Renti ndi mwayi wogula mietkauf
Mutha kukhala mwini malo obwereketsa, kapena kubwereketsa nyumba yanu ngati "mwini mwangozi" chifukwa mudalandira cholowa, kapena chifukwa simunagulitse katundu wakale. Kaya zinthu zili bwanji, onetsetsani kuti mukudziwa udindo wanu wachuma.
Ngati muli ndi nyumba yobwereketsa, m'malo mogula ngongole, muyenera kuuza wobwereketsa ngati wina yemwe si inu adzakhale komweko. Izi zili choncho chifukwa ngongole zanyumba sizikulolani kuti mubwereke malo anu.
Mosiyana ndi ngongole zogulira nyumba, mapangano a chilolezo chobwereketsa amakhala ndi nthawi yayitali. Nthawi zambiri amakhala kwa miyezi 12, kapena ngati muli ndi nthawi yokhazikika, ndiye kuti zitha kukhala zothandiza ngati yankho kwakanthawi.
Ngati simuuza wobwereketsayo, zotsatira zake zimakhala zazikulu, chifukwa zitha kuonedwa ngati chinyengo cha ngongole. Izi zikutanthauza kuti wobwereketsa wanu angafunike kuti mulipire ngongole yanu nthawi yomweyo kapena kuyika chiwongola dzanja pamalowo.
Eni nyumba sangathenso kuchotsera chiwongola dzanja chanyumba ku ndalama zobwereka kuti achepetse misonkho yomwe amalipira. Tsopano alandila ngongole yamisonkho kutengera chiwongola dzanja cha 20% pamalipiro awo anyumba. Kusintha kwa lamuloli kungatanthauze kuti mudzalipira msonkho wochulukirapo kuposa kale.
Mapulagini obwereketsa
Kubwereketsa nyumba yanu, kapena chipinda, kungakhale njira yabwino yopezera ndalama zowonjezera. Koma mwina mukuganiza kuti: Kodi ndingabwereke nyumba yanga ngati ndili ndi ngongole yanyumba? Zimatengera. Simungathe kubwereka nyumba yanu ndi ngongole yanu yamakono ngati wobwereketsa sakuloleza kapena ali ndi zofunikira zokhalamo.
Mafunso amasiyana: Kodi ndingabwereke nyumba yanga ndi ngongole yanyumba? Kodi muyenera kusintha ngongole yanyumba kuti mubwereke nyumbayo? Ndipo yankho likhoza kukhala losokoneza chifukwa palibe lamulo lachidziwitso lomwe limagwira ntchito pazochitika zonse ndi onse obwereketsa.
Mukalandira ngongole, wobwereketsa amafuna kudziwa momwe mukufuna kugwiritsa ntchito malowo. Ngati mutenga nokha, zimakhala ndi chiopsezo chochepa kusiyana ndi munthu amene akufuna kuzigwiritsa ntchito ngati malo ogulitsa ndikubwereketsa. Pachifukwa ichi, ngongole za eni ake nthawi zambiri zimakhala ndi malipiro ochepa, zimakhala zosavuta kuzipeza, komanso zimapereka chiwongoladzanja chochepa.
Mukalandira ngongole yanu yanyumba, muyenera kukhala oona mtima pa zolinga zanu za malowo kapena mutha kuimbidwa mlandu wachinyengo chokhalamo. Koma chimachitika ndi chiyani ngati poyamba mukukonzekera kukhala panyumba ndipo mapulani anu asintha?
kubweza ngongole
Ngati muli ndi nyumba yanu koma momwe mulili panopa simungakwanitse kulipira ndipo simungapeze malo okhalamo otsika mtengo, mungakhale ndi nkhawa kuti mudzataya katundu wanu. Pali zifukwa zingapo zomwe mungadzipezere mumkhalidwe wotero, monga kugwa kwachuma, kusintha kwa moyo wabanja, kupuma pantchito, ngakhale mikhalidwe yapadera.
Izi zimasiya zosankha zochepa za eni nyumba pamphepete mwa kusakhulupirika. Koma mutha kutembenuza script pochita lendi nyumba yanu ndikupeza ndalama ndikusungabe umwini wanyumba yanu. Ndi zotheka? Kumene. Ndi zophweka? Monga zosankha zambiri zachuma zokhudzana ndi nyumba, ayi. Koma ngati mukudziwa zimene mukuchita, onetsetsani kuti mwakonzekeratu ndi kusankha bwino anthu okhala m’nyumba mwanu komanso kwa nthawi yaitali bwanji. Kupeza njira yoyenera yochitira lendi nyumba yanu kungakhale kopindulitsa kwa inu ndi wobwereketsa wanu.
Mosiyana ndi momwe mungaganizire, mwina pakufunika kuti nyumba yanu ibwereke kuposa momwe mukuganizira. Chiyambireni mliriwu, obwereketsa ambiri akufunafuna nyumba za mabanja osakwatiwa m'malo mokhala ndi anthu ambiri m'matauni. Malinga ndi US Census Bureau, chiwerengero cha anthu obwereketsa m'gawo loyamba la 2022 chinali 5,8%, kuchokera pa 5,6% ya kotala yapitayi.
Lenditsani ku Germany
Kaya ndinu eni nyumba koyamba kapena mukukulitsa mbiri yanu yanyumba, ngongole yathu yanyumba imakuthandizani kapena bizinesi yanu kugula malo omwe mumabwereketsa kwa alendi ena. Tili ndi mitundu ingapo ya ngongole zanyumba zogulira nyumba, kuphatikiza mtengo wokhazikika komanso mtengo wosinthika. Titha kukupatsirani chigamulo changongole pasadakhale, kutengera mtengo, kuyenerera ndi kuthekera kobwereketsa kwa malo omwe mukufuna kugula.
Ndi ngongole yogulira nyumba yokhazikika, chiwongoladzanja chidzakhala chofanana kwa nthawi inayake, mwachitsanzo, zaka 5 kapena 10. Ubwino wa chiwongola dzanja chokhazikika ndikuti zimakuthandizani kuti mupange bajeti mosavuta, popeza chiwongola dzanja chidzakhala chimodzimodzi nthawi yonse ya mgwirizano. Komabe, ngati musiya ngongole yanyumba nthawi yokhazikika isanathe, mutha kulipiritsidwa ndalama zobweza msanga. Mitengo yoyambira pa ngongole zanyumba zokhazikika nthawi zambiri imakhala yokwera kuposa yamtengo wosinthika kapena wobwereketsa wotsatira. Pansipa mutha kudziwa zambiri zamitengo yokhazikika yogulira nyumba yomwe timapereka.
