Kodi ngongole - ubwino ndi zovuta za ngongole ya ngongole

Kawirikawiri mabanki amanyengerera anthu omwe ali ndi ngongole yabwino, pamene mwamsanga mukhoza kupeza nyumba zanu. Pa nthawi yomweyi, alangizi amatsalira mwakachetechete pa zomwe ngongole ikugwiritsira ntchito, ndizochitika zotani, komanso chiopsezo chotaya pakhomo komanso ndalama. Musanayambe kubwereka ngongole, sizongoganizira kuti muyambe kukambirana zogulitsa ngongole m'mabungwe ambiri azachuma.

Kodi ngongole ndi yotani?

Mawu akuti "ngongole" akukongoletsedwa kuchokera ku Agiriki, potanthauzira amatanthauza "pledge". Ngakhale kuphunzira zofuna za mabanki, sikuti anthu onse amatsogoleredwa ndi momwe ndalama zogwirira ntchito zimagwirira ntchito. Poganizira za nkhani ya ndalama, mabanki ena amaganiziranso ndalama zomwe amapeza pakhomo pawo, kuchitira mwamuna ndi mkazi wake ngati alipira ngongole. Ndondomeko ya ngongole ndi yophweka:

1. Wopereka ndalama amatenga ndalama ku banki ndipo ikawongolera, ndalamazo zimachotsedwa, ndipo nyumba kapena galimoto imakhala malo ake.
2. Ngati wothandizira sangathe kulipira, katunduyo wagulitsidwa, gawo limodzi la ndalamazo likuzimitsidwa ngongole, poganizira chidwi.

Kodi ngongole ya nyumba ndi yotani?

Kawirikawiri anthu amatenga ngongole kugula nyumba, ndipo mabanki amapita kukakumana. Imeneyi ndi imodzi mwazinthu zogwirira ntchito za banki - ngongole yobwereketsa nyumba. Kodi ndikuyesa bwanji kubwereka? Banki imanyamula nyumbayo mwamsanga, osati pamene ndalama zonse zilipidwa. Ngati tikukamba za nyumba zogulitsa ngongole, ndizofunikira pang'onopang'ono kuti tipeze nthawi izi:

• kaya ndizotheka kulipira malipiro oyenera mwezi uliwonse kwa zaka zambiri;
• kaya mungathe kulipira banki ngati mutataya ntchito yanu.

Poganizira zoti apereke ngongole kapena ayi, banki ikuganizira ngati ochita kasitomala angakwanitse kupereka malipiro a mwezi uliwonse, choncho gawo lalikulu likuwonetsedwa ndi malipiro, ndalama zokhazokha zimagwiritsidwa ntchito. Mabungwe ena azachuma amalingalira ndi ndalama zina, zomwe zimapangitsa mwayi wa wobwereka, koma osati makasitomala onse amavomereza kulengeza ndalamazo.

Kodi chiwongoladzanja ndi chiyani?

M'mayiko ambiri, boma likukumana ndi mabanja omwe akusowa nyumba, mapulani, ndi ngongole yobwereka. Kodi ngongole yothetsera chikhalidwe cha anthu ndi ndani amene ali ndi ufulu wochita nawo:

1. Mipata yomwe nyumba siilipo potsata malonda.
2. Anthu omwe akudikirira mzere kukonza malo awo okhala.
3. Mabanja aakulu.
4. Omaliza maphunziro a nyumba za ana amasiye.
5. Ogwira ntchito za bajeti.

Dziko limapatsa anthu otero ngongole pamasewero apadera, omwe amapereka ndalama zogulitsa katundu. Chosankha chachikulu ndi banki, ngati banja liribe ndalama zolipira zomwe zidzabwezeretse ngongole, ndiye bungwe la zachuma liyenera kukana. Ndalama zogulitsa ndalama zimaphatikizapo mapulogalamu a asilikali ndi mabanja achichepere, chifukwa chazimene zimaperekedwa kuti ndalama zikhale zoperekedwa:

1. Kuchokera M'ndende . Banki imayang'ana ndalama zomwe zinasonkhanitsidwa pa akaunti ya msilikali, makamaka kugula nyumba. Zonse zimaperekedwa ndi boma.
2. Kuwombola mabanja achichepere . Kwa iwo, boma likulipira gawo limodzi mwa magawo atatu a ndalamazo. Pali zinthu ziwiri zofunika:
   • zaka - osati zaka 35;
   • ayenera kuima pamzere wa nyumba.

Mitundu ya ngongole

Akatswiri ali ndi ngongole zingapo zotchuka:

1. Pa malo enieni.
2. Ku nyumba kapena nyumba ya dziko.
3. Pa nyumba.
4. Pa nyumba zatsopano.
5. Ku chipinda.
6. Kwa kanyumba.

Kubwereka kwa nyumba zapadera - kuchita mabanki ambiri, mitengo - kuyambira 8 mpaka 15%. Pali mitundu yosiyanasiyana yobwereketsa ngongole, kusiyana kwake kumangopereka ndalama zokhazokha: kuchokera 10 mpaka 50%. Ogulitsa amaphunzira mosamalitsa zonse za malonjezano ndi ndalama za wobwereka ndipo angakane ngati:

• nyumba zimagulidwa kuchokera kwa achibale;
• pambuyo pa imfa ya yemwe kale anali mwiniwake, miyezi isanu ndi umodzi inatha;
• wobwereka ali ndi ana osakwana zaka 18;
• mmodzi wa eni-eni ake ndi wosayenera.

Mabanki amamvetsera mwatcheru momwe zinthu zimagwirira ntchito, pamene ngongole imatulutsidwa kuti igule nyumba. Choncho, mwayi woti iwo apereke ndalama ku nyumba m'nyumba, malo a hotelo kapena ku hostele ndi ochepa kwambiri. Kuvala kwa nyumba sikungapitirire zaka 55. Kuyika kwa nyumbayo kumagwirizana ndi zithunzi za BTI. Chifukwa chake, ngati pangakhale kusintha, bankiyo ili ndi ufulu wokonzekera kusintha malamulo omwe apangidwa.

Kodi ndi bwino kutenga ngongole?

Ngongole yobwereka imadalira mwachindunji mtengo wa chiwongoladzanja cha ndalama. Zimagwiritsidwa ntchito ngati ndalama zabwino zogulitsa katundu, ngati ndalamazo zacheperachepera, chifukwa chiwongoladzanja chobwezera chichepetsedwa. Koma mabanki ambiri amalingalira nthawi zonse, choncho mgwirizano uli ndi chiwerengero chachikulu, pamwamba pake chomwe chiwongoladzanja sichikhoza kuwuka. Ngati muli ndi mwayi, banki ikhoza kubweza ngongole, koma si onse mwayi, osati nthawi zonse.

Zotsatira za ngongole

Ubwino wa ngongole ndi yakuti nyumba ingapezeke mwamsanga. Mungagwiritsenso ntchito mawonekedwe a boma, monga chiwongoladzanja cha chiwongoladzanja pa ndalama zachikwama. Aliyense ali ndi ufulu wopereka msonkho wa msonkho, zomwe zimabweza ndalamazo, ndipo zimapereka chiwongoladzanja. Kamodzi pa mwezi, msonkho wa msonkho kuchokera ku malipiro a kasitomala wabwezedwa.

Kuti mulandire mwayi wotere, m'pofunika kupereka msonkho pachaka:

• zolemba pa ufulu wa umwini;
• chivomerezo ndi kusintha;
• zokhudzana ndi kubweza ngongole.

Zoipa za ngongole

Phindu la ngongoleyi ndi lodziwikiratu, koma palinso zovuta, chodziwika kwambiri ndi kubweza ngongole. Popeza kuti ngongoleyi yapangidwa kwa zaka zingapo, ndalamazo ndi zooneka bwino. Palinso zinthu zolakwika izi:

1. Simungagule kapena kugulitsa nyumba, lembani mamembala ena.
2. Ngati palibe ndalama zogulira, bankiyo ili ndi ufulu wogulitsa nyumba yobwereka.
3. Zaletsedwa kubwereka nyumba.

Ndi chiyani chomwe chili bwino - ngongole kapena ngongole?

Kawirikawiri anthu amazengereza: kodi ngongole yopambana kapena yobwereketsa ndi yotani? Yankho liri losavuta: ngongole imapindulitsa kwambiri kwa wogula, ndipo ngongole ikugulitsa kwa banki. Ngongole yobwereka imalepheretsa anthu kugwiritsira ntchito nyumba, pokhapokha ngati wogulitsa ngongoleyo atha kuswa mgwirizanowo ndikufuna kulipira ngongole yonseyo. Ndipo ndi ngongole popanda ndalama zogulitsa zimatha kugulitsa nyumba ndikulipira ndi wobwereketsa, sikuletsedwa kutaya katundu. Choncho, yankho ndilowonekera, koma chisankho cha wogula chimadalira zinthu zambiri.

Ndi chiyani chomwe chili bwino - ngongole kapena ngongole?

Chifukwa chofuna ndalama zambiri, makasitomala ambiri amasankha nthawi yaitali, akukayikira pakati pa ngongole ndi ngongole. Ndipo kaŵirikaŵiri amasankha kukondwera ndi omaliza. Chinthu chachikulu ndicho kupeza guarantors, ndalama zomwe zilipo zomwe siziyenera kukhala zochepa kuposa za wobwereka. Kodi ubwino wa pakhomo?

1. Nyumbayi imakhalapo.
2. Tengani nyumbayo banki sikhoza.

Kodi mukuyenera kutenga chiyani?

Kuti mutenge ngongole, muyenera kukonzekera mapepala oyenera. Wogulitsa ngongole angafunikirenso zikalata zina zolembera ndalama, photocopies za pasipoti za mamembala. Okwanira anzawo ndi ogulitsa amapepala zithunzi za zikalata. Pambuyo pake, kodi ngongole ndi yotani? Iyi ndi ngongole ya nthawi yaitali pamsenje. Choncho, muyenera kupereka chithandizo chokwanira kubanki, kafukufuku wa banki ndi kujambula:

• pasipoti;
• sukulu ya inshuwaransi ya penisheni ya inshuwalansi;
• code identification;
• tikiti ya usilikali kwa amuna okalamba;
• zolemba pa maphunziro;
• chikalata chaukwati kapena chisudzulo;
• zolembera za ana;
• Buku la ntchito, lovomerezedwa ndi abwana;
• zolemba za ndalama.

Kodi n'zotheka kubwezera ngongoleyo pasanapite nthawi?

Nthawi zina anthu amatenga ngongole pogwiritsa ntchito ndalama zambiri, zomwe zidzabwezere ngongole kale. Mabanki amakulolani kuti muthe kulipira ngongole pa imodzi mwa machitidwe.

1. Kusiyana. Chiwerengero chonse cha chidwi ndi chiyambidwe chimalipiridwa mu magawo ofanana, panthawi imene mgwirizanowu ukugwira ntchito. Njira imeneyi ndi yopindulitsa kwambiri kwa wogula, popeza ngongole ndi chiwongoladzanja zimachepa panthaŵi yomweyo.
2. Zambiri. Choyamba, chiwongoladzanja chilipiridwa, ndiyeno - gawo lalikulu, mtengo wa ngongole ikhoza kulipidwa pokhapokha mutapereka chiwongoladzanja. Chidwichi chimaganiziridwa pa nthawi yonse ya ngongole.

Pofuna kubwezera ngongole yobwereketsa, muyenera kulemba kalata kuntchito ya ndalama kwa masiku 30. Ndi bwino kuwerenga mfundo zokhudzana ndi inshuwalansi, chifukwa wolembayo ali ndi ufulu kubwezera kuchuluka kwa inshuwalansi, koma osagwiritsidwa ntchito. Izi zingagwiritsidwe ntchito kuzinthu zonse za ngongole ndi katundu. Pambuyo pokonzanso kwathunthu ndi banki muyenera kutenga chikalata chotsatira kwathunthu zofunikira.

Kodi mungabweretse bwanji chiwongoladzanja pa ngongole?

Ndi anthu ochepa chabe omwe amadziwa kuti wogulawo ali ndi mwayi wobwezera chiwongoladzanja pa ngongole ya ndalama, ngati atenga mwayi wopindula ngati "msonkho wogulitsa msonkho". Chinthu chachikulu ndikuwonetsa kuti cholinga cha ngongole ndi kugula nyumba. Ndiye funso ndi kubweranso kwa chiwongoladzanja kumeneku kumathetsedwa mosavuta. Gwiritsani ntchito mwayi umenewu kamodzi kokha. Kodi ndizifukwa zotani zomwe zopindula siziperekedwa?

1. Ngati mwini nyumba ali pantchito.
2. Ngati nyumba idagulidwa ndi amalonda pa bizinesi.
3. Ngati wogulitsa ndi wogula ali ndi mgwirizano wogwirizana kapena wogwira ntchito.

Ndikofunika kufalitsa zikalata ndi woyang'anira msonkho, chisankho chobwezera ndalama chimatengedwa mkati mwa mwezi. Kodi mapepala oyambirira ayenera kukhala otani?

• zolemba pa ufulu wa umwini wa malo amoyo;
• kulandira ndi kusamutsa nyumba;
• mgwirizano wogulitsa;
• mgwirizano wa ngongole pa ngongole;
• makope a zikalata za kulipira, komwe kulipira kwa chiwongoladzanja ku banki.