Kodi n'zotheka kulipira ngongole ya wogula ndi kholo la kholo?

Pakalipano, nzika yambiri ya ku Russia imalemedwa ndi maudindo a ngongole. Mabanja ambiri amasankha kuti asachedwe kugula zipangizo zamtengo wapatali, magalimoto ndi zinthu zina, koma kugwiritsa ntchito ntchito za banki ndikupereka ngongole yobwereka kwa nthawi yaitali.

Pakalipano, anthu ena angakhale ndi mavuto okhudzana ndi kufunikira kubwezera mwezi uliwonse gawo la ngongole, komanso chidwi pa mgwirizano. Ngati, pa nthawi imodzimodziyo, wobwereka ali wokondwa mwini wa kalata yopezera ndalama za amayi, akhoza kukhala ndi funso ngati angagwiritsidwe ntchito kubwezera ngongole ya wogula. M'nkhaniyi tiyesa kumvetsa izi.

Kodi n'zotheka kutseka ngongole ya wogula ndi kholo la kholo?

Njira zovomerezeka zogulitsa ndalama za amayi oyembekezera zimatsatiridwa ndi malamulo omwe alipo tsopano. Malingana ndi lamulo, nkofunika kuti mutseke kapena kubwezera ngongole pogwiritsa ntchito ndalamayi, koma ngati ngongole inaperekedwa ndi wogulitsa ngongole pofuna kupeza kapena kumanga nyumba, ndipo mkhalidwe umenewu uyenera kuti ulembedwe pamsonkhano wa ngongole .

Kuchokera pa izi, sikutheka kulongosola ndalama za amayi akubwezeredwa kubweza ngongole ya wogula, chifukwa nzikayo imachotsa ngongoleyi yokhayokha, ndipo chikalata chake pa chithandizo chake sichisonyeza kulikonse komwe iye akupereka. Mwa njirayi, izi zimagwiranso ntchito pazimene ndalama zogula ngongoleyo zimagula nyumba kapena kutseka ngongole yobwereketsa, komabe poyamba cholinga chake chikanakhala chirichonse.

Pakalipano, ngati ndalama za ngongole sizing'ono kwambiri, kholo lalikulu likhoza kuthandiza kulipira kwathunthu kapena mbali. Choncho, mpaka 31.03.2016 mayi aliyense yemwe ali ndi ufulu wotaya malipirowa ali ndi ufulu wolemba ku Pulasitiki ya Pension ndipo amalandira ndalama zokwana 20,000. Ndalamayi ikhoza kugwiritsidwa ntchito pazifukwa zilizonse pempho la banja, kuphatikizapo kubwezeredwa kwa ngongole ya ogula.

Kodi n'zotheka kutenga ngongole kwa ogulitsa amayi?

Mabanja ena omwe ali oyenerera ndalama zazikulu zobereka akuyesetsanso kukhazikitsa ngongole ya ogula kuti azimitseke ndi ndalama zomwe amapereka. Milandu yambiri izi ndi kuphwanya malamulo, komabe, pali zosiyana.

Lero, mabanki ena amakulolani kuti mupereke ngongole yogula ogula pogwiritsa ntchito njira za kholo lalikulu. Pachifukwa ichi, pakukonza mgwirizano, kusankhidwa kwa ndalama zomwe zimabweretsedwa ku ngongole yam'mbuyo yam'mbuyo, ndizofotokozedwa mwatsatanetsatane za chinthu chokhala ndi malo okhala. Makamaka, ngati chinsinsi cha banja chikugwiritsidwa ntchito kulipilira kugula nyumba, zizindikiro zonse za nyumbayo ziyenera kusonyezedwa mu mgwirizano wa mgwirizano, komanso adiresi ya nyumbayo.

Tiyenera kuzindikira kuti ngakhale pakadali pano mwiniwake wa kholo lalikulu sangathe kulandira ndalama zake zonse. Pambuyo povomerezedwa ndi kugulitsa kwa m'tsogolo ndi Pulezidenti ya Pension ya Russian Federation, malipirowo adzatumizidwa ku akaunti ya wogulitsa ndi kutumiza kwa banki.