Kodi ndingabwezere bwanji chiwongoladzanja changa? Zida, zosankha, zochitika

Onse amene anagula nyumba za ngongole, amadabwa: kulipira mwamsanga Kugulitsa? Inde, pafupifupi pafupifupi munthu aliyense nkhaniyi ndi yamaganizo. Zindikirani ndi kuvomereza kuti kwa zaka zambiri, wobwereka adzalipira ngongoleyo ndizovuta kwambiri.

Malipiro a mwezi ndi mwezi, malipiro a kuonjezera kwa inshuwalansi ndi zina zomwe zimaperekedwa ku nyumba zatsopano zimakhala ndi chikhumbo cholipira ngongole mwamsanga.

Ndondomeko yamalipiro ya mwezi uliwonse

Ngakhale pulogalamu ya pulogalamu inayake yopindulitsa imatsimikiziridwa osati kokha ndi ndalama zabwino pachaka komanso nthawi yabwino yokongoletsera, komanso ndi kusankha njira imodzi yobwezera.

Pulogalamu ya Annuity

Kukulolani kuti mupereke malipiro a mwezi uliwonse ndi ndalama zofanana mu moyo wa ngongole. Koma musaganize kuti malipirowa ali ndi theka laling'ono: ngongole yaikulu ndi chidwi chogwiritsira ntchito.

Mwachitsanzo, mgwirizano wa ngongole ndi wa zaka 20-25, ndipo kwa zaka 13-15, pafupifupi malipiro onse a mwezi uliwonse amakhala ndi chidwi, komabe thupi la ngongole lidzasinthidwa pang'ono. Kodi mwamsanga mungabwezere bwanji ngongole ya annuity scheme? Palibe njira. Bankiyo ngakhale ndiyeso ya kubwezera koyambirira kwa ngongole ikufuna chidwi chake kwa wobwereka. Potero, muteteze nokha kuwonongeka ndi kupereka ndalama zambiri.

Cholinga chosiyana

Malipiro amwezi ndi osagwirizana. Malipiro oyambirira ndi aakulu, koma amachepetsa pang'onopang'ono ndipo samalemerera kwambiri wobwereka. Ndipo ngati wobwereka akuganiza kale kuti azilipira mwamsanga kubwereketsa, ndiye kuti njirayi ndi yabwino kuti agwiritse ntchito.

Malipiro osiyanitsa ali ndi ziwalo zofanana za thupi la ngongole ndipo amapeza chiwongoladzanja. Ndipo ngati ngongole ikubwezeredwa patsogolo pa ndandanda, kuchepa kwakukulu kwa ndalamazo kumachitika.

Kulipira malipiro a mwezi uliwonse kwa pafupifupi onse obwereka ndi ntchito yosatheka, choncho, malipiro a pachaka amasankhidwa . Pambuyo pake, mabanki ambiri sapatsa munthu wobwereka ufulu wosankha, mwachindunji pogwiritsa ntchito ndondomeko ya annuity.

Pamene ngongole ikubwezeredwa ndi ndondomeko ya annuity m'zaka 10-15 zoyambirira kutsogolo kwa pulogalamu, kuchuluka kwa ngongole yaikulu sikusintha kwambiri. Ndi dongosolo losiyana, mukhoza kulipira mwamsanga nthawi iliyonse. Ndikofunika kulingalira mosamala mapulani omwe akufunidwa kuti muwone nthawi zonse. Ndipotu, pokonza ngongoleyo, simungasinthe chilichonse.

Kubwezeretsanso - njira yothetsera ngongole mwamsanga

N'zotheka kugwiritsa ntchito mapulojekiti oyeretsera osati ngati sangathe kulipira ngongoleyo mtsogolo. Ngongole yomwe imatulutsidwa kubanki ina kuti ikhoze kubweza ngongole ikhoza kuchepetsa nthawi yolipira. Chosowa chachikulu chokha cha kubwezeretsa ndi kutuluka kwa ufulu ku nyumbayi monga gawo lachilendo (Chaputala 4 ndi Chaputala 6 cha Chilamulo "Pa Kugulira Ngongole").

Ngati wobwereka agwiritsanso ntchito kubwezeretsa nyumba kuti asunge nyumbayo, ndiye kuti izi siziyenera kuchitika. Nyumba zothandizira ngongole ndi refinancing zidzagwiritsidwa ntchito ngati ndalama. Kawirikawiri, wobwereka, ngati ngongoleyo ya ngongole yake siiliposa ma ruble 700,000, ndi bwino kupeza ngongole ya ogula ndikutseketsa ngongole yotsalayo.

Zomwe mabanki akubwezera kubwezeredwa koyamba

Musanayambe kubweza ngongoleyo, muyenera kuphunzira gawoli pa mgwirizano wa ngongole kuti mumvetsetse kuti zingakhale zopindulitsa bwanji. Lamulo "Kutetezera Ufulu wa Ogula" liri ndi nkhani yomwe ikutsatila kuti banki alibe ufulu wokweza malipiro ake kubwezeredwa koyambirira, chifukwa ichi chikuphwanya ufulu wake monga wogula. Muzojambula. 810 ya Civil Code imanena kuti wobwereka akhoza kubwezera ngongoleyo nthawi yambiri, koma ndi chilolezo cha wobwereketsa. Panthawi imodzimodziyo, funsoli lidalibe ngati banki ili ndi ufulu wokhometsa ntchito yowonjezerapo ya kubwezera koyambirira kwa wobwereka.

Mchitidwe wamakhalidwe pa mutu uwu uli ndi zothetsera pamene onse wobwereka ndi wobwereketsayo apindula. Mabanki ena amafuna kuti wobwereka awadziwitse m'kalata za mwezi umodzi pasanafike tsiku loyembekezeredwa la kubwezeredwa kwathunthu kwa ngongole.

Kodi n'zotheka kubweza ngongole yokhala ndi kholo lalikulu?

Choyamba chobwezera kubweza ngongole yobwerekedwa ndi chithandizo cha kholo lalikulu chidzabweretsa ndi pempho la ndalama za Pension kuchokera kwa mwini chiphaso. Icho chimasonyeza deta yonse ya mwiniwakeyo, ndipo imafotokozanso zomwe zakonzedweratu kugwiritsira ntchito ndalama. Ntchitoyi iyenera kuphatikizapo mapepala okhala ndi:

• Sitifiketi cha ndalama zazikulu zobereka;
• Pasipoti ya wogulitsa;
• Zikalata za mgwirizano wa ngongole;
• Chiphaso chochokera ku banki, chomwe chimasonyeza kuchuluka kwa chiyero ndi chidwi chogwiritsa ntchito ngongole;
• Mapepala a chilembetsero cha boma cholembetsa ufulu wa malo ogulitsa;
• Cholembedwa chotsimikiziridwa ndi notarially chomwe wobwereketsa akupereka kugawa magawo kwa ana ndi okwatirana m'nyumba zopezeka.

Ngati ngongole imaperekedwa kwa wokwatirana / mwiniwake wa kalatayi, m'pofunikanso kuwonjezera pasipoti yake ndi chikwati cha ukwati.

Pamene Ngongole ya Pension imapanga chisankho chabwino mkati mwa miyezi iwiri kuyambira tsiku loperekedwa, ndalama zidzatengedwa ku akaunti ya wogulitsa. Njirayi imayankha yankho lolondola ku funso ngati kuli kotheka kulipira ngongole yokhala ndi kholo lalikulu.

Kuchotsa msonkho kwa misonkho ndi ndalama za ndalama

Mothandizidwa ndi msonkho wogulitsa msonkho, mungathe kubweza ngongoleyo kapena kubweza ngongoleyo. Nzika iliyonse ya Russian Federation ili ndi ufulu, pakupeza katundu weniweni, kuti athe kubwezera misonkho yomwe yaperekedwa kale. Uku ndiko kuchotsedwa kwa katundu. Ndalama ya ngongole imakhala 13%. Wokongolayo ali ndi ufulu wolandira msonkho wogulitsa msonkho, womwe suposa 2 rubles miliyoni.

Konzani, pitirizani ndi kusunga

Ngati wobwereka adagwiritsa ntchito njirazi, koma akupitirizabe kuzunzidwa ndi funso la momwe angabwezere ngongole mwamsanga, mukhoza kugwiritsa ntchito malangizo awa.

Ndikofunika kufufuza mosamala ndalama ndi ndalama zomwe mwalandira. Poyang'ana zomwe mumagula, muyenera kusankha zomwe mungakane, kuti ndalamazo zisungidwe zingatumizedwe mwezi uliwonse kuti mubwezere ngongole. Mwachitsanzo, asiye kumwa khofi kumagetsi ogulitsa zakudya ndikudyera pagulu. Ndipo musagule mitundu yambiri yosafunikira.

Kodi ndingabwererenso bwanji ngongoleyo isanakwane?

Njira ina yothetsera ngongole mwamsanga ikugwira ntchito yowonjezera. Mungathe kuphunzitsa kapena kufunsa, kulembera malemba kapena kupanga.

Ndipo ngati muwonjezeranso 10% pa malipiro a mwezi uliwonse, zimakuthandizani kuti muyankhe moyenera ku funso ngati kuli kotheka kubwezera ngongole isanakwane. Afunika kudziwa chiwembucho, zomwe malipirowo angapangidwe molondola. Chitsanzo, pokhala ndi ngongole zambiri (ngongole ya ogula, khadi la ngongole), wobwereka ayenera kulipira ngongole yaing'ono kwambiri. Pa nthawi yomweyi kulipiritsa mwezi uliwonse kwa ngongoleyi, muyenera kuwonjezera 10% ndipo musaiwale za kulipira ena. Pitani kuchokera kuzing'ono mpaka zazikulu. Pambuyo pa ngongole zina zitatsekedwa, ndalama zambiri zaulere zidzawoneka, zomwe wobwereka ayenera kutumiza kukabwezera ngongole. Kuwonjezeka kotereku kudzatithandizanso kuti muthe kulipira ngongole.

Kodi mumalipira ngongole yotani pa ngongole?

Pokhala ndi ngongole zingapo, zingakhale zopindulitsa kwa wobwereka kulipira poyambazo ngongole zomwe zapadera kwambiri pachaka. Ndikoyenera kukumbukira kuti pa ngongole zonse, muyenera kulipira malipiro a mwezi ndiwathunthu. Musalole mapangidwe amalipiritso ndi zilango: chifukwa izi ndizofunikira zosafunika, ndipo chifukwa chake, kuchedwa kwa kulipira ngongole yaikulu - kubweza ngongole.

Pokhala mutapereka ngongole zowonjezereka kwambiri, muyenera kuyamba kupereka ngongole zing'onozing'ono ndipo panthawi ina, mutumizireni ndalama zonse zogulira ndalama.

Inshuwalansi za ndalama

Wokongola akukakamizidwa ndi lamulo kuti atsimikizire malo omwe amapeza, komanso thanzi lake ndi moyo wake. Kodi n'zotheka kubweza ngongole pasanapite nthawi ndi chithandizo cha inshuwalansi? Mwinanso, mukhoza kuthetsa mgwirizano wa inshuwalansi mutatha kulembapo ngongole. Koma izi ziyenera kuchitidwa ngati wobwereka ali ndi chidaliro chonse kuti pambuyo pa sitepe imeneyo banjayo idzafuna kuti abweze ngongoleyo asanafike. Koma ngati malamulo a mgwirizano sapereka ngongole yoyamba ya ngongole yotsalayo, ndiye kuti bwerero ili lidzapangitsa banki kuti lipereke chigamulo cha milandu kukhoti. Pambuyo pake, izi ndi kuphwanya pangano la ngongole.

Mukamaliza mgwirizano wa ngongole, m'pofunika kudziwa pasadakhale nthawi yomwe wogulitsa ngongole amamupempha kuti ateteze katundu. Ngati mgwirizano ukuwonetsa kuti inshuwalansi iyenera kukhazikitsidwa kwa nthawi yonse ya ngongole, ndiye pa nkhaniyi, simungayembekezere kupulumutsa.

Koma ngati mgwirizanowo umanena kuti wobwereka akufunika kuti azipempha inshuwalansi kamodzi, izi zidzasankhidwa kuti azilipira mwamsanga kubwereketsa.

Inshuwalansi imaperekedwa kwa zaka 1 mpaka 5. Pambuyo pomaliza mgwirizano wa inshuwaransi, iyenera kukhazikitsidwa. Koma ngati mgwirizanowo sukunena kuti inshuwalansi ikufunika kuti iwonjezedwe, wobwereka sakuyenera kuchita izi. Pambuyo pake, palibe chinthu choterocho mu chikalata chosaina.