Masiku ano, udindo wogwira ntchito si chinthu cholepheretsa kulembetsa ngongole yanyumba. Za momwe mungapezere ngongole kwa anthu omwe amapereka pawokha, tinakambirana ndi mutu wa Bank of the Alumalinburg Svetlanavoy.
- Ndi kuchuluka kwa zomwe zingapezeke kwa ngongole yanyumba kumabwera ndi chiyani?
- M'miyezi iwiri yoyambirira ya 2021, gawo lanyumba lanyumba lodzigwiritsa ntchito ku Sverdlovsk dera lomwe linali la Sverdlovsk lomwe linali lachiwiri. Zitha kukhala zoposa 1.5-2 nthawi zambiri, koma nthawi zambiri amadzigwiritsa ntchito sadziwa kuti amathanso kupanga nyumba zanyumba ngati ip kapena nzika zomwe zimagwira ntchito.
Monga koyambirira kwa February 2021, pafupifupi anthu 51,000 omwe adawagwiritsa ntchito adalembetsedwa ku Sverdlovsk dera. Pafupifupi, kuwonjezeka kuli anthu pafupifupi 4,000 pamwezi. Chifukwa chake, kufunikira kwa ngongole za gululi kumakula.
Timalosera kuti pofika kumapeto kwa 2021, gawo la kukonzanso ngongole kwa olemba ntchito kumatha kukula mpaka 4-5% yonse.
- Ndi mafakitale ambiri nthawi zambiri amakhala obwereka omwe amadzigwiritsa ntchito?
- Malinga ndi zomwe tikuwona, nthawi zambiri amadzilemba okha, omwe akufuna kukonza ngongole, amatenga nawo galimoto, amagwira ntchito, amagwira ntchito, amalandila makochi oyenera komanso makochi okwanira . Komanso zotchuka za renti ndi malo ogulitsira renti, malonda pazinthu zogulitsa.
- CHIFUKWA CHIYANI KUPITSA KOSASANSO KUPEREKA Ngongole Yodzilamulira Yekha?
- Mwambiri, mabanki safuna kugwira ntchito modzilamulira. Chifukwa chachikulu ndikusinthasintha ndi chitsimikizo chovomerezeka cha ndalama. Pankhani ya nzika zomwe akuchita pantchito, ndi mgwirizano wa ntchito, zomwe zimapeza zitha kutsimikiziridwa ndi Reference 2-Ndfl kapena mawonekedwe a banki. Malipiro aiwo nthawi zambiri amakhala okhazikika. Koma ndalama zodzilemba zokha siziwoneka bwino kwambiri ndipo zimatha kusintha kuchokera pa mwezi mpaka mwezi.
Koma mu Bank Yachibanki, kulembetsa monga odzilemba ntchito si cholepheretsa kutenga ngongole. Timatulutsa gulu lotere la nyumba zokhala pansi pa mapulogalamu okhazikika, osawerengeka 8.84% pachaka. Kulembetsa kwa "ngongole ya ana" pamlingo wa 5.49% pachaka ndizotheka. Ndalama zoyambirira zodzilemba zokhazokha ndizochepera 30% ya mtengo wa nyumba.
- Ndi zikalata ziti zomwe zikuyenera kukonzedwa mwa kudzilemba ntchito kuti mutsimikizire kuti ndalama zanu ku banki?
- Njira yopereka ntchito kuchokera kwa wogwira ntchito yolemba ndalama komanso nzika zodzilemba ntchito ndizosiyana ndi ife ndi phukusi la zikalata. M'malo mwa zikalata zokhudzana ndi ndalama ndi makope a mbiri yantchito, yomwe imatsimikizira olemba ntchito, odzilemba okha ayenera kupereka zikalata zolembedwa kuchokera pa msonkho. Ili ndi satifiketi yolembetsera munthu ngati okhometsa msonkho (Knd 1122035) ndi satifiketi ya mkhalidwe wa seculations (CBD 1122036).
Ndikudziwa kuti kugwiritsa ntchito podzilemba ntchito kumaganiziridwa kubanki ya kuvomerezeka payekhapayekha, motero kuyankha nthawi yayitali kumakhala kotalikirapo kuposa ola limodzi, komanso pafupifupi tsiku limodzi. Zochitika Zogwira Ntchito Podzisunga ziyenera kukhala zosachepera miyezi isanu ndi umodzi. Mulingo wa zomwe zimachitika komanso nyengo ya gawo la ntchito ndiyofunikira.
Inde, mbiri yakale ya mbiri ya ngongole. Tiyerekeze kuti pali obwereketsa awiri omwe ali ndi ndalama zomwezo. Chimodzi mwa iwo ndi odzigwiritsa ntchito ndi mbiri yabwino ya ngongole, ndipo winayo ndi waganyu amene waloledwa mobwerezabwereza, mwayi wovomereza ngongole yoyamba ikhale yapamwamba kwambiri.
Tumizani fomu yobwereketsa ngongole. Nzika zodzigwirira ntchito zokha zimatha - patsamba la webusait bank kapena kudzera mumiya pakati pa oyang'anira ndi mapulani omwe amalumikizidwa ndi nsanja yathu ya digito.