Imakethe yamabanga aphansi neyesekondari, ama-realtors kanye nabathengi, izitifiketi zentela yomuntu siqu, ukucwilisa - ukuthi ungabhekana kanjani nemibhalo engapheli futhi wenze isivumelwano? Sinikeza imiyalo yesinyathelo ngesinyathelo.
Ungayithenga kanjani ifulethi elibambiwe ngemalimboleko:
Ungayithola kanjani ikamelo
Ungayikhetha kanjani ibhange
Ungakuthola kanjani ukuvunywa kokuqala
Ungayikhetha kanjani Broker
Ungaphetha kanjani isenzo sokwamukela
Abanikeza bani imali ebanjiswayo
Imibandela Yokuvumela Isikweletu
Uma ukhathele ukuhlala nabazali bakho, uhlela ukuzalwa kwengane noma ukufudukela kwelinye idolobha - impahla entsha iyisidingo. Thola imali eyinhloko "lapha nangomhlabe manje" uzosiza imali mboleko yesikhathi eside yokuthengwa kwezindlu. Ungayithenga kanjani ifulethi elibolekayo futhi ungahlali? Siyaqonda.
Isinyathelo 1: Thola ifulethi
Uma udinga indawo ethengiswayo - ukhetha inketho efanelekile, okuyisisekelo. Endabeni yemalimboleko, udinga ukuqala ngokukhethwa kwemakethe yezindlu, esondele kuwe - okuyisisekelo noma kwesekondari.Imakethe Yezezindlu Eyisisekelo
Intengo yokuthenga enenzuzo kakhulu lapha iyindawo ethengiswayo esakhiweni esakhiwa, okubizwa ngokuthi yisabelo sokwabelana. Lezi zindawo zinezindleko eziphansi kakhulu ngemitha ngayinye, ngisho nesimo lapho obolekayo azokhulisa khona isilinganiso samaphesenti ambalwa. Imisusa ebaluleke kakhulu, ngenxa yalokho abaningi babathengi abahlukaniswe - abangaziwa. Kuyacaca ukuthi kunemigomo yangempela yokulethwa okubekwe ohlelweni nakwinkontileka. Kepha unjiniyela angagibela, futhi iphrojekthi izokhipha iminyaka eminingana kuze kube yilapho inkampani entsha izothengwa.
Ungazivikela kulezi zigameko ezinje uma uthenga izindlu esakhiweni esakhiwe esakhiwe. Umthetho wokwakhiwa kwe-equity usebenza kahle futhi izingozi azithengiswanga izindlu zomuntu namuhla. I-minus monus enjalo ukuthi izinketho ezisendlini eqediwe zihlala zincane - zihlenge kakhulu esigabeni sokwakha. Njengomthetho, ngesikhathi sokulethwa kwendlu, izitezi zokuqala nezokugcina kanye nama-odnon ambalwa asele. Enye i-nuance - ngokushesha nje lapho indlu ilethwa, izindleko zemitha inyuka nge-20-30%.
Into ebhukwini lokuqala lemakethe futhi kuphela ngemuva kwalokho. Futhi lokhu kungenzeka kuphela kulezo zinhlangano ezisebenzisana nenkampani kanjiniyela futhi kubhekele indlu oyikhethile.
Imakethe Yezezindlu Yesibili
Ungayithatha kanjani imalimboleko efulethini emakethe yesibili? Nayi imithetho yabo. Okokuqala udinga ukuthola imali, ngemuva kwalokho isivele isiqala ukukhetha. Lapho nje senziwa, udinga ukuxhumana nebhange futhi ukuze uvume into. Ukungabaza okungabazayo kanye nenzuzo enkulu - ungangena futhi uphile ngokushesha ngemuva kokuthenga. Ibhonasi uzothola ingqalasizinda eyenziwe ngomumo yendawo ngezitolo, izikole, izingadi zezingane kanye nemitholampilo.
Kepha emakethe yesibili kunamathuba amaningi okubhekana nama-scammers. Impahla isivele inomnikazi futhi kungenzeka ibe yimithwalo ethile, lapho umnikazi ojabulayo ezothola kuphela ngokuhlukana nemali. Naphezu kokuhlolwa kochwepheshe, kuyadingeka ukubuza umthengisi ngenthalelo esemthethweni yento, noma ngabe kunesikweletu somphakathi, noma ngabe uMalume akabazi, futhi umalume kamalume uyabaswa, akhonza isiphetho. Kumthengisi ononembe, yonke impendulo nakanjani izoba nesitifiketi, iqiniswe ngamazwi.
Isinyathelo 2: Khetha ibhange
Akusona isigaba esinzima kunazo zonke. Kubalulekile ukuhlola ngokuphelele okungenani imisho embalwa, qhathanisa amapharamitha, bese wenza ukukhetha.Isilinganiso senzalo
Enye yezinkomba zokuqala ukunaka. Ngokusobala, inani lenzalo eliphansi, izimo ezinenzuzo enkulu nokukhokha okuncane kwanyanga zonke. Namuhla, cishe zonke izinhlangano ezikhipha imali mboleko yesikhathi eside, izinga cishe lilingana. Ukubambisana okuzuzisayo kungahlinzeka ngezintela ezikhethekile zokukhethwa kwabanikazi bamakhadi weholo noma kubathengi.
Izipesheli
Kuhle ukusindisa futhi ngokunenzuzo aphethe inkontileka ngokusebenzisa izinhlelo ezikhethekile ezisebhange ngalinye - emindenini yentsha, ezempi, othisha, njalonjalo. Ngaphambi kokwenza iphepha futhi uthintane nochwepheshe, funda lolu hlu futhi uthole ukuthi ungathatha ifulethi kwizezimali ohlelweni olukhethile.
Izindleko ezingeziwe
Emthwalweni obolekwe kwimalimboleko eceliwe, njengomthetho, izindleko eziningana ezengeziwe ziyeza ngasikhathi sinye: umshuwalense, ikhomishini yamaphepha, ukukhokha i-akhawunti, kanye nokuhlola. Uma ufuna ukusindisa, unganqabe amasevisi womshuwalense kanye nama-appraiser.Deferre futhi uhlehlise
Izimo zingasebenza ngendlela yokuthi imali yesikweletu izoba yibhokisi. Kuyadingeka ukubuza abasebenzi basebhange mayelana nokubambezeleka noma ukudluliselwa kwemali enhlanganweni lapho benikeza khona inani lenzalo eliphansi.
Sebenzisa imali kamama
Ukunamathiselwa kwenhlokodolobha yomama kuvame ukuba lusizo oluhle lapho uthenga. Uma ufuna ukusebenzisa le nketho, kuyasiza ukuthi abanye ababolekisi baya kulo mbumbulu ngokuzithandela, abanye bakhulisa amanani, kanti nokwesithathu futhi bonke bakwenqabela ukusetshenziswa kwemali ekhethwayo kuze kube yilapho ingane ineminyaka emithathu.Abapheki kanye nesibambiso
Kwenye indawo evunyelwe ukukhombisa hhayi umngane wakhe womlingani kuphela kubaqeqeshi, kodwa nezinye izihlobo eziseduze kakhulu, ngokwesibonelo, abazali. Ngaphezu kwalokho, kuyadingeka ukucacisa esiteji sokuthengiselana, okuzothathwa njengokubumbana uma ungakwazi ukukhokha isikweletu.
Isinyathelo 3: Thola ukuvunywa kokuqala
Ababolekisi abanolwazi bancoma ukuhambisa isitatimende ngasikhathi sinye bangene emabhange amaningana ukuze bangachithi isikhathi ngenkathi belinde impendulo lapho lowo obolekayo abelulungele ukunikeza khona imali.Uhlu oluyisisekelo lwemibhalo
Ngakho-ke, yini edingekayo ukuze ubolekise imali efulethini emabhange amaningi aseRussia? Uhlu oluphambili lwangempela, luhambisana ne-Photocopy, lubanzi kakhulu, kepha imvamisa konke kusondele.
- Amaphasiphothi abo bonke ababambiqhaza ekuthengiselweni.
- Isitifiketi sempesheni.
- I-Inn.
- Abesilisa yithikithi lezempi.
- Imibhangqwana emindenini - isitifiketi somshado.
- Idokhumenti yokuzalwa kwengane.
Usizo Lomsebenzi
- Ikhophi yerekhodi lokuqashwa, ngokuphrinta okuqinisekisiwe ngumqashi. Kufanele ikhombise ukuthi umenzi wesicelo usasebenza enhlanganweni. Umsebenzi usebenza izinsuku ezingama-30, ngakho-ke thatha ngokushesha lapho uthumela isitatimende;
- Siza i-2DFL noma ngesimo sebhange, futhi kwesinye isikhathi isitifiketi semali esinemali ngohlobo lwamahhala sivunyelwe. Futhi kufanelekile kuphela ngenyanga.
Imibhalo eyengeziwe
- Inkomba ekubhalisweni ekhelini elicacisiwe (izinsuku ezingama-30).
- Izitifiketi eziqinisekisa ukutholakala kwamanani noma indawo ethengiswayo.
- Kukhipha okuqinisekisa ukutholakala kwemali ngemali yokuqala.
- Izinkontileka ezihlobene noma isitifiketi sokungabikho kwezikweletu.
- Amarisidi aqinisekisa ukungabikho kwesikweletu sezinsizakalo ezisetshenziswayo.
- Izitifiketi ezivela kubathengisi bezidakamizwa kanye ne-Psychooneurological.
Isinyathelo 4: Khetha Broker
Ungaqala amaphepha ngezindlela ezihlukile. Othile ukhetha ukukhokha ama-Empumu athola imiyalo yesinyathelo ngesinyathelo ngesiphetho sokuthengiselana, othile uphendukela egatsheni elifanele ebhange, kanti abanye bakhetha ukuqoqa izikhombo ezidingekayo ngokuzimela nangezicelo.
Uma ufuna ukuthola usizo ekwenzeni isivumelwano, thola ukuthi kuhlolwe kangakanani efulethini lempahla ebanjiswayo, cima ukusekelwa ekwakhiweni kwenkontileka - kuwe kumthengisi. Kodwa-ke, ngaphambi kokusayina isivumelwano naye, hlola uhlu lwezinsizakalo ezinikezwa yinhlangano. Kufanele kufake:
- Sesha inketho efanelekile;
- Ukuhlola okuningi;
- Ukubhaliswa komshuwalense;
- Ukugcinwa kokuthengiselana.
Njengomthetho, izinsizakalo ze-Broker zikhokhwa ngenani elinqunyelwe, noma njengephesenti lemalimboleko ekhishwe (cishe ngo-1-5% futhi kuphela lapho kuvunyelwe khona isicelo).
Kungenzeka yini ukwenza amadokhumenti ngaphandle kwe-realtor?
Imvamisa abaphathi bahlola ngokucophelela inketho ezokhishwa. Ngaphezu kobumsulwa bempahla uqobo, idatha yobunikazi bomthengisi iyaqoqwa, imithwalo inqunywa. Ngakho-ke, usizo lwama-ejenti lapha ngokujwayelekile aludingekile. Uma unesikhathi kanye nekhono lokuhlanganisa ngokuzimela iphakethe elidingekayo lemibhalo - ungagcina inani elihle lemali.
Isinyathelo 5: Sayina isenzo sokwamukela bese udlulisa
Lapho nje into isilungile futhi iphepha elifanele liyatholakala, okuthiwa yizitatimende ezibizwa ngokuthi zinikezwe bonke abanikazi. Leli fomu lapho kufanele wenze kubo bonke abatholayo okufanele baqedwe usonkontileka. Umthuthukisi kufanele athuthukise amagama okugcina afakwe noMthetho.Okudingayo ukuhlola ngaphambi kokusayina amaphepha
Kungcono uma, lapho ubheka indawo ethengiswayo futhi usayina isenzo sokwamukelwa nokudluliselwa, umakhi uzoba khona noma omunye uchwepheshe, ebhekene nenqubo enjalo. Kuzosiza ukuhlola ngokucophelela wonke ama-nuances.
Izimangalo ezivame kakhulu zokubiza amawindi. Kuyaqabukela lapho unjiniyela ebeka amamodeli asezingeni eliphakeme. Ngokufanelekile, akufanele zidlule, i-condensate akufanele yenziwe, futhi ozimele kufanele zivulwe futhi zivalwe kahle futhi ngaphandle kwe-creek.
Ngaphezu kweWindows, izinzuzo ziyelulekwa ukuthi zihlole:
- ukuba khona kwamanzi angangeni manzi egumbini lokugezela;
- ukuphakama okukuwo amapayipi kanye nokuhlangana kwayo okunezindinganiso ezamukelwa ngokuvamile;
- ukucubungula okuhlangene kanye nemikhumbi ngesisombululo esikhethekile;
- Ukushintshwa kokuphakelayo nezisekelo;
- ukuqina kwamapayipi;
- Ukuba khona kophawu kumamitha.
Qiniseka ukukala indawo yekusasa lakho ekhaya - uma kungafaniswa okucacisiwe, unjiniyela kuzodingeka akhokhe inhlawulo. Zonke iziphambeko zihleliwe esitatimendeni, bese kuthi kusayinwe samukelwa - futhi kulokhu ukuqedwa kokushoda kuzoba nosonkontileka, noma kusalokhu ngaphandle kwesiginesha - njengomthetho, kunezela umdlandla, wengeza umdlandla, wengeza umdlandla, wengeza umdlandla, wengeza umdlandla, wengeza intshiseko Unjiniyela.
Ukwenqaba ukuthola into
Ngokuvamile, wonke amaphutha angahlukaniswa izingxenye ezimbili: zimbi noma zincane. Ukunquma kalula - iziphambeko ezinkulu zenza indlu ayifanele ukuba khona, kanti owesibili ungaqedwa - lezi zinto ezincane, imifantu engaqedwa kalula ngokwazo.
Esimweni sokuqala, sisayine uMthetho futhi impahla ayifanele. Kuyadingeka ukulinda kuze kube yilapho abakhi benziwa kabusha futhi baqedwa. Esesandleni sokuthola nokudlulisela, zonke izizathu zikhonjisiwe, ngemuva kwalokho kudluliselwa kosonkontileka. Uma uthole iziphambeko ezithile ezincane, ungabeka isiginesha esitatimendeni, uqiniseke ukukhombisa isikhathi sokwenza umsebenzi.
Abanikeza bani imali efulethini
Ngakho-ke, ubani - ukhetho oluphelele kwabakweletwayo?Iminyaka
Iphelele uma usuka eminyakeni engama-21 kuye kwengama-45 ubudala. Lokho wukuthi, ngesikhathi sokukhokha isikweletu, umuntu akufanele abe ngaphezu kweminyaka engama-65. Lokhu yilokho okuqondiswa ukubala inani elikhishwe kanye nesikhathi - imali mboleko izovunywa yisakhamizi hhayi esingaphezu kweminyaka engama-50, futhi iminyaka engama-20 kuphela - umfakisicelo oneminyaka engama-45.
Umholo
Thola imalimboleko ekubhekeni okuncishisiwe futhi ezimweni ezinhle kakhulu kuzosiza amaholo aphezulu amhlophe. Kodwa-ke, kuyadingeka ukucacisa izibalo zangempela, ngoba ibhange lihlola izibalo zemali engenayo ezweni emkhakheni lapho umenzi wesicelo ematasa khona. Idijithi eyeqile ngokweqile ingaba yisisekelo sokwehluleka.Imali yokuqala
Inani elincane lomnikelo wokuqala lingaba ngu-10% wenani eliphelele. Ngeshwa, lokhu kukhokha kuphoqelekile namuhla, ifulethi elibanjiswayo ngaphandle komnikelo wokuqala akhishwe. Uma usukulungele ukukhokha ama-30% nokuningi, unganikeza ukubheja okuhle.
Imibandela Yokuvumela Isikweletu
Amaphesenti ngesilinganiso
Manje amabhange ahlinzeka ngemalimboleko kusuka kubhidi kusuka ku-9 kuye ku-17% ngonyaka. Inani lentshisekelo lincike ezingeni lamaholo, futhi kusukela kumlando wesikweletu, kanye nenani lomnikelo wokuqala kanye nesikhathi esiphelele lapho imali mboleko inikezwe khona.Isikhathi sokukhokha
Uhla lwesikhathi sesikhathi - kusuka eminyakeni emi-5 kuye kwengama-30. Njengomthetho, ukuvuma uhlelo, ababolekisi benza ukuthi bakwazi ukuyikhokha kusenesikhathi. Ngemuva kwalokho, ukukhethwa kobolekayo kunganciphisa inkokhelo yanyanga zonke noma inani eliphelele leminyaka lapho inani likhishwe khona.
Ukugana
Iklayenti elithandwa kakhulu lezikhungo zesikweletu lingabashadikazi abashadile. Omunye wabashadikazi usebenza njengobolekayo ophambili, owesibili - njengokufana noma isiqinisekiso. Uma umlingani wesibili engafuni ukubamba iqhaza kulokhu kuthengiselana, khona-ke abasebenzi ngakwesokunene sokufuna ukubhaliswa kwenkontileka yomshado nezindlela zokukhokhela ubunikazi esikhundleni sesehlukaniso. Umlingani wesibili kuleli cala akanalo ilungelo lokuthengiswa kwezakhiwo, noma ngabe amasu okuthola imali yokukhokha isikweletu noma enze ukulungisa endaweni ethengiswayo etholwayo.Umshwalense
Ngaphandle komshuwalense, futhi ubeka engcupheni yokuthola ukwenqaba. Njengomthetho, abakweletwayo bacelwa ukuthi bahlele umshuwalense wempilo noma indawo ethengiswayo, ngaphezu kwalokho, obolekayo abanelungelo lokuncoma inkampani lapho kudingeka khona ukuqinisekisa.
Isikweletu yigama elilimaza ukwethuka emindenini eminingi. Kepha kufanelekile ukuyiqonda le nkinga futhi uthenge ifulethi emhlanganweni ongasasebenzi kahle kangako - akunjalo?
