NdalamaFinance

Likulu umayi kwa ogulidwa nyumba: Mfundo

Omwe nyumba pa mphindi - ndi pafupifupi mumangire cholinga mabanja ambiri, koma apakati likulu, limene linaperekedwa ndi boma lachiwiri kapena wotsatira mwana anabadwa mu banja, akhoza kukhala thandizo mwanzeru.

likulu umayi kugula nyumba ntchito kokha akamaziwononga, zolamulidzwazo potsata malamulo. Choyamba n'chakuti satifiketi ndi chikalata adzalowa mu mphamvu pokhapokha Mwana akakwanitsa zaka zitatu. Kuyeza Pankhaniyi - kofunika ndi kumvetsa ambiri. mfundo ndi yakuti makolo pamene mwana anatengera komanso amadalira, malipiro imeneyi, koma chifukwa anthu ena oipa tingalandire zinthu ndi kusintha malo awo ndalama likuvutika aliyense wa mwana wosalakwa. likulu umayi kugula nyumba angagwiritsidwe ntchito mpaka nthawi monga mwana alibe zaka zitatu, okha nthawi zina. Tiyeni tione pa nkhani imeneyi.

Gwiritsani ntchito chikalata chifukwa akhoza kukhala pafupifupi nthawi yomweyo pambuyo pa kubadwa kwa mwana ngati:

- kupereka koyamba (chachikulu) chopereka kubweza kukongoza kapena chandamale;

- malipiro chidwi ndi malipiro chachikulu pa ngongole nyumba kapena kubweza, kale pa nthawi ya kubadwa.

Mwamsanga ndalama palibe amene anapatsidwa zikutanthauza kuti sudzapereka. likulu umayi kwa ogulidwa nyumba ntchito kuti zatchulidwa pa alipire ngongole pa pempho la makolo mwa kutengerapo. Ndipo ngati kuchuluka yaikulu sadzakhala upambana kuchuluka kwa likulu, ndalama otsala angagwiritsidwe ntchito pokhapokha nthawi imene mwana akutembenukira zaka zitatu.

Umayi likulu (mu nyumba, kapena kani, chifukwa kugula nyumba, amene kupereka) mukhonza kuwapeza m'njira zotsatirazi:

- Ngati inu kale ndi kuchuluka kwa ndalama ndi pang'ono lalifupi, ndiye, kulemba ntchito ndi kugonjera maulamuliro a Fund penshioni RF ndi zikalata zofunikira, mukhoza kupeza chofunika kuchuluka kwa ndalama kugula nyumba ndalama;

- kutenga kubweza ndi kupereka zingati koyamba ntchito kalata analandira;

- Mukhoza kugwiritsa ntchito apakati likulu kugula nyumba nkhani ya zomangamanga limodzi mu nkhani iyi, ndi kupanga ndalama zonse kapena mbali yake ngati amalipiritsa khomo;

- nawo chilungamo amadziwikanso osati lilibe, kotero inu mukhoza kugwiritsa ntchito satifiketi ngati anafotokoza.

Umayi likulu chifukwa kugula nyumba ntchito, amatipatsanso zinthu zina, mogwirizana ndi zimene zinalembedwa ndi malamulo. Monga kusintha kwa zikhalidwe ndi moyo wa satifiketi banja angagwiritsidwe ntchito kulipira kugula dziko nyumba kapena nyumba m'mudzi, koma ndi kofunika kuti nyumbayo anazindikira nyumba, amene amaganiziridwa munali palibe kumanga yotentha kapena okhetsedwa munda, ndipo ina imene mukhoza moyo mpaka kalekale . chikhalidwe china: ufulu chuma ayenera kugawidwa pakati pa anthu onse a m'banja, mwinanso m'madera ofanana, koma kwa aliyense.

Kumbukirani kuti mu 2013 kuchuluka kwa likulu umayi anakwana 408.960 rubles, ndi oyambirira 2014 izo lidzafika kale za 430 zikwi rubles. Chaka chotsatira, malamulo angathe kukonzedwa ndi zinthu pogwiritsa ntchito chosonyeza. Kotero, akufuna kulola ntchito kwa mankhwala a mwana wa maphunziro makolo, komanso mapulani kukuza mndandanda wa zinthu zimene satifiketi ntchito kugula nyumba.

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