Ngongole yotetezedwa ndi nyumba mu 2022

M'nkhani yathu, tidzakambirana za mtundu wotchuka wa ngongole - ngongole yotetezedwa ndi nyumba. Tilankhule za zomwe zili mu 2022, mabanki omwe amapereka ndikukambirana izi ndi akatswiri.

Kodi ngongole yogulitsa nyumba ndi chiyani

Ngongole yogulitsa nyumba ndi ngongole yomwe wobwereketsa amapereka kwa wobwerekayo pa chiwongola dzanja, ndipo amatenga malo ngati chikole.

Zambiri zothandiza za ngongole zanyumba

*Miyezo yapakati pa gawo lachiwiri la 2022 ikuwonetsedwa

Mutha kupempha ngongole kubanki ndi mikangano yosiyanasiyana ya solvency yanu. Mwachitsanzo, bweretsani chiphaso cha malipiro kuchokera kwa abwana (2-NDFL) kapena kupeza guarantor - munthu yemwe, ngati mwalephera, amavomereza kulipira ngongole. Uwu ndi maubwenzi abwinobwino azachuma: banki kapena mabungwe ena azachuma amakukhulupirirani ndi ndalama zake. M'malo mwake, amafuna kutsimikiza kuti adzalipidwa.

Malo ogulitsa nyumba angakhale mkangano mokomera kupereka ngongole. Zogulitsa zachuma zotere zimatchedwa "ngongole yotetezedwa ndi nyumba".

Lonjezo ndi njira yapadera yopezera maudindo. Udindo pankhaniyi ndi kubweza ngongoleyo. Wobwereketsa amene watenga ngongole yoteroyo amavomereza kulonjeza chuma chake kwa wobwereketsayo.

Panthawi imodzimodziyo, mukhoza kukhala m'nyumbamo nokha kapena kubwereka kwa obwereka, ngati izi sizikuletsedwa ndi mgwirizano. Mofananamo, ndi malo ena - nyumba, nyumba zogona, nyumba zamatawuni, malonda.

Lonjezo silikutanthauza kuti banki kapena mabungwe azachuma akhoza kugulitsa chinthu chanu nthawi iliyonse kapena kudzitengera okha. Malingana ngati tikukamba za makampani ovomerezeka, osati ochita zachinyengo. Nkhani ngati izi zimachitika anthu akabwereka malonda mosasamala komanso osayang'ana mapepala omwe amasaina.

Pokhapokha ngati kasitomala sangathe kubweza ngongoleyo, banki kapena bungwe lina lazachuma liri ndi ufulu wogulitsa, ndiko kuti, kugulitsa katunduyo. Ndalamazo zidzapita kukalipira ngongoleyo. Ngati ndalama zatsalira pambuyo pa kugulitsa, zidzaperekedwa kwa mwiniwake wakale wa malowo.

Ubwino wopeza ngongole yanyumba

Mutha kupeza ngongole yayikulu. Mwachitsanzo, 15-30 miliyoni rubles likulu ndithu zenizeni. M'zigawo, ndithudi, chirichonse chiri chochepa kwambiri. Komabe, kufunitsitsa kulonjeza katundu ndi mtsutso wamphamvu kwa obwereketsa.

Khalani okhulupirika ku mbiri ya ngongole ya wobwereka. Monga mukudziwa, mabanki onse ndi mabungwe azachuma amaphunzira kudalirika kwa kasitomala. Kuti achite izi, amagwiritsa ntchito maofesi a mbiri ya mbiri ya ngongole, kumene chidziwitso chimasungidwa ponena za kumene, nthawi ndi ndalama zomwe munthu adabwereka ku mabungwe azachuma. Kuchedwa kwa malipiro kumawonekeranso pamenepo. Koma popeza kasitomala ali wokonzeka kulonjeza malo ogulitsa, zikutanthauza kuti wobwereketsa wadziteteza mwamphamvu kwambiri.

Ngongole ikhoza kuperekedwa kwa nthawi yayitali. Poyerekeza ndi ngongole wamba. Mabungwe ena azachuma amakulolani kulipira mpaka zaka 25.

Mortgage njira. Zimafunika kubweza ndalama, zomwe sizingakhale. Ngongole yanyumba ikhoza kugwiritsidwa ntchito kugula nyumba yatsopano.

Pachifukwa chilichonse. Obwereketsa samafunsa zomwe mukufuna ngongole. Izi ndizofunikira, mwachitsanzo, kwa amalonda omwe amafunikira ndalama kuti apititse patsogolo bizinesi yawo. Ngati apempha ngongole ngati bungwe lovomerezeka, ndiye kuti mwayi wokana udzakhala wapamwamba, chifukwa izi ndizowopsa kwa banki.

Chiwopsezo chokha ndi katundu wanu. Wobwereka "sakhazikitsa" aliyense - izi ndi ngati tilankhula za obwereketsa ngongole. Pamene mukusowa ndalama zambiri, ndiye ngati ngongole yachizolowezi, mukhoza kupeza ngongole kuchokera ku mabungwe osiyanasiyana, ndipo chifukwa chake, mukhoza kukhala ndi ngongole, kumenyana ndi osonkhanitsa, ndikutaya mbiri yanu pakati pa anzanu. Pobwereketsa nyumba, mumayika chuma chanu pachiwopsezo. Ndi makonzedwe akuti ngati muli ndi banja, ndiye kuti zosankha zoterezi ziyenera kupangidwa mosamala.

Wobwereketsa ndi wobwereka akhoza kukhala anthu awiri osiyana. Mwachitsanzo, munthu mmodzi ali ndi malo, ndipo wina akufuna kutenga ngongole. Akhoza kupanga mgwirizano pamodzi.

Malowa amakhalabe anu. Itha kugwiritsidwa ntchito, kubwereketsa (ngati sichikutsutsana ndi mgwirizano wa ngongole).

Zinthu zoyenera zomwe zamangidwa. Mwachitsanzo, wobwereka ali ndi ngongole yaikulu ya nyumba ndi ntchito zamagulu kapena wachedwa kulipira ngongole zina. Pankhaniyi, pempho la obwereketsa, khoti liri ndi ufulu wolanda katunduyo. Mabungwe ena angongole amavomereza malo ngati chikole, koma ndi kusungitsa kwina. Mbali ina ya ngongole ya kasitomala idzagwiritsidwa ntchito kubweza ngongoleyo kuchotsa kumangidwa.

Zoyipa zopeza ngongole yotetezedwa ndi nyumba

Ndalama za inshuwaransi. Malo omwe mumapereka ngati chikole ayenera kukhala ndi inshuwaransi. Malipiro a inshuwalansi amaperekedwa kamodzi pachaka. Pafupifupi, izi ndi 10-50 zikwi rubles - mtengo umadalira kwambiri nyumba yeniyeni, malo, mtengo wa chinthucho. Wobwereketsa angafunsenso kuti atsimikizire moyo ndi thanzi la wolipira - apo ayi adzapereka kuchuluka kwakukulu.

Muyenera kulipira ntchito za owerengera. Inu kapena wobwereketsayo simungaweruze mwachilungamo kuchuluka kwa katunduyo. Koma pa nkhani ya ngongole, ndalama za chinthucho ndizofunikira - mwa kuyankhula kwina, mtengo wake ndi kuthekera kogulitsa. Tiyerekeze kuti wofuna chithandizo akufuna kuika nyumba m’nyumba yangozi kuti igwetsedwe. Zoonadi, wobwereketsayo sangathe kugulitsa chinthu choterocho ngati chinachake chachitika. Ndiye muyenera kulipira mtengowo. Zimawononga ma ruble 5-15.

Kulephera kutaya katundu wawo momasuka. Choyipa china ndi mawu a ngongole. Ngati mukufuna kugulitsa nyumba kapena chinthu china nokha, muyenera kupempha chilolezo kwa wobwereketsa yemwe adalandira malowo ngati chikole. Mosakayika angakane. Ndipotu, mu nkhani iyi kulimbitsa kudalirika kwa wobwereka? Akhoza kulola kugulitsa ngati wogulayo akubwezera ngongole kubanki ndi ndalamazo.

Nthawi yochulukirapo ikutha. Kuti mupeze ngongole yotereyi, khalani osachepera sabata imodzi kapena iwiri, chifukwa zolemba ndi ndondomeko ndizotalikirapo kuposa nthawi zonse. Simungapeze ndalama nthawi yomweyo.

- Zoyipa zake zikuphatikizapo kuti ngongole ndi nyumba. Koma mavuto angakhalepo kokha ngati kasitomala salipira. Kapena, ngati sangathe kulipira, ndiye kuti sachita chilichonse kuti athetse vutoli. Ngakhale mutapita "kuchedwa" pa ngongole yotereyi, mutha kuthetsa vutoli nthawi zonse popanda kutaya katundu wanu, kupeza mgwirizano ndi wobwereketsa, - akuti. Almagul Burgusheva, wamkulu wa dipatimenti yobwereketsa yotetezedwa ku Finans.

Zoyenera kupeza ngongole yotetezedwa ndi malo ogulitsa nyumba

Zofunikira za wobwereka

• Zaka za wobwereka ndi zaka 21 mpaka 65. Kwa achinyamata, kusiyanitsa sikuchitika kawirikawiri. Kwa opuma nthawi zambiri.
• Ntchito. Simukuyenera kugwira ntchito mwalamulo. Ndipo siziyeneranso kukhala zamwambo. Koma ngati kasitomala akugwira ntchito, ndiye kuti mwayi wovomereza ngongole ndi wapamwamba. Muyenera kugwira ntchito pamalo amodzi kwa miyezi 3-6 yomaliza.
• Unzika wa Federation. Amagwira ntchito ndi alendo, koma mochepa mofunitsitsa.
• Obwereka anzawo. Ngati malowo ali ndi eni ake angapo, amayenera kukhala obwereketsa anzawo ndikupereka chivomerezo cha malonjezowo. Komanso, ngati muli pabanja, mwamuna kapena mkazi wanu ayeneranso kukhala obwereka anzawo. Izi zitha kuthetsedwa ngati musayina zikalata kwa anthu ovomerezeka (kapena pangano laukwati lidamalizidwa kale), koma izi ndi zomwe wobwereketsa angafune.

Zofunika Katundu

- Chofunikira chachikulu ndi chakuti katunduyo alembetsedwe ngati katundu. Kupanda kutero, wobwereketsa aliyense ali ndi njira zake zogulira malo. Wina amaona mtunda wa Moscow Ring Road zosaposa 50 Km, ena amayang'ana madera onse. Banki imodzi imatha kupereka ngongole yanyumba yokha, ina yanyumba ndi nyumba, ndi zina zotero, - ndemanga Almagul Burgusheva.

Tanena kale kuti ngongole yotetezedwa ndi malo ogulitsa nyumba siinaperekedwe kwa chinthu chilichonse. Chifukwa chake, muyenera kuyitanitsa chimbale chowunikira kuchokera ku kampani yovomerezeka. Tiyeni tikambirane zofunika.

Chipinda

Mtundu wotchuka kwambiri wa chikole. Komanso, obwereketsa ena amavomereza kuvomera zipinda zomwe si za wobwereketsa, koma za anthu ena. Inde, ngati iwo mwaufulu kupita pa belo. Tiyeni titenge chitsanzo. Banja laling'ono limakhala ndi makolo awo ndipo amafuna nyumba yawoyawo. Makolo safuna kutenga ngongole kapena sapatsidwa chifukwa cha ukalamba. Koma amavomereza ngati ongokwatirana kumenewo abwereketsa nyumba yawo.

Nyumbayo iyenera kukhala yamadzimadzi, ndiye kuti, ikhoza kugulitsidwa pamtengo wamsika nthawi iliyonse. Izi ndizofunikira kwambiri ku banki. Inde, sayenera kuikidwa kwina. Amangotenga zinthu m'nyumba zomwe si zadzidzidzi, osati kugwetsa. Palibe kukonzanso kosaloledwa. Amasamala za nyumba zokhala ndi matabwa pansi komanso zokhala ngati chipilala cha zomangamanga.

Ngongoleyo nthawi zambiri sichidutsa 60-80% ya mtengo wanyumba yobwereketsa. Zochulukirapo zidzaperekedwa pokhapokha ngati pali chitsimikizo ndi ntchito yovomerezeka.

Mwa njira, mungathenso kuyala chipinda m'nyumba ya anthu onse. 

Nyumba

Mtundu watsopano wa malo ogulitsa nyumba ku Dziko Lathu, lomwe likukula mwachangu m'mizinda yayikulu. Mwamwayi, iyi ndi malo osakhalamo, koma palibe amene amaletsa kukhalamo. Simungapeze chilolezo chokhalamo, samapereka ngongole zanyumba, simungathe kuchotsera msonkho pogula. Koma ngati muli eni nyumba, mutha kuwapatsa ngati chikole cha ngongole.

Zipinda ndizotsika mtengo kuposa zipinda zomwe zili m'dera lomwelo m'nyumba zofananira. Koma ubwino wawo ndi wakuti iwo ndi atsopano, kutanthauza kuti ndi amadzimadzi ndipo ali ndi ndalama zawo.

Nyumba zapakhomo

Monga lamulo, nyumba zamatauni ndi mtundu wodziwika bwino wamatauni. Amavomerezedwa mwakufuna kwawo ngati chikole, koma pokhapokha ngati nyumbayo ndi yovomerezeka, pali zolemba zonse - zowonongeka ndi nyumba zosaloledwa zimachitika.

Zofunikira panyumba ya tawuni: nyumbayo imagawidwa m'malo osiyana ndi khomo lapadera. Malo amene ali patsogolo pake ndi a mwini wake.

Nyumba zokhalamo

Ngati tikukamba za kanyumba kanyumba ndi malo ena akumidzi, komanso nyumba zapagulu mumzindawu, zimatengedwa ngati chikole ngati njira yanthawi yochepa. Ndizovuta kwambiri ndi nyumba zamaluwa ku SNT, popeza wobwereketsa sadzatha kuzigulitsa mwachangu, ndipo ndizotsika mtengo. Kupanda kutero, malamulo omwewo amagwiranso ntchito ngati zipinda, kuphatikiza zina zingapo zowonjezera.

• Mutha kukhala m'nyumba chaka chonse. Ndipo inu mukhoza kufika kwa izo mu nyengo iliyonse.
• Osati muvuto ladzidzidzi.
• Magetsi olumikizidwa kwa izo, pali Kutentha (gasi kapena magetsi), madzi.
• Nyumbayi siili pagawo la malo otetezedwa mwapadera kapena malo osungirako zinthu.

Momwe mungapezere ngongole yotetezedwa ndi malo ogulitsa nyumba

1. Sankhani banki kapena bungwe lazachuma

Ntchitoyi imatha kutumizidwa pa intaneti - kudzera pa webusayiti ya kampani, yosiyidwa pamalo oimbira foni kwa wogwiritsa ntchito kapena bwerani nokha ku ofesi. Gawo loyamba lidzafuna dzina lanu, tsiku lobadwa, zidziwitso zanu. Kuphatikiza apo, mudzafunsidwa kuti mufotokoze ndalama zomwe mukufunsira. Adzakufunsanso za mtundu wa katundu wanu.

Pambuyo pake, banki kapena bungwe lazachuma lidzapuma pang'ono: kwenikweni kuchokera mphindi khumi mpaka maola angapo. Chotsatira chake, chigamulo chidzaperekedwa - ntchitoyo ikuvomerezedwa kale kapena kukanidwa.

2. Konzani zikalata

Mukabwera ku ofesi, mutha kusonkhanitsa nthawi yomweyo mapepala ofunikira. Kodi munafunsira patali? Mwina wobwereketsayo avomereza kuti aganizire zowerengera zamakalata mumtundu wamagetsi. Mudzafunika:

• pasipoti yokhala ndi chilolezo chokhalamo (chizindikiro cholembetsa);
• chikalata chachiwiri (chosafunsidwa kawirikawiri) - SNILS, TIN, pasipoti, penshoni, layisensi yoyendetsa;
• chiphaso cha ndalama, buku lovomerezeka la bukhu la ntchito, chidziwitso cha boma la akaunti yaumwini mu thumba la penshoni - apa wobwereketsa aliyense ali ndi zofunikira zake. Ena amapereka ngongole popanda chitsimikiziro cha ndalama ndi ntchito, koma pamlingo wapamwamba;
• chikalata chomwe chimatsimikizira umwini wa malo ogulitsa nyumba. Izi zikhoza kukhala mgwirizano wogulitsa, kuchotsa ku USRN kwa nyumba kapena malo, chiphaso cha cholowa, mgwirizano wa zopereka kapena chigamulo cha khoti - chirichonse chomwe chimatsimikizira: ndinu mwiniwake ndipo mukhoza kutaya chinthucho;
• kwa malo okhalamo, adzapempha kuti atuluke m'buku la nyumba kapena chikalata chimodzi cha nyumba - amasonyeza kuti ndi anthu angati omwe amalembedwa m'nyumba;
• ngati mwakwatirana ndipo mwamuna kapena mkazi wanu sakufuna kukhala wobwereketsa, koma sakutsutsa kulonjeza nyumbayo, mukufunikira chilolezo chovomerezeka. Mgwirizano waukwati ndi woyeneranso, womwe umanena kuti mwamuna kapena mkazi (a) sangathe kutaya katunduyu. Wobwereketsayo angapemphenso mwini wake kusaina chikalata cha notary chakuti mwiniwake wa malowo anali mbeta pamene anagula. Pamapeto pake, nthawi zina zimatheka popanda notary - mwanzeru ya wobwereketsa.

Pezani kampani yowunikira yomwe ingapange chimbale choyesa. Mutha kuchita izi pasadakhale ngati mukufulumira kupereka zikalata zonse tsiku limodzi. Koma samalani: nthawi zambiri mabanki ndi mabungwe azachuma amagwira ntchito ndi makampani ovomerezeka ndi iwo.

Chikalata china chofunikira ndi inshuwaransi ya katundu. Mutha kupezanso malingaliro kuchokera ku kampani ya inshuwaransi pasadakhale kuti ikuvomera kutenga chinthu chanu ndi bilu yantchitoyo. Ndipo kachiwiri, samalani - pogwira ntchito ndi ogulitsa inshuwalansi amasankhanso.

3. Dikirani kuvomerezedwa kwa ntchitoyo

Kapena kukana. Kumbukirani kuti mutha kuyesa ndi wobwereketsa wina kapena kukambirananso ndi uyu. Mwachitsanzo, wobwerekayo amawerengera ndalama imodzi yotetezedwa ndi malo, koma wobwereketsa amavomereza kakang'ono, kapena sizikuwoneka kwa iye nkomwe kuti munthuyo sangakoke malipiro a mwezi uliwonse. Koma ngati mutapeza otsimikizira, tengani zikalata zopezera ndalama, gwirizanitsani obwereketsa, ndiye kuti ngongoleyo ikhoza kuvomerezedwa.

Nthawi yovomerezeka ya pempho lovomerezeka imatsimikiziridwa ndi wobwereketsa mwiniwakeyo. Nthawi zambiri ndi mwezi umodzi kapena itatu. Pambuyo ndondomeko lonse adzakhala kudutsa kachiwiri. Komabe, ngati mukuyang'ana ngongole zabwino kwambiri zotetezedwa ndi malo ogulitsa nyumba, mudzakhala ndi zikalata zonse zofunika ndipo mutha kulembetsa ku mabungwe ena azachuma.

4. Lembani lonjezo

Ku Rosreestr - dipatimenti iyi ili ndi udindo wowerengera ndalama zogulitsa nyumba m'dzikoli - payenera kukhala mbiri yoti kutsekedwa kwayikidwa pa malo ogulitsa nyumba. Kuyambira tsopano, mwiniwakeyo sangathe kugulitsa momasuka chinthucho ndikunyenga wobwereketsa.

Kuti mulembetse chikole, muyenera kupita ku MFC kapena Rosreestr. Nthawi zina mungathe kuchita popanda kuyendera maso ndi maso. Mabungwe azachuma amagwiritsa ntchito siginecha zamagetsi mwachangu ndikumalemba zikalata zakutali. Mutha kupereka siginecha yamagetsi nokha, ndipo ngati simukudziwa komwe ndi motani, wobwereketsa angakuuzeni. Siginecha imalipidwa, pafupifupi ma ruble 3-000. Obwereketsa ena amaupereka kwa obwereketsa.

5. Pezani ndalama

Mukasaina mgwirizano, mutha kupempha ndalama ndi ndalama kapena kutumiza ku akaunti yakubanki. Banki iperekanso ndondomeko yolipira. Mwina malipiro oyamba ayenera kupangidwa kale m'mwezi womwewo.

Malo abwino kwambiri opezera ngongole yanyumba ndi kuti?

Banks

Njira yotchuka kwambiri. Ngongole zotetezedwa ndi nyumba, nyumba zogona, nyumba zogona komanso magalasi zimaperekedwa ndi mabungwe omwe ali pamwamba pa Central Bank (mabungwe akulu kwambiri potengera kuchuluka kwa makasitomala ndi katundu) komanso anzawo "odzichepetsa". Mwachitsanzo, mabanki am'deralo.

Mabanki ndi osamala kwambiri powunika chithunzi cha wobwereka. Amayang'ana mosamala zikalata, ndipo njira yovomerezeka yofunsira ikhoza kutenga sabata kapena kupitilira apo. Mabanki nawonso sakhala ndi mwayi wodziwa kuchuluka kwa ngongole. Ili ndi bizinesi yayikulu yomwe ikufuna kudziteteza ngati wobwereka akulephera kulipira mwadzidzidzi.

Khalani okonzeka kuti potsatsa banki idzakunyengererani ndi mtengo umodzi pa ngongole yotetezedwa ndi nyumba, ndipo ikayang'ana zolemba zanu, idzakupatsani apamwamba. Kuti achepetse ndi mfundo zochepa, adzipereka kukhala kasitomala wawo wolipira kapena kugula inshuwaransi yowonjezera kuchokera kwa anzawo.

Makampani

Pali makampani ndi osunga ndalama omwe amapereka ngongole. Tikukakamizika kunena kuti 2022 iyi ndi "imvi" zone malinga ndi kuvomerezeka kwa ngongole zotere. M'dziko Lathu, ndizoletsedwa kuti osunga ndalama azipereka ngongole kwa anthu omwe amatetezedwa ndi malo. Bizinesi yokha (IP kapena LLC).

Komabe, zopindika m’chilamulo zimapezeka. Komanso, pafupi ndi chinyengo ndi kulembetsa mabungwe zabodza zamalamulo. Kapena amalembanso katundu wa wobwerekayo mwachindunji, kumusokeretsa.

Ngati mwasankha kutenga ngongole kwa wogulitsa ndalama wotetezedwa ndi malo ogulitsa nyumba, onetsetsani kuti mufunsane ndi loya wodziimira payekha kuti athe kuwerenga mgwirizano wa "matanthauzo obisika" ndikukuthandizani pazochitikazo. 

Njira zowonjezera

M'dziko Lathu, pali ma CPC - mabungwe a ngongole ndi ogula. Ali ndi eni ake ogawana nawo - kunena mosapita m'mbali, anthu omwe adayika ndalama zawo padziwe wamba kuti eni ake ena, ngati kuli kofunikira, azigwiritsa ntchito. Zachidziwikire, osati "zikomo", koma pazopindulitsa zonse. Chonde dziwani kuti ma CCP ovomerezeka ali m'kaundula wa Banki Yaikulu.

Ngongole yotetezedwa ndi malo mu CPC imagwira ntchito motere. Wogulayo amakhala wogawana nawo. Akupempha ngongole. Cooperative imavomereza kapena kukana. Chilichonse chili ngati banki, koma ma CCP safuna zambiri pa umunthu wa wobwereka ndikuvomereza ngongoleyo mwachangu. M'malo mwake, chiwerengero chapamwamba chimayikidwa (sichingakhale chapamwamba kuposa momwe Banki Yaikulu ikufunira). Mabanki ena "ankhanza" amatanthauza kulipira mochedwa.

M'mbuyomu, ma MFIs (mabungwe ang'onoang'ono, pazokambirana za tsiku ndi tsiku amatchedwa "ndalama zofulumira") ndi ma pawnshops amathanso kupereka ngongole zotetezedwa ndi malo. Tsopano saloledwa kutero.

Ndemanga za akatswiri okhudza ngongole yotetezedwa ndi malo

Tidafunsa Almagul Burgushev, wamkulu wa dipatimenti yobwereketsa yotetezedwa ya kampani ya Finance Gawani maganizo anu pazantchitoyi.

“Ngongole zoperekedwa ndi nyumba zikungokulirakulira chaka chilichonse. Anthu anayamba kumvetsetsa kuti izi ndizopindulitsa kwambiri: mitengoyi ndi yotsika kwambiri kusiyana ndi kubwereketsa kwa ogula, mawuwo awonjezeka mpaka zaka 25. Palibe malingaliro olakwika ponena za kuopsa kwa kubwereketsa koteroko. Makasitomala amatenga ngongole yotere, mwachitsanzo, kutseka ngongole zawo zisanu kapena khumi. Kupatula apo, ndizopindulitsa kwambiri kulipira kubanki imodzi. Ngongole yayikulu kwambiri yotetezedwa ndi nyumba ndi zotheka mpaka 80% ya mtengo wa chinthucho.

Amagwiritsa ntchito ngongole zotere kuti atsegule bizinesi yawoyawo kapena kuthandiza bizinesi yawoyawo. Palinso mikhalidwe yomvetsa chisoni kwambiri pamene chiŵerengero chochuluka chikufunika kuti achibale achite opaleshoni.

Inde, mukhoza kugulitsa nyumba, koma ngati munthu ali wotsimikiza kuti akhoza kulipira, ndiye bwanji osagwiritsa ntchito ngongole? Mutha kugulitsa nthawi zonse, ngakhale mutatenga ngongole yotetezedwa ndipo mwadzidzidzi simunathe kulipira. Ngongole yamtunduwu ndi yoyenera kwa aliyense amene akudziwa bwino komwe angabwezere ngongoleyo.

Koma angongole. Mabanki nthawi zonse amakhala nthawi yayitali yobwereketsa komanso mtengo wotsika. Koma kuganiziridwa kwa pempholi ndikwatalikirapo ndipo amafunikira kwambiri kwa wobwereka, mbiri ya ngongole, ntchito. Nthawi zambiri kasitomala amaganiza kuti ngati alonjeza nyumba yake, banki sayenera kumufunsa mafunso osafunika. Komabe, banki imayang'anitsitsa wobwerekayo, mosasamala kanthu za kuchuluka kwa nyumba yake.

Mabungwe a ngongole (CPCs) ali kale okhulupirika kwa makasitomala, koma mitengoyo ingakhale yokwera pang'ono kuposa mabanki. Osunga ndalama wamba ali okhulupirika chimodzimodzi. Koma zimenezi sizikutanthauza kuti akupereka ndalama kwa aliyense. Satifiketi ya ndalama sizofunikira, koma amawunika kudalirika kwa wobwereketsa pakufunsidwa. Wogulitsa ndalama atha kupeza ndalama patsiku la chithandizo ndipo izi ndizopindulitsa.

Mwachidziwitso, ngati kasitomala akufuna kupeza ndalama mwachangu, atha kupempha kwa Investor kapena CPC, kenako ndikuwonjezeranso banki. ” 

Mafunso ndi mayankho otchuka