komabe, mtengo pakadali pano udzakhala wokwera. Ndikofunika kumvetsetsa kuti ndalama zowunikira zimaperekedwa ndi wobwereka.

Gawo 4. Kupanga inshuwaransi

Inshuwaransi, komanso kuwunika, ndizofunikira pakulandila ndalama zotetezedwa ndi nyumba. Mtengo wa ntchito yotere umalipiridwanso ndi wobwereka mthumba. Nthawi zina, amaloledwa kuphatikizira kuchuluka kwa ngongole yomwe adalandira.

Magawo otsatirawa amakhudza kuchuluka kwa zolipirira inshuwaransi:

mtundu wa katundu wokhala ndi inshuwaransi;
nthawi yamalamulo;
kampani yomwe imasankhidwa kukhala inshuwaransi;
chikhalidwe, komanso mawonekedwe ena a chinthucho.

Gawo 5. Kusayina contract ndikulandila ndalama

Njira zonse zakukonzekera zikadaperekedwa, zimangotsala pang'ono kusaina mgwirizano ndikupeza ndalama. Mukapempha ngongole yotetezedwa ndi nyumba, maphwandowo amatha nthawi yomweyo 2 mgwirizano: ngongole ndipo lonjezo... Musanasaine, muyenera kuphunzira mgwirizano uliwonse kuyambira koyambirira mpaka kumapeto.

Sikuti aliyense amadziwa, koma Chikole sichingaperekedwe kokha ndi wobwereka... Munthu aliyense ali ndi ufulu kusamutsa nyumba yake ngati chitetezo chololeza ndalama ndi munthu wina.

Ndikosavuta kubwereka ndalama ngati muli ndi nyumba. Mukatsatira malangizo omwe aperekedwa ndendende, mutha kupeza ngongole mwachangu komanso popanda vuto lililonse.

6. Mungapeze kuti ndalama pa belo - mabungwe 5 abwino kwambiri credit

Phindu la ngongole yotetezedwa makamaka limatsimikiziridwa ndi kampani yosankhira ngongole. Nthawi yomweyo, sikuti aliyense ali ndi mwayi wophunzira zochulukirapo pamsika wazachuma, zifanizireni ndikusankha zabwino kwambiri. Tiyeneranso kukumbukira kuti obwereketsa ena amatenga ngongole zazikulu osafuna chikole.

Zikakhala chonchi, mavotedwe opangidwa ndi akatswiri amathandizira. M'munsimu muli 5 mabanki otchuka, zikhalidwe zolandirira ndalama pa bail zomwe zidakhala zabwino kwambiri.

1) VTB Bank yaku Moscow

VTB Bank of Moscow limakupatsani kubwereka ndalama pamlingo kuchokera 14,5% pachaka... Nthawi yomweyo, omwe angabwereke amathandizidwa mokhulupirika pano.

Kubwereketsa kwamakasitomala wamba kumakupatsani mwayi wopeza kale 3 000 000 Ma ruble... Iyi ikhoza kukhala njira yabwino kwambiri kubweza ngongole zotetezedwa. Nthawi yobweretsera pulogalamuyi imafika 5 zaka.

VTB Bank of Moscow yakhazikitsa njira zambiri zapadera, zomwe aliyense angapeze zomwe zimamuyenerera. Kuchotsera kwina kumaperekedwa kwa makasitomala omwe amalandila malipiro pamakadi aku banki, opuma pantchito, ndi ogwira ntchito zaboma.

2) Alfa-Bank

Maganizo apamwamba amakasitomala amaloledwa Alfa-Bank kutchuka kwambiri. Chofunika kwambiri chili pano makhadi a ngongole, ndi ngongole za ogula.

Zotsirizazi zimakulolani kutenga kale 3 000 000 Ma ruble... Poterepa, chikole sichofunikira, ndikwanira kuti mutsimikizire ndalama. Mtengo wa ngongole zoterezi wakhazikitsidwa 11,99% pachaka.

Ma kirediti kadi akuchulukirachulukira makamaka chifukwa chakuchulukanso, komanso nthawi yachisomo.

Mutha kupeza kirediti kadi ku Alfa-Bank potsatira izi:

malire malire kukula mkati 1 000 000 ma ruble;
nthawi yachisomo mpaka 100 masiku (amagwiritsidwa ntchito pazolipira zonse zomwe simulipira ndalama ndi kubweza ndalama);
mtengo wokonzanso pachaka - 490 ma ruble;
kuchotsa ndalama popanda ma komiti;
kupezeka kwa mapulogalamu a bonasi ndi kuchotsera kuchokera kwa anzanu.

3) Sovcombank

Sovcombank Amakonda kugwira ntchito ndi anthu azaka zapakati komanso achikulire. Mbali yapadera yazogulitsa ngongole ndi mwayi wolandila ndalama ndi nzika mpaka zaka 85.

Pazachitetezo cha malo ndi nyumba, nkhani za Sovcombank ngongole zosayenera... Kukula kwawo kwakukulu kumatha kufikira 30 000 000 Ma ruble... Poterepa, kutsimikizira ndalama sikofunikira.

4) Tinkoff Bank

Tinkoff ndiye banki yokhayo ku Russia yomwe imagwira ntchito kutali. Kampaniyi ilibe maofesi, ndipo ntchito iliyonse imatha kuchitika kudzera pa intaneti kapena pafoni.

Zopereka za ngongole ndizosiyana kwambiri pano. Makasitomala amapatsidwa mwayi wopeza ngongole yanyumba, ngongole yanyumba, ndi kirediti kadi.

Odziwika kwambiri ndendende makhadi a ngongole... Ndi abwino kwa iwo omwe amafunikira ndalama zochepa mwachangu kale 300 000 Ma ruble.

Mutha kupeza khadi lotere mwachangu kwambiri, osapereka dipositi komanso osatsimikizira ndalama. Poterepa, simufunikanso kutuluka m'nyumba. Chosangalatsa kuwonjezera pa pulogalamuyi ndi kukhalapo nthawi yachisomo kutalika 55 masiku.

5) Renaissance Mawu

Mbiri Yachikulire Tiyenera kusamala posankha pulogalamu yolandila ndalama chifukwa chakupezeka kosavuta komanso kopindulitsa makhadi a ngongole... Zimapangidwa ndikuthandizidwa pano kwaulere. Poterepa, malire ake ndi 200 000 Ma ruble.

Kuti mupeze kirediti kadi, ndikokwanira kutumiza fomu yofunsira patsamba la banki. Ngati avomerezedwa, khadiyo iperekedwa tsiku lomwelo kunthambi yapafupi.

Pofuna kuyerekezera, ndalama zomwe amaganiza kuti ndi ngongole zachidule zimafotokozedwa mwachidule patebulopo.

Tebulo "Mabungwe 5 angongole omwe ali ndi zifukwa zabwino zopezera ngongole":

Kuyendetsa ngongole	Kukula kwa ngongole	Ngongole	Voterani
1) VTB Bank of Moscow	Kuchokera ku ruble 300,000 mpaka 3 miliyoni	Mpaka zaka zitatu	16.0% pachaka
2) Alfa Bank	Kuchokera ma ruble zikwi 60 mpaka 10 miliyoni (kuchuluka kwakukulu kwa 60%)	Zaka 25	Kuchokera ku 12.0% pachaka
3) Sovcombank	Kuchokera ku 200 zikwi mpaka 30 miliyoni za ruble	Zaka 5-10	18.9% pachaka
4) *Banki ya Tinkoff*	300,000 - 15,000,000 ma ruble	Zaka 15	Kuchokera ku 12.0% pachaka
5) Mbiri Yachikulire	300 zikwi - 3 miliyoni	Zaka 5-10	Kuchokera ku 16.0% pachaka

Tikukulangizaninso kuti muwerenge nkhani yathu komwe mungapeze ndalama ngati mabanki onse ndi ma microloan akana.

7. Momwe simukuyenera kuchitira zachinyengo osataya chikole - Malangizo atatu ofunikira 💎

Monga lamulo, muzovuta pamoyo anthu amaiwala kukhala tcheru... Amagwiritsa ntchito mwayi uliwonse kuti apeze ndalama zotetezedwa ndi malo ndi nyumba ndipo ali okonzeka kuvomera pafupifupi chilichonse chomwe angapereke.

Zikatere, nzika nthawi zambiri zimazunzidwa ndi anthu achinyengo. Pakadali pano, ndikwanira kutsatira Malangizo 3 osavuta popewa kukumana ndi zovuta.

Langizo 1. Tengani ndalama kwa obwereketsa odalirika

Pa intaneti lero mutha kupeza malingaliro angapo olandila ndalama za bail. Tsoka ilo, ena mwa iwo amapangidwa ndi zibodza.

Pofuna kupewa mavuto akulu, ndikofunikira kupeza ngongole kokha Obwereketsa odziwika omwe ali ndi mbiri yoonekera bwino. Komabe, ziyenera kukumbukiridwa kuti nthawi zambiri amakhala ovuta kwambiri pofufuza obwereketsa.

Pali zabwino zambiri zakugwirizana ndi mabungwe awa:

zowonekera pobwereketsa;
mitengo yabwino;
mgwirizano wokha malinga ndi malamulo apano.

Posankha wobwereketsa, zofunika kukumbukira: makampani akulu satenga zolipiriratu pantchito zawo... Nthawi zambiri, zopempha zotere zimangopangidwa ndi achinyengo okha.

Langizo 2. Gwiritsani ntchito ntchito za maloya

Ngakhale munthawi izi pomwe ndalama zimafunika mwachangu, simuyenera kusaina pangano osayang'ana. Makamaka mozama pakumaliza kwamgwirizano kuyenera kutengedwa ngati ngongole ibwezedwa ndi katundu.

Ndikoyenera kulingalira! Ngati mulibe chidziwitso chokwanira kapena nthawi yoti muphunzire payekha, muyenera kupita kwa akatswiri kuti akuthandizeni.

Lero, ntchito za maloya zitha kugwiritsidwa ntchito osachoka kwanu kapena kuofesi. Kuti muchite izi, ingopita malo apadera... Kukambirana ndi akatswiri kumathandiza kupewa zolakwa zingapo zazikulu, komanso kuchepetsa mwayi womaliza mgwirizano ndi achinyengo.

Langizo 3. Lumikizanani ndi wogulitsa ngongole

Kusankha wobwereketsa wabwino kumakhala kovuta. Nthawi zambiri sipakhala chidziwitso chofunikira komanso nthawi ya izi. Zikatero, akatswiri amalimbikitsa kufunafuna thandizo kwa akatswiri, mwachitsanzo osinthitsa ngongole... Ndiwoyimira pakati pa mabungwe obwereketsa ngongole ndi obwereketsa.

Ogulitsa ngongole nthawi zambiri amapereka izi:

kusankha banki yoyenera, komanso pulogalamu yobwereketsa;
thandizo pokonzekera zikalata;
kudzaza zolemba ndikuwatumiza ku banki imodzi kapena zingapo;
kulandila kuvomerezeka kwa pempholi, kumaliza kumaliza ntchito mpaka kulandila ndalama.

Mwachilengedwe, ntchito za omwe amapereka ngongole sizikhala zaulere. Ayenera kulipira ntchito, zomwe zitha kuwerengedwa ngati kuchuluka kokhazikika komanso kuchuluka kwa ngongole.

Mukamalumikizana ndi abizinesi, muyenera kukhala osamala momwe mungathere. Nthawi zambiri achinyengo amapezeka pakati pawo. Makampani otere nthawi zambiri amapereka chithandizo chopezeka zikalata (satifiketi ya ndalama, buku la ntchito).

Anthu achinyengo nthawi zambiri amalipira ndalama zambiri chifukwa cha zochita zoterezi. Komabe, iwo musadziwitse makasitomala za milandu yomwe angapeze chifukwa chabodza.

Mukayang'ana satifiketi ngati izi, achitetezo aku banki adzawerengetsadi zachinyengo. Pankhaniyi, mutha Osati kokha amalembedwa pamabanki onse, komanso amapeza mavuto akulu ndi lamuloli.

Kuti muwonetsetse kuti broker siwabodza, ndikofunikira kudziwa zikhalidwe zingapo zomwe zimapezeka m'makampani owona mtima:

kusowa kwa malingaliro pogwiritsa ntchito njira zosavomerezeka zopezera ngongole;
kutenga nawo mbali m'mabungwe akatswiri;
kupezeka kwa udindo wovomerezeka, ofesi yokhala ndi zida, foni yamzinda.

Kutsata molondola malangizo omwe ali pamwambawa kudzakuthandizani kupewa mavuto mukamafunsira, komanso kupereka ngongole.

8. FAQ - Mafunso Ofunsidwa Kawirikawiri 📋

Mukamaphunzira mutu wopeza ndalama zotetezedwa ndi katundu, mafunso ambiri amabwera. Kuti tisunge nthawi yanu, pachikhalidwe timapereka mayankho kwa otchuka kwambiri kumapeto kwa bukuli.

Funso 1. Kodi ndingapeze ndalama zotetezedwa ndi galimoto yangongole?

Pofunafuna njira zopezera ndalama pa ngongole, ambiri amasankha kubweza katundu wawo.

Komabe, sikuti aliyense amadziwa kuti pali mwayi wopeza ngongole yotetezedwa ndi galimoto yomwe idalonjezedwa kale... Izi ndizovuta kuchita, koma ndizotheka. Kuti muchite izi, mutha kulumikizana ndi banki kapena malo ogulitsira magalimoto.

Kulandira ndalama motsutsana ndi chitetezo cha galimoto yolonjezedwa akatswiri amalangiza Lumikizanani ndi banki yomwe ngongole yagalimoto idaperekedwa.

Pali zinthu zingapo pakupeza ngongole kubanki:

kanthawi kochepa, nthawi zambiri sikadutsa 3 miyezi;
ndalama zidzangoperekedwa kwa wobwereka wodalirika, yemwe wobwerekayo amamudalira kwathunthu;
ngongole zambiri zazikulu panthawi yolemba ntchitoyo ziyenera kubwezedwa;
chidwi pantchito zotere nthawi zambiri chimakhala chokwera kwambiri ndipo chimakhala pafupifupi cha pafupifupi 3% mwezi uliwonse.

Si mabanki onse omwe amapereka ntchito zoterezi, motero nzika zambiri zimasankha kulumikizana nawo malo ogulitsira magalimoto.

Mwayi Amakampani otere ndi omwe amatha kubwereka ndalama popereka zikalata zochepa. Nthawi zambiri, ndikokwanira kukhala ndi pasipoti ya nzika nanu, komanso galimoto.

Mukalandira ndalama kudzera m'sitolo yogulitsa zinthu zakale, mukuyenera kuti muyese galimoto yomwe yaperekedwa ngati chikole:

mwachindunji ndi katswiri wogulitsa zamagalimoto;
wogwira ntchito pamalo aliwonse othandizira.

Mukamaliza kuyesa, mwiniwake wamagalimoto amatha kulandira ndalama kwakanthawi kuchokera 3 kale 12 miyezi... Poterepa, galimoto yolonjezedwa imasindikizidwa ndikutengedwa kuti ikasungidwe pamalo ena oikapo magalimoto.

Pansi pa ngongole zoterezi mlingo nthawi zambiri zimasiyanasiyana mkati kuchokera ku 0.2 mpaka 2% pamwezi... Poterepa, ndalama zowonjezera zidzakhala chindapusa ndipo inshuwaransi yamagalimoto.

Ngati kumapeto kwa mgwirizano kasitomala sabweza ngongole yonse ku malo ogulitsira, adzagulitsa galimotoyo.

Funso 2. Kodi maubwino olandila ndalama zotetezedwa ndi malo ndi ziti kuchokera kwa munthu wachinsinsi?

Pali zabwino zingapo zomwe zimapezeka pakupeza ndalama kuchokera kwa anthu omwe atetezedwa ndi malo ndi nyumba:

Palibe chifukwa cholemba zolemba zakusungunuka, komanso chifukwa chantchito chimakupatsani mwayi wopeza ndalama mwachangu, kuphatikiza omwe akugwira ntchito zosadziwika.
Nthawi zambiri, mabizinesi azinsinsi samaika zofunikira pakuwunika ndi inshuwaransi yanyumba yanyumba. Zotsatira zake, mtengo wogulitsa ngongole umachepetsedwa.
Zofunikira pakulandila ndalama zimagwirizanitsidwa payekhapayekha. Mosiyana ndi izi, mabungwe obwereketsa ndalama akupanga njira zofananira zoperekera ngongole, zomwe sizinasinthidwe.
Zofunikira popereka ndalama ndizopindulitsa kwambirikuposa ma MFOs ndi malo ogulitsira magalimoto.

Funso 3. Kodi mungatenge bwanji ndalama kuchitetezo cha nyumba yomwe ili ndi malo (nthaka)?

Kuti mupeze ndalama mosavuta popatsa nyumba yokhala ndi malo ngati chikole, ndikofunikira kudziwa zofunikira zomwe obwereketsa akupanga pazogulitsa nyumba. Zolemba zawo ndizosiyanasiyana ndipo zimadziwika ndi kampani iliyonse palokha. Komabe, wina amatha kusiyanitsa zikhalidwe zingapo zomwe mwamangongole onse amamvera.

Mkhalidwe 1. Mkhalidwe wa malowo

Obwereketsa amayang'anitsitsa momwe katunduyo akuvomerezera ngati chikole.

Ngongole idzakanidwa ngati nyumba ili ndi malo:

zadzidzidzi;
yomangidwa kale 1975 za chaka;
kulibe kulumikizana mnyumba;
kukhazikitsidwa kwa zochitikazo sikunalembedwe.

Kuphatikiza apo, mabanki nthawi zambiri samalandira nyumba zamatabwa ngati chikole. Izi ndichifukwa choti kuwatsimikizira kumakhala kovuta kwambiri.

Ndikofunika kumvetsetsa kuti nyumba zokhazokha ndizomwe zimalandiridwa ngati chikole, nthaka yomwe ili yobwereka wokhala ndi umwini wake. Izi ziyenera kulembedwa.

Chikhalidwe china chofunikira ndichokwera ↑ msinkhu wamagulu... Zimakhala zovuta kupeza ndalama pachuma cha nyumba yosankhika monganso ndi chitetezo cha nyumba yosalimba. Izi ndichifukwa chakuchepa kofunikira kwa zinthu ngati izi.

Mkhalidwe 2. Palibe choletsa kugulitsa katundu

Zovuta pakupeza ndalama potetezera nyumba zitha kuchitika ngati pali zoletsa mu fomuyo zododometsa... Amatha kuchitika mwakufuna kwawo kapena mokakamizidwa chifukwa chalamulo kapena mapangano.

Mitundu yodziwika bwino yazobisalira ndi:

kudalira trust;
Kulanda katundu;
kubweza ngongole;
renti ndi lendi.

Mkhalidwe 3. Malo

Mabanki amasamala kwambiri za malo omwe ali ovomerezeka ngati chikole.

Pofufuza izi, izi zimaganiziridwa:

kutchuka kwanuko;
kupezeka, komanso mtundu wa misewu yodutsamo;
malo okhudzana ndi malo ofunikira kwambiri;
Palibe choletsa kupezeka mchaka chonse;
kuthekera kokhala ndi moyo mosasamala nyengo.

Mkhalidwe 4. Umwini

Nyumbayo ikhoza kulonjezedwa kokha eni ake. Njira yosavuta yopezera ndalama ndi ngati nyumba ili yake yokha ndi wobwereka. Ngati pali eni ena, muyenera kupereka chilolezo kuchokera kwa aliyense wa iwo.

Zindikirani! Mabanki ambiri amakana kupereka ndalama pazachitetezo cha nyumba zomwe adalembetsedwamo, komanso eni ake aang'ono.

Mwa njira, wobwereka amatha kupereka nyumba ya anthu ena (mwachitsanzo, abale) ngati chitetezo. Mwachilengedwe, izi zitha kuchitika pokhapokha ndi chilolezo chawo.

Mulimonse momwe zingakhalire zovuta zachuma, mutha kupeza njira yothetsera mavuto. Zikhala zosavuta kuthana ndi vutoli ngati mungazipereke ngati chikole katundu wamadzi, mwachitsanzo, galimoto (PTS auto), nyumba zogulitsa (nyumba kapena nyumba)... Pofuna kupewa zovuta zilizonse pakulandila ndalama, ndikofunikira kuti muzidziwe zovuta za njirayi pasadakhale.

Pomaliza, tikukulangizani kuti muwonere kanema wonena za komwe mungapeze ndalama pompano:

Ndizo zonse kwa ife!

Gulu latsamba "RiсhPro.ru" likufunira owerenga onse ndalama. Ngati pakufunika kulandila ndalama pa bail, okhawo omwe ali ndi ngongole mwachilungamo ndi omwe akuyimitseni, ndipo mapulogalamu awo ndi omwe amapindulitsa kwambiri!

Ngati muli ndi mafunso kapena ndemanga pamutuwu, lembani ndemanga pansipa. Tidzakhalanso okondwa ngati mutagawana nkhaniyi ndi anzanu. Mpaka nthawi yotsatira!

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