Ngakhale sikutheka kuthetsa chiwerengero ichi cha kulimbikitsa mabanja omwe ali ndi ana, pali njira zambiri zogwiritsira ntchito ufulu wokonza ndalamazi. Kuphatikizanso, mabanja omwe ali ndi chiphasocho ali ndi ufulu kulandira ngongole yomanga nyumba ya chibwibwi kapena kubwezera ngongole yomwe idaperekedwa kale. M'nkhani ino, tiona zovuta za ndondomekoyi ndikukufotokozerani zikalata zomwe mungafunikire kuti muthe kulipira msonkhanowu kuti mulandire malipiro kapena kubweza ngongole.
Kodi mungatani kuti mutenge ngongole yomanga nyumba ya chiwongoladzanja?
Pofuna kubwereka ngongole yomanga nyumba pogwiritsira ntchito ndalama za makolo monga gawo la malipiro oyambirira, muyenera kutumiza kalata yolembera ku banki kapena bungwe lina la ndalama ndi pempho kuti mupereke ndalama zofunikira. M'menemo, muyenera kufotokozera ndalama zomwe mukufuna kuzilandira, ndi momwe mukukonzekera kuti muzitsatira. Ndiponso, bankiyo imayenera kupereka chithunzi cha kalata ya makolo.
Ndikoyenera kudziwa kuti malipiro oterewa sachitidwa ndi bungwe lililonse la ngongole. Monga lamulo, ngongole pogwiritsa ntchito njira zothandizira anthu, zimatumizidwa ku Sberbank wa Russia kapena VTB 24 Bank.
Pambuyo pa ngongole ikuvomerezedwa, muyenera kupita ku Kampani ya Aphungu pa adiresi yolembera kalata ndi kulembera kuti mupereke gawo kapena ndalama zonse za kubereka kubweza ngongole yomanga nyumba. Kuti ntchito yomwe ikubwerayo idzavomerezedwe, muyenera kusonkhanitsa malemba angapo, monga:
- mgwirizano wa ngongole, momwe cholinga chokongoletsera ndalama chiyenera kusonyezedwa - kumanga nyumba yokhala ndi malo okhala pamalowo;
- zolemba zalamulo pa dziko lino;
- chilolezo chokhazikitsa nyumba yomanga;
- ovomerezeka ku ofesi ya ofesi yolemba udindo kugawira magawo ku nyumba yokhazikika kwa msilikali wamatchuti, mwamuna wake walamulo ndi mwana aliyense payekha.
Kuonjezerapo, ngati kumanga nyumbayi sikudzachitika ndi mphamvu za banja, koma ndi kugwira ntchito kwa kampaniyi, kuwonjezera pamenepo mudzayenera kupereka kopi ya mgwirizano ndi bungwe ili.
Mofananamo, amaloledwa kutumiza ndalama za kubereka kuti abwezere ngongole kumanga nyumba yogona. Pazochitika zonsezi, simukuyenera kuyembekezera kuphedwa kwa mwana wamng'ono wa zaka zitatu - mumaloledwa kugwiritsa ntchito mwamsanga pomwe mutalandira chikole cha banja.