Kukula kwa kholo lalikulu lero kuliposa 453,000 rubles. Ndalamayi ndi yofunika kwambiri kwa anthu okhala m'midzi yonse ya Russia, kuphatikizapo mizinda ngati St. Petersburg ndi Moscow. Ndicho chifukwa chake mabanja achichepere omwe adalandira kalata yoti akhale ndi ufulu wokonza malipiro awo, maloto ogwiritsira ntchito kuthetsa mavuto awo ndikupeza chinachake chomwe sichikhoza kugula popanda kukopa.
Kutenga ngongole ndalama zambiri sizingakhale choncho nthawi zonse, popeza wobwereketsa akusowa chitsimikizo chakuti wobwereketsa adzatha kubwezeretsa mtsogolo. Kulandira kalata iyi, mabanja ambiri akukonzekera kuti agwiritse ntchito pazinthu izi, ndiko kuti, kuti apereke ngongole pa ndalama zazikulu zobereka. Ndondomeko yotereyi n'zotheka, koma pokhapokha ngati pali maonekedwe ena ake.
M'nkhani ino tidzakulangizani momwe mungagwiritsire ntchito ngongole ya ndalama zazikulu za amayi oyembekezera, ndipo pazimenezi sizikusemphana ndi lamulo.
Kodi n'zotheka kubweza ngongole ya amayi oyembekezera?
Ndalama zonse za kholo lalikulu, kapena gawo lake, monga lamulo, zingathe kuwongolera kusintha moyo wa banja lachinyamata, kuonjezera kuchuluka kwa ndalama za penshoni ya amayi amtsogolo, kukonza malo okhala ndi mwana wolumala, komanso kulipira maphunziro a ana mu malo osungira maphunziro ndi kukhala kwawo .
Choncho, lamulo silikugwiritsani ntchito njira iyi yothandizira ndalama kuti lipereke kapena kubwezera ngongole. Komabe, pansi pa likulu la amayi, mukhoza kutenga ngongole yogula kapena kumanga nyumba. Monga lamulo, pakadali pano, ngongole yobwereketsa ikugwiritsidwa ntchito, momwe chinthu chogulitsidwa cholowa cha malonda chogulitsidwa chimalonjezedwa.
Kuonjezera apo, pansi pa ndalama zazikulu za amayi omwe ali ndi amayi oyembekezera, ngongole yowonongeka ikhoza kuthandizidwa kukonzanso mkhalidwe umene banja limakhala. Pachifukwa ichi, mawu a mgwirizanowo wopereka ngongoleyi ayenera kufotokoza cholinga cha ndalamazi, zomwe sizikutsutsana ndi pulogalamuyi, ndizo:
- kugula nyumba, pandezidenti ndi pamsika woyamba, kusonyeza makhalidwe ake, kuphatikizapo aderesi ya malo;
- Kumanga nyumba yokhala pakhomo lanu pothandizidwa ndi makontrakitala kapena nokha;
- kugawana nawo;
- malipiro a gawo lolembetsa ku mamembala ogwira ntchito ogwirizanitsa ndi kumanga zomangamanga.
Pazochitika zonsezi, mwiniwake wa kalatayi sangathe kulandira ndalama kubwereka m'manja mwake. Pambuyo povomerezedwa ndi zofunidwazo ndi Pulezidenti ya Pensheni, ayenera kutumizidwa ku akaunti ya wogulitsa popanda kukonzanso ndalama. Tiyenera kudziwa kuti kubweza ngongole pogwiritsira ntchito njira za kholo, simukuyenera kudikirira mpaka mwanayo atha zaka 3. Mungagwiritse ntchito ku bungwe la ngongole kwa ngongole, mutangotenga kalata.
Kuchokera pa zomwe tatchulazi, sikutheka kutenga ngongole ya ndalama kwa ndalama za chibadwidwe, komanso, ichi ndi kuphwanya kwakukulu malamulo a Russia. Komabe, ngati mukufuna kugula chinthu chosakwera mtengo, mpaka 31.03.2016 mukhoza kutulutsa ndalama 20,000 kuchokera ku ndalama za malipiro awa ndi kuzigwiritsa ntchito pazinthu zilizonse m'malo mwa ngongole ya wogula kapena gawo lake.
Ndi mabanki omwe amapereka ngongole ya chiwongoladzanja cha amayi?
Makampani ambiri a ngongole sakufuna kulankhulana nawo chifukwa chazoopsa zalamulo, choncho mndandanda wa mabanki kumene mungapeze ngongole ya malipiro awa ndi ochepa. Makamaka, n'zotheka m'mabungwe monga:
- Sberbank;
- "VTB";
"Genbank"; - "Asia-Pacific Bank";
- Levoberezhny Bank;
- "Banki ya Mikungudza";
- Bank Intercommerts;
- Khanty-Mansiysk Bank;
- "Far East Bank";
- "DeltaCredit";
- Uralsib.