Momwe mungatengere ngongole (ngongole) yotetezedwa ndi malo ndi nyumba - magawo asanu opezera popanda chitsimikiziro cha ndalama + mabanki TOP-4 okhala bwino

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Moni kwa owerenga magazini ya Ideas for Life pa intaneti! Lero tikambirana za ngongole ndi ngongole zotetezedwa ndi malo ndi nyumba, komwe ndi momwe mungatengere ngongole zotetezedwa ndi malo ndi nyumba popanda umboni wa ndalama, ndipo ndi njira ziti zomwe zingapezere izi.

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

Mukawerenga nkhani yomwe yaperekedwa, mupeza kuti:

Zomwe malo ndi nyumba zitha kuvomerezedwa ngati chikole;
Kuwunika momwe banki imagwirira ntchito popereka ngongole yotetezedwa ndi malo ogulitsa;
Kodi njira zanji zopezera ngongole zotetezedwa ndi nyumba zogulitsa;
Ndi njira ziti zomwe muyenera kutsata kuti mutenge ngongole yokhazikitsidwa ndi malo ndi nyumba popanda umboni wa ndalama.

Komanso kumapeto kwa nkhaniyi, mwachizolowezi timayankha mafunso omwe amafunsidwa kawirikawiri.

Nkhani yomwe yaperekedwa ingathandize makamaka iwo omwe akufuna kupeza ngongole zotetezedwa ndi malo ndi nyumba. Kuti mukwereke ndalama mwachangu, musawononge nthawi, yambani kuwerenga tsopano!

Mwa njira, makampani otsatirawa amapereka zabwino kwambiri pangongole:

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

Tsopano tiyeni tibwerere kumutu wankhani yathuyi ndikupitiliza.

Mwa njira, makampani otsatirawa amapereka zabwino kwambiri pangongole:

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

Tsopano tiyeni tibwerere kumutu wankhani yathuyi ndikupitiliza.

Momwe mungatengere ngongole yotetezedwa ndi malo omwe alipo kale, komwe mungapeze ngongole ngati yopanda umboni wa ndalama, ndi njira ziti zopezera ngongole zotetezedwa ndi malo ndi nyumba zomwe zilipo - tidziwitsa m'magazini ino

1. Ngongole yotetezedwa ndi malo ndi nyumba: kukula, chiwongola dzanja ndi zofunika kwa obwereka 📃

Ndikosavuta kupeza ngongole yotetezedwa ndi malo kapena nyumba kuposa popanda kupereka chitetezo chilichonse. Mabanki nthawi zambiri amayesetsa kutsimikizira makasitomala awo kuti ngongole zoterezi ndizabwino kwambiri.

Komabe, izi siziri choncho, chifukwa zilipo chiopsezo chotaya katundu ngati muli ndi mavuto azachuma. Si onse obwerekera omwe ali okonzeka kusintha koteroko.

Ndicho chifukwa chake akatswiri amalangiza amatenga ngongole zotetezedwa ndi malo ndi nyumba pokhapokha ndalama zikafunika kwambiri, koma palibe njira ina yobweretsera.

Obwereketsa ayenera kumvetsetsa kuti chiopsezo chotaya malo ndi nyumba chimawonjezeka ⇑ ngati sangalumikizane ndi banki, koma malo ogulitsira, mabungwe azachuma kapena mabizinesi azinsinsi.

Kunja kwa gawo lamabanki, kubwereketsa nthawi zambiri kumatsagana ndi chinyengo... Zowukira zimagwiritsa ntchito zotsogola machenjerero, chifukwa chomwe obwereketsa ndalama nawonso amakhala m'malo ovuta.

Ngakhale zili choncho, mukamagwira ntchito ndi obwereketsa odalirika omwe ali ndi mbiri yosawonongeka, mutha kupeza maubwino angapo pangongole yotetezedwa ndi malo.

Mwa zabwino zazikulu (+) za ngongole zoterezi ndi izi:

nthawi yayitali yobwereketsa - nthawi zambiri zimadutsa 5 zaka ndipo amatha kufikira 20;
mlingo wotsika - pachikhalidwe ndizochepa 5%;
kuchuluka kwa ngongole - zimatengera mtengo wa malowo ndipo zimatha kufikira 30 miliyoni miliyoni;
kapangidwe kosavuta - palibe chifukwa chofotokozera zikalata zotsimikizira ndalama, komanso palinso mwayi wolandila ndalama ngakhale kwa iwo omwe adawonongeka ngongole.

Malo aliwonse amadzimadzi amadzimadzi amatha kukhala chikole. Izi zikutanthauza kuti payenera kukhala msika wogwira ntchito pazinthu zoperekedwa ngati chikole. Nthawi zambiri amatenga ngati chikole nyumba, nyumba, nyumba zazing'ono, nyumba zazing'ono za chilimwe, malo okhalapo... Kuphatikiza apo, mutha kupeza ndalama zotetezedwa malo ogulitsa.

Maganizo pazolonjezedwa zimadaliranso komwe amapezeka. Mwachitsanzo, nyumba yogona yomwe ili mdera ingalandiridwe ngati chitetezo, koma zofunikira pamenepo zimakhala zovuta kwambiri kuposa kugulitsa nyumba zamatauni.

Chinthu choterocho chiyenera kukhala choyenera, kukhala ndi kulumikizana kofunikira. Kuphatikiza apo, tsamba lomwe lamangidwa liyenera kukhazikitsidwa mwalamulo malinga ndi lamulo. Zofunikira izi zimafotokozedwa mwachidule - malo ndi nyumba ngati sanalandire ngongole ayenera kugulitsidwa mosavuta.

Obwereka sayenera kuganiza kuti obwereketsa akufuna njira yoti alandire katundu wawo panthawi yolembetsa ngongole. Chikolecho chimangotsimikizira kuti ngongolezo zibwezedwa munthawi yake komanso zonse.

Komabe, munthu ayenera kukumbukirakuti ochuluka achinyengo amagwiritsa ntchito msika wazachuma ku Russia. Cholinga chawo chachikulu ndendende nyamula katundu, yomwe wobwereka amaipereka ngati chikole.

Zachinyengo amabisalira mayina osiyanasiyana - osinthitsa ngongole, malo ogulitsira kapena makampani ogulitsa... Akugwiritsa ntchito mwayi woperewera komanso osaphunzira ndalama kwa makasitomala kuti azigwiritsa ntchito. Obwereketsa awa amakopa obwereketsa powapatsa zinthu zabwino kwambiri, kusowa kwa macheke, amalonjeza kuti apereka ndalama ngakhale kwa osagwira ntchito.

Pofuna kuti asagwere pamisampha ya anthu ochita zachinyengo, akatswiri amalangiza obwereketsa kuti ayang'ane mosamala makampani omwe akufuna kuchita nawo mgwirizano. Izi ndizowona makamaka kwa mabungwe omwe siabanki. Ayenera kufufuzidwa mosamala kwambiri, kuphatikizapo tsamba lawebusayiti IFTS (Oyang'anira Ntchito Zamsonkho ku Federal). Muthanso kugwiritsa ntchito thandizo la maloya, makamaka popeza lero mutha kuwapeza kudzera pa intaneti.

Wobwereka ayenera kumvetsetsakuti ndalama zofanana ndi mtengo wa malo sizingabwereke. Pachikhalidwe, ndalama zandalama sizipitilira 70% yamtengo wachinthu chobwezera. Chifukwa chake, obwereketsa akuyesera kudziteteza ku kutsika komwe kungachitike pamtengo wanyumba.

Ngakhale kuti ngongole zotetezedwa ndi malo ndi zowopsa ndizowopsa, pali zochitika zingapo momwe zingakhalire njira yokhayo yopezera ndalama.

Nthawi zambiri, kufunika kokongoletsa ngongole zogulitsidwa ndi malo kumakhalapo potsatira izi:

Kufunika kwa ndalama mwachangu. Zimachitika kuti ndalama zimafunika pano komanso pano. Nthawi yomweyo, palibe nthawi yokonzekera zikalata zina zowonjezera, kusaka okutsimikizirani ndikudikirira kutsimikizika. Ngongole zotetezedwa ndi malo ndi nyumba nthawi zambiri zimaperekedwa mwachangu ndi phukusi locheperako;
Kusowa ntchito.Masiku ano chiwerengero cha anthu omwe amagwira ntchito popanda buku la ntchito, komanso kudzera pa intaneti, chikuchulukirachulukira. Poterepa, kukongoza wokongoza ngongole kumatha kukhala kovuta. Malo ndi nyumba amakhala chitsimikizo chabwino chobweza ngongole yomwe adalandira;
Mbiri yoyipa ya ngongole. Zimatengera nthawi yochuluka kuti zikonzeke. Inde, zonsezi zimadalira kuopsa kwa vutolo, koma nthawi zambiri zimatenga miyezi kapena zaka. Pamaso pazobweza zabwino, obwereketsa ambiri (kuphatikiza mabanki) samanyalanyaza machimo mu mbiri ya ngongole. Osakhala mabanki samalabadira konse mbiri ya wobwereka konse. Tidalemba za momwe mungasinthire mbiri yanu yangongole koyambirira m'nkhani yathu.

Komabe, sizinthu zonse zomwe ndizoyenera kukhala chikole. Musanalembe fomu yofunsira, muyenera kuphunzira kuti ndi zinthu ziti zomwe zingavomerezedwe ngati chikole.

2. Ndi malo ati omwe angaalandiridwe ngati chikole mukamafunsira ngongole kubanki - 4 mitundu yayikulu 📑

Chikhalidwe chachikulu cha katundu yemwe akuganiziridwa posankha ngati chingalandiridwe ngati chikole ndi zamadzimadzi... Ndikofunika kuti agulitsidwe pamsika popanda zovuta ngati kuli kofunikira.

Osati zowonongeka zokha, komanso nyumba zapamwamba za banki kukana kuvomereza ngati chitetezo. Onsewa nthawi zambiri amaundana kwa nthawi yayitali poyesera kuwagulitsa.

Mabungwe angongole sakonda kupereka ngongole pazinthu izi:

malo ogona (zipinda zama hotelo);
nyumba ili mu nyumba ziwiri zosanja;
nyumba za nyumba zosanjika zisanu, zomwe zaka zake zimaposa 40 zaka;
malo omwe ali m'ma hostels;
zinthu zosatha;
malo osungira ndi malo opangira.

Ndizotheka kukonza ngongole yanyumba ina. Titha kusiyanitsidwa Mitundu 4amene amavomereza ngati chitetezo mosavuta.

Onani 1. Malo okhala okhalamo

Zipinda ndi nyumba zimalandiridwa posungitsa kokha komwe amatha kukhala komanso ali ndi zofunikira. Zomalizazi zimadziwika ngati zimbudzi, magetsi, ndi madzi. Kapangidwe kake kuyenera kukhala kogwirizana kwathunthu ndi mapulani aukadaulo omwe alipo.

Ndikoyenera kulingalira! Njira yosavuta ndikutenga ngongole yogona ndi nyumba yomwe yangomangidwa kumene yomwe yakhala ikugwiritsidwa ntchito bwino.

Ngongole yotetezedwa ndi malo ndi nyumba imaperekedwa ndi pafupifupi mabanki onse omwe amagwira ntchito ndi chikole. Zimakhala zovuta kuti mabungwe amenewa atenge ngongole yopezeka ndi gawo la malo (mwachitsanzo, ngati gawo la nyumba kapena chipinda chosiyana).

Onani 2. Nyumba zazing'ono za chilimwe ndi nyumba zazing'ono za chilimwe

Nyumba zazing'ono za chilimwe zitha kulandilidwanso ngati chitetezo. Komabe, si onse omwe angavomerezedwe ngati chikole. Kuti mulandire ndalama motsutsana ndi chitetezo cha dacha, chikuyenera kukhala chinthu choyenera kugulitsa nyumba.

Chifukwa chake, zofunika izi zimayikidwa mnyumba:

nyumbayi ili ndi maziko oyambira;
nyumbayo idamangidwa ndi zinthu zosagwira kutentha;
Kupanga zida zonse zamagetsi ndi magetsi.

Kuphatikiza pazofunikira nyumbayo, mabanki amapereka zofunikira zingapo pamunda womwe wamangidwapo.

Malo okonza nthaka ayenera kukwaniritsa izi:

nthaka ndiyakhazikika;
malowa amalembetsedwa malinga ndi lamulo ladziko;
zikalata zonse ndizatsopano;
malowa sapezeka paki kapena malo otetezera madzi.

Dacha iyenera kupezeka mdera lomwe muli ofesi ya banki momwe akukonzekera kupereka ngongole.

Zambiri pazokhudza ngongole zotetezedwa ndi nthaka patsamba lathu lapadera.

Onani 3. Nyumba yamatawuni kapena nyumba yokhala ndi chiwembu

Masiku ano nyumba zamatawuni zikuyamba kutchuka chifukwa mtengo wake ndi wotsika komanso kukonza ndiotsika mtengo. Nthawi zambiri, malo oterewa adangomangidwa posachedwa, pamalo abwino komanso okonzeka bwino. Zonsezi zimapangitsa kuti kupeza ngongole yopezeka ndi tawuni m'mabanki ambiri si ntchito.

Zofunika! Mabanki ndi nyumba zakale m'magulu azovomerezeka zimalandiridwa ngati chikole, koma ndizowakhwimitsa.

Zina mwazofunikira pazinthu zogulitsa malo ndi izi:

malo mkati mwa mzinda;
maziko a likulu;
denga lolimba;
malo okwanira.

Obwereketsa akuyenera kumvetsetsa kuti sizikhala zophweka kupeza ngongole ndi nyumba yomangidwa ndi matabwa. Komabe, ndizotheka kupeza mabanki akugwira ntchito ndi zinthu zoterezi.

Onani 4. Zinthu zogulitsa malo

Osangokhala nyumba zokhazokha, komanso malo ogulitsa amatha kuperekedwa ngati chikole cha ngongole. Poterepa, zimawerengedwa kuti ndizabwino masitolo, misika yokutidwa, malo operekera chakudya... Zinthu zoterezi ndizodziwika bwino.

Komabe, ziyenera kumveka kuti pozindikira kukula kwa ngongole, phindu la malo ndi nyumba limakhazikitsidwa otsika kwambiri ↓kuposa msika. Kuphatikiza apo, wobwereka ayenera kukhala ndi zikalata zonse zotsimikizira umwini wa malonda.

Poyesera kulipira ngongole yotetezedwa ndi nyumba yosungiramo katundu ndipo mafakitale malo eni ake nthawi zambiri amakumana ndi zovuta. Kupeza banki yomwe ingapereke ndalama pobweza chonchi kungakhale kovuta. Ngakhale zitakhala zotheka kupeza wobwereketsa woyenera, malowo adzaganiziridwa mosamalitsa.

Chifukwa chake, ndizotheka kutenga ngongole yotetezedwa ndi malo ndi nyumba. chinthu chachikulu - sankhani zinthu zopanda madzi ngati chikole.

Zomwe banki imasamala popereka ngongole yotetezedwa ndi malo ogulitsa ndi anthu ndi mabungwe azovomerezeka - zambiri pamunsipa

3. Ndi njira ziti zomwe banki imasanthula ikapereka ngongole yotetezedwa ndi malo ogulitsa - 5 njira zazikulu 📊

Kwa mabanki, kupeza ngongole zotetezedwa ndi malo ogulitsa ndi njira yodalirika kwambiri yamabizinesi.

Nthawi ndi kuchuluka kwa mapulogalamu oterewa ndizazikulu kwambiri. Kwa wobwereketsa, izi zikutanthauza ndalama zambiri. Nthawi yomweyo, chifukwa chopezeka ndi ziboda zapamwamba, chiwopsezo chimachepa kwambiri.

Ndikoyenera kulingalira! Pazogulitsa malo mpaka pomwe ngongole yonse ibwezedwe zovuta... Mwiniwake sangathe kuyisamutsira kwa wina aliyense mwanjira iliyonse. Wokongoza akakana kukwaniritsa zomwe ali nazo, wobweza ngongole kudzera kukhothi amulanda chinthu chomwe walonjeza.

Kuti agwiritse ntchito mwayi wopereka ndalama motsutsana ndi chitetezo cha katundu wogulitsa malo, mabanki amafufuza.

Choyamba, wobwereketsa amawunika izi:

kusungunuka kwa wofunsayo;
mtengo wa katundu wamalonda;
zamadzimadzi;
chikhalidwe cha malo ndi nyumba;
kufunika kwa chikole kwa wobwereka.

Kuphatikiza apo, zomwe zatchulidwazi zilingaliridwa mwatsatanetsatane.

Muyeso 1. Kutha kwa wobwereka

Pachitetezo cha malo ogulitsa, ngongole kubanki itha kupezeka ngati thupindipo mabungwe azovomerezeka... Kuwunika kwa mayikidwe a magulu awa obwereketsa kumachitika m'njira zosiyanasiyana.

Pakuwunika kudalirika kwa mabungwe azovomerezeka, banki imasanthula izi:

Zotsatira zachuma zamabungwe. Nthawi yomweyo, ndalama, maakaunti olandilidwa, kupezeka kwa ngongole zazifupi komanso zazitali, komanso kufunika kwake. Banki imasanthula ndalama zakampani kuti ipeze kupezeka kapena kupezeka kwa zizindikilo zakukhozakuwonongeka mtsogolo... Mabungwe omwe amapeza zikwangwani zofananira sangaperekedwe ngongole. Izi zikufotokozedwa ndikuti chuma chamakampani otere nthawi zambiri sichokwanira kukwaniritsa zonena za omwe amabweza ngongole.
Kuchuluka kwa ndalama zomwe zimapezeka pamaakaunti. Poterepa, siibwezerani tsiku linalake lomwe limayesedwa, koma ndalama zomwe zimasungidwa mumaakaunthawi kwakanthawi. Zofunika fufuzani kuchuluka kwa ndalama zomwe kampaniyo imakhala nayo kumapeto kwa nthawi yopanga komanso ngati zolipira ngongole zanyengo zonse sizikhala ndi vuto ndi ndalama. Ngati ndalamazi sizikwanira, pakapita nthawi, kubweza ngongolezo kumatha kubweretsa kuchepa ↓ likulu logwira ntchito... Izi zitha kubweretsa kuwonjezeka kwa ↑ mwayi wa bankirapuse.

Poyesa kusungulumwa kwa munthu, izi zimasanthulidwa:

Chiŵerengero cha ndalama ndi ndalama za wopemphayo. Ikuwunikanso kuchuluka kwa ngongolekuti kasitomala akufuna kulandira ndi kuchuluka kwa zolipira pamwezi... Pachifukwa ichi, ndalama zonse mokakamizidwa zimachotsedwa pamalipiro amwezi omwe angabwereke. Bwaloli limafaniziridwa ndi kuchuluka kwa ndalama zomwe akuyembekezeredwa kubweza ngongole. Ngati ipitirira 30% ndalama zotsala, banki ikana kupereka ngongole.
Zaka za wofunsira. Chizindikiro ichi chimakhudza nthawi yayitali yomwe ingakhale ngongole. Mabanki ali ndi ufulu kudziyimira pawokha zaka zomwe amapereka ngongole. Nthawi zambiri, wopemphayo sayenera kukhala wamkulu 65 zaka. Ena obwereketsa amagwiritsanso ntchito malire azaka. Pansi pobwereketsa, ngati wobwereketsa wazaka zopitilira zaka zingapo, ngongole imaperekedwa mosavomerezeka.
Mbiri ya mbiri. Ngakhale kuti maofesi obwereketsa ndalama atolera zambiri zambiri za obwereka, si mabanki onse omwe amagwiritsa ntchito izi. Nthawi zambiri izi zimagwira ntchito ku ngongole za ogula... Kwa makasitomala ngakhale pakakhala ziphuphu m'mabungwe ena angongole, nthawi zambiri zimakhala zotheka kubwereka ndalama kwa ena. Ngongole ikatetezedwa ndi malo ogulitsa, mbiri ya obwereketsa siyokhwima kwenikweni.

Muyeso 2. Mtengo wa malo ogulitsa

Gawo lotsatira la kusanthula ndikuwunika kwa mtengo wamalo ogulitsa, omwe akuyenera kugwiritsidwa ntchito ngati chikole.

Mabanki akulu apereka izi ogwira ntchito payekha.

M'mabungwe angongole ang'onoang'ono, sapatsidwa boma, chifukwa chake, kuti athe kuwunika malo ogulitsa, wobwereka ayenera kulumikizana ndi anthu akatswiri odziyimira pawokha.

Ndikoyenera kulingalira! Banki nthawi zambiri imapatsa kasitomala mndandanda wamakampani omwe angasankhe. Ngati mungalumikizane ndi bungwe lomwe lili pamndandandandawu, kumaliza kwa kuwunikaku kudzachitika posachedwa.

Nthawi yomwe wobwereketsa aganiza zogwiritsa ntchito wowunikira, yemwe banki idachita naye kale ayi Kugwirizana, ogwira ntchito kwa wobwereketsayo amayenera kuwunika bwino kampaniyo.

Mukayang'ana bungwe lomwe limawunika phindu lazogulitsa malo, zotsatirazi zimawerengedwa:

ndizovomerezeka bwanji pakuwunika malo ogulitsa;
kampaniyo ili ndi inshuwaransi;
Kutalika kwa ntchito, komanso mulingo woyenerera waomwe akuwunika.

Kusanthula kotereku kumawononga nthawi. Ndiyenera kudikira kuyambira masiku angapo mpaka milungu ingapo.

Zofunika! Kutalika kwa njirayi kudzakhala kokwanira, ngati ngongole ikukonzedwa ku nthambi ya ngongole, popeza ofesi yayikulu nthawi zambiri imakhala ndiudindo wofufuza wowunikira. Chifukwa chake, wofunsira ngongole ayenera kuyembekezera kuyanjana koyenera pakati pa magawowa.

Kutengera mtundu wa kampani yomwe yasankhidwa, zotsatira zowerengera mtengo wamalonda zimasiyana. Nthawi yomweyo, kumakhala kopindulitsa kwa wobwereka kuti kuwerengetsa kwake kuli kwakukulu. Izi ndichifukwa choti mtengo wake umapangidwa mawerengedwe a ngongole yomwe ingakhalepo... Wofuna chithandizo sadzaperekedwanso 70-80% mtengo woyerekeza.

Mwachilengedwe, obwereketsa amadziwa kuti zotsatira za kusanthula kwa owunikira zimasiyana. Ichi ndichifukwa chake nthawi zambiri amapatsa obwereka mndandanda wa makampani. Chifukwa cha izi, mabanki akhoza kukhala otsimikiza kuti mtengo wazobwezera sukwezedwa.

Wobwereketsa ayenera kumvetsetsa kuti ngati kukokomeza kwakopanda ndalama kuwululidwa, banki nthawi zambiri imakana kupereka ndalama. Nthawi zina (ngati malo ogulitsa ali ndi chidwi kwa wobwereketsayo), amawonjezera kuchotsera ndikukongoletsa za 60% mtengo wofotokozedwa.

Muyeso 3. Kuchuluka kwa katundu wamalonda

Zamadzimadzi ndichimodzi mwazinthu zofunikira kwambiri kuwunika malo ogulitsa.

Zamadzimadzi ndi kuthekera kwa chikole kuti chisanduke ndalama mwachangu komanso popanda kutayika. Chifukwa chake, kukwezeka kwa chizindikirochi, ndikokwera mtengo komanso mwachangu kudzakhala kotheka kugulitsa malo, ngati kuli kofunikira, komanso mosemphanitsa.

Mabanki amayesetsa kuti asalumikizane ndi zinthu zomwe zili nazo otsika, ndi kuchuluka kwamadzi... Kuwagulitsa pamtengo wotsika kumatha kukhala kopusitsa. Izi zikutanthauza kuti banki sangagwiritse ntchito ndalama zake kwa nthawi yayitali.

Poganiza zopereka ngongole yotetezedwa ndi malo ogulitsa ndi ndalama zochepa, wobwereketsayo amakhala pachiwopsezo china.

MWACHITSANZO, wobwereka mtsogolo sangathe kugulitsa malo ake kwa nthawi yayitali. Amatembenukira kwa wowunika mtengo yemwe amalimbikitsa phindu la malowo. Pambuyo pake, ngongole imaperekedwa motsutsana ndi bail yake, yomwe palibe amene adzabweze.

Zotsatira zake - banki imasiyidwa yopanda ndalama ndi malo ndi nyumba zomwe palibe amene amafunikira... Pofuna kupewa izi, malingaliro a wopimitsidwayo amayang'aniridwa mosamala ndi achitetezo, komanso dipatimenti yolonjeza.

Muyeso 4. Momwe malowo alili

Ku banki, kuwonjezera pazomwe tafotokozazi, ndikofunikira kuwunika momwe zinthu zilili ndi malonda, komanso kuthekera kogwiritsa ntchito popanda ndalama zina. Pachifukwa ichi, otchedwa Kulemba mwaluso.

Zolemba pamaluso zimaphatikizapo kuphunzira izi:

chaka chomanga nyumba yomwe ili ndi malonda;
nthawi yotsalira mpaka kumapeto kwa ntchito yomanga nyumbayo;
malo enieni;
Kutsata zomwe zafotokozedwazo ndizowona.

Kuphatikiza apo, ngati malowo atha kugwiritsidwa ntchito popanda cholinga chowonjezera, chidwi cha wobwereka m'maso mwa wobwereketsacho chimakhala chachikulu. Izi ndichifukwa chakulandila ndalama kuchokera pakugwirira ntchito nyumbayo.

Muyeso 5. Kufunika kwa malo kwa wobwereka adalonjeza

Kufunika kwa chinthu chogulitsa malo kwa wobwereka kumatsimikizira kuchuluka kwa zomwe adzakhazikitsidwe panthawi ndi zonse kuti akwaniritse udindo wake.

Ngati nyumbayo ndi gawo la bungwe, imakhala yofunikira pochita mafakitale, chinthu ichi chipanga kusiyana kwakukulu kwa mwini wake. Kufunika kogulitsa malo ndi nyumba kumatha kuopseza ndi kuyimitsidwa pakupanga ndikuwonongeka kwakukulu.

Poyerekeza ndi madera ena omwe akuchita nawo kampaniyi, maholo opangira ndiofunikira kwambiri. Nthawi yomweyo nkhokwe ndipo malo ogulitsira kutaya sikowopsa kwenikweni, chifukwa amatha kubwereka mosavuta. Ichi ndichifukwa chake kufunikira kwa malonda ndi malonda ndikotsika kwambiri.

Pakuwunika kufunikira kwakugulitsa malo kwa anthu, kuthekera kokuwachotsera kuti apange ndalama kumaganiziridwa. Nthawi zambiri, anthu amakhala ndi maofesi ang'onoang'ono komanso malo ogulitsira omwe ali pansi pa nyumba zogona.

Ngati malowo abwereketsedwa, titha kukambirana zakufunika kwakukulu kwa chinthu chotere kwa wobwereka. Kupatula apo, amalandira ndalama kuchokera pamenepo ndipo sangayerekeze kuti atayikiridwa.
Ngati palibe anyantchoche, ndipo malowa amafuna kukonzedwa bwino, kapena zofunikira za oyang'anira zikuphwanyidwa, kufunikako kudzakhala kotsika kwambiri. Ngati kufunikako ndikotsika, chiwopsezo choti wobwereka sangabwezere ngongole mokhulupirika chimakula. Zotsatira zake ndi kuleka popempha kapena kuonjezera ↑ kuchotsera banki.

Chifukwa chake, ndizotheka kupeza ndalama zotetezedwa ndi malo ogulitsa. Komabe, ziyenera kukumbukiridwa kuti muyenera kupirira kuwunika kovuta.

Zosankha pakupeza ngongole zotetezedwa ndi malo ndi nyumba

4. Njira zotsimikizika zopezera ngongole (ngongole) yotetezedwa ndi malo ogulitsa nyumba - TOP-3 njira zabwino kwambiri 📋

Kupeza ndalama zotetezedwa ndi malo ndi nyumba nthawi zambiri kumakhala kosavuta kuposa kusapereka chitetezo. Musanalembe, ndikofunikira kuti muphunzire njira zomwe mungapezere ngongole yotetezedwa. Pansipa pali njira zomwe mungagwiritse ntchito kuti mupeze ndalama.

Zosankha 1. Ngongole ya kubanki

Kukonza ngongole m'mabungwe amabanki ndiye njira yotetezeka kwambiri. Kumbali imodzi, mabungwe akuluakulu obwereketsa ngongole amakhala ndi zofunika kwambiri kwa wobwereka ndi chikole. Komabe, mabanki akulu amatsimikizira chitetezo cha malo ndi nyumba. Kuti tichite izi, ndikwanira kuti tikwaniritse zomwe takwaniritsa munthawi yake komanso mokwanira.

Tidalemba mu limodzi la zofalitsa zathu kuti ndi banki iti yomwe imayenera kutenga ngongole.

Zina mwazomwe mabanki amakakamiza obwereka ndi izi:

Zaka osachepera 21 za chaka ndipo osatinso 65 zaka.Mabanki ena amasintha malire. Kotero, Sovcombank imalandira ntchito kuchokera kwa anthu ochepera zaka 85 zaka.
Kulembetsa kwamuyaya. Nthawi zambiri lamulo limakhazikitsidwa - sitampu mu pasipoti iyenera kukhala osachepera miyezi isanu ndi umodzi.
Ntchito akuyenera kukhala ovomerezeka.
Kuchuluka kwa ndalama. Ndikofunikira kuti kuchuluka kwa ndalama sikuchepera 2 nthawi zopitilira zolipiridwa pamwezi. Osati mabanki onse amafuna umboni wazamalipiro.

Ngongole m'mabungwe omwe akuyang'aniridwa ndizitali Kutalika kwakukulu... Ikhoza kufikira 25 zaka.

Nthawi yonseyi, wobwereka ali ndi ufulu wogwiritsa ntchito malowo pazolinga zake. Chokhacho ndichakuti sangathe kuzitaya mwanzeru zake. Mwanjira ina, malo ndi nyumba sangathe kugulitsidwa, kuperekedwa kapena kusinthana mpaka ngongole yonse ithe.

Chosankha 2. Ngongole yochokera kubungwe lazachuma

Mabungwe azachuma (MFOs) ali ndi zofunikirako zochepa kwa makasitomala, komanso kugulitsa nyumba.

Ndiye chifukwa chake otenga ngongolewo amafikiridwa ndi iwo omwe sangatsimikizire ndalama zawo. Komanso, ma MIs nthawi zambiri amakhala njira yokhayo yothetsera iwo omwe mbiri yawo yangongole idawonongeka kale. Takambirana kale za momwe ndi komwe mungapezere ngongole ndi mbiri yoyipa ya ngongole munkhani yapadera.

Pali maubwino ena amabungwe azachuma:

mutha kulandira gawo loyamba la ndalamazo patsiku logwiritsa ntchito;
mutha kutenga ngongole yanyumba yomwe mabanki savomereza - yomwe ili m'malo osatchuka, pansi ndi komaliza;
kugwiritsa ntchito molakwika ndalama;
ndandanda wolipirira wosinthasintha.

Ngakhale zabwino zake, ma MFIs amakhalanso ndi zovuta.

Zoyipa za ngongole kubungwe lazachuma zimaphatikizapo:

m'masiku ochepa patsogolo;
kuchuluka kwambiri;
chiopsezo chotaya katundu ndichokwera kuposa kubwereka kubanki.

Njira 3. Ngongole yochokera kwa munthu wamba (ngongole yabizinesi yotetezedwa ndi malo ndi nyumba)

Ngati mabanki ndi mabungwe azachuma akukana kupereka ngongole, ndizomveka kutembenukira kwa omwe amagulitsa ndalama zawo. Anthu oterewa amapereka ndalama motsutsana ndi chitetezo popanda zovuta. nyumba, ofesi ndi malo osungira, malo... Komabe, samachita palibe macheke ndipo safuna kutchulidwa kulikonse.

Zoyipa zakubwereketsa kudzera mwa ochita malonda ndi:

nthawi yocheperako yobwezeredwa;
kuchuluka kwakukulu;
pali chiopsezo chachikulu chokumana ndi achinyengo pakati pa omwe amabweza ngongole.

Wobwereka atakumana ndi chinyengo, amaika pachiwopsezo kuti asalandire ndalama ndikuwonongedwa. Ichi ndichifukwa chake osunga ndalama payekha ayenera kusankhidwa mosamala kwambiri. Mutha kufunafuna thandizo kuchokera amalonda... Komabe, pali ambiri ochita zachinyengo pantchito pano. Timalimbikitsa kuwerenga nkhani yathu yokhudza ngongole zachinsinsi.

Kotero pali 3 njira yayikulu yopezera ngongole yotetezedwa ndi malo ndi nyumba. Aliyense wa iwo ali ndi zabwino zake ndi zovuta zake.

Ndikofunikira pagawo loti musankhe ngongole kuti muphunzire ma nuances onse kuti musankhe njira yabwino kwambiri.

Magawo akulu oti mupeze ngongole yotetezedwa ndi malo ndi nyumba

5. Momwe mungapezere ngongole yotetezedwa ndi malo ogulitsa kubanki - magawo akulu 5 📝

Ambiri obwereketsa, posankha kuti atenge ngongole yanyumba, sakudziwa koyambira. Amaganiza kuti njirayi ndi yayitali komanso yovuta.

Komabe, ngati mutsatira malangizopansipa zithandiza kuti ntchitoyi ikhale yosavuta. Otsatirawa ndi njira zazikulu zomwe muyenera kutsata.

Gawo 1. Kusankha banki

Mukamasankha banki, muyenera kupeza malo odalirika. Ngakhale itagwa, wobwereka apitiliza kulipira ngongoleyo. Koma uyenera kusamutsa ndalama kupita ku bungwe lina. Izi zitha kubweretsa zovuta zosafunikira. Chifukwa chake, kusankha wobwereketsa kuyenera kufikiridwa moyenera.

Kuti mupeze banki yabwino kwambiri, ndikofunikira kulabadira magawo awa:

Zizindikiro zogwirira ntchito zachuma. Mabanki odalirika nthawi zonse amasindikiza zidziwitso pagulu;
Kuvomerezeka mumsika wachuma waku Russia. Momwemo, ziyenera kupitilira 15 zaka;
Mavoti.Ndikofunikira kuwunika kuwunika kwa mabungwe akatswiri;
Ndemanga.Ndikofunika kudalira ndemanga zodziyimira pawokha. Muthanso kugwiritsa ntchito malingaliro a okondedwa.

Pofuna kuti chisankho chanu chikhale chosavuta, mutha kugwiritsa ntchito ntchito zodziyerekeza nokha kubanki. Ku Russia, chuma chili ndi ulamuliro waukulu kwambiri Banks.ru ndipo Yerekezerani.ru.

Ngati mukufuna banki inayake, muyenera kuwerenga zankhaniyi. Kusintha kwa umwini, komanso kusamutsa katundu, si nthawi yabwino yofunsira ngongole kubanki yosankhidwa.

Gawo 2. Kukonzekera phukusi la zikalata

Ndikofunikira kukonzekera zikalata zoyambirira pasadakhale, ngakhale musanalankhule ndi banki. Wobwereketsa aliyense amapanga mndandanda wazachitetezo chofunikira. Komabe, pali mndandanda wazolemba zomwe mabanki onse amafuna.

Zolemba zotsatirazi za wobwereka nthawi zambiri zimafunika:

pasipoti ya nzika ya Russian Federation;
chikalata chachiwiri;
kopi ya mgwirizano wantchito kapena buku lolembera ntchito;
lipoti la ndalama (atha kulandira chiphaso pa kirediti kadi);
kwa achinyamata azaka zosakakamizidwa - ID yankhondo;
kwa opuma pantchito - satifiketi ya penshoni.

Kuti mulandire ndalama zotetezedwa ndi malo, mudzafunikiranso zikalata pachinthu ichi.

Pachikhalidwe, zikalata zogulitsa nyumba zimafunika:

chikalata chotsimikizira umwini;
satifiketi yaukadaulo;
zikalata za mgwirizano - mgwirizano wogulitsa ndi kugula, zopereka, cholowa ndi zina;
chikalata chotsimikizira kuti palibe kumangidwa, kusamvana komanso zoletsa zina pazochita ndi malo;
ngati pali wokwatirana - chilolezo chake chokhala ndi malo kapena nyumba.

Zolemba zina zitha kufunidwa, mwachitsanzo, Kuchokera m'buku la nyumba kapena satifiketi yakusowa kwa ngongole pazolipira.

Gawo 3. Kuyendera ndikuwunika malo

Akatswiri amalangiza kuyitanitsa kuwunika nyumba ndi nyumba pasadakhale. Koma ziyenera kukumbukiridwa kuti lingaliro la wowerengera silidapitilira miyezi isanu ndi umodzi.

Ndikoyenera kulingalira! Wobwereketsa akapanda kuyitanitsa kuti adziwe momwe angayendetsere katundu wake, banki imatha kuwerengera mtengo wake. Poterepa, pamwamba chiopsezo chotsutsa mtengo woyesedwa.

Komabe, wogwira ntchito kubungwe lobwereketsa amayang'ananso malowo. Ngati apeza chifukwa chopeza cholakwika ndi china chake, achichitadi ndikuchepetsa mtengo woyesedwa.

Gawo 4. Kusainirana mgwirizano ndikupeza ngongole

Kusainirana kwa pangano la ngongole ndiye gawo lovuta kwambiri polembetsa. Ndikofunika kuti musaiwale kuti chikalatachi chikuyenera kusanthulidwa bwino zisadachitike.

Sikuti nthawi zonse mabanki amafunitsitsa kuti abwereke kwa wobwereketsa zabwino zonse za mgwirizano. Nthawi zambiri amapanga ndalama poti makasitomala sangazindikire zina mwanjira yobwereketsa.

Ichi ndichifukwa chake mgwirizano uyenera kuwerengedwa mosamala momwe zingathere... Ndikofunika kuchita izi m'malo omasuka, mothandizidwa ndi loya waluso.

Mukamaphunzira mgwirizano, ndikofunikira kulabadira mfundo izi:

kukula kwa mlingo wogwira ntchito;
kupezeka ndi kuchuluka kwa mabungwe osiyanasiyana pantchito zosiyanasiyana;
zowerengera komanso kuchuluka kwa chiwongola dzanja ndi chindapusa;
ndi ufulu wanji wa wobwereka monga mwini chikole.

Saina ikayikidwa, imatsalira kuti izilandira ndalamazo. Posachedwa, samapatsidwa ndalama kawirikawiri (makamaka zambiri). Nthawi zambiri mabanki amagwiritsidwa ntchito kupereka ngongole makhadi akubanki kapena nkhani.

Gawo 5. Kulipira ngongole

Gawo lomaliza la kubwereketsa ndi nyumba ndi ngongole kwa wobwereka ndikubweza ngongoleyo. Mabanki nthawi zambiri amapatsa makasitomala njira zingapo zolipirira.

Iyenera kukumbukiridwa zomwe mungasankhe pakubweza ngongole kulipiritsa ntchito... Chifukwa chake, ndikofunikira kudziwa pasadakhale njira yolipirira yomwe ingakhale yabwino kwambiri komanso yopindulitsa.

Mabanki ambiri amapereka ndalama kudzera pa intaneti... Njirayi nthawi zambiri imakhala yovomerezeka kwambiri.

Chifukwa chake, sizovuta kupeza ngongole kubanki. Ndikokwanira kutsatira mosamalitsa malangizo omwe aperekedwa.

6. Komwe mungapeze ngongole yokhazikika ndi nyumba zogulitsa - TOP-4 mabanki odziwika 💰

Sikoyenera kulonjeza kugulitsa nyumba kuti mupeze ngongole kubanki. Ngati ndalamazo ndizochepa, ndibwino kuyesa kupeza ngongole ya ogula kapena kiredi... Kufotokozedwa pansipa Mabanki a 4, omwe ndi otchuka kwambiri pakati pa obwereketsa.

1) VTB Bank yaku Moscow

Ngongole iyi ndi m'modzi mwa atsogoleri pamsika wazachuma ku Russia. Apa mutha kupeza ndalama, ponse pa bail komanso popanda izo. Kuphatikiza apo, ndizotheka kupeza ngongole yanyumba, yomwe imasungidwa ndi nyumba yomwe mudagula.

Ku VTB Bank of Moscow, mtengo umayamba kuchokera ku 14.9% pachaka... Anthu ogwira ntchito yothandiza anthu, komanso omwe amapereka ndalama kumalipiro, amatha kudalira kuchotsera ndi maubwino osiyanasiyana. Kutalika komwe mungatenge 3 miliyoni miliyoni.

Pakakhala zovuta, obwerekera ali ndi ufulu kutero maholide a ngongole... Poterepa, mutha kupeza ndalama zochotseredwa za 1-2 miyezi yopanda zovuta.

Ntchito yofunsira ngongole kubanki yomwe ikufunsidwa ikhoza kutumizidwa osachoka kwanu, kudzera pa intaneti. Poterepa, zotsatirazi sizidziwika kupitilira 15 mphindi.

2) Sovcombank

Ku banki iyi, makasitomala amalandila momwe angakongoletse ndalama. Kuphatikiza apo, gawo lapadera la bungweli ndi kukhulupirika kwake kwa opuma pantchito, omwe si mabungwe onse angongole omwe angadzitamande.

Ngati mukufuna kutenga ngongole ku Sovcombank, kutsimikizika kwa ndalama sikofunikira. Komabe, pakalibe chikalata cha malipiro, chiwongola dzanja chowonjezeka pa ngongole chidzagwira ntchito.

Mukafunsira ngongole yotetezedwa ndi malo ndi nyumba, apa mutha kupeza kuchokera 300 000 kale 30 000 000 Ma ruble... Koma banki siperekanso 60% yamtengo woyesedwa ndi chinthu chomwe chidalonjezedwa. Mlingo ku Sovcombank uyamba kuchokera 18.9% pachaka.

3) Renaissance Mawu

Nayi njira yachangu kwambiri yotulutsira kiredi. Ndiwothandiza ngati mungafune ndalama zochepa. Malire a ngongole atha kukhala mpaka 200 000 Ma ruble... Banki siyitanitsa ntchito kuti ipangidwe ndikukonzanso.

Kuti mulembetse, mutha kuchezera tsamba la webusayiti Mbiri Yachikulire... Zimangotenga mphindi zochepa kuti mudzaze mafunso amafupikitsa. M'maola ochepa, banki iwona ntchitoyo ndikulengeza zakusankha kwake. Ngati zikuwoneka kuti ndi zabwino, zimatsalira kukachezera ofesi yakubanki ndikupeza kirediti kadi.

4) Alfa-Bank

Apa mutha kupeza ngongole yosatetezedwa kapena ngongole yotetezedwa ndi malo ndi nyumba. Komabe, odziwika kwambiri pakati pa makasitomala a Alfa-Bank ndi kiredi.

Malire azinthu zomwe akufunsazo amatha kufikira 750 000 Ma ruble... Alfa-Bank imapereka nthawi yayitali kwambiri yachifundo poyerekeza ndi makhadi ochokera kumabanki ena. Ngati mutha kubweza ngongole mkati 100 masiku, chiwongola dzanja sichidzaperekedwa.

Pazobwereketsa ogula, obwereketsa omwe amalandila malipiro pa khadi la Alfa-Bank akhoza kudalira mawu osankha. Poterepa, mulingo wake udzakhala pafupifupi 3-5% mu chaka pansipa.

Kusankha kwa mabanki kuti apeze ngongole lero ndi kwakukulu. Kuti musasokonezeke, mutha kugwiritsa ntchito kuwerengera kwa akatswiri kuti musankhe wobwereketsa wabwino kwambiri.

Kuti titha kuzindikira mosavuta, tafotokoza mwachidule mawu obwereketsa m'mabungwe omwe takambirana pamwambapa.

**Mabanki apamwamba-4 ndi momwe ngongole zawo ziliri:**
№	Banki	Zolemba malire kuchuluka	Voterani	Makongoletsedwe
1	VTB Bank of Moscow	3 miliyoni rubles	Kuchokera ku 14.90% pachaka	Wobwereka ali ndi ufulu wosankha tsiku lomwe adzalipire mwezi uliwonse
2	*Sovcombank*	Ma ruble 30 miliyoni	Kuchokera 18.90% pachaka	Nyumba, nyumba za anthu, minda zimalandiridwa ngati chikole
3	*Mbiri Yachikulire*	Pa kirediti kadi - 200 zikwi za ruble, pa ngongole ya ogula - 700,000 ruble	Kuchokera 13.9% pachaka	Pali mapulogalamu ambiri angongole, kuphatikiza makhadi, ngongole kwa omwe apuma pantchito
4	Alfa Bank	Pa ngongole ya ogula - 3 miliyoni ruble, pa khadi - 750,000 rubles	Kuchokera ku 14.90% pachaka	Njira zambiri zolipirira zomwe zilipo

Zoyenera kuchita pangongole zotetezedwa ndi malo ndi nyumba popanda umboni wa ndalama ndi ntchito

7. Ndingatani kuti ndikhale ndi ngongole yopezeka ndi nyumba zogulitsa popanda umboni wa ndalama - momwe mabanki alili ndi zikalata zofunika 💎

Mwayi wopeza ngongole popanda chitsimikiziro cha ndalama zotetezedwa ndi malo ndiwokwera kuposa posowa chikole. Izi ndichifukwa choti chiwopsezo cha wobwereketsa chimakhala ndi inshuwaransi ndi malo ofunikira.

Mukamapempha ngongole, malamulo ena amagwiritsidwa ntchito. Ngakhale banki iliyonse imawakhazikitsa mwawokha, onse amagwiritsa ntchito njira inayake.

7.1. Ngongole

Gawo loyamba pakupeza ngongole zotetezedwa ndi malo ndi kusankha kwa chikole... Mabanki osiyanasiyana amatha kupereka ngongole kwa iwo omwe ali ndi malo, malonda kapena nyumba zogona.

Zofunika! Nthawi zina, zovuta zimayamba chifukwa chopeza ngongole zotetezedwa ndi nyumba momwe ana aang'ono, ndi opuma pantchito.

Mkhalidwe wina wofunikira ndi Ndondomeko yobwezeretsa ngongole... Pachikhalidwe, imodzi mwa 2 Zosankha:

Malipiro a Annuity amatanthauza kulipira ngongole zonse. Nthawi yomweyo, poyamba, wobwereka amalipira chiwongola dzanja chachikulu, ngongole yayikulu imachepa pang'onopang'ono;
Malipiro osiyana pang'onopang'ono. Kuti muwawerengere, kuchuluka kwake kumagawika magawo ofanana. Nthawi yomweyo, chiwongola dzanja chimachepa pang'onopang'ono.

Palinso njira ina yobwezera ngongole, yomwe imagwiritsidwa ntchito mochulukira. Poterepa, panthawi yonse yamgwirizanowu, wobwereka amalipira kokha chidwi. Ikamaliza, wamkulu wabwezedwa.

Nthawi zambiri, obwereka amatha kukhala anthu okalamba kuyambira zaka 21 mpaka 65 zakubadwa... Mabanki ambiri amafunikiranso Nzika zaku Russia... Pezani ngongole zoposa 15 zaka ndizosowa kwambiri. Chiwongoladzanja chimadalira osati kubanki kokha, komanso nthawi yomwe mgwirizano wagwirira ntchito komanso kubweza ngongole. Msika wapakati pamsika ndi 7-25% pachaka.

Kuwerengetsa ngongole yotetezedwa ndi malo ndi nyumba, tikupangira kuti tigwiritse ntchito chowerengera ngongole, komwe mungachedwe kuwerengera zolipira pamwezi ndi chiwongola dzanja pa ngongole:

Masiku ano, mabanki nthawi zambiri amatenga ngongole zotetezedwa ndi malo ku Russian ruble. Nthawi zambiri ndizotheka kubwereka ndalama zakunja.

Akatswiri amalangiza ganizirani bwino musanavomereze ngongole ya ndalama zakunja... Msika wazachuma tsopano ndi wosakhazikika kwambiri, chifukwa chake pali ngozikuti kulipira mu mawu a ruble kudzakhala kwakukulu kwambiri kuposa koyambirira.

Nthawi zambiri, simudzatha kupeza zambiri 60-70% yamtengo woyesedwa ndi malo ndi nyumba. Mabanki ena amapereka kuti alandire ndalama zochulukirapo motsutsana ndi izi. Kuchuluka kwa ngongole kumatha kukhala mpaka 40 miliyoni rubles.

Mbali ina yamtundu wa ngongole yomwe ikulingaliridwa ndi mtima wokhulupirika kwa obwereketsa... Nthawi zambiri, simusowa kulemba ndalama. Kuphatikiza apo, ngongole itha kupezeka ngakhale mutakhala ndi mbiri yoyipa yangongole.

Mukalandira ndalama zotetezedwa ndi malo ku banki, simuyenera kuopa kutayika. Nthawi zambiri, kubwereketsa kumachitika malinga ndi chiwembu chomwe sichitanthauza kuti kulembetsanso ngongoleyo. Chuma chimakhalabe cha wobwereka. Ngakhale zili choncho, ngati avomereza kuti sanalandire, wobwerekayo sataya katundu.

Wobwereka ataya nyumba kapena nyumba kokha Ndi chisankho cha khotilo. Kuphatikiza apo, ngati chikole chikapita ku banki, zibwezera kusiyana pakati pa mtengo wogulitsa ndi kuchuluka kwa ngongole kwa wobwereka.

7.2. Zolemba zofunika

Banki isanapereke ngongole yotetezedwa ndi malo, padzafunika zikalata zingapo.

Zofunika! Pamaso pa chitetezo, kuphatikiza pazolemba za nzika, choyambirira muyenera kutsimikizira kuti kukhala ndi malowo ndi kwalamulo.

Kutengera zotsatira za kulingalira kwa zikalata zomwe zaperekedwa, chisankho chitha kupangidwa pazotheka kupereka ndalama, komanso kukula kwa chiwongola dzanja.

Mndandanda wa zolembedwa zofunika kuti mupeze ngongole yotetezedwa ndi malo ndi awa:

pasipoti ya wobwereka;
satifiketi ya umwini;
zikalata pamaziko omwe ufulu wa umwini udapezedwa;
pasipoti ya cadastral.

Komanso, mabanki ena amafuna Kuchokera m'buku la nyumba... Pazogulitsa malo ndi nyumba, mufunika chilolezo chokwatirana kusamutsa ngati chikole.

Kudziwa zikhalidwe ndi mfundo zopezera ngongole yotetezedwa ndi malo ndi nyumba kumathandiza kupewa mavuto ambiri. Ngati mutawawerenga mwatsatanetsatane PAMBUYO kulemba fomu yofunsira, njirayi idzakhala yosavuta kwambiri.

Njira zopezera ngongole yosayenera ya ogula yotetezedwa ndi malo ndi obwereketsa omwe ali ndi mbiri yoyipa ya ngongole

8. Momwe mungapezere ngongole yosagula ya ogula yotetezedwa ndi malo ndi mbiri yoyipa ya ngongole - njira zitatu zenizeni 💡

Pali zochitika zambiri zomwe zingayambitse kulipira mochedwa. Mfundo yofunikira nthawi zambiri imakhala imodzi - amawononga mbiri ya ngongole (CI) ya wobwereka. Poterepa, mbiri imatha kuwonongeka ngakhale itachedwa masiku angapo.

Mtsogolomu, zovuta zimatha kubwera mukamayesetsa kuti mutenge ngongole yatsopano. Banki iwunika mbiri ya ngongole yonse Bureaukumene zasungidwa. Mpata uwu umagwiritsidwa ntchito ndi 95% Mabanki omwe akugwira ntchito mumsika wazachuma.

Ndikoyenera kulingalira! Ngakhale ndizovuta kutenga ngongole ndi mbiri yoyipa ya ngongole, kuonjezera mwayi wosankha bwino ndizowona... Ndikokwanira kulonjeza malo okwera mtengo amadzimadzi.

Alipo Njira 3 zotsimikizika, zomwe zimakupatsani mwayi wopeza ngongole pankhaniyi. Tiyeni tikambirane chilichonse mwa izi.

Njira 1. Lumikizanani ndi banki mwachindunji

Mosasamala kanthu za kuchuluka kwa ziphuphu za mbiri ya ngongole makamaka muyenera kulumikizana ndi banki. Mabungwe ena obwereketsa ndalama amakhala okhulupirika kwa makasitomala omwe ali ndi malo ndi nyumba. Amanyalanyaza mbiri yoyipa ya ngongole.

Zowona, mlingaliro pankhaniyi udzakhala wapamwamba kuposa avareji. Kuphatikiza apo, mwayi wopeza chilolezo ku banki ndiwochepa - pafupifupi 20%.

Njira 2. Gwiritsani ntchito thandizo la wogulitsa ngongole

Amkhalapakati ndi nkhoswe pakati pa makasitomala ndi mabanki. Amatha kuthana ndi vuto lopeza ngongole ndi mbiri yakale ya ngongole ya pafupifupi pa 5 masiku... Koma chifukwa chochedwetsera ngongole chimayenera kukhala mwaulemu.

Nthawi zambiri broker amagwirizana ndi mabanki angapo nthawi imodzi. Chifukwa chake, mwayi wovomerezeka ukuwonjezeka. Komabe, ngati kasitomala akukanidwa, atha kuyesa mwayi kudzera mwa broker wina.

Njira 3. Funsani ngongole yobwereketsa (ngongole) yotetezedwa ndi malo ogulitsa nyumba yabizinesi yangongole

Masiku ano, kuchuluka kwa mabungwe wamba omwe amabwereketsa kwa anthu awonjezeka kwambiri. Pamaso pobweza ngati nyumba zogulitsa, mwayi wolandila ndalama ukuwonjezeka kwambiri.

Mwachilengedwe, makampani azinsinsi samasamala za mbiri ya ngongole. koma nthawi zambiri amayang'ana munthu ngati alibe ngongole kwa omwe amapereka ndalama.

Zambiri pazomwe mungapeze ngongole mwachangu osayang'ana mbiri yanu ya ngongole zafotokozedwa m'nkhani yathu yosiyana.

Posankha ngongole yobwezeredwa ndi malo ndi nyumba, ndikofunikira kudziwa momwe mbiri yakale ilili pakadali pano. Mutha kudziwa zambiri za izi mwa kulumikizana Chapakati BKI (ofesi ya ngongole)... Ntchito imeneyi ndi yaulere kamodzi pachaka.

Ngati, komabe, mbiri ya ngongole yawonongeka ndipo muyenera kulumikizana ndi amalonda achinsinsi ndi omwe mumachita nawo malonda, muyenera kusamala kuti musakodwe ndi nyambo zabodza.

Zomwe zimaperekedwa pakubweza ngongole yotetezedwa ndi malo ndi nyumba

9. Ngongole yotetezedwa ndi malo ndi nyumba - zomwe zimachitika mukapereka ngongole 💸

Ambiri mwa iwo omwe ali ndi chidwi ndi ngongole zotetezedwa ndi malo ndi nyumba amafuna kupeza ngongole yandalama. Chifukwa chake, ndikofunikira kukhala ndi chidwi ndi njira yomwe mungaperekere ngongole kubanki inayake.

Mabungwe ambiri masiku ano amagwiritsa ntchito ndalama zosasungidwa ku akaunti yakubanki kapena khadi chifukwa chaichi. Nthawi yomweyo, zovuta zina zimadza chifukwa chopeza ndalama.

Pali zinthu zingapo pakupereka ngongole zandalama:

Zowonjezera nthawi zambiri zimafunikira. Ngakhale pobwereketsa ndalama zosayenera, banki imachita chidwi ndi momwe ndalama zimagwiritsidwira ntchito. Mukamapereka ngongole yandalama, ndizovuta kuchita, chifukwa chake mabanki nthawi zambiri amafunsa makasitomala kuti anene kuti akugwiritsa ntchito macheke kapena malonda ogulitsa.
Mtengo wa ngongole ya ndalama nthawi zambiri umakhala wokwera. Pankhaniyi, kudzakhala kotheka kupeza basi 500 000 Ma ruble... Kuchuluka kwa ngongole, kukweza chiwongola dzanja.
Chofunikira kugula inshuwaransi yowonjezera. Chitetezo cha chinthu chololedwa ndilololedwa. Chifukwa chake, mukalandira ngongole yotetezedwa ndi malo, nyumba ya inshuwaransi iyenera kugulidwa mulimonsemo. Ngongole ikaperekedwa ngati ndalama, pangafunike kuwonjezera kuti moyo wa wobwerekayo ukhale wathanzi.

Popeza mabanki nthawi zambiri amatenga ngongole potumiza mafoni, ngati mukufuna kupeza ndalama, ndikosavuta kulumikizana ndi mabungwe azachuma. Sazifunikira chitsimikiziro cha kuchuluka kwa ndalama, osalabadira za mbiri yakale ya ngongole. Nthawi zambiri, ndalama zochulukirapo za ngongole zimakhala 2 000 000 Ma ruble.

Ndikoyenera kulingalira! Obwereketsa amawona ntchito iliyonse yobwereketsa payokha. Wobwereka ayenera kumvetsetsa izi malowa ndi okongola kwambiri, pomwe pamakhala phindu lochulukirapo pakubwereketsa.

10. Ndi ziti zomwe zimapangitsa kuti mupeze ngongole yanyumba (yanyumba) yotetezedwa ndi malo ndi nyumba zomwe zilipo kale? 📎

Nthawi zambiri, ngongole imatha kupezeka pobweza nyumba kapena nyumba yokhalamo... Komabe, okongoza ngongole nthawi zambiri amatulutsa ndalama ndikutetezedwa ziwembu zanthaka... Koma pali chinthu chimodzi - kulembetsa kuyenera kuchitidwa molingana ndi malamulowo.

Nthawi zambiri, ngongole zimaperekedwa kubzala, komanso cholinga chokomera nyumba.

Kuti mulembetse ngongole, muyenera kukonzekera zikalata zina:

Zikalata zobwereka - pasipoti ndi zina;
satifiketi yotsimikizira ndalama;
chikalata chokwatirana;
satifiketi yakubadwa kwa ana onse;
zikalata za malowo.

Pakalibe zochitika, zotsimikizika ndi zikalata zina, samachotsedwa pamndandanda.

Posachedwa, pakhala zochitika zotsika ↓ za chiwongola dzanja pamsika. Kuphatikiza apo, kuchotsera kulipo.Amatha kupezeka ndi magulu ena a nzika, komanso omwe amapanga ma inshuwaransi.

Komanso, mukamapeza ngongole yanyumba, chiwongola dzanja chimatha kuchepetsedwa ngati zingabweretse ndalama zoyambirira.

11. FAQ - mayankho a mafunso omwe amafunsidwa kawirikawiri 💬

Kupanga ngongole yotetezedwa ndi malo ndi nyumba si njira yophweka. Ichi ndichifukwa chake obwereketsa nthawi zambiri amakhala ndi mafunso ambiri. Kumapeto kwa kufalitsa, mwachizolowezi timayesa kuyankha otchuka kwambiri.

Funso 1. Ndani angapereke chithandizo kuti mutenge ngongole yopezeka ndi nyumba zogona (zopanda nyumba) zopanda ziphaso za ndalama?

Nthawi zina pamakhala ndalama zofunika mwachangu, pali katundu, koma pali zovuta zina kuti mupeze ngongole. Kuti mwayi wovomerezeka ukhale wapamwamba, mutha kulumikizana ndi akatswiri pankhaniyi.

Pali mitundu itatu yayikulu yothandizira akatswiri pangongole:

Amalonda A ngongole Ndiwoyimira pakati pa kasitomala ndi wobwereketsa. Kwa komisheni, amathandizira kupeza ngongole, kuphatikiza zotetezedwa ndi malo ndi nyumba. Komanso, osinthitsa osapereka chitsimikizokuti kugwiritsa ntchito amene angabwereke ndalama kuvomerezedwa. Komabe, kulumikizana nawo kumawonjezera mwayi wopeza ngongole. Kuphatikiza apo, obwereketsa nthawi zambiri amafuna kuchokera kwa obwereketsa zinthu zabwino kwa kasitomala wawo;
Alangizi azachuma makamaka iwonso ndi mkhalapakati. Komabe, amapereka ntchito zingapo zokulirapo. Kuphatikiza pakuthandizidwa kupeza ngongole, alangizi amapereka chithandizo posankha ndalama, komanso kupanga mapulani azachuma;
Masitolo akuluakulu azachuma ndi makampani omwe amapereka makasitomala pazinthu zosiyanasiyana zachuma - ngongole, kuphatikizapo kutetezedwa ndi malo, madipoziti, mapulogalamu a inshuwaransi... Supermarket zimapereka kuyerekezera zopereka zamabungwe osiyanasiyana azachuma - mabanki ndi ma MFO - ndikusankha yabwino kwambiri.

Funso 2. Kodi mungakonze bwanji bwino ngongole yanyumba yomwe yatsimikizidwa ndi malo ogulitsa?

Kuti mupeze ngongole yotetezedwa ndi malo omwe akugulidwa, palibe chidziwitso chazachuma chofunikira. Ndikokwanira kuphunzira mosamala pulogalamu yomwe banki imapereka.

Ndikofunika kumvetsetsa! Mtundu wobwereketsa womwe ukuganiziridwa ndiwofunika. Izi zikutanthauza kuti ndalama zomwe zalandilidwa zitha kugwiritsidwa ntchito zokha pogula malo ndi nyumba zotchulidwa mgwirizanowu. Idzakhalanso ngati chikole cha ngongole.

Tiyenera kukumbukira kuti nthawi zambiri, obwereketsa amafunikira kulipira koyamba kwa kuchokera 10% mpaka 30%... Zambiri ↑ gawo loyamba, kwambiri ↑ mwayi adzakhala ndi wobwereka wa Chabwino ntchito yomwe yaperekedwa.

Kuphatikiza apo, mapulogalamu ambiri obwereketsa kubanki amapereka kuchepa kwa chiwongola dzanja pomwe akuwonjezera kukula kwa ndalama zoyambirira.

Mutha kugula ngongole yotetezedwa ndi malo omwe mukugula malo amalondandipo nyumba m'nyumba zatsopano kapena kumsika wachiwiri. Wobwereketsayo akudziwitsa banki zinthu zomwe akufuna kugula. Munkhani yapadera, talemba kale momwe tingagulire nyumba yanyumba komanso komwe mungayambire kugula nyumba yanu.

Kutengera ndi zikalata zomwe wobwereka adapereka, wobwereketsayo amasanthula bwino zomwe adzalandire m'tsogolo. Ogulitsa amatcha cheke ichi kulembetsa.

Ngati mukufuna kugula malo ndi nyumba munyumba yomwe ikumangidwa, kulembetsa kumaphatikizapo Osati kokha kusanthula kwa chinthu chomwe chinagulidwa chomwecho. Banki iwunikanso mosamala zambiri zokhudza wopanga mapulogalamu, ndi mwiniwake wamalowo... Njira yolimba yotereyi imalumikizidwa ndi zoopsa zazikulu, chifukwa nyumbayo imatha kukhalabe yosamalizidwa.

Ndikofunikira kudziwa kuti zovuta zakupezera ngongole zotetezedwa ndi malo omwe amapezeka zimabweretsa kuchuluka kwa nthawi yayitali. Nthawi zambiri, zimatenga osachepera mwezi... Chifukwa chake, ndikofunikira kuti muwone mawonekedwe onse a kapangidwe kake. Ngati mukuyenera kufunafuna malo atsopano kapena kukonzanso zikalata, njirayi ichedwa.

Funso 3. Kodi ndi banki iti yomwe ili ndi mitengo yotsika kwambiri pa ngongole zotetezedwa ndi malo ogulitsa mabungwe azovomerezeka?

Nthawi zambiri, mabungwe (mabungwe azovomerezeka) amafuna ndalama zowonjezera zachitukuko. Nthawi zina, zimakhala zopindulitsa kupeza ngongole zotetezedwa ndi malo ndi nyumba... Poterepa, nthawi zambiri ngongole zimaperekedwa kuti abwezeretse chuma cha bungweli ndi chuma chokhazikika kapena kuwonjezera ndalama zogwirira ntchito.

Mosasamala cholinga chobwereketsa, bungwe lovomerezeka likhoza kulonjeza mitundu yotsatirayi:

malonda;
nthaka;
malo okhalamo komanso osakhalamo m'nyumba zosanja zingapo;
nyumba zamatawuni komanso nyumba za anthu.

Zofunikira zingapo zimaperekedwa pachinthu chilichonse chothandizira:

mkulu liquidity;
malo mkati mwa mzinda;
palibe zododometsa.

Njira zazikulu zobwereketsa ndi mlingo ndipo kuchuluka kwa ngongole... Amatsimikiziridwa ndi magawo angapo.

Kuchuluka kwa ngongole, komanso kuchuluka kwake kumatengera izi:

solvency ya bungwe lovomerezeka;
phindu la bungwe;
kukula kolimba.

Kubwereketsa mabungwe azovomerezeka nthawi zambiri kumasiyana ndi madongosolo obwereketsa omwe amaperekedwa kwa anthu.

Zomwe ngongole za mabungwe azovomerezeka ndi izi:

kukula kwa Zachikondi;
Kutalika kwakukulu Zaka 10;
kufulumizitsa kupanga zisankho pakugwiritsa ntchito;
kuthekera kobweza ngongole ngati kuli kofunikira;
mikhalidwe yokhulupirika kwa makasitomala wamba.

Asanapange chisankho pazofunsira, banki imayang'anitsitsa izi:

mbiri ya ngongole;
kugulitsa nyumba ndi nyumba zoperekedwa ngati chikole;
ukhondo wa adilesi yamalamulo;
chiwongola dzanja pamaakaunti apano;
nthambi zogwirira ntchito;
kapangidwe ka mabungwe olamulira.

Pofunafuna mitengo yotsika kwambiri, mabungwe azovomerezeka nthawi zambiri amabwera Sberbank... Kungakhale kovuta kupeza ngongole kuno, koma mabungwe ambiri amawona kuti malamulowo ndiabwino.

Ngati kuli kofunika kuwonjezera ndalama zomwe zikugwiritsidwa ntchito, bungwe lovomerezeka lingagwiritse ntchito mapulogalamuwa kuchokera ku Sberbank:

Kutuluka kwa Bizinesi limakupatsani ngongole ku makampani amene ndalama pachaka zosakwana 400 miliyoni rubles. Pulogalamuyi imakhudzana ndikupereka ngongole pamalowo kuchokera 150 000 Ma ruble... Poterepa, mulingo uyambira 14,8% pachaka. Ndalamazo ziyenera kubwezedwa mkati 4zaka.
Lamulo la boma - pulogalamu yomwe imathandizira kukhazikitsa mapangano aboma. Kutengera ndi izi, simungalandire zopitilira 70% ya mgwirizano. Komabe, kuchuluka kwa ngongole sikuyenera kupitirira 600 miliyoni miliyoni... Poterepa, mulingo uyambira 15,4% pachaka, ndipo ngongole yayikulu ndi 3 za chaka.

Ngati bungwe lovomerezeka liganiza zokhala ndi ngongole yogula malo ndi nyumba, Sberbank imapereka mapulogalamu atatu:

Malo Amalonda Amalonda (pongogula malo ndi nyumba) - kuchuluka kumayambira 150 000 ma ruble, mulingo - kuchokera 14,74% pachaka, nthawi yayitali kwambiri ndi 10 zaka.
Bizinesi Invest imagwiritsidwa ntchito osati kokha pogula malo, komanso pokonzanso kapena pomanga. Kuchuluka ndi nthawi ndizofanana ndi pulogalamu yoyamba, mtengo umayambira 14,82% pachaka.
Express Ngongole - pulogalamuyi imakulolani kuti mufikire 10 miliyoni miliyoni kwakanthawi mpaka 10 zaka. Poterepa, mulingo uyambira 17% pachaka.

Funso 4. Kodi nditha kutenga ngongole kwa aliyense wa amalonda (aliyense payekha) wotetezedwa ndi malo ndi nyumba?

Eni ake okha ndi omwe amachita bizinesi yopanda mabungwe azovomerezeka. Ichi ndichifukwa chake, poyesera kuti atenge ngongole kubanki, wochita bizinesi amatha kugwiritsa ntchito zonsezi ngongole kwa anthukomanso zomwe akufuna kwa bizinesi yaying'ono.

Nthawi zambiri, amalonda amalandila ngongole zotetezedwa ndi malo ndi nyumba pazinthu izi:

kuonjezera kukula kwa capital capital;
kugula galimoto;
kupeza zinthu zina zogulitsa nyumba;
chitukuko chatsopano chamabizinesi;
Kubwezeretsanso ngongole yomwe idalipo.

Kuti mupeze ngongole yotetezedwa ndi malo, ntchito yachikhalidwe imagwiritsidwa ntchito, yomwe imaphatikizapo magawo angapo:

kulemba fomu yofunsira;
kukonzekera zikalata za omwe akuchita bizinesi komanso chikole;
kulingalira za momwe banki imagwirira ntchito;
kuwunika malo;
kumaliza mgwirizano;
kulembetsa inshuwaransi;
kutumiza ndalama.

Amalonda payekha nthawi zambiri amalandira ndalama kudzera pa waya. Poterepa, ngati angapeze ngongole yothandizanso ndalama, ndalamazo zimasinthidwa kuti zibwezere ngongole yomwe idalipo kale. Ngati ndalama zaperekedwa kuti mugule malo ena, kusamutsaku kumakonzedwa ndi wogulitsa.

Momwe mungapezere ngongole kwa wochita bizinesi popanda chikole, werengani nkhani yathu.

Funso 5. Kodi wopuma pantchito angalandire ngongole yotetezedwa ndi malo ndi nyumba ndipo ndi mabanki ati omwe amapereka ngongole zoterezi?

Iwo omwe apuma pantchito, komanso nzika zina, atha kuwona kufunika kwa ndalama zambiri.

Mabanki ambiri samawona okalamba ngati makasitomala osiririka. Izi ndichifukwa cha awo chitetezo chochepa cha anthu, ndi ndalama zochepa.

Komabe, opuma pantchito amatha kulandira ngongole kubanki yotetezedwa ndi malo ndi nyumba. Poterepa, azitha kupeza ndalama zochulukirapo ngongole. Thandizani kuchepetsa ntchito yopeza ngongole ntchito zapadera za intaneti... Amakulolani kuti mupereke fomu imodzi nthawi yomweyo kumabanki angapo ndikusunga nthawi.

Bungwe lililonse la ngongole limakhazikitsa zofunikira kwa obwereketsa, komanso mndandanda wazolemba zofunika. Komabe, pali mfundo zina zofunika kuti mupeze ngongole zotetezedwa ndi malo ndi nyumba kwa opuma pantchito.

Mabungwe ambiri obwereketsa ngongole ali ndi izi:

Nzika zaku Russia;
kulembetsa kwamuyaya kumalo olembetsa ngongole;
mbiri yabwino kwambiri ya ngongole;
panthawi yobweza kwathunthu ngongole, wopumira pantchito ayenera kukhala nayo basi 65-75 zaka;
kulembetsa inshuwaransi ya chinthu chomwe walonjeza, komanso moyo ndi thanzi la wobwereka.

Kuti mutenge ngongole, muyenera kupereka zikalata izi:

pasipoti ya nzika ya Russian Federation;
Chiphaso chaopuma pantchito;
satifiketi yochokera kuthumba la penshoni yokhudza kuchuluka kwa penshoni yomwe amalandila;
kwa opuma pantchito - satifiketi ya malipiro;
zikalata zolonjezedwa zogulitsa malo.

Mabanki osiyanasiyana amapereka ngongole kwa opuma pantchito. Zinthu zabwino zikuwonetsedwa patebulo pansipa.

Mabanki otchuka omwe amapereka ngongole kwa opuma pantchito otetezedwa ndi malo ndi nyumba:

№	Kuyendetsa ngongole	Zolemba malire kuchuluka	Chiwongola dzanja	Kuchuluka kwa ngongole	Makongoletsedwe
1	Sberbank	Ma ruble 10 miliyoni	Kuchokera ku 15.5% pachaka	Zaka 20	Pamapeto pa mgwirizano, wobwereka sayenera kupitirira zaka 75
2	*Rosselkhozbank*	1 miliyoni rubles	Kuchokera ku 21.5% pachaka	Zaka 5	Ngongole imatha kupezeka mpaka zaka 65 Mukalandira penshoni pa khadi yakubanki, mitengoyo imatsika
3	*Raiffeisenbank*	Ma ruble 9 miliyoni	Kuchokera ku 17.5% pachaka	Zaka 15	Wobwereka panthawi yolemba pulogalamuyo sayenera kupitirira zaka 60 Ndalama zotsimikizika za wopuma pantchito ziyenera kukhala ma ruble osachepera 20 zikwi

Mbali yapadera ya ngongole yotetezedwa ndi malo ndi nyumba kwa opuma pantchito ndi ngongole yayitali komanso ngongole yobwereketsa, komanso chiwongola dzanja chochepa.

Kupezeka kwa malo ogulitsa mitengo yamtengo wapatali kumawonjezera mwayi chisankho choyenera pa pempho la ngongole.

Ngongole zotetezedwa ndi malo ndi nyumba zimapezeka ngakhale kwa opuma pantchito, komanso nzika zopanda ndalama zaboma. Iwo omwe ali ndi mbiri yoyipa ya ngongole atha kutenga ngongole yotetezedwa ndi malo ndi nyumba. Ndikofunikira kutsatira malamulo onse pamapangidwe ake.

Tikukulangizaninso kuti muwonere kanema wazodziwika bwino pakupeza ngongole zotetezedwa ndi malo ndi nyumba:

Tikufuna owerenga Maganizo a Life magazine aumoyo kukhala athanzi. Ngati mukufuna kuti muthe kubwereketsa ngongole ndi malo ndi nyumba, mverani upangiri wathu, ndipo mutsimikizika kuti mudzachita bwino.

Ngati muli ndi mafunso pa mutu wofalitsa, afunseni mu ndemanga pansipa. Mpaka nthawi yotsatira!