Mafunso 7 omwe ali oyenera kukhazikitsa nyumba

Kodi muli ndi ndalama bwanji?

Inde, nkwachikulu tsopano zovuta kuyitanitsa china chake, koma ntchito yosalekeza ndikadali bwino kwa inu kuposa mafano. Osachepera zomwe mungawerengere pa malipiro pa tsiku lina. Koma apa chilichonse sichoncho. Dziperekeni nokha ku funso kuti ndi wofunika bwanji ndipo mugwira ntchito nthawi yayitali ndikulandila malipiro awa. Kupatula apo, ngongole ndi njira yofananira kwambiri, yomwe nthawi zambiri imachedwa kwazaka zambiri. Chifukwa chake, mukakhala ndi chidaliro mu ndalama zathu, ndizosavuta kulipira ngongole yanyumba.

Udindo wofunikira kwambiri umaseweredwa chifukwa choti muli ndi malipiro oyera kapena mumachipeza mu emvulopu. Kukula kwa zopeza kumakhudza mwachindunji ngati mungapirire banki ya ngongole komanso kuchuluka kwake.

Mwa njira, ngakhale paulaliki, mutha kubweza ngongole. Chinthu chachikulu ndikugawa mphamvu zanu kuti ndalamazo ndi nthawi ya clutch. Koma ngati ndalama zanu sizikhala zokhazikika, kapena mumayika pachiwopsezo tsiku lililonse kuti musakhale osagwira ntchito (kufalikira kwa bizinesiyo, ubale woipa ndi mabwana), ndi ngongole yanyumba.

Ndalama zingati pamwezi muyenera kukhala ndi moyo?

Kuwerengetsa kuchuluka kwa ndalama zomwe muyenera kukhala, osalola kukhalapo choopsa, ndipo mumagwiritsa ntchito ndalama zambiri (chakudya, zovala, zolipira zovomerezeka); Ndi kukhala ndi moyo wogawana kapena kunyamula pang'ono, kukhala ndi mwayi wopuma nthawi zina ndipo amagwiritsa ntchito ndalama zofunafuna.

Mudzapeza ndalama ziwiri kuti mumvetsetse zomwe mumalipira pamwezi mutha kupanga ngongole. Monga tanenera pamwambapa, ngongole yotereyi nthawi zambiri imatengedwa kwa zaka 10-15, ndipo ngati malekezero akwaniritsa zaka zonsezi, sizikhala moyo, koma kuzunzidwa. Mangani lamba ndibwino nthawi ndi nthawi.

Koma sikokwanira kuwerengera bajeti yanu. Ndikofunikira kuyesa muzochita. Khalani pansi ndi ochepa, komanso ndi bajeti yabwino kwa miyezi ingapo. Ndipo yesani kuchedwetsa ndalama zomwe mukufuna kuti mupereke ndalama zolipira ngongole yanyumba, ku akaunti ya nsalu ya njovu kubanki, kuti mumve zomwe mukukhala popanda ndalama. Nthawi yomweyo, pamalo oyamba omwe angakudziwe.

Pexels / Karolina grabowska kodi muli ndi ndalama zolipirira ndalama zoyambirira?

Nthawi zambiri mabanki amafunsidwa poyambirira kwa 20% ya mtengo wa nyumba. Mwachitsanzo, ngati mukufuna kugula nyumba ya 5 miliyoni, zopereka zoyambirira ziyenera kukhala ma ruble osachepera 500.

Kuphatikiza apo, poyambiranso zopereka zoyambirira, zomwe siziyenera kutenga ngongole ndi banki. Chifukwa chake, simudzakhala ocheperako chidwi pa ngongole ndi ngongole.

Kodi mukufuna kukhala ndi chiyani ndipo mungadalire chiyani?

Lembani mndandanda wazomwe mungasankhe nyumba. Mwachitsanzo, mumafunikira nyumbayo mkati mwake, munyumba yatsopano, malo atatu osakira mamita 90, ndikukonzanso. Komanso, onjezerani pamndandandawu ndalama zomwe zili m'nyumba, kukonza ndi kugula kwa mipando. Mupeza mtengo weniweni nyumba ya maloto.

Ndipo tsopano zikutsimikizika ndi nyumba yomwe mungakwanitse. Kuzindikiridwa kuchokera pamndandanda wazomwe zimawoneka kuti sizikuwoneka ngati zochulukirapo poyerekeza ndi zotsalazo ndipo zomwe zingachepetse mtengo wa nyumba yomwe ili ndi inu.

Kodi muli ndi katundu wobisika?

Zomwe zimazizira komanso zodalirika ntchito yanu zitha kuchitika kuti mukhale osakhala wopanda iye. Kuti athe kupeza ntchito yatsopano popanda kuthamanga kwa paranoia ndi kuthamanga kwambiri kuti ayang'ane ntchito yatsopano, ndikofunikira kukhala ndi katundu yemwe mudzakhala ndi zokwanira kwakanthawi kuti mulipire ziphuphu ndi moyo. Zoyenera - kwa miyezi itatu. Popanda kusungirako, akatswiri sakulangizani kuti mutenge ngongole yanyumba.

Pexels / Andrea Piacquadio Kodi mukufuna kubereka ana?

Zimatengera izi, ngati mukufuna nyumba yayikulu posachedwa, ndipo mumakuvutani ndi amuna anu kuti mulipire ngongole mukachoka pa mwana.

Koma mwana si ndalama zokha. Tsopano pakubadwa kwa mwana woyamba, boma limapereka likulu la amayi, lomwe limatha kugwiritsidwa ntchito pobweza ngongole zanyumba.

Kodi Mungathandize Bwanji Boma?

Kuti mubwezeretse ngongole zanyumbayo, Boma limapereka zabwino zambiri. Posachedwa, pulogalamu yobwereketsa yobwereketsa idayamba kugwira ntchito. Chiwongola dzanja cha ngongole chimachepetsedwa 6%, ndipo mabanki ambiri akugwira ntchito kale ndi pulogalamuyi. Zowona, malire a ndalama amaikidwa pa kugula nyumba mu likulu ndi zigawo zina mdzikolo.

Kuphatikiza apo, mapindu osiyanasiyana ndi chithandizo chamankhwala zimaperekedwa kwa mabanja achichepere (komwe okwatirana sanatembenuzire zaka 35), mabanja akuluakulu komanso mabanja opeza ndalama zochepa. Pomaliza, kugula kwa nyumba, mutha kubweza msonkho mpaka ma ruble miliyoni miliyoni.