Kodi kugula nyumba, ngati palibe ndalama, ndi banja achinyamata?

Nthawi zambiri, mabanja achinyamata kuyendayenda mu chipinda pang'ono, kapena ndi makolo awo, nchifukwa chake chiwerengero cha mabanja zikuchulukirachulukira. Pa nyumba osiyana mabanja ambiri likhoza sindingazikwanitse, koma nyumba zawo - izi mozindikira kukwaniritsa maloto! Kodi kugula nyumba, ngati palibe ndalama? Ndi vuto, ndipo adzakhala ayankhidwa m'nkhani ino.

Gawo kukonzekera kwa nyumba yopanga

Kuti ndimalota za nyumba muyenera kukonza, ndicho kujambula maloto awo pa zolinga ndi zokhumba. Ndipo kotero muyenera kuyankha mafunso otsatirawa.

• The nyumba adzakhala adagula ndalama kapena kutenga ngongole? Ngati Cash, inu lembani anthu amene chidwi mwankhanza ngongole, kapena popanda iwo, ndipo kwautali. Ngati inu kutenga ngongole, mabanki ndi kulembetsa (dzina mfundo kukhudzana ndi kubweza ndi mlingo mawu).
• M'dera zimene mukufuna kugula nyumba? Kodi zipinda ambiri adzakhala mu nyumba ya? Kodi amafuna malo?
• Kodi ndalama muyenera nyumba m'dera ankafunira? Mwachitsanzo, mukufuna kugula nyumba 1 chogona, choncho makamaka m'dera prozvanivatsya kwa malonda onse, kuti anthu amvetse mfundo mitengo.
• Kodi ndingapeze ndalama? yaitali bwanji kuti lipeze mlingo chofunika?

gawo Izi kumatenga malinga ngati banja wamng'ono sindifika kubweza kapena ayi kugula nyumba. Choncho, zingatenge zaka zochepa kapena miyezi ingapo. Koma tiyenera zonse kukhala wadziwa! Ndiko kuti, mabanki ndi zochita zosiyana kuti akhoza kukumana banja ndi ndalama 15-20,000 rubles mwezi popanda guarantors.

Kapena kukumana nyumba kumene eni mwachangu kusuntha kupita ku dziko lina ndi kugulitsa nyumba osankhika ndi mipando khobiri. Koma kuti 'mwayi ndi mchira ", muyenera zonse kuitana mabanki onse, anzawo ndi malonda payekha.

Kodi kugula nyumba, ngati palibe ndalama kugulira nyumba?

mabanki ambiri salola mabanja achinyamata chifukwa malipiro awo otsika. Mwachitsanzo, mu Sberbank amafuna kuyeza wa kubweza: pakuti banja la anthu 3 ndalama ayenera kukhala osachepera 45 zikwi rubles, guarantors awiri ndi ndalama wofanana ndi kupanda ulemu ndi zambiri zolembedwa pakuyenerera.

Pankhaniyi, mmene kugula nyumba popanda ndalama? Search mabanki, kumene gawo la nyumba zatsopano (pamtengo yachiwiri ndi apamwamba ndi kufuna wowawa), pamene banja ndi ndalama mwezi wa rubles 20 zikwi mukhoza kupeza kubweza kwa zaka 15 ndi 12 peresenti popanda guarantors ndi phukusi osachepera zikalata (kalata ya ndalama msonkho amawagwiritsa ntchito miyezi isanu ndi umodzi, makope pasipoti, mbiri yanu ntchito ndipo pa maphunziro dipuloma). Ichi ndi chifukwa chakuti nthawi imene mabanki Kodi kuganizira ndalama banja, komanso lokha pa akadzabweranso lapansi.

Timatenga kubweza, kumene kuti ndalama zingati pa?

Kubweza - izi ndi njira yaikulu kugula nyumba, ngati palibe ndalama. Pakuti malipiro chofunika osachepera 10% ya mtengo wa nyumba. Panopa, pali makampani kuti kumanga nyumba kuchokera 950.000 rubles. Ndiye, pa malipiro koyamba yokwanira oyimba 95 000 rubles.

kuchuluka izi zikhoza anaimba ndalama lokha. Mwachitsanzo, phindu kwa mimba ndi umayi tchuthi akhoza kupanga kuchuluka kwa malipiro a pansi. Ngati banja akuyembekezera mwana wachiwiri angathe kutenga likulu umayi, chifukwa zomwe n'zotheka kuchepetsa mlingo kubweza.

Kamodzi tinaganiza pa gombe dzanja pa zikalata ndi kudikira zochita nazo. Atalandira ngongole kwa miyezi ingapo (3-6) pang'onopang'ono kusonkhanitsa zikalata kwa nyumba chuma, kodi inu amalangiza akatswiri osiyanasiyana ku kampani anaumanga ndi banki.

Choncho, kuti maloto anu akwaniritsidwa, muyenera kupanga utheke, masekeli chilichonse, ndipo ndipita kwa chandamale, popanda kutembenuza, kupeza mwayi! Only mu nkhani iyi, funso: "Kodi kugula nyumba, ngati palibe ndalama, monga angapo zaka?" - kodi si mapeto akufa.