Mgwirizano wa moyo annuity. Chinyengo cha mgwirizano

Mgwirizano wa moyo annuity. Zina zimawoneka njira yophweka yokhala ndi nyumbayo. Ena amaona mgwirizano umenewu ngati mwayi wokhala ndi ukalamba. Enanso amagwiritsa ntchito kokha mwachisawawa, nthawi zambiri Cholinga chauchigawenga. Pezani nokha kuti monga katundu wosamutsidwa sangagwire nyumba kapena nyumba. Komabe, zinthu zina sizipezeka kawirikawiri pamagwirizano a mtundu umenewu. Kodi ndi zovuta ziti zomwe zingakumane ndi kuthetsa mgwirizano wa moyo, kodi ndi ufulu ndi udindo wa aliyense wa maphwando?

Tiyeni tiyambe ndi mfundo zazikulu. Masiku ano, mitundu iwiri ya mgwirizano woteroyo imasankhidwa. Mmodzi wa iwo akuphatikizapo kusamutsidwa kwa malo okhalamo, pokhapokha ngati kubwezeredwa kwa mwiniwake, mpaka nthawi ya imfa yake, ndalama yake yowonjezera mwezi idzaperekedwa. Izi, makamaka, zidzakhala mgwirizano wa moyo annuity. Mtundu wachiwiri wa mgwirizano woterewu umakhala ndi zinthu zosiyana. Mwini mwiniwakeyo amapitanso ufulu wa nyumba kwa munthu wina, koma, kuwonjezera pa malipiro a mwezi uliwonse, amapatsidwa thandizo lina (chithandizo chamankhwala, Kugulira mankhwala, ndi zina zotero). Amachitcha mgwirizano woterewu "Chigwirizano cha moyo nthawi zonse ndi ogonjera". Zokambiranazi zimasiyana kusiyana wina ndi mzake osati ndi udindo ndi ufulu wa maphwando. Makhalidwe a kulembetsa kwawo ndi chizindikiritso ndi osiyana.

Pofuna kukonza nkhani yowonjezereka, tidzatha kudziwa momwe maphwando amatchulidwira m'mabungwe amenewa. Mwini mwini nyumba, ndikupereka ufulu kwa munthu wina, ndi phwando lofuna kubwereka. Munthu yemwe adziyika yekha udindo wa kusamalira kwawo kubwezeretsa nyumba, ndi wotumiza.

Luso lokhala ndi moyo wautali liyenera kutsimikiziridwa ndi notary, kopanda apo pepala ili silikhala ndi mphamvu zonse zalamulo. Ufulu wa umwini ku malo okhalamo amapita kwa wotumiza. Mfundo iyi ikukhudzidwa ndi kulembedwa kwa boma. Pambuyo pake, wothandizirayo akuyenera kupita ku renta ndalama mwezi uliwonse, ndalama zomwe sizingakhale zosachepera 2 malipiro ochepa. Ngati malamulo akusintha, chiwerengerochi chiyenera kuwerengedwa. Dziwani kuti kusamutsidwa kwa umwini kungakhale kopanda malipiro komanso ndalama zina.

Popeza atasiya kukhala woyang'anira nyumba, mwiniwakeyo saloledwa kukhala m'dera lino. Chinthuchi chiyenera kukhalapo mu chikalata. Komanso, sizingakhale zodabwitsa kulingalira kupeza chilolezo cha yemwe kale anali mwiniwake malonda ndi malo okhalamo omwe kale anali nawo.

Malinga ndi zogulitsa zomwe sizikutanthauza ndalama zokhazokha, komanso kupereka Ntchito zina zowonjezera, zimagwiritsidwa ntchito mocheperapo kusiyana ndi mgwirizano wa kubwereka kwa moyo wonse. Kutchuka kwa mapangano a mtundu umenewu ndi chifukwa chakuti ndi kovuta kudziwa mndandanda wawo womwewo, ndipo kuchuluka kwa zofunikira zina kwa omwe akudalira ndi kovuta kufotokozera. Choncho, phwando lofuna kubwereka lingathe kukhazikitsa zovuta zomwe wopereka sangathe kuchita. Chowonadi, chotsatiracho, chingakhale ngati maziko a kuthetsa msonkho.

Chigwirizano cha moyo chikhoza kuthetsedwa pokhapokha ngati abwana sakuchita bwino ntchito yake: satumiza ndalama pa nthawi.