Malingaliro Olowera

Kugula nyumba mu msika wogulitsa nyumba ndi nyumba. Kuwongolera kumagawo a malonda otere, kulola kupewa zodandaula.

Chithunzi .ru.

Ngati mungaganize zogulira nyumba, muyenera kusankha ndalama pomanga nyumba yatsopano kapena yogula pamsika wachiwiri. Milandu yowonjezereka ya chinyengo amalimbikitsa ogula ambiri omwe angakhale asankhe njira yachiwiri. Kwa iwo, timapereka chitsogozo cha magawo a zomwe zimachitika, zomwe zimalola kupewa miyala yaitali.

Chifukwa chake, lingaliro lidapangidwa, mukugula nyumba osati mu nyumba yatsopano, koma pamsika wachiwiri, wotembereredwa kale komanso wokotedwa. Ma PLUSS mosakayikira mosakayikira simuyenera kudikirira kuti mathange alongeka ndikulingalira ngati nyumbayo idzakwezedwa pa nthawi yake. Kuphatikiza apo, pogula nyumba mnyumba yomwe muli yomanga, muyenera kuchita pafupifupi miyezi isanu ndi umodzi kuti muyembekezere kulembetsa kwa boma kwa iwo. Komabe, munthu amene akufuna nyumba yachiwiri amafunikira kumvera kwambiri. Gawo la msika limakhala pachiwopsezo. Pano pali chinyengo kwambiri, kuposa choyambirira, ndipo nthawi yobwerera nyumbayo ndi zaka zitatu kuyambira nthawi yozindikira zosavomerezeka. Omwe aliwonse omwe kale mwa nyumba amatha kutsutsana ndi nthawi yomwe idakhazikitsidwa (ndi zifukwa zokhala ndi unyinjiwu, nthawi zina zimapangidwa dala). Ngati pali kuphwanya malamulowo, Khothi limabweza maphwando kumalo oyambirirawo. Chiwerengero cha ntchito yothetsedwa pamsika wogulitsa katundu siochepera: ku Moscow, mwachitsanzo, pafupifupi 3% ya chiwerengero chonse cha iwo. Pofuna kuti musawonjezere ziwerengero zomvetsa chisonizi, muyenera kuganizira za zochita zanu zonse.

Sankhani nyumba

Kuyamba Komwe? Inde, pofufuza nyumba. Ngati mulibe malire panjira, funsani bungwe loti akatswiri omwe akatswiri adzatenga malo okhala. Mlandu woyambirira wakupha uku akuyembekezera pano. Ubale wokhala ndi kampani yanyumba yogulitsa malo ayenera kuperekedwa. Ndikofunikira kwambiri mu gawo la mgwirizanowo kuti muwonetse magawo onse a nyumba yomwe mukuyang'ana: Chigawo, mtundu wa nyumba, pansi, malo, zipinda zambiri. Chidziwitso chokwanira chothandizirani chizilandira, ndizosavuta kupeza njira yoyenera.

Chonde dziwani kuti mgwirizanowu ndi bungweli uyenera kudziwa kukula kwa kubweza kwa oyang'anira. Ndine upangiri umodzi. Kutembenukira kwakukulu pakadali pano kuti bungweli lidzakunkhani njira zitatu zomwe zimakwaniritsa zofuna zanu, ndipo mkati mwa nthawi yayitali. Mosakayikira, eni enieni adzakubwerera kwa inu patsogolo ndikulipira. Zachidziwikire, mkhalidwe uwu wa mgwirizanowo sizitanthauza kuti mutha kukhala wopanda chidwi ndikusiya zipinda zonse zoperekedwa zomwe zimakwaniritsa mikhalidwe yanu. Ngati mawuwo adaphonya chifukwa cha cholakwika chanu (mwachitsanzo, mudakana zosankha zoperekedwa ndi zifukwa zomwe zimaperekedwa chifukwa cha zifukwa zomwe zimagwiritsidwa ntchito ndi zomwe Realtor yosakira nyumba.

Nyumba yogula siyipereka misonkho. Wogulitsayo adzalipira msonkho - 13% ya mtengo wa nyumba (ndi kuchotsera phindu). Koma ngati malo omwe mumagulitsira nawo muli oposa 5 zaka kapena ndalama zosakwana ma ruble 1 miliyoni, mumasulidwa ku msonkho. Ngati wogulitsa anali ndi nyumba yochepera zaka 5, adzalipira msonkho ndi kuchuluka kwa ndalama zomwe amagulitsa kugulitsa malo okwanira ma ruble 1 miliyoni.

Ngakhale mugule nyumba kudzera mu bungwe, yambani ndi kuphunzira msika. Munthu amene ali ndi chidziwitso chotere siophweka kuzungulira pachala chala - Iye ali ndi lingaliro lamitengo pamsika wa nyumba, motero ali okonzeka kuyankhula ndi yeniyeni m'chinenerocho.

Ngati mungaganize zodziyimira pawokha, popanda kutetezedwa ndi thandizo la bungwe lenileni, kafukufukuyu akungofunika, umu ndi momwe mungapezere zosankha zomwe zikukhazikitsidwa. Pa gawo lotsatira, likhale lofunikira kuyitcha enizo zomwe zimakusangalatsani, zimafunikira nthawi ndi nyonga.

Mukangosankha zosankha zingapo zoyenera nyumba (kapena muwapeza), muyenera kuzidziwa nokha. Osamvetsetsa nthawi kuti ayang'anire ndikuwona kuti nthawi zambiri muyenera kuwerengera ndi ndandanda ya tsiku la wogulitsa.

Pambuyo pofufuza nyumbayo, musaiwale kufunsa kuti ndi ndani komanso amene adalembetsa kunyumba. Apa ndikuyembekezera mwala wotsatira wam'madzi pansi pamadzi, pankhani yogula nyumba si mwiniwake, koma pa trasti yake. Kugula ndi Proxy ndizowopsa kwambiri. Vuto ndikuti wogulitsa sangakhale wopanda tanthauzo - mwatsoka, ndizosatheka kuyang'ana kutsimikizika kwa mphamvu ya chitani. Zomwezo zimachitika kuti nyumbayo yokhayo imabwereka kwa nthawi yayitali ndipo mosaloledwa. Kuti mudziwe kuti ndani ali mwini woona wa nyumba, kulumikizana ndi nthambi yaboma yaboma kuboma la Russian Federation.

Kucheza ndi eni nyumbayo, dziwani kuti nyumbayo idayamba ndi nyumbayo ndipo ngati nyumbayo siyiyenera kuwononga kapena kukonzanso. Mutha kuyang'ana izi mu kasitomala wogwirizana. Koma chinthu chofunikira kwambiri ndikufunsa ngati eni ake a kulembera. Mawuwa amasintha zosintha zilizonse zomwe zikuyenera kuwonetsedwa mu mapulani a BTI. Kutsamba kosagwirizana ndi mwala wina wamadzi. Kuwongolera kuwongolera kumakhala kochepa ndipo kumafuna ndalama zambiri, ndipo kulembetsa kwakale kwa zodzikongoletsera kale kumatenga mphamvu zambiri, zida ndi nthawi. Chifukwa chake, mverani upangiri wathu: kudziteteza, onetsetsani kuti mwafunsa eni nyumba yomwe idaperekedwa ku Bureau Wortivary. Chikalatacho chiyenera kupezeka kale kuposa miyezi itatu musanayang'ane (ndipo mwina mugule) nyumba. Pangani dongosolo lokhala ndi malo okhala, samalani ndi malo a makoma, kukhalapo kwa zida zowonjezera. Ngati ndizovuta kwa inu nokha, pemphani thandizo kwa abwenzi.

Kumbukirani kuti: Kuwombera kosagwirizana kosagwirizana ndi inu osati kokha. Malinga ndi maulalo apamwamba (Organisa omwe ali ndi mgwirizano wa chiwombolo), mutha kukakamizidwa kubweretsa nyumba yoyambirira (ngati chiwombolo chidapangidwa ndi kuphwanya lamuloli, mwachitsanzo, khitchini idasamutsidwa ku chimodzi mwa zipinda zochezera kapena zinagwetsa khoma lonyamula).

Kwezani?

Gawo lotsatira lomwe muyenera kuchita ndikugwirizana pamtengo wa nyumba yomwe adakopeka. Konzekerani kuti wogulitsa adzaimbira mtengo wosiyanitsidwa ndi kuchuluka komwe kutchulidwa mu malonda. Kuyenda - Izi si umbombo, koma wamba.

Ndikotheka kupempha kuchepetsa mtengo zingapo: malo osavuta a nyumba (osati malo abwino, kutalikirana, masukulu, zipatala zopitilira muyeso? Kukonzanso, chimbulitso chosagwirizana. Koma ndikofunikira kudziwa kuti mtengo wotsika kwambiri ndi vuto linalake. Choyamba, zimachitika kuti nyumba yotsika mtengo imatanthauza gulu lotsutsana - izi zikutanthauza kuti pali mkanganowo (mwachitsanzo, omwe adakumana ndi zomwe zidawononga). Kachiwiri, Wogulitsayo wodetsa m'manja mwake amatha kupita kukhothi kuti akapeze mwayi wokutsutsani nyumba, ngati ungatsimikizire kuti ndasiyanitsa moyo wawo (kuvutika maganizo), Pa nthawiyo monga momwe mudafotokozera mu mgwirizano, mtengo wake ndiwochepera kuposa zomwe zimalipira. Kumbukirani: kusakhala ndi ndalama, ndipo popanda nyumba, ikani mgwirizano womwe mumapereka ndalama zomwe mumapereka, ziribe kanthu momwe mungakulimbikitsireni zochepa. Chachitatu, chingapeze kuti mumagula nyumba "pansi pa anthu ophatikizika. Mwachitsanzo, yemwe wogulitsa wanu wogulitsa pazifukwa zina chifukwa "adayiwala kulemba pa nyumbayo ya wachibale yemwe amalanga m'ndende, kapena kuti nyumba zomwe zakhala zikugwirizana ndi ana akale (okwatirana) omwe amafunsidwa kuti akhale gawo la malowa. Chachinayi, ngati nyumba yogulidwa idagulidwa kamodzi kuchokera yoimira "yoopsa": munthu wokalamba wosungulumwa, aliyense wolumala, aliyense ali ndi anthu omwe amalembetsedwa m'maganizo a psychorourourourogical kapena Nambala. Inde, popanga izi, mudzadziwika kuti ndi wopeza chikumbumtima, motero lamulo liyenera kukhala kumbali yanu. Koma mukuyembekezera khothi ndi ndalama zambiri komanso ndalama zowonongeka, nthawi yotayika, zokumana nazo zosasangalatsa ... komabe, musankhe ndalama zanu zamtsogolo.

Pakanthawi yogulitsa, ndikofunikira kukambirana kukula kwa gawo (kuchuluka komwe mumapereka kwa wogulitsa kuti atsimikizire zomwe mukufuna kutsimikizira kuti zolinga zanu 30,000 zikwi) komanso kupititsa patsogolo. Kupitiriza ndi kulipira koyambirira; Mbali yake imati pamavuto onse, koma, monga lamulo, ndi osachepera 10 magawo. Izi ndizovuta ngati wogulitsa amatenga nthawi kuti atenge zinthu kuchokera ku nyumba kapena kuthetsa zikhalidwe zomwe zimalumikizidwa ndi nyumba. Pofuna kuti musataye wogula, wogulitsa angakupatseni mgwirizano wogulitsira (makamaka, uku ndi mgwirizano pazinthu) ndikupanga patsogolo. Ngati pazifukwa zina zomwe zimachitika sizichitika, ndalama zomwe zingadutse ziyenera kubwezeredwa kwa inu kwathunthu. Ponena za kusungitsa, zonse zimatengera zifukwa ziti zomwe mgwirizanowo udatha. Ngati mungakane kugula nyumba, ndiye kuti ndalama zidzakhalabe ndi wogulitsa.

Nthawi zambiri ziwonetsero mu mtengo wogula wa nyumbayo zimaphatikizapo ma coumish awo, ndipo mtengo wogwira ntchitoyo, osadziwitsa wogula. Chifukwa chake, mu mgwirizano, gwiritsani ntchito kuchuluka kwa kubweza (kwabwino - kuchuluka kwake), komanso kutchulanso wogula kapena wogulitsa - amanyamula ndalama zopangira malondawo.

Kupanga ndi kusungitsa, ndipo patsogolo kuyenera kutumizidwa. Mukamasamutsira onse awiriwa, ndipo onetsetsani kuti mwalandira ndalama kuti mulandire ndalama zomwe wogulitsa nyumbayo ayenera kusaina. Zalembedwa mwa mawonekedwe olakwika, koma m'lembali liyenera kufotokozedwa:

Ndani amapereka ndalama (pasipoti ya wogula);

Amene amalandira ndalama (pasipoti ya wogulitsa);

Ndalama zofala - nthawi zambiri amalemba mu risiti: "... ngati malipiro ake pakhomo";

Adilesi enieni a nyumba zanu zamtsogolo, zomwe mumapereka ndalama kapena kupitiriza, mpaka kuwonetsa pansi;

Mikhalidwe yayikulu ya nyumbayo (zipinda zipinda, makonzedwe, metrah);

kuchuluka kwa wogula ndi cholinga chake ndi kupita patsogolo kapena kusungitsa;

Tsiku lolipira.

Khulupirirani koma onetsetsani!

Mavuto akulu akuyembekezerani pa gawo lotsimikizira kuyera kwalamulo kwa malonda amtsogolo. Choyamba, muyenera kuyang'ana mbiri yanyumba. Ngati mungasankhe kusagwiritsa ntchito ntchito za enieni, ndiye kuti ntchito yanu imakhala yovuta. Kuchokera kwa Wogulitsa mudzalandira zikalata zotsatirazi zomwe zingakuthandizeni kudziwa zomwe zikuchitika:

pasipoti kapena chikalata china;

Kukulitsa zikalata za nyumba (yoperekedwa ndi satifiketi yolembetsa ya umwini, mgwirizano wosinthanitsa ndi mwini wake wakale, sutifiketi ya eni ake), zomwe zapereka kulembetsa kwa boma. M'kalata yomaliza nthawi zonse pamakhala dzina la mwini nyumba;

Thandizo pa mtengo wofanizira wa nyumba (pasipoti yaukadaulo) ndi pasipoti yaukadaulo ya nyumba (zolemba izi zomwe zidaperekedwa ku Stonersiction Bureau itsimikizira kuti mumagula nyumbayo);

satifiketi kuchokera ku Erc ndi woyang'anira msonkho pa kusowa kwa ngongole pa zolipira ndalama zothandizira komanso misonkho yapamwamba (kapena buku la akaunti yanu kapena satifiketi kuchokera ku kasamalidwe ka nyumba);

Chilolezo cha chitetezo cha oteteza ndi bungwe la ogulitsa wogulitsa (ngati zingakhudze zofuna zomwe zalembedwera mu nyumba za ana)

Tingafinye kuchokera ku buku lanyumba lomwe limatchulidwa (lolembetsedwa) m'nyumba ya anthu;

Kuvomerezedwa kwa mkazi kapena mnzanu, abale aogulitsa nyumba za Commissing ndikugulitsa (ngati okwatirana kapena abale ndi anzawo).

Zachidziwikire, ngakhale mndandanda wautali wa zikalata sikokwanira kumaliza cheke. Mutha kufotokozeranso chilolezo cha wogulitsa ndikumwala kwa oyimira milandu ndi makope a zikalata zoyenera zoti nyumbayo, ichotsereni buku lanyumba. Adzakuthandizani kuonetsetsa kuti mukudziwa kuti anthu onse analemba munyumbayo. Izi zikutanthauza kuti kumapeto kwa malonda simudzakhala kudikirira kuda nkhawa kwa omwe akukonzekera malo okhala pakati pa abale ake omwe adayambayo. Pofuna kuti mupeze zowonjezera, phatikizani kugula ndi kugulitsa mfundo muudindo wa wogulitsa kuti mutulutse malo okhala pambuyo pomaliza mgwirizano. Fotokozerani momveka bwino kuti wogulitsa wogulitsayo kuti asunthe, mumalandira bwino kukweza malo anu ndipo salola kuti woyambayo akhale mwini nyumbayo, tsopano ndi wa inu.

Koma mipukutu yobisika idakalibe yambiri. Mwachitsanzo, mwiniwakeyo amakhala akulengeza kuti boma likulembetsa kuti agulitse mgwirizano wakale, ndipo afunsa kuti atsimikizire nyumba yake. Popeza mapanganowa kulibe malinga ndi lamulo la kubwezeretsedwa, kumaperekedwa kuti tichotsenso ufulu wa boma limodzi ndi katundu wosinthika ndi icho. Popita nthawi, mwini wodetsa nyumbayo akhoza kulandira zikalata zingapo zotere (mongopeka zomwezo), pamalizani mapangano ochepa ogulitsa kachiwiri, ndikuwapatsa ndalama ndikuthawa. Chifukwa chake, ndibwino kuti wogulitsa, monga umboni wa ufulu wake wanyumba, kukuwonetsani mgwirizano wanu wogulitsa nyumba ndi mwini wake wakale. Komabe, mudzakhala ndi chifukwa chokhalira atcheru ngati, m'malo mwake, adzawonetsa matchulidwe a regista yotchulidwa.

Muyenera kuyang'ana wogulitsa nyumbayo: muyenera kuonetsetsa kuti ithetsedwa (ndiye kuti, sizikulembetsedwa mu dokotala wa mankhwala, kapena mu spickiorolol yovomerezeka), apo ayi malonda amatha kuzindikiridwa mosaloledwa. Penyani zikalata zake, ngati zingatheke, ikani zithunzi zake mu pasipoti ndi pa akaunti ya Pasipoti, pemphani onse omwe apeza kuti ali ndi eni nyumbayo, . Kukayikira kugulitsa kapena kulowa mu inshuwaransi ya inshuwaransi. Imatsimikizira kubwezeredwanso kwa ndalama ngati akusowa ufulu wa katundu, ngati Khotilo lizindikira chimodzi mwa zolondazo ndi zosavomerezeka. Mitengo imapanga 0,3-2.5% ya interver.

Ngati mungagule nyumba kudzera mu malo ogulitsa nyumba, oyang'anira azikhala ndi mavuto. Adzapeza chilichonse chomwe chingalepheretse mapeto a malonda kapena amasintha moyo wanu mutalembetsa mgwirizano wogulitsa. Komabe, pali funso lofunika kwambiri - kodi enieni adzayang'anira chiyero chalamulo kuti malonda awolowere? Simungayankhe yankho losavomerezeka. Mgwirizano uliwonse wopita ku Khothi, popeza ndi wotsimikizika kwathunthu kuti mgwirizanowo udzathetsedwa ndipo chilichonse chidzadutsa bwino, palibe aliyense ku nyumba yapadera, ngakhale atakumana ndi nyumba. Chifukwa chake, tandikirani: Bungweli limapereka zolakwa za antchito ake mwachindunji popanga mgwirizano, komanso kuphwanya udindo wake. Reneryer sangathe kuyankha wogulitsa, koma osayika mbiri yake kuyika bizinesi yake, bungwe, likufuna kudziwa kasitomala aliyense ndi nyumba yomwe idawapatsa.

Chitanichi ndi chofunikira kwambiri ndiye ndalama?

Pofuna kumaliza kugulitsidwa, wogula amafunikira pasipoti. Ngati mungagule nyumba siyingokhala yokha, koma mogwirizana ndi katundu wogwirizana, mufunika chilolezo cholembedwa ndi eni tsogolo onse kuti apange malonda.

Chipangano chokonzekera ndi chofunikira kukonzekera pasadakhale nthawi zambiri mudzakhala ndi nthawi yofotokozera zomwe zikuperekedwa ndikugwirizana pankhani zotsutsana. Kukonzekera kwa mgwirizano umafunikira luso linalake, motero ndibwino kuti muwalimbikitse akatswiri. Mgwirizanowu umaperekedwa m'makope atatu pakulemba kosavuta, ndipo mapepala ake onse amasakazidwa. Tsimikizani zosankha za maphwando. Ndikofunika kumaliza pangano pamaso pa otalika: ngakhale pagawo la Russian Federation, kuwerengetsa mgwirizano wa Kugulitsa sikuli koyenera, madongosolo osavuta awa adzapereka maziko owonjezera ogulitsa anu.

Kugula kwanyumba kuyenera kuwonetsa:

tsiku ndi malo omaliza;
mgwirizano wogulitsidwa;
Adilesi yolondola ndi mawonekedwe a nyumbayo (zipinda za zipinda, membala); mtengo wa nyumba;
Kukula kwa gawo ndikupita patsogolo (ngati zinali);
Nthawi yomwe wogulitsa amasula malo okhala;
Amene amalipira ndalama zomwe zimagwirizanitsidwa ndi kapangidwe ka mgwirizano kuti agulitse kubanki yotetezeka;
Tsatanetsatane wa pasipoti ndi zikwangwani za maphwando. (Mgwirizanowu uyenera kusaina eni nyumba yonse ya nyumbayo. Zizindikiro za ana kuyambira zaka 14 ndi wamkulu yemwe sanakhalepo zaka zambiri, amavomerezedwa ndi zizindikiro za makolo awo.)

Kodi Gial kapena "Pulogalamu Yanu"?

Tsopano timatembenukira ku gawo lofunikira kwambiri la kusintha kwa ndalama. Izi nthawi zambiri zimachitika pambuyo pa mgwirizano walembedwa ndipo wogula adalandira makiyi ku nyumbayo. Mwa njira zomwe zimasamutsa ndalama, mista ya kanjedza ndiyo kuwerengera kudzera pa foni ya banki. Nthawi zambiri, mabungwe enieni amakakamiza kuti makasitomala awo azigwiritsa ntchito njira za chisupe ndikusamutsa ndalama motere. Wogulayo amaliza mgwirizano wobwereka ku selo lotetezeka kubanki ndipo limagona ndalama. Pansi pa mgwirizano, fungulo la khungu la banki limakhala ngati "kudumpha" ku ndalama, kotero pambuyo pamapeto a mgwirizano, ogulitsa ndi wogula, nthawi zambiri amatumizidwa ku Bank komwe kuwerengera kwina konse kumachitika. Madambo, akutsimikizira chinsinsi komanso chitetezo, wogulitsa akhoza kuonetsetsa kuti ndalama zilidi khungu lake. Kuti muchite izi, ndikokwanira kutsegula kiyi yomwe wogula amamuuza kuti abwere kwa iye, banki yotetezeka. Ngati malondawo akuwonongeka, fungulo kwa wogulitsa siliperekedwa, chifukwa chake wogula amatha kunyamula magazi ake nthawi zonse kuchokera kubanki.

Njira yachiwiri yosinthira ndalama - kusinthitsa ndalama zomwe sizikulipitsa ndalama ndizofunikira kwambiri. Pofuna kuti wogulitsa alandire zomwe zili chifukwa cha iye, ndikokwanira kudzaza oda yovomerezeka yolipira kubanki. Ndikofunika kwambiri kuchita izi mutasainira mgwirizano ndi wogulitsa: ndipo mudzakhala otsimikiza kuti zomwe zidachitikazo zidachitika, ndipo wogulitsa adzaonetsetsa kuti ndalamazo zitumizidwa ku banki.

Pali njira ina "yosakhala ndalama" - kuwerengera banki pogwiritsa ntchito kalata ya ngongole kapena kusonkhanitsa. Chifukwa cha ichi mumasunga ndalamazo zofanana ndi mtengo wa nyumbayo. Lambulani m'manja kapena kumasulira ku akaunti yanu yaku banki yomwe wogulitsa angathe pokhapokha ngati akugulitsa banki yovomerezeka ndi mgwirizano wosatalikirana.

Kuti adzitchinjirize ngati wogulitsa sakhala opanda chilungamo, ndipo wogula adayamba chifukwa cha kuwonongeka kwa zinthu, bungwe lenileni la mayiko limaletsa udindo wake. Fotokozerani kuti weniweni ali ndi inshuwaransi, iyenera kukhala yophatikizika mu kugula kwanu ndi kugulitsidwa.

Pogulitsa nyumba, ambiri amafuna kuchepetsa kuchuluka kwa msonkho womwe amayenera kulipira, ndipo sakufuna kulimbikitsa kuchuluka kwa chilamulo chotere (malingana ndi lamulo, bankiyo imakakamizidwa kudziwitsa anthu msonkho kuti ma rubu oposa 90,000 amalandila chifukwa cha kasitomala). Chifukwa chake, mutha kuperekedwa kuti musinthe ndalama ndalama. Mitsinje ya njirayi yosinthira ndalama ndi yoposa izi: ndikofunikira kubweretsa ndalama zambiri ndikusamalira kuti awadziwitse m'malo otetezeka. Kuphatikiza apo, wogulitsa angafune kuti angodzitcha ndalama, komanso kuwunikira zowona za bilu, ndipo za izi mudzafunikira zida zapadera. Popeza zovuta zonse, sitipangira ndalama motere. Ngati palibe njira ina, yovomerezana ndi wogulitsa za kusamutsa ndalama kudera landale ndi Mboni. Pankhaniyi, ndikupangira ndalama, musaiwale kutchulapo kukhalapo kwa mboni ndikutchula deta yawo ya pasipoti.

Timalowa mu ufulu

Mapeto a mgwirizano ndi kusamutsa ndalama, muyenera kukhala m'manja mwanu osati makiyi ochokera kunyumba yatsopanoyo, komanso ndi mabuku okhazikika a ndalama zothandizira. Ndikofunikira kuti mupange mwayi wolandira nyumba, pomwe akuwonetsa, momwe mudaliri nyumba (makamaka, musaiwale kutchulapo kukhalapo kapena kusapezeka kwa zinthu za eni ake akale). Amamulembera m'manja mwaulere, koma osayina mbali zonse (wogula ndi wogulitsa).

Mgwirizano wogulitsa ndikugula kwa nyumba ndi zolembedwa mu chipinda cholembetsa kapena nthambi zake. Pozindikira, kutsimikizira ndi satifiketi ya mkhalidwe wa nyumba yatsopanoyo kuyenera kulipira pafupifupi ma ruble 500. Zolemba zotsimikizira kuti mudagula nyumba imodzi ya State State Register ya Ufulu wa Ufulu Wosasinthika ndi Kusintha Kwa Miyezi 1 (Kuthamangitsidwa kwa miyezi 1 (Kungolembetsa kumakuwonongerani masiku asanu). Nthawi yomweyo mudzakhala mwini wodzaza ndi nyumbayo.