Ungayibeka kanjani imali futhi uyiqoqele ifulethi - izindlela ezi-5 zangempela zokuthola imali + amathiphu awusizo wokonga imali yokuthenga ikhaya lakho

Sawubona, bafundi abathandekayo be-Ideas for Life! Namuhla sizokutshela ukuthi ungayithola kanjani imali yefulethi bese wonga imali yokuthenga ikhaya lakho, ngisho nomuntu onomholo omncane.

Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!

Yiba nekhaya lakho (indlu noma ifulethi) - iphupho elithandwa kakhulu ngabantu abaningi. Kodwa-ke, ababaningi abazimisele ngokuqala ukusebenza kwayo. Ukwesaba kubangelwa amanani aphakeme ngemitha eyisikwele, izinga lamaholo, ikakhulukazi ezifundeni, kanye nobunzima bezomthetho bamaphepha.

Njengoba kusho isisho esisodwa esihlakaniphile,noma yimuphi umgwaqo uqala kusukela esinyathelweni sokuqala... Ungasebenzisa izinhlelo zakho kuphela ngokubeka umgomo ocacile nokuba nohlelo oluhleleke kahle lokulufeza.

Lokhu kushicilelwa kungokwalabo abathi, ngokuba nemali encane kodwa ezinzile, noma nje isifiso, noma isidingo esibalulekile, banqume ukuthenga ifulethi labo, yize bekuqinisekiswa kaningi ukuthi kunzima, akunakwenzeka futhi kusongela ngemali mboleko enkulu yasebhange.

Kulesi sihloko, uzofunda:

• Ungayakha kanjani umgomo ngendlela efanele;
• Yiziphi izikimu zangempela zokuhola nokulondolozwa ezikhona zokutholwa okusheshayo kwesamba esikhulu sokuthengwa kwezindlu;
• Ungonga kanjani ekuthengeni ifulethi kusuka kuma-ruble ayi-150,000 kuya ku-200,000. futhi nokuningi.

Ngaphezu kwalokho, uzothola izeluleko ezisebenzayo zokuhola nokonga imali enkulu + izindlela zokuyinyusa. Lokhu kuzosiza ukudala imali yokuthenga isidleke semindeni yabo emindenini emisha, nakulabo abaqashe ifulethi cishe impilo yabo yonke, kuzonikeza ithuba lokuzitholela impahla yabo ngaphandle kwemali mboleko enkulu, okuyinto okunzima ukuyithola ngeholo eliphakathi nendawo.

Funda mayelana nokuthi ungayithenga kanjani indlu yakho ngokushesha nangokonga okwamanje!

Izeluleko ezisebenzayo + izindlela zokusebenza zokuthola nokonga imali yokuhlala

1. Yini odinga ukuyazi ukuze uthole futhi wongele indawo yokuhlala unyaka owodwa - izibalo namathuba 📝

Ukuze unqume indlela yokuhola noma yokuqongelela imali yezindlu, kuyadingeka uthathe isinqumo ngemingcele yayo... Ekuboneni kokuqala, lo mzuzu ubonakala ungabalulekile, noma kunjalo, njengoba kukhombisa umkhuba, isikhathi esiningi nemali kuchithelwa ukufuna okudingayo.

Ukuqedela okwenziwayo, kufanele ukhange www, okuthi, ngokuhlangenwe nakho okubalulekile kobuchwepheshe, kusize ukuqonda izidingo zeklayenti futhi kunqunywe inketho efanele.

Ngokwesibonelo, kubalulekile kumuntu ukuthi kunesikole esithile noma inkulisa eseduze, isigaba semidlalo sezingane, noma uchitha amahora amaningana ngosuku efika lapho esebenza khona, kepha le ndlela ingenziwa lula ngokuthenga ifulethi eliseduze nolayini othile kamasipala noma endaweni efanayo ...

Lapho ama-ejensi wezezindlu ebandakanyeka enqubeni yokukhetha izindlu, kungokwemvelo ukuthi izindleko zefulethi zikhuphuka ngokwesilinganiso ngu 10 – 15%. Ngamanani efulethi elinekamelo elilodwa enhlokodolobha cishe ama-ruble ayizigidi ezingama-4-5, izindleko zezinsizakalo ezingeziwe zizoba ama-ruble ayizinkulungwane ezingama-400-600.

Lezi zimali zingasetshenziselwa ukulungiswa okuhle noma ukuthenga ifenisha esezingeni eliphakeme, uyavuma? Ngakho-ke, sihlaziya ukuthi yini eza kuqala kithi nasemndenini, bese sakha izici eziqondile zekhaya elihlelelwe ukuthengwa:

• Izici zendlu: igumbi elilodwa, amabili noma amathathu. Indawo yamakamelo okulala - ngokwesibonelo, uma unezingane ezimbili, futhi uzothenga ifulethi elinamakamelo amabili, inketho enesakhiwo esihlanganisiwe enepaseji eya egumbini lokulala ngehholo ayemukeleki. Kunakwa indawo ethile efulethini nasendaweni. Mhlawumbe unkosikazi wakho uchitha isikhathi esiningi ekhishini, futhi kuhlala kunezivakashi eziningi endlini, ngakho-ke kungcono ukuhlinzeka ukuthi ifulethi linekhishi elibanzi, futhi lihlanganiswe negumbi lokuphumula. Uma kuzoba nomuntu onesizungu ohlale ehamba noma edla ezindaweni zokudlela, akufanele ulinake leli qiniso.
• Kufanele zitholakalaphi izindlu: ngaphakathi noma ngaphandle komuzi. Labo abajwayele izimoto futhi bakhathele ukuphithizela kwedolobha, bathanda imvelo, bangathembela ekuthengeni ifulethi (indlu yasedolobheni) edolobhaneni lase-cottage noma esakhiweni ngasinye. Izindleko zingaba ngaphansi noma zihlale ezingeni elifanayo. Kubalulekile ukuthi yini ngempela efiswa ngumphefumulo wakho, nokuthi ukuthenga okuzayo kuletha injabulo kuphela futhi kuhlotshaniswa nemizwa emihle. Isimo sengqondo sidlala indima ekhethekile.
• Imigomo yokuthenga: ukwenza% ukukhokha, izitolimende zesikhathi esithile, ukukhokha ngemali yokubeletha, ukuthola imali mboleko yempahla (mortgage).
• Inani lezimaliokunqwabelene ekuthengeni ifulethi, nezindleko ezivumelekile zanyanga zonke zokuthengwa kwempahla.

Lapho nje usuthatha isinqumo ngazo zonke lezi zinqubo, uhla lwezinto ezinezici ezithile, izinga lentengo nemigomo yokukhokha lizoba lincane kakhulu. Kulezi, kuzokwazi ukukhetha ngqo inketho ezohambisana ngokuphelele nazo zonke izindlela.

Ngokuya ngale mingcele, sinquma amathuba emali. Ngokwesibonelo, ifulethi elinekamelo elilodwa esifundeni lizobiza cishe ama-ruble ayizigidi ezimbili. Unenani lamawaka ayizinkulungwane ezingama-500. Ukuthenga udinga amanye ama-ruble ayizigidi eziyi-1.5.

Lapho ibalwa unyaka, kuvela:1,500,000 / 12 izinyanga = 125,000 ruble.

Okusho ukuthi, phakathi nonyaka wokuthenga, udinga ukuhlehlisa njalo ngenyanga by 125 000 hlikihla. Uma imali engenayo enjalo ingalindelekile endaweni ekhona yokuqashwa, kuyadingeka ukuthola indlela yokwenza imali ngokushesha. Kunemibono eminingi efakazelwe ngaleli banga.

Imibono yangempela nezindlela zokwenza imali zokuthenga ifulethi

2. Uyenza kanjani imali yefulethi 💰 - izindlela ezi-5 eziqinisekisiwe

Uma kunesidingo esiphuthumayo sokuthenga ifulethi lakho, futhi imali ihlala ezingeni elijwayelekile, ungagijimeli ukungena kuyo "Imbobo yesikweletu ivuliwe 25-30 iminyaka "ukusayina isivumelwano semali mboleko.

Izazi zokusebenza kwengqondo zithi okuqukethwe okungokomzwelo kwezibopho zemalimboleko kufana ne-serfdom. Umuntu uwela ebugqilini, eqhutshwa yisifiso sokuthola izinzuzo zezinto ezibonakalayo ngokushesha okukhulu. Uhlala "kwifiefdom", kepha uyihlenga ngokuzikhandla kwansuku zonke.

Ukuthenga okuthile ngemali mboleko, abantu bathengisa ikusasa labo: yonke imicabango yabo igijimela isidingo sosuku oluthile lokufaka inani elithile lemali.

Cabanga ukuthi bangaki ubusuku bokulala ozochitha ucabanga ukuthi kungenzeka kube nenye inkinga, ukwenyuka okungalindelekile kwamanani emali futhi, ngokufanele, ukwanda okufanayo okusheshayo kwamanani ezitolo. Futhi ukwesaba ukuxoshwa, ukudilizwa, ukuphucwa amandla omzimba okusebenza ngamandla afanayo? Akulula yini ukuzinikela ekuhloleni izidingo zakho nezinketho ukuxazulula inkinga yezindlu yabo bonke eyodwa kusihlwa ngaphandle kokusebenzisa usizo lwebhange?

Ukukhangisa kusiqinisekisa ukuthi ukuthatha imali obolekise ngayo kunenzuzo ngenxa yenqubo ukwehla kwamandla emali... Ngakho-ke, besebenzisa izibonelo, bayasichazela ukuthi eminyakeni eyi-10-15 izindleko zezindlu zizokwenyuka, imali izokwehla, ukuze ukukhokhela ifulethi kuzohlala kungamaphenathi nje. Lokhu kungenzeka kungabi ngaphezu kwe- isu lokukhangisa elicabangelayo ukugqilazwa kwezezimali. Sikhulume ngokuningiliziwe mayelana nemigomo yemali mboleko evumayo kumagazini odlule.

Ake sihlaziye okwenzekayo empeleni sisebenzisa isibonelo sakamuva 10 iminyaka. Intengo ye-real estate eRussia ngokwesilinganiso ihlala isezingeni elifanayo noma yehlile.

Izizathu zalokhu yilezi:

• amandla okuthenga aphansi;
• ukwanda komncintiswano embonini yezokwakha;
• ukwanda kwamanani abathengi.

Ngenxa yalokho isigaba esiphakathi senhlalo ngeke usakwazi ukuthenga ikhaya ngisho ngosizo lwemikhiqizo yemalimboleko.

Ake sithathe, isibonelo, isimo semakethe yezindlu esifundeni sase-Irkutsk. Kusukela ngo-2000, izindleko zegumbi elilodwa lokulala esakhiweni esisha esinendawo engama-45-60 sq. m. yayingama-ruble angaba ngu-2 500 000. Namuhla onjiniyela banikela ngezindlu ezifanayo ze- 1 500 000 rub, ukunikela izaphulelo Ama-ruble ayi-150,000 - 200,000. yephromoshini "Letha umngani".

Ngasikhathi sinye, amaholo eRussia ahlala acishe afane neminyaka engu-7-8 edlule. Imali engenayo yama-ruble ayi-15,000 - 20,000. njalo ngenyanga kubhekwa njengokujwayelekile. Imali kuphela eMoscow enezinga eliphakeme. Ngisho naseSt. Petersburg, umholo ungama-ruble angama-30,000. kongoti abanezemfundo ephakeme - lesi yisilinganiso.

Umphumela: lapho usuthole imali ebanjisiwe, kungadingeka ukuthi 10 iminyaka ibuye ikhokhele umholo wezinkulungwane ezingama-20-30 njalo ngenyanga, kanti ukukhuphuka kwamanani emikhiqizo nezinsiza kwenzeka ngemvamisa efiselekayo. Ngaphezu kwalokho, izinga lokwehla kwamandla emali ngokusemthethweni ihlala ngaphakathi kwemingcele ejwayelekile.

Uma ubheka ukudilizwa okukhulu ngenxa yezinkinga zomnotho ezenzeka njalo njalo eminyakeni engu-2-3, ungacabanga impilo yakho kule minyaka engamashumi amabili kuya kwamathathu ezayo.

Yini okufanele uyenze nokuthi ungasiguqula kanjani lesi simo?

• Okokuqala nje, kubalulekile ukuqonda ukuthi ukuthenga ifulethi eMoscow, eSt. Petersburg noma kwelinye idolobha elikhulu laseRussia kuyize nje ngeke kwenzeke... Lokhu kuzodinga umzamo othile.
• Okwesibili, kuzofanele ushiye "indawo yokunethezeka" isikhashana. Ngamunye unokwakhe: yokuhlala e Khrushchev, 20 sq. indawo, ukukhokhwa kwerenti yanyanga zonke yama-ruble ayizinkulungwane eziyi-10-15, ukuhlala ndawonye nabazali, njll.
• Okwesithathu, kuyadingeka ukuthi uqhamuke nezindlela ezintsha zokwenza imali ezizokuvumela ukuthi wonge ngokushesha futhi ukhuphule izinga lezinto onazo.

Izindlela ezichazwe ngezansi zizosiza ukuthola imali yefulethi unyaka noma emibili.

Indlela 1. Dala imali engenayo kwi-Intanethi

Kuze kube muva nje, le ndlela ibiyisisekelo futhi ihlala injalo ezingqondweni zabaningi baseRussia. Kepha inhloso akukhona ukujwayela izinkolelo zonke zaseRussia, kepha ukudala imodeli yethu yokusebenza yebhizinisi eliku-inthanethi.

Ngokwenzayo, kunamacala amaningi lapho iwebhusayithi ejwayelekile noma ibhulogi yomuntu siqu iphenduka ibhizinisi lomndeni elinemali enkulu. Konke okusele ukuqhathanisa ukunikezwa kwamanje emakethe ye-Intanethi, ukhethe i-niche yakho, udlule esigabeni se-master bese uqala umsebenzi ogcwele. Sikweluleka futhi ukuthi ufunde indatshana yethu "Ungayakha kanjani iwebhusayithi ngokwakho mahhala - imiyalo yesinyathelo ngesinyathelo."

Abahlaziyi baseNtshonalanga bancoma ukuthi uma ungagculiseki ngezinga leholo, kufanele ubheke nxazonke bese ucabanga ngokunye ongakwenza. kungenzekaukuthi ngisho umdlalo wokuzilibazisa izoletha imali engenayo engaphezu kwemali engenayo ekhethekile. Mayelana nalokhu, i-Intanethi ihlinzeka ngamathuba angenamkhawulo wentuthuko nemali etholakalayo. Funda ngokwenza imali kwi-Intanethi ngaphandle kokutshala imali ku-athikili ehlukile.

Ngokwesibonelo, bheka ukushintshana kokubhala ngokubhala uma unethalente lokubhala noma unekhono lokuhlela iqembu lababhali. Ungawenza lo msebenzi ngesikhathi sakho samahhala noma ngezimpelasonto, ukhuthaza ukuthenga izindlu.

Ngenye indlela, ungathatha isikweletu semali mboleko noma umboleki womthengi we-real estate, bese ukhokha izinkokhelo zanyanga zonke usebenzisa imali engenayo evela kunethiwekhi.

Indlela 2. Ukuthenga ifulethi ngempahla ebanjiswayo bese uyiqasha

Ukuthola isikweletu sokubanjiswa kwemali nokwenza izinkokhelo eziyimpoqo kusuka emalini etholakale ekuqashisweni kuyinketho kuphela kulabo abangabanikazi bezinye izindlu ezithengiswayo. Uma ifulethi lisendaweni enhle, isibekhampasi, kunethuba lokuphumula, kepha hhayi isikhathi eside.

Ubunzima bungavela ngenketho lapho izindlu zitholakala endaweni ekude nesikhungo nengqalasizinda. Izindleko zayo zizoba phansi kakhulu, kepha akunakwenzeka ukuthi kuzokwazi ukukhokhela izindleko zempahla yezindlu ngokukhokha okuncane okuqashisayo. Okufanayo kusebenza kokuncane amafulethi asestudiyo... Zifanele impilo yabafundi ngenxa yezindleko eziphansi, kepha umndeni isikhathi eside onemali ezinzile akunakwenzeka ukuthi uhlale lapho.

Ngaphandle kwalokho, kufanele unake ukuthi ukuhlala phansi kubaqashi kungasho ukuthini ukulinyazwa kwempahla... Ngalokhu, inkontileka icacisa isidingo sediphozithi yomshuwalense.

Uma ucabangela zonke izimo ezibalulekile, kuzokwenzeka ukuthi uthole ifulethi lakho ngale ndlela 10-15 iminyaka, ngokukhokhwa kwemali mboleko ngaphambi kwesikhathi.

Inzuzo ngukuthi izinkokhelo zerenti zizoba ngumthombo ozimele wemali engenayo, kuyilapho imali engenayo enkulu izohamba ngokudla, imfundo nezinye izidingo zokuphila.

Indlela 3. Ukuthola imalimboleko yempahla evikelwe yindlu ekhona

Le nketho ifanele labo abanemali encane, enganele ukuthola imali yokubambisa. Uma kukhona ifulethi elitholakalayo, indawo yalo enganele izingane zokuhlala, noma kunesidingo sokushintsha indawo yokuhlala noma ngisho nedolobha, lapho-ke kungafakwa njengesibopho sokuphepha sokuthola imali ebanjiswayo.

Kodwa-ke, kunomkhawulo - izindlu nomhlaba akufanele ziboshwe: isibambiso kwezinye izibopho zemalimboleko, ukuboshwa, njll.

Sabhala ngokuthi singayithola kuphi futhi kanjani imali mboleko evikelwe yi-real estate ekhona kumagazini odlule.

Indlela 4. Isiphetho senkontileka ye-life annuity

Le nketho ifaneleka ngokwengeziwe abesifazane noma imibhangqwana eshadile... Ukuze uthole ikhaya, udinga ukuthola umuntu osekhulileongumnikazi wezezakhiwo ukwenza isivumelwano ngokugcinwa impilo yonke. Abahlali basekhaya banakekela umuntu onesizungu, bamnikeze okudingekayo.

Qaphela! Kuzoba khona izindleko ngaphansi kwalolu hlelo, kepha kuncane kakhulu uma kuqhathaniswa nezindleko zezindlu.

Ubuhle nobubi bale ndlela yokuthenga ifulethi:

• TO i-pluses (+)uhlelo olunjalo lwezomthetho lungabangelwa izindleko eziphansi zokuthola impahla ye-real estate, amandla okuhlala efulethini ngaphandle kwesidingo sokuqasha elinye ikhaya futhi uthole izindleko ezihambisanayo.
• TO amaminithi (-)kungabangelwa ukuthi kungenzeka ukukhansela irenti nganoma yisiphi isikhathi ngumnikazi wefulethi. Ngokomthetho, lelo thuba lihlala kuye isikhathi sonke sempilo yakhe. Imali nesikhathi esichithwa kushiya isikhathi kuzolahleka.

Kuyadingeka ukulungiselela ukuphazamiseka okungavela lapho uhlala nomuntu ongamazi, hhayi kuphela impahla, kodwa futhi imvelo yengqondo... Ukuze uthole izindlu ezifiselekayo, kuzodingeka ubekezele kancane.

Indlela 5. Ukuhlela ibhizinisi elinemali ephezulu

Kukholakala ukuthi ukuze wenze inzuzo, kuyadingeka ukuthi udlule esigabeni esinzima sokubhaliswa kwebhizinisi futhi ube nemali ebalulekile. Eqinisweni, lokhu kuyinkolelo kuphela, engenasisekelo ngokuphelele.

Ukubhalisa uhlobo olulula lwenhlangano - Izinkampani ezinesikweletu esilinganiselwe (LLC), inhlokodolobha egunyaziwe yama-ruble ayi-10,000 kuphela edingekayo. Izindleko zingahlukaniswa phakathi kwabasunguli be-co, okungaba okungenamkhawulo. Kokunye kwendatshana edlule, sesivele sichaze ngokuningiliziwe ukuthi singayivula kanjani i-LLC sisodwa kulo nyaka - imiyalo yesinyathelo ngesinyathelo yokubhalisa inhlangano esemthethweni izokusiza ngalokhu.

Kodwa-ke, lapho uheha inani elikhulu labantu ebhizinisini lakho, khumbula ukuthi umbono wabo kuzodingeka ukuthi uthathe izinqumo maqondana nezinkinga zenhlangano nezezezimali zebhizinisi.

Ngokwanda kwevolumu yenzuzo, izimangalo zabo ezibonakalayo zizokhula, futhi ukuhlengwa kwamasheya kuyabiza.

Cabanga ngalokho okwaziyo nokuthi yini ongayenza. Kubukeka kulula ukusebenzela umuntu, kepha ingabe uyaqiniseka ukuthi izinga leholo lakho lifana namakhono neziqu zakho?

Ngokwesibonelo:

Ummeli usebenza ehhovisi lezomthetho elingenathemba iminyaka engaphezu kwengu-5... Umholo ususondele 30 000 hlikihla. njalo ngenyanga. Uchwepheshe une:

• isipiliyoni;
• isipiliyoni kumacala;
• uyaqonda amagatsha amaningi omthetho;
• iwina izingxabano eziyinkimbinkimbi zokulamula ngesilinganiso sama-ruble ayizigidi eziningana noma ngisho namaRandi;
• unedumela eliphakeme nezibuyekezo ezinhle ezivela kumakhasimende.

Mhlawumbe kungalesi sikhathi lapho udinga ukuqala ukuhlukanisa nomqashi futhi uqale ibhizinisi lakho?

Yini edingekayo ukuhlela inqubo:

• izakhiwo zokuqasha noma impahla;
• ukubhaliswa neziphathimandla zentela zebhizinisi;
• abasebenzi bochwepheshe, uma ikhasimende selinqwabelene kakhulu.

I-accountant ingaqashwa ngaphandle ukugcina amarekhodi nokubuya kwamafayela kane ngonyaka, bese ugcina amarekhodi uwedwa. Ngaphezu kwalokho, Inkampani yezomthetho - lokhu akuyona indawo yokuhweba, ukuthengiselana kwezezimali kungabalwa kalula.

Umbuso wenze lula ifomu lokubika losomabhizinisi abasafufusa. Labo abahola kancane bangafaka isicelo senqubo yentela eyenziwe lula yokwehlisa imali nokubika.

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Ukuthenga ikhaya phesheya

Futhi uma ifulethi liphesheya?

Kuyaphawuleka ukuthi uhlelo olufanayo lungathengwa hhayi eRussia kuphela, kodwa nakwamanye amazwe. Manje indlu eseduze nogu yeholide noma impelasonto ayisabhekwa njengokungajwayelekile, ikakhulukazi njengoba indiza isuka eMoscow naseSt. Petersburg iya ezindaweni zokungcebeleka zaseYurophu Amahora ama-3 - 5 kuphela... Cishe isikhathi esilinganayo ungama esiminyaminyeni sezimoto uzama ukufika enkabeni yenhlokodolobha.

Womabili amabhange aseRussia nakwamanye amazwe ahlinzeka ngemali mboleko yokuthengwa kwezindlu zangaphandle phesheya. Ukwesekwa kwe-solvency, amadokhumende emali engenayo noma isibambiso sempahla enikezwa ngaphandle kokuhlangana, ngaphandle kokuboshwa, neminye imikhawulo ekulahlweni.

Okuhehayo ekuthengeni amafulethi phesheya inqubomgomo yentengo... Ukuthenga ikamelo elilodwa (igumbi lokuphumula elinekamelo elilodwa lokulala) noma isitudiyo (ihholo elinekhishi laseMelika elivulekile) 35-40 sq.m. kungenzeka ngentengo kusuka kumadola ayi-10,000.

Abathuthukisi benza neziphakamiso ezithokozisayo: izitolimende zeminyaka engu-3-5 zizobiza 2-3% ngonyaka, uma ukhokha i-100% yenani ngasikhathi sinye, kunikezwa isaphulelo esingu-5-10%. Kodwa-ke, lapho uthola imalimboleko ngemali yakwamanye amazwe emabhange aseRussia, udinga ukuthatha izingozi ezingaba khona futhi ubabikezele. Okwalabo imali yabo engenayo ilinganiselwa ku- amadola noma Euro, izinkinga zomnotho eRussia azizimbi kangako. Lapho umholo ungene ama-ruble, lapho-ke, ukuthola inzalo ephansi kwempahla ebanjiswayo, udinga ukuthi uzilungiselele ukweqa okubukhali ngesilinganiso sokushintshisana.

TO yokuntula ukubolekisa ngamabhange angaphandle kungabangelwa yinkimbinkimbi yamaphepha. Izindleko ezingeziwe zingavela maqondana nokuhumusha, ukubhaliswa ngokusemthethweni kwezitifiketi zengeniso, izitifiketi zezindlu eRussia, ukwakheka komndeni, njll.

Kufanele kukhunjulwe ukuthi alikho ibhange elinelayisense yaseRussia elinikeza imali yokuthenga ngempahla engaphandle kweRussia Federation. Kungenzeka ukwamukela kuphela isikweletu sabathengi ngenani elithile. Sesivele sitshele ukuthi yiliphi ibhange okungcono ukuthatha imali mboleko yabathengi ngenzalo ephansi ku-athikili ehlukile.

Izinhlelo ezinjalo zinikezwa emabhange alandelayo:

• ISberbank yaseRussia;
• I-VTB 24;
• NSBank;
• NK "Independent Construction Bank".

Phesheya, izakhamizi zaseRussia zithola izimalimboleko:

• Cajamurcia;
• Bankia;
• ISantander;
• Osebenza ngebhange.

Inketho yokuthenga ingcebo yangaphandle, uma kungenakwenzeka ukuthenga ifulethi eRussia, ikakhulukazi edolobheni elikhulu, ingacatshangelwa yilabo abasebenza nge-Intanethi. Kwesinye sezihloko zikamagazini wethu, ungafunda ngokusebenza kwi-Intanethi ngaphandle kokutshala imali nokukhohlisa ngokukhokha nsuku zonke ngokuningiliziwe.

Izindlu zizobiza imali ephindwe kayishumi, iphunga lolwandle lizozwakala efasiteleni unyaka wonke, futhi amabhishi amahle kakhulu ezindawo zokungcebeleka zomhlaba azoba sebangeni lokuhamba.

Umbuso we-visa othembekile nezindlu ezingabizi kakhulu eBulgaria, Montenegro, Turkey, Egypt, njll. Ngaphambi kokuwa kwemali yaseRussia, amanani ezindlu kulawa mazwe ngesilinganiso esidala afinyelelwe 300 000 – 500 000 hlikihla. Ngalolo hlobo lwemali eRussia, ungathenga igalaji kuphela. Kulula kakhulu ukongela izindlu ezinjalo.

Noma kubalwa ngonyaka, kuvela ukuthi kubalulekile ukuhlehlisa ama-ruble angama-25,000 - 40,000 kuphela. Uma ubala izindleko zeminyaka emi-3, uthola inani langempela impela ngisho nangomholo ojwayelekile - kusuka kuma-ruble ayi-12,000 kuye kwayi-13,500.

Amathiphu awusizo wokuthi ungonga kanjani imali yokuhlala

3. Ungayibekelela kanjani ifulethi 💎 - izeluleko ezi-6 ezisebenzayo zokonga imali + nezindlela zokuyinyusa

Noma iziphi izindlela zilungile ukufeza inhloso, ikakhulukazi uma kunjalo uthenga ikhaya lakho... Sivele sikutshele ukuthi yini okudingeka uyazi lapho uthenga ifulethi nokuthi yini okudingeka uyinake ngokukhethekile lapho wenza ukuthengiselana kwezindlu nokuthengiselana kokuthengiswayo ku-athikili ehlukile.

Qaphela! Kuyathakazelisa ukuthi iningi lesabelomali somuntu siqu noma lomndeni lichithwa ezintweni ezincane. Ngonyaka sithola izibalo ezihlaba umxhwelelokho kungahamba ukumboza izinkokhelo zemalimboleko noma ama-akhawunti wokonga.

Ukuze ungonge imali amashumi eminyaka, kungcono ukuzama ukuqinisa amabhande akho iminyaka embalwa. Umphumela uzoba sobala. Ukubekezela okuncane, ukunciphisa imingcele yakho ekusebenziseni imali, futhi ungaba ngumnikazi oziqhenyayo wefulethi lakho!

Manje ake sibheke amanye amathiphu awusizo wokuthi ungayonga kanjani imali futhi uyilondoloze kahle.

Ithiphu 1. Kufanele ugcine irekhodi lansuku zonke lemali engenayo nezindleko

Okungenayo kungenziwa encwadini yokubhalela. Ngale njongo, isisindo manje sesenziwe izinhlelo zokusebenza zeselula, kufaka phakathi lezo ezakhelwe kumikhiqizo yasebhange.

Isibonelo, okunikezwayo okuthakazelisayo kuyatholakala kwi-Internet Bank I-Alfa-Bank... Uhlelo luhlanganisa zonke izindleko ngezigaba ezithile futhi lunikeze umbiko ovuselelwa nsuku zonke.

Iklayenti lesikhungo sezezimali liyazi konke okusetshenziswe ngenyanga:

• ukuhamba;
• imithi;
• ukumbozwa kwemali mboleko;
• ukuthengwa kwemikhiqizo, njll.

Ngokuya ngemiphumela, ungahlaziya ukuthi iyiphi into yezindleko ephezulu kakhulu nokuthi ungonga kanjani ezinyangeni ezizayo.

Uhlelo lukuvumela ukuthi ufake imali esetshenzisiwe bese ubeka umgomo ngosuku olufanele.

Ngokwesiboneloy, udinga ukubeka imali yokukhokha phansi ukuthenga ifulethi 500 000 hlikihla. Amapharamitha kufanele asethwe futhi njalo ngenyanga kusuka ku-akhawunti yasebhange kuya ku-akhawunti yokonga kuzokhokhiswa, ngokwesibonelo, ngu 25 000 hlikihla.

Izimali ezingeziwe zingafakwa ku- idiphozi yasebhange bese uthola iphesenti. Sabhala ngokuthi idiphozi iyini nokuthi yiziphi izinhlobo zamadiphozithi ezikhona kumagazini odlule.

Kukhona i-athikili ehlukile kuwebhusayithi yethu emayelana nokubolekwa kwemali ngaphandle kwemali ekhokhelwayo - sikucebisa ukuthi uyifunde, futhi uzofunda ukuthi ungasithola kanjani isibambiso ngaphandle kokukhokha phansi ekuthengeni izindlu.

Iseluleko 2. Silungile isabelomali nezempilo - yeka ukubhema notshwala

Ngokwesibonelo, nsuku zonke ujwayele ukubhema iphakethe elilodwa likagwayi, izindleko zama-ruble ayi-100. Umlingani wesibili naye ubhema uhhafu wepakethe lomkhiqizo ofanayo ngosuku. Usuku, ukugeleza kutholakala ku- 150 hlikihla.

Ngonyaka osikilidi kuphela 150 * 365 = 54 750 ruble.

Faka kule mali izindleko zotshwala... Ake sithathe Ngokwesibonelo ukuphuza amalitha amathathu kabhiya ngezimpelasonto ngentengo yama-ruble angama-50. ilitha ngalinye. Ama-ruble ayi-150 nje ngosuku. Ngonyaka kuyavela 54 750 hlikihla. Sekukonke, ngonyaka ungonga imali ngokuyeka ukulutha, Hlikihla i-109,500

Lapho kubalwa ifulethi lama-ruble ayizigidi ezimbili. esifundeni yi 5% wezindleko zayo, ezingaya enhlokodolobha yokuqala, imvamisa kusuka ku-20 kuye ku-40%.

Ithiphu 3. Yenqaba ukuhambela izindawo ezahlukahlukene zokuzijabulisa namaphathi

Lapho nje inhloso ukuthenga ifulethi, ungenqaba ukuya ezindaweni zokuzijabulisa. Ukuvakasha ngakunye kubha noma indawo yokudlela kubiza kusuka kuma-ruble angu-3 000 kuya ku-10,000. umuntu ngamunye nangaphezulu.

Ngokucabanga ukuthi ukuphuma okunjalo kuvame ukwenzeka ngezimpelasonto, ukusetshenziswa okumaphakathi kwama-ruble ayi-5 000 kuyatholakala. ngesonto, inani lama-ruble ayi-20 000. ngenyanga. Kuthatha unyaka ngalezi zinhloso Ama-ruble angu-240,000 lilinye

Uma ungeke wenqabe nhlobo ukuvakashela amakilabhu, lapho-ke ungazibekela imali esetshenzisiwe, Ngokwesibonelo, Ama-ruble angu-3 000. ekuphumeni ngakunye.

Ithiphu 4. Yeka ukuchitha imali ngezinto ezingenasidingo

Abathengi bavame ukuthenga imikhiqizo noma izinto abangazidingi nhlobo. Ngokwengxenye enkulu, kusetshenziswa iqhinga elikhethekile lokumaketha izitolo ezinkulu... Ukungena emnyangweni wokuqala, ukuthengwa ngamawala kwezinto zasendlini, omagazini abacwebezelayo, njll.

Uma udinga ukonga imali, kunendlela eyodwa kuphela yokuphuma - ukulungisa uhlu lwezinto ezidingekayo nemikhiqizo ngaphambi kokuvakashela izitolo futhi ukunamathela ngokuqinile.

Lolu hlelo lukuvumela ukuthi wonge ku 500 hlikihla. kukho konke ukuthenga. Kwaphela inyanga, izindleko ezingalindelekile zitholakala ngenani lama-ruble ayi-15,000. Phakathi nonyaka inani lizokwenyuka kuze kufinyelele ku-180,000 ruble.

Ithiphu 5. Kulabo abaqasha indlu - hlala nabazali bakho bese wonga imali

Uma uqasha ifulethi endaweni enhle ngokulungiswa kwekhwalithi yaseYurophu, yisikhathi sokucabanga ngokuthuthela kubazali bakho noma ezindlini zesigaba somnotho isikhashana.

Ngokwesibonelo, ukuqasha ifulethi elinekamelo elilodwa eMoscow kubiza ama-ruble angama-30,000. Ukuthuthela kubazali bakho unyaka wonke kungonga Hlikihla i-360,000

Ithiphu 6. Zama ukunciphisa izindleko zakho siqu ngangokunokwenzeka

Cabanga ngezinye izindleko onganciphisa okungenani iminyaka embalwa.

Lokhu kungaba:

• ukuvakashela indawo yezemidlalo ebizayo, engashintshwa ngokugijima emoyeni omusha noma ukuthenga okubhaliselwe kwiklabhu eseduze kwendlu ngentengo ephindwe kaningana kunesikhungo se-elite.
• noma awukwazi ukumelana nokuthenga ubucwebe obubizayo, onakho ngokwanele futhi ongakwazi ukwenqaba ukuthenga obusha.

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Ake sifingqe okuzokwenzeka uma uhlelo lokulondoloza lulandelwa:

1. Ukuyeka utshwala nokubhema - ama-ruble ayi-109 500.
2. Ukuvinjelwa kokuzijabulisa - ama-ruble angu-240,000.
3. Izinto ezingadingekile nokudla - ama-ruble angu-180,000.
4. Ukuthuthela kubazali - ama-ruble angama-360,000.

Ngaphandle kwezindleko, kuvela IRUBHI 889,500 Cishe uhhafu wefulethi esifundeni, akunjalo?

Izindlela ezi-6 zokukhulisa imali nokonga ifulethi

Uyinyusa kanjani imali - TOP-6 izindlela zokwandisa imali yakho

Izimali ezikuma-akhawunti zingaba umthombo wemali engenayo... Akufanelekile ukubabeka ngaphansi kwamanani ashibhile ngenxa yezinqubo zokwehla kwamandla emali. Yiziphi izindlela zokwengeza imali namuhla? Ungatshala kuphi ukuthola imali yenyanga?

Indlela yenombolo 1. Imali yasebhange

Imali yasebhange iyindlela ethandwa kakhulu futhi elula yokwengeza ukonga. Izimali zingenziwa namuhla ngokushesha okukhulu futhi ngaphandle kokuxhumana nebhange, uma uyiklayenti laleli bhange.

Ngokwesibonelo, unekhadi lomholo. Kumodi online noma ebhange elingumahamba nendlwana, izimali zifakwa kwi-akhawunti ekhethekile enenzalo yemizuzu embalwa. Akudingeki ukuthi uvakashele uchwepheshe egatsheni lesikhungo sezikweletu. Inzalo etholakele ivela ku-0.01 ngaphambi kuka-18% kuya ngenani elidluliselwe kudiphozi nesikhathi sokugcina kwabo ebhange.

Kukhona ukuqongelela, noma ukugcwalisa imali, inani lezimali ongakhuphula kuzo, nomaengagcwaliseki kabusha - ngenani lenzalo eliphakeme, kepha unswinyo lokuhoxa ngaphambi kwesikhathi. Uma imali ikuma-akhawunti iminyaka engu-1-3 noma ngaphezulu ukuze iqoqele izindlu, kungcono ukukhetha inketho yokugcina, amarisidi avela kulezi zinhlelo anenzuzo enkulu kakhulu.

Ungatshala imali njenge ngesiRashiyafuthi imali yakwamanye amazwe... Amaphesenti emali engamaphepha angaphandle mancane, kepha izimali zivikelekile ekweqeni kwamazinga. Kubaluleke kakhulu ukucubungula lokhu lapho uthenga izindlu nomhlaba phesheya.

Indlela yenombolo 2. Ukutshalwa kwezimali esikhwameni sempesheni esingeyona ekahulumeni (i-NPF)

Uhlelo lokwenza inzuzo lucishe lufane nalapho uvula idiphozi. Ungathola ngezimali ngonyaka 8-10% wemali engenayo.

Indlela yenombolo 3. Isikhwama sokutshala imali mutual (UIF)

Izimali mutual ziyindlela enenzuzo enkulu yokonga okwandayo. Uyehluka ekuzinzileni nasekuthembekeni. Inesilinganiso esikhuphukile - 30-60% minyaka yonke, okunikezayo inzuzo uma kuqhathaniswa nemikhiqizo yasebhange.

Indlela yenombolo 4. Ukushintshaniswa kwe Forex

Imiphumela emihle ingatholakala ngokuqongelela izimali ze Ama-akhawunti we-PAMM... Ungathola nyangazonke ngalolu hlelo kusuka ku-4 kuye ku-5% kusukela enanini lokonga. Noma kunjalo, le ndlela inezingozi eziphezulu. Ukuhola okukhulu kungaphenduka ukulahleka okuphelele kokonga.

Kwesinye sezihloko zikamagazini wethu, ungazijwayeza ngesibonelo sakho somhwebi oqalayo ukwenza imali kwi-Forex.

Indlela yenombolo 5. Ukuqasha impahla yakho

Uma kunezinhlelo zokwandisa indawo yezindlu, Ngokwesibonelo, kusuka efulethini lamagumbi ama-2 kuye kwali-3 ngokuphathelene nokuzalwa kwengane, lapho-ke, njengenketho, ungahamba isikhashana uye kubazali bakho noma uqashe inketho yezomnotho, nefulethi lakho ukuqasha ngentengo enhle.

Indlela yenombolo 6. Qasha imoto yakho

Uma unemoto, kodwa ungavamile ukuyisebenzisa, lapho-ke ungakwazi uyiqashise isevisi yamatekisi... Imali engenayo yama-ruble ayi-10,000 - 15,000. njalo ngenyanga kuzoba wusizo.

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Uma unezimali esifundeni sama-ruble we-500,000. futhi ngaphezulu, kunconywa ukusebenzisa izindlela eziningana.

Ngokwesibonelo:

• Hlikihla i-300,000 kungashiywa kudiphozi yasebhange, ngemuva kokuthola ama-ruble angama-330,000 ekupheleni konyaka.
• Hlikihla i-200,000 ukusabalalisa phakathi kwezimali ezihlanganyelwe ngesigamu ku-15% kuya ku-20%.

Ingqikithi yonyaka kuma-akhawunti kuzoba yisamba esingu-115,000 no-120,000 ruble. ngokulandelana.

Ngakho-ke unyaka uzokwanda kusuka kuma-ruble angama-500,000. kuze kufinyelele ku-565,000 ruble.

Kungenzeka yini ukuthi umndeni ojwayelekile ugcine imali yefulethi elifiswa ngeholo elincane nokuthi ungakwenza kanjani - izeluleko nezincomo

4. Uyonga kanjani imali yefulethi elinemiholo engama-ruble ayi-20 000 - 30,000 ngenyanga 💡

Ukuze unqume uhlelo lokuqongelela imali ngeholo elijwayelekile eRussia, kuyadingeka ukunquma ukuthi izindlu ezifunwayo kufanele zitholakalaphi: eMoscow / eSt. Petersburg (eSt. Petersburg) noma esifundeni. Amacala womabili azohluka kakhulu ngenxa yomehluko wentengo.

Isibonelo, ake sithathe ifulethi elinekamelo elilodwa elinendawo emaphakathi engama-40-50 sq.m.

1) Izindlu esifundeni

Ifulethi elinekamelo elilodwa esifundeni lizobiza isilinganiso esilinganiselwa ezigidini eziyi-2.1. Umholo ngama-ruble angama-30 000 ngenyanga, kodwa akunakwenzeka ukushiya konke ukuze kulondolozwe, ngoba kudingeka izindleko zokuqashiswa kwezindlu, kunezindleko zokudla nemoto.

Njengoba ezakho izinto zibiza impela, kungcono ukuyisebenzisa kuqala thengisaishiya imali yokuhlala.

Ukuqasha izindlu ezifundeni cishe kuyizinkulungwane eziyi-14. Ukudla ngakunye kuzobiza izinkulungwane eziyi-8 kuya ku-9.

Kuzodingeka wonge malini ukuthenga ifulethi: Izinyanga ezingama-2,100,000 / 7 = 300, okusho ukuthi, isiyonke Iminyaka engu-25.

Uma uhlala njengomndeni futhi bobabili bayasebenza, khona-ke ithemba liqhakazile. Lokhu kuzothatha cishe 70 izinyanga, okungukuthi 6 iminyaka. Kodwa-ke, ngokwenza, kuvela isimo esisodwa, lapho kwakhiwa umbhangqwana, khona-ke ifulethi elinekamelo elilodwa alanele.

2) Indlu eMoscow

Enhlokodolobha ukuhlala ngeholo lama-ruble ayi-20 000 - 30,000. cishe akunakwenzeka, ingasaphathwa eyokuqoqwa kwezimali zezindlu zabo, ikakhulukazi ngamanani aseMoscow.

Ngokwesilinganiso, ngokusho kwezibalo, imali engenayo evela emsebenzini 70 000 hlikihla. Ungathola imali enhle enhlokodolobha, okubaluleke kakhulu, ukuba nesifiso nokuqiniseka.

Uma unemfundo enhle namakhono, kufanelekile ukucabanga ukuthi ungayishintsha kanjani indawo osebenzela kuyo iye enenzuzo enkulu. Kuzodingeka isikhashana phuma endaweni yakho yokunethezeka, kepha umphumela uzoba ofanele.

Njengoba kungenzeka ukongela ifulethi elinomholo we-20-30 ayizinkulungwane kuphela kwabambalwa inqwaba iminyaka, lapho-ke akunangqondo ukunikeza ukubalwa.

Ingabe kunengqondo ukuthola isikweletu semali onayo ngaleyo mali?

Ake sibheke wokubala Sberbank waseRussia. Sifaka izindleko zezindlu kuma-ruble ayizigidi ezi-5. ngeholo lama-ruble angama-30,000. Uhlelo lubonisa ukuthi ngale mali etholakalayo, ungathola ama-ruble ayizigidi ezimbili kuphela. imalimboleko, yize kunikezwa umnikelo wokuqala wama-ruble ayisigidi. Isikhathi sokukhokha sizobe siyiminyaka eyi-15, kanti ukukhokhwa ngokweqile kuzoba ama-ruble angu-2 168,000.

Fingqa. Ngomholo wama-ruble angu-20 000 - 30,000. akunakwenzeka ukuthenga ifulethi eMoscow ngisho nangebambiso.

Ngenye indlela, ungacabanga ukuthenga ifulethi esifundeni saseMoscow... Manje kunezindawo zokuhlala eziningi ezakhiwayo ezinezixhumanisi zokuhamba eziya enhlokodolobha. Noma cabanga ukuthuthela esifundeni esinamanani amafulethi aphansi.

Ngendlela, ungathenga ifulethi ngentengo ephansi esakhiweni esisha esiteji sokumba. Kepha lapha kubalulekile ukuhlola zonke izingozi okubandakanya ukuthengwa kwendlu esakhiweni esisha.

Ungazama futhi ukushintsha imisebenzi noma ubheke okunikezwayo eMoscow ngamaholo aphezulu.

Uyenza kanjani imali yefulethi eminyakeni emithathu kusukela ekuqaleni kwedolobha elikhulu (eMoscow, eSt. Petersburg)

5. Uyenza kanjani imali efulethini eMoscow eminyakeni emi-3 - isibonelo esicacile ngezibalo 📊

Njengesibonelo, kuzonikezwa uhlelo lokonga izindlu nomuzi emndenini oqasha ifulethi ngama-ruble ayi-30,000 / ngenyanga.

Unyaka we-1

Ake sithi imali engenayo yenyanga yomndeni ingama-ruble ayi-110,000. cishe 1,320,000 ngonyaka.Kulezi, ezingama-360,000 zisetshenziselwa ukuqasha ifulethi, isamba sama-ruble angama-960,000. ngonyaka.

Ifulethi umndeni ofuna ukulithenga kufanelekile 7 500 000 hlikihla. Ngokucabangela ukwanda kwamanani entengo, ukukhanda nokuhlobisa - ama-ruble ayi-9,000,000.

Ngemuva kokuhlaziya izindleko, kwavela ukuthi kungenzeka ukuthi kusindiswe ama-ruble angama-720,000 ngonyaka. Kwaphinde kwathathwa isinqumo sokuthuthela endaweni yabazali iminyaka engu-2, ukonga kwakungu-ruble angama-360,000 ngonyaka. Inani lonyaka wokuqala lihlehlisiwe RUB 1,080,000

Unyaka wesibili

Umndeni unemali eyengeziwe:

• Unkosikazi waqala ukubhuloga waqala ukubhala ikhophi (izindatshana zokubhala)... Sekukonke, uyakwazi ukuthola imali ethe xaxa 15 000 hlikihla.
• Indoda yazi kahle izinhlelo futhi yaqala ukuthola 15 000 hlikihla. njalo ngenyanga ngokuzimela.

Ngakho-ke, imali engenayo inyuke yaya kuma-ruble ayi-140,000, futhi ngokwemigomo yonyaka - ama-ruble ayi-1,680,000. Kubo kuzoya okonga Hlikihla i-1,320,000

Imali egcinelwe unyaka wokuqala enanini elingu-1,080,000 yanqunywa ukuthi ihlukaniswe yaba izingxenye futhi yatshalwa imali:

• Hlikihla i-500,000 faka ku-12% ebhange elithembekile. Isikhathi esingangonyaka, iphesenti ligijime phezu kwabo kwavela 560 000 hlikihla.
• Inani lama-ruble angama-300,000. itshalwe esikhwameni sokubambisana ngesilinganiso se-15%. Ekupheleni konyaka, kwavela 345 000 hlikihla.
• Ibhalansi ingama-ruble angama-280,000. idluliselwe kwesinye isikhwama sokutshala imali iyunithi ngama-23% ngonyaka. Emuva kwamukelwa 345 000 hlikihla.

Ingqikithi ngenxa yokutshalwa kwemali inani lama-ruble ayi-1,080,000. ikwazile ukwanda kufika kuma-ruble ayi-1,250,000.

Imali etholakele ngonyaka wesibili ama-ruble ayi-1,320,000. kungezwe kokuzuziwe nokuqongelelwe ekugcineni kuzonikeza IRUBHA 2,570,000 Le mali izokwanela ukuthenga izindlu esifundeni.

Unyaka wesithathu

Isibonelo, emsebenzini banikezwa ukwanda kwama-ruble ayi-5 000. njalo ngenyanga, nemali etholwa ngoshade naye ngokubhala ngokukopisha inyuke ngenani elifanayo. Imali engenayo ngenyanga yayingama-ruble ayi-150,000. Kusuka kubazali bakho, ubuyela efulethini eliqashiwe ngentengo efanayo nangaphambilini - ama-ruble angama-30,000. ngenyanga.

Njengoba manje sekukhona izindleko ngenani lama-ruble ayi-600,000 ngonyaka. Ukonga kuzoba okuphelele RUB 1,200,000

Izimali sezisatshalaliswa kanjena:

• 1 million ngo-10% ngonyaka ebhange, okuzophenduka kube 1 100 000 hlikihla.
• Hlikihla i-400,000 utshale izimali ezihlanganyelwe ku-15%, futhi ekugcineni kuvela 460 000 hlikihla.
• Hlikihla i-600,000 uzohlala esitokisini esikhwameni sesithathu sokubambisana esinemali engu-10%. Ngenxa yalokho, kuzovela ukuthi kuzolandwa 660 000 hlikihla.
• Amanye ama-ruble angu-570,000. izodluliselwa kubadayisi be-Forex ngesilinganiso se-15% ngonyaka. Inani eliphelele lezimali lizokhuphukela ku- 656 000 hlikihla.

Ngakho-ke, ngokwemiphumela yonyaka wesithathu, inhlokodolobha izokwenyuka iye ku- 2 876 000 hlikihla. + ufeleba enanini 1 200 000 hlikihla. unyaka wesithathu wokuqongelela. Manje isamba esiphelele RUB 4,076,000 ngokwanele ukuthenga ifulethi ezindaweni ezikude eMoscow noma izindlu ezinhle ezi-2 noma ezintathu ezinamakamelo amathathu esifundeni.

Itafula lokonga ifulethi eMoscow iminyaka emithathu:

1th unyaka	2th unyaka	3unyaka
Hlikihla i-1,320,000	IRUBHA 2,570,000	RUB 4,076,000

Ukufeza umphumela wama-ruble ayizigidi eziyi-9, udinga ukulandela uhlelo olufanayo. Isikhathi esiphelele sizoba cishe 6,5 iminyaka ngaphambi kokuthenga impahla yakho eyinhloko.

Ungayonga kanjani imali enkulu lapho uthenga ifulethi - izeluleko ezivela kubameli abahola phambili

6. Ungonga kanjani kuze kufike kuma-ruble ayi-150,000 ekuthengeni ifulethi 📎

Ukuze uthole ukusekelwa kokuthengiselana kwempahla, izinhlaka zamadolobha amakhulu zikhokhisa imali engaba ngu- 150 000 ngaphambi 250 000 hlikihla. kusuka entweni, okungukuthi, cishe 1,5-2% kusuka kunani layo.

Abameli abaholayo beluleka ukuhlukanisa imiqondo izinsiza ezithengisa izindlu futhi ukwesekwa kwezomthetho... Owokuqala ikakhulukazi abila ekukhetheni kokunikezwa noma ekufuneni abathengi. Le nqubo yenziwa njengokujwayelekile - ngamabhodi emiyalezo.

Qaphela! Inani elincane labathengisi bezobuchwepheshe banesisekelo sabo, futhi kuyabonakala ngokungazinzi ngenxa yezinguquko ekufunweni kwabathengi.

Kukhona umbono wokuthi ama-ejensi angathatha okunikezwayo okukhethekile kusuka kudathabheyisi yabo, kepha ngokwenzekayo kunqunyelwe okungcono efulethini elilodwa noma amabili, imininingwane engashicilelwe emithonjeni evulekile. Akusilo iqiniso ukuthi lezi zinketho zilungele izidingo ezithile zomthengi othile ngokuya ngezici zendawo, indawo, ibanga ukusuka kwimetro, izindleko, njll.

Ukuhlolwa kwe-ejensi kusekelwe kwimininingwane etholakala emakethe. Esimweni esihle kakhulu, kwenziwa ukulawulwa kokukhishwa kwabahlali bezindlu ezithengiwe, ukwenziwa kobhaliso lwabo kwenziwa.

Uma izingane zihlala efulethini, imvume itholakala kubaphathi kanye nakweziphathimandla zokuphatha ukuze kususwe ukubhaliswa endaweni yokuhlala nokuhlala okuyisibopho kwamanye amamitha ayizikwele ngezimo ezingekho ngaphansi kwezedlule noma ikakhulukazi ezingcono kakhulu.

Uma lezi zidingo zingahlangatshezwa, noma kunezikweletu zezinsiza zomsebenzi, ukukhokhwa kwentela, okungcono, umthengisi angakweluleka, ukubheka ezinye iziphakamiso, izinkinga ezimbalwa ngokuya ngokubhaliswa nemiphumela engaba khona.

Ukutholwa kwefulethi ngaphandle kwelungelo lokugcina, noma uma abanikazi banezingane ezingabhalisiwe lapho kuhlala khona abazali, ukuthengiselana kungahle kwenzeke kubangwa enkantolo ngenxa yokungahambisani nenqubo yezomthetho yokubhaliswa kwayo nokwephulwa kwamalungelo ezingane.

Ukwesekwa kwezomthetho kwehlukaniswa ukuphelela kokuhlaziywa hhayi kuphela kolwazi olutholakalayo noma olutholwe kuziphathimandla zaseRosreestr nasekuphathweni kwezindlu, kepha futhi nasekuqageleni imiphumela yezomthetho engadalwa ukusayinwa kwesivumelwano sokuthenga nokuthengisa. Ngale ndlela, sesivele sibhalile ukuthi yimaphi amadokhumenti adingekayo ukuthengisa ifulethi kulo nyaka kwenye yezincwadi zethu.

Abameli abagxile ezingxabanweni zezezakhiwo banganikela ngezimo zanoma yimiphi imiphumela emibi ngokuzayo.

Umsebenzi wama-realtors ingxenye enkulu ubhekela ukwethula izinto ezitholakala emakethe kumthengi, ukuchaza izici zazo. Noma ngubani angakwenza lokhu ngokwakhe., ikakhulukazi njengoba lonke ulwazi lutholakala ngokukhululeka, futhi ukubuka amafulethi nokukhethwa kwawo ezimweni eziningi kwenziwa kuphela ngokuba khona komthengi. Ubuchwepheshe bokusesha buyazenzekela futhi abuguquki ngokuhamba kwesikhathi.

Kunesigaba sabathengisi bezindlu abanamakhono okuhlola idatha yezomthetho ngezindlu futhi babe nemfundo ekhethekile yezomthetho. Kepha amayunithi anjalo, futhi nezinsizakalo zabo zivame ukubiza kakhulu. Abathembeki kuphela ekusesheni ukunikezwa okuthokozisayo, kepha futhi nokuhlinzeka ukusekelwa okungokomthetho kokuthenga nokuthengisa.

Indima yabathengisi bezindlu ukugcina izindlu ngokungena esivumelwaneni sangaphambi kwesikhathi. Empeleni, izinkontileka ezinjalo zivame ukuqukethe eziningi Hhayi kuphela zomthetho, kodwa futhi amaphutha ohlelo lolimi... Mhlawumbe, eziningi zazo ziphrintwa zisuka kwi-Intanethi ngaphandle kokwenza nezinguquko ezifanele.

Umsebenzi wommeli ukuvikela izintshisekelo zeklayenti, kuyilapho ama-realtors elwela ukuthola izinzuzo ezibonakalayo ezisheshayo. Lokhu kusekelwa iqiniso lokuthi isivumelwano sokukhokha kusengaphambili siphothulwa esigabeni sokuhlolwa kwefulethi. ngaphambi ngibheka ubumsulwa obusemthethweni bezincwadi zezindlu.

Ukubuyiselwa kwemali kwenziwa ngokuvumelana nomthengi kuphela uma kunephutha engxenyeni ye-ejensi yezezakhiwo. Uma ukuthengiselana kungakwazi ukuqedelwa ngezizathu ezizwakalayo, Ngokwesibonelo, ubukhona bokuboshwa, ukwethulwa kwezindlu njengesibambiso sezibopho zemalimboleko nokuningi, umthengisi wezimali akabhekele lokhu... Konke okumele akwenze ngaphansi kwalesi sivumelwano kubhekwa njengokufezeka.

Ngakho-ke, ngokukhokha ngokweqile izinsizakalo zezezakhiwo, umthengi akazitholi iziqinisekiso zokuhlanzeka okungokomthetho kokuthengiselana. Alikho izinga elifanele lokuphepha nokuqagela isenzo esinjalo somthetho.

Usizo lommeli lokudlula cishe 2-2,5 Izikhathi ezishibhile kunezindleko zezinsizakalo zezezakhiwo, kuyilapho izinga lokuvikelwa komthengi kangcono kakhulu... Okuningi futhi kuya ngobude bensizakalo kanye namakhono wobuchwepheshe bommeli.

Kule ndaba, izinketho zethulwe ngokuqoqwa okusheshayo kwezimali zokuthengwa kwezindlu eMoscow noma eSt. Petersburg noma ezifundeni. Siyethemba ukuthi lolu lwazi luzokusiza ukuthi uthole amamitha ayizikwele owathandayo ngaphandle kwempahla ebanjisiwe noma yesikweletu. Futhi khumbula ukuhlela okuhle kwezimali, - isisekelo sekusasa eliqhakazile kunoma iyiphi indawo yobudlelwano.

Ekuphetheni, sikweluleka ukuthi ubhekeividiyo yokuthi ungayithola kanjani noma uyonge kanjani imali yokuhlala:

Futhi nevidiyo "kanjani futhi kuphi inzuzo ukuthenga ifulethi (esakhiweni esisha, kwesibili) ngaphandle kwabalamuli":

Bafundi abathandekayo bephephabhuku i- "RichPro.ru", uma unemicabango ngesihloko sokushicilelwa noma isipiliyoni sokuhola nokonga ifulethi, shiya imibono yakho nempendulo yakho kuleyo ndatshana. Ngiyabonga kusengaphambili!

Bukela ividiyo: Uncle Papi - Eenhana Vibe ft Young T Wokongha OFFICIAL AUDIO (May 2024).