Kusintha kwa mtengo wanyumba mu deutsch
Kukhala ndi nyumba ndi loto la anthu ambiri. Koma tinene kuti kugula nyumba sikotsika mtengo. Zimafunika ndalama zambiri zomwe ambiri aife sitingathe kupereka. Ndicho chifukwa chake ndalama zogulira nyumba zimagwiritsidwa ntchito. Ngongole zanyumba zimalola ogula kugula katundu ndikulipira pakapita nthawi. Komabe, njira yolipira ngongole sizinthu zomwe anthu ambiri amamvetsetsa.
Ngongole yobwereketsa nyumba imachepetsedwa, zomwe zikutanthauza kuti imafalikira pa nthawi yokonzedweratu kudzera mumalipiro anyumba nthawi zonse. Nthawi imeneyo ikatha - mwachitsanzo, patatha zaka 30 zobweza ngongole - ngongole yanyumba yamalipiridwa ndipo nyumbayo ndi yanu. Kulipira kulikonse komwe mumapanga kumayimira chiwongola dzanja ndi kubweza kwakukulu. Chiŵerengero cha chiwongoladzanja ndi kusintha kwakukulu kwa moyo wonse wa ngongole. Zomwe simungadziwe ndizakuti ndalama zambiri zomwe mumalipira zimalipira chiwongola dzanja chambiri kumayambiriro kwa ngongoleyo. Umo ndi momwe zonse zimagwirira ntchito.
Chiwongola dzanja ndizomwe mumalipira pa ngongole yanu yanyumba. Zimatengera chiwongola dzanja chomwe chinagwirizana panthawi yosayina mgwirizano. Chiwongoladzanja chimapezedwa, kutanthauza kuti ngongoleyo imachokera ku chiwongoladzanja chachikulu komanso chiwongola dzanja. Mitengo imatha kukhazikitsidwa, yomwe imakhala yokhazikika kwa moyo wanu wonse wanyumba yanu, kapena zosinthika, zomwe zimasintha pakapita nthawi zingapo kutengera kusinthasintha kwamitengo yamsika.
Ubwino ndi kuipa kwa ma mortgage osinthika
Ndi njira iyi yobweza ngongole ya ophunzira omwe ali ndi digiri yoyamba, mutha kulipira zambiri pamtengo wonse wangongole ya wophunzira wanu, chifukwa chiwongola dzanja chomwe simunalipidwe chidzawonjezedwa pamtengo wanu waukulu kumapeto kwa nthawi yanu yachisomo.
Lipirani chidwi chanu mwezi uliwonse mukakhala kusukulu komanso munthawi yachisomo. Chiwongoladzanja chanu cha ngongole ya ophunzira omwe ali ndi maphunziro apamwamba nthawi zambiri chidzakhala chotsika ndi 1 peresenti kusiyana ndi njira yobwezera yomwe mwabweza. Ophunzira a chaka choyamba akhoza kupulumutsa 23% 3 pa mtengo wonse wa ngongole yawo posankha njira yobwezera chiwongoladzanja m'malo mwa kubweza kochedwetsedwa.
chiwongola dzanja chokha
Popeza chiwongola dzanja ndi chofanana, mudzadziwa nthawi zonse mukalipira ngongole yanyumba Ndizosavuta kumvetsetsa kuposa kubweza ngongole yanyumba Mudzakhala otsimikiza kuti mukudziwa momwe mungapangire bajeti yolipira ngongole yanu Chiwongola dzanja choyambirira chimakhala chotsika kuposa A. Kuchepetsa kubweza kungakuthandizeni kupeza ngongole yokulirapo Ngati chiwongola dzanja chanu chikutsika ndipo chiwongola dzanja chanu chikutsika, zobweza zanu zambiri zidzapita kwa wamkulu Mutha kusinthira ku ngongole yanyumba yokhazikika nthawi iliyonse.
Chiwongola dzanja choyambirira chimakhala chokwera kuposa chiwongola dzanja chosinthika. Chiwongola dzanja chimakhalabe chokhazikika panthawi yonse ya ngongole yanyumba. Mukathyola ngongole yanyumba pazifukwa zilizonse, zilangozo zitha kukhala zazikulu kuposa kubwereketsa kosinthika.
Chitsanzo chokhazikika cha ngongole yanyumba
Mukagula nyumba, mutha kulipira gawo lina la mtengo wogula. Ndalama zomwe mumalipira ndizolipira. Kuti mupeze ndalama zotsala zogulira nyumba, mungafunike thandizo la wobwereketsa. Ngongole yomwe mumalandira kuchokera kwa wobwereketsa kuti akuthandizeni kulipira nyumba yanu ndi ngongole yanyumba.
Mukamagula ngongole yanyumba, wobwereketsa wanu kapena wobwereketsa adzakupatsani zosankha. Onetsetsani kuti mwamvetsetsa zomwe mungasankhe ndi mawonekedwe. Izi zidzakuthandizani kusankha ngongole yomwe ikugwirizana ndi zosowa zanu.
Nthawi yobwereketsa ndi nthawi ya mgwirizano wanyumba. Zili ndi zonse zomwe mgwirizano wobwereketsa nyumba umakhazikitsa, kuphatikizapo chiwongoladzanja. Migwirizano imatha kuyambira miyezi ingapo mpaka zaka 5 kapena kupitilira apo.
Obwereketsa nyumba amagwiritsa ntchito zinthu kuti adziwe kuchuluka kwa zomwe mumalipira nthawi zonse. Mukapanga ngongole yanyumba, ndalama zanu zimapita ku chiwongola dzanja ndi chiwongola dzanja. Mkulu ndi ndalama zomwe wobwereketsa wakubwereketsani kuti mulipirire mtengo wogulira nyumbayo. Chiwongola dzanja ndi ndalama zomwe mumalipira wobwereketsa pa ngongoleyo. Ngati mukuvomera inshuwaransi yobwereketsa, wobwereketsa amawonjezera ndalama za inshuwaransi pakubweza kwanu kwanyumba.
