Kodi kupeza kubweza ndi zoipa ngongole mbiri: malangizo malamulo

Kubweza ngongole - za mtundu wina wotchuka kwambiri ngongole mu dziko. Mwayi kugula nyumba zawo nthawi imodzi osati potsata zaka tsankho yekha mu zonse, ndi kukopa anthu ambiri. Komabe, n'kupeza kubweza ndi zoipa ngongole mbiri akhoza kukhala ndi vuto lalikulu pa njira yopita ku maloto wa pangodya anu.

Kodi kuchita zimenezo? Kodi malo pa mbiri za chuma ndi kuthetsa vuto magazi pang'ono? Awa ndi mafunso ena ambiri chidwi kwambiri kwa wowerenga, kamodzi takumana ndi kukana kwa kubweza lapansi.

ndi kubweza ngongole zimene

Choyamba, tiyeni tikambirane zimene ndi kubweza ngongole ndi mbiri, mmene zikugwirizanirana mzake, ndipo ngati munthu zingakhudze ena.

Mawu akuti "kubweza" limatanthauza mtundu wa crediting, pamene ngongole kugula nyumba, ndi kuti ali wobwezera chinsinsi banki mpaka pa alipire ngongole. Pankhaniyi, wogula ngakhale akuganiza kuti mwini nyumba, koma simungathe kukwanitsa kuchita chilichonse malamulo. Ngati zilango zina mpaka alipire zonse ngongole ndi kasitomala mabasi kulipira mabilu. Patapita nthawi, gombe akhoza ndi chiyani kukagwira nyumba kuchokera wobwereka wosasamala. Pankhaniyi, anthu atisokoneze opanda ndarama ndi opanda pogona.

Kuwonjezera oyima kapena kuchedwa mu malipiro a ngongole, pali malo ena kuchotsa mgwirizano:

• defacing katundu, kulephera kutsatira zinthu opaleshoni;
• maofesi kufala ntchito ndi lachitatu maphwando;
• kuphwanya zikhalidwe za inshuwalansi;
• redevelopment wa malo, kusintha nyumba tehharakteristik.

Mogwirizana chakuti ngongole amenewa amalipidwa angapo zaka zambiri, mabanki ndi mosamala kwambiri onani anthu amene zanyumba. Iwo akuyesa mwa onse kuchepetsa chiopsezo sanali alipire ngongole. Pakuti gombe pafupifupi abwino Wokongola ndiye motere:

• Age - za 27-30 zaka. Izi zokwanira kuloza kwa mapeto malipiro kasitomala sizinathe anapuma.
• A mkulu boma malipiro. Ngati zasungidwa anu ali katatu konse malipiro a pamwezi kubweza anu, inu amalandira makasitomala a banki iliyonse.
• Chokuchitikirani chidwi kampani zabwino, makamaka pa positi yapamwamba.
• A m'banja limene khola, komanso ndi ana awiri kokha zolimbitsira wanu. Komanso, ndi zofunika kuti mkazi kapena mwamuna (mkazi) anali kuombeza ndi malipiro abwino.

Koma ngakhale mukukumana onse akwaniritsa zimenezi ndipo muyenera kubweza ndi zoipa ngongole mbiri akhoza kuimba ndi inu nthabwala njiru.

Kodi mbiri ngongole

Aliyense amene akufuna kutsatira banki ndi pempho chopezera kugulira nyumba, choyamba tiyenera kumvetsa tanthauzo la mawu akuti "ngongole mbiri", monga aumbike, kumene angapezeke ndi zimene zimakhudza. Kenako, mmalo mwa pester abwenzi ndi anzawo ndi kufuula: "Thandizani kupeza kubweza ndi zoipa ngongole mbiri!" - munthu akhoza mosadalira kusonkhezera zinthu.

Musanasankhe pa ndondomeko ya ngongole ndi, bungwe lililonse chuma kwenikweni amatchula BCH (amasinthira). Kuti agwirizane zambiri pa munthu aliyense amene ali kale mu moyo wanga kutenga ndalama ngongole. Mu Nawonso achichepere ngati kusinthidwa ndi mfundo zimene opangidwa kuchokera ngongole kwa izi kapena munthu amene mosamala ngati kulipira ngati akuchedwa anali. Ngati panali kuphwanya pangano, mbiri ya nayonso kuonekera mu nkhani ya ngongole.

Kodi ndi "zoipa ngongole mbiri" ndiponso kuti zingamvekere

Monga mukudziwa, malo mu CI - chifukwa chokana kupeza kugulira nyumba. Mabwinja zinasokoneza makompyuta ndi mabungwe onse ngongole, popanda yekha. Pali i angapo amene macheke zambiri amachitika. Mwachitsanzo, ngati:

1. Kulephera kutsatira mawu a pangano, la akuchedwa malipiro, kusiyiratu wathunthu wa zitsimikizo.
2. The zifukwa zimene sikukutanthauza wobwereka, koma kuvutika ndi mayesero matenda. Izi zikhoza kukhala kulakwitsa zikuperekedwa, kupanga malipiro ndi banki ina, malipiro mochedwa, ndi mawerengedwe pachithunzichi wa chigawo chomaliza, ndi zinthu zina.
3. ntchito achinyengo. Pali milandu kumene fraudsters akatunge ngongole, kugwiritsa ntchito mapepala ena. Iwo kubwerera ndalama, ndithudi, Sapita. Pankhaniyi, ngakhale zochita kuyan'anila za lachitatu maphwando adzakhala ndi umboni, IQ yanu bwinobwino asokoneza.

Kumene, ndi kasitomala zikuoneka kuti sanali wolakwa, koma kuthandiza kubweza iye kwenikweni ankafuna milandu yotsirizira awiri.

Kodi kuonanso ngongole zanu mbiri ndipo n'chifukwa chiyani muyenera kuchita

Kupewa zinthu zosasangalatsa, ndi bwino onetsetsani kuti tipeze IQ pasadakhale awo. chakuti gombe si kupereka mwanjira kulimbikitsa kukana, koma nthawi zambiri kusiyana ndi anzawo a mabungwe a zachuma akutchulidwa izo. Koposa zonse zimene pamwamba, akhoza kuwononga zinthu ngakhale zing'onozing'ono:

• yaing'ono (a masiku ochepa) akuchedwa pa ogula Ngongole;
• malipiro oyambirira a ngongole popanda chilolezo cha banki;
• Kulephera kutsatira udindo wake ngati muli ndi guarantor wa wachibale ngongole kapena bwenzi;
• ngongoleyo ruble 2-3 anachititsa chifukwa cholakwa mu kuwerengetsera lapansi.

Pofuna kupewa mavuto, likhale lamulo kamodzi pachaka, onani ngongole mbiri yanu. The zambiri ndichichita kwambiri chabe:

1. Choyamba muyenera kuthana mu gulu lapadera la Bank of Russia wotchedwa "chapakati Catalog KI". Iwo ayenera kudziwa za komwe kwenikweni nkhani yanu.
2. Tsopano, tumizani pempho kwa makamaka amasinthira ndi kupeza mfundo zofunika. Kamodzi pachaka, izo zikhoza kuchitidwa kwaulere.

Kodi kupeza ngongole, ndi mbiri Lisweka

Kaya mukufuna kupeza, musataye mtima. Kumbukirani, inu mukhoza kupeza kugulira nyumba. Bad ngongole mbiri kudzitama, ndithudi, sikofunika. Komatu zinthu zimene tiyenera tikonze. Kodi? Pali njira zingapo:

• kuzipeleka kwa zikalata kwa bungwe yaing'ono ndalama, onani pali kotero mosamalitsa zingachitike;
• thandizo intermediaries;
• Amaloledwa kwa zanyumba ku banki, lomwe kale kumakupatsani ngongole imodzi;
• Ngongole kwa mapulogalamu ndi;
• chilango cha pangano-kugula.

Palinso njira imene Sikuti amachita. Si chinsinsi kuti msika pali mabungwe amene ali okonzeka amalipiritsa kukonza mapepala. Kuchita izi, monga inu mukudziwa, ndi zoletsedwa. Likhoza mavuto aakulu.

Komanso m'munda wa banki kukongoza ndi zachilendo chodabwitsa ziphuphu malonda. Izi zikutanthauza kuti ena mwa antchito a mabungwe a zachuma okonzeka kutseka maso awo kwa oipa ngongole mbiri ya kasitomala. N'zoona kuti momwemo, ndi malipiro olimba. Kodi kukhazikika pa izo. zochita zimenezi ndi oletsedwa.

Kodi mungathe kukonza mbiri zoipa

Zanyumba ndi mbiri zoipa - ndi zovuta kwambiri, koma zenizeni. Kupeza zolakwa CI, mungathe kupeleka Pempho kwa kusintha. Pankhaniyi inu kutsimikizira kuti mfundo ngongole mbiri, wosadalirika ndi nkhani kukonza. cheke adzachitidwa pa ntchito yanu. Pa nthawi imeneyi, muyenera kukonzekera zikalata kufotokoza inu ngati kasitomala odalirika. wotuluka kungaphatikizepo:

• malisiti kutsimikizira udindo malipiro;
• akupanga ku mabungwe a zachuma, kupanda ngongole kwambiri;
• satifiketi kwa apolisi kuti ngongole anapereka fraudsters kuti zikalata zanu;
• zikalata zina kutsimikizira simunalakwe.

kafukufuku adzakhala anaganiza kusintha mu ngongole mbiri yanu. Ngati inu munali ndi simukugwirizana ndi zotsatira za mayeso, mukhoza kupita ku khoti komanso kuteteza ufulu wawo kumeneko.

Ngati gawo kuyan'anila wanu kunachitika, ndipo tsopano mulibe kudziwa ndi kubweza ndi zoipa ngongole mbiri, m'pofunika chitani motere. Tengani chilichonse banki yaing'ono ogula ngongole kwa ogulidwa Mwachitsanzo, zipangizo banja, ndi modekha kulipira izo. Bwerezani zimenezi kangapo. Kotero inu kukonza mbiri yanu chuma, ndi zolakwika yaing'ono kale adzakhululukira.

The ngongole kwa mapulogalamu pa

Tsopano tiyeni tikambirane za mmene angakhalire ndi kubweza ndi zoipa ngongole mbiri, ngati yolondola izo zinalephereka ndipo banki mwakhala adakana. Pankhaniyi, mungathe kuyesa kutsatira mwachindunji mapulogalamu a. Osati lalikulu kwambiri Makampani yomanga amafunika kukopa likulu lachitatu chipani. Kuchita izi, ali kuonana ndi banki cha ngongoleyo. Komabe, izi siziri choncho ndakuwonetserani, ngati inu kulipira chidwi.

More kopindulitsa njira ndi kunena ndi pang'onopang'ono kasitomala mgwirizano. Pankhaniyi, mapulogalamu limapeza ndalama zowonjezera pa ntchito yomanga ndi anthu zachilengedwe - luso kulipira mtengo wa mbali nyumba.

Pamene zoonekeratu ubwino, monga kupanda chidwi, mitengo, malipiro ziyenera ndi inshuwalansi, njira imeneyi ali ndi chidwi sangathe - ndi zonyozeka nthawi ya malipiro ndi pang'onopang'ono. Kawirikawiri gulu lirilonse angavomereze kunena mgwilizano amenewa kwa nthawi ya zaka zoposa 5. Komanso, ndinu wotsimikiza kuti amafuna mwachilungamo olimba woyamba pang'onopang'ono. Nthawi zambiri ndi za 30% ya mtengo wa nyumba.

Polumikizana banki ang'onoang'ono

Ngati inu mukudabwa za kumene kupeza kubweza ndi zoipa ngongole mbiri, kuyesa kulankhula ndi achinyamata banki kapena yaing'ono bungwe ndalama. mabungwe amenewa akumenyana aliyense kasitomala ndi zambiri kuchepetsa zofunika ofuna zanyumba.

Komanso, mabungwe zambiri ntchito akatswiri amene alibe zinachitikira okwanira m'munda wa kukongoza. Mwachidule, iwo sakudziwa basi kumene kuyang'ana, koma ndi chikhumbo chachikulu kulowa mgwirizano.

Koma njira imeneyi ali zovuta. Nthawi zambiri ndi mitengo mwachilungamo mkulu chidwi kapena imposition wa zolipira zina. Mu njira iyi, magombe waung'ono amakonda kuchepetsa chiopsezo defaults.

Chikole belo +

Njira ina mmene kupeza kubweza ndi zoipa ngongole mbiri, ndi kupereka ambiri ina zina ndi guarantors.

Popeza palibe m'modzi mabanki sakumagwira makasitomala wosadalirika, muyenera kutsimikizira anzake kuti mumamukhulupirira. Choyamba muyenera tipezekemo thandizo la munthu wopanda ndalama komanso kukhala ndi ndalama olimba. Ngakhale bwino, guarantors awa adzakhala ochepa. Pankhaniyi, ngongole zanu zoipa mbiri sadzakhala kwambiri waukulu kuyang'ana mu maso a bwana. Ndipotu mwambo kulephera kutsatira udindo wake ngongole kale amafuna co-signer.

Ngati mungathe kupereka banki ndi chinachake mtengo, inu anali ufulu chuma, nayonso kwambiri mwayi wanu chotenga kugulira nyumba. Kungakhale kanyumba, galimoto zodula, dziko kanyumba, zodzikongoletsera yakale yoyendera ndi zina zotero. Iwo ayenera kumvetsa kuti nyumba anagula kudzakhala kwambiri. Ngati inu ndithu kutsatira udindo wake, angaleke onse chikole ndi sudzasiyidwa ndi kanthu.

Kwezani kuchuluka kwa chigawo choyamba

Pafupifupi anthu onse a ngongole ya kubweza ndi chikalata ndi osachepera (pansi kuti ziro) chigawo choyamba. Choncho, ngati inu simukudziwa momwe kupeza kubweza ndi zoipa ngongole mbiri, koma muli okwanira kuchuluka kwa ndalama zilipo, yesani kukonza ngongole ndi malipiro lalikulu pansi. Ngati mukhoza kukonza pafupifupi 50% ya mtengo wa nyumba, mbiri zoipa banki zambiri salabadira. Izi zimachitika chifukwa, ngakhale simudzaliranso athe kulipira ngongole, ndi banki mosavuta kugulitsa nyumba yanu kwa theka phindu lake lenileni ndi adzapezanso ndalama.

Ife ndikaonekere Mtetezi

Nthawi zina ngongole makasitomala a mbiri okhumudwa, kuti angafunike kuti akuthandizeni kupeza zanyumba. Chifukwa chaichi pali wapadera ngongole amagulitsa ndikugula. anthu awa Nkukupatsani mndandanda a mabanki amene ali okonzeka kulankhula ndi makasitomala vuto. Pakuti surcharge, ndi wogula adzatenga zokambirana zonse ndipo pafupifupi kungakupatseni kukuuzani zanyumba. Komabe, ntchito othandizira ngati ndalama mtengo, koma nthawi zina ndi njira yokha.

Timaonetsetsa nyumba kubwereketsa

Pali wina mwachilungamo zatsopano njira Russian wa ngongole kubweza ndi mbiri Lisweka. Izi kubwereketsa nyumba. Akamanena za ndiye munthu amalowa mu pangano-kugula nyumba. Pamwezi ndalama nthawi yomweyo imakhala ya mtengo wa lendi ndipo kuchuluka kwa malipiro ngongole. mbiri Mawu mu nkhani iyi si udindo uliwonse. Ndipotu, pamaso pa malipiro a mtengo wonse wa makasitomala si mwini nyumba, ndi bungwe ndalama.