Zamkatimu
Zilibe kanthu kaya mwakwatiwa kapena ayi, koma akafika zaka 30, mkazi aliyense amafuna kukhala ndi chisa chake. Malo omwe mukufuna kubwerera, ndi mkati momwe mumayika kukoma kwanu, malingaliro anu, moyo wanu. Nyumba yomwe mumadziwa mbiri ya chinthu chilichonse, komanso mikwingwirima yake yonse. Kumene zonse ndizodziwika bwino komanso zodziwika bwino. Koma bwanji ngati palibe phewa la mwamuna pafupi? Zikuoneka kuti chirichonse n'zotheka! Wolemba Wday.ru adatsimikiza za izi kuchokera pazomwe adakumana nazo.
Ndili ndi zaka 31 ndipo banja lathu linatha. Kuphatikiza pa zaka zisanu zaukwati, ndili ndi zipinda ziwiri ndi kukonzanso ziwiri, motsatana. Ndikuvomereza, kuchoka ndikugawana chachiwiri kunali kovuta kwambiri kuposa kusudzulana. Analidi zomwe ndimafuna. Ndipo chofunika kwambiri, chinali ndi khitchini yabwino kwambiri.
Popeza chisudzulo chitatha m’dera limene ndinasamukira ku Moscow, nyumba yabwino inatsala ya mkazi wanga wakale. Chifukwa chake, adandilipira ndalama zolipirira ndipo adakhala m'nyumba yabwino. Ndinayeneranso kufufuza, kusankha, kugula, kupanga ndi mawu atsopano kwa ine "ngongole". Koma chofunika kwambiri, chinayenera kuchitidwa payekha, popanda thandizo ndi chithandizo cha mwamuna.
Momwe mungasankhire
Ndisungirako, ndinagula nyumba yomwe ikumangidwa. Zinali zopindulitsa kwambiri pankhani yazachuma, ndipo nyumba yatsopanoyi ndi yosangalatsa kwambiri kuposa nyumba yachiwiri. Koma poika ndalama pa ntchito yomanga, mukuchita ngozi mulimonsemo. Ndipo kuti zikhale zochepa, khalani ndi maganizo oyenera pakusankha nyumba yanu yamtsogolo. Chifukwa chake, pamasamba a mabanki onse akulu pali mndandanda wovomerezeka wa opanga, malo, kuchuluka kwa masitolo ndi chaka chotumizidwa kwa chinthucho. Izi ndi nyumba zomanga zomwe banki iyi imayika ndalama zake. Izi, ndithudi, si chitsimikizo chokwanira kuti kukwera kwapamwamba kudzamalizidwa pa nthawi, koma osachepera ena.
Choyamba, sankhani malo. Chonde dziwani kuti m'mizinda ikuluikulu komanso pafupi ndi Moscow, mitengo idzakhala yokwera kwambiri. Kusiyana kwa makilomita kungakhale kosaposa 10, koma ndalama ndi pafupifupi miliyoni. Mwachitsanzo, nyumba ya chipinda chimodzi m'nyumba yatsopano ku Krasnogorsk, Dolgoprudny, Mytishchi ndi mizinda yofananayo idzagula pafupifupi 3,9 miliyoni rubles, ndipo pang'ono m'deralo - Lobnya, Skhodnya, Nakhabino, etc. - mukhoza kusunga. mkati mwa 2,8 miliyoni.
Phunzirani malo a chinthu chomwe mumakonda, werengerani momwe mudzagwirire ntchito. Ndipo onetsetsani kuti mupite ku chinthucho, muyang'ane ndi maso anu. Zowonadi, nthawi zambiri wopanga amalonjeza kupezeka kwa mayendedwe, koma kwenikweni zonse sizili bwino. Ngati palibe galimoto, yang'anani malo omanga pamtunda wa siteshoni. Tsopano masitima apamtunda amagetsi amayenda pafupipafupi, ndipo musalole kuti akuwopsezeni.
Mwa njira, kupita kumalo omanga nokha sikusangalatsa mokwanira. Kawirikawiri, maofesi ogulitsa amakhala pakati pa maenje, misasa ya antchito ndi agalu osokera. Inde, nyumba zogona zotere zimapeza zomanga nyumbazo zikayamba kugwira ntchito. Chifukwa chake ndikwabwino kupeza kampani yama quest otere!
Momwe mungapezere ngongole yanyumba
Kupatula kuti mumalembedwa ntchito (mwakhala mukugwira ntchito pamalo amodzi kwa nthawi yopitilira chaka, muli ndi malipiro), banki imavomereza kubwereketsa nyumba popanda vuto lililonse. Kusonkhanitsa zikalata nakonso sikovuta, iwo ali ndithu muyezo.
Poyamba, mumalemba mafunso ku banki. Lili ndi deta yanu yonse pamalipiro, ndalama zomwe mukufuna kubwereka kubanki, ndi chinthu chomwe mukufuna kugula.
Pambuyo poyang'ana fomu yofunsira ndikuvomereza ngongole, banki idzapereka mndandanda wa zolemba zofunika. Ambiri a iwo nthawi zonse amakhala ndi wopanga.
Momwe mungawerengere kuchuluka kwa ngongole
Mukalowa kubwereketsa, kumbukirani kuti ngakhale mutamanga bwino, nyumbayo idzaperekedwa kwa inu munthawi yake nthawi zina. Nthawi zambiri, ndi koyenera kuwerengera bwino ndalama zomwe mudzapatsidwe kubwereketsa, poganiziranso lendi ya nyumba.
Mwachitsanzo, ngati nyumba imawononga 2,5 miliyoni ndikuyika theka, ndiye powerengera kuti mumalandira ma ruble 50 pamwezi ndikubwereketsa kwa zaka 15, ndiye kuti malipiro a mwezi ndi ma ruble 16. Chifukwa chake, ndalama zochepera zomwe adaziyika, malipirowo amakulirakulira.
Ngati muli ndi 20% yokha ya ndalama zomwe zimafunikira (izi ndizolipira zochepa), ndiye kuti pamikhalidwe yomweyi muyenera kulipira pafupifupi ma ruble 26 pamwezi.
Mwa njira, ambiri amafuna kubwereketsa ngongole kwa nthawi yochepa, amati, adzabwezera mwamsanga ndikuyiwala. Koma ndi kopindulitsa kwambiri kutenga ngongole kwa zaka zambiri. Yang'anani manja anu: kuchuluka kwa zaka, kutsika kwa malipiro. Malipiro ang'onoang'ono, ndalama zambiri zaulere zimakhalabe zomwe zingathe kuimitsidwa. Mukasunga, ndalamazi zitha kugwiritsidwa ntchito pobweza msanga ngongole yanyumba. Ndipo zimenezi n’zopindulitsa, chifukwa m’zaka zoyamba ndalama zambiri zomwe mumalipira pamwezi zimapita kubanki kukabweza chiwongoladzanja, ndipo kagawo kakang’ono kokha kamalipire ngongole yaikulu. Ndi ndalama zopulumutsidwazi, mutha kuchepetsa ngongole yayikulu ndipo, chifukwa chake, osalipira kubanki. Ndipo panthawi imodzimodziyo, mukhoza kuchepetsa chiwerengero cha zaka zangongole kapena kuchuluka kwa malipiro a mwezi uliwonse, monga mukudzipangira nokha.
Ikani pambali ndalama zomwe zasungidwa: mudzafunika pafupifupi 15 zikwi za inshuwaransi (mpaka chinthucho chiperekedwa, pambuyo pake inshuwalansi idzagula pafupifupi 5 zikwi rubles)
Ndinadikira chaka kuti ndipeze makiyi anga. Ndipo chaka chino sichinali chophweka. Inde, kulipira ngongole pamodzi ndikosavuta. Ndinayenera kuyatsa austerity. Ndinachedwetsa kuyenda, ndinasiya kugwiritsa ntchito njira zodzikongoletsa, kuchepetsa kudya m’malesitilanti komanso kugula zovala. Zofunika kwambiri zokha zomwe zidatsalira pamndandanda wa ndalama.
Nditalandira makiyi, ndinakhala miyezi ingapo ndikukonza. Mwa njira, ndi bwino kuyika ndalama zomwe zakonzedweratu nthawi yomweyo kubwereketsa, ndiko kuti, funsani banki pang'ono kuposa momwe mukufunikira, ngati mulibe kuyembekezera ndalama zambiri mosayembekezereka kumapeto kwa ntchito yomanga. .
Tsopano, pokhala ndi nyumba yanga m'dera la Moscow ndikuyang'ana mmbuyo, ndinganene kuti zonsezi ndi zenizeni. Zoona, kuyenda ndi ndalama zina zabwino ziyenera kuyimitsidwa, chifukwa mukufunikirabe kugula mipando ndikulipira ngongole zokonzetsera ... Ayi, ayi, inde, ndipo lingaliro lofuna kupeza ndalama zambiri lidzagwedezeka, koma ndi ngongole. chofunika kwambiri kuti chikhale chokhazikika.