Ini ndinotambira 25k pagore ndingatenga imba here
3. Kukweretesa Musiyano wakakosha unoitwa pakati penguva yakatarwa uye yenguva isingagumi-yenguva yekurenda, kunyangwe muGermany zvibvumirano zvakavhurika ndizvo zvinowanzoitika. Zvibvumirano zvakawanda zvekurenda zvekugara zvibvumirano zvemuenzaniso, chiyero chazvo chinosiyana uye hachiwanzoshanda kune imwe neimwe mamiriro ekurenda.
Rondedzero yekurenda: Usati wasaina chibvumirano, unofanirwa kuongorora kamuri yega yega nemuridzi wemba, kurukura nezve gadziridzo inobvira uye tarisa kushanda kwekudziya, midziyo yemagetsi, mapulagi, nezvimwe. Kana zvikanganiso zvichionekwa zvisati zvaitika, zvinofanirwa kucherechedzwa muprotocol (Moving-in protocol). Kana ukaona pane zvisina kumira zvakanaka mushure mekugara, ndapota zivisa muridzi wemba nekukasika.Nzvimbo imwe chete inofanira kuitwa paunobuda mufurati uye mamiriro eimba yacho inofanira kunyorwa muprotocol (Exit Protocol).
4. Mari yekurenda inowanzobvumirana muchibvumirano chekurenda. Nhamba yedhipoziti inogona kutaurirana. Dhipoziti yacho inogona kukwirisa 3 net rendi (rendi dzepamwedzi pasina imwe mari yekuwedzera). Mari yekuroja inotamiswa kubva kumuridzi kuenda kumuridzi. Muroja anogona kubhadhara dhipoziti muzvikamu zvitatu zvepamwedzi. Mari yekutanga inofanira kubhadharwa pakutanga kwekurenda. Muridzi wemba anofanira kupatsanura dhipoziti yemari kubva kune zvimwe zvinhu zvake muakaundi yakakosha (deposit account). Dzimwe nzira dzekuchengetedza dzinogona kushandiswa, asi dzinofanirwa kubvumirana pakati pemuridzi nemuridzi wemba. Semuenzaniso, unogona kushandisa garandi yebhangi, kugadzira bhuku rekuchengetedza mari pamwe chete, bhuku rekuchengetedza rine chiziviso chebhuroko... Kana kondirakiti yangopera, muridzi wemba anofanira kudzosera mari yacho pamwe nemubereko waunenge wawana panguva ino kana zvisiri. ane zvimwe zvinopomerwa muroja.
Iwe unofanirwa kuwana marii paawa kutenga imba
Pose pakuenzanisa pakati penyika dzakasiyana, hazvirambike kuti mitengo ndeimwe yezvinonyanya kufunga. Mupfungwa iyoyo, Spain inoita seyakanyanya kunaka sarudzo. Asi izvozvo ndezvechokwadi here? Nharaunda yeSpanish yakachipa here sekufunga kunoita vanhu? Usati watamira kune chero nyika, iwe unofanirwa kukwanisa kupindura iyi mibvunzo, saka mune ino chinyorwa tichatarisa mutengo wekugara muSpain. Isu tichaongorora mari huru nemitengo kuitira kuti iwe uve nefungidziro yakanaka yekuti mari yako yepamwedzi ichave yei seexpat unogara pano.
Zvakakwana kuenzanisa nemamwe misoro yeEurope kuziva mhinduro. Spain, kazhinji, haisi nyika inodhura yekugara mairi. Kunyangwe paine misiyano yakasiyana-siyana mukati mematunhu avo, vazhinji vekune dzimwe nyika vanokwanisa kunakidzwa nenyika nekuti vanokwanisa kuwana chikafu nekutandara nemutengo wakachipa. $10.000 yakaderera pane yeavhareji yeOECD nhanho (yakatenderedza €20.000). Chokwadi chekuva neavhareji yemuhoro yakaderera, yakasanganiswa nehuwandu hwekushaikwa kwemabasa kupfuura muEurope yese, zvinobatsira kunzwisisa kuti nei mitengo yemazuva ano yakaderera.Saka mupfungwa iyoyo, semutorwa, uchaona kuti Spain inotengeka . Ehe, iyo nhungamiro uye kuenzanisa kwemitengo yatichapa mukati meichi chinyorwa ndeye generic. Zvichienderana nemararamiro ako uye chaiwo zviitiko mitengo inogona kukwira zvishoma.
Ndingawana here chikwereti chemba ndichiwana madhora makumi mana pagore?
Ikozvino kuti makore mashanu chibvumirano che-fixed-rate chakwira, iwe unoda kudzosa nechikwereti chitsva chakamisikidzwa. Kubva ipapo wakabhadhara £40.000 320.000 yechikwereti chikuru - saka une chikwereti kune mukweretesi £420.000 - uye imba yako yakwira mumutengo kusvika pa£ 320.000 100.000. Tichifunga kuti unoda kutora mari yembavha pamari imwe cheteyo - £76, ne £76 yemari-, unenge uine LTV ye80 chete%. Zvisinei, XNUMX% yechikwereti-ku-value mortgage inogona kunge iine mibairo yakafanana seXNUMX% yechikwereti-ku-value mortgage. Imwe sarudzo ndeyekuedza kuwana chikwereti chechikwereti chine chikamu chepamusoro-ku-value reshiyo.
ndingawane imba yemba ne20k pagore
Ndatenda neruzivo rwekubviswa kwemitero. Izvozvo zvinogona kutibatsira kuchengetedza mari yakawanda. Zvinoita sekuti munhu wese anoti tinofanira kuzvitora. Ini ndinofungawo saizvozvo, asi mudzimai wangu anozeza zvakanyanya, izvo zvinosetsa nekuti aigara kuGermany achiri mudiki uye mhuri yake inogara ikoko. Ndinofunga kuti ane hanya kuti kusiya kunotidzosera kumashure zvimwe zvinhu zvatiri kuda kuita mumakore mashanu kana matanhatu anotevera, sekutanga mhuri uye kutanga kugadzirisa. Ndakamuudza kuti isu tiri vadiki uye hatisati tine mabasa mazhinji, kunze kwembwa dzedu mbiri netsuro yayo (ini handidi tsuro iyoyo, chero munhu anoda imwe?). Ini ndinofunga isu tinofanira kuita chimwe chinhu chakasiyana isu tichine mukana tisati tave nevana nemba uye zvese izvo zvinhu. Ndapota chengetai mhinduro dzichiuya. Dzinobatsira zvikuru.
Cubie, nei kuuya kuGermany kuchikutadzisa kutanga mhuri? Hapana imwe nzvimbo iri nani yekuzviita kupfuura Germany. IUS inzvimbo isina mutsa kune vadiki uye vakuru kwazvo, zvese zviri kwauri kuti uzvitsigire. Kuno kune masisitimu ekubatsira, kunyangwe ingori nekuti une mhuri yako pedyo, unenge uri pamberi pemutambo.
