Mtengo wa magawo Handelsbanken
Ngati nyumbayo ndi yomanga yatsopano ndipo idzagwiritsidwa ntchito ngati nyumba ndipo ndinu oyenerera kugula nyumba koyamba (munthu yemwe sanakhalepo ndi chiwongola dzanja m'nyumba mwake m'mbuyomu), mutha kukhala oyenerera kulandira mapulani ogulira mpaka 10. % ya mtengo wogula - 30.000 euros!
Chofunika koposa, muyenera kuwonetsanso kuti mutha kubweza ngongole yanyumba kuti mupeze ngongole yanyumba iyi. Tiyerekeze kuti ngongoleyo ndi ya zaka 30; ndalama zokhazikika zidzakhala ma euro 1.066 pamwezi. Tidzaunikanso ndalama zanu mwatsatanetsatane kuti tiwonetsetse kuti, kutengera ndalama zomwe mwasunga komanso zolipira lendi (ngati mukubwereketsa), mutha kulipira ndalamazi, kuphatikiza 25%, i.e. chiwongola dzanja.
Mtengo wa magawo Handelsbanken
Ndalama ndizofunikira kwambiri pabizinesi iliyonse, chifukwa zimakwaniritsa kufunikira kwa ndalama munthawi yochepa komanso yayitali. Sizingatheke kuti mwiniwake apereke ndalama zonsezo yekha, choncho amabwereka ngongole ndi kubweza ngongole. Ngongole imatanthawuza ngongole yoperekedwa ndi bungwe lazachuma kwa nthawi inayake, pomwe zotsogola ndi ndalama zoperekedwa ndi mabanki kukampani kuti zikwaniritse zosowa za ndalama zogwirira ntchito zomwe ziyenera kulipidwa pasanathe chaka.
Ngongoleyo iyenera kubwezeredwa pamodzi ndi chiwongola dzanja, kaya ndi ndalama zonse kapena pang'onopang'ono. Itha kukhala ngongole yanthawi yayitali (yolipidwa pakadutsa zaka 3) kapena powonekera (yolipidwa mkati mwa zaka zitatu). Momwemonso, kupita patsogolo kumafunanso kubweza pamodzi ndi chiwongola dzanja mkati mwa chaka chimodzi. Mawu awiriwa nthawi zonse amatchulidwa mofanana, koma pali kusiyana kosiyana pakati pa ngongole ndi zopititsa patsogolo zomwe tapenda m'nkhani yotsatira.
MeaningFunds zobwerekedwa ndi bungwe kuchokera ku bungwe lina, zomwe zimabwezedwa pakapita nthawi yomwe zimakhala ndi chiwongoladzanja, zimatchedwa Loans.Ndalama zoperekedwa ndi banki ku bungwe pazifukwa zinazake, kuti zibwezedwe pakapita nthawi yochepa yotchedwa Loans. Zopita patsogolo.
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Kusinthana kwangongole (CDS) ndi mgwirizano wosinthana pomwe wogulitsa ma CDS amalipira wogula ngati wabweza ngongole (ndi wobwereketsa) kapena zochitika zina zangongole[1] Ndiko kuti, wogulitsa ma CDS amatsimikizira wogula motsutsana ndi kusakhazikika kwazinthu zina zolozera. Wogula wa CDS amapereka malipiro angapo (CDS "commission" kapena "kufalikira") kwa wogulitsa ndipo, pobwezera, angayembekezere kulandira malipiro ngati katunduyo akulephera.
Zikachitika kuti zalephera, wogula wa CDS amalandira chipukuta misozi (kawirikawiri mtengo wake wangongole), ndipo wogulitsa ma CDS amatenga ngongole yomwe walephera kubweza kapena mtengo wake wamsika. Komabe, aliyense atha kugula CDS, kuphatikiza ogula omwe alibe chida chobwereketsa ndipo alibe chiwongola dzanja chachindunji pa ngongoleyo (awa amatchedwa "maliseche" CDS). Ngati pali mapangano ochulukirapo a CDS omwe atsala kuposa omwe ali ndi ma bond, pali ndondomeko yogulitsa malonda a ngongole. Ndalama zomwe amalandila nthawi zambiri zimakhala zocheperapo poyerekeza ndi mtengo wangongole[2].
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Ngati mukuganiza za eni nyumba ndikudabwa momwe mungayambire, mwafika pamalo oyenera. Pano tikambirana zofunikira zonse za ngongole zanyumba, kuphatikizapo mitundu ya ngongole, zolemba zanyumba, njira yogulira nyumba, ndi zina zambiri.
Pali zochitika zina zomwe zimakhala zomveka kukhala ndi ngongole panyumba panu ngakhale mutakhala ndi ndalama zolipirira. Mwachitsanzo, katundu nthawi zina amabwerekedwa kuti amasule ndalama zamabizinesi ena.
Ngongole zanyumba ndi ngongole "zotetezedwa". Ndi ngongole yotetezedwa, wobwereka amalonjeza chikole kwa wobwereketsa ngati atalephera kulipira. Pankhani ya ngongole, chitsimikizo ndi nyumba. Ngati mukulephera kubweza ngongole yanu, wobwereketsayo atha kutenga nyumba yanu, mwanjira yomwe imadziwika kuti kutseka.
Mukalandira ngongole, wobwereketsa wanu amakupatsani ndalama zina zogulira nyumbayo. Mukuvomera kubweza ngongoleyo - ndi chiwongola dzanja - pazaka zingapo. Ufulu wa wobwereketsa panyumba umapitilirabe mpaka ngongoleyo italipidwa mokwanira. Ngongole zobwezeredwa mokwanira zimakhala ndi nthawi yolipira, chifukwa chake ngongoleyo imalipira kumapeto kwa nthawi yake.
