Moyo wa zaka

Sizobisika kuti anthu ogwira ntchito m'ndondomeko ndi amodzi mwa anthu omwe ali pachiopsezo kwambiri. Mapenshoni a msinkhu wakalamba ndi okwanira kwambiri kuti awonetsere zochepa zomwe zimafunika chakudya ndi zovala, ndi kulipira ntchito zothandizira. Chabwino, ngati munthu wachikulire ali ndi ana omwe amathandiza ndalama ndi zakuthupi - konzekerani, pita kugula, pitirizani kugula. Komabe, sikuti aliyense ali ndi mwayi. Makolo ena okalamba amakhala ndi ana akuluakulu nthawi zonse amadzifunsa kuti "kulipira," ena amangokhala opanda ana ndipo, kotero, alibe malo oti adikire.

Kodi mungapeze bwanji njira yothetsera vutoli? Mwachitsanzo, kukwaniritsa mgwirizano wa lendi. Ngati pulogalamu ya penshoni ilibe oloŵa nyumba, malo osungirako nyumba pambuyo pa imfa yake achoka mumzindawu, choncho ndi kwanzeru kwambiri kupeza phindu lenileni la malonda omwe akadali ndi moyo.

Kodi moyo umakhala wotani ? Ichi ndi malipiro a ndalama omwe munthu angalandire nthawi ndi nthawi mpaka imfa. Chigwirizano cha ndondomekoyi ndi yopindulitsa kwa onse awiriwa: mmodzi adzalandira thandizo, chisamaliro, chisamaliro ndi chisamaliro, chomwe chidzafunikanso, ndipo chachiwiri - malo enieni pamtengo wotsika kwambiri kuposa msika. Moyo wathanzi ndi mwayi weniweni wokhala ndi nyumba, makamaka mumzinda wawukulu, komwe mtengo wa nyumba umakwera ku ruble 5-7 miliyoni. Kuchuluka kwa malipiro pansi pa mgwirizano wa lendi kukugwirizanitsidwa ndi mgwirizano wotsalira pa phunziro la dzikoli. Pali lendi ya moyo nthawi zonse pamaso pa notary.

Zoona, mgwirizano umenewu uli ndi zovuta zazikulu. Yoyamba ndipo, mwinamwake, yofunika kwambiri: ngati lendi ikuperekedwa ku nyumba imene mwiniwake amakhala, mukhoza kupita kwa iye kokha pambuyo pa imfa yake. Chifukwa chake, milandu ngati banja lilipira ndalama kwa zaka zambiri pansi pa mgwirizano wa ndalama, pamene zimakhala pakhomo lochotsamo, si zachilendo. Chiwiri chachiwiri ndicho kusatsimikizika kwa mawu. Inde, munthu akhoza kukhala moyo pambuyo pa mapeto a mgwirizano kwa miyezi itatu, ndipo mwinamwake zaka makumi awiri. Ndipo panthawiyi ayenera kulipira ndalama.

Pali vuto limene munthu aliyense wamwamuna wazaka 40 ndi mkazi wake wazaka 92 analembetsa kuti azikhala ndi moyo. Pomalizitsa mgwirizanowo, adayembekezera kuti posachedwa adzakhala mwini wake wa nyumba yake ndikutha kusamukira pamodzi ndi banja lake. Komabe, tsoka linanena mosiyana. Mayi wina wachikulire anakhala ndi moyo zaka 112, ndipo mwamuna anamwalira ali ndi zaka 60, ndipo atamwalira, ana ake okalamba anapitirizabe kulipira. Nyumba yomwe idayenera kuchoka kwa iwo inali yotayika panthawiyi, komanso, kwa zaka 20 banja linalipira zambiri ngati likanakhala lokwanira kugula nyumba zitatuzo.

Chowonadi, vutoli ndilopadera, osati lamulo, komabe, chofunikira cha chitsanzo ndi chowoneka - munthu sangathe kuwerengera kuti miyezi ingati kapena zaka zingati zidzalipire moyo wa zaka.

Kwa munthu wofuna lendi, pali chokhacho chokha - pali chiopsezo choyenderera ku zigawenga omwe, osayesa kugwiritsa ntchito ndalama ndikudikirira kutha kwa chilengedwe, adzayesa kufulumira kupita kwawo kudziko lina. Pofuna kupewa izi, ndi bwino kukambirana ndi anzanu abwino, oyandikana nawo, achibale, anzanu. Ndi ana, nanunso mungathe kukwaniritsa mgwirizanowu, makamaka ngati iwo anali ndi ndalama, koma sakufuna kuthandiza makolo okalamba. Life annuity ingaperekedwe kwa mmodzi kapena anthu angapo. Pankhaniyi, malo ogulitsa nyumba angagwiritsidwe ntchito pambuyo pa imfa ya mwini womaliza omwe atchulidwa mgwirizano.

Simungadzikonze nokha, koma kwa munthu wachitatu. Mwachitsanzo, ana omwe amakhala kudziko lina omwe alibe mphamvu yosamalira bambo ndi mayi awo, koma omwe ali ndi nyumba, angathe kupanga mgwirizano ndi munthu wachitatu yemwe adzalandira malo kuti azitha kuwathandiza komanso kuthandizira makolo. Ngati zinthu sizikuchitika , mgwirizano wa lendi ukhoza kuthetsedwa m'khothi.