Ndimalandira 25k pachaka ndingagule nyumba
3. Kubwereketsa Kusiyanitsa kwakukulu kumapangidwa pakati pa kubwereketsa kwanthawi yokhazikika komanso kosatha, ngakhale ku Germany mapangano otseguka ndi okhazikika. Mapangano ambiri obwereketsa nyumba ndi mapangano achitsanzo, kuchuluka kwake komwe kumasiyanasiyana ndipo sikumagwira ntchito nthawi zonse pazochitika za lendi.
Mndandanda wa lendi: Musanasaine pangano, muyenera kuonanso chipinda chilichonse ndi eni nyumba, kukambirana za kukonzanso zotheka ndi kuona mmene zotenthetsera, zipangizo zamagetsi, mapulagi, ndi zina zotero. Ngati zolakwikazo zikuwonekera musanasamuke, ziyenera kudziwika mu protocol (Moving-in protocol). Ngati muona kuti pali zofooka mutangosamuka, chonde dziwitsani mwiniwakeyo polemba kalata mwamsanga momwe mungathere.Mchitidwe womwewo uyenera kuchitidwa pochoka m'nyumbayo ndipo mkhalidwe wa nyumbayo uyenera kulembedwa mu protocol (Exit Protocol).
4. Ndalama yobwereketsa nthawi zambiri imavomerezedwa mu mgwirizano wobwereketsa. Kuchuluka kwa ndalamazo kungakambirane. Depositi ikhoza kukhala yobwereketsa 3 (yobwereketsa pamwezi popanda ndalama zowonjezera) Ndalama yobwereketsa imasamutsidwa kuchoka kwa mwini nyumba kupita kwa eni ake. Wobwereketsa atha kulipira ndalamazo mu magawo atatu pamwezi. Gawo loyamba liyenera kulipidwa kumayambiriro kwa renti. Mwini nyumbayo ayenera kulekanitsa ndalamazo kuchokera kuzinthu zina muakaunti yapadera (akaunti ya depositi). Njira zina zachitetezo zitha kugwiritsidwa ntchito, koma ziyenera kuvomerezana pakati pa wobwereketsa ndi eni nyumba. Mwachitsanzo, mutha kugwiritsa ntchito chitsimikizo cha banki, kupanga bukhu losunga ndalama limodzi, bukhu la ndalama zokhala ndi chidziwitso cha block... Kontrakiti ikatha, wobwereketsa ayenera kubweza ndalamazo ndi chiwongola dzanja chomwe wapeza pakadali pano ngati sichoncho. ali ndi zonena zambiri motsutsana ndi lendi.
Kodi mumapeza ndalama zingati pa ola kuti mugule nyumba
Poyerekeza pakati pa mayiko osiyanasiyana, sizokayikitsa kuti mitengo ndi imodzi mwazinthu zofunika kwambiri. Momwemo, Spain ikuwoneka ngati njira yabwino kwambiri. Koma kodi zimenezo n’zoona? Kodi gawo la Spain ndi lotsika mtengo monga momwe anthu amaganizira? Musanasamukire kudziko lililonse, muyenera kuyankha mafunso awa, choncho m'nkhaniyi tiona mtengo wa moyo ku Spain. Tiwunikanso ndalama zazikuluzikulu ndi mitengo kuti muthe kuyerekeza bwino zomwe ndalama zanu zamwezi pamwezi zizikhala ngati kusamukira kuno.
Ndikokwanira kufananiza ndi mizinda ina yaku Europe kuti mudziwe yankho. Spain, kwenikweni, si dziko lokwera mtengo kukhalamo. Ngakhale kuti m'madera mwawo muli kusiyana kosiyanasiyana, anthu ambiri ochokera kunja amasangalala ndi dzikoli chifukwa amatha kupeza chakudya ndi zosangalatsa pamtengo wotsika kwambiri. $10.000 zocheperapo mulingo wapakati wa OECD (pafupifupi €20.000). Kukhala ndi malipiro otsika, kuphatikizapo kuchuluka kwa ulova kuposa ku Ulaya konse, kumathandiza kumvetsa chifukwa chake mitengo yamakono ili yotsika kwambiri. . Zachidziwikire, malangizo ndi kufananitsa kwamitengo komwe tipereka m'nkhaniyi ndizochitika zenizeni. Kutengera ndi moyo wanu komanso zochita zanu, mitengo imatha kukwera pang'ono.
Kodi ndingapeze ngongole yanyumba ndikupeza $40.000 pachaka?
Tsopano popeza mgwirizano wokhazikika wazaka zisanu watha, mukufuna kubwereketsa ndi ngongole yanyumba yokhazikika. Kuyambira pamenepo mwalipira ndalama zokwana £40.000 zangongole yaikulu - kotero muli ndi ngongole kwa wobwereketsayo £320.000 - ndipo nyumba yanu yakwera mtengo kufika pa £420.000. ndi £320.000 ya capital-, mungakhale ndi LTV ya 100.000% yokha. Komabe, ngongole yobwereketsa ya 76% imakhala ndi chiwongola dzanja chofanana ndi 76% yobwereketsa ngongole. Njira ina ndiyo kuyesa kupeza ngongole yanyumba yokhala ndi chiwongola dzanja chokwera pang'ono.
ndingapeze ngongole pa 20k pachaka
Zikomo chifukwa cha zambiri zakuchotsera msonkho. Zimenezi zingatithandize kusunga ndalama zambiri. Zikuoneka kuti aliyense akunena kuti tiyenera kupita. Inenso ndikuganiza choncho, koma mkazi wanga amazengereza kwambiri, zomwe ziri ngati zoseketsa chifukwa ankakhala ku Germany ali wamng'ono ndipo banja lake limakhala kumeneko. Ndikuganiza kuti ali ndi nkhawa kuti kuchokako kudzatibwezera m'mbuyo zinthu zina zomwe tikufuna kuchita m'zaka 5 kapena 6 zikubwerazi, monga kuyamba banja ndi kuyamba kuthetsa. Ndamuuza kuti ndife achichepere ndipo tilibe maudindo ambiri, kupatula agalu athu awiri ndi kalulu wake (Sindimakonda kalulu ameneyo, aliyense akufuna?). Ndikuganiza kuti tiyenera kuchita china chake chapadera pomwe tili ndi mwayi tisanakhale ndi ana ndi nyumba ndi zinthu zonse. Chonde sungani ndemanga zikubwera. Ndiwothandiza kwambiri.
Cubie, bwanji kubwera ku Germany kukulepheretsani kukhala ndi banja? Palibe malo abwinoko ochitira izi kuposa Germany. US ndi malo opanda chifundo kwa achichepere ndi achikulire kwambiri, zili ndi inu kuti muzipeza zosowa zanu. Pali machitidwe othandizira pano, ngakhale ndichifukwa choti banja lanu lili pafupi, mudzakhala patsogolo pamasewerawa.
