Kodi kuwunika kumawononga ndalama zingati?
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Zopereka zomwe zikuwonekera patsambali ndi zochokera kumakampani omwe amatilipira. Kulipiridwaku kungakhudze momwe zinthu zimawonekera patsamba lino, kuphatikiza, mwachitsanzo, momwe zingawonekere m'magulu amndandanda. Koma kubweza kumeneku sikukhudza zambiri zomwe timafalitsa, kapena ndemanga zomwe mumawona patsamba lino. Sitikuphatikiza dziko lonse lamakampani kapena zopereka zandalama zomwe zingapezeke kwa inu.
Ndife odziyimira pawokha, ntchito zofananira zothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Kodi ndalama zoyeserera zimalipidwa liti?
Kugula nyumba kungakhale kosokoneza, makamaka kwa ogula koyamba omwe sanayambe adutsapo. Chimodzi mwa zinthu zomwe nthawi zambiri sizimveka bwino ndi kutseka ndalama. Ogula ambiri sadziwa zomwe ayenera kuyembekezera kapena kuchuluka kwa ndalama zomwe ayenera kulipira. Nazi mfundo zina zofunika zimene zingakuthandizeni kukonzekera.
Ndalama zotsekera zikuphatikiza chindapusa ndi ma komisheni okhudzana ndi kugula nyumba. Akhoza kulipidwa ndi wobwereketsa kapena anthu ena atatu pazithandizo zomwe zaperekedwa. Mndandandawu ukufotokoza mwachidule zina mwazofunika kwambiri komanso nthawi yomwe zikuyenera.
Ogula ayenera kudziwa kuchuluka kwa zolipiritsa zonsezi ndi ndalama zomwe zidzawononge. Ngakhale ndalama zimatha kusiyanasiyana, mutha kuyembekezera kulipira pakati pa awiri kapena asanu peresenti ya mtengo wogula. Mudzalandira kuyerekezera kwa ngongole mukatumiza, koma ndalama zenizeni zimadalira dziko ndi dera kumene kugula kumapangidwira. Musanatseke, mudzalandira Chidziwitso Chotseka, chikalata chofunikira chomwe chimapereka tsatanetsatane wangongole ndi ndalama zotsekera zenizeni.
Kodi kuyesako kulipiridwa tisanatseke?
Kuwulura: Nkhaniyi ili ndi maulalo ogwirizana, zomwe zikutanthauza kuti timalandira ntchito mukadina ulalo ndikugula zomwe talimbikitsa. Chonde onani ndondomeko yathu yowulula kuti mumve zambiri.
Ndalama zotsekera ndi gawo lofunika kwambiri panyumba zomwe ogula nyumba ayenera kukonzekera, koma amalipira ndani? Mwachidule, ndalama zotsekera za wogula ndi wogulitsa zimalipidwa potengera zomwe zili mu mgwirizano wogula nyumba, zomwe onse awiri amavomereza. Monga lamulo, mtengo wotseka wa wogula ndi wochuluka, koma wogulitsa nthawi zambiri amakhala ndi udindo wotseka ndalama zina. Zambiri zimadalira mgwirizano wogulitsa.
Ndalama zotsekera ndizo ndalama zonse ndi ndalama zomwe ziyenera kulipidwa patsiku lotseka. Lamulo lodziwika bwino ndiloti ndalama zonse zotsekera nyumba zogona zidzakhala 3-6% ya mtengo wonse wogulira nyumbayo, ngakhale izi zikhoza kusiyana malinga ndi misonkho ya malo, ndalama za inshuwalansi ndi zina.
Ngakhale ogula ndi ogulitsa nthawi zambiri amagawaniza ndalama zotsekera, madera ena apanga miyambo yawoyawo ndikugawa ndalama zotseka. Onetsetsani kuti mukulankhula ndi wogulitsa nyumba zamalonda za kutseka ndalama kumayambiriro kwa ntchito yogula nyumba, zomwe zingakuthandizeni kukambirana ndi ogulitsa. Kenako tidzakupatsani malangizo pa izi.
Mtengo wakunyumba pafupi ndi ine
Kaya mukugula nyumba kapena mukubweza ngongole yanu yobwereketsa, kuwunika kwanyumba kungakhale ndi gawo lofunikira pakukonza. Kumvetsetsa kuchuluka kwa katundu ndi mtengo wake ndikofunikira kuti mupange zisankho zomwe zingakuthandizeni kuti mukwaniritse bwino zachuma.
Kayezedwe ka nyumba ndi njira yodziwika bwino yomwe woyesa nyumba amatsimikizira mtengo wamisika wanyumba. Kuyang'anira nyumba kumapereka malingaliro osakondera a mtengo wamtengo wapatali poyerekeza ndi nyumba zomwe zagulitsidwa posachedwa m'dera lomwelo.
Mwachidule, kuyesa kuyankha funso lakuti "nyumba yanga ndi ndalama zingati?" Amateteza wobwereketsa ndi wogula: obwereketsa angapewe ngozi yobwereketsa ndalama zambiri kuposa momwe angafunire, ndipo ogula angapewe kulipira ndalama zambiri kuposa mtengo weniweni wa nyumbayo.
Kawirikawiri, kuyesa kwa banja limodzi kumawononga pakati pa $300 ndi $400. Magulu a mabanja ambiri amatenga nthawi yayitali kuti awonedwe chifukwa cha kukula kwawo, zomwe zimapangitsa kuti mtengo wawo ukhale pafupi ndi $600. Koma ndikofunikira kukumbukira kuti mtengo woyezera nyumba umasiyana mosiyanasiyana kutengera zinthu zingapo:
