Imakethi yokuqala neyesibini, iyona kunye nabarhwebi, izatifikethi zerhafu yengeniso yomntu, ingeniso-indlela yokujongana namaxwebhu angapheliyo kunye nokwenza into efanelekileyo? Sinika imiyalelo yamanyathelo ngamanyathelo.
Ungayithenga njani igumbi kwimali mboleko:
Ungalufumana njani igumbi
Ungayikhetha njani ibhanki
Ufumana njani imvume yokuqala
Ungayikhetha njani umrhwebi
Ungayigqiba njani isenzo sokufumana
Ngubani abanika imali mboleko
Imigaqo yokunikezela ngetyala
Ukuba udiniwe kukuphila nabazali bakho, ucwangcisa ukuzalwa komntwana okanye ukufudukela kwenye idolophu - ipropathi entsha yimfuno. Fumana ilungelo lemali "elalapha kwaye ngoku" liya kunceda kwimali mboleko yexesha elide yokuthenga izindlu. Ungayithenga njani indlu kwi-mveliso? Sikuqonda.
Inyathelo 1: Fumana igumbi
Ukuba ufuna izindlu nomhlaba-ukhetha ukhetho olufanelekileyo, wimerity. Kwimeko yemali mboleko, kuya kufuneka uqale ngokukhetha imarike yezindlu, esondeleyo kuwe - iprayimari okanye yesibini.Intengiso yezindlu yokuqala
Elona xabiso lokuthenga elinenzuzo apha yindawo yokuhlala yesakhiwo ngesakhiwo esakhiwe, ebizwa ngokuba kukuthatha inxaxheba. La maziko aneendleko eziphantsi ngemitha nganye, nokuba umbolekisi uya konyusa umrhumo wepesenti. Eyona sus ibaluleke kakhulu, ngenxa yokuba uninzi lwabathengi lusiwa-ongaziwayo. Kucacile ukuba kukho imigaqo yokwenyani yokuhanjiswa emiselweyo kwisicwangciso nakwimvumelwano. Kodwa umphuhlisi unokungabizelwa, kwaye le projekthi iza kuqalisa iminyaka eliqela de inkampani entsha ithengwe.
Ungazikhusela kwiziganeko ezinjalo ukuba uthenga izindlu ngesakhiwo esakhayo esakhayo. Umthetho malunga nokwakha okulinganayo Sebenza kakuhle kwaye umngcipheko awuthengwanga zizindlu zomntu namhlanje. Isivumelwano esinjalo kukuba ukhetho kwiNdlu egqityiweyo luhlala luyinto encinci - uninzi lwenqanaba lokwakha. Njengomthetho, ngexesha lokuhambisa indlu, umgangatho wokuqala kunye wokugqibela kunye nee-odnuncs ezininzi zihlala. Enye intsingiselo-kamsinya nje emva kokuba indlu ihanjiswa, iindleko zemitha yonyuka nge-20-30%.
Into kwincwadi yokuqala yeNtengiso yokuqala kwaye emva koko isebenza. Kwaye oku kunokwenzeka kuphela kuloo mibutho isebenzisana nenkampani yabaphuhlisi kwaye ujongane nendlu oyikhethileyo.
Intengiso yezindlu yesibini
Ungayithatha njani imali yokubambisa kwindlu kwintengiso yesibini? Nantsi imithetho yabo. Okokuqala kufuneka ufumane imali, emva koko sele kuqala ukukhetha. Nje ukuba kwenziwe, kufuneka uqhagamshelane ne-bhanki kwakhona ukuze uvume into. I-PostToublity Plus kunye neyona nto iphambili - ungangena kwaye uphile kwangoko emva kokuthenga. Ibhonasi uyakufumana iziseko zophuhliso ezilungiselelwe indawo ezineevenkile, izikolo, iigadi zabantwana kunye neeklinikhi.
Kodwa kwimarike yesibini kukho amathuba amaninzi okujongana ne-scammers. Ipropathi sele inomnini kwaye isenokuba yimithwalo ethile, malunga nalowo umniniyo owonwabileyo oya kufikelela kuphela ngokwahlukane nemali. Ngaphandle kovavanyo lweengcali, kunyanzelekile ukuba babuze umthengisi malunga nentlalo-ntle esemthethweni, nokuba kukho ityala loluntu, nokuba ngaba izindlu azibanjwa, kwaye umalume osinceda khona. Kwisazela, yonke impendulo iya kuba nesatifikethi, sinyanzelise amagama.
Inyathelo 2: Khetha ibhanki
Alinzima elinzima. Kubalulekile ukuba uhlole ngokucokisekileyo izivakalisi ezimbalwa, thelekisa iiparameter, uze wenze ukhetho.Umgangatho wenzala
Enye yeempawu zokuqala zokunikela ingqalelo. Ngokucacileyo, inqanaba lenzala elisezantsi, iimeko eziyinzuzo ngakumbi kunye nentlawulo encinci yenyanga. Namhlanje, phantse yonke imibutho ekhupha iimali mboleko zexesha elide, ireyithi iphantse iyafana. Intsebenziswano ngakumbi ngakumbi inokubonelela ngeentlawulo ezikhethekileyo zokhetho lwabanini bamakhadi okanye abakhutshelweyo.
Izibonelelo ezikhethekileyo
Kuyasebenza ukuze ugcine kwaye ulungiselele ingeniso ngentswelo ngemvumelwano ekusebenziseni iinkqubo ezizodwa ezikwiibhanki zonke - kwiintsapho ezincinci, ootitshala, njalo njalo. Ngaphambi kokutsalwa iphepha kwaye uqhagamshelane neengcali, funda olu luhlu kwaye ufumanise ukuba ungathatha indlu kwityala lemali kwiprogram yokhetho.
Iindleko ezongeziweyo
Kumthwalo kwimali mboleko eceliweyo, njengommiselo, iindleko ezininzi ezongezelelweyo ziza kwangoko: i-inshurensi, ikhomishini yephepha, intlawulo yeakhawunti, kunye nokuvavanywa. Ukuba ufuna ukugcina, ungala i-inshurensi kunye neenkonzo zovavanyo.I-Deersere kunye nokuHanjiswa
Iimeko zinokusebenza ngendlela yokuba umrhumo wetyala uza kuba kwi-inbox. Kuyimfuneko ukubuza abasebenzi beBhanki malunga nokulibaziseka okanye ukudluliselwa kwemali kumbutho apho babonelela ngenqanaba lenzala eliphantsi.
Sebenzisa i-Manic
Ukuqhotyoshelwa kwemali enkulu kusoloko kuluncedo oluhle xa uthenga. Ukuba ufuna ukusebenzisa olu khetho, kufanelekile ukuba abanye ababolekisi baya eyokwanabo, abanye bandise amaxabiso, kunye nowesithathu kwaye konke okuthintela ukusetyenziswa kweemali ezikhethiweyo kude kube ngumntwana oneminyaka emi-3 ubudala.Abaphanga kunye nesibambiso
Kwenye indawo ivunyelwe ukubonisa ukuba ayiliqabane nje kubaqeqeshi, kodwa nezinye izalamane ezisondeleyo, umzekelo, abazali. Ukongeza, kuyimfuneko ukucacisa kwinqanaba lentengiselwano, eya kuthi ithathelwe ingqalelo njengesixhobo ukuba awukwazi ukuhlawula ityala.
Inyathelo 3: Fumana imvume yokuqala
Ababolekisi abanamava bacebisa ukuba bangenelele ingxelo ngaxeshanye kwiibhanki ezininzi ukuze bangachithi ixesha ngelixa belinde impendulo, kwaye nokukwazi ukuthelekisa iimeko ezikulungele ukuboleka.Uluhlu olusisiseko lwamaxwebhu
Ke, yintoni efunekayo kwimali mboleko kwigumbi lebhanki ezininzi zaseRussia? Olona luhlu luphambili lwezinto ezifumanekayo, luzaliswe yifotokopi, ihlupheke kakhulu, kodwa idla ngokuba isondele bonke.
- Iipasipoti zabo bonke abathathi-nxaxheba kwintengiselwano.
- Isatifikethi sepenshini.
- Phakathi.
- Amadoda yitikiti lomkhosi.
- Izibini ezitshatileyo - isatifikethi somtshato.
- Uxwebhu lokuzalwa lomntwana.
Uncedo oluvela emsebenzini
- Ikopi yengxelo yengqesho, kunye nomshicileli oqinisekisiweyo ngumqeshi. Ifanele ibonise ukuba umenzi-sicelo usesebenza embuthweni. Umsebenzi usebenza ngeentsuku ezingama-30, thatha ngokukhawuleza nje ukuba ungenise ingxelo;
- Nceda i-2dfl okanye ngohlobo lwebhanki, ngamanye amaxesha isatifikethi sengeniso yomntu ophuma kwifom yasimahla ivunyelwe. Nayo inyanga kuphela.
Amaxwebhu ongezelelweyo
- Isalathiso kubhaliso kwidilesi echaziweyo (kwiintsuku ezingama-30 ezisebenzayo).
- Izatifikethi eziqinisekisa ukufumaneka kwamaxabiso okanye kwizindlu.
- Ukukhupha ukuqinisekisa ukufumaneka kwemali kwintlawulo yokuqala.
- Iikhontrakthi ezinxulumene noko okanye isiqinisekiso sokungabikho kwamatyala.
- Iirisithi eziqinisekisa ukungabikho kwetyala leenkonzo zento.
- Izatifikethi ezivela kwiziyobisi kunye ne-psychomogragical.
Inyathelo 4: Khetha umrhwebi
Ungaqala iphepha lokufumana iphepha ngeendlela ezahlukeneyo. Umntu ukhetha ukuhlawula i-Realysts kwaye ufumane imiyalelo elungiselelwe inyathelo lenyathelo lesithuba, umntu ojika kwisebe elifanelekileyo ebhankini, ngelixa abanye bekhetha ukudibanisa izingqinisiso eziyimfuneko ngokuzimeleyo kwaye zisebenza.
Ukuba ufuna ukufumana uncedo ekwenzeni isivumelwano, fumana ukuba lungakanani uvavanyo lwendlu, ebhalisa inkxaso kuyilo lwekhontrakthi-kuwe kumthengisi. Nangona kunjalo, ngaphambi kokusayina isivumelwano kunye naye, Vavanya ngononophelo uluhlu lweenkonzo ezibonelelwa ngumbutho. Ifanele ibandakanye:
- Khangela ukhetho olufanelekileyo;
- Uvavanyo lweLohl;
- Ukubhaliswa kwe-inshurensi;
- Ukugcinwa kwentengiselwano.
Njengommiselo, iinkonzo zomrhwebi zihlawulwa ngexabiso elisisigxina, okanye njengepesenti yemali mboleko ekhutshiweyo (malunga ne-1-5% kwaye kwimeko yokuvunywa kwesicelo).
Ngaba kunokwenzeka ukuba wenze amaxwebhu ngaphandle kwengqondo?
Ngokwesiqhelo abaphathi bahlola ngononophelo ukhetho olukhutshwe. Ukongeza kubunyulu bepropathi ngokwayo, idatha kwisazisi somthengisi iqokelelwe, imizamo igqityiwe. Ke ngoko, uncedo lweearhente apha ngokubanzi aziyimfuneko. Ukuba unexesha kunye nokukwazi ukuhlanganisa ngokuzimeleyo iphakheji efanelekileyo yamaxwebhu-ungasindisa isixa semali esifanelekileyo.
Inyathelo 5: Sayina isenzo sokwamkela kunye nokudluliselwa
Nje ukuba into ilungisiwe kwaye ifunyenwe iphepha elifanelekileyo, ebizwa ngokuba ziingxelo ezinesiphene zinikezelwa kubo bonke abanini. Le fomu apho kufuneka wenze bonke oovingcila ekufuneka kupheliswe yikontraktha. Umphuhlisi kufuneka anikele intetho yamagama okugqibela angeniswe kuMthetho.Yintoni ekufuneka uyijonge ngaphambi kokutyikitya amaphepha
Kungcono ukuba, xa ujonge indawo yokuhlala kwaye usayine isenzo sokwamkelwa kunye nokuhambisa, umakhi uya kuba khona okanye enye ingcali, ejongene nenkqubo enjalo. Kuya kunceda ukhangela yonke imixholo.
Ezona windows gody windows. Kunqabile xa umphuhlisi ebeka iimodeli ezisemgangathweni eziphezulu. Ngokufanelekileyo, mazingafanele ukuba yiyo, i-voisjendate ayifanele yenziwe, kwaye iifreyimu kufuneka zivulwe kwaye zivaliwe ngokuchanekileyo kwaye zivaliwe ngokuchanekileyo nangaphandle kweCrek.
Ukongeza kwiWindows, i-PRES iyacetyiswa ukuba itshekishwe:
- ubukho bamanzi kwigumbi lokuhlambela;
- ukuphakama kweyiphi imibhobho kunye nentsebenzo yayo ngemigangatho eyamkele ngokubanzi;
- ukuqhubekeka kunye nokuhambisana ngesisombululo esikhethekileyo;
- Ukutshintshelwa kunye neziseko;
- ukuqina kwemibhobho;
- Ubukho betywina kwiimitha.
Qiniseka ukuba ulinganisa indawo yekamva lakho ekhaya - kwimeko yokuba ingahambelani nelichaziweyo, umvelisi kuya kufuneka ahlawule isohlwayo. Zonke iziphene zilungisiwe kwingxelo, kwaye emva koko ityikitywe yi-Acceptor- kwaye kule meko ukupheliswa kokusilela kuya kuba sesazela kwikontraktha, okanye ihlala ingenamgaqo, yongeza inzondelelo kwi umbhekisi.
Ukwala ukufumana into
Ngokubanzi, zonke iziphene zingahlulwahlulwa zibe zimbini iinxalenye: ezinzulu okanye ezincinci. Ukuchonga ngokulula - iziphene ezinzulu zenza indlu engafanelekanga ukuba ibekho, kunye nowesibini omnye umntu unokugqitywa- ezi zizikhuselo ezincinci, amacwecwe anokupheliswa ngokulula ngokwabo.
Kwimeko yokuqala, sisayine lo mthetho kwaye ipropathi ayifanelekanga. Kuyimfuneko ukulinda de abakhi baveliswe kwaye bagqibile. Kwisenzo sokufumana kunye nokudluliselwa, zonke izizathu zibonisiwe, emva kokudluliselwa kwikontraktha. Ukuba ufumene iziphene ezincinci, ungafaka utyikityo kwingxelo, qiniseka ukuba ubonakalisa ixesha lokwenza umsebenzi.
Kubani abanika imali kwindlu
Ke, ngubani-umgqatswa ogqibeleleyo kubabolekisi?Iminyaka
Igqibelele ukuba ubusukela kwiminyaka engama-21 ukuya kwengama-45 ubudala. Oko kukuthi, ngexesha lokubuyiselwa kwetyala, umntu akufuneki abe mdala kuneminyaka engama-65. Le yinto ekhokelwa ngokubalwa ngenani elikhutshwe kwaye ixesha lemali-mboleko kwiminyaka eli-10 liya kuvunywa ngummi ongekho ngaphezulu kweminyaka engama-50, kwaye kangangeminyaka engama-20 - kuphela umfaki-sicelo eneminyaka engama-45 ubudala.
Umvuzo
Fumana iMali mboleko ngokubheja kunye neemeko ezintle ngakumbi ziya kunceda umvuzo omhlophe omhlophe. Nangona kunjalo, kuyimfuneko ukucacisa amanani okwenyani, kuba ibhanki ijonga uluhlu lwengeniso kweli lizwe kwinqanaba apho umenzi-sicelo exakekile. Inombolo ye-Evestated kakhulu inokuba sisiseko sokungaphumeleli.Intlawulo yokuqala
Elona nani lincinci lomrhumo wokuqala malunga ne-10% yexabiso elipheleleyo. Ngelishwa, le ntlawulo inyanzelekile namhlanje, igumbi kwimali mboleko ngaphandle kwegalelo lokuqala alikhutshwa. Ukuba ukulungele ukuhlawula i-30% nangaphezulu, unokunika ukubheja okufanelekileyo.
Imigaqo yokunikezela ngetyala
Ipesenti kwinqanaba
Ngoku iibhanki zibonelela ngemali mboleko kwibhidi ukusuka kwi-9 ukuya kwi-17% ngonyaka. Inani lenzala lixhomekeke kwinqanaba lomvuzo, kwaye kwimbali yamatyala, kunye nexabiso legalelo lokuqala kunye nexesha elipheleleyo lemali mboleko ibonelelwe kuyo.Ixesha lentlawulo
Uluhlu lwexesha lokufumana ixesha-ukusuka kwiminyaka emi-5 ukuya kwengama-30. Njengommiselo, ukuvuma isicelo, ababolekisi benza ukuba bahlawule kwangoko. Emva koko, ukhetho lomzi lukhwelifihla intlawulo yenyanga okanye inani leminyaka elinikezelweyo.
Umtshato
Owona mthengi uthandekayo wamaziko okuthenga ngetyala izibini ezitshatileyo. Omnye wabatshati osebenza njengombolekisi ophambili, owesibini - njengengqungquthela okanye isiqinisekiso. Ukuba iqabane lesibini alifuni kuthatha inxaxheba kwintengiselwano, ke abasebenzi belungelo elifanelekileyo lokufuna ukubhaliswa kwemvumelwano yomtshato kunye neefom zentlawulo yobunini kwimeko yoqhawulo-mtshato. Iqabane lesibini kule meko alinalungelo lokufumana izindlu nomhlaba, nokuba ziceba ukwaba imali yokuhlawula ityala okanye ukulungiswa kwindlu yokufumana izilwanyana.I-inshurensi
Ngaphandle kwe-inshurensi, ukufuphi ukwala. Njengommiselo, ababolekisi bacelwa ukuba bacwangcise i-inshurensi yobomi okanye kwizindlu nomhlaba, ukongeza, umbolekisi unelungelo lokucebisa inkampani apho kufuneka i-inshurensi.
Ikhredithi ligama elinobuhlungu kwiintsapho ezininzi. Kodwa kufanelekile ukuyiqonda le nto kwaye uthenge indlu kwi-munvage akusafuneki ukuba yindawo eyoyikisayo enjalo - akunjalo?
