Ngongole - Zosunga kapena dzenje?

Ngongole ndi mapulogalamu. Ndi mtundu uti wabwino, zomwe zikufunika kuti mupeze ngongole, momwe mungapangire mgwirizano molondola.

Pezani nyumba yanu kapena kuwonjezereka malo omwe alipo kale, sinthani bwino, kusamukira kudera lina kapena mzinda m'dziko lathu tsopano lino ndilo chifukwa chogulitsa ndikugula. Zachidziwikire, pomanga osowa sikuti, zinthu zapakhomo ndi zigawo zimagwiritsidwa ntchito, mitengo ya nyumba sikuti zimakhala zokwera, koma pitilizani kukula. M'nthawi yoyambirira, malo okhala nawo ndi ofunikira kwambiri komanso kutchuka. Koma gulani nyumba mu nyumba yatsopano, ngakhale kugulitsa, si aliyense wotsika mtengo. Kuti muthane ndi vutoli, mutha kutenga ndalama pa ngongole pakati pa abwenzi (ngati alipo), yesani kupeza ngongole kuntchito (ngati ayesa) kapena apeze ngongole ya Russian, koma mwachilengedwe mu Kumadzulo.

Zindikirani. Mu 594 BC. Malo akale achi Greek anachititsa kusintha kwake: kuchotsedwa ngongole zonyansa ndikuyambitsa ufulu wa chifunirocho, chifukwa cha chomwe katundu wachinyengo sunalinso wofunikanso kumva jensulu. Ndiye kuti, aliyense adalandira ufulu kutaya "katundu" mwakufuna kwawo: kupanga ndi kupereka ngongole. Atene asanafike, omwe ali ndi ngongole amene sakanatha kulipira ngongoleyo, kugwa. Pofuna kumasulira udindo wa patokha patokha, Solon adadzipereka kuti abweretse yekhayo pamtunda (nthawi zambiri pamalire) mzati ndi zolemba zomwe malowa amakhala ngati kuchuluka. Chipilala choterocho chimatchedwa ngongole. Greek hypothetthecation- imayimitsa.

Njira za ng'ombe zamphongo

Mitundu yayikulu yobwereketsa ngongole yanyumba ndi ziwiri zokha, ngakhale mitengo ndi njira yatsoka imatha kukhala yabwino. Mtundu wosavuta ndi makona atatu: Wogula ndi wochita malonda - wonyoza. Wobwereketsa, iye ndi wogula, amatenga ngongole kubanki yotetezedwa ndi nyumba yomwe mwalandira. Bank imatsegulira akaunti ya midzi yokhala ndi ogulitsa nyumba ndikuwonetsetsa zotsimikizika zowerengera mukamagula nyumba. Wogula kudzera kubanki amawerengedwa ndi wogulitsa nyumba yogulidwa ndipo amalandira ufulu wa umwini, pambuyo pake pali ngongole ndikusangalatsidwa naye pa mgwirizano. Aesley samachita bwino pa wobwereketsa, ndiye pobweza ngongoleyo, amalandidwa nyumbayo. Kuphweka kwa gulu la zitsanzo zoterezi kunafalikira potukuka, ndipo m'maiko otukuka kwambiri, mwachitsanzo, ku UK, France, Spain. Kutchuka kwakukulu kwa njira yobwereketsa zotere (VVIDE wa ndalama zonyamula ndalama) yapambana ku Germany.

Ndiwovuta kwambiri ndi mtundu wa ngongole ziwiri zobwereketsa. Kuwala kwakukulu kwa ngongole kumabwera chifukwa cha msika wa sekondale uwu womwe umaperekedwa ndi ngongole yanyumba. Mtundu wotere umakhala wokha ndi msika wokhazikika wopangidwa ndi nyumba. Sikofunikira kutero popanda thandizo la boma ndipo, osachepera, kuwongolera pang'ono pakupereka zotetezeka zomwe zimakopa chitetezo cha sekondale. Mtundu wanyumba imeneyi tsopano ukugawidwa kwakukulu ku United States, motero amatchedwa America. Chinthu chake chachikulu ndi chakuti mitengo yanyumba siyogwirizana ndi mitengo ina yopanda ngongole ina ya kubanki, kapena ndi mtengo wamanda.

Chosangalatsa ndichakuti, kuyambira kumapeto kwa xixvek ndi chisanachitike chisanachitike, dongosolo lofananalo lofananalo lidalinganizidwa ndikuchita bwino ku Russia ku Russia. Pambuyo pa kusintha kwanyumba, mwachilengedwe ndidayiwala, kulankhula za izi adayambiranso mu 1991. Phukusi loyamba la malamulo apanyumba adakhazikitsidwa mu 1996, koma posachedwapa, kumapeto kwa Ogasiti 2001, Prime Minil Mikhanov adasaina malamulo omwe amapereka ndalama zolipirira ngongole. Ndege ikutanthauza kuti idzawonekera pamsika wotetezedwa, ndipo mapangidwe enieni a ngongole adzayamba ku Russia m'malo mwake. Mitengo ya agatum panyumba yanyumba idzatsikira, ndipo chiwerengero chochuluka cha Russia chidzatha kugwiritsa ntchito mwayi wamtunduwu.

Pulogalamu yanyumba ya Banking

Limodzi mwa kufalitsa nyumba yobwereketsa nyumba ndi "Deltacredit", yopangidwa ndi thumba la USA recedrict. Malinga ndi pulogalamuyi, thumba limapereka ndalama kwa nthawi yayitali ku banki za ku Russia kuti ziperekedwe kwa nyumba zanyumba kwa anthu pafupifupi 10. Nayi njira zomwe ndalama zobwerekera ngongole ziyenera kukhala zogwirizana kuti zitha kuperekedwa kudzera mu pulogalamu ya Thupi:

• Nthawi yobwereka ngongole yanyumba ndi zaka 10;
• Ngongole (ku US) ndi 70% ya mtengo wa nyumba, ndipo ngati zopereka zoyambirira pamwambapa ndi $ 15,000, zitha kukhala 80%; Mlingo wa chiwongola dzanja umalembedwa kuti chitsimikizo chonse cha mgwirizano;
• chiwongola dzanja pa ngongole - msika (matchulidwe a kumapeto kwa mgwirizano); Tsopano ndikofanana ndi 13-15%;
• Pa ngongole iliyonse, moyo wa wobwereketsa, nyumba zopezeka pachiwopsezo cha kutayika, umwini wa nyumba;
• Mozimiya womaliza kulipira (tazindikira kuti moona kuti posachedwa ayambitsidwa posachedwa pamapulogalamu ena).

Pulogalamuyi ilibe lingaliro lokakamizidwa kulembetsa ku Moscow kapena nzika ya Russian Federation, chitsimikizo cha anthu ena sikofunikira, kupatula nyumba zowonongeka ndi nyumba zowonongeka) kapena malo ogulitsira. kampani. Intaneti "Deltacredit", pogula nyumba mu msika wachiwiri, ndikofunikira kuyesa kampani yapadera. Mukamapanga ngongole yanyumba, kupatula malipiro ovomerezeka (otayika kuchokera ku malo osungirako), pamutu wina wovomerezeka, ndalama za inshuwaransi, kuchokera kubwereketsa nyumba ndi zina zotsimikizika zamitundu yopeza.

Pulogalamu ya inshuwaransi ya inshuwaransi

PSK palimodzi ndi Cemi RAS komanso thandizo la boma lidapanga pulogalamu yobwereketsa National Homen "Tsogolo Latsopano". Pulogalamuyi imakhala ndi mgwirizano wa inshuwaransi ya nthawi yayitali kwa zaka 10. Kuchuluka kwa ndalama zolipiridwa ndi gawo limodzi mwa magawo atatu a mtengo wamtsogolo, kasitomala amalandila ngongole kuchokera ku kampani ya inshuwaransi yofunika kugula nyumba. Chaka chino kuchokera nthawi yokhudza ngongoleyo, kampani ya inshuwaransi imagulitsanso nyumba, yomwe imalandira kale nyumba yatsopanoyi imayikirana pa kampani ya inshuwaransi mpaka kumapeto kwa malo a inshuwaransi mpaka inshuwaransi. Kukhazikika (Kugawa ndi Kulembetsa) munyumba yatsopano, wobwereketsa akupitiliza kulipira inshuwaransi pansi pa mgwirizano. Nthawi yomweyo, mtengo wogwirizira ngongole udaperekedwa kwa iye, malinga ndi zomwe pulogalamuyo imapitilira 8% pachaka pa ndalama. Chifukwa chake, katunduyo amatetezedwa. Ngati wobwereketsa sangathe kulipira, amachotsedwa, ndipo nyumbayo imagulitsidwa. Makasitomala amabweza zopereka zoyambirira komanso zolipira pambuyo pake mitengo ya kampaniyo, kufunikira kwa kuchepa, etc. (amazindikira).

Ubwino wa pulogalamuyi mu chiwongola dzanja chochepa pa ngongole (mu vbanon couton play amapotozedwa pamwambapa). Pali wobwereketsa komanso malo ena achikhalidwe. Ngakhale atatero, pazifukwa zilizonse, kuyimitsani zolipira, ndipo nyumba yake imakhala danda ya inshuwaransi, malinga ndi malamulo omwe alipo, amaperekedwa ndi malo omwe ali ndi ndalama zopezekapo kale.

Pa kupezeka kwa matenda a inshuwaransi (imfa, kulumala, kulumala, kapena kuwononga nyumba zosungidwa), kampani ya inshuwaransi), kampani ya inshuwaransi imabweza ngongole ya wobwereketsa ndi zolipira zina. Kukula kwakukulu mu kukhazikitsa pulogalamuyi ku Moscow - kumaletsa wobwereketsa pakusankha nyumba, ndiye kuti, mtundu wina wa nyumbayo. Koma m'mizinda yaderali vutoli kulibe.

Mapulogalamu a Ngongole "Zotsatira" ndi "Nyumba"

Pulogalamu yobwereketsa ngongole yobwereketsa "zotsatira" idapangidwa ndi akatswiri a SarloV. Zaka ziwiri, adayesedwa m'mizinda inayi: Sarov (Nizny Novgorod dera), Ryazan, Perza ndi Zarechny (Perza.). Zitatha mizindayi, mizindayi imasiyana kwambiri ndi kuchuluka kwa okhalamo (oposa 600,000 okhala mu Peni ndi 60,000), ndipo panjira yazomwe zimapangidwira kuti zikhalepo kukhala wokongola komanso wotsika mtengo. Tsopano dongosolo "la" limayambitsidwa pa ma ruble ankhondo oposa 20 a Russian, kuphatikiza Moscow, Velogda, Nizhny Novgorod, Trumbe, dera la Irkutsk. Zotsatira za kugwiritsa ntchito bwino dongosololi ndi kupangidwa kwa pulogalamu ya feduro "kunyumba pa ngongole".

"Nyumba pa ngongole" ili ndi mitundu ingapo yosiyanitsa. Choyamba mwa izi ndikuti nyumbazo zimagulitsidwa pamtengo, chifukwa thumba, lomwe ndi logawika lomwe silikugwirizana, omwe ntchito zawo silingapangitse kuyendetsa pulogalamuyi. Gawo lokhazikika la kulipiritsa nyumba yogulidwa imaperekedwa pansi pa peresenti yotsika (5-10% pachaka), ndipo nthawi yake yobweza ndi zaka 71. Kukula kwakukulu kwa ngongole kumatsimikiziridwa ndi ndalama zogulira mwezi uliwonse. Chinthu china chimatsika, koma osachepera 10% ya mtengo wa nyumba yogulidwa, chindapusa choyenera. Pulogalamuyi imakhala ndi chikhalidwe chokhazikika pazachikhalidwe ndipo limapangidwa kuti nzika zomwe zili ndi kukula kwa dera lililonse pabanja lililonse. Komanso omwe akufunika kusintha mikhalidwe komanso yothandiza pankhaniyi.

Malipiro ndi magawo amapangidwira pamwezi, magawo ofanana ndipo mkati mwa madera okhazikitsidwa ndi malamulo omwe amagulitsa nyumba. Kukula kwa ndalama zovomerezeka pamwezi kuti mubwezeretse zoperewera sikuyenera kupitirira 20% ya ndalama zolipirira banja. Kusintha kwa chiwongola dzanja kumatanthauza luso lapadera la gulu la matrasti. Kukwaniritsidwa kwa maudindo omwe ali pansi pa mgwirizanowo kumatsimikiziridwa ndi kiyi kwa nzika ya nzika yokhala ndi katundu wosunthika komanso wosasunthika, chitsimikizo cha anthu ena, inshuwaransi ya moyo ndi katundu, komanso m'njira zina.

Pulogalamuyi imapereka mwayi wopeza nyumba 4-nduna: Kugula ndi malo ndikupereka nyumba yanu ndikulandila; Kugula ndi magawo osayika nyumba yanu; Kugula popanda zolembera ndi chobwereketsa nyumba yanu kuti mugule nyumba ndikugula nyumba popanda malo ndipo osapereka nyumba yanu yanu. Njira zomwe zimalongosola mndandanda wa olembera, izi: Ufulu woyenera kugula nyumba umasangalatsidwa ndi wopempha yemwe amafunikira ndalama zocheperako; Pazinthu zofanana, munthu amene amagulitsa nyumba yake ndiye mwayi potsimikizira, mwayi umagwiritsidwa ntchito. Pansi pazinthu zofanana, pa njira yoyamba ndi yachiwiri, zomwe amakonda zimaperekedwa kuti mukhale ndi tsiku loyambirira la kulembetsa mu mndandanda wa kusintha kwa mindandanda.

Kupanga Moscow ndi ndalama

OjSS "Kusunga ndalama ndalama" (SSC) idakhazikitsidwa mu 1998. Lamulo la boma la Moscow N896. Woyambitsa wake ndi dipatimenti ya State Maunicleal Cuniculal of Moslow. SSC imagwira ntchito muyeso wa kuyesera komwe kwachitika ku Western United District a Standard Office kukhazikitsidwa kwa maziko omwe akufuna kukhala ndi mtundu wolinganiza. Ndiwo chitsanzo cha SSC, malinga ndi akatswiri, mwina ndi njira yodalirika yobwereketsa yomanga ndi kupeza nyumba panthawi yomwe Moscow komanso ngongole ya ku Moscal.

Anthu omwe salembetsa ku Moscow ndi dera la ku Moscow, kulipira ndalama zoyambirira za kuchuluka kwa nyumba, kumathetsa nyumba inayake mwa mayiko a nyumba komanso pa miyezi 14 mpaka 16 ) Kupanga ofanana kumagawana 45% imodzi ya mtengo wake. Pambuyo pake, nyumbayo monga nyumba yobwereketsa imapangidwira katunduyo ndi kiyi yovomerezeka yobwezera kwathunthu kwa ngongole yazaka makumi atatu kwa zaka zitatu% pachaka. Kukhazikitsa kwa pulogalamuyi kumawerengeredwa kwa zaka zisanu ndipo zimakhala ndi magawo asanu. Gawo lomanga pa woyamba wa iwo linayamba koyambirira kwa 1989, pomwe wogwira ntchito yamwala yoyamba ku Lobachevsky Street, kutenga nawo mbali. Mu zaka 5 mpaka 73GA, 530,000. Nyumba za M2 ziyenera kugwetsedwa, 39thzors zimawonongedwa, ndipo okhalamo akhazikika m'nyumba zatsopano. Tsopano imathera kumanga nyumba zisanu ndi zitatu zamakono. Nyumba zisanu ndi ziwiri za minofu zimatha kugula molingana ndi scc chiwembu. Awa ndi nyumba zowoneka bwino zokhala ndi mawonekedwe osintha, denga lenileni ndi malo akuluakulu. Pomaliza, matewa achisanu ndi chisanu ndi chisanu ndi chisanu ndi chisanu ndi chisanu ndi chisanu ndi chitatu adzalimbikitsa anthu okhala m'magulu asanu apafupi kuti agwetsedwe.

Kutengera ndi zomwe zinachitika zaka ziwiri zantchito, SSC ku Western Script imapangitsa lingaliro la mtundu wa Creatteide, zomwe zimapereka mwayi wopatukana ndi ntchito za zigawo za SCC.

Kuti chiwembu choterechi chizigwira bwino ntchito, tifunikira database imodzi yazidziwitso, dongosolo loyendetsa galimoto lokhazikika, mfundo zotchinga zosinthika komanso ndalama zomanga zomanga zinthu zosiyanasiyana. Zonsezi zikutanthauza kuti cholengedwa cham'mitundu ya Cirdewne, chomwe chimakhala ndi maudindo amutu ndi madera omwe amapezeka pazigawo za kasitomala ndikuwonetsa nambala yowonjezera ya Co-Ogula. Zotsatira zake pochezera nthambi ya SSC kubwera kunyumba kwake, yemwe akanatha kusankha nyumba kulikonse ku Moscow, kuti apange upangiri wofunikira ndipo pamenepo uperekedwe zikalata zonse zofunika.

Ubwenzi Wolamula pa Chikhulupiriro

Malingaliro awa sakudziwa bwino ngakhale nzika za likulu. Ndiye tiyeni tiyambe ndi zida zamalamulo. Lingaliro, njira ya mapangidwe, zochitika ndi kudziutsa kwa chikhulupiriro (modekha) kumayendetsedwa ndi Civil Code (Zojambula 82-86). Mgwirizano umapangidwa ndipo umagwira ntchito pamaziko a chilengedwe. Kugwiritsa ntchito zochitika kumachitika ndi anzanu. Osungitsa (atsogoleri) sakhala oyenera kutenga nawo mbali poyendetsa nawo ntchito ndikuwongolera zochitika, komanso gwiritsaninso ntchito za nkhambaziza zochitika zonse zoyang'anira. Wothandizana ndi mgwirizano wachikhulupiriro amathandizira kugawana ndalama, zomwe zimatsimikiziridwa ndi satifiketi yotenga nawo gawo (satifiketi yaaka digiri). Ufulu wa osunga maofesi amatsimikizika ndi mgwirizano wa Concont (Pangano) ndi Lamulo la Ntchito.

Mgwirizano woyamba ku Moscow pa chikhulupiriro "DSC-1 ndi Kampani" idapangidwa mu Meyi 1997. Pazinthu za JSC DC n1 monga ochita nawo ntchito yoyendetsa ngongole yoyendetsa ngongole ya Moscow. Seputembara 13, 2001, komiti yachiwiri idawonekera, 155 ndi CO ..) pakufunika mabungwe oterowo, Choyamba, kunena kuti vuto lonse (lomwe limayambitsa (ngati pali oyambitsa angapo) polephera kukwaniritsa udindo wawo wonse, osati kuwerengetsa chuma chawo. "DSC-1 ndi Mwachitsanzo ", mwachitsanzo, iyi ndi 4 GBC, kulingalira ndi zopanga komanso maofesi aluso. Mtengo wa malowa ndi woposa kukula kwa likulu la curlone. Chifukwa chake mtundu wa piramidi yachuma pankhani ya mgwirizano wa mgwirizano sudutsa. Acrome wa icho, pothandizira mgwirizano womwe uli pachibwenzi, mutha kusunga ndalama pa akauntiyo kwa nthawi yayitali. Kupatula apo, kasitomalayo amadalira mgwirizano wake, ndikuwonetsa cholinga ichi tsiku lina (pachaka kapena zaka 5-10) kuti agule nyumba yatsopano.

Mgwirizano wogwirizana sunayike zoletsa zilizonse kwa omwe ali ndi omwe ali ndi ndalama zambiri, njira ndi ndalama zolipirira. Popanga ndalama zoyambirira, kasitomalayo amatha kuwonjezera ndalama zatsopano kwa iyo, ndikuwaukira pa akauntiyo mpaka ndalamazo zisonkhanitsidwa kugula nyumba. Kuphatikiza apo, kutenga nawo gawo pantchito yomanga nyumba, malo osungirako ndalama amalandila gawo la phindu logulitsa nyumba. Ngati kasitomala waganiza zogula nyumba, payi ndi phindu lake zinayankhidwa lidzalembedwe pa nkhani yake mkati mwa masiku a 20banki.

Kuyambira Januware 1, 2001. Gawo lachiwiri la msonkho, lomwe (Artict 2220 "kuwonongeka kwa msonkho") (Artiction 2220 "Kodi Misonkho ya Ngongole") Nzika zomwe zagula ndalama zolipirira nyumba osapitilira ma ruble 600,000. (pafupifupi $ 20 $). Kubwezera kwa Asami kunapangitsa kuti abweze ngongole zanyumba kumachokera msonkho. Kuchotsera msonkho pazopindulitsa izi zitha kuchitika mpaka kugwiritsidwa ntchito kwathunthu.

Nzika zomwe zidagwiritsidwa ntchito ndi mgwirizano kuti zidziwitse ndalama ndikulandila ndalama chifukwa cha ntchito zadongosolo komanso zachuma zomwe zimapangitsa kuti aponyenero anyumbayo ndi kulandira Sungani ndalama (nkhuni), kupeza zochulukitsa pazotsatira zanyengo (nkhuni), nthawi ya mgwirizano ndi njira yopezera ndalama ku kugula kwa nyumbayo. Chigwirizano pa njira yodziwikiratu za choperekacho chimanenanso zolinga za maphwando ndi kukula kwa ndalamazo komanso kuthekera kwa kuchotsera pogula mukagula nyumba. Chitsanzo cha chitsanzocho chidzapereka zikhalidwe zazikulu zogulira nyumbayo pa ngongole (kutsata kulipira ndi chikole cha malo ogulitsa) m'ntchito za Armanternate). DSC-1 ndi kampani ". Kukula kwa zopereka zoyambirira za 30% ya mtengo wonse wa nyumba; Kulipira kwa gawo - mpaka 10. Kuchuluka kwa zolipira kumadalira moyo wa ntchito ndi kuchuluka kwa zopereka zoyambirira; Chiwonetsero cha chiwongola dzanja sichopitilira 10% pachaka; Nyumba zimaperekedwa kwa nzika zokha za ku Moscow ndi dera la Moscow kuchokera ku ndalama zomwe zimagwirizana; Ma sulvency a wogula amatsimikiziridwa ndi malembedwe oyenera. Mukayang'ana kugula nyumba pa ngongole ndi zolipira zofananira ndi mgwirizano wogulitsa nyumba ndi malo osungirako malo ogulitsira ndipo amapezeka ndi mgwirizanowo mpaka wogulayo imakwaniritsidwa kwathunthu ndi mgwirizano.

Chabwino, ngati muli ndi ndalama zapamwamba "zosavomerezeka, mungasankhe njira zingapo zogogoda." Monga lamulo, zimasiyana mu nyuzizo, koma lingaliro lalikulu ndi: kasitomala amasankha nyumba, amalipira 50% ya mtengo wake ndikugundika. Kenako, amalipira ganyu, ndiye kuti, gawo lomwe silinaperekedwe la nyumbayo limagawidwa m'miyezi 24 yofananira. Chiwongola dzanja 10-13% pachaka chokhacho. Nditabweza ngongoleyo, nyumbayo imakopeka ndi kasitomala.

Kodi ngongole yanji?

Izi zitha kuwoneka zokayikira, koma kwa wogula, chiwembu cha America chikukondedwa. Osachepera pazifukwa zitatu. Choyamba, ndizotheka kupeza ngongole ya ndalama kuti mupeze nyumba iliyonse, pomwe, mwachitsanzo, malinga ndi njira ya SSC, kusankha kumakhala kochepa ndi zopereka zomangamanga ndi zopereka. Ndalama zenizeni zimapangitsa kutengapo gawo panyumba kuti apeze nyumba mumsika, osati pa SSC yokhazikitsidwa ndipo nthawi zambiri imakhala ndi mitengo yambiri. Koma, mwina, mwayi wofunikira kwambiri wa American nthawi yanyumba yobwereketsa. Wmoskow, monga tafotokozera kale, ngongole zimaperekedwa kwa zaka 10, ndipo malinga ndi scc scheme, wobwereketsa ayenera kulipira kwa zaka zitatu, zochulukirapo zaka 5. Osati gawo lomaliza limaseweredwa ndi chakuti mu chiwembu cha US, obwereketsa ali ndi ufulu wotaya ngongole yake: mchikondi ndi nthawi yogulitsa nyumba (molondola) kapena kupeza ngongole yatsopano mwa kuyika ngongole. (Umphana, zoona, ntchito ngati izi sizinafapo kanthu.) Palibe SSK yotheka: Ndinagula nyumba, ndizosatheka kuzigulitsa mpaka ngongole yonse italipira. Komabe, ngakhale pali zoperewera, ngongole zongobwereketsa ngongole zanyumba zambiri zimakhala zomveka, ndizotsika mtengo komanso zotsika mtengo.

Malingaliro obisika

Kusankha kupeza ngongole yanyumba, ndibwino kuyamikiridwa moyenera patsogolo pake. Kuti tichite izi, tikukupangitsani kuti muyankhe mafunso khumi.

imodzi. Kodi muli ndi ndalama zokwanira kulipira zopereka zoyambirira (nthawi zambiri zimakhala 30% ya mtengo wa nyumba yogulidwa)?

2. Kodi muli ndi ndalama iliyonse yophimba ndalama zomwe zimagwirizanitsidwa ndi kugula kwa malonda ogulitsa nyumba? Ichi ndi 1.5% ya mtengo wa digito ya mgwirizano wa mgwirizano, chindapusa cha kulembetsa kwa GBD, ndalama zolipirira kubanki kumapeto kwa mgwirizano ndi kulipira kwa inshuwaransi pamapeto Za mapangano a inshuwaransi (obwereketsa ndalama zake ayenera kutsimikizira moyo wake komanso wolumala, katundu amene akupezeka, chiwopsezo cha kutayika kwa nyumba yomwe mwapeza). Imwani zolipira izi zitha kuchokera 1.5 mpaka 5% pachaka.

3. Kodi muli ndi ndalama zokwanira kupitiliza kukhala ndi moyo wofunikira mukatha kubweza ngongole pamwezi ndikulipira chinsinsi? Kupatula apo, zolipira izi zimatha kufikira 35% ya ndalama zolipirira banja.

zinayi. Kodi muli ndi zochitika zopitilira muyeso zaka 2 zapitazi? Aesley anali atathamangitsidwa ndikupuma pantchito, mumawafotokozera bwanji?

zisanu. Kodi mumawunika bwanji kukhazikika kwa udindo wanu komanso ndalama zomwe mukupeza zaka 5 mpaka 10 zikutsatira?

6. Kodi mungataye ntchito nthawi yomweyo pezani wina ndi malipiro osatsika kuposa akale, ndiye kuti, kubwezeretsa soloncy yanu?

7. Kodi mwagwiritsa ntchito ngongole kapena ngongole ndipo ngati adawabweza munthawi yake? Kodi mumagwiritsa ntchito makhadi a ngongole? Mwanjira ina, kodi muli ndi mbiri yabwino ya ngongole?

eyiti. Kodi mukulipira ntchito zamagetsi, telefoni, magetsi, etc.?

asanu ndi anayi. Kodi muli ndi katundu wosunthika kapena wosasunthika (nyumba ina, nyumba ya dziko, ndi zina), zomwe zingakhale chitsimikiziro chowonjezera cha ulemu wanu?

10. Kodi mungaperekenso chitsimikizo chowonjezera cha bungwe lalamulo, monga wolemba ntchito, kutsimikizira kubanki kapena china chonga ichi?

Lingalirani ngati nthawi ina mudzatha kukwaniritsa udindo wanu kuti mubwezeretse ngongole yomwe idakupatsani mwayi wobweza ngongoleyo ndikubweza nyumbayo Kuti nyumba yomwe idakuphatikiza mogwirizana ndi malamulo omwe alipo chifukwa, adzagulitsidwa, ndipo nonse ndi nonse okhala ndi inu achotsedwa kunyumba. Ngakhale kugulitsa nyumbayo ndalama zosinthidwa kuti abweze udindo pansi pa mgwirizano wobwereketsa sikungakhale kokwanira, wobwereketsa akhoza kujambula chilango ndi zina za katundu wanu. Chifukwa chake tengani ndalama kuti mukhale ndi ngongole, osakhala ndi chidaliro kuti mutha kuzibweza panthawi yake komanso mokwanira, mokwanira.

Ngati mwayankha mafunso awa abwinowa, ndiye kuti mudzatha kuwunika kukula kwa ngongole yomwe mungadalire. Pamasamba ambiri omwe amapereka ngongole, pali ndalama zowerengera ndalama zanyumba, munthu amatha kudziwa kuchuluka kwa ngongole yomwe mwapeza ndi ndalama zomwe zimapezeka pamwezi.

Zikalata ziti zofunika

Njira yopezera ngongole yanyumba ndi yovuta komanso yayitali. Choyamba, kunena za bungwe lililonse lomwe limapereka ntchito yotere, muyenera kukwaniritsa zolembera zanyumba ndikuyika mapepala ambiri pamaziko omwe angaganize kuti muphatikizidwe ndi inu mndandanda wa olemba ngongoleyi. Mndandanda wa zikalata ndizabwino ndipo sizofanana ndendende m'magulu osiyanasiyana. Itha kupezekanso pa intaneti.

Chinthu choyamba chidzafunikira makope (masamba onse), osati obwera okha, komanso wa anthu onse okhala pamodzi naye, komanso omwe sakhala ndi makolo, ana amalembedwa kunja kwina. Tidzafunikira: Kalata yolembedwa yogawa wobwereketsa alendo, buku lomwe limalembedwa kuti likulembetsa kukhalako kwa wobwereketsa, buku la mapangidwe a maphunziro ndi ena onse. Kuphatikiza apo, zikalata zotsimikizira za ukwati wanu, thanzi ndi chidziwitso chokhudza ntchito ndi ndalama zidzafunikira. Zikhala zofunikira kupereka zidziwitso ndi zinthu zina ngati pali. Zolemba zina zitha kupemphedwa. Kuganizira mawu a pulogalamuyi nthawi zambiri kumayambira sabata limodzi mpaka mwezi umodzi. Ngati chisankho chabwino chapangidwa, mudzaperekedwa kuti mutenge zikalata zowonjezera zoyambira ku mgwirizano wobwereketsa. Mndandanda wawo udzaperekedwa kwa kampani yomwe imapereka ngongole.

Pakati pa mwezi wa mwezi wa abafi chaka chino, malamulo a Federal adatengedwa ku Russia, zomwe zidasintha ndikusintha kwa Lamulo la "Optiptote". Tsopano tikulimbikitsidwa kuti "nyumba yokhala ndi nyumba kapena nyumba yomwe idapangidwa kapena kupangidwa pogwiritsa ntchito ngongole ya banki kapena bungwe lina la ngongole limawerengedwa kuti lilembedwe kuyambira tsiku la boma la Mkwatibwi." Kumveketsa kwalembedwa ku Article 54, kuteteza wobwereketsa kwa osagwirizana kapena osavomerezeka omwe amavomereza kuchedwetsa ndalama. Mabungwe a ngongole adatha kufunikira kukwaniritsidwa kwathunthu, osabweza ngongole imodzi. Kukopa kwa malo okhala nyumba, komwe mwamangidwa kapena kumangidwa pansi pa mgwirizano wobwezeretsa ngongole kubanki, ndiye maziko ochotsa ufulu wogwiritsa ntchito chiletso ndi abale ake okhala ndi malo okhala. Kuchira pamnyumbayo "ndizotheka zonse mu matomiririka komanso zowonjezera." Nyumba yogona kapena nyumba, yomwe imayikidwa pansi pa mgwirizano wanyumba ndipo yomwe imakopeka ndi kuchira, imakhazikitsidwa ndikugulitsa kuchokera ku malonda omwe ali mu mawonekedwe otseguka kapena mpikisano. " Buku latsopano la ndime 78 limateteza mabungwe a ngongole kuchokera kwa obwereketsa omwe amakhazikitsa mgwirizano wa mabanja awo popanda kulembetsa ku nyumba kapena nyumba yomwe mwapeza. Zolemba za nkhaniyi 78 sizinalole kuthetsa nkhani yotuluka.

Ndipo oyang'anira chitetezo ndi oteteza tsopano ali ndi ufulu woyamwa kwa Amors kapena anthu am'banja omwe ali ndi banja kuti asakumane nawo ngati kuti ufulu wawo utetezedwe ndi malamulo. Chilolezo choterocho chimayenera kuperekedwa kwa wopemphayo polemba nthawi ya usana makumi atatu, ndipo kukana m'dziko lavomerezo ayenera kulimbikitsidwa. Wofunsayo "ali ndi ufulu wotsutsa lingaliro la kulonda ndi bungwe loteteza kukhothi."

Momwe Mungapangire Pangozi Zanyumba

Dziwani kuti mgwirizano wonyamula ngongole, malinga ndi zojambulajambula. 339 of Clean Code of the Russian Federation ikugonjera satifiketi yokakamiza ndi kulembetsa kwa boma. Kulephera kutsatira chimodzi mwazofunikira izi zimapangitsa kuti zisakhale zosavomerezeka. Mikhalidwe yomvetsa chisoni ndi mawu omaliza pa ngongole yoyamba panyumba. Pakadali pano pali chisokonezo china chofunsira kulembetsa kwawo kwa boma. Chipani cha Soda, mgwirizano woyamba uyenera kutsimikizika mu mawonekedwe a mgwirizano waukulu (zojambula 429 wa zojambulajambula za Russian Federation), kapena mbali inayo, mgwirizano woyamba sutsogolera pakusintha kwa ufulu wa katundu ndipo, Chifukwa chake, sikuti kugulitsa nyumba ndi nyumba, motero kulembetsa boma kuvomerezedwa sikutanthauza. Koma mopanda kukayikira, mgwirizano woyambira wanyumba umakhala ndi satifiketi yodziwika bwino (Article 18, 163,165, 429 GKRF). Mukamaliza mapangano anyumba, funso loti mapeto awo ndi ofunika m'mwazimenezi kuti mutu wa chikole sichinagule kapena osagula ndi munthu wa ng'ombe. Tsopano, malamulo aboma "Ouijotek" adalola chikole cha chomanga chosalephera.

Malinga ndi mutu wa 339 Gkrf ndi nkhani ya Ladowruf "Opriptok", m'manja mwanyumba iyenera kuwonetsa:

• Maphwando ku mgwirizano; Nthawi yomweyo, sizinakhazikike mwachindunji kuti mgwirizanowo sunaloledwe kuti anene ngongole yanyumba yosungirako nzika ndi Promxal (ndime 6 ya Malamulo ");
• udindo woperekedwa ndi ngongole zanyumba, zomwe zikuwonetsa kuchuluka kwake, maziko a nthawi ndi nthawi yakuphedwa; Ngati udindo wakhazikika pa mgwirizano, ndikofunikira kutchula maphwando ake, tsiku ndi malo ake;
• Choyimira ngongole: Kufotokozera za chinthu cha malo ogulitsa, chokwanira kuzindikira (dzina, cholinga, mawonekedwe);
• Kumanja kwa chinthu chogulitsa ndi malo ogulitsa ndi dzina la United States, ndiye kuti, mgwirizanondo nditangolembetsa maufulu a Pledger (katundu, kuwongolera kwachuma, kubwereketsa) pamalo omwe ali pansi kufufuza;
• Ngati ufulu wamoyo walandiridwa ndi ngongole yanyumba, ziyenera kufotokozedwa;
• kuwunika (mtengo) kwa katundu wa ngongole pamalingaliro (pamitengo);
• njira yobwezeretsanso chikole (ndi chigamulo cha khothi kapena mgwirizano wa maphwando);
• Pangano la nyumbayo, nyumba, zida ziyenera kuwonetsedwa ndi ufulu wa Plandseger yomwe ili pamtunda, komanso njira yomwe ili pachilichonse (ufulu wake) kapena gawo lake lofunikira kuti mugwiritse ntchito Chinthu, popeza kutero mgwirizano wobwereketsa udzawonedwa (zojambulajambula. 340 ya Civil Code of Russian Federation);
• Ngati panganolo silikukhazikitsa malo osiyana, pudger ili ndi mlandu kuti muchepetse lumbiro, kuphatikizapo kusochera ndikusamukira ku gawo lotsatira, lokha pokhapokha ngati lonjezo.

Ngati katundu wosasunthika ali ndi umwini wolumikizana, zimafuna kuvomerezedwa ndi mgwirizano wake, ndipo ngati kuli kotheratu umwini, chilolezocho sichikufunika (Artiptip "). Kuvomereza ngongole ya katundu yomwe ili muukwati wa okwatirana, kuchokera kwa mnzanu, ayenera kuwerengedwa (ndime 3 ya nkhani). Ngati chinthu chonyamula ngongole ndi malo okhala ndi nzika zazing'ono, anthu okonda kapena okonda, ndiye kuti lamulo lolemba likuyenera kugwira ntchito yogwiritsa ntchito chilamulo (P.riptipting ") .

Inshuwaransi zonse ndi kugona modekha

Ngakhale kuti ndalama za inshuwaransi zanyumba zikuwonetsa kuti mgwirizano ndi zovuta, m'machitidwe, obwereketsa ndalama ndi makampani omwe amapereka chiopsezo, komwe wobwereketsa ayenera kukhala ndi inshuwaransi. Monga lamulo, kubwereketsa ngongole kwanyumba kuli ndi mgwirizano wogwirizana ndi kampani ya inshuwaransi, yomwe imapereka ndalama zambiri za inshuwaransi zothandizira kubweza ngongole. Kuchokera pamndandanda wambiri wa zoopsa zomwe zingachitike, 3-4 zofunika kusankhidwa. Nthawi yomweyo, mitengo ya inshuwaransi imachepetsedwa, ndipo magwiridwe antchito a inshuwaransi amadutsa ndi wobwereketsa osati zopitilira 3-5% pachaka chokha pa ngongole.

Chokhacho chomwe chiyenera kukhala inshuwaunzeli chikuyenera kukhala malo obwereketsa a wobwereketsa (mwachitsanzo, nyumba). Ili ndi inshuwaransi kuchokera ku ziwopsezo zingapo. Pakachitika kwa inshuwaransi ikachitika, udindo wa inshuwaransi umaphatikizanso ndalama zobwezeretsanso ntchito yobwezeretsa. Ntchito ya inshuwaransi imagwira ntchito nthawi yonseyo. Wopindulitsa mu mgwirizano ndi banki yanyumba. Kuchuluka kwa inshuwaransi kumafanana ndi ngongole yomwe yapezeka ndi chiwongola dzanja, ndipo mtengo wa inshuwaransi uli pafupifupi 0,63% ya ngongole yanyumba.

Ngati nyumbayo yagulidwa pamsika wachiwiri, funso la kuyera kwalamulo la malo ogulidwa amakumana ndi lakuthwa. Kumvera kusokonekera kolakwika kapena kuphwanya malamulo oyambiranso, zomwe zimapangitsa kuti zibwereke zokha komanso bank bank yomwe ili ndi zovuta zomwe zakhala zosavomerezeka popanda mgwirizano. Inshuwaransi imawonjezera mtengo wa ngongole yanyumba poyerekeza ndi 1%, ngakhale imatha kukhala yotsika (0,5%) ndi pamwamba (mpaka 3-3%). Mukamagula nyumba ya "chiwopsezo choyambirira, chiopsezo chopanda tanthauzo la malonda ndi chotsika kwambiri, komanso. Mtundu wocheperako wa inshuwaransi kumapeto kwa ngongole yanyumba yanyumba ya wobwereketsa. Kasitomala, ngati mwini nyumbayo ndi nzika, ali ndi udindo kwa nzika zina (anansi awo) kuti awonongeke kuti athetse katundu wawo (Moto, ndi zina).

Uyu ndiye ngongole ya Russia tsopano. Ngongole zanyumba zimapezekabe pang'ono. Koma zosankha zatsopano zikutuluka pang'onopang'ono, zovomerezeka kwa nzika zathu.