Momwe mungatengere (kubweza) ngongole yanyumba yanyumba, nyumba, malo komanso komwe kuli bwino kupeza ngongole yanyumba: Mabanki A TOP-5 + akatswiri othandizira kupeza ngongole yanyumba

Madzulo abwino, owerenga okondedwa a Malingaliro a Moyo! M'nkhaniyi tikufotokozerani ndingapeze bwanji (kuti) ngongole yanyumba nyumba, nyumba kapena malo, momwe kubanki kuli bwino kupeza ngongole yanyumba, komanso ndani angapereke chithandizo kwa akatswiri kupeza ngongole yanyumba.

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

Mutawerenga nkhaniyi, mudzadziwa:

• Ndondomeko zanji zopeza ngongole yanyumba;
• Zomwe zikufunika kuti mutenge ngongole yanyumba, nyumba yabwinobwino kapena malo ena alionse;
• Kodi mawonekedwe a ziwongola dzanja ndi ziti?
• Kodi ndi pati pomwe kuli bwino kulembetsa kubweza kubweza pa intaneti;
• Kodi mungapeze kuti thandizo lopeza ngongole yanyumba yomwe ili ndi mbiri yoyipa ya ngongole.

Kumapeto kwa kufalitsa, mayankho amaperekedwa kale ku mafunso omwe nthawi zambiri amafunsidwa akafuna kubweza ngongole.

Nkhani yomwe yaperekedwa ingathandize aliyense - omwe asankha kale kugula nyumba kapena nyumba ina pangongole, komanso omwe akukayikirabe.

Kulembetsa kubweza ngongole- njirayi ndi yayitali. Samalandira zochita mopupuluma komanso mopupuluma. Chifukwa chake, ndikofunikira kuwerenga nkhaniyi nthawi yayitali musanapereke fomu yofunsira ngongole kuti mukhale ndi nthawi yoganizira bwino chilichonse. Mwambiri, musataye nthawi, yambani kuwerenga pompano.

Momwe mungakonzekerere bwino ndikupeza ngongole yanyumba, komwe (mu banki iti) ndibwino kutenga ngongole yanyumba kapena nyumba yokhala ndi malo okhala, komanso omwe angakuthandizeni kupeza ngongole yanyumba - werengani m'magazini ino

1. Njira zoperekera ngongole yanyumba kubanki banks

Boma limayang'anira njira zoperekera ngongole zanyumba polemba malamulo. Ku Russia, chinthu chofunikira kwambiri chobwereketsa nyumba chimachitika lamulo ladziko "Pangongole"adayambiranso 1998 chaka.

Lamuloli limaletsa ufulu wamagulu obwereketsa ngongole panthawi yogulitsa ngongole zanyumba. Zomwe ochita ngongole mderali akuyenera kuchitidwa motsatira malamulo.

Koma mabanki amapatsidwa ufulu wosankha obwereketsa. Amadziyimira pawokha kuti apereke chani ndi ndani kuti akane.

Pachifukwa ichi, zofunikira zingapo zimaperekedwa kwa ofunsira:

1. Zaka. Pachikhalidwe, ngongole zanyumba zimaperekedwa kwa obwereka omwe adutsa 21 chaka. Izi zimaganiziranso zaka za wobwereka panthawi yobweza kwathunthu ngongole yanyumba malinga ndi ndandanda.
2. Mulingo wa ndalama.Pozindikira kuchuluka kwakulipirira pamwezi, mabanki amalingalira chuma chonse cha banja... Ndikofunikira kuti ikhale yochulukirapo kuposa yomwe idakonzedwa osachepera mu 2 nthawi.
3. Ntchito yokhazikika. Momwemo, wobwereka ayenera kugwira ntchito pakampani yayikulu yotchuka. Obwereketsa amasamala za omwe adzalembetse ntchito omwe amawagwirira ntchito amalonda.
4. Unzika. Mapulogalamu ambiri obweza ngongole kubanki yayikulu amapangidwira nzika za Russian Federation.

Njira zopezera ngongole yanyumba sizodziwika kokha ndi zomwe wobwereketsayo amafunikanso, komanso magawo akulu amtunduwu wobwereketsa, omwe akuwonetsedwa pangano la ngongole.

Zizindikiro zofunika kwambiri panyumba ndi izi:

• Voterani. Chidwi chapakati m'mabanki aku Russia ndi 12%... Amadziwikanso ndi zifukwa zosiyanasiyana - kupezeka kwa chithandizo cha boma, kuyanjana ndi magulu ena a nzika.
• Ngongole yayitali. Nthawi zambiri zimakhala pamiyeso kuchokera 60 kale 360 miyezi... Nthawi zambiri, nthawi imatha kukhala yayitali.
• Zolemba malire kuchulukazomwe zitha kuperekedwa. Ku Russia, ili pamtunda1 000 000 - 20 000 000 Ma ruble.
• Mapenati. Musanasaine pangano lanyumba, muyenera kudziwa kuti zinthu zili bwanji komanso kuti amalipiritsa ndalama zingati. Ndikofunikira kuzindikira kuti nthawi zina, malinga ndi mgwirizano, ngakhale tsiku limodzi lochedwa lilipira chindapusa.

Potengera mavuto azachuma omwe akuchulukirachulukira, kuchuluka kwa nyumba zogulitsidwa pangongole zikuchepa pang'onopang'ono. Pankhaniyi, mabungwe azangongole amakakamizidwa kumenyera aliyense kasitomala. Kwa izi ndikofunikira kuwunikiranso momwe ngongole yanyumba iliri. Zotsatira zake zidali kuti mu kale chaka, panali zizolowezi zochepetsera mitengo yanyumba.

2. Zomwe muyenera kudziwa musanatenge ngongole yanyumba 🔔

Anthu ambiri ku Russia sangakwanitse kugula nyumba ndi nyumba kuti agule ndalama. Zotsatira zake, izi zikuchitika motere kuti kwa ambiri ngongole yanyumba ndiyo njira yokhayo yopewera kusunga kwakanthawi ndikusamukira kunyumba kwawo.

Ziwerengero zikuwonetsa kuti zoposa 50% malo ogulitsa ku Russia awomboledwa pa ngongole... Komabe, si onse obwereketsa omwe ali ndi chidziwitso chokwanira chazinyumba. Izi nthawi zambiri zimakhala chifukwa cha zovuta.

1) Chofunikira pakubweza ngongole yanyumba

Choyamba, muyenera kumvetsetsa zomwe zimatchedwa ngongole yanyumba masiku ano azachuma.

Ngongole - mtundu wa ngongole zomwe mukufuna kuti mugule nyumba ndi wobwereka, zomwe zimalonjezedwa ndi banki.

Pankhani yopeza nyumba polembetsa ngongole yanyumba, wobwereketsa amakhala ngati mwiniwake wa malowo, koma alibe ufulu wochotsa mwakufuna kwake.

Ngati, ngongole yonse yobweza ngongole isanachitike, wobwerekayo asiya kulipira mwezi uliwonse, kampani yobweza ngongoleyo ili ndi ufulu wofunsira za iye zilango... Kuphatikiza apo, ngati kuphwanya mfundo za mgwirizano wa ngongole, banki ili ndi ufulu kudzera kukhothi kuti itenge chikole, ndiye kuti nyumba zokhalamo.

Tiyenera kumvetsetsa kuti mavuto okhala ndi ngongole atha kubuka osati kokha chifukwa chobweza mochedwa pamwezi.

Kulephera kukwaniritsa zomwe mukuganiza kumaphatikizaponso:

• kuphwanya malamulo a mgwirizano wa inshuwaransi;
• kusamutsa malowo kwa munthu wina;
• kuphwanya malamulo oyendetsera nyumba;
• kusinthidwa kosaloledwa kwa maluso (mawonekedwe);
• kuwonongeka kwa malo ndi nyumba.

Zofunika pangani chisankho wobwereketsa ndipo pulogalamu yanyumba... Lero ku Russia mutha kulembetsa ngongole ngati izi ku banki iliyonse yayikulu. Tiyenera kukumbukira kuti ku Russia chiwongola dzanja chambiri pa ngongole yanyumba ndi 13%... Izi ndizokwera kwambiri kuposa mayiko ambiri otukuka.

Pali magawo angapo ofunikira a ngongole yanyumba:

• nkhani ya chikole;
• nthawi yobwereketsa;
• kuchuluka.

Aliyense wa iwo ayenera kugamulidwa pasadakhale, asanalembetse fomu yofunsira.

Pofuna kuti ngongole zanyumba zisagwire ntchito yovuta, muyenera kukhala okonzekera zamaganizidwe ake. Momwemo, chisankho pakulembetsa kwake chiyenera kupangidwa ku khonsolo yamabanja. Tiyenera kumvetsetsa kuti kwa nthawi yayitali kwambiri (pafupifupi 5 – 30 zaka) sayenera kulipira kokha mtengo wa nyumbayo, komanso chiwongola dzanja chowonjezera.

Muyenera kukhala okonzeka m'malingaliro kuti gawo lalikulu la bajeti yamabanja lidzagwiritsidwa ntchito polipira ngongole zanyumba pamwezi. Ndipo izi zipitilira kwa zaka zopitilira khumi ndi ziwiri. Chifukwa chake, bajeti yamabanja iyenera kukonzedwa kwakanthawi.

Zikhala zothandiza musanapemphe ngongole yanyumba ndipo tchulani ndalamazo kulipira kwakukulu komaliza... Izi zitha kuchitika pogwiritsa ntchito chowerengera ngongole kapena polumikizana wogulitsa ngongole.

Kulipira ndalama zambiri ikuyimira kusiyana pakati pa mtengo wanyumba womwe wogulitsa wagulitsa ndi ndalama zomaliza zomwe zolipiridwa ndi wobwereka kuti abwezere ngongole yanyumba yonse ndikumasula nyumbayo pazobisalira.

Poganizira kuti mitengo yanyumba pakadali pano ndiyokwera kwambiri, ndipo nthawi yobwereketsa ndi zaka makumi angapo, kuchuluka kwa zolipiritsa kungakhale kwakukulu. Nthawi zambiri, nyumba yomwe imagulidwa ndi ngongole yanyumba 2 nthawi okwera mtengo kwambirikuposa momwe zinalili poyamba.

Zindikirani. Ena amachita mantha ndi kuchuluka kwa malipiro olipira. Ena, pogawa ndi nthawi yobwereketsa, amaganiza kuti ndalamazo ndizovomerezeka ngati mwayi wokhala m'nyumba zawo.

Nthawi zambiri wina amamva lingaliro loti mitengo yanyumba yomwe ilipo ndiyolanda. Koma musaiwale kuti zomwe zilipo ku Russia kufufuma kuposa kuchuluka kwapakati. Nthawi yomweyo, mabanki akuyenera kuwonetsetsa phindu lawo ndikuphimba zoopsa zomwe zingachitike.

Mulimonsemo, wobwereka aliyense ayenera kulingalira kuchuluka kwa zolipirira pasadakhale. Poterepa, adziwa zomwe ayenera kukonzekera, ndipo akalandira mgwirizano wanyumba, chizindikirochi sichingakhale chodabwitsa.

Ntchito ina yofunikira ya wobwereka ndi kudziwa kuchuluka kwa ndalama, zomwe ndizofunikira kuti mupeze ngongole yanyumba. Ndikofunika kudziwa kuti chiwerengerocho ndi chiti pamene kulipira pamwezi sichipitirira 40% ya ndalama. Poterepa, ndikofunikira kukumbukira magwero onse omwe amapezeka nthawi zonse, wobwereka yekha ndi omwe adabwereka nawo adakopeka naye.

2) Zomwe mungapeze ngongole yanyumba

Magawo ofunikira a ngongole yanyumba ndi gawo lake. Ngakhale kuti wobwereketsa aliyense amapanga mapulogalamu ake obwereketsa, pali zofunikira zingapo zomwe zimakhala ngati ngongole iliyonse.

Zinthu zoyambira kuti mupeze ngongole yanyumba yanyumba

1. Zaka za wobwereka

Nthawi zambiri, ngongole zanyumba zitha kupezedwa ndi nzika zomwe zafika zaka zakubadwa 21 chaka. Zaka zokulirapo zimadalira pakubwereketsa. Amatanthauziridwa ngati kuchuluka kwa m'badwo wapano wa wobwereka komanso nthawi yomwe akuyembekezere ngongole. Nthawi zambiri malire akumwambaku ndi zaka zopuma pantchito, zomwe zimawonjezeka ndi 3 — 5 zaka.

Malo otsogola kumapeto kwa zaka zakubadwa amakhala ndi Sberbank... Apa, zaka zokulirapo kumapeto kwa ngongole yanyumba ndi 75 zaka.

2. Solvency

Chizindikiro cha wobwereketsa chimakhala chofunikira pakuganizira fomu yofunsira ngongole yanyumba.

Poterepa, magawo otsatirawa amakumbukiridwa mosalephera:

• kuchuluka kwa ndalama pamwezi;
• ntchito, komanso udindo;
• kuchuluka kwa ndalama za omwe amabwereka anzawo;
• mbiri ya ngongole.

Ndi pamlingo wa solvency pomwe pazotheka zotheka kulipira mwezi uliwonse... Ndipo zimadalira chizindikiro ichi kukula, ndi nthawi ngongole yanyumba.

3. Mtundu wa ntchito

Mabanki ambiri amakhulupirira ogwira ntchito zabomaomwe amalandira malipiro okhazikika. Ntchito yotereyi imadziwika ndikukhazikika. Komanso tacitly olandiridwa kukhala ndi diploma ya maphunziro apamwamba.

Zachilendo, koma kupeza ndalama zoyambira Kuchokera ku bizinesi yanu, imakakamiza mabanki kuti atumize kasitomala kwa obwereka pachiwopsezo chachikulu... Malongosoledwe ake ndiosavuta - chuma chamakono sichimalola kutsimikizira ndalama zolimba kubizinesi. Ngakhale ntchito zopindulitsa zitha kukhala zopanda phindu nthawi iliyonse.

4. Mapindu

Chofunikira china pakubweza ngongole yanyumba ndi kupezeka kwa maubwino aboma.

Zothandizira zimatsimikiziridwa ku magulu ena a nzika:

• mabanja achichepere (zaka za okwatirana siziyenera kupitirira 35 years), omwe adaphatikizidwa ndi pulogalamu yofananira;
• Mabanja omwe mwana adabadwira ali ndi ufulu likulu la amayi;
• asilikali.

Magulu awiri oyamba okhala nzika zitha kudalira thandizo la boma pakubweza ngongole zanyumba zoyambirira kapena kubweza gawo lina la ngongole malinga ndi mgwirizano wapano.

Asitikali, kumbali inayo, amatha kudalira kulipira ngongole yanyumba kwa iwo mopanda kupitirira 2,4 miliyoni miliyoni... Werengani zambiri za kubweza ngongole yankhondo mu imodzi mwazinthu zathu.

Magawo asanu opezera ngongole yanyumba

3. Momwe mungapezere ngongole yanyumba - magawo asanu opezera ngongole yanyumba 📝

Mwanjira zambiri, zomwe zimachitika mukapeza ngongole yanyumba zimatsimikiziridwa ndi omwe amapereka ngongoleyo. Banki iliyonse wekha akukula mawu obwereketsa, mafomu kapangidwe ka zikalata, amakhala zofunikira kwa wobwereka... Kuphatikiza apo, mabungwe azangongole amadzisankhira okha kuti akawerenge momwe akufunsira mpaka liti.

Zindikirani! Mabanki ena amalonjeza kuti adzakonza ngongole yanyumba mwachangu komanso popanda mavuto osafunikira, kungowonetsa 2 chikalata. Komabe, ziyenera kukumbukiridwa kuti kuvomereza kotereku SALI kwaulere. Muyenera kulipira mosavuta ndi kulipira kwakukulu kapena chiwongola dzanja chowonjezeka.

Ngakhale kukhalapo kwa ma nuances omwe amalembetsa m'mabanki osiyanasiyana, pali magawo angapo omwe amapezeka panjira yanyumba iliyonse.

Gawo 1. Kuwunika kwa msika wogulitsa nyumba

Akatswiri ambiri amalimbikitsa kuti musankhe malo omwe mukufuna kugula musanalankhule ndi banki. Koma akatswiri ena ali otsimikiza kuti ndikofunikira kudikirira kusaka chinthu chobwereketsa mpaka mavuto onse kubanki atathetsedwa.

Komabe, ngakhale pankhani yachiwiri, muyenera kusanthula msika wanyumba pasadakhale. Izi zikufotokozedwa ndikufunika kosonyeza pakupempha ngongole yanyumba kuchuluka kwa ngongole yomwe mwakonzekera.

Ndikofunikira kudziwa kuti zidzatheka kugula malo ndi nyumba zenizeni pangongole:

• nyumba kumsika wachiwiri;
• kumaliza nyumba m'nyumba zatsopano;
• nyumba m'nyumba yomangidwa;
• kanyumba;
• nyumba yachinsinsi.

Mabungwe ena angongole amakonza ngongole zomanga nyumba, koma zosankha zotere ndizochepa kwambiri. Mapulogalamu ngati amenewa amapezeka, mwachitsanzo, mu Sberbank ndipo Rosselkhozbank.

Posankha nyumba, ziyenera kumveka kuti eni ake amakana kugulitsa malo awo kuti agule nyumba. Izi ndizowona makamaka pakugula nyumba kumsika wachiwiri. Chifukwa chake, ndikofunikira kuchenjeza eni malo pazokhumba zanu pasadakhale.... Njirayi imapulumutsa nthawi, chifukwa imalepheretsa kusamvana komanso kukana kugulitsa panthawi yogulitsa.

Mabanki amakhalanso tcheru pazinthu zogulitsa nyumba, zomwe zikukonzekera kugula ndi ndalama za ngongole. Mutha kutenga ngongole yanyumba kokha pogula nyumba yokwanira yokwaniritsa zofunikira zina.

Banki iliyonse imakhazikitsa njira zosankhira nyumba payokha. Koma chizindikiro chimodzi chimakhala chofala - katundu sayenera kukhala wosakhazikika, wowonongeka kapena woti awonongeke.

Ndikofunikanso kumvetsetsa kuti ngongole yobweza sangaperekedwe popanda katswiri wowunika nyumbayo. Ndikofunikira kuti kampani yobwereketsa ndalama iwonetsetse kuti kuchuluka kwa ngongole zomwe mwalandira zikufanana ndi mtengo wamalo omwe agulidwako.

Gawo 2. Kusankha ngongole

Wobwereka aliyense, posankha ngongole, amatsogoleredwa ndi zomwe amakonda komanso zomwe amakonda. Koma mulimonsemo, ambiri obwereketsa amayang'anitsitsa chiwongola dzanja... Kwa ambiri, chizindikirochi ndichachikulu.

Mukamasankha banki kuti mupeze ngongole yanyumba, muyenera kulumikizana ndi amene amadzagwiritsa ntchito omwe amabwereka mtsogolo. Poterepa, mutha kudalira mtima wokhulupirika ndipo mawu abwino okongoletsa ngongole.

Akatswiri amapereka malangizo ena kwa iwo omwe amasokonezeka ndi kusankha banki:

• ndikofunikira kufotokozera zomwe zingachitike pakubweza pang'ono pang'ono komanso kwathunthu - nthawi zonse pamakhala kuthekera kokuwonjezeka kwa ndalama, zomwe zimabweretsa chikhumbo chochepetsa ngongole;
• muyenera kusanthula ndemanga za obwereketsa omwe adalembetsa kale ngongole yanyumba kubanki yomwe ikukambidwa;
• zikhala zofunikira kulemba mndandanda wa mafunso kwa woyang'anira ngongole polemba, izi zithandiza kusaiwala mfundo zofunika;
• wobwereka ayenera kuwerengetsa ndalama zomwe amapeza mwezi uliwonse; ngati sizokwanira, ayenera kupeza wobwereka.

Ambiri adadandaula pakusaina mgwirizano malipiro ochulukirapo, ndi kulipira mwezi uliwonse... Kuti izi zisakhale zosadabwitsa, muyenera kudziwa kuti zikhala zochuluka bwanji pasadakhale.

Gawo 3. Kulembetsa fomu yofunsira ngongole yanyumba

Muyenera kulembetsa ngongole yanyumba kumabanki ochulukirapo. Izi zimawonjezera mwayi wosankha bwino. Ngati chivomerezo chimachokera ku mabungwe angapo obwereketsa ngongole nthawi imodzi, ndikwanira kuti musankhe momwe zinthu zilili zabwino.

Ndi zolemba ziti zofunika kuti mutengeke ngongole yanyumba?

Banki iliyonse ili ndi ufulu kukhazikitsa mndandanda wazolemba zawo zofunika kuti mupeze ngongole yanyumba.

Komabe, zikalata zotsatirazi zitha kusiyanitsidwa kuti mupeze ngongole yanyumba, yomwe ingakhale yothandiza kulikonse:

• pasipoti ya nzika ya Russian Federation;
• Sitifiketi yaukwati;
• satifiketi kubadwa kwa mwana aliyense m'banja;
• buku la ntchito lopangidwa ndi kutsimikizidwa ndi wolemba pantchito pano;
• satifiketi yotsimikizira kuchuluka kwa ndalama;
• satifiketi yochokera kuchipatala yomwe imanena kuti wobwerekayo sanalembetsedwe.

Ngati mukufuna kukopa obwereketsa anzawo, aliyense wa iwo ayenera kukonzekera zikalata zomwezo. Kuphatikiza apo, katundu akasankhidwa kuti agule, banki iyenera kupereka zikalata zake.

Gawo 4. Inshuwaransi yanyumba

Ngati banki, potengera zotsatira zakugwiritsa ntchito, ivomera kuperekedwa kwa ngongole yanyumba, njira yogulitsirayo iyamba. Gawo lake loyamba ndi inshuwaransi... Njirayi ndiyofunikira. Ndalama zomwe zimachitika mu inshuwaransi zimayendetsedwa ndi wobwereka.

Ndikofunika kudziwakuti ndikofunikira kutsimikizira chokha chomwe walonjeza, ndiye anapeza malo... Kutsiliza mapangano ndi makampani a inshuwaransi nthawi zina ndi kufuna kwawo.

Komabe, kuti achepetse zoopsa, mabanki m'njira zonse zotheka kukakamiza obwereketsa kuti athe kudzipangira okha luso logwira ntchito, thanzi ndipo moyo.

Zotsatira zankhaniyi ndi imodzi - chifukwa cha wogula nyumbayo, zowopsa za omwe ali ndi ngongole ndi inshuwaransi. Nthawi yomweyo, wobwereka amakhalabe wopanda inshuwaransi pazinthu zosayembekezereka. Ngati chochitika cha inshuwaransi chichitika, zolipazo zidzasamutsidwa ku banki. Wobwereka sadzapeza kalikonse.

Zikuwoneka kuti kudzipereka kokhazikika pakugula inshuwaransi kumatanthauza kuti ntchitoyi itha kukanidwa. Komabe, kupewa izi, mabungwe angongole kuonjezera mlingo pakalibe inshuwaransi... Poterepa, muyenera kuwerengera mosamala zomwe zingakhale zopindulitsa kwambiri.

Mwanjira ina zofunikira yerekezerani kulipira kwambiri ngongole yanyumba yokhala ndi chiwongola dzanja chokwanira ndi kuchuluka kwa zolipira pamtengo wotsika, koma kulingalira mtengo wa inshuwaransi.

Zotsatira zake, mudzayenera kukhala ndi inshuwaransi. Ndiyeno mphindi ina yosasangalatsa imabuka - nthawi zambiri wobwereketsa amasankha inshuwaransi... Amapatsa wobwereka kampani imodzi kapena zingapo za inshuwaransi zomwe amagwirizana nazo.

Nthawi yomweyo, zikuwoneka kuti lamuloli liyenera kugulidwa pamitengo yabwino kwambiri pamsika. Njira yokhayo yosungira ndalama ndikumaliza mokwanira inshuwaransi zoopsa zonse zofunika nthawi imodzi.

Gawo 5. Kutsiliza mapangano

Chimodzi mwazinthu zofunikira kwambiri panjira yanyumba ndi Mapeto a mgwirizano wa ngongole... Monga mgwirizano wina uliwonse, uyenera kuwerengedwa mosamala, osadumpha gawo limodzi.

Musaiwalekuti muyenera kuzidziwa bwino za mgwirizano wa ngongole PAMBUYO mphindi yosaina kwake. Ngati mfundo zilizonse mu mgwirizano zikuwoneka kuti sizikumveka, musazengereze kufunsa wopereka ngongole.

Phunziro la mgwirizano, chidwi chachikulu chiyenera kulipidwa pazachuma chanyumba. Njira kuchuluka kwa zolipira, mtundu wawo, Zilango zakuchedwa kubweza... Momwemo, banki iyenera kupereka kwa wobwereketsayo ndandanda yakulipirira nthawi yonse yanyumba.

Nthawi yomweyo ndi kusaina kwa pangano la ngongole, nawonso kugulitsa malo ndi mgwirizano... Momwe ndalama zolipirira nyumba zimasamutsidwa kwa wogulitsa zimatsimikizika payokha pazogulitsa zilizonse. Izi zitha kukhala kusamutsa ndalama ku akaunti kapena kusamutsa ndalama pogwiritsa ntchito bokosi losungitsa.

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Chifukwa chake, njira yochitira kubweza ngongole ndi yayitali. Kwa iwo omwe si akatswiri azachuma kapena ngongole, zitha kuwoneka zovuta kwambiri. Komabe, potsatira gawo lililonse lazogulitsa motsatizana, zovuta zambiri zitha kupewedwa.

4. Momwe mungapangire ngongole yanyumba: kumene mungayambire 📋

Lingaliro lofunsira ngongole yanyumba kuti mupeze malo ndi nyumba liyenera kukhala loyenera komanso lalingaliro, simuyenera kulipeputsa. Nzika zambiri zomwe zimasankha kukhala eni nyumba pogwiritsa ntchito ngongole yanyumba sakudziwa komwe angayambitsire kulembetsa.

Akatswiri amalimbikitsa, choyamba, kuti apange kuwerengera momwe angakwaniritsire ndalama.

Ndikofunikira kuti mumvetsetse bwino kukula kwa izi:

• ndalama zomwe zitha kusamutsidwa ngati zolipiritsa;
• mtengo wa nyumba zomwe mukufuna, motero, kuchuluka kwa ngongole yanyumba yobweza;
• ndalama zomwe wobwereka akufuna kupereka mwezi uliwonse monga zolipira.

Kukula kwa ngongole yanyumba yamtsogolo ndi chimodzi mwazizindikiro zofunika kwambiri zomwe ziyenera kuyesedwa ntchito isanapangidwe.

Kuchuluka kwa ngongole kumakhudzidwa kwambiri ndi ziwonetsero ziwiri:

1. ndalama zomwe wobwereka ali wokonzeka kusamutsa ngati zolipiritsa;
2. kuchuluka kwa ndalama zomwe mumapeza mwezi uliwonse, zomwe zitha kulembedwa kuti awunikenso ndalama za banki.

Chizindikiro 1. Malipiro apansi pakubweza ngongole yanyumba

Sikovuta kuwerengera kuchuluka kwa zolipiritsa pangongole yanyumba. Wobwereka aliyense akhoza kuthana ndi ntchitoyi.

Kuwerengetsa ndalama zolipirira, ndikwanira kutsatira njira ziwiri zokha:

Gawo 1. Choyamba, mufunika fufuzani mtengo wa malo ndi nyumba omwe akukonzedwa kuti mupeze... Kuti muchite izi, pitani pa intaneti malo osaka katundu... Imasankha njira yogulitsa nyumba yomwe ingafanane ndi nyumba yomwe ikukonzekera kugula. Kuti muwerengere, muyenera kukumbukira mtengo wake. Ngati pali njira zingapo zoyenera, ndibwino kuti mutenge mtengo wowerengera wolondola. Pambuyo pake, gawo limodzi limawerengedwa pazotsatira zake.

Mwachitsanzo, mtengo wapakati wanyumba ngati yomwe mukufuna kugula ndi 3 000 000 Ma ruble. Kuti mudziwe kuti ndi zingati 1% yake, muyenera kugawa mtengo ndi 100:

3 000 000 / 100 = 30 000 Ma ruble

Zikuoneka kuti mtengo wa gawo limodzi la nyumba zomwe zasankhidwa ndi 30 000 Ma ruble.

Gawo 2. Otsatidwa ndi kuwerengera kuti ndi zingati peresenti ya mtengo wa nyumba yomwe wobwereka amatha kulipira palokha... Kuti muchite izi, muyenera kulingalira kuchuluka kwa ndalama zomwe mwasunga. Chiwerengerocho chikuyenera kugawidwa ndi mtengo wa gawo limodzi la nyumbayo.

Ngati tingaganize kuti ndalama za wobwereka ndi 900 000 rubles, likukhalira:

900 000 / 30 000 = 30%

Mwanjira ina, wobwereka amakhala ndi magawo makumi atatu a mtengo wa nyumba yomwe idakonzedwa kuti igulidwe.

Chizindikiro ichi chimakupatsani mwayi wosankha pulogalamu yoyenera yanyumba. Musaiwale kuti chimodzi mwazizindikiro zofunikira zanyumba ndi gawo la zolipira zomwe muyenera kulipira.

Kuphatikiza apo, kukula kwa zolipirira kumakupatsani mwayi wodziwa kuchuluka kwa ngongole yomwe mukufuna. Mwa chitsanzo chathu, zimapezeka kuti ndalamazo zikuyenera kuwonetsedwa pakugwiritsa ntchito ngongole yanyumba:

3 000 000 – 900 000 = 2 100 000 Ma ruble

Ndalamayi siyokwanira kugula nyumba ndi ndalama.

Chizindikiro 2. Mulingo wa Solvency

Chizindikiro china chofunikira pakuwerengera ngongole yanyumba ndi mulingo wa ngongole ya wobwerekayo. Sikovuta kumvetsetsa ndalama zomwe ziyenera kulembedwa kubanki.

Choyamba muyenera gwiritsani ntchito iliyonse chowerengera chanyumbazoperekedwa pa intaneti. Muwindo lapadera mwalowa mtengo wanyumba, gawo loyamba.

Tikulangiza kuti tigwiritse ntchito chowerengera kuti tipeze zolipira:

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Monga chiwongola dzanja Mutha kutchula mtengo wapakati pamsika. Lero pafupifupi15%. Ngongole akhoza kulakwitsa chifukwa 20 zaka. Pambuyo kukanikiza batani kuwerengera adzadziwika ndalama zolipira pamwezi... Mwachitsanzo, mtengo uwu udzakhala 27 653 ruble.

Pachikhalidwe, kuchuluka kwa ndalama zotsimikizika kuyenera kukhala osachepera kawiri kuposa gawo la mwezi. Izi zimaperekedwa ndi mabanki ambiri.

Pazambiri zomwe zaperekedwa mchitsanzo, ndalama zonse ziyenera kukhala zofanana ndi:

27 653 * 2 = 55 306 Ma ruble

Ndi ndalama izi (nthawi zambiri malipiro) zomwe zimayenera kutsimikiziridwa ku banki ndi ziphaso.

Ndikofunikira kudziwa kuti izi sizongoyenera kukhala ndalama zongobwereka za wobwerekayo yekha. Mabanki ambiri amalola kubwereka ngongole yanyumba Okhala nawo limodzi... Poterepa, ndalama zonse zomwe zatsimikiziridwa kwa onse omwe atenga nawo gawo pangongole zidzatengedwa kuti ziwerengedwe.

Sikuti aliyense amamvetsetsa chifukwa chomwe mabanki amafunira ndalama zomwe zimawoneka ngati zikukokomeza. M'malo mwake, njirayi imalimbikitsidwa njira yotetezera wobwereka ku mavuto azachuma... Mukamalipira ngongole yanyumba, payenera kukhala ndalama zokwanira (osachepera theka la ndalama) pazakudya wamba komanso kugula zinthu zina zofunika.

Komabe, sizotheka nthawi zonse kulemba zakukwanira kwa ndalama zomwe amalandila. Kuphatikiza pa malipiro, wobwereka atha kukhala ndi ndalama zina zosayenera. Pankhaniyi, funso likubwera: mukufunikiradi kusiya ngongole yanyumba?

Pali zosankha ziwiri zomwe mungagwiritse ntchito m'malo awa:

1) Komabe, tumizani zikalata zomwe zilipo ku bungwe la ngongole. Nthawi zambiri, kuleka... Komabe, mabanki ena amavomereza ngongole zanyumba ngakhale komwe kulipira kuli 70% ya ndalama.

Kuphatikiza apo, pali kuthekera kopeza chilolezo kwa ndalama zochepa kuposa zomwe zalengezedwazo. Zoona, pakadali pano, muyenera kulipira ndalama zambiri, kapena musankhe nyumba yotsika mtengo.

2) Gwiritsani ntchito thandizo la wogulitsa ngongole. Tiyenera kukumbukira kuti nthawi iliyonse banki ikakana kupereka ngongole yanyumba, zidziwitso za izi zimaperekedwa Ngongole Bureau.

Mwachilengedwe, zambiri zotere m'mbiri ya ngongole zitha kukopa zisankho zamabungwe angongole mtsogolo. Chifukwa chake, pozindikira kuti pali zovuta zosiyanasiyana, kuphatikiza kuchuluka kwa ndalama, ndibwino kuti mulumikizane ndi akatswiri nthawi yomweyo.

Obwereketsa ngongole amaphunzira mosamala zambiri ndi zikalata zomwe wobwereka adapereka. Pambuyo pake, amauza wobwereka mtsogolo, momwe angakwaniritsire kulandira ngongole zabwino chisankho.

Amalonda amayesa kupereka njira zomwe zingabweretse ngongoleyo. Kuphatikiza apo, amadziwa bwino kuti ndi mabanki ati omwe safuna ziphaso, ndipo ndikwanira kufotokoza ndalama zowonjezera pamlomo.

Tiyenera kudziwa kuti amisili odziwa zambiri amalumikizana ndi mabungwe ambiri obwereketsa ngongole. Ubwenzi woterewu umakupatsani mwayi wothandiza makasitomala kupeza ndalama zokwanira pobweza ngongole pazinthu zabwino kwambiri.

Kodi ndingapeze ngongole yanyumba yanyumba yomwe ili ndi mbiri yoyipa yangongole?

Chifukwa chakuchepa kwa ndalama ku Russia, komanso chifukwa cha nthawi yamavuto, lero ambiri ali ndi mavuto ndi mbiri yawo yangongole. Ndi zachilengedwe kuti izi ndi zomwe nthawi zambiri zimayambitsa kukana chifukwa chofunsira kubweza. Chifukwa chake, obwereka mtsogolo nthawi zambiri amakhala ndi funso, zidzakhala zotheka kutenga ngongole yanyumba yomwe ili ndi mbiri yakale ya ngongole.

Choyambirira, muyenera kumvetsetsa kuti banki itha kuzindikira za ziphuphu zakale za ogula kapena makhadi a ngongole. Ngakhale nthawi yomwe solvency yasintha kukhala yabwinoko, kasitomala adzapatsidwa chilichonse chiopsezo chachikulu.

Titha kuthandizabe kukonza ngongole yanyumba osinthitsa ngongole... Amadziwa mapulogalamu osiyanasiyana amakasitomala omwe ali ndi mbiri yoyipa yangongole. Chifukwa chake, ali m'manja mwawo kupeza chilolezo chanyumba. ngakhale Zikatero.

Mulimonsemo, ndalama za broker zimadalira kuchuluka kwa ngongole zomwe adathandizira kupeza chilolezo. Njirayi imatsimikizira kuti wogulitsa broker achita zonse zotheka kuti akwaniritse chisankho kwa kasitomala wake.

Kuti mumve zambiri zakomwe mungabweretse ngongole ndi mbiri yoyipa ya ngongole popanda ziphaso zakulandirira ndi okutsimikizirani, werengani imodzi mwamalemba athu.

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Zimapezeka kuti mukalembetsa ngongole yanyumba simuyenera kuchita mantha, chinthu chachikulu ndikuyamba... Ndikofunika kusankha mtundu wa nyumba zomwe mukufuna kugula ndikumvetsetsa momwe zikugwirizanira ndi zomwe mumapeza.

Ngati zikuwonekeratu kuti pali zovuta zilizonse zomwe zingakulepheretseni kupanga chisankho choyenera, muyenera kulumikizana ndi amisala nthawi yomweyo.

Kuwongolera mwatsatanetsatane kwamomwe mungapezere ngongole yanyumba yanyumba kapena nyumba

5. Momwe mungapezere ngongole yanyumba yanyumba, nyumba kapena ina mu njira 5 zosavuta - malangizo ndi sitepe 📑

Kulembetsa kubweza ngongole - njira yovuta komanso yayitali. Chifukwa chake, ndikofunikira kuzichita pang'onopang'ono. Ngakhale musanayambe ndondomekoyi, muyenera kuwerenga mosamalitsa tsatane-tsatane malangizo omwe amafotokoza momwe zinthu ziyenera kuchitidwira. Ndikofunikanso kudziwa momwe mungachitire gawo lililonse moyenera momwe mungathere.

Akatswiri amalangiza kuyambitsa njirayi ndi kusankha malo ndi nyumbainakonzedwa kuti igulidwe. Poterepa, zikuwonekeratu kuti ngongole yanyumba ikafunika ndalama zingati, gawo loyamba liyenera kukhala lotani. Magawo ena obwereketsanso amatengera mtengo wanyumba.

Gawo 1. Kusankhidwa kwa malo

Iwo omwe asankha kugula nyumba yanyumba ali ndi nkhawa makamaka ndi funso loti: Kodi ndimabizinesi ati omwe amabwereketsa?

Lero mutha kutenga ngongole yanyumba pafupifupi chilichonse:

1. nyumba mu nyumba yatsopano (nyumba yatsopano) kapena mumsika wachiwiri;
2. kanyumba kapena kanyumba kachilimwe;
3. nyumba yachinsinsi.

Mabanki amabwereketsanso kutenga nawo mbali pomanga nawo... Kuphatikiza apo, nthawi zina, mutha kutulutsa ngongole yomanga nyumba yanu.

Pakadali pano, wobwereka amayenera kuwunika momwe angakwaniritsire, ayenera kulumikizidwa bwino ndi zikhumbo zawo. Njirayi imakuthandizani kuti musakhumudwe pogula komanso kuti musadane ndi kubweza kudzera pamalipiro angapo pamwezi.

Pakusankha nyumba yogulira, zolinga za wobwereka mtsogolo ndizofunikira kwambiri.

Njira yoyamba - nzika imapangitsa kuti moyo ukhale wabwinokugula nyumba yayikulu kwambiri kapena malo apamwamba. Nthawi yomweyo, monga lamulo, pali ndalama zambiri zokhazikika. Obwereketsawa amavomereza mosavuta kugawana ndi nyumba zatsopano ngati pali mavuto.

Njira yachiwiri - milandu ikabweza ngongole ndi cholinga chopeza nyumba yawoyawo. Poterepa, obwereketsa amayesetsa kuti asataye katundu wawo. Amatenga zolipira ngongole mozama kwambiri.

Posankha malo ndi nyumba, ziyenera kukumbukiridwa kuti mabungwe obwereketsa ngongole ali ndi zofunika zazikulu pazomwe adapeza.Powononga ndalama zanyumba, sizingatheke kugula nyumba zadzidzidzi komanso zowonongeka, komanso malo omwe ali kunja kwa Russia.

Gawo 2. Kupeza malo obwereketsa komanso pulogalamu yobwereketsa ndalama

Posankha kampani yobwereketsa, munthu ayenera kulingalira zolinga, ndi mphamvu wobwereka. Nthawi yomweyo, ndikofunikira kumvetsetsa kuti ngakhale munthawi yomwe nzika imakonda banki, izi sizitanthauza kuti ngongole yanyumba iperekedwadi. Mwachidule, kuti tivomere ntchito yobwereketsa, ndikofunikira kufikira kumvetsetsa pakati pa wobwereketsayo ndi wobwereketsayo.

Ngakhale ziwongola dzanja m'mabanki ambiri ndizofanana, zili pafupi msika wapakatikati mitengo, pamakhala mwayi wopeza ngongole zabwino.

Mapindu aboma ngati alipo, muyenera kuyigwiritsa ntchito ngati zolembetsa zikhala zovuta. Ngakhale kutsika kwakuchepa kwa chiwongola dzanja pamene kuli koyenera thandizo kumabweretsa kusunga ndalama zambiri... Kwa zaka zambiri, zimakhala makumi ndipo ngakhale mazana mazana a ruble.

Pali magawo angapo omwe muyenera kutsatira mukamasankha ngongole, komanso pulogalamu yanyumba.

Njira zazikulu posankhira ngongole:

1. kudalirika, komanso mbiri ya banki;
2. maumboni ochokera kwa makasitomala enieni omwe adalembapo kale ngongole yanyumba kudzera mwa wobwereketsa uyu;
3. kuchuluka kwa ngongole zomwe zingatheke;
4. kuchuluka kwa zolipira pansi;
5. zofunikira pakubweza msanga kwathunthu komanso pang'ono, kupezeka kwa zilango za njirayi;
6. udindo wopanga ma inshuwaransi, komanso kuchuluka kwa ndalama za inshuwaransi;
7. kuchuluka kwa chindapusa, komanso momwe angapangire ndalama zawo akaganiza zakuchedwa.

Kwa iwo omwe malipiro awo sali ovomerezeka kwathunthu, muyenera kusankha mapulogalamu omwe amalola pezani ngongole yanyumba yopanda ziphaso ndi chitetezo.

Palinso zikhalidwe zomwe zimatanthauza kuti kupezeka kwa ngongole pamaziko a banki. Komabe, mapulogalamu ngati amenewa amaphatikizapo chiwongola dzanja chambiri.

Gawo 3. Kukonzekera zikalata zofunikira ndikulembetsa ntchito

Zambiri pakupambana kwanyumba ndi mapangidwe olondola phukusi la zikalata. Banki iliyonse imapanga mndandanda wake, komabe, ndizotheka kusankha zomwe ndizofunikira kwa aliyense.

Mndandanda wamakalata opezera ngongole yanyumba, yomwe mabungwe onse angongole amafunikira:

1. kugwiritsa ntchito kapena kufunsa mafunso okhudza kubweza ngongole;
2. ma ID a wobwereka yekha, ma guarantors ndi omwe amabwereka anzawo;
3. buku la ntchito, lovomerezedwa ndi omwe akukulembani ntchito pano;
4. satifiketi ya mulingo wa ndalama;
5. kwa amalonda achinsinsi, ziphaso ndi ziphaso zoyenera;
6. zikalata zakunyumba yomwe yakonzedwa kuti igulidwe.

Chifukwa gawo la nzika phukusi la zikalata lidzakhala lokulirapo. Kuphatikiza apo, mudzafunika mapepala omwe amatsimikizira kuti ufulu uli ndi ufulu, komanso chilolezo kuchokera kwa akuluakulu kuti agwiritse ntchito ndalama zothandizira ndalamazo.

Gawo 4. Kusainirana mgwirizano wobwereketsa ngongole

Gawo lomwe lili ndiudindo waukulu wolembetsa kubweza ngongole ndi kukhazikitsa mgwirizano wanyumba... Musanasaine panganolo, ndikofunikira kuti muwerenge mosamala. kuchokera choyamba kale ndime yomaliza.

Chisamaliro chapadera Ndikofunika kulipira magawo omwe alembedwa pang'ono. Njira yabwino - tengani gawo la mgwirizano pasadakhale ndikuwerenga kunyumba. Bwino - lolani loya wodziwa bwino awerenge mgwirizanowu.

Ndi pamaziko a mgwirizano wanyumba pomwe wobwereka amalandila ufulu wosamutsa ngongole yomwe walandila kuti alipire malo omwe apeza.

Nthawi yomweyo, musaiwale izi mpaka kukwaniritsidwa kwathunthu kwa zofunikira malinga ndi mgwirizano wanyumba, malowo adzapezeka adalonjeza kubanki... Popanda chilolezo cha wobwereketsayo, wobwereketsayo sangathe kumuwononga mwanzeru zake. Ndiye kuti, sangathe kugulitsa, kupereka kapena kusinthana nyumba yomwe agula.

Gawo 5. Kukwaniritsidwa kwamalonda

Lamulo laku Russia likunena kuti ayenera kuonetsetsa kuti nyumba yogulitsidwa ndi ngongole yanyumba. Komabe, mabungwe amabanki nthawi zambiri samangokhala ndi chindapusa. Nthawi zambiri amafuna kuti apereke ndondomeko ya inshuwaransi ya moyo, thanzi ndi zoopsa zina zomwe zingachitike. Mwachilengedwe, mudzayenera kulipira inshuwaransi iliyonse.

Banki ilibe ufulu wokakamiza kuti apange mapangano ena a inshuwaransi. Komabe, pofuna kuchepetsa mavuto omwe ali nawo, obwereketsa amayesetsa kukakamiza wobwereka kuti agule mfundo. Chifukwa chake, kukana kupereka chiwopsezo chilichonse, banki imatha kuwonjezera chiwongola dzanja.

Gawo lomaliza lolembetsa ngongole yanyumba ndi kulembetsa mgwirizano wogulitsa malo ndi nyumba mu Rosreestre... Nthawi yomweyo, chikalata china chofunikira chikujambulidwa, chomwe chimatchedwa kubweza ngongole... Mgwirizanowu umatsimikizira kukhalapo kwa chododometsa.

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Chifukwa chake, kulembetsa ngongole yanyumba ndi njira yokhazikika. Kudziwa njira mwatsatanetsatane kumapangitsa kukhala kosavuta kugula malo ndi ngongole.

Ma Nuances ndi mawonekedwe a kulembetsa ngongole yanyumba pamunda wapamtunda

6. Zinthu zazikulu pangongole yanyumba 🏡

Panyumba, mutha kugula osati nyumba zogonamo, komanso malo... Kubwereketsa koteroko kumakhala ndimitundu ingapo. Popanda kuganizira zofunikira kwambiri, ziwongola dzanja za malo sizingatheke. Ngakhale pazochitikazo pamene kugulitsako kukuchitika, sizikugwirizana ndi lamulo.

1) Makhalidwe a nkhani yanyumba yanyumba

Gawo loyambilira lanyumba yanyumba ndikuzindikiritsa zomwe zili pamutu pangongole. Kufunika kwa izi kumachitika chifukwa ndi njira iyi yomwe imathandizira kumvetsetsa ngati malo ena ake atha kugulidwa pa ngongole.

Chiwembucho chiyenera kukhala ndi mawonekedwe ena:

1. palibe choletsa kubweza;
2. Palibe zoletsa.

Ngati nkhani yanyumba siyikugwirizana ndi njira ziwirizi, kubweza ngongole kumatha kuonedwa ngati kuphwanya malamulo a Russian Federation. Zonsezi zafotokozedwa mwatsatanetsatane pansipa.

1. Kuchepa kwa chiwongola dzanja cha malo

Malamulo okongoza ngongole yanyumba satsimikizira kuti chikolecho sichingakhale katundu womwe pazifukwa zina umakhala wochepa kapena kutulutsidwa. Izi zimagwiranso ntchito pobwereketsa kugula malo.

Malinga ndi malamulo adziko lapansi, minda ingathe kusiyanitsidwa mokometsa:

• ziwembu za nkhalango;
• nthaka yaulimi;
• malo owonongeka ndi mankhwala a radioactive, komanso zinyalala zina zowopsa;
• madera omwe awonongedwa.

2. Kuletsa bail

Mukazindikira ngati malo atha kukhala ngongole yanyumba, ziyenera kukumbukiridwa kuti lamuloli limaletsa kutenga zinthu zina ngati chikole. Izi ndi monga, mwa zina:

• Malo omwe ali ndi boma kapena boma. Kuletsa kusamutsa ziwembu monga chikole kumafotokozedwa ndikufunika kosunga umphumphu wa gawo la dziko lathu, komanso kuteteza malo osungidwa ndi boma. Boma lili ndi ufulu wosamutsa madera amenewa kuti aziwongolera chuma ndi ntchito.
• Malo omwe sali ochepera dera locheperako. Chizindikirochi chimatsimikiziridwa ndi malamulo oyendetsedwa ndi mabungwe a Russian Federation, komanso maboma wamba. Izi zimagwira ntchito m'malo osiyanasiyana ovomerezeka ndi osankhidwa. Zocheperazo zimadza chifukwa choti zigawo zosiyanasiyana gawo lamagawo omwe amagwiritsidwa ntchito ndi osiyana. Ndicho chifukwa chake malire apansi ndi apamwamba am'malo am'minda sakhala ofanana.

2) Zina mwazinthu zanyumba yanyumba

Kuphatikiza pazomwe zafotokozedwa za ngongole zanyumba, zomwe zimakhudzana ndi mutu walonjezo, palinso zina zofunika kwambiri.

Zovuta zoyamba kubweza ngongole yadziko ndi nyumba... M'mayiko otukuka kwambiri, kubweza ngongole pamunda kumatanthauzanso chikole cha nyumba zonse zomwe zili pamenepo.

Mosiyana ndi mayiko akunja, malamulo aku Russia amagawana 2 mtundu wa chikole – nthaka ndipo nyumba... Zikuoneka kuti ndi ngongole yanyumba yanyumba, nyumba zomangidwa pamenepo zalonjezedwa OSATI ali.

Ndi zachilengedwe kuti njira yotere imabweretsa kusalinganika. Chifukwa chake, nthawi zambiri, maphwando pamsika amayesa kujambula chikole munthawi yomweyo pamalo ndi nyumba.

Zikakhala kuti mgwirizanowu sukupereka chikole munthawi yomweyo, ngati malowo awonongedwa, ufulu wokhala ndi nyumbayo amakhala ndi mwini wake. Kuphatikiza apo, pankhaniyi, mbali ina ya malo omwe akukhalapo ndi zomangamanga, wobwereketsa adzatero chisangalalo(ufulu wofikira kudzera pamalowo kupita ku nyumba yomwe ili pamenepo).

Chikhalidwe chomaliza chofunikira pangongole yanyumba yogulira malo ndi zolemba zina, ndi Migwirizano ndi zofunikira za mgwirizano... Iwo akhoza kutchedwa moyenera za ngongole zanyumba. Ngati chimodzi mwazinthuzo zikusowa, olamulira olembetsa ali ndi ufulu wokana kuchita kulembetsa ufulu wachibadwidwe pamalowa.

Zowonjezera pazomwe zili mumgwirizano wanyumba yanyumba

Pachikhalidwe kusiyanitsa 2 zina zowonjezera kubweza kwanyumba:

Mkhalidwe 1. Kuwunika kwa malo omwe agulidwa kubweza sayenera kukhala ochepera mtengo wokhazikika. Mwanjira ina, nthaka siyingakhale yotsika mtengo poyerekeza ndi malire otsika mtengo. Powerengera mtengo wokhazikika, choyambirira, umaganiziridwa dera lenileni.

Kuphatikiza apo, mawonekedwe apadera amalingaliridwa:

• zothandizira;
• makhalidwe nthaka;
• malo.

Ndikofunika kuyang'anitsitsa izi. Musaiwale kuti kuwerengera kolakwika kwa zizindikirozi nthawi zambiri kumakhala chifukwa chotsutsana. Kuyeserera kumadziwa milandu pomwe, chifukwa chakumasulira kolakwika kwa tsambalo, khothi lidaganiza zolanda mwiniwake ufulu wogwiritsa ntchito mpaka kalekale.

Mkhalidwe 2. Kupezeka kwa cholumikizira ku mgwirizano wanyumba.Imakhala ngati kuwonjezera pa pulaniyi, yomwe ikuwonetsa malire a tsambalo. Chojambula chotere chimaperekedwa komiti ya malo.

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Chifukwa chake, kubweza ngongole za malo kumakhala ndi zinthu zingapo. Ndikofunika kuziwerenga mosamala musanapemphe ngongole.

7. Ndi kuti komwe kuli bwino kutenga ngongole yanyumba (ngongole yanyumba) - mabanki TOP-5 omwe ali ndi ngongole zabwino 📊

Masiku ano, mapulogalamu ochulukirapo ambiri amagwirira ntchito mumsika wazachuma. Kuphatikiza apo, nthawi zambiri, ngakhale mkati mwa bungwe limodzi la ngongole, zinthu zosiyanasiyana zimapangidwa.

Zikatere, zimakhala zovuta kusankha banki yomwe ili ndi zikhalidwe zabwino kwambiri. Masanjidwe opangidwa ndi akatswiri atha kuthana ndi ntchito yovutayi. Chifukwa chake, banki iti yomwe ndiyabwino kutenga ngongole yanyumba, tikambirana pansipa.

Mabanki ovomerezeka omwe ali ndi ngongole zabwino zanyumba:

№	Kuyendetsa ngongole	Ndondomeko yobwereketsa	Chiwongola dzanja,% pachaka
1	Banki ya Moscow	Nyumba zatsopano zothandizidwa ndi boma	11,75
2	Chidwi	11.5% ya nyumba zatsopano	11,50
3	Wolemba Gazprombank	Nyumba, nyumba zamatawuni zothandizidwa ndi boma	11,00
4	Ugra	Ngongole zanyumba	10,90
5	Tinkoff	Nyumba zatsopano zothandizidwa ndi boma	10,49

Tinalemba kale za komwe kumakhala kopindulitsa kwambiri kubweza ngongole yanyumba komanso banki yomwe ndiyabwino kubweza nyumba - tikukulimbikitsani kuti mudzidziwe bwino.

8. Momwe mungalembetsere ngongole yanyumba paintaneti? 💻

M'masiku amakono, mafunso ndi mavuto ambiri amathetsedwa pogwiritsa ntchito intaneti. Izi zimagwiranso ntchito ndi ngongole zanyumba.

Kutumiza ntchito kudzera pa intaneti ndi njira yabwino kwambiri yobwerekera. Ndi yabwino kwa iwo omwe alibe nthawi yopuma.

Zolingalira za zochitika zolembetsa zolembetsa pa intaneti zanyumba kudzera pa intaneti

Kulembetsa kubweza ngongolepa intaneti amalola wobwereka kuti apewe kufunika kokaona maofesi amabanki ambiri. Popanda kuwononga nthawi yolumikizana ndi omwe amabwereketsa ngongole, wobwereketsa payekhapayekha amawerengera magawo a ngongole zosiyanasiyana zanyumba, kuziwunika ndikuziyerekeza.

Pogwiritsa ntchito odzipereka chowerengera chanyumba, mutha kudziwa kuchuluka kwa ndalama zomwe mumalipiritsa pamwezi, kuchuluka kwa zolipiritsa komanso magawo ena ofunikira. Mawerengedwe omwe adachitika amathandizira wofunsayo kudziwa kuchuluka kwa zomwe angapeze mu ngongole yanyumba.

Ndikofunikira kudziwa kuti posankha kuchuluka kwa ngongole, magawo awa amawerengedwa:

1. mulingo wa ndalama;
2. ndalama zomwe zilipo, zomwe zidzagwiritsidwe ntchito polipira.

Ndikofunikanso kudziwa nthawi yobwereketsa. Osati kokha kukula kwa malipirowo kumadalira pa izo, komanso kuchuluka kwa zolipira zochulukirapo.

Nthawi yobwezera ngongole yanyumba imatsimikiziridwa ndi magawo angapo:

• kuchuluka kwa ngongole;
• chiwongola dzanja;
• mulingo wa solvency, womwe umakhudza kukula kotheka kwa malipirowo.

Kukula kwa zolipira kwakukulu ndichotsatira chofunikira pakuwerengera. Wobwereka sayenera kulingalira kuchuluka kwa zomwe zikumveka pulogalamuyi, koma zothandiza... Mwanjira ina, kuchuluka kwa zolipira mopitirira muyeso kumakhudzidwa osati ndi chiwongola dzanja chochulukakomanso zosiyana ntchito, ndi ndalama zowonjezera, kuphatikiza inshuwaransi.

Kuti muwerenge ngongole yanyumba, mutha kugwiritsa ntchito iliyonse chowerengera pa intaneti... Masamba ambiri azachuma amakhala ndi mapulogalamu ofanana nawo patsamba lawo.

Chitsanzo cha momwe mungagwiritsire ntchito ngongole yapa intaneti kudzera pa tsamba lovomerezeka la banki - kuwerengera pogwiritsa ntchito chowerengera ngongole

Musaiwalekuti kuti mupeze chidziwitso chodalirika, muyenera kudziwa ndendende Osati kokha mlingo ndi kuchuluka kwa ndalama zolipira. Zofunika ganiziraninso zolipira zonse ndi ma komisheni, ndalama za inshuwaransi zomwe zikugwirizana ndi pulogalamu yomwe yasankhidwa.

Nthawi zambiri, kuwerengera kogwiritsa ntchito makina olembera ngongole yanyumba kumakhala pafupifupi. Kuti mupeze chidziwitso chenicheni, ndibwino kutchula wogulitsa ngongole banki inayake.

Zindikirani. Ngati mukuphunzira zambiri zomwe zili pa intaneti, mafunso amakhalabe, nthawi zonse mutha kuyimba manambala omwe awonetsedwa. Njirayi imakupatsani mwayi wofotokozera mwachidule mfundo zosadziwika bwino.

Gawo lotsatira ndi kulemba fomu yofunsira ngongole yanyumba... Ndikofunika kutumiza mafomu kumabanki angapo nthawi imodzi. Izi zidzakupulumutsirani nthawi yambiri. Pakakhala kukana kubungwe limodzi la ngongole, simuyenera kuyambitsa kusaka kuyambira koyambirira ndikudikirira kuti ziwunikiridwe, zomwe zitha kukhala zazitali mukafuna kubweza.

Ngati chisankho chokhazikitsidwa ndi mabanki angapo, ndikwanira kufananizira malingaliro omwe adalandila. Pambuyo pake, njira yabwino kwambiri yasankhidwa, enawo amangonyalanyazidwa.

Kuti mupereke fomu yofunsira, pitani pa tsamba la banki yomwe mwasankha. Pachikhalidwe, ndipamene funso loti amene adzakhale wobwereka ladzazidwa.

Zotsatirazi zalembedwera pempho la ngongole:

• zambiri za wopemphayo;
• malo ogwirira ntchito ndi ndalama;
• kapangidwe ka mabanja ndi ndalama zonse;
• kuchuluka kwa maudindo;
• zambiri zokhudza malo omwe akukonzekera kugula.

Nthawi zambiri, kubweza ngongole kumafotokozedwa mwatsatanetsatane kuposa ngongole ya ogula. Komanso, amawerengedwa kuti ndi yayitali. Izi zikufotokozedwa ndi nthawi yayitali komanso kuchuluka kwa ngongole. Mwachikhalidwe nthawi yolingalira ranges kuchokera 1 kale 7 masiku.

Kuwunikiranso kwa omwe amabweza ngongole omwe amapereka chithandizo chanyumba

9. Yemwe amathandizira kupeza ngongole yanyumba - mwachidule za TOP-5 broker broker ers

Sikuti aliyense angathe kulembetsa ngongole yanyumba payokha. Izi zimafunikira ndalama zofunikira nthawi, makhalidwe abwino... Kuphatikiza apo, kuti mumvetsetse bwino za zovuta za zovuta zobwereketsa kubweza, osachepera Kudziwa zochepa pazachuma... Ndizachilengedwe kuti si aliyense amene ali ndi kuthekera koteroko.

Komabe, simuyenera kusiya lingaliro logula nyumba potenga ngongole yanyumba. Yankho labwinoko lingakhale kugwiritsa ntchito thandizo la mkhalapakati waluso pakati pa wobwereka ndi wobwereketsa. Izi ndizomwe zimatchedwa Wobweza ngongole.

Katswiri wotere nthawi zambiri amadziwa mawonekedwe a kuchuluka kwakukulu mapulogalamu akubweza ngongolepamsika. Amatha kuthandiza aliyense amene akufuna kusankha ngongole yabwino kwambiri komanso yopindulitsa.

Nthawi zambiri m'mizinda yayikulu mumakhala mabungwe onse oyimira pakatiomwe amapereka chithandizo kwa osintha ngongole. M'madera ang'onoang'ono, nkhoswe zotere zimapezeka m'mabungwe akuluakulu ogulitsa nyumba.

M'dera la Moscow, akatswiri amasiyanitsa Makampani a 5, Omwe ndi atsogoleri odziwika pamsika wabizinesi. Izi zafotokozedwa pansipa.

1) LK-ngongole

Ngakhale kuti broker uyu ndi watsopano pamsika, adapeza kale mbiri yabwino. Palibe zolipira pasadakhale zomwe zimafunikira kuchokera kwa makasitomala pakampaniyi. Ndalama zolipirira ntchito zomwe zimachitika zimachitika pokhapokha mgwirizanowu.

2) Kommersant-Mawu

Ogwira ntchito a broker omwe akukambidwawa ali ndi chidziwitso pakuwongolera ndi ntchito zachitetezo cha mabanki osiyanasiyana.

Chifukwa cha ichi, ngongole yanyumba imadziwika kuno kuchokera mkati.

3) Ntchito Zothetsera Ngongole

Kampani yomwe idaperekedwa idagwira bwino pamsika ndi 2010 za chaka.

Kampaniyi imapereka ntchito zogulitsa kubizinesi kwa anthu onse komanso mabungwe azovomerezeka.

4) Kusankhidwa kwanyumba

Wobwereketsa woperekayo adapangidwa mu 2012 chaka.

Onsewa ndi makampani akutsimikiziridwa kuti apanga chisankho choyenera pamabanki aku Moscow.

5) Laborator ya ngongole

Onse ogwira ntchito pakampaniyo amadziwa zambiri. Amatha kukonzekera makasitomala awo pazofunikira zilizonse, ngakhale zenizeni, za omwe amabweza ngongole.

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Ndikofunika kuti muthe kuthandizidwa ndi broker osati kungofuna kupulumutsa nthawi ndi mitsempha. Othandizira amathandizira kukonza ngongole yanyumba munthawi zosafunikira, zomwe ndizovuta ndi zovuta zilizonse. Nthawi zina, makampani oterewa samangokhala ngati nkhalapakati, komanso ngati othandizira amakasitomala awo.

Mukamalumikizana ndi ogulitsa, ndikofunika kuwunika mosamala mbiri yawo. Izi zithandiza kupewa mgwirizano ndi achinyengo. Kuphatikiza apo, simuyenera kusamutsa ndalama zolipirira ntchito. kale mphindi yolandila ngongole.

Malangizo othandiza momwe mungatengere ngongole yanyumba moyenera komanso mopindulitsa

10. Momwe mungatengere ngongole yanyumba - maupangiri 5 othandiza ochokera kwa akatswiri 💎

Ngongole zanyumba ndizofala masiku ano. Mwachilengedwe, sikuti aliyense amene adaganiza zopanga izi ali ndi maphunziro apadera - zachuma kapena malamulo... Chifukwa chake, ndikofunikira kuyandikira kulembetsa ngongole yanyumba mozama ndikukonzekera.

Kupeza ngongole yabwino kumakhala kovuta. Kuti musunge misempha yanu ndi nthawi yanu, komanso kugula katundu wanu popanda mavuto osafunikira, zofunika Phunzirani mosamala zofunikira zofunika kwambiri pakadali pano PAMBUYO kulembetsa ntchito.

Kuphatikiza apo, sikungakhale kopepuka kutsatira malangizo a akatswiri. Njira iyi ipewetsa mavuto ambiri.

Langizo 1. Muyenera kupereka ngongole yanyumba mu ndalama zomwe ndalama zambiri zimapezekera

Lamulo lalikulu pakufunsira ngongole zamtundu uliwonse ndikumaliza mapangano kokha mu ndalama yomwe wobwereka amalandila malipiro. Malongosoledwe ake ndiosavuta - mukamapeza ngongole yanyumba yakunja kuti mulipire ngongoleyi, muyenera kuyigwiritsa ntchito pogwiritsa ntchito chuma cha ruble.

Komanso pali chiopsezo choopsa... Izi zithandizira kuti ndalama zolipiridwa mwezi uliwonse ziwonjezeke. Izi sizikuwopseza kokha ndi kuchepa kwa solvency, komanso kugwa kwathunthu kwa omwe amapereka.

Zinali zoterezi kwa iwo omwe amasangalatsidwa ndi otsika komanso 2013-2015 Zaka zomwe ndapereka ngongole yanyumba yakunja. Kuwonjezeka kwakukulu kwa kusinthaku kudapangitsa kuti, malinga ndi ma ruble, zolipira zidakwera pafupifupi Nthawi ziwiri... Nthawi yomweyo, malipiro sanasinthe.

Zotsatira zake nthawi zambiri zimakhala zomvetsa chisoni - obwereketsa sangathe kukwaniritsa maudindo awo. Anthu ambiri amayenera kugulitsa nyumba yomwe adagula ndi ngongole yanyumba.

Langizo 2. Musamangokhalira kudziunjikira chuma

Simuyenera kusankha nthawi yomweyo kugula nyumba yayikulu ngati mulingo wa ndalama sukulola kuwononga ndalama zambiri mwezi uliwonse pakubweza ngongole.

Pankhani yachuma, lamuloli ndi - mtengo wogwirizira zomwe mwachita sayenera kupitilirapo 30-40% ndalama... Kufunika kovuta kwa chizindikiro ichi ndi 50%. Ngati ngongole yanyumba ingapose theka la ndalama zomwe amalandila, izi zithandizira kuti mavuto azikhalidwe azikhala okhazikika.

Anthu ambiri aku Russia amaiwala za lamuloli. Ambiri amatenga ngongole zanyumba ndi malipiro omwe amapitilira 70% ya ndalama zawo. Amakhulupirira kuti chinthu chachikulu ndikugula nyumba osaganizira momwe angabwezere ngongoleyo.

Zotsatira zake, moyo wathunthu sutuluka. Ngati vuto lawonjezeredwa munthawi yachuma, kuchedwa... Zotsatira zake ndi mbiri yoyipa ya ngongole.

Mapeto ofunikira kwambiri amadzipangira okha. Simungakulitse mphamvu zanu pazachuma. Malo okhala ayenera kuwongoleredwa pang'onopang'ono.

Choyamba, mutha kulembetsa ngongole yanyumba ndalama zochepa zofunika kugula kanyumba kakang'ono. Ndizotheka kuti pofika nthawi yobweza kwathunthu, zomwe zikuchitika pamsika wobwereketsa kubweza.

Lero pali chizolowezi chochepetsa mitengo. Chifukwa chake, mwachidziwikire, m'tsogolomu zidzatheka kupeza ngongole yanyumba pazabwino. Ndiye ndikofunikira, ngati mukufuna, kusintha nyumba yaying'ono kuti ikhale yayikulu.

Langizo 3. Ndikofunikira kusankha nthawi yabwino yofunsira ngongole yanyumba

Pazogulitsa zilizonse zogulitsa nyumba, ndikofunikira kusankha nthawi yoyenera. Zomwezo zimaphatikizaponso kufunsira ngongole yanyumba.

Nthawi zambiri, zinthu zogula malo ndi nyumba zimatha kuimitsidwa kwakanthawi. Zikatero kuti agule nyumba mwachinyengo za ndalama zomwe adabwereka zikuyenera kukhala nthawi yomwe amafunikira.

Momwemo, muyenera kuyembekezera zosowa zochepa kuti mutsimikizire kuti ntchitoyo yatha nthawi yabwino.

Kungakhale kulakwa kutenga ngongole yanyumba ndi kugula nyumba msika ukakhala wotanganidwa. Poterepa, mwachidziwikire, pambuyo pake, chiwongola dzanja pamisika chikatsika mitengo ikatsika, wobwereka ayamba kuluma m'zigongono.

Langizo 4. Muyenera kuphunzira mgwirizano mosamala musanasaine

Kuti mgwirizano uyenera kusainidwa kokha mutaphunzira mosamalitsa, aliyense amadziwa. Komabe, sikuti malamulo onsewa amatsatiridwa. Kuphatikiza apo, ndipangano ili momwe zinthu zazikulu pakubweza ngongole zimafotokozedwera, zomwe ndizodziwika pazochitika zina.

Makamaka pophunzira mgwirizanowu akuyenera kuperekedwa ku magawo omwe akukhudzanandalama zowonjezera... Ambiri obwereka samatsimikiza pazosiyanasiyana mabungwe ndipo ndalama za inshuwaransi.

Nthawi yomweyo, mabanki nthawi zambiri amafuna inshuwaransi chaka chilichonse m'makampani ena. Zotsatira zake ndikukula pamitengo yanyumba pafupifupi ndi 1% pachaka. Kulipira ndalama zochuluka chonchi kumabwera ngati chinthu chosadabwitsa kwa obwereketsa omwe sachita chidwi.

Langizo 5. Muyenera kuda nkhawa ndikupanga zomwe zimatchedwa airbag

Ndalama ziyenera kusungidwa muakaunti yapadera (makamaka dipositi) pamlingo wolipira kangapo pamwezi. Mtengo woyenera ndi kuyambira 3 mpaka 6 ngongole pangongole.

Nthawi yomweyo, pali zifukwa zingapo zomwe ndalama izi siziyenera kuyikidwanso kuti zibwezeredwe mwachangu:

1. Mabanki ambiri sakonda kulipira ngongole pasanapite nthawi ndikukhazikitsa njira zotere mabungwe ena... Chifukwa chake, zimakhala zopanda phindu kubweza ngongole zoyambirira pang'ono nthawi zambiri.
2. Ngati ndalamazo zathetsedwa nthawi isanakwane, kasitomala nthawi zambiri amataya chiwongola dzanja chomwe adapeza kale.

Chifukwa chake, ndibwino kusunga ndalama zoterezo mu akaunti yapadera. Amatha kuthandizira pakakhala zovuta..

Ngakhale wobwereka atataya ntchito, mothandizidwa ndi airbag, amatha kupitilizabe kubweza ngongole panthawi.

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Chifukwa chake, pomvera upangiri wa akatswiri, mutha kuyendetsa bwino kukwaniritsa kwanu ngongole yanyumba.

11. Mafunso Ofunsidwa Kawirikawiri (FAQ) 📢

Kupeza ngongole yanyumba si ntchito yophweka. Chifukwa chake, ngakhale upangiri wa akatswiri nthawi zambiri sikokwanira. Nthawi zambiri, pamakhala zovuta zomwe zimafunikira yankho mwachangu. Ichi ndichifukwa chake m'nkhaniyi mupeza mayankho amafunso omwe amafunsidwa kawirikawiri.

Funso 1. Kodi kubweza ngongole kubweza ndi chiyani?

Ndikofunikira kwa aliyense amene angaganize zobweza ngongole kuti adziwe chomwe chili chiwongola dzanja... Malinga ndi malamulo aku Russia, wobwereka ali ndi ufulu wobwezera gawo lina la ndalama zomwe zidachokera kwa iye kukalipira ngongole yanyumba.

Sikuti aliyense amadziwa kuti zidzakhala zotheka kubweza osati zolipira zokha, koma gawo limodzi chabe la msonkho pamalipiro omwe aperekedwa kuti agwiritse ntchito. Njirayi imatchedwa Kuchotsa katundu.

Wobwereka ali ndi ufulu wolandila chiwongola dzanja mu kuchuluka kwa 13% kuchokera ku chiwongola dzanja chomwe analipira pa ngongole yanyumba yakale chaka chatha. Ufulu wochotsera umakhalapo kokha nthawi yomwe wobwereka amakhala ndi ndalama ku Russian Federation atakhoma msonkho pamlingo 13%.

Kubwezeredwa sikumapangidwa ndi bungwe la ngongole, koma ndi boma. Chifukwa chake, kuti mulandire ndalama zofunika, muyenera kulumikizana ku ofesi yamsonkho.

Funso 2. Ndikufuna kutenga ngongole yanyumba yogona. Ndizotheka kodi?

Osati aliyense amene angakwanitse kubwereketsa ngongole yanyumba yokwanira mamiliyoni angapo. Koma izi ndizomwe zingatenge ndalama zambiri kugula nyumba yathunthu. Mwa njira, tidalemba kale za momwe tingagulire nyumba yanyumba komanso komwe tingayambire ntchito yogulira nyumba yamtsogolo.

Ngati mukufunabe kukhala ndi nyumba yanuyanu, pali njira imodzi yokha yochitira - tengani ngongole yanyumba yogona... Njira yomweyo idzagwira ntchito. likulu la amayi oyembekezera... Sikuti aliyense angathe kulipira ngongole yanyumba yonse ngati pali m'modzi kapena angapo m'banjamo.

Nthawi zambiri, osunga ndalama omwe ali ndi ndalama zochepa amalingalira zipinda ngati njira yodalirika yogulitsa ndalama... Malowa akhoza kubwereka. Pambuyo pobweza ngongole yanyumba yonse, chipinda chimatha kugulitsidwa.

Komanso, mukamagula chipinda chogona pali mwayi woti ugundidwe pulogalamu yogona ngati angasankhe kuigwetsa. Zotsatira zake, mutagula malo ndi nyumba zomwe sizokwanira kwenikweni, mutha kukhala ndi nyumba yabwino. Mwa njira, nthawi zambiri mukamakhala malo okhala, nyumba zimaperekedwa m'nyumba zatsopano.

Zifukwa zonse zomwe zatchulidwazi zimapangitsa kuti nkhani yogwiritsa ntchito mtundu uwu wabwereketsa ikhale yofunikira.

Kupanga ngongole yanyumba yogulira chipinda kumakhala ndi zinthu zingapo:

• Kupeza banki yomwe ingavomereze kubwereka ngongole yogulira chipinda sikophweka. Izi zikugwirizana mwachindunji ndi nkhani yanyumba yanyumba. Kutsika pamsika wogulitsa nyumba ndi zipinda ndizochepa. Chifukwa chake, ngati ngongole yabweza, sizikhala zovuta kugulitsa. Izi zimawonjezera chiwopsezo cha wobwereketsa.
• Phindu kubanki kuchokera kuzogulitsa zotere ndizochepa. Mtengo wa kulembetsa malo ndi nyumba ndiwofunika kwambiri, ndipo chiwongoladzanja chomwe amalandira sichochepa. Izi ndizowona makamaka ngati gawo lina lanyumba libwezedwa nthawi isanakwane poononga capitalism ya amayi oyembekezera.

Komabe, alipo milandu pomwe mabungwe obwereketsa amakhala okondwa kwambiri pakubwereketsa kugula chipinda:

1. Pankhani yanyumba yachitetezo cha katundu wina wamtengo wapatali, womwe ndi wofanana kapena wokwera mtengo kuposa malo omwe agulidwa.
2. Ngati wobwerekayo atha, chifukwa cha zochitika zingapo, ndiye mwini nyumba yonse, kupatula chipinda chapadera. Poterepa, banki imalolera kuchita mgwirizano.

Omwe aganiza zogula chipinda pangongole ayenera kukumbukira kuti palibe mabanki ambiri omwe amapereka ngongole zanyumba pazinthu izi.

Mabanki ndi momwe amakongoletsera kugula zipinda zikuwonetsedwa patebulo:

Kuyendetsa ngongole	Voterani	Ngongole nthawi	Kuchuluka	Zochitika zina
Sberbank	13,45%	Zaka 30	Payekha	Mndandanda wa zolemba ndizofanana ndi ngongole yanyumba yanyumba
Banki ya SKB	14%	Zaka 12,20,30	Kuchokera ma ruble 350,000	Mutha kukopa mpaka awiri obwereketsa nawo
MTS Bank	Payekha	Zaka 3-25	300 000 – 25 000 000	Gawo loyamba liyenera kukhala 10-85%
Banki ya Moscow	Kuchokera 14%	1 mpaka 30 wazaka	Payekha	Simalipira kugula zipinda m'ma hosteli, mutha kubweza ngongole yanyumba yanyumba Kulipira pang'ono sikuchepera 20%
RosEvroBank	Kuchokera ku 13.5%	1 mpaka 20 wazaka	Ku Moscow ndi St. Petersburg mpaka 20 miliyoni, m'maiko ena - mpaka 10	Pali pulogalamu yochepetsera kuchuluka kwa 11.75%
TransCapitalBank	Kuchokera ku 13.5%	Pansi pa 25	500 000 – 20 000 000
Zenith ya Banki	21,5% — 26%	1 mpaka 25 wazaka	Ku Moscow mpaka 14 miliyoni, zigawo mpaka 10	Kulipira pansi osachepera 20%

Funso 3. Kodi mukufunikira chiyani kuti mutenge ngongole yanyumba pamapepala awiri? Kodi mikhalidwe yake ndi yotani?

Anthu aku Russia ambiri amatha kugula nyumba zawo, kokha atapereka ngongole yanyumba. Imeneyi nthawi zambiri imakhala njira yayitali kwambiri yomwe imafuna kutolera zikalata zambiri. Komabe, lero mabanki ochuluka amapereka ntchito zanyumba yobwereketsa.

Pokhudzana ndi mpikisano waukulu komanso kulimbana kwa kasitomala aliyense, mapulogalamu atsopano amakopeka pamsika. Mwachitsanzo, kuthekera tengani ngongole yanyumba ndi zikalata ziwiri zokha.

Ndizachilengedwe kuti ngati mukufuna kulandira ngongole yotere, choyambirira, funso likubwera, ndi zikalata ziti zomwe zifunikire pa izi.

Chikalata choyamba, choyamba, banki idzafuna kuti wobwereketsayo apereke pasipoti... Chofunikira ndikupezeka mu chikalatachi polembetseratu ku Russia (mwanjira ina, kulembetsa).

Chikalata chachiwiri Nthawi zambiri wobwereka amatha kusankha pandandanda womwe akufuna. Mwachikhalidwe, zimaphatikizapo:

1. ID yankhondo;
2. satifiketi yolembetsa mu thumba la penshoni (SNILS);
3. Khadi lachidziwitso la wogwira ntchito yankhondo kapena yaboma;
4. pasipoti yapadziko lonse lapansi;
5. layisensi ya dalayivala.

Ponena za ngongole yanyumba yanyumba, ndianthu wamba kubanki iliyonse. Ngakhale zili choncho, zingapo zodziwika zimatha kusiyanitsidwa.

Zofunikira pangongole yanyumba yomwe yaperekedwa pamalemba awiri:

• Palibe chifukwa chotsimikizira kusungulumwa kwanu.
• Kuchuluka kwa chiwongola dzanja poyerekeza ndi mapulogalamu ena. Kupatula kumeneku kumapangidwa ndi obwereketsa omwe ali ndi ndalama zolipirira kapena zopuma pantchito mgulu la ngongolezi.
• Malipiro apansi amafunika, zomwe nthawi zambiri zimakhala pazigawo khumi ndi zisanu mpaka makumi asanu zamtengo wapatali zomwe mwapeza.
• Mabanki ambiri amalola kukopa anzawo obwereketsa.
• Monga lamulo, palibe ma komiti komanso zoletsa kubweza msanga.
• Ndikofunikira kupereka zikalata zanyumba mutalandira chisankho chabwino chofuna kupereka ngongole.
• Ndikofunikira kutulutsa inshuwaransi. Mukakana ntchitoyi, chiwongola dzanja chikuwonjezeka.
• Ndalama zimaperekedwa kuti mulipire mochedwa.

Kulembetsa fomu yofunsira ngongole yanyumba kumachitika mwachizolowezi:

1. Mafunso amafunsidwa. Izi zitha kuchitika polumikizana ndi ofesi kapena tsamba la banki.
2. Yembekezani chisankho cha bungwe la ngongole. Malingaliro oti agwiritse ntchito m'mabanki osiyanasiyana amasiyana kwambiri. Kuphatikiza apo, nthawi zina, mabungwe azangongole amawonjezera.
3. Tumizani zikalata pazinthu zogulitsa nyumba kuti ziganizidwe,ngati lingaliro lolondola lilandiridwa pa pempholi.
4. Kusayina pangano la ngongole, kubweza ngongole zonse ndikutenga inshuwaransindipo ngati banki ivomereza malo osankhidwa.
5. Pkusaina mgwirizano wogulitsa, komanso kusamutsa umwini wa malo kwa wobwereka ndikulembetsa ngati chikole kubanki.

Zoyenera kuchita m'mabanki omwe amalembetsa ngongole yanyumba potengera zikalata ziwiri

Kuyendetsa ngongole	Kuchuluka	Zaka zobwereka	Voterani	Nthawi	Chigawo choyamba	Zochitika zina
Sberbank	Mu Moscow ndi St. Petersburg 10,000,000 rubles, m'madera ena - 8,000,000	21 mpaka 75 wazaka	Kuchokera ku 11.4%	Zaka 1-30	Kuchokera 50% Mukamachita nawo mapulogalamu othandizira boma - kuchokera 20% Kwa mabanja achichepere ochokera ku 15%	Kulingalira kwa ntchitoyo mkati mwa masiku awiri ogwira ntchito
VTB 24	500,000 mpaka 8,000,000	Kuchokera 14.5%	Zaka 1-20	Kuchokera 40%	Kulingalira kwa ntchito mu maola 24
Banki ya Moscow	Kuchokera 170,000	Kuchokera 15.95%	Mpaka zaka 20	Kugula nyumba kumsika wachiwiri Nthawi yolingalira - maola 24
Rosselkhozbank	Payekha	Kuchokera 14%	Kuchokera 40%	Mutha kusankha ndalama zomwe mwalandira kapena kusiyanitsa zolipira
MTS banki	300,000 mpaka 25,000,000	Zaka 21-65	Zaka 3-25

Mukamayitanitsa ngongole yanyumba pamakalata awiri, ndikofunikira kutsatira malingaliro ena a akatswiri:

1. Phunzirani mosamala za pulogalamu yanyumba PAMBUYO mphindi yakugwiritsa ntchito.
2. Kugwiritsa ntchito kuzindikira nthawi ndipo kukula ngongole zanyumba komanso mitengo, ntchito ndipo ndalama zowonjezera kuwerenga pogwiritsa ntchito makina owerengera ngongole magawo a ngongole yamtsogolo. Pambuyo pake, ndikofunikira kuchita kusanthula kwathunthu ndikuyerekeza ndi mabanki ena.
3. Ndikofunika kupita kunthambi yanthambi kokha zikalata zonse zofunika zikasonkhanitsidwa.
4. Ndikofunikira kudziwa kuti ngongole yanyumba sikutha ndi kuvomerezedwa ndi banki kwa wobwereka. M'malo mwake, akungoyambira kumene. Kuphatikiza pakupereka mwezi uliwonse, muyenera kukonzanso inshuwaransi yanu chaka chilichonse. Kuphatikiza apo, mabanki ambiri amafunikira kuti mupereke ziphaso zakusowa kwa ngongole pazazinthu zofunikira.

Chifukwa chake, kwa obwereketsa ambiri, ngongole ziwiri zanyumba ndi njira yabwino. Ikuthandizani kuti muzisunga nthawi yambiri pokonzekera zikalata zofunika.

Wobwereka sadzafunika kutolera zikalata zambiri. Nthawi yomweyo, mabanki angapo sapereka madongosolo ocheperako ngati achikhalidwe.

Koma musaiwale kuti sizingatheke kugula nyumba pangongole popanda kulipiritsa. Kuphatikiza apo, polembetsa ngongole yanyumba pamapepala awiri, nthawi zambiri pamafunika kutsimikizira kukhalapo kwake.

Funso 4. Kodi mungatani kuti ngongole yanyumba itetezedwe ndi nyumba yomwe ilipo kale?

Mwachikhalidwe, ku Russia, obwereketsa amapanga ngongole zanyumba zotetezedwa ndi malo omwe adapeza. Sikuti aliyense amadziwa kuti palinso mwayi, pogula malo ndi nyumba, kuti apatse wobwereketsa malo okhala ngati chitetezo.

Kuphatikiza apo, nthawi zina, mabanki amapereka kuti atulutse ngongole zosayenera zotetezedwa ndi malo ndi nyumba... Milandu yonse yomwe yafotokozedwanso ilinso kubweza ngongole, mawonekedwe ake ndikulandila ndalama pangongole yotetezedwa ndi malo ndi nyumba.

Zomwe muyenera kudziwa mukamafunsira ngongole yanyumba yotetezedwa ndi nyumba

Ndikofunika kumvetsetsakuti pakalibe zofunikira pakugwiritsa ntchito ndalama zomwe alandila kubweza, ziwopsezo zakubanki zikuwonjezeka zochulukirapo. Nthawi zambiri, zotsatira zake zimakhala zinthu zochepa mapulogalamu oterewa.

Chikhalidwe chofunikira kwambiri Ngongole zotetezedwa ndi malo ndi nyumba zomwe zilipo kale ndikuti malo okhala wobwereka adzakhala ngongole yanyumba... Mwanjira ina, banki ipereka chikole.

Mulimonsemo, maudindo a chikole amapangidwa m'chipinda cholembetsa... Chifukwa chake, wobwereka sathanso kutaya nyumba yake. Popanda chilolezo cha banki, sizingatheke kugulitsa, kupereka kapena kulandira malo okhala. Pobwezera, wobwereketsayo amakhala ndi mwayi wogwiritsa ntchito ndalama zomwe adabwereka kuti agule malo kapena (ngati ataperekedwa ndi mgwirizano) mwakufuna kwake.

Ndikofunika kumvetsetsa izi ngongole yanyumba yotetezedwa ndi nyumba yomwe ilipo kale, monga ntchito zina zachuma, ili ndi yake ubwino ndipo zofooka... Musanavomere kubwereketsa ndalama zamtunduwu, muyenera kuziwerenga mosamala.

Zina mwazabwino zakubwereketsa nyumba zomwe zilipo ndi izi:

1. Mabungwe ambiri obwereketsa ngongole amakhala okhulupirika kwa obwerekera omwe ali okonzeka kulonjeza nyumba zomwe zilipo.Chifukwa chake, ambiri a iwo amapereka zotsika chiwongola dzanja mapulogalamu oterewa. Komabe, posachedwapa mabanki ena ayamba kuchepetsa mitengo yanyumba yanyumba. Chifukwa chake, ndizotheka kuti mwayiwu ukhoza kutha posachedwa.
2. Ndi ngongole yanyumba yotetezedwa ndi nyumba zomwe zilipo kale, chinthu chomwe chimakonzedwa kuti chisungidwe sichofunikira kubanki. Zotsatira zake, pansi pa mapulogalamuwa ndikosavuta kugula nyumba panthawi yokhayo yomanga. Kuphatikiza apo, wobwereka amatha kusankha wopanga yekha, sikoyenera kuti avomerezedwe ndi banki. Komanso, malowo atha kukhala aliwonse - nyumba ya dziko, chipinda m'chipinda chogona ndi njira zina zomwe mabanki ambiri amakana kubwereketsa.
3. Pulogalamu yomwe ikuwunikiridwayo imapangitsa kuti zinthu zikhale zofunikira osati kungogula kokha, komanso kwa wobwereka yekha, kuphatikizapo ake Kusintha... Mwachikhalidwe, nyumba yanyumba yachitetezo chitha kupezeka ndi anthu aku Russia okalamba kuchokera 18 kale 65 zaka... Ndikofunikira kuti wobwereka ndi banja lake azikhala ndi ndalama zokhazikika kubweza ngongoleyo.
4. Mosiyana ndi ngongole zosatetezedwa, mapulogalamu omwe akuwerengedwa amakhala ndi mgwirizano wazaka 30.
5. Ubwino wofunikira ndikuti palibe zolipira. Mabungwe ena angongole, kuti athe kukopa makasitomala, amaika ngongoleyi ngati ngongole yanyumba popanda kubweza. Takambirana kale mwatsatanetsatane za ngongole yanyumba popanda kubweza ngongole muzolemba zam'mbuyomu.
6. Pachikhalidwe, njira zotere sizikhala ndi zilango zoyambilira.

Omwe akufuna kuti adzalandire ngongole ndi malo awo eni ayenera kudziwa zoperewera za mapulogalamuwa. Ngati simukuzidziwana nawo musanasaine mgwirizano, mutha kukumana ndi zodabwitsa zambiri zosasangalatsa.

Zoyipa zamtundu uwu wanyumba ndizo:

1. Sikuti nyumba zonse zogulitsa ndizoyenera kukhala chikole. Mabanki amatchera khutu pangongole zanyimbo zamtunduwu. Sizingatheke kupeza ngongole yanyumba yotetezedwa ndi malowa thumba lanyumba losowa ndipo cholinga chake ndikuwononga anthu ndi kuwakhazikitsanso. Banki siyikongoza ngongole zogulitsa nyumba ndi malo, zomwe mtengo wake ukupitilira 50%. Komanso, palibe ngongole yomwe ingatenge ngati chikole nyumba zamatabwa, komanso ngati ili ndi kukonzanso kosaloledwa.
2. Palibe amene angabweretse ngongole yokhudzana ndi zonse zomwe zilipo. Zomwe mungapeze ndi 70% pamtengo wamsika wanyumbayo.
3. Ndalama zapamwamba za inshuwaransi.Mwachidziwikire, muyenera kutsimikizira moyo wa wobwereka, chikole, komanso nyumba yogulidwa.
4. Kugulitsa ngongole yanyumba, ngati kuli kofunikira, sikungayende. Banki mwina silingagwirizane ndi izi. Chifukwa chake, mgwirizano usanamalizidwe, ndikofunikira kufotokoza nthawi zonse zomwe banki ipereka pomupempha izi.

Kwa mabanki, ngongole yanyumba yomwe ilipo kale imakhalanso ndi vuto lalikulu - chiopsezo chachikulu... Zimafotokozedwa ndikusowa kwa zolipira. Izi zimapangitsa kuti pali mabanki ochepa omwe amapereka mapulogalamuwa. Mwachilengedwe, bungwe lililonse la ngongole limakhala ndi ngongole zake.

Pali magawo angapo okongoletsa ngongole yanyumba yanu:

• ndalama zokongoza - Ma ruble, madola kapena Yuro;
• zaka zochepa za wobwereka - 21 chaka;
• mlingowo umadalira ndalama zokongoza, pafupifupi ma ruble 16% pachaka;
• ngongole yayitali kwambiri - 25 zaka, nthawi zina zimafika zaka 30;
• kuchuluka kwa ngongole zomwe zimaperekedwa sikumapitilira 70% ya mtengo wanyumba yomwe walonjezedwa.

Zofunikira zina zimapatsidwanso malo okhala, motsogozedwa ndi chitetezo chomwe chikukonzekera kupereka ngongole:

1. ngati pali zokonzanso, zonsezi ziyenera kulembedwa, zomwe zimalembedwa;
2. Ndalama zogwiritsira ntchito ziyenera kubwezeredwa kwathunthu;
3. kuthekera kogwiritsa ntchito malowo pogona pang'ono - nyumbayo iyenera kupatsidwa magetsi, madzi ndi zotenthetsera;
4. nyumbayo sayenera kudzazidwa.

Ndikofunika kumvetsetsa kuti zofunika zina zimaperekedwa osati m'malo okhalamo okha, komanso kunyumba yomwe ili.

Nyumba yomwe ili ndi ngongole yanyumba ikuyenera kukwaniritsa izi:

• kuchuluka kwa nyumba pansi kuyenera kukhala osachepera asanu;
• nyumbayo siyikuchitika mwadzidzidzi, palibe chifukwa choti igwetsedwe kapena kumangidwanso, nyumbayo siyiyeneranso kukhazikitsidwa;
• chaka chomanga osati kale 1950th.

Chifukwa chake, kuwonjezera pazambiri zabwino, ngongole yanyumba yotetezedwa ndi katundu yemwe alipo kale ili ndi zovuta zingapo. Ndikofunikira kudziwa kuti ngati simungathe kubweza ngongole yanyumba pamwezi, mavuto akulu akhoza kubuka. Akuwuka chiopsezo chotayika adalonjeza kugulitsa malo. Itha kugulitsidwa.

Kuphatikiza apo, pali kuthekera kotayika kwa katundu yense wobwereka (ndiye kuti, ngakhale malo omwe adagulidwa ndi ndalama zobwerekedwa). Chifukwa chake, posankha kufunsira ngongole yanyumba, ndikofunikira kuti muwunikenso mozama solvency yanu. Izi ziyenera kuchitidwa posaganizira zomwe zikuchitika pano, komanso zomwe zingachitike mtsogolo, mpaka kumapeto kwa mgwirizano wa ngongole.

Funso 5. Kodi ndingapeze ngongole yanyumba yoti ndizigawana nawo m'nyumba?

Sikuti aliyense ali ndi ndalama zogulira osati nyumba yokhayokha, komanso gawo lake. Poterepa, zinthu zitha kuchitika ngati pakufunika kuti agule nawo malo okhala, ndipo palibe amene angakongoze ndalama. Zikatere, funso limabuka - ndizotheka kupeza ngongole makamaka kuti mugule gawo la nyumba.

Posachedwa, zochitika zikafunika kubweza ngongole osati nyumba yonse, koma makamaka mbali yake, zasiya kukhala zosiyana. Pakhoza kukhala zifukwa zambiri zomwe nzika ziyenera kugula gawo.

Kodi ndi pati pomwe ndingatenge ngongole yanyumba kuti ndigawane nawo nyumba?

Nthawi zambiri, ngongole yanyumba yopeza malo okhala ndi nyumba imaperekedwa munthawi izi:

• Achibale angapo akutali ali ndi ufulu kulandira cholowa. Nthawi yomweyo, palibe mwayi wokhala limodzi, ndipo sindikufuna kugulitsa nyumba yonse.
• Pakati pa chisudzulo, malowo adagawanika, koma m'modzi mwa okwatirana sakufuna kusiya kukhala m'malo abwino.

Zomwe zili pamwambazi ndizochitika zokha zomwe zimachitika nthawi zambiri. Komabe, moyo ndi wosayembekezereka, ndipo ndizosatheka kudziwa pasadakhale chifukwa chomwe zingafunikire kugula gawo m'nyumba.

Ndikofunika kulingalirakuti palibe mabungwe angongole ambiri okonzeka kubweza ngongole kuti agule nawo nyumba. Banki yotereyi ikapezeka, muyenera kukhala okonzeka kudziwa kuti zomwe zingachitike pakubweza ngongole zotere sizingakhale zokhulupirika mokwanira. Gawanani mitengo yanyumba ikhoza kukhala yokwera kwambiri. Nthawi zambiri amafikira 15% pachaka, ndipo nthawi zambiri.

Chifukwa chake, zidzakhala zovuta kukhala nyumba yokhayo yomwe nzika ili nayo gawo lokha. Muyenera kuyesetsa kwambiri ndikukhala ndi nthawi yochuluka kukwaniritsa cholinga chomwe mukufuna. Koma simuyenera kutaya mtima. Mwayi wopeza ngongole yanyumba, ngakhale ndi yaying'ono, ulipobe.

Zoyimira pangongole zogulira malo okhalamo zimakhazikitsidwa makamaka ndi zolinga zomwe wobwereka amachita.

Nthawi zambiri, pali mitundu iwiri ya ngongole zogulira gawo la nyumba:

1. Nzika ili ndi gawo lina la nyumba inayake. Nthawi yomweyo, akufuna kukhala mwini wathunthu. Zikatero, ngongole yanyumba imafunika kuti mugule gawo lomaliza la malowo.
2. Wobwereka yemwe akufuna kuti agule gawo (ngati chipinda) m'nyumba yomwe ilibe chochita. Poterepa, ntchitoyo ikamalizidwa, nzika zidzangokhala ndi gawo lina lokhalo la malowo.

M'zitsanzo ziwirizi, kupeza ngongole yanyumba kuti mumalize kugulitsa sikungakhale kophweka. koma Pachiyambi tengani ngongole yanyumba mwina zosavuta... Izi zikufotokozedwa ndi kusiyana kwa mulingo wangozi munthawi ziwiri. Pogula gawo lomaliza, banki itha kufunsa kuti panthawi yomwe ikupereka ngongoleyo ipereke chikole gawo la nyumba yomwe wopemphayo anali nayo kale.

Njira yachiwiri amatenga ngongole yampikisano wambiri popanda kupereka chitetezo. Zikatero, zingawoneke ngati zosakwanira kuti banki ipereke umboni wa solvency ngati chitsimikizo chobwereranso. Mabanki ambiri, akalembetsa ngongole yanyumba yoyamba, angafunike chitetezo chowonjezera... Zitha kukhala ngati katundu winaadalonjeza ndikukopa othandizira.

Tiyeni tione milandu yonseyi mwatsatanetsatane.

1. Kubwereketsa ngongole kuti mupeze gawo lomaliza

Ngati mungaganize zokhala ndi ngongole yanyumba kuti mugule gawo lomaliza mnyumba, muyenera kukhala okonzeka m'malingaliro kuti yenera ku kutsimikizira umwini gawo lomwe wopemphayo ali nalo kale.

Mwanjira ina, muyenera kutolera zikalata zomwe zingakuthandizeni kuzindikira kuti wobwerekayo ndi mwini wake wa malowo.

Kuphatikiza apo, muyenera kutsimikizira:

1. Zochitika pantchito m'malo omaliza. Izi zidzafunika buku la ntchito, wotsimikiziridwa ndi wolemba ntchito ndi umboni wofunikira kuti wobwereka akugwirabe ntchito. Nthawi yomweyo, malinga ndi zofunikira, moyo wothandizira m'malo omaliza uyenera kukhala osachepera 6 miyezi.
2. Kutha. Malipiro sayenera kukhala okhazikika, komanso ovomerezeka. Kukhalapo kwa gwero lopeza ndalama kumatsimikiziridwa satifiketi 2-NDFL kapena lolingana kulengeza... Ngati, pazifukwa zina, sikutheka kutsimikizira ndalamazo mokwanira ndi zikalatazi, mabungwe ena angongole amaloledwa kulemba lipoti la kubanki... Ndizachilengedwe kuti pakadali pano kudalira kasitomala kudzakhala kotsika.

Mwambiri, mabanki amabwereketsa gawo lomaliza mofunitsitsa kwambiri... Izi ndichifukwa choti pamapeto pake wopemphayo amakhala ndi zonse zomwe ali nazo.

Chiwopsezo chotsika cha mabanki chimapangitsa kuti pazomwe zanenedwa zikhale zokopa kwambiri.

Zina mwazofunikira za ngongole yachigawo chomaliza ndi izi:

• kuchuluka kwapakati pamlingo 16% mchaka;
• nthawi yayitali yamgwirizano ilipo 5-25 zaka;
• kupezeka kwa zolipira pansi pamlingo wa kuchokera 10% mtengo wa gawo logulidwa (nthawi zina, kupezeka kwake kumaloledwa).

Wobwereka ayenera kumvetsetsa kuti banki imufunsa kuti asalumbire kuti adzalandira malowa, koma malo onse okhala, kuphatikizapo kugunda komaliza... Mwanjira ina, nzika itangokhazikitsa nyumba yake yonse, itaya mwayi wowuchotsa mpaka ngongole itabwezedwa.

2. Kuwomboledwa kwa gawo limodzi

Zimakhala zovuta kwambiri kutenga ngongole yanyumba kuti mugule nawo gawo m'nyumba yomwe wobwerekayo sagwirizane nayo.Poterepa, malowo sadzakhala eni ake zonse zitatha.

Izi zimabweretsa Mabungwe angongole safuna kubweza ngongole kuti agawane... Ndiye chifukwa chake kuli kovuta kupeza banki yomwe ikulolera kupereka ngongole yogulira gawo linalake lomwe silili la wobwereka.

Ndikofunika kumvetsetsakuti kubwereketsa komwe kukuganiziridwa kumaphatikizapo kusamutsa chikole ku banki magawo okha nyumba. Zingakhale zosatheka kugulitsa ngati pangakhale mavuto ndikubweza ngongole. Ngakhale zitapambana, mtengowo sukhala wabwino.

Kuti atenge ngongole yanyumba yamtunduwu, wobwereketsayo ayenera kuyesetsa kwambiri. Choyamba, muyenera kuyesayesa banki kuti izisungunuka payokha. Padzakhala kofunikira kutsimikizira kuti pali mwayi weniweni wokwaniritsa ngongole zanu munthawi yake komanso mokwanira.

Banki imangoyitanitsa zinthu zazikulu osati kokha kwa wobwereketsayo, komanso pagawo lomwe wapeza.

Gawo lomwe likupezeka pamalowo liyenera kukwaniritsa izi:

• wangwiro chikhalidwe luso;
• mulingo wovomerezeka wamadzi;
• kutsatira kwathunthu miyezo yonse yaukadaulo;
• malo abwino mzindawo.

Ndikofunika kukumbukira kuti gawo limodzi lokhala ndi ngongole zanyumba kale osachepera 3% apamwambakuposa pomwe mumagula gawo lomaliza. Mwachilengedwe, ntchito yanthawi zonse, ndalama zomwe mumapeza pafupipafupi komanso mbiri yoyipa ya ngongole ndizovomerezeka pamikhalidwe yotere. Komanso, pangafunike chitetezo chowonjezera monga chikole cha katundu, zotsimikizika kapena kukopa Okhala nawo limodzi.

Chifukwa chake, mwayi wopeza ngongole yapa gawo limodzi ndi ochepa kwambiri. Koma adakalipo. Zowona, kuti mupange chisankho choyenera, kuyesayesa kwakukulu kuyenera kupangidwa.

Funso 6. Kodi ndi kubanki iti komwe kuli bwino kutenga ngongole yanyumba?

Wobwereketsa aliyense, posankha banki yanyumba, amasamala zochitika zosiyanasiyana zobwereketsa. Nthawi yomweyo, mawonekedwe osiyanasiyana ndiofunika kwambiri kwa nzika iliyonse.

Posankha pulogalamu yanyumba, nthawi zambiri amayerekezera:

• kuchuluka kwa zolipira pansi;
• chiwongola dzanja;
• kukhulupirika kwa wobwereka.

Komabe, sikuti aliyense ali ndi nthawi, mphamvu ndi chikhumbo chodziyimira payokha momwe zinthu ziliri kubanki m'mabanki osiyanasiyana. Apa ndipomwe mavoti a akatswiri atha kubwera mothandiza.

Kuwerengera tebulo lamabungwe angongole okhala ndi ngongole zabwino kwambiri zanyumba

Kuyendetsa ngongole	Dzina la pulogalamuyi	Voterani (mu% pachaka)	Kulipira pansi mu% ya mtengo wanyumba
Sobinbank	Katundu wanyumba	8,00 – 11,00	10,0
Banki Yolankhulana	Ngongole yanu	9,50 – 12,00	10,0
Sberbank	Dongosolo lothandizidwa ndi boma	13,00	15,0
Alfa Bank	Kwa nyumba zachiwiri	14,80	10,0
VTB 24	Ngongole yogulira nyumba kumsika wachiwiri	14,90	10,0

Funso 7. Kodi mungapeze bwanji ngongole yanyumba yanyumba ngati mbiri yanu yangongole yawonongeka?

Ku Russia, mpaka posachedwa, mabanki ambiri amapereka ngongole kwa ogula aliyense amene akufuna, osaganizira ngati wobwerekayo angabweze ngongoleyo.

Vutoli litayamba, nzika zambiri sizinakwaniritse udindo wawo. Zotsatira zake zidakhala zoyipa - ambiri obwereketsa adasokoneza mbiri yawo ya ngongole, m'mafayilo awo mudakhala zisonyezo zakuchedwa ndikukana kubweza.

Patapita nthawi, nzika zina zomwe zidawonongeka pazama ngongole zidafuna kutenga ngongole yanyumba. Komabe, akukumana ndi kukayikira kwamabanki kuti agwirizane nawo. Momwe mungakhalire motere? Kodi mukufunikiradi kusiya lingaliro logula nyumba yanu?

Zosankha zanyumba zokhala ndi mbiri yoyipa yangongole

M'malo mwake, simuyenera kutaya mtima. Ngakhale milandu yomwe mabanki angapo akana kupereka ngongole yanyumba, palibe chitsimikizo kuti chilolezo sichingapezeke mwa ena onse.

Lero kuchuluka kwa anthu ofuna kutenga ngongole yanyumba ikuchepaIzi zadzetsa chidziwitso chakuti mabanki ambiri (makamaka akumadera) akhala okhulupilika kwambiri kwa iwo omwe akufuna kutenga ngongole yanyumba. Nthawi zambiri amavomereza kunyalanyaza mbiri yakale ya ngongole.

Timalimbikitsanso kuti tiwerenge nkhani yathu yomwe mabanki sawunika mbiri ya obwereketsa, komwe mungapeze mndandanda wamabankiosayang'ana CI.

Palinso njira ina yothanirana ndi zovuta. – funani thandizo kuchokera osintha ngongole zanyumba... Ambiri mwa iwo ali ndi malumikizidwe awo ndi mabanki, ndizosavuta kwambiri kuti apeze chilolezo kwa makasitomala awo, ngakhale komwe mbiri ya ngongole yawonongeka mopanda chiyembekezo. Kuphatikiza apo, akatswiri odziwa zambiri pamsika wama brokera angalandire kuchotsera pamalipiro.

Sizovuta kupeza broker... M'mizinda yayikulu, pali makampani athunthu omwe amapereka chithandizo chamankhwala. M'matawuni ang'onoang'ono, mutha kulumikizana ndi kampani yotchuka yogulitsa nyumba. Ambiri aiwo ali ndi akatswiri oterewa pantchito yawo.

Mwachilengedwe, mudzayenera kulipira ntchito za broker. Komabe, ndalama zomwe zawonongedwa zidzaposa kulipira. Kupatula apo, athandizira kupulumutsa nthawi yochulukirapo, misempha ndi ndalama.

Chifukwa chake, kutenga ngongole yanyumba sikovuta monga momwe kumawonekera koyamba. Zowona, ndi chenjezo limodzi - ngati wobwereka ali ndi ndalama zovomerezeka zonse. Koma nthawi zina, mwakhama, mutha kukwaniritsa zomwe mukufuna.

Koma ziyenera kukumbukiridwa kuti sikungakhale kovuta kulipira ngongole yomwe mwalandira kwa zaka zopitilira khumi ndi ziwiri. Komabe PAMBUYO mphindi yomwe mgwirizano wasainidwa, ndikofunikira kusanthula mosamala luso lanu lazachuma. Nthawi zina, ndi bwino kuzengereza kubweza ngongole kwakanthawi kwakanthawi.

Pomaliza, tikukulimbikitsani kuti muwonere kanema wamomwe mungapezere ngongole yanyumba panokha, pomwe mumapereka malangizo atsatanetsatane, zofunikira pakufunsira ngongole zanyumba ndi maupangiri a newbies aperekedwa:

Mafunso kwa owerenga!

Kodi mutenga ngongole yanyumba kapena nyumba zina posachedwa? Kodi ndi banki iti yomwe mukuganiza kuti mungapeze ngongole yanyumba?

Tikufunira owerenga magazini azachuma "Ideas for Life" kuchita bwino pankhani zachuma, kulembetsa kosavuta komanso kosavuta kwa ngongole zanyumba, ndipo koposa zonse, kubweza mwachangu komanso kwapamwamba.