Momwe mungapezere ngongole (ngongole) yotetezedwa ndi munda kapena nyumba yokhala ndi chiwembu - magawo a kulembetsa + malangizo 4 othandiza kwa obwereketsa
Moni, owerenga okondedwa a Magazini azachuma a Ideas for Life! Munkhaniyi tikukuwuzani momwe mungatengere ngongole yotetezedwa ndi nyumba komanso malo.
Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!
Si chinsinsi kwa aliyense kuti kupereka katundu ngati chikole kumawonjezera mwayi wopeza ngongole yopindulitsa. Komabe, sikuti aliyense amadziwa izi nthaka ndipo nyumba za eni... Ndicho chifukwa chake lero taganiza zokhala pamutuwu mwatsatanetsatane.
Nkhaniyi ilinso ndi malangizo amomwe mungakonzekerere ngongole zotetezedwa ndi malo ndi nyumba zanyumba, magawo ati omwe akuyenera kuthana ndi izi. Pamapeto pa positi, mupeza maupangiri okuthandizani kuti musapewe kubera ngongole.
Ngati simukufuna kuphonya chilichonse chofunikira, onetsetsani kuti mwawerenga nkhaniyi mpaka kumapeto!
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 | Yerekezerani | 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 mungapezere ngongole yotetezedwa ndi nyumba yanyumba komanso komwe mungapeze ngongole yotetezedwa ndi nthaka (nthaka) - muphunzira m'magaziniyi
1. Ndi ziti zomwe zimakhala ndi ngongole yotetezedwa ndi malo kapena nyumba yanyumba yokhala ndi malo 🗒
Malo ogulitsa nyumba zam'mizinda, monga katundu wina aliyense, ndiye chida chofunikira kwambiri pazachuma. Mutha kugwiritsa ntchito chuma chotere m'njira zosiyanasiyana. Akatswiri ambiri amaganiza kuti njira imodzi yabwino kwambiri ngongole yotetezedwa ndi nyumba zogulitsa kumatauni (malo, nyumba yaboma).
Aliyense amadziwa kuti mabanki amapereka zinthu zabwino kwambiri ngati ali otsimikiza momwe angathere pobweza ndalamazo. Chiwopsezo cha wobwereketsa chimachepa kwambiri ngati alandila nyumba ngati chikole.
Ichi ndichifukwa chake eni malo ogulitsa madzi akumatauni amadalira mawu opindulitsa, ndi mtima wokhulupirika kuchokera kumabanki.
Ndikofunika kumvetsetsa kuti malowo atha kulonjezedwa pokhapokha ngati mwini wake ali ndi mangawa onse okhala ndi umwini wawo. Kuphatikiza apo, asanapereke ndalama, wobwereketsayo amafufuza bwino malowo.
Zachidziwikire, ngati banki pazifukwa zina sakuvomereza ngati chikole, mutha kulumikizana nawo Ma IFI kapena mabizinesi azinsinsi... Komabe, mawu a obwereketsawa ndiosavomerezeka kwenikweni. Ngati akupereka mitengo yotsika, muyenera kukhala osamala, mwina mwakumana ndi achinyengo.
Sikuti aliyense akhoza kupereka nyumba ngati chikole. Izi ndichifukwa choti obwereketsa ambiri amafuna kuti sindiye yekhayo. Malongosoledwe ake ndiosavuta - ndizovuta kwambiri kulanda munthu waku Russia nyumba yake yokha.
Zikupezeka kuti banki imakhalabe yopanda inshuwaransi ngati wobwerekayo akana kukwaniritsa zomwe akuyenera kuchita. Vutoli limakulirakulirabe ngati ana kapena nzika zomwe zakana kugulitsa mabizinesi zilembetsedwa mnyumbamo.
Pakadali pano, anthu ambiri aku Russia adalembetsa mwalamulo minda, nyumba zazing'ono za chilimwe ndi minda yokhazikika (minda yam'munda). Amatha kuperekedwa kuti alandire ndalama pangongole.
Komabe, musanapemphe ngongole yopezeka ndi malo kapena nyumba, muyenera kumvetsetsa bwino zovuta zonse za ngongole zoterezi. Izi ndizofunikira kwambiri chifukwa kubwereketsa kotereku sikofala kwenikweni kuposa ngongole yotetezedwa ndi nyumba.
Kulandila ndalama zotetezera nyumba ndi malo kumakhala ndi zinthu zina:
- Ngongole idzatetezedwa ndi nyumba komanso gawo lomwe lamangidwapo. Poterepa, wobwereketsa adzapempha zikalata pa 2-zinthu... Chifukwa chake, muyenera kuwonetseratu kuti nyumba komanso malo omwe ali pansi pake amakongoletsedwa bwino. Nthambiyi iyenela kukhala yabizinesi isanakhale yaboma kapena oyang'anira boma.
- Khalani nawoMalingaliro okongoza ngongole yomwe ili ndi ngongole zofananira nthawi zambiri amakhala opanda phindu - bids ndi okwera ↑, kuchuluka ndi mawu ocheperako ↓. Izi ndichifukwa choti kugulitsa malo kunja kwa mzindawo sikumakhala madzi nthawi zonse. Kugulitsa zinthu zotere kumakhala kovuta kwambiri kuposa kugulitsa nyumba. Zomwezo zimagwiranso ntchito kunyumba za anthu zomwe zili mumzinda.
- Kuchuluka kwa ngongole kumatengera kuchuluka kwa katundu wobwerekedwa. Nthawi zambiri, mabanki amasanthula chinthucho, chifukwa chake mtengo wake ungapeputsidwe. Chifukwa chake, ndibwino kuti wobwereka ayitanitse mayeso kuchokera kwa katswiri wodziyimira pawokha. Komabe, musanachite izi, ndi bwino kufunsa wobwereketsa ngati angasankhe lipoti lodziyimira pawokha. Mabanki ena amagwira ntchito zokha ndi obwereketsa ovomerezeka ndi iwo.
M'malo mwake, palibe zovuta zambiri kuti mupeze ngongole yotetezedwa ndi malo kapena nyumba. Komabe, zonsezi ndizofunikira kwambiri ndipo zimafuna kuzisamalira.
Si mabanki onse omwe amavomereza kulandira nyumba zogulitsa kumizinda yakunja ngati chikole. Chifukwa chake, kufunafuna wobwereketsa kumatenga nthawi yochuluka. Ichi ndichifukwa chake akatswiri amalangiza funani thandizo kuchokera osinthitsa ngongole.
Gawo lofunikira kwambiri pokonza ngongole iliyonse ndikutolera zambiri. Kuti izi zitheke, banki imafuna kuti amene amabwereka ndalama apereke zikalata zingapo. Kuti mupeze ngongole yotetezedwa ndi malo ogulitsa nyumba zakunja kwatawuni, muyenera kukonzekera zikalata ndi mapepala ena, onse obwereka komanso chikole.
Monga mwalamulo, zikalata izi zikufunika kuti ziperekedwe ku banki:
- pasipoti;
- satifiketi ndi zikalata zina zotsimikizira kuti wobwereketsayo ndiokwaniritsidwa ndi malowo;
- mapangano ndi mapangano ena pamomwe wobwereka amalandila umwini wa malowo.
Mndandanda womwe uli pamwambapa uli ndi zikalata zazikulu zokha. Pempho la ena limadalira makamaka wobwereketsa. Mabanki nthawi zambiri amafunikira zikalata zambiri kuposa mabungwe azachuma komanso mabungwe azachuma.
Zolemba zonse zimakhudzidwanso ndi pulogalamu ya ngongole yomwe yasankhidwa:
- Ngati pali zomwe zili mgwirizanowu zokhudzana ndi umboni wa ndalama, zingafunike zikalata zolipirira banki kapena 2-NDFL, zilengezo, ziphaso za khadi yakubanki.
- Ngati pulogalamuyi ikuphatikiza kukopa obwereketsa anzawo kapena othandizira, muyenera kupezanso zikalata zomwezo kwa wobwereka wamkulu.
Chifukwa chake, pali zovuta zambiri pakupeza ngongole zotetezedwa ndi nyumba zogulitsa kumizinda. Ndikofunika kuziwerenga mosamala zonse ndikuzikumbukira mukamafunsira ngongole.
Izi zithandizira kupewa mavuto mtsogolomo, omwe nthawi zambiri amabwera chifukwa chodziwa ndalama zochepa kapena kupezeka kwa zifukwa zina. Ziyenera kumveka kuti mutatha kusaina mgwirizano, sizokayikitsa kuti chilichonse chingasinthidwe.
Tikukulangizani kuti muwerenge nkhani yathu momwe mungatengere bwino ngongole yopezeka ndi malo ogulitsa kubanki.
2. Ngongole yotetezedwa ndi malo (nthaka) - malangizo amomwe mungatengere + mabanki TOP-3 okhala ndi ngongole zabwino lend
Kupeza ngongole yopezeka m'munda si ntchito yophweka. Muyenera kuganizira kuchuluka kwa ma nuances ndi zofunikira.
Akatswiri azachuma amathandiza kupulumutsa nthawi. Amapereka malangizo mwatsatanetsatane kwa obwera kumene kuti abwereke, ndipo amatulutsa ndemanga zamabanki omwe mungawakhulupirire.
2.1. Ndi nthaka iti yomwe ingalandiridwe ngati chikole chobwereketsa ngongole - zofunikira zinayi paminda
Pezani ngongole yopezeka ndi malo zosathekangati zakhazikitsidwa kale zovuta... Izi zimachitika ngati malowo adalonjezedwa kale kapena kugulidwa pogwiritsa ntchito ndalama zangongole zomwe sizinabwezeredwe.
Zina mwazomwe mawebusayiti akuyenera kukwaniritsa nthawi zambiri ndi izi:
- Minda ndi ya anthu okhala muminda kapena imakhala ndi ulimi;
- umwini wa tsambalo umakhazikitsidwa malinga ndi zofunikira za malamulo;
- malowa amapezeka mdera la pulogalamu yobwereketsa;
- nyumba zomwe zili pamunda ziyenera kulembedwa kuti ndi za eni (pomwe ngongole imatha kuperekedwa mwachindunji kumalowo ndi mnyumbayo).
Chofunikira kwambiri pamunda ndi zamadzimadzi... Zimamveka ngati kuthekera kwachuma kukhala kofulumira komanso kosawonongeka kungagulitsidwe ndikusandulika ndalama. Zamadzimadzi zimatengera kuchuluka kwa zinthu, monga zomangamanga, malo.
Njira zomwe ziyenera kukwaniritsidwa ndi malo olonjezedwa monga chikole zimafotokozedwera pazofunikira kwa omwe adalemba ngongole. Zazikulu zikufotokozedwa pansipa.
Chofunikira 1. Wobwereka ndi wake
Njira yabwino ndiyakuti wobwereka ndiye yekhayo amene ali mundawo. Ngati ndi ya okwatirana mogwirizana, zidzafunika chilolezo chodziwika ndi mwini wake wachiwiri kusamutsa tsambalo ngati chikole changongole.
Zinthu zimakhala zovuta kwambiri ngati gawo la tsambalo ndi la ena. Izi ndizowona makamaka pakubweza malo ndi nzika zazing'ono. Poterepa, banki ndiyachidziwikire angakane popereka ngongole yotetezedwa ndi chiwembu. Njira yokhayo yotuluka ndikulumikizana Ma IFI kapena wogulitsa ndalama payekha.
Chofunikira 2. Palibe zonena za eni mabwalo oyandikana nawo
Ndikofunikira kuti pasakhale malo okhalapo kapena osakhazikitsidwa mwalamulo.
Mwanjira ina, pasakhale mikangano yalamulo pamalire a tsambalo. Ngati alipo, banki silingalandire malowo ngati khothi mpaka khotilo lipange chisankho.
Chofunikira 3. Kupezeka kwa njira zomwe zimaloleza kufikira pamunda chaka chonse
Kuperewera kwa misewu yolowera kumunda, komwe kumapereka mwayi woyendera chaka chonse, kumachepetsa kwambiri mulingo zamadzimadzi... Chifukwa chake, banki ndiyokayikitsa kuti ingaganizire zakunyumba zakunyumba ngati chikole.
Mosiyana ndi izi Malo omwe amakhala mnyumba zazing'ono zokhala ndi misewu yabwino kwambiri amakhala chikole pangongole.
Kufunika 4. Malo okonza malowo sakhala a boma ndipo sali mbali yachilengedwe
Ngati gawo laling'ono laling'ono lili la boma kapena oyang'anira maboma, sililandiridwa ngati chikole cha ngongole.
Malo omwe pamalowa pamakhala ntchito yofunikira. Ngati ili mdera lamalo osungirako zachilengedwe zilizonse, mdera loteteza madzi, komanso malo ogulitsa mafakitale, ndi chikole sindingathe.
Chifukwa chake, zifukwa zambiri zimakhudza chisankho pamalingaliro olandila malo ngati chikole cha ngongole.
Obwereketsa amafunikira mosiyanasiyana, chifukwa chake ngati akukana kupereka ngongole ndi bungwe limodzi, mutha kuyankhulana ndi ena.
Magawo olandila ngongole zotetezedwa ndi nthaka (malo)
2.2. Momwe mungapezere ngongole yotetezedwa ndi malo - magawo asanu
Chimodzi mwazinthu zazikulu zowerengera ngongole zotetezedwa ndi nthaka ndi njira yolembetsera. Nthawi zambiri zimatenga nthawi yochuluka ndipo zimafunikira kuyesetsa kwakukulu kuchokera kwa wopemphayo.
Chifukwa chake, akatswiri amalangiza chitani kukonzekera koyamba. Ndikofunika kusonkhanitsa zikalata pasadakhale zomwe zidzafunike kufunsira ngongole mulimonsemo.
Kuti ntchitoyo ikhale yosavuta ndikupewa zolakwika zambiri zithandizira tsatane-tsatane malangizozoperekedwa pansipa.
Gawo 1. Kusankha banki ndikupereka fomu yofunsira
Pali zotsatsa zambiri pakulembetsa ngongole zotetezedwa pamsika wachuma waku Russia. Komabe, si onse omwe amakongoletsa ngongole amavomereza kulandira malo ngati chikole.
Chiwerengero chachikulu kwambiri cha zotsatsa chitha kupezeka m'mizinda yayikulu. Ndicho chifukwa chake pali mwayi wopeza pulogalamu yomwe ili yabwino kwambiri. apamwamba kwambiri ↑.
Kuti mutsimikizire kugwiritsa ntchito mwayi wopindulitsa kwambiri, wobwereka ayenera kuyerekezera momwe zinthu zikugwirira ntchito m'mabungwe angongole ambiri momwe angathere.
Choyamba, muyenera kulumikizana ndi banki yomwe malipiro ake amasinthidwa. Makampani ambiri amtunduwu wamakasitomala amapereka zabwino kwambiri. Iwo akhoza kudalira mitengo yochepa ndipo kuchuluka kwa ngongole.
Zofunika! Si mabanki onse omwe amavomereza kulandira malo ngati chikole. Chifukwa chake, sizotheka nthawi zonse kupeza ngongole zotetezedwa ndi banki yolipirira. Muyenera kuyesetsa kuti mupeze zopereka zofananira kuchokera kumabungwe ena obwereketsa.
Chimodzi mwanjira zosakira ndikugwiritsa ntchito zidziwitso kuchokera kumasamba omwe amapereka ntchito poyerekeza mapulogalamu obwereketsa. Odziwika kwambiri ku Russia ndi Banks.ru ndipo Yerekezerani.ru.
Komabe, osadalira kwathunthu zidziwitso zamtunduwu. Ndibwino kuti muzidzifufuza nokha.
Kuti izi zitheke, zotsatirazi ziyenera kufananizidwa m'mabanki osiyanasiyana:
- nthawi yayitali pantchito yobwereketsa;
- kuwunika kwa mabungwe owerengera;
- kukula ndi kusintha kwa zizindikiritso zachuma;
- ndemanga kuchokera kwa makasitomala enieni.
Nthawi zambiri, mabanki ang'onoang'ono opangidwa kumene amagawo amapereka ngongole zabwino. Amachita izi kuti akope makasitomala ambiri, popeza mpikisano wawo ndi wotsika.
Komabe, simuyenera kuthamangira mwachangu pamalopo. Ambiri mwa mabankiwa sangatchulidwe odalirika, chifukwa chake chiopsezo chachikulu cha chiwonongeko... Ngati wobwereketsa atachotsedwa, womulowa m'malo adzayenera kubweza ngongoleyo. Izi zitha kubweretsa zovuta komanso ndalama zowonjezera.
Ndikoyenera kulingalira! Lero, kuti mupemphe ngongole kubanki, sikofunikira kuyendera nthambi yake. Mutha kuchita izi patsamba la omwe akubwereketsa. Komabe, chigamulo pankhaniyi chidzakhala choyambirira.
Ngati avomerezedwa, muyenera kupita ku banki ndi zikalatazo. Koma kutumiza fomu yofunsira pa intaneti imakupatsani mwayi wopulumutsa nthawi, womwe sudzawonongeka mukalephera.
Gawo 2. Kukonzekera zikalata ndikuwunika malo
Ngati wobwereka afunsira ngongole pa intaneti, pambuyo povomerezedwa, muyenera kuyendera nthambi ya banki ndi zikalatazo.
Ngati aganiza zodzaza fomuyo kuofesi ya wobwereketsa, muyenera kutenga phukusi lokonzekera lokhala ndi ziphaso ndi ziphaso. Izi zidzathandiza kupulumutsa nthawi ya wobwereka.
Banki iliyonse imadzipangira yokha mndandanda wazolemba zofunika kuti mupeze ngongole yotetezedwa ndi malo.Chifukwa chake, mndandanda weniweni uyenera kufotokozedwera padera pokha.
Komabe, mutha kutchula zikalata zingapo zomwe zingafunike mosalephera:
- Pasipoti ya wobwereka;
- chiphaso chachiwiri;
- lipoti la ndalama;
- zikalata zovomerezera ntchito;
- zikalata zotsimikizira kuti nthaka ili ndi umwini;
- dongosolo la cadastral;
- satifiketi yakusowa kwalamulo pakutaya katundu.
Gawo lina la gawo lokonzekera ndi kuwunika nthaka... Kutengera mtengo wotsimikiziridwa ndi akatswiri, mawerengedwe a kuchuluka kwa ngongole... Kawirikawiri sizipitirira 60% mtengo woyesedwa.
Komabe, chiwembu chonse chalandiridwa ngati chikole. Ichi ndichifukwa chake kuli kopindulitsa ku banki kuti wowerengera asapeputse mtengo momwe angathere ↓. Izi zimachepetsa kwambiri zoopsa za omwe amapereka ngongole. Nthawi yomweyo, kumakhala kopindulitsa kwa wobwereka kuti ndalama zomwe zawonetsedwa mu lipoti la kampani yoyeserera ndizochuluka.
Akatswiri amalangiza kuyitanitsa mayeso kuchokera ku kampani yodziyimira payokha. Izi zimatsimikizira kudalirika kwa kuwerengera. Koma musaiwale kuti mabanki ena amangovomereza malipoti ochokera kumakampani omwe akuphatikizidwa pamndandanda womwe adalemba.
Gawo 3. Kutsiriza kwa mgwirizano wa ngongole
Atalandira pempholo ndi zikalata zofunika, banki idapitilira kukawunika. Koma ndikumayambiriro kwambiri kuti musangalale mutalandira chisankho chabwino. Pakadali pano pakubwera gawo lofunikira kwambiri pokonza ngongole. Zimaphatikizapo kusaina pangano la ngongole.
Ambiri obwereka amakumana ndi mavuto akulu chifukwa sanaphunzire za pangano la ngongole mosamala. Chowonadi ndi chakuti ogwira ntchito kubanki sakukakamizidwa lankhulani zofunikira zonse zamgwirizanowu. Obwereka ayenera kudziyimira pawokha ndi mgwirizano. Ndibwinonso kuphatikiza loya waluso panthawiyi.
Wobwereka aliyense ayenera kumvetsetsa kuti ali ndi ufulu wofunsa zosintha pamalamulo omwe sakumugwirizana. Pakadali pano, oyang'anira mabanki ambiri akuti mgwirizano ndiwokhazikika. Amawonetsa ngati mwamwambo.
Koma chikalatachi chikuyenera kuwongoleredwa kwa nthawi yayitali mpaka ngongole yonse itabwezedwa. Ndiye chifukwa chake wobwereka, ngakhale sangasinthe mgwirizano, ayenera kudziwa bwino mfundo zake zonse zofunika.
Mukamaphunzira mgwirizano wamalipiro, muyenera kumvera mfundo izi:
- chiwongola dzanja chomwe chatchulidwa mgwirizanowu;
- pamikhalidwe iti yomwe kubweza pang'ono ndi pang'ono kuchitidwa;
- tsiku ndi kuchuluka kwa zolipira pamwezi (chisamaliro chapadera chiyenera kulipidwa pamalipiro oyamba ndi omaliza);
- ufulu wa wobwereka monga mwini wake wa malo osamutsidwa;
- chindapusa ndi mabungwe, ndi zifukwa ziti zomwe amapatsidwa;
- osanyalanyaza gawo la mgwirizano lomwe lili ndi zina, nthawi zambiri pamakhala mbuna.
Pa siteji yomweyo, kulembetsa ma inshuwaransi... Obwereka amafunika kutsimikizira kuti malonjezowo akupezeka.
Komanso, mabanki ena amafuna kuti moyo ndi thanzi zizitetezedwa ndi mfundo. Wobwerekera ali ndi ufulu wokana inshuwaransi yotere. Komabe, pakadali pano, ayenera kukhala wokonzeka kuti zikhalidwe zisakhale zabwino.
Gawo 4. Kupeza ndalama zobwerekedwa
Nthawi zambiri, ndalama zomwe amabwereka munthu malinga ndi mgwirizano wa ngongole zimasamutsidwa ndikusintha kwa banki kupita mapu kapena Akaunti ya kubanki... Obwereketsa ena amapitilizabe kupereka ndalama ndi ndalama.
Ndikofunika kutsimikiza ndichomwecho ndalama zomwe zalandilidwa zikufanana ndi zomwe zafotokozedwa mgwirizanowu... Kuphatikiza apo, ngati ndalama zikuyenera kusamutsidwira ku akaunti iliyonse, ndikofunikira kudziwa pasadakhale ngati komiti imalipidwa kuti iwapatse ndalama.
Gawo 5. Kubweza ngongole
Nthawi yomweyo ndi mgwirizano, wobwereka amalandila ndondomeko yolipira... Ndikofunika kutsatira mosamalitsa, kusungitsa ndalama panthawi ndi zonse.
Kuti muwerengere nokha ngongole yotetezedwa ndi malo kapena nyumba, tikulimbikitsa kuti mugwiritse ntchito makina owerengera ngongole pa intaneti, komwe mutha kuwerengera mwachangu komanso molondola mwezi uliwonse ndi chiwongola dzanja pa ngongole, komanso kuchuluka kwamakampani ndi zolipirira:
Ziyenera kuganiziridwa, kuti njira zina zoperekera ndalama zitha kuphatikizira kulandila ndalama kwakanthawi, kwa masiku angapo. Komanso, nthawi zina pamakhala ndalama zolipirira ndalama ntchito... Poterepa, ndikofunikira kulingalira kukula kwake kuti ndalama zomwe zidasungidwa ndizokwanira kulipira.
Chifukwa chake, malangizo a akatswiri pakupeza ngongole yotetezedwa ndi malo angawathandize kwambiri. Chifukwa cha chithandizo chotere, mutha kupeza ndalama mwachangu komanso ndi zovuta zochepa.
2.3. Komwe mungatenge ngongole yotetezedwa ndi malo - mabanki atatu odziwika
Pali zosankha zambiri kuti mupeze ndalama ngongole. Mabanki nthawi zonse amapereka mapulogalamu angapo osiyanasiyana. Izi zimakuthandizani kuti musankhe njira yomwe ingagwirizane ndi wobwereketsa munthawi zina.
Zindikirani! Mukasankha ngongole yopezeka m'minda, muyenera kukumbukira kuti kuti mupeze pang'ono, sikuyenera kuwononga katundu... Mabanki ambiri amatulutsa zochepa popanda chikole popanda mavuto.
M'munsimu muli 3 banki, zomwe, malinga ndi akatswiri, lero ndizotheka kupeza ngongole.
1) Sovcombank
Sovcombank ili ndi zina mwazabwino kwambiri pazaka za wobwereka. Nzika zokalamba kuchokera 21 zaka zisanachitike 85 zaka... Kulembetsa kuyenera kukhala kwamuyaya komanso osachepera 4 miyezi yapitayo. Sikofunikira kutsimikizira ndalama mukamafunsira ngongole yotetezedwa ndi nthaka.
Kudzakhala kotheka kupeza otetezedwa mpaka ma ruble 30 miliyoni... Ayenera kubwezedwa mkati 10 zaka... Poterepa, mulingo wakhazikitsidwa pamlingo kuchokera 18.5% pachaka. Kuchotsera kumaperekedwa kumagulu ena a obwereketsa.
Zofunikira pamutu walonjezo ndizofanana. Chachikulu ndikuti malo okhalapo ali pagawo la ngongole.
2) VTB Bank yaku Moscow
Awa ndi mabungwe obwereketsa atsopano, omwe adapangidwa chifukwa chophatikizika kwa mabanki akulu awiri. Munthawi yogwirira ntchito, kampaniyo yatchuka pakati pa makasitomala, kuphatikiza chifukwa cha mawu abwino okongoletsa ngongole.
VTB Bank of Moscow imapereka ngongole zosiyanasiyana. Kuchuluka kwakubwereka kumafika 3 miliyoni rubles... Chiwongola dzanja chimayamba kuchokera 12.5% pachaka.
Chisankho choyambirira chitha kupezeka nthawi 15 mphindi... Kuti muchite izi, ndikwanira kuyika fomu patsamba la banki. Nthawi yomweyo, ogwira ntchito opuma pantchito, azaumoyo komanso ogwira ntchito zamaphunziro, komanso apolisi amatha kudalira phindu.
Banki imakumana nthawi zonse ndi makasitomala theka. Ngati obwereketsa ali ndi mavuto azachuma, atha kugwiritsa ntchito ntchitoyi maholide a ngongolepoyimitsa kuti mulipire kwambiri kale 2 miyezi.
3) Alfa-Bank
Pakadali pano, Alfa-Bank sivomereza malo ngati chikole cha ngongole. Komabe, madongosolo angapo osangalatsa a ngongole apangidwa pano.
Apa mutha kupeza ngongole ya ogula kukula mpaka 3 miliyoni rubles... Kubetcha kumeneku kumayamba kuchokera 14.5% pachaka.
Muthanso kupeza kirediti kadi. Pali mapulogalamu ambiri kwa iwo, malire ake ali 1 miliyoni rubles... Ngati mutha kubweza ndalama zomwe munalandira pa khadiyo pasanathe masiku 100, chiwongola dzanja sichidzaperekedwa. Ngati sizingatheke kukumana ndi nthawi yachisomo, milingoyo ikhazikitsidwa pamlingo kuchokera 23% pachaka.
Thandizani kufananizira mapulogalamu a ngongole TOP-3 mabanki tebulo ili m'munsiyi lithandizira.
Mndandanda wamabanki a TOP-3 omwe ali ndi ngongole zabwino kwambiri:
| Banki | Kuchuluka kwa ngongole | Kuchepetsa pang'ono | Makongoletsedwe |
| Sovcombank | Ma ruble 30 miliyoni | 18.5% pachaka | Palibe chifukwa chotsimikizira ndalama Zopindulitsa kwa opuma pantchito |
| VTB Bank of Moscow | 3 miliyoni rubles | 12.5% pachaka | Zokonda kwa opuma pantchito, ogwira ntchito zamaphunziro, zamankhwala, apolisi |
| Alfa Bank | Ma ruble 1 miliyoni ama kirediti kadi ma ruble mamiliyoni 3 a ngongole za ogula | 23% pachaka pamakhadi 14.5% pachaka pamalipiro wamba | Nthawi yayikulu yamakhadi m'mabanki ndi masiku 100 |
Kugwirizana ndi mabanki omwe atchulidwa pamwambapa kumakupatsani mwayi wotsimikiza kuti kubwereketsa ndalama kumakhala kopindulitsa. Kudalirika kwawo kwayesedwa ndi nthawi komanso makasitomala ambiri.
3. Momwe mungapezere ngongole yokhazikika ndi nyumba yokhala ndi chiwembu - magawo ofunikira kwambiri opezera + mwachidule mabanki otchuka a TOP-3 🏦
Muthanso kupeza ngongole yotetezedwa ndi nyumba zakunyumba. Ngongole zamtunduwu zimakhala ndi mawonekedwe ake, zomwe ndizofunikanso kuti muzidziwe bwino.
3.1. Kodi ndi njira ziti zomwe nyumba za mayiko zomwe zalonjezedwa zikhale zofunikira - kufotokozera zofunikira zitatu
Choyambirira, wobwereketsa adzawona nyumba yakunyumba kuti ikukhalamo. Ngati ndi nyumba yokhayo yobwereka, sizokayikitsa kuti nyumbayo itha kukhala chikole.
Zofunika! Malinga ndi malamulo aku Russia, wobwereketsa sindingathe mulandire ngongole kwa wobwereka ngati atakhala kuti alibe nyumba ina.
Palinso zina zomwe nyumba yadziko iyenera kukwaniritsa kuti ikhale chikole:
- malo a mapulogalamu a wobwereketsa;
- nyumbayo ili m'malo osachita mwadzidzidzi, siyingagwetsedwe, sikufuna kukonza kwakukulu;
- Zovuta zitha kuchitika ngati nyumbayo ili yomangidwa ndi matabwa, ili ndi pansi;
- maziko ayenera kukhala opangidwa ndi miyala - yamwala, konkire wolimbitsa kapena njerwa;
- nyumbayo iyenera kukhala ndi mawindo onse, zitseko ndi makoma, denga lake lisadetsedwe.
Ndikofunikanso, kotero kuti munda womwe nyumba yamangidwira ndi wa wobwereka. Umwini umayenera kulembedwa malinga ndi lamulo.
Onani ngati pali dongosolo lamakono la cadastral. Nthaka iyenera kukhala m'malo okhala.
Tiyeni tiganizire zina mwazofunikira pakhomopo.
Chofunikira 1. Nyumba yanyumba ndi ya wobwereka mokwanira
Ngati nyumba yakunyumba ili ndi ya eni angapo nthawi imodzi, sizokayikitsa kuti ivomerezedwa ndi banki ngati chikole. Mabungwe angongole amafuna kuti 100% malo ndi nyumba za wobwereka.
Nthawi zina, mabanki amavomereza kupereka ngongole yotetezedwa ndi nyumba yadziko, ngakhale ngati ali ndi eni angapo. Komabe, pankhaniyi, wobwereka ayenera kupeza chilolezo cholembedwa kuchokera kwa eni ake onse kuti asinthe malowa ngati chikole.
Chofunikira 2. Palibe choletsa ufulu wotaya nyumba yadziko
Mabanki amayenera kuyang'ana malowa kuti sangasungidwe. Nyumba yadziko sayenera kumangidwa, kutulutsa belo, yokhala ndi wina kumanja kwa ufulu wogwiritsa ntchito.
Chikhalidwe china chofunikira ndikuchepa kwamilandu yokhudza ufulu wokhala ndi nyumba yadziko.
Kupezeka kwa mikangano yalamulo yokhudza nyumba kapena malo kumabweretsa kukana kulandira malo ndi nyumba ngati chitetezo.Ngati wina walembetsa kuti avomerezedwe malo ake ngati eni ake kapena kuti magawidwewo agawidwe, kuti mutenge nyumbayo ngati chikole, muyenera kudikirira mpaka kumapeto kwa mlandu.
Zomwezo zikugwiranso ntchito panthaka pomwe nyumbayo yamangidwapo. Nyumba yopanda chiwembu sichisungidwa.
Kuletsa ufulu wowononga nyumbayo kumatha kukhazikitsidwa ikapezeka mkati kutetezedwa ndipo mabacteria madzi... Mwachilengedwe, pankhaniyi, ndalama sizilandiridwa.
Chofunikira 3. Kugwiritsa ntchito njira yolumikizirana
Mauthenga ofunikira ayenera kulumikizidwa ku nyumba yanyumba - magetsi, madzi, Kutentha... Ndikofunikira kuti azigwira bwino ntchito ndipo atha kupereka chitetezo.
Mabanki ena amalola kulumikizana kwapaintaneti - Kutentha kwa zotentha, akasinja amadzimadzi, dizilo magetsi... Komabe, ambiri aiwo samalandira nyumba ngati chikole ngati bafa ili panja.
Ndikofunika kusanthula nyumba yakunyumba pasadakhale kuti ikwaniritse zofunikira. Chifukwa cha ichi, kukana kuvomereza ngati chikole sikungadabwe.
Magawo akulu opezera ngongole yotetezedwa ndi nyumba yanyumba yokhala ndi malo
3.2. Momwe mungapezere ngongole yanyumba - malangizo munjira zisanu
Kupeza ngongole yotetezedwa si njira yophweka. Zinthu zimakhala zovuta kwambiri ngati chitetezo chiperekedwa Kunyumba kutchuthi... Kwa nzika zomwe sizinaphunzire, izi zimatha kutenga nthawi yayitali - kuyambira milungu ingapo mpaka miyezi ingapo.
Zimathandizira kuchepetsa kwambiri kukonza ngongole tsatane-tsatane malangizozopangidwa ndi akatswiri.
Gawo 1. Kupeza banki yoyenera
Chiwerengero chachikulu cha mabungwe obwereketsa chimagwira pamsika wachuma waku Russia. Kusankhidwa kwakukulu kwambiri m'mizinda ikuluikulu. Anthu okhala m'malo ang'onoang'ono ayenera kukhala okhutira ndi njira zomwe zingapezeke.
Ndikofunika kumvetsetsa kuti chisankho chomwe chapangidwa chikhala ndi gawo lachuma kwa wobwereka kwa zaka zingapo. Chifukwa chake, ndikofunikira kuganizira gawo ili. mozama momwe zingathere.
Mbali imodzi, polimbana ndi mpikisano wowopsa kuti akope makasitomala, mabanki ang'onoang'ono am'madera amapanga mapulogalamu ndi mawu osangalatsa.
Ndi wina - kuthekera kwakuti bankirapuse akhale bankirapuse ndizambiri pamwambapa⇑. Izi zimabweretsa mavuto akulu, chifukwa mulimonsemo mudzayenera kulipira ngongole, koma nthawi ino ku banki ina. Izi zitha kudzetsa ndalama zowonjezera ngati ndalama zosamutsira.
Zonsezi zatsimikiziranso kufunikira kwa njira yayikulu yosankhira banki.
Mukamasankha ngongole, muyenera kulabadira izi:
- Banki yodalirika, zomwe zimadziwika ndi kupezeka kwa zisonyezo zantchito. Ngati malipoti onse azachuma amapezeka pagulu, ndiye kuti kampaniyo ilibe chobisa.
- Ndemanga zenizeni. Choyamba, muyenera kudalira malingaliro a anthu enieni - abwenzi ndi omwe mumawadziwa. Ndemanga pa intaneti ziyenera kuchitidwa mozama momwe zingathere, chifukwa zina mwa izo (zonse zoipa ndi zabwino) zimalamulidwa.
- Mavoti - kuyerekezera koperekedwa ku banki ndi mabungwe apadera. Ku Russia, chotchuka kwambiri ndi RA "Katswiri".
- Mndandanda woperekedwa poyerekeza ntchito zamabanki. Amakuthandizani kusankha bungwe lomwe lili ndi pulogalamu yoyenera yobwereketsa. Ku Russia, masamba otchuka kwambiri ndi awa Yerekezerani.ru ndipo Banks.ru.
Akatswiri amalangiza werenganinso nkhani kubanki yomwe mgwirizano ukukonzekera. Simuyenera kutenga ngongole yotetezedwa ndi nyumba yanyumba m'mabungwe angongole omwe akukonzanso kapena kusintha eni.
Gawo 2. Kusanthula kwa zomwe akufuna kuti ngongole ibwereke ndi nyumba ndikusankha pulogalamu yabwino kwambiri
Nthawi zambiri, posankha banki, wobwereka amalemba mndandanda wamabungwe okongoza ngongole, omwe amakhala ndi zinthu zingapo. Kuti musankhe njira yabwino kwambiri kwa iwo, muyenera kuyerekezera ngongole zomwe amapereka.
Pofufuza mapulogalamu, zofunika kumvetsera pazikhalidwe zawo: nthawi, kuchuluka, ndi zofunikira kwa wobwereka ndi chikole. Poterepa, chisankho chiyenera kugwera pulogalamu yoyenera zochitika zina.
Gawo 3. Kukonzekera phukusi la zikalata ndikuwunika nyumba yadziko
Kukonzekera zikalata ndi njira yayitali kwambiri. Chifukwa chake, akatswiri amalangiza kuti asonkhanitse malinga ndi mndandanda womwe ulipo pasadakhale.Ngati banki sinasankhidwebe ndipo sizikudziwika bwino zomwe zikuphatikizidwa ndi zikalata zonse, mutha kuzikonzekeretsa zomwe onse omwe amafuna ngongole amafuna.
Mukamapempha ngongole zotetezedwa ndi nyumba yadziko, muyenera kutolera 2 mndandanda wazolemba – kwa wobwereka ndipo pamutu walonjezo.
Malinga ndi mndandanda woyamba amafunikira pasipoti... Nthawi zambiri, mabanki amafunsidwanso kuti apereke chikalata chachiwirimunthu wodziwika. Zina zonse zimadalira pulogalamu yomwe yasankhidwa. Chifukwa chake, ngati mukufuna kutsimikizira ndalama, muyenera masitifiketi oyenera. Mabanki ambiri amafunikiranso mbiri ya ntchito.
Nyumba yakunyumba muyenera kukonzekera:
- satifiketi yotsimikizira umwini, kapena chotsitsa kuchokera ku USRR;
- chikalatacho pamomwe ufulu wa umwini udapezedwera;
- dongosolo la cadastral;
- pasipoti yaukadaulo;
- satifiketi yonena kuti palibe ngongole za ngongole zogwiritsa ntchito;
- zikalata za umwini pamunda.
Ngati nyumba yakunyumba ili ndi ya eni angapo nthawi imodzi, banki imafunikira chilolezo kwa eni onse kuti asinthe malowa ngati chikole.
Pa siteji yomweyo, kuwunika nyumba yadziko... Kuchuluka kwa ngongole zomwe zingatheke kumadalira phindu lomwe lasonyezedwa mu lipotilo. Mabanki ambiri amafuna kuti kuwunika kuchitike ndi kampani yomwe yatchulidwa. Komabe, izi sizothandiza nthawi zonse.
Oyesa ena omwe achita mgwirizano ndi banki mwadala amanyalanyaza mtengo wanyumba womwe ukuwonetsedwa mu lipotilo. Ndicho chifukwa chake zimakhala zopindulitsa kwambiri kwa wobwereka kuyitanitsa lipoti payekha pakampani yodziyimira payokha.
Njira zowunikirazo zimakhudza kuyesa kwa nyumba yakunyumba, pomwe ntchito zotsatirazi zikuchitika:
- malongosoledwe atsatanetsatane a zolakwika zobisika ndikuwonekera mnyumba;
- kuyang'anira malo omwe nyumbayo idamangidwira kumakhalapo kukokoloka kwa nthaka komanso kulephera kwa nthaka, komanso mavuto ena;
- kuyendera malo, madenga, mawindo, makoma ndi zitseko;
- kusanthula kulumikizana.
Malingana ndi zotsatira za kuyesedwa, lipoti limapangidwa, momwe mtengo wa nyumba ya dziko amawerengedwa, malingana ndi zolephera zomwe zadziwika. Mulingo wachitetezo ulinso ndi gawo lalikulu pamtengo wokhazikika.
Gawo 4. Kusayina mgwirizano
Kutengera zotsatira za kuphunzira zikalata zomwe zaperekedwa, komanso lipoti la kampani yoyeserera, banki ipanga chisankho. Nthawi yakufunsira ntchito ndi mabungwe azangongole ndiosiyana - zingatenge kuyambira masiku angapo mpaka milungu ingapo.
Koma ngakhale banki itapanga chisankho chabwino, ndikumayambiriro kwambiri kuti tisangalale kupambana. Gawo lina lofunikira limabwera - kusaina pangano la ngongole.
Zofunika! Tsoka ilo, mpaka pano si onse obwereketsa omwe amaphunzira mosamala mapangano omwe asainidwa... Nthawi zambiri, izi ndi zomwe zimabweretsa mavuto azobwereketsa.
Muyenera kumvetsera mwatcheru mfundo zotsatirazi za mgwirizano wa ngongole:
- zofunikira - mulingo, nthawi, kuchuluka - ziyenera kugwirizana ndi zomwe zikuwonetsedwa;
- kupezeka ndi kukula kwa ma komishini pamagwiritsidwe osiyanasiyana azachuma;
- njira zolipirira pamwezi, nthawi yolandirira ndalama;
- pamalipiro omwe kubwezeredwa koyambirira ndi pang'ono kumachitika;
- ufulu wa wobwereka monga mwini nyumba yadziko.
Sikuti aliyense wobwereka amamvetsa zonse zomwe agwirizana pangano la ngongole. Poterepa, muyenera kufunsa ogwira ntchito kubanki kuti afotokozere.
Kuphatikiza apo, mutha kufunsa kuti zisinthe pazigawo zina za mgwirizano. Musakhulupirire ogwira ntchito omwe amati mgwirizanowu ndi mwambo wamba.
Gawo 5. Kulandila ndalama ndi kubweza ngongole yotsatira
Nthawi zambiri, mabanki amakono amatulutsa ndalama zanyumba potumiza waya kupita Chogoli kapena mapu... Poterepa, muyenera kufotokoza ngati padzakhala ndalama zolipira.
Gawo lotsatira ndikulipira ngongole. Zimachitika malinga ndi ndandanda, yomwe ndi gawo limodzi la mgwirizano.
Ndikoyenera kulingalira! Ndalama ziyenera kulipidwa munthawi yake komanso mokwanira. Musaiwale kuti kusamvera lamuloli kumabweretsa chindapusa.
Ngati mungatsatire malangizo omwe ali pamwambapa, mutha kusunga nthawi yambiri. Izi ndizofunikira makamaka ngati ndalama zikufunika mwachangu momwe zingathere.
3.3. Komwe mungatenge ngongole yotetezedwa ndi nyumba yadziko - 3 mabanki odziwika bwino
Ngati mukufuna kupeza ngongole, ndikofunikira kugwirizanitsa zolinga za wobwereka ndi pulogalamu yomwe mwasankha. Ngati mukufuna zochepa, sizoyenera kubwereka ndalama pa bail ndikuyika nyumba yanu pachiswe. Poterepa, mutha kugwiritsa ntchito mwayi wopeza ngongole za ogula kapena makhadi a kirediti kadi.
Akatswiri nthawi zonse amawunika mabanki omwe amapereka mapulogalamu abwino kwambiri. Mmodzi wa iwo ali m'munsimu.
1) VTB Bank yaku Moscow
Apa mutha kupeza mpaka 3 miliyoni rubles pamtengo wabwino kwambiri pamsika - kuchokera 13.5% pachaka. Koma mulingo uwu nawonso ndi wocheperako. Kuchotsera kumaperekedwa kwa opuma pantchito, komanso ogwira ntchito zamankhwala, aphunzitsi, oyang'anira zamalamulo.
Kuti mupeze chisankho choyambirira, mutha kulemba fomu yofunsira patsamba la banki. Zambiri za 15 mphindi idzayankhidwa. Chomwe chatsalira ndikuchezera nthambi ya banki ndi zikalata zoyambirira. Muyenera kubweza ngongoleyo nthawi 3 zaka.
2) Sovcombank
Sovcombank - bungwe la ngongole lomwe limapereka ngongole zopindulitsa zotetezedwa ndi malo ndi nyumba, kuphatikiza nyumba yakunyumba. Banki safuna zikalata kuchokera kwa makasitomala kuti atsimikizire ndalama zomwe amapeza pamwezi.
Komanso (+) Ngongole ili ndi zaka zambiri zamakasitomala omwe angakhalepo - nzika zitha kutenga ngongole kuchokera 20 kale 85 zaka.
Ngati mungaganize zokhala ndi ngongole yanyumba, mutha kuwerengera ndalama zake kuchokera 300 chikwi mpaka 30 miliyoni miliyoni... Mwachilengedwe, sizingatheke kupeza phindu lathunthu lamalowo. Banki ipereka osaposa 60% mtengo woyesedwa.
Mlingo wa pulogalamu yomwe ikuwunikidwa wayikidwa pamlingo 18,9% pachaka. Komabe, opuma pantchito ndi omwe amalipira malipiro angayembekezere kuchotsera. Muyenera kubweza ngongole mkati 10 zaka.
3) Alfa-Bank
Alfa-Bank imapatsa makasitomala ake ngongole zopindulitsa za ogula ndi ma kirediti kadi. Gulu lachiwiri ndilotchuka kwambiri.
Banki imapereka imodzi mwamalire akulu kwambiri amakhadi, omwe amafikira 1 miliyoni rubles... Kuphatikiza apo, ngati kuli kotheka kubweza ndalamazo munthawi yachisomo kale 100 masiku, simuyenera kulipira chiwongola dzanja.
Mutha kulembetsa kuti mukhale ndi khadi la kirediti ku nthambi yakubanki komanso patsamba lanu. Kuti mulowetse zambiri mufunsoli muyenera osaposa mphindi 10, chisankho chimapangidwa mwachangu kwambiri. Ngati banki ivomereza pempholi, wobwereka amangoyendera ofesi ndikutenga khadi.
Zofunikira kuphatikiza (+) Alfa-Bank amalimbikitsa chiwerengero chachikulu cha ATM ndi nthambikomwe mungalipire. Kuphatikiza apo, kampani yobwereketsa imapereka mwayi ntchito yapaintaneti ndipo pulogalamu yam'manja... Maofesi aku Bank amatsegulidwa mpaka 9 pm.
Pachikhalidwe, kuti tithandizire kufananizira momwe ngongole ziliri m'mabanki omwe akuwaganizira, tazifotokoza mwachidule.
Mndandanda wamabanki a TOP-3, momwe zinthu ziliri ndi mawonekedwe obwereketsa:
| Wokongoza | Kuchuluka kwa ngongole | Chiwongola dzanja | Makhalidwe a mapulogalamu obwereketsa |
| VTB Bank of Moscow | Ma ruble 3,000,000 | Kuchokera ku 13.5% pachaka | Zotsitsa zimapezeka kwa opuma pantchito, ogwira ntchito zaumoyo, maphunziro ndi kukhazikitsa malamulo |
| Sovcombank | Ma ruble 30,000,000 | Kuchokera ku 18.5% pachaka | Ngongole zopindulitsa zotetezedwa ndi nyumba zakunyumba |
| Alfa Bank | Ndi khadi - ma ruble 1,000,000 Kwa ngongole za ogula - ma ruble 3,000,000 | Kwa makhadi ochokera ku 14.5% Ngongole zochokera ku 23% pachaka | Kuchuluka kwa ngongole - masiku 100 |
4. Kodi ndizotheka kutenga ngongole (ngongole) yotetezedwa ndi malo popanda umboni wa ndalama 💸
M'malo opikisana kwambiri, mabungwe ambiri obwereketsa ndalama amapereka mwayi wopeza ngongole popanda umboni wa ndalama. Mwayi wosankha bwino udzawonjezeka ngati mupereka katundu wodula ngati chikole, Mwachitsanzo malo.
Ngati palibe chikhumbo chopeza ndalama za ndalama, choyambirira, ndikofunikira kulumikizana ndi banki yomwe wobwereka amalandila malipiro. Poterepa, wobwereketsayo amawona ndalama zomwe amalandila popanda zikalata zothandizira.
Ngati pazifukwa zina sizingatheke kuti mutenge ngongole kubanki yolipira, muyenera kuyang'ana wobwereketsa wina. Komabe, muyenera kukhala okonzeka kudziwa kuti ngongole zomwe mungakhale nazo sizikhala zabwino.
Mwa mabanki otchuka kwambiri omwe amapereka ngongole zotetezedwa ndi nthaka popanda satifiketi ya ndalama, pali Sberbank ndipo Rosselkhozbank... Komabe, amangopereka pulogalamuyi kwa makasitomala olipira.
Malangizo 4 othandiza amomwe mungapewere chinyengo ndi chinyengo mukamalembetsa malo ndi nyumba zakunyumba ngati chikole
5. Momwe simukuyenera kuchitiridwa zachipongwe - upangiri wa akatswiri 💎
Kubwereketsa ndi gawo lomwe limalumikizidwa ndi ndalama zambiri. Nthawi yomweyo, kugulitsa nyumba kumatauni ndi chinthu chokwera mtengo, mtengo wake womwe sikuwoneka kuti watsika. Ichi ndichifukwa chake kubwereketsa chitetezo cha zinthu zotere kumakopa anthu ambiri achinyengo.
Zofunika! Wobwereka ayenera kukhala osamala momwe angathere, kuti asataye ndalama zake ndi katundu.
Pansipa pali maupangiri ena omwe mungatsatire kuti mupewe kugwidwa ndi anthu ochita zachinyengo.
Upangiri 1. Bwerekani ngongole kuchokera kwa obwereketsa odalirika
Simuyenera kulumikizana ndi makampani omwe palibe chomwe chimadziwika, ngakhale atapereka mawu abwino. Nthawi zambiri, mapulogalamu ngati amenewa amakhala palibe china koma chinyengo.
Mabanki akulu aboma ndiye njira yabwino yopezera ngongole. Ngakhale ali okhwima kwambiri, amapereka mitengo yochepa. Kuphatikiza apo, mogwirizana ndi mabanki ngati amenewa, chiwopsezo sichichepera.
Langizo 2. Phunzirani mosamala pangano la ngongole
Akatswiri satopa kubwereza – musanasaine pangano la ngongole, ndikofunikira kuti muwerenge mosamala. Ngati zigawo zina za mgwirizano sizikugwirizana ndi wobwereketsayo, ali ndi ufulu wofuna kusintha.
Mabanki nthawi zambiri amapanga ndalama pakusamvetsetsa kwamakasitomala za mgwirizano. Komabe, mitundu ina ya obwereketsa imakonda kuphatikiza misampha pamgwirizano. Ndikofunika kukumbukira kuti zinthu zabwino kwambiri pakapereka ngongole zitha kuwonetsa kukhulupirika kwa omwe amapereka ngongole.
Ndisanayiwale, mukamawerenga mgwirizano, muyenera kuwonetsetsa kuti ngongole zomwe zalembedwazo zikugwirizana ndi zomwe wobwereketsayo akufuna. Nthawi zambiri pazotsatsa, obwereketsa amawonetsa ngongole zabwino kuposa momwe zimakhalira.
Langizo 3. Osasiya zikalata kuti muthe kubweza ngongole
Simuyenera kupereka zikalata zoyambirira ngati chikole changongole. Choyamba, izi zimakhudza pasipoti. Sayenera kusiyira ngakhale ogwira ntchito kubanki.
Ndikofunika kukumbukira, kuti pakati pa ogwira ntchito pantchito yangongole azikhala zachinyengokomanso awo omvera... Pasipoti yapachiyambi nthawi zambiri imagwiritsidwa ntchito kupeza ngongole za eni ake.
Langizo 4. Osasamutsa ndalama kupita kwa oimira ndalama musanalandire ngongole
Chiwerengero cha anthu omwe akuthandizira kupeza ngongole chikukula pa intaneti. Amakopa makasitomala ndi zopindulitsa, mawebusayiti owoneka bwino, kutsatsa kwamaganizidwe.
M'malo mwake, sizovuta kusiyanitsa pakati kwenikweni ndi achinyengo. Achinyengo amafuna kuti aziyika ndalama zambiri PAMBUYO momwe ntchitoyi iperekedwere. Amanena kuti apeza chisankho choyenera pempho, koma kuti alandire ngongole, ayenera kulipira ntchito... Mwachilengedwe, mutasamutsa ndalama, kasitomala amasiyidwa opanda iwo komanso opanda ngongole.
Pofuna kupewa kugwidwa ndi anthu ochita zachinyengo, ndikofunikira kusankha munthu wapakatikati mosamala. Kuti muchite izi, muyenera kuwonetsetsa kuti kampaniyo idalembetsedwa mwalamulo ndipo ili ndi mbiri yoyera. Muthanso kufunsa ndi loya wodziwa zambiri, werengani ndemanga za makasitomala.
Kupezeka kwa malo ogulitsa mtengo, Mwachitsanzo, malo okhalapo kapena nyumba yakumidzi, kumawonjezera ↑ mwayi chisankho choyenera pa pempho la ngongole.
Komabe, ndikofunikira kupeza ngongole zoterezi kokha m'makampani odalirika, koposa zonse m'mabanki akulu. Izi zimakuthandizani kuti mutsimikizire kuti wobwerekayo sadzataya ndalama ndi katundu.
Pomaliza, tikukulangizani kuti muwonere kanema wazomwe achinyengo angachite akalandira pasipoti yanu:
Ndizo zonse kwa ife. Gulu la malingaliro a Moyo lifunira aliyense zabwino zonse pankhani zachuma. Ngati muyenera kutembenukira kwa omwe amakongoletsani kuti akupatseni ndalama, zikhale mapulogalamu okhawo opindulitsa kwambiri.
Musaiwale kusiya ndemanga zanu, ndemanga ndi ndemanga zanu, komanso kugawana nawo zinthuzo ndi anzanu. Mpaka nthawi yotsatira!