Ngongole yotetezedwa ndi nyumba mu 2022
Pali zinthu zambiri pamsika wobwereketsa: kuyambira kubwereketsa ndalama nthawi yomweyo tsiku lomwelo ndi makhadi aku banki kupita ku ngongole zanyumba ndi ngongole zotetezedwa ndi nyumba. Tikambirana za izi limodzi ndi katswiri, momwe ndi momwe zilili bwino kutenga ngongole mu 2022

Pali nthano zambiri zokhuza ngongole zomwe zimatetezedwa ndi nyumba pa intaneti: akuwopa kuti mwanjira imeneyi mabungwe azachuma "amafinya" malo enieni, ndipo mapangidwe ake ndi ovuta kwambiri kotero kuti obwereka wamba popanda maphunziro azamalamulo kapena azachuma sangathe kuzindikira.

Zowonadi, monga chilichonse chokhudzana ndi zachuma, ngongole zotetezedwa ndi nyumba zimakhalabe malo ochulukirapo okhala ndi ma nuances ambiri. Ngati simukudziwa momwe ngongole zotere zimagwirira ntchito, mutha kusokera m'mavuto azachuma. Tikambirana za momwe mungapezere ngongole yotetezedwa ndi nyumba mu 2022, mabanki omwe amawapereka ndikukambirana ndi katswiri za momwe makasitomala angavomerezedwere.

Kodi ngongole yanyumba ndi chiyani

Ngongole yanyumba ndi ngongole yomwe wobwereketsa amapereka kwa wobwereka pa chiwongola dzanja. Maudindo a wobwereka ndi ngongole yotereyi amathandizidwa ndi kubwereketsa kwa nyumbayo.

Zambiri zokhudzana ndi ngongole zanyumba

Mtengo wa ngongole*19,5-30%
Zomwe zingathandize kuchepetsa mlingoOtsimikizira, obwereketsa anzawo, ntchito yovomerezeka, inshuwaransi ya moyo ndi thanzi
Ngongole nthawimpaka zaka 20 (nthawi zambiri mpaka zaka 30)
Zaka zobwerekaZaka 18-65 (nthawi zambiri zaka 21-70)
Zomwe zipinda zimalandiridwadera, chiwerengero cha zipinda ndi pansi m'nyumba zilibe kanthu, chinthu chachikulu ndi chakuti nyumba si mwadzidzidzi, ntchito zonse zoyankhulirana.
Nthawi yolembetsamasiku 7-30
Kubweza msangaChenjerani!
Kodi ndizotheka kugwiritsa ntchito ndalama zoberekera komanso kuchotsera msonkhoAyi
Kusiyana ndi ngongole yanyumba Ndi ngongole yanyumba, ndalama zimaperekedwa pogula malo enieni, ngati ngongole yotetezedwa ndi nyumba, mumasankha komwe mungawononge ndalama zomwe mwalandira. 

*Miyezo yapakati pa gawo lachiwiri la 2022 ikuwonetsedwa

Pamene kasitomala akufunsira ku banki ndi pempho la ngongole, bungwe lazachuma (mwa njira, sizingakhale banki yokha!) Imayang'ana kuchuluka kwake komanso pansi pa zomwe wobwereka amafunikira. Njira yosavuta komanso yachangu kwambiri yopezera kirediti kadi. Koma kuchotsera kwa mankhwalawa ndi ndalama zochepa za ngongoleyo komanso kufunika kobwezera ngongoleyo mwachangu, apo ayi chiwongola dzanja chidzayamba kutsika.

Mutha kugwiritsa ntchito ngongole yachikale. Ndalama zonsezo zimaperekedwa mwamsanga, ndipo mumazibweza pang’onopang’ono mwezi uliwonse. Komabe, kuti apatse kasitomala ndalama, banki iyenera kukhala yotsimikiza kudalirika kwake. Chifukwa chake, angafunike kuti mubweretse chiphaso cha ndalama, kupeza otsimikizira, obwereketsa, ndi zina zotero.

Mutha kuwonetsa kukhulupirika kwanu popereka katundu ngati chikole. Mwachitsanzo, nyumba. Mtundu uwu wa malo ogulitsa nyumba ndi omwe amafunidwa kwambiri pankhani ya kubwereketsa kotetezedwa. Bail ndi njira yachitetezo. Ndiko kuti, wobwereketsayo, titero, amadziteteza kuti asamalipire ngongoleyo ndi kasitomala.

Ngati ngongoleyo siinabwezedwe, banki kapena bungwe lina lazachuma lidzayimilira pansi pa malamulo a Federation kudzera mukhothi, pambuyo pake nyumbayo idzagulitsidwa. Kutaya nyumba yanu yokhayo ndikowopsa. Koma ngati mukuchita ndi wobwereketsayo mosamala, ndiye kuti sangagulitse nyumba ya wobwerekayo. Apa lamulo limateteza zofuna za wobwereketsa komanso za munthu. Kuonjezera apo, zimakhala zopindulitsa kwa wobwereketsa kuti munthuyo apitirize kulipira, ndiye kuti sadzayenera kuthana ndi milandu ndi kubwezeretsa.

Lonjezo limalembetsedwa m'makalata a Rosreestr - dipatimenti iyi imasunga zolemba zanyumba m'dziko lathu. Nyumba yoteroyo singagulitsidwe popanda chilolezo cha wobwereketsa. Panthawi imodzimodziyo, palibe amene amathamangitsa mwiniwakeyo, malinga ngati akulipira ngongoleyo pa nthawi yake.

Ubwino wopeza ngongole yanyumba

Kwa nthawi yayitali. Ngongole yokhazikika imaperekedwa pafupifupi zaka 3-5. Ngongole yotetezedwa ndi nyumba ikhoza kubwezeredwa mpaka zaka 25 ngati banki ivomereza izi.

Kuchepetsa zofunika pa chithunzi cha wobwereka. Asanapereke ngongole, bungwe lazachuma limawerengera munthu yemwe angakhale kasitomala, ndiye kuti, limasanthula kuchuluka kwake. Zimayang'ana kuti muwone ngati pali ngongole mu database ya bailiffs (FSSP), ngongole zosalipidwa, ngati panali kuchedwa kwa ngongole, kaya pali ntchito yovomerezeka. Chilichonse mwazinthu izi chimasokoneza zigoli. Lonjezo la nyumba limatha kusokoneza zina mwazovuta, motero kuonjezera mwayi wovomerezeka.

Ngongole yomwe ingakhalepo ndiyokwera kwambiri. Wobwereketsa wadzipangira inshuwaransi yokana kusalipira ndipo akhoza kuvomereza ngongole yokulirapo kuposa popanda chikole.

Kukonzanso ndi kubwezeretsanso ngongole zawo. Tangoganizani kuti wobwerekayo wasonkhanitsa maudindo ambiri kumabanki osiyanasiyana ndi kongongole zina. Atha kutenga ndalama zambiri, kulipira ngongole zonse ndikulipira ngongole imodzi yokha modekha.

Mukhoza kupitiriza kukhala m'nyumba. Konzekerani kumeneko (chachikulu ndikuchita popanda kukonzanso mosaloledwa), kulembetsa obwereketsa kapena kubwereketsa. Koma obwereketsa ena amaletsa kubweretsa nyumba.

Pachifukwa chilichonse. Wobwereketsa sangakufunseni zomwe mukufuna ndalamazo.

Pansi mlingo. Pafupifupi, ndi 4% kuposa ngongole popanda chikole.

Zoyipa zopeza ngongole yotetezedwa ndi nyumba

Ndalama zowonjezera. Ngongole iyi imabwera ndi mtengo wake. Choyamba, kuwunika kwa nyumba. Pali mabungwe apadera omwe amaphatikiza ma albamu owunika. Amatumiza katswiri, amayesa ndikujambula bwalo, nyumba, khomo, nyumba. Zotsatira zake, zimatsimikizira mtengo wa nyumba. Mtengo wa utumikiwu ndi ma ruble 5-000. Ndalama yachiwiri ndi inshuwaransi yazinthu. Wobwereketsayo ayenera kutsimikiza kuti palibe chomwe chidzachitike pa chikolecho.

Sizingagulitsidwe kwaulere. Lonjezo silimalola mwiniwake kutaya nyumbayo, kuti wobwereka asagulitse nyumbayo mwadzidzidzi panthawi imodzi popanda chilolezo cha banki. Mabanki safuna kuvomereza kugulitsa, pokhapokha ngati ndalama zogulitsazo zidzagwiritsidwa ntchito nthawi yomweyo kulipira ngongoleyo.

Mutha kutaya nyumba yanu. Ngati iyi ndi nyumba yanu yokha ndipo mumakhala nokha, ndiye kuti udindo wonse uli pa inu. Koma ngati muli ndi banja, achibale, ndipo simunathe kubweza ngongoleyo, muyenera kufunafuna nyumba zosakhalitsa.

Mtengo wa nyumbayo siwofanana ndi kuchuluka kwa ngongole. Ngongoleyo idzapereka ndalama zokwana 80% zamtengo wamtengo wapatali, pokhapokha mutapereka ziganizo za ndalama, obwereketsa, ogulitsa, ndi zina zotero. Wobwereketsayo akufuna kutsimikiza kuti ngati atakakamiza majeure adzatha kugulitsa chinthucho mwachangu kuti abweze ndalama zake.

Nthawi yowonjezera yokonza. Pafupifupi, kuyambira milungu iwiri mpaka mwezi umodzi.

Zoyenera kulandira ngongole yotetezedwa ndi nyumba

Zofunikira za wobwereka

Zaka 18-65 zaka. Obwereketsa amatha kusintha malire apamwamba ndi apansi. Anthu osakwana zaka 21 sapatsidwa ngongole zambiri.

Unzika wa Federation ndi kulembetsa, ie kulembetsa. Alendo amaganiziridwanso, koma osati mabanki onse.

Malo okhazikika a ntchito ndi ndalama kwa miyezi 3-6 yotsiriza. Osati mokakamiza, koma zofunika. Apo ayi, mlingo udzakhala wapamwamba.

Zofunika Katundu

Zinyumba sizimaganiziridwa: 

  • m'nyumba zowonongeka;
  • osakhazikika;
  • mwa eni ake pali ana aang'ono kapena osatha;
  • zomwe zimawonekera pamlandu wotseguka kapena zomwe zili mkangano kukhothi.

Zofunika kusamala nazo:

  • tikukonza;
  • nyumba zokonzanso;
  • magawo m'nyumba;
  • zipinda m'nyumba ya anthu onse;
  • nyumba zakale (zokhala ndi matabwa);
  • atamangidwa;
  • alonjezedwa kale, mwachitsanzo, pansi pa ngongole;
  • ngati ana alembedwa m’kaundula, pakati pa eni ake pali awo amene apita ku usilikali kapena amene ali m’ndende;
  • nyumba posachedwapa analandira cholowa;
  • nyumbayi ikuphatikizidwa mu mndandanda wa cholowa cha chikhalidwe;
  • nyumba ku ZATO (mizinda yotsekedwa ku Federation, komwe kulowa kumadutsa).

Zipinda, nyumba zogona, nyumba zamatawuni zimatengedwa mofunitsitsa, koma nyumba zamalonda zili pakufuna kwa banki.

Nyumbayo iyenera kukhala ndi kutentha, madzi, magetsi. Mabanki ena amaika zofunikira panyumba. Mwachitsanzo, iyenera kukhala ndi zipinda zosachepera zinayi ndi zipinda ziwiri.

- Nyumbayo iyenera kukhala yamadzi ndipo ili mumzinda kapena mudzi pafupi ndi mzindawu. Izi ndizofunikira kuti muyese bwino nyumbayo, ndipo ngati kuli kofunikira, mugulitse mwamsanga. Chifukwa chake, zipinda zomwe zili m'madera akutali ndi mizinda sizikufunika kwambiri, zomwe zikutanthauza kuti wobwereketsa amakhala pachiwopsezo choti asabweze ndalama zake mkati mwa nthawi yomwe akuyembekezeka, akufotokoza zofunikira pakugulitsa nyumba. Elvira Glukhova, Mtsogoleri Wamkulu wa kampani "Capital Center for Financing".

Momwe mungapezere ngongole yotetezedwa ndi nyumba

1. Sankhani wobwereketsa

Ndipo tumizani ku banki kapena bungwe lazachuma kuti liganizidwe. Pakadali pano, ndikwanira kuwonetsa dzina lonse, tchulani kuchuluka kwa ngongole yomwe mukufuna komanso kukonzekera kupereka nyumba pa belo. Pempholo lingatumizidwe patelefoni, pa webusayiti (ngati mpata woterowo waperekedwa) kapena inu mwini kubwera kunthambi.

Mabanki, pafupifupi, mkati mwa maola awiri, ayankhe ngati ntchito yanu yavomerezedwa kale kapena akulengeza kukana.

2. Sungani zikalata

Ntchito yanu ikavomerezedwa, kuti mulandire chilolezo chomaliza, mudzafunika:

  • kopi ya pasipoti ndi kulembetsa;
  • obwereketsa ena amapempha chikalata chachiwiri. Mwachitsanzo, TIN, SNILS, pasipoti, layisensi yoyendetsa, ID ya usilikali;
  • zikalata za nyumba. Ayenera kusonyeza kuti ndinu mwiniwake. Chigwirizano chogulitsa, chochokera ku USRN chidzachita (njira yosavuta ndiyo kuyitanitsa pa webusaiti ya Federal Cadastral Chamber kwa 290 rubles kapena pepala ku MFC kwa 390 rubles). Ngati mwapeza nyumbayo ndi chigamulo cha khothi kapena cholowa, ndiye kuti muyenera mapepala oyenera;
  • chiphaso cha ndalama 2-misonkho yaumwini kuchokera kuntchito - mwakufuna kwanu, kumawonjezera mwayi wovomerezeka ndi kuchuluka kwake;
  • zikalata za obwereketsa anzawo. Mwalamulo, obwereketsa anzawo adzakhala eni nyumba (ngati alipo) kapena mwamuna kapena mkazi wanu. Ngati mwapanga mgwirizano waukwati ndi notary, malinga ndi zomwe mwamuna kapena mkazi (a) sangathe kutaya nyumbayo, bweretsani chikalatacho. Ngati mwamuna kapena mkazi sakufuna kukhala wobwereketsa, mudzafunikanso kusaina mapepala okhudza izi ndi notary.
  • mawu omaliza kuchokera ku kampani ya inshuwaransi pakukonzekera kutsimikizira nyumbayo ndi chimbale chochokera ku kampani yowunikira, yomwe ikuwonetsa mtengo wanyumbayo. Chonde dziwani kuti mabungwe ena azachuma amagwira ntchito ndi owerengera okha ndi makampani a inshuwaransi omwe amavomerezedwa ndi iwo.

3. Dikirani chisankho cha wobwereketsa

Mabanki amaganizira zikalata kuyambira masiku atatu mpaka mwezi umodzi. Inde, aliyense akuyesera kufulumizitsa ndondomekoyi ndikuchita zonse mu nthawi yochepa, koma zenizeni zikhoza kuchedwa.

4. Lembani lonjezo

Ngongole yavomerezedwa? Ndiye panali sitepe yomaliza asanalandire ndalamazo. Muyenera kupeza deposit ku nyumba. Izi zimachitika ku Rosreestr kapena ku MFC. Pambuyo pake, nyumbayo singagulitsidwe kwaulere popanda chilolezo cha wobwereketsa.

Mabanki ena amayesetsa kusungitsa zikalata zakutali ndi Rosreestr kuti asataye nthawi pamaulendo ndi mizere. Kuti muchite izi, muyenera siginecha yamagetsi, imawononga ma ruble 3000. Mabungwe ena azachuma amalipira makasitomala kuti apereke siginecha yotere.

5. Pezani ndalama ndikuyamba kulipira ngongole yanu

Ndalama zimasamutsidwa ku akaunti yakubanki kapena kuperekedwa ndi ndalama. Muyenera kudziŵitsatu pasadakhale chikhumbo chanu cholandira ndalama, chifukwa ndalama zomwe zikufunika sizingakhalepo pa desiki la ndalama. Pamodzi ndi mgwirizano wa ngongole, ndondomeko yolipira imaperekedwa. Kulipira koyamba pa ngongole kungakhale kale mu mwezi womwe ulipo.

Malo abwino kwambiri opezera ngongole yanyumba ndi kuti?

Banks

Amabwereketsa mwachangu chitetezo cha nyumba. Panthawi imodzimodziyo, ali ndi zikhalidwe zokhwima zovomerezeka za ngongole, chifukwa tikukamba za dongosolo lalikulu lazachuma. Mabungwe ambiri, akuluakulu aboma komanso amderali, ali okonzeka kutenga malo ngati chikole.

Kusavuta kwa ngongole ya banki munjira yofunsira. Chilichonse chingathe kuchitika popanda kukaonana maso ndi maso ku ofesi ngati bungwe likugwira ntchito ndi ndondomekoyi. Ndiye kuti, imbani foni kumalo ochezera kapena kusiya pempho patsamba. Ngati mwavomereza kale, tumizani zikalata ndi imelo kwa manejala. Nthawi zina, ndizotheka kulembetsa ndalama pa intaneti ndikulandila ndalama pakhadi. Ngakhale ndizotheka mwachikale - nthawi zonse kubwera ku dipatimenti.

Ubwino ndi zoyipa

Njira yoperekera ngongole zotere yakonzedwa bwino. Bungwe lodalirika pansi pa ulamuliro wa Central Bank. Chiwongoladzanja chokwanira, chotengera momwe wobwereka alili komanso gawo la kubwereketsa.
Nthawi zambiri amavomereza ngongole popanda chiphaso cha ndalama. Kulingalira motalikirapo pakugwiritsa ntchito. Iwo amawunika mozama mbiri ya ngongole ya wobwereketsa: pakachitika ndalama zam'mbuyomu, chiwopsezo chokana ngongole chimawonjezeka kwambiri.

Makampani

Mu 2022, osunga ndalama - anthu ndi makampani - atha kupereka ngongole zotetezedwa ndi nyumba kwa mabungwe ovomerezeka ndi mabizinesi payekhapayekha kuti atukule bizinesi. M'mbuyomu, adagwiranso ntchito ndi nzika wamba - anthu. Koma m’Dziko Lathu munali zowawa zambiri zaumwini, pamene anthu “anatulutsidwa” kwenikweni m’nyumba zokhala ndi chiwongola dzanja chambiri ndi zomwe zinali mu mgwirizano. Chifukwa chake, ndizoletsedwa kwa osunga ndalama kubwereketsa chitetezo cha nyumba kwa anthu wamba.

Ubwino ndi zoyipa

Sapempha ziganizo za ndalama ndipo nthawi zambiri amakhala okhulupirika kwa obwereka. Pokambirana ndi kukambirana za mikhalidwe, mukhoza kupempha ndalama zambiri kwa nthawi yaitali. Amapanga chisankho mwamsanga, ndalama zikhoza kulandiridwa pa tsiku lofunsira.
Maperesenti apamwamba kuposa mabanki. Akhoza kupeputsa dala mtengo wa nyumbayo. Zosayenera kwa anthu pawokha.

Njira zowonjezera

M'mbuyomu, ma pawnshops ndi mabungwe azachuma anali kubwereketsa motsutsana ndi chitetezo chanyumba. Tsopano saloledwa kutero. Ma CPC okha ndi omwe adatsalira - mabungwe ogula ngongole.

Otenga nawo gawo - ogawana nawo - amapereka zopereka kuchokera ku ndalama zawo kupita ku "mphika wamba". Kuti ma sheya ena abwereke ndalama ndi ndalamazi. Ndipo kuchokera kwa osunga chiwongola dzanja adzalandira ndalama zawo. Ngati poyamba ma CCP adapangidwira zosowa za anthu ochepa (monga ndalama zopindula), tsopano zafalikira ndikutsegulidwa kwa mamembala atsopano. Choyamba, kuti athe kuwerengedwa. Ma CCP amaloledwa kupereka ngongole zanyumba.

Ubwino ndi zoyipa

Mabanki amapanga zisankho mwachangu. Amaganiziridwa popanda chiphaso cha ndalama komanso mbiri yowonongeka yangongole. Osakhala ndi chidwi ndi cholinga chobwereketsa.
Chiwongola dzanja chokwera. Malipiro ochedwa kwambiri. Kuti akhale ndi masheya, atha kulipiritsa ndalama zolowera ndi zolipira pamwezi (pa ma CPC ena adathetsedwa).

Ndemanga za akatswiri pa ngongole yotetezedwa ndi nyumba

Tidafunsa Elvira Glukhova, katswiri wathu ku Capital Center of Financing, kutiuza za mankhwalawa mwatsatanetsatane.

"Ngongole yotetezedwa ndi malo ndi malo ndi chida. Ndipo monga chida chilichonse, ndi chabwino m'njira zina, komanso zoyipa mwanjira zina. Simukumeta misomali ndi screwdriver, sichoncho? Choyenera kwambiri chingakhale kugwiritsa ntchito ngongole yotetezedwa ndi nyumba muzochitika ziwiri.

Kubweza ngongole zapano. Mwachitsanzo, muli ndi ngongole zinayi + makhadi awiri + ma microloans asanu ndi atatu. Zinthu ngati zimenezi zimachitikadi m’moyo, palibe chochitira manyazi. Makasitomala athu ambiri amabwera ndi vutoli. Mbiri ya ngongole imawulukira kuphompho, munthu watsala pang'ono kugwa ...

Mukatenga ngongole yoyamba ndikulipira, palibe mavuto. Tengani chachiwiri, ndi bwinonso. Mumatenga chachitatu - chikuwoneka cholekerera, koma kudumpha pang'ono kwa ndalama ndipo ntchito yonseyi imayamba kukhudza. Ndiyenera kuchotsa ndalama m'ma kirediti kadi ndikumulipira. Kenako mumapita ku ma microloans kukalipira makhadi. Ndi njira yopita kulikonse. 

Komabe, mutha kutenga ngongole yotetezedwa ndi nyumba, kuchepetsa malipirowo katatu kapena kanayi, kutambasula ngongole kwa zaka 15 kapena kuposerapo. Ndipo izi zikutanthauza kulowa ndandanda ndi kulipira modekha. Chachikulu ndikuti tisatengenso ngongole, apo ayi timabwerera ku zomwe zidachitika kale, nyumba yokhayo ndiyomwe idalonjezedwanso.

Pamene ndinu wamalonda. Bizinesi yaying'ono kapena mwini yekha. Tikufuna mwachangu ndalama zogwirira ntchito, mwachitsanzo, pogula katundu. Mukumvetsetsa kuti m'miyezi isanu ndi umodzi kapena chaka mudzagulitsa zinthu zonse ndikutha kutseka ngongoleyo, ndipo phindu lidzalipira mtengo wa chiwongola dzanja. Inde, pali chiopsezo kuti katunduyo sangagulidwe kapena chinachake chidzalakwika. Koma ngati mumadzidalira nokha komanso zomwe mukuchita, tengani ngongole yotetezedwa ndi nyumba - iyi ndi njira yabwino yopezera phindu.

Koma ngati mukufuna kutenga ngongole yotetezedwa ndi nyumba kuti muwuluke ku Dubai kutchuthi, ndipo simukudziwa kuti mungalipire patali bwanji ngongoleyi, musatengere mulimonse. Iyi ndi njira ya ngongole. "

Mafunso ndi mayankho otchuka

Amayankha mafunso Elvira Glukhova, Mtsogoleri Wamkulu wa kampani "Capital Center for Financing".

Kodi ndi koyenera kutenga ngongole yotetezedwa ndi nyumba?

Zonse zimadalira zosowa za kasitomala. Ngongole yotetezedwa ndi sitepe yodalirika kuposa ngongole wamba. Mtengo wochepa kwambiri, wochuluka komanso zofunikira zokhulupirika kwa wobwereka zimasiyanitsa kubwereketsa kotere ndi ena onse. Koma ngati wobwereka sangathe kulipira, ayenera kubweza ngongoleyo ndi nyumba yake. Ndikoyenera kutenga ngongole yotetezedwa, aliyense ayenera kusankha yekha.

Kodi ndingapeze ngongole yanyumba ndi ngongole yoyipa?

Mutha kupeza ngongole yotetezedwa ndi mbiri yoyipa yangongole. Uwu ndi umodzi mwamaubwino obwereketsa otere. Ngakhale mabanki apamwamba amalola kuchedwa pang'ono mpaka masiku 60. Koma pali mabanki omwe amalola kuchedwa kwa masiku 180. Nthawi zina kuchedwa kotseguka kumaloledwa. Komabe, mbiri yoyipa kwambiri yangongole, kuchuluka kwa ngongole kumakhala kokwera.

Mukabwereketsa ngongole, mutha kugawa mbiri yanu yangongole m'magulu anayi:

●     chachikulu - palibe kuchedwa kapena kuchedwa koyambirira sikunapitirire masiku asanu ndi awiri.

●     zabwino - panali kuchedwa koyambirira kuyambira masiku asanu ndi awiri mpaka 30 koma osapitilira kasanu ndi kamodzi mchaka chatha. Kapena kuchedwa kumodzi mpaka masiku 60. Tsopano palibe kuchedwa. Miyezi yoposa iwiri yadutsa kuchokera kuchedwa komaliza.

●     pafupifupi - panali kuchedwa kwa masiku 180, koma tsopano atsekedwa, pamene masiku oposa 60 adutsa kuchokera kutsekedwa kwa kuchedwa.

●     zoipa Tsopano pali mipata yotseguka.

Kodi ndizotheka kupeza ngongole yotetezedwa ndi nyumba popanda umboni wa ndalama?

- Mutha. Banki imayang'ana kaye malowo. Kuwerengera kuchuluka kwa ngongole yobwereketsa kudzatengera mtengo wa chinthucho. M'mabanki ambiri, ndalama zobwereketsa zimachokera ku 20% mpaka 60% yamtengo wamsika wamsika. Chitsimikizo chovomerezeka cha ndalama malinga ndi satifiketi ya 2-NDFL sikofunikira. Ndikokwanira kusonyeza gwero la ndalama mu mafunso a banki, kapena kutsimikizira mwamawu kuti muli ndi gwero la ndalama. 

 

Zachidziwikire, mawonekedwe a macheke amadalira banki yomwe mumafunsira ngongole. Mabungwe akuluakulu azachuma amafunsa kuti apereke malipoti ovomerezeka kapena chitsimikiziro chandalama, mwachitsanzo, kuchuluka kwa maakaunti aku banki iyi. Kwa ena, kutsimikizira kwapakamwa kosavuta pa nambala yafoni ya abwana ndikokwanira. Komabe, ngati mulibe ziganizo za ndalama kapena kubweza kwa akaunti, padzakhalabe banki yomwe ingakuvomerezeni, koma chiwongola dzanja chidzakhala chokwera.

Kodi ngongole imatetezedwa ndi gawo la nyumba popanda chilolezo cha eni ake?

– Ayi. Sizingatheke kupeza ngongole kubanki yotetezedwa ndi gawo m'nyumba. Koma pali obwereketsa apadera omwe angapereke ngongole yotetezedwa ndi gawo. Ndikofunikira kuti gawolo likhale lochulukirapo kapena lalikulu kuposa kuchuluka kwa zipinda. Mwachitsanzo, 1/3 amagawana m'nyumba yazipinda zitatu. Zokwanira komanso 1/2 m'zipinda zitatu. Koma 1/3 m'nyumba yazipinda ziwiri sizoyeneranso.

 

Zinthu zoterezi zimachitika chifukwa chakuti ngati muli ndi gawo, mutha kugawa chipinda chosiyana. Ndiko kuti, ngati wobwereka salipira, wobwereketsa payekha adzasonkhanitsa gawo la ngongole kukhoti, pambuyo pake adzatha kugawa chipinda chosiyana m'nyumbamo ndikuchizindikira kuti ndi chake. Pambuyo pake, adzagulitsa chipindacho ndikulipira ndalama zomwe zimagwirizanitsidwa ndi chigawenga pa ngongole. Koma chiwongola dzanja pa ngongole zotere ndizokwera kwambiri, zimayambira 4% pamwezi.

Ngati mukufuna zikhalidwe zangongole, chilolezo cha eni nyumba onse chidzafunikadi. Koma ngati m’modzi mwa eni ake ali wamng’ono kapena wosakwanitsa kuchita (ali ndi mavuto a m’maganizo ndipo ali pansi pa ulonda) Mkonzi.) Choncho palibe amene angatenge gawo lake ngati chikole.

Siyani Mumakonda