Gawo la nyumba zomwe zanyumba zikasudzudwe: Mayankho a mafunso 8 akulu

Kodi kuvomerezedwa ndi banki? Kodi mungakhale bwanji ngati nyumbayo yagulidwa lisanayambe kukwatirana yovomerezeka ndi zomwe zili m'banjamo? Timayankha mafunso awa ndi enanso.

Kodi nyumbayo ili m'manja mwanyumba yogawidwa bwanji panthawi yosudzulana, ndipo kodi pali mwayi wotere? Pankhaniyi, nyumba yeniyeni ndi katundu wodziwika kwambiri kwa okwatirana. Amatha kutaya mwanzeru zawo ngati zomwe akuchita sizitsutsana ndi malamulo. Kupatula mabanja ndi mabanja omwe alowa mu chiwongolero chaukwati chomwe chimakhazikitsa zoletsa pagawo lanu. Zinthuzo ndizovuta chifukwa choti palinso phwando lachitatu - banki. Nyumba ndi pachikuto chake. Izi zimapangitsa bungwe la ngongole kuti lisagulitsidwe, kusinthana ndi kupereka. Kuphatikiza apo, eni ake alibe ufulu wogwiritsa ntchito chinthucho ngati mgwirizano. Kuletsedwanso kunyamula kulembera ndikukonzanso, komanso kulembetsa kwatsopano anthu ambiri, ngakhale atakhala achibale apamtima.

Zomwe muyenera kudziwa za gawo lanyumba

1. Kodi ndiyenera kulandira chilolezo cha banki
2. Bwanji ngati zikalatazo zikadakongoletsedwa usanakwatirane
3. Momwe mungakhalire ngati ngongole yanyumba idatengedwa
4. Zoyenera kuchita ngati ukwati sunaperekedwe konse
5. Momwe Mungagawane Ngati Pali Ana
6. Zoyenera kuchita ndi mgwirizano wa ukwati
7. Momwe Mungachitire Ngongole Yankhondo
8. Momwe Mungagawane Malo Mu Khothi

1 Kodi banki imavomereza katundu?

Mabungwe azachuma m'mikhalidwe ngati amenewa amachita mosiyanasiyana. Amatha kuyesa kukakamiza makasitomala awo kuti abweze ngongole patsogolo pa dongosolo kapena kuperekanso kudziwitsa mgwirizano pazinthu zatsopano. Kuthekera kwa kuthetsa mgwirizanowu kumawonekera. Ukwati wofooka ungayambitse kuwononga ndalama mosazindikira, motero mabungwe azamalonda akufuna kudziteteza ku makasitomala osakhazikika. Kusintha kulikonse kumagwirizanitsidwa ndi zoopsa mbali zonse ziwiri.

Kuti muteteze zofuna zawo pakusemphana, muyenera kupita kukhothi. Idzathandizira loya wodziwa bwino. Chitani bwino mu dongosolo lotsatirali.

Momwe Mungachitire molondola

• Choyamba, zonena zimapangidwa ndi kugawanika kwa katundu. Chikalatachi sichikugwirizana ndi ngongole.
• Ndi chigamulo chabwino cha bwalo lamilandu, mwanzeru za mawu omwe amakhazikitsa ufulu wa umwini. Zimayambitsa chidziwitso chokhudza magawo a eni aliyense. Kuti muchite izi, kulumikizana ndi Rosrestr.
• Pokhapokha mutakhazikitsanso chizindikiro kuti mutha kulumikizana ndi banki. Woyimira ku bungweli azitumizidwa kuti alembetse ngongole, yothandizidwa ndi pepala kuchokera kubwalo. Ngati mukugwira ntchito pagawoli, gulu la malonda liyesa kuthetsa mgwirizano kapena kudziteteza mwanjira ina. Cholinga cha izi ndikuyesa kusiya chilichonse chosasintha, kukanikiza makasitomala. Gawolo likachitika kale, ndipo banki yonse yoyipa kwambiri ili kale, njira zotere sizingafunike.
• Gawo lotsatira ndikupanga mapangano awiri osiyana m'malo mwa imodzi.

Banja la banja la Russian Federation m'chigawocho limalola aliyense wa okwatirana kuti azikhala ndi magawo ofanana. Komabe, pali zinthu zingapo zomwe sizingatheke.

Pomwe ndizosatheka kupeza magawo ofanana m'nyumba

• Kukhalapo kwa mwana kumachitika mosasamala za msinkhu wake.
• Migwirizano ya Ukwati.
• Makasitomala amapanga zingapo.
• Mabungwe a ngongole amaganiza panthawi yomwe ubale sunakongoletsedwe.

2 Ndingatani ngati ngongoleyo idaperekedwa musanakwatirane?

Malamulo aja akuti chuma chilichonse chimakhala ndi moyo wabanja chisanachitike munthu ndipo sangagawike ataphwanya maubale. Nthawi yomweyo, mmodzi mwa okwatirana ali ndi mitengo yake, ngakhale sizikugwira ntchito. Chowonadi ndi chakuti ndalama zilizonse za banja lachiwirili malinga ndi Lamulo limaganiziridwa wamba. Kusintha malamulowa, muyenera kulembetsa zinthu muukwati. Zikamaliza, nthawi zambiri saganiza ngakhale kusudzulana kapena kusinthana nyumba, koma akutsutsabe, ziyenera kutsatiridwa ndi kuthetsa mafunso onse pasadakhale.

Ngati mgwirizanondowo udatsimikizika usanapange ubale, ngongole ili ndi vuto la munthu yemwe adachita mgwirizano.

Ngati nyumba ili m'nyumba yatsopano, osatumizidwanso, ndizosatheka kuti ikhale ndi umwini wa Iwo. Pankhani ya chisudzulo chikachitika mpaka kufala kwa kutha kwa chitatu chachokera ku Egrn m'manja, m'modzi mwa okwatirana angagwire ntchito kuti mupeze ndalama zopumira. Zoperekedwa kuti zomwe zimachitika zili m'manja mwa onse omwe ali ndi onse, magawo ofanana amadalira aliyense wa iwo. Mutha kugawana gawo limodzi lokhalokha.

3 Momwe mungachitire ngati mgwirizano wapangidwa muukwati?

Monga lamulo, okwatirana ndi aphunzitsi. Ntchito zawo zimagawidwa chimodzimodzi. Pambuyo pa chisudzulo, kusamvana kungabuke - pambuyo pa zonse, aliyense alire aliyense za iyemwini. Sizokayikitsa kuti wina adzafuna kutenga udindowo, makamaka popeza izi sizingachitike.

Ndikwabwino kuwerengera zomwe ndi zomwe muyenera kuchita mukamalekanitsa. Pa izi, sikofunikira kuyankhulana mgwirizano wa ukwati, koma mafunso ambiri adzathetsa kukhala osavuta. Ngati muika zonse pa Samoneck, zotulukapo zake zitha kukhala zoopsa. Pali zochitika zina pamene Coachimandor imodzi ikukana kupereka zopereka zokonzedwa, pokhulupirira kuti ili ndi udindo wa winayo. Iye, nawonso, amatsatira malingaliro omwewo ponena za oyambayo. Zotsatira zake, malipiro azowonjezera, zilango komanso mgwirizano wochepetsedwa ndi banki.

Zimachitika kuti m'modzi mwa omwe amachita nawo amachita monga wotsogolera, winayo - wobwereketsa. Bukulo limakakamizidwa kulipira ngongoleyo ngati wophunzirayo sangathe kukwaniritsa ntchito yake ndikupereka zopereka zokonzedwa.

Momwe mungathere mafunso mwamtendere

• Kugawidwa maudindo kumakhalabe chimodzimodzi - aliyense amalipira. Kuti tichite izi, tiyenera kuyambiranso mgwirizano ndi banki, yomwe idatsimikiziridwa pa anthu awiri. Aliyense ndi amene ali ndi zawo. Mwina makasitomala ayenera kutsimikizira zosungunulira kukhothi kuti zitheke mgwirizano.
• Mmodzi mwa omwe anali nawo kale amakana mbali inayake.
• Ndi chilolezo cha magulu onse, malowo amagulitsidwa. Nditabweza ngongole zonse, ndalama zimagawidwa pakati pa obwereketsa.
• Njira yosavuta komanso yodalirika yobwezera ngongoleyo idzabwezera ngongole, kugulitsa chinthu kuti apatse ndalamazo. M'milandu itatu yoyamba, banki imatha kuyankha motsutsa. Dongosolo lotsirizali silokangakhumudwitse.

4 Momwe mungagawane nawo nyumba ngati ukwati sunalembetsedwe?

Mgwirizanowu umakhala ndi wobwereketsa m'modzi yekha. Mukamaphwanya chibwenzi, chachiwiri chili ndi ufulu wotenga gawo lawo kapena ndalama zolipirira ndalama. Kuti achite izi, adzayenera kupita kukhothi ndi umboni wa zolipira pa bajeti yonse. Kuphatikiza apo, ayenera kutsimikizira kuti amagwirizanitsa ndi gawo lachiwiri. Izi ndizosavuta ngati pali graph kapena makasitomala - ovomerezeka kapena osavomerezeka.

Ndi ukwati wotchedwa ukwati (wosagwirizana) wokwatiwa umatenga amene mapepalawo amakongoletsedwa. Ngati uyu ndi munthu awiri, wopuma pantchito, ayenera kupanga zopereka zofanana.

5 Momwe mungagawane nyumbayo m'nkhokwe, ngati pali ana?

Pankhaniyi, magawo sadzakhala osavomerezeka. Wamphamvu adzalandira amene adzakhala mwana. Pambuyo pa nkhaniyi itatha, mutha kulumikizana ndi banki kuti mubwerenso.

Ngati wolowa m'malo ali ndi cholowa chake, amawonjezedwa ndi kholo lomwemu adzakhala naye. Akakhala ndi abambo kapena amayi ake omwe alibe mbali yake, ndipo alibe nyumba ina, masilango ake amachotsedwa. Mwachitsanzo, amayi akadapempha mayina asanakwatirane, ndipo mwana wake wamwamuna amakhala ndi abambo ake, ndiye kuti Mwana wamwamuna ayenera kukhala nawo m'gulu la nyumba. Mwalamulo, malowa amaperekedwa kwa abambo.

Kwa kubweza ngongole, makolo nthawi zambiri amagwiritsa ntchito likulu la amayi. Monga lamulo, khotilo linazindikira chuma cha mkazi wake. Itha kutaya malo omwe alipidwe kuchokera ku ndalamazi. Ndi imfa ya ufulu wa makolo, katunduyo amapita kwa abambo ake.

6 Kodi Mungatani Ngati Mgwirizano Waukwati Watha?

Mgwirizano wa ukwati uli ndi mikhalidwe yapadera. Tiyerekeze kuti nawonso omwe amatenga nawo malonda sakupulumutsidwa kuchokera pazolipira, pomwe sangathenso kudzitenganso nyumba. Mgwirizanowu ndi chinthu chofunikira polumikizana ndi khothi. Ili yankho la funsoli - lingalirani nyumbayo m'nkhokwe ikasudzulidwa.

Kodi ndingatani ngati ngongole yankhondo yomwe ikuperekedwa?

Kusiyanitsa kwakukulu pakati pa ulendowu ndikuti udindo wopereka zoperekazo sizikhala payekha, koma ku Unduna wa Chitetezo.

Mgwirizanowu umakhala ndi membala wa banja, yemwe ndi asitikali ankhondo. Sizingabwezeretse katundu womwe wapezeka pa anthu ena. Banja lake silimatenga nawo gawo gawoli.

Ndi ndalama zolipira zopereka zomwe zili pansi pa ngongole ya ngongole (mwina ndi kuphwanya kwina), kulipirira kuyenera kubweza msirikali. Gawo la nyumbayo m'DMWANDIRA PAMENE CHITSANZO CHOSAWA CHINSINSI.

8 Kodi Kugawikana Malo Ku Khoti?

Ngati sizotheka kuvomereza njira yamtendere, ndikofunikira kutumiza zomwe zimayambitsa kugawidwa kwa katundu.

Zomwe ziyenera kukhala mu milandu

• Tsiku logula.
• Zambiri za omwe adalembetsa mgwirizano.
• Kuchuluka kwa zopereka zolipiridwa.
• Zofunikira zofunsira.

Phukusi la zikalata zopereka

• Tingatengere kwa Egrn, yomwe imakhazikitsa umwini wa cholembera kuti nyumba ili m'nkhosa.
• Mgwirizano wa ngongoleyo, pomwe magawo ndi zopereka za aliyense akuwonetsedwa.
• Thandizirani ngongole. Imaperekedwa ndi banki.
• Satifiketi Yachisule.
• Makope a mapasipoti.
• Pepala lotsimikizira kuti kulipira ndalama zopereka, mtundu wa ukwati, zambiri. Mungafunike chidziwitso chokhudza a Mboni ngati muyenera kutenga nawo mbali.
• Kulandira ndalama za boma. Kuchuluka kwake kumadalira mtengo wa zonena, zomwe, zimatengera kuchuluka kwa wokwatirana naye amene adabwera kukhothi. Pa mtengo wa ma ruble a 8-100, kukula kwa ntchito ya boma kudzakhala ma ruble 800. Kuphatikiza 3% ya kuchuluka kwa ma ruble 20,000.

Wolemba milandu angafune pepala lotsimikizira magwero a zolipira.

Paketi ya zikalata za olemba

• Akupanga ndi ndalama zomwe zimagwiritsidwa ntchito.
• Zikalata Zolozera, ngati ndalama zolipitsidwa zidabadwa kapena kusinthidwa kuchokera kugulitsa katundu kusamutsidwa ndi cholowa.
• Mgwirizano Wokondedwa, ngati atapatsidwa ndalama anali kutenga ngongole kapena malo osungira katundu anali nawo.

Mukamapanga chisankho pankhaniyi poganizira, zofunikira za banki zimagwira ntchito yofunika. Bungweli ndi mwini nyumbayo mpaka kubweza ngongole, motero ndikofunikira kuvomera ntchito zonse. Chifukwa chake, mwachitsanzo, makasitomala nthawi zina amafunikira ndalama zowonjezera. Kodi malo okhala ndi zogona kumatha kubwereka, koma ndiyenera kuchita chiyani ngati nyumbayo m'nyumba yasudzulidwa? Kuti muchite izi, muyenera kulandira chilolezo cha banki.

Chifukwa chosangalatsira mwachitsanzo nthawi zambiri chimakhala kukana kwa m'modzi mwa okwatirana kukwaniritsa ngongole. Ndi kukana kwa pepala, amabwezeretsanso mbali yosungunulira, ndipo mbali yakomweko imataya. Ngati obwereketsa osavomerezeka salipira ndalama kwa miyezi itatu, ndipo safuna kukana gawolo, bankiyo imatha kugulitsa malo ogulitsa nyumba, ndipo ndalama zosungidwa zolipira ngongole zomwe zimapangidwa. Mukamagulitsa, imachepetsa mtengo kuti mupeze ndalama mwachangu.

Zimachitika kuti makwati onsewa amakana kulipira. Pankhaniyi, bungweli lili ndi ufulu wonse wonyamula chinthu cha malo ogulitsa.