Momwe Mungachotsere Ngongole Yanyumba Mwalamulo - Mwachidule Njira 4 Zotsimikizika
Moni! Chonde ndiuzeni momwe ndingachotsere ngongole yanyumba? Ine ndi amuna anga tidatenga ngongole yanyumba yanyumba panthawi yomwe timapeza ndalama zambiri. Panopa, ndachotsedwa ntchito, ndipo malipiro a mwamuna wanga atsika. Kuphatikiza apo, ndalama zathu zawonjezeka pokhudzana ndi kumaliza banja. Chifukwa chake, zidakhala zovuta kwambiri kubweza ngongole yanyumba.
Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!
Maria, Sevastopol.
Ngongole (kapena kubweza ngongole) ndi mtundu wa ngongole yayitali, momwe ndalama zimaperekedwa ndikulembetsa malo kapena malo ngati chikole.
Nthawi yobwereketsa nthawi yayitali komanso ndalama zambiri zimapanga chindapusa chachikulu pazaka zingapo kapena makumi angapo. Pakapita nthawi yayitali, moyo wa wobwereka umatha kusintha kwambiri.
Chofunika koposa, zochitika zosiyanasiyana m'moyo zimatha kusokoneza momwe angakwaniritsire kulipira. Zikatere, kupanga ngongole zanyumba kumakhala kovuta.
Pali zochitika zingapo pamene wobwereka asankha kuchotsa ngongole yanyumba:
- Mbali imodzi, omwe ali ndi ngongole amafuna kulipira ngongole mwachangu ndikuchotsa malondawo.
- Mbali inayi, ochulukirapo ambiri obwereka amapezeka kuti zimakhala zovuta kuti athe kubwereketsa ngongole malinga ndi momwe ziliri kale.
Ngakhale atakhala ndi zifukwa zotani, wobwereka ayenera kudziwa momwe angachotsere ngongole yanyumba.
Zolinga ndi zolinga za omwe amabwereka-ngongole, ndikuchotsa ngongole yanyumba
Zolinga zazikulu ndi zolinga zothetsera ngongole yanyumba
Sikuti aliyense amamvetsetsa, koma kuchotsa ngongole yanyumba nthawi zambiri kumakhala kosavuta kuposa kuchotsa ngongole ya ogula. Komabe, chilichonse chimatsimikizika makamaka ndi zolinga ndi zomwe wobwereka amafuna kukwaniritsa.
Nthawi zambiri, obwereketsa ngongole amadzifotokozera okha zolinga izi:
- Sungani malo omwe mwalonjezedwawo, koma nthawi yomweyo mukwaniritse zosintha za mgwirizano wanyumba. Izi zithandizira kuchepetsa ngongole ndikukweza ngongoleyo pazabwino.
- Sungani umwini wa malo kapena malo ndikuchepetsa ngongole yanu nokha. Izi zitha kuchitika pobweza ngongole yanyumba yanu.
- Lipirani ngongole yanu yanyumba mwachangu momwe mungathere. Poterepa, wobwereka samasamala ngati chikole chikhalebe m'manja mwake.
Pakatikati pake, kubweza ngongole ndi njira yovuta kubwereketsa. Ngongole yotere imaphatikizaponso mitundu iwiri yolumikizirana mwalamulo: za chikole komanso za ngongoleyo. Magawo awiriwa amalumikizidwa, chifukwa chake, zomwe wobwereka amakhazikitsa poyerekeza ndi iwo posankha kuchotsa ngongole yanyumba zimadaliranso wina ndi mnzake.
Nthawi zambiri, muyenera kusankha sungani kapena ayi umwini wa chinthu cholonjezedwa. Zimatengera chisankho chomwe wachita pazomwe zikuchitika.
Njira yosavuta yochotsera ngongole ndi ngati wobwereka akufuna kutaya chikole. Kuphatikiza apo, ndi malo omwe azitha kutsimikizira kukwaniritsa zomwe akukwaniritsa.
Ngati ndikofunikira kukhalabe ndi malo kapena malo, zinthu zimakhala zovuta kwambiri. Muyenera kupeza nokha ndalama zolipirira ngongole yanyumba, kuyambiranso, kapena kuyesa kukambirana ndi banki.
Musanapitirize kusankha njira yotulutsira ngongole, ayenera kumvetsera pa mwayi wothana ndi nkhaniyi mothandizidwa inshuwaransi... Ambiri obwereka amatenga inshuwaransi ya moyo ndi thanzi. Kuphatikiza apo, ena a iwo amatenga inshuwaransi yazaboma, kuphatikiza Zokhudza kusowa kwa ntchito kapena kutayika kwa ndalama.
Kulipira inshuwaransi kumatha kuthandiza wobwereketsa kuti athe kubweza ngongoleyo kapena pang'ono pokha kubweza ngongole yanyumba. Ngati lamuloli silinaperekedwe, kapena ngati wobwereketsa siwomwe ali ndi inshuwaransi, muyenera kuyang'ana njira ina yothetsera vutoli.
Njira zovomerezeka zothetsera ngongole yanyumba
Momwe mungachotsere ngongole yanyumba - njira 4 zotsimikizika 📌
Njira yotulutsira ngongole yanyumba imatsimikiziridwa makamaka ndi malingaliro a wobwereka kubanki. Chifukwa chake, zosankha zomwe zingatheke zimasiyanitsidwa kuyatsa gulu ndendende kutengera izi.
1) Pakufunika kusunga katundu
Ngati mukufuna kusunga umwini wazinthu zomwe munalonjeza, mutha kuthetsa vutoli pogwiritsa ntchito njira zotsatirazi.
Njira 1. Kubwezeretsa kubweza
Ngati lingaliro lakonzedwanso, muyenera kulembetsa ku bungwe la ngongole ndi fomu yofunsira.
Mawu okonzanso ngongole akuwonetsa:
- zifukwa zolepheretsa kubweza ngongole yanyumba pazomwe zilipo;
- umboni wazomwe zakhala zikuchitika;
- chikhumbo chimawonetsedwa kuti kukonzanso kukhazikike.
Wobwereketsa akawona momwe akufunsira, apanga chisankho ndikupereka zosankha zakuthana ndi izi:
- mkati mwa nthawi inayake, wobwereka amalipira chiwongola dzanja chokha, ngongole yayikulu imasungidwa;
- kuonjezera nthawi yanyumba ndikuchepetsa kukula kwa zolipira pamwezi;
- kuchepetsa chiwongola dzanja.
Zosankha zomwe zatulutsidwa sizokwanira. Obwereketsa amapanga mawu okonzanso omwe amafanana ndi momwe zinthu ziliri pano ndipo amaganizira momwe wobwereketsayo aliri pakadali pano komanso mtsogolo pokhudzana ndi moyo wake wachuma.
📎 Zambiri zakukonzanso ngongole zili mu kope lathu lapadera.
Njira 2. Kubwezeretsanso ndalama
Refinancing ndiyabwino kwa omwe adabwereka omwe adatenga ngongole yanyumba zaka zingapo zapitazo, pomwe mitengoyo inali yokwera kwambiri. Mabanki akuluakulu masiku ano amapereka mapulogalamu ofanana. Akukambirananso za ngongole yanyumba pochepetsa ndalamazo.
Komabe, ndi yankho lotere pankhaniyi, kupezeka ndi kukula kwa ngongole yomwe idachedwa ndiofunika kwambiri. Choyamba, kuti mulembetse kuti mudzabwezeretsenso ndalama, muyenera kulumikizana ndi wobwereketsa yemwe adalandira ngongole yanu. Ngati akana, mutha kupita kuchipatala china.
Werengani za momwe ndalama zowonjezera ngongole zimagwirira ntchito munkhani yathu.
2) Chikole sichikukonzekera kuti chisungidwe
Ngati sikofunikira kuti wobwereka asunge malo, mutha kugwiritsa ntchito njira zina kuti muchotse ngongole:
Njira 3. Kugulitsa malo kapena malo
Musanagulitse chikole, muyenera kupeza Kuvomerezeka kwa banki... Powononga ndalama zomwe adalandira kuchokera kugulitsa, ngongole yanyumba idzabwezedwa.
Mukasankha kugulitsa malo, muyenera kupeza chilolezo ku banki. Pali njira ziwiri: wobwereka amagulitsa malowo yekha, kapena wobwereketsayo akukonzekera kuti azigulitsa ndi chilolezo cha kasitomala. Mulimonsemo, banki imayang'anira zochitikazo.
Tidalemba momwe tingagulitsire nyumba mwachangu m'nkhani yapita.
Njira 4. Kusamutsa ngongole yanyumba kwa wobwereka wina
Zikatero, choyambirira, muyenera kupeza chilolezo chabankiyemwe adapereka ngongole yanyumba. Wobwereketsa amayang'ana kasitomala watsopano momwemonso ndi ngongole yoyamba.
Nthawi zambiri, wobwereketsa wamkulu samachotsedwa pamgwirizanowu. Malinga ndi mgwirizano womwe wasinthidwa, kasitomala uyu amakhala nawo cholimba kapena Ngongole zothandizira pa ngongole.
Ponena za chinthu chobedwa, nkhaniyi yathetsedwa molingana ndi mgwirizano pakati pa wobwereka ndi banki. Nthawi zambiri, chiwembu cha zochitika zoterezi chimapangidwa payekhapayekha... Pambuyo pake, zinthu zonse zimagwirizana pakati pa onse omwe akuchita. Komabe, chachikulu chikhala malingaliro a wobwereketsa ngongole.
Nthawi zambiri, maubale ndi malo amakonzedwa ndi imodzi mwanjira izi:
- chikole chimasungidwa ndi wobwereka wamkulu;
- katundu, atalandira chilolezo cha wobwereketsa, amasamutsidwa kwa wobwereketsa watsopano, amakhalabe wolonjezedwa. Poterepa, wobwereketsa wamkulu amasulidwa kuzomwe angachite kwa wobwereketsayo.
Zindikirani! Obwereketsa nthawi zambiri amayesa kudzimasula ku ngongole zanyumba pobwereketsa malo awo. Malipiro omwe amalandila kuchokera kwa omwe akukhala pankhaniyi amapita ngati ngongole za ngongole.
Komabe, kuti mupange mgwirizano wapangano, muyenera kulandira chilolezo ku banki. Koma nthawi zambiri omwe amakhala ndi ngongole amanyalanyaza izi, kukambirana ndi wobwereketsa pakamwa pokha. Kapenanso amalowa nawo pangano, akuyembekeza kuti banki iletsa. Mulimonsemo, kubwereka nyumba yanyumba si njira yabwino kwambiri.
Pomaliza, tikukuwonetsani tebulo lalifupi, yomwe ili ndi njira zotheka kutulutsira ngongole yanyumba.
| № | Njira | Kufotokozera mwachidule |
| Zochitika pakafunika kusunga katundu | ||
| 1 | Kukonzanso | Wobwereketsa amatumiza fomu, pofotokoza zovuta zomwe zachitika Chifukwa chake, nthawi imatha kuchulukitsidwa, kuchuluka kwake kuchepetsedwa, ngongole imakhala yozizira kwakanthawi (chiwongola dzanja chokha chimalipira) |
| 2 | Kubwezeretsanso ndalama | Muli nokha kapena kubanki ina iliyonse Mukufuna kubwereketsa ngongole yatsopano kuti mubweze yakaleyo pazinthu zabwino |
| Sikukonzekera kupulumutsa katundu | ||
| 3 | Kugulitsa malo | Kuvomerezeka kwa Banki kumafunika Ngongole zanyumba zimazimitsidwa chifukwa cha ndalama zomwe amalandira kuchokera kugulitsa |
| 4 | Kusamutsa ngongole kwa wobwereka wina | Chilolezo cha Banki chimafunika Chikolecho chimasungidwa ndi wobwereka wamkulu, kapena chimasinthidwa chatsopano |
Timalimbikitsanso kuwonera vidiyo pamutu wakuti "Komwe mungapeze ndalama mukazifuna mwachangu":
Maganizo a Gulu la Moyo akuyembekeza kuti athe kuyankha funso lanu. Ngati muli ndi zatsopano - afunseni mu ndemanga pansipa. Mpaka nthawi yotsatira!