Ungalithenga kanjani ifulethi (ekubanjweni kwempahla, kumali yokubeletha, kancane kancane, ngemali) - imiyalo yesinyathelo ngesinyathelo yokuthenga ifulethi ngaphandle komthengisi wezindlu + uhlu oluyimpoqo lwemibhalo yokuqinisekisa

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Sawubona, bafundi abathandekayo be-Ideas for Life! Namuhla sizokhuluma ngendlela yokuthenga ifulethi ngendlela efanele: imali ebanjiswayo, ngemali yokubeletha, ngezitolimende noma ngokheshi, futhi ngikutshele nokuthi ungayihlola kanjani ifulethi ukuthi ihlanzekile ngokomthetho yini nokuthi imaphi amadokhumenti adingekayo lapho uthenga ifulethi kumthengisi.

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

Kumuntu ngamunye, enye yezinkomba eziyinhloko zempumelelo ukutholakala kwendawo yabo yokuhlala. Kulokhu, akubalulekile kuphela amavidyo efulethini noma endlu, kepha futhi nokuhlelwa kwendawo yokuhlala. Phakathi kwezinye izinto, ifulethi lingadlala indawo yendawo lapho umuntu angachitha khona isikhathi esiningi, kuyilapho kungaba yindlela yokonga imali.

Ukuthengwa kwamafulethi bekulokhu kuthathwa njengebhizinisi elinenzuzo, ngoba ukwehla kwamandla emali nokwehla kwamandla emali ezimweni eziningi kukhuphula inani laso ngokuhamba kwesikhathi. Futhi lezi zimo kade zaba yisici sezwe.

Ngokuya ngakho konke lokhu, singaphetha ngokuthi ukuthenga ifulethi kufanele kulashwe kakhulu ngokuzibophezela. Le nqubo ayibizi nje kuphela, kepha futhi iyinkimbinkimbi, ngakho-ke izinkinga zigwenywa kangcono. Izinto ezihlongozwayo zethiyori ezineseluleko esiwusizo kubathengi bendawo yokuhlala zizokusiza ngalokhu.

Kulesi sihloko, sizobhekisisa la maphuzu abalulekile alandelayo:

Isigaba sokulungiselela. Kukuyo lapho kunqunywa khona yonke imikhakha yezinqubo eziqhubekayo, isibngubani ozobamba iqhaza ngqo ekufuneni izindlu nomhlaba.
Izici ezithinta ukwakheka kwezindleko zezindlu ezilungele ukuthengiswa. Kuzobuye kwethulwe nezeluleko ezikuvumela ukuthi unqume ngokuzimela ukuhambisana nesimo sesilinganiso sentengo ethile, ukuze ungakwazi ukukhokha ngokweqile lelo flethi, okuthi ngasizathu simbe libize ngaphezu kokunconywa ngochwepheshe.
Kukuziphi izimo lapho umthengisi eyisilinganiso esidingekayo, futhi ungathembela kuphi ngokuphelele ngokuphelele kuwe? Ungamkhetha kanjani umlamuli ofanele uma ungenasikhathi noma isifiso sokufuna indawo yakho wedwa?
Izindlela ezithandwa kakhulu zokuba ngumnikazi wefulethi. Kulokhu, kuzobhekwa zombili izimpendulo zombuzo: “uzothenga kuphi futhi kubani”, nokuthi “yini okufanele uyenze uma ingekho imali”. Iphuzu lesibili lifaka ukuhlaziywa kwemithombo engaba khona ezosiza ukumboza izindleko zokuthenga indawo yokuhlala.
Izici zokuthenga ifulethi elinempahla ebanjiswayo. Izobheka hhayi kuphela izinzuzo nezinkinga ezinkulu zale ndlela, kepha nezeluleko eziyisisekelo zalabo abathathe isinqumo sokuyisebenzisa. Phakathi kokunye, kuzohlaziywa izincomo eziyinhloko zokukhetha ibhange.
Ithuba lokuthenga ifulethi usebenzisa izimali ezinkulu zokubeletha.
Ama-nuances amakhulu ahlobene nokuthengwa kwendawo yokuhlala endlini esanda kwakhiwa. Lapha, kuzonakwa ngokukhethekile izingozi ezinkulu ezingase zivele ngesikhathi sokutholwa kwefulethi ngentengo ekhangayo esakhiweni esisha.
Izici ezifanele kakhulu ezithinta impumelelo yokuthenga izindlu eMoscow naseSt.

Phakathi kwezinye izinto, kakhulu imibuzo ethandwayo abantu abahlela ukuthenga ifulethi, kanye nezimpendulo ezibanzi bazonikezwa zona. Konke lokhu kuyadingeka ukuze noma yimuphi umuntu angakwazi ukudideka ngomzuzu obaluleke kakhulu futhi abe nethuba lokutshala izimali zakhe endaweni efanelekile yokuhlala. Sikhulume ngokuningiliziwe mayelana nokuthi bangabeka kuphi imali ukuze basebenze futhi benze inzuzo kolunye lwezincwadi zethu zangaphambilini.

Kumele kuqashelwe ukuthi ukunakwa okukhethekile kuzokhokhelwa emithonjeni eminingi yezimali ngasikhathi sinye, kanye nodaba oluphuthumayo:Yikuphi ifulethi elingcono: kuthengwe kunjiniyela, usonkontileka noma umnikazi?»Noma kunjalo, inketho ngayinye inezinzuzo. Indawo yokuhlala esakhiweni esisha izobe isesimweni esihle futhi, ngokunokwenzeka, izokwazi ukuziqhayisa ngesakhiwo sesimanje. Kepha ifulethi "elisuka esandleni", okungukuthi, lapho abantu asebeke bahlala khona, lingahle lihlukaniswe ngokulungiswa okuhle kanye nefenisha encane.

Ungalithenga kanjani ifulethi ngendlela efanele futhi enenzuzo (ngokukhokha okungu-100% okheshi, okubanjiswayo, uhlelo lwezitolimende, imali yokubeletha), imiphi imibhalo edingekayo ukuthenga ifulethi nokuthi ungalihlola kanjani ifulethi ngaphambi kokuthenga - funda lolu daba

1. Ukuthenga ifulethi - ukulilungiselela kahle nangokuphepha 📋

Njengoba kushiwo ngaphambili, uthenga ikhaya lakho - udaba oludinga indlela elinganiselayo nokuzimisela okwanele. Lokhu kuyaqondakala: ngobusuku obubodwa kuzofanela uvalelise kunani elikhulu lemali abanye ababengeke bakwazi ukulithola empilweni yabo yonke. Kungakho, kuyadingeka ukuthatha isimo sokuzibophezela kuzo zonke izinqubo ezidingekayo nasesigabeni sokulungiselela, ukuphothulwa ngempumelelo okuqinisekisa uhhafu wempumelelo.

Kungcono ukuzijwayeza ngokushesha lonke ulwazi olunikeziwe ukuze ekugcineni ungalahlekelwa yisikhathi noma imali uma kwenzeka ukuthi ifulethi elithengiwe lingabi lihle njengakuqala.

Into ukuthi abathengisi bendawo yokuhlala (bobabili abantu abajwayelekile kanye nabathengisi bezindlu) kaningi abalitsheli lonke iqiniso ngalokhu noma leyo ndawo, okusho ukuthi udinga ukuba uhlome ngokuphelele ukuzilungiselela noma yimuphi umphumela wemicimbi.

1.1. Okubalulekile lapho uthenga ifulethi

Ngakho-ke, esigabeni sokuqala (isigaba sokulungiselela) udinga ukuqeda le misebenzi elandelayo:

Umsebenzi 1. Thola umuntu ozobandakanyeka ngqo ekufuneni ifulethi elifanele

Kungaba ngumnikazi wesikhathi esizayo uqobo kanye nomphathiswa. Umkhuba ovame kakhulu ukuheha umthengisi... Ngaphezu kwalokho, ezimweni zombili, kuzodingeka ucabange ngayo yonke into. Kodwa-ke, ukubandakanyeka komuntu wesithathu oneziqu ezanele kungenza lula inqubo yokusesha futhi akhohlwe ngobunzima obuhlukahlukene nezinkinga ezingaba khona. Umuntu onolwazi uzosondela kahle ekukhetheni indlu.

Umthengisi onolwazi, Okokuqala nje, inesisekelo esanele seminikelo evela kubathengisi abahlukahlukene futhi, Okwesibili, uyazi okufanele ukunake lapho uthenga ifulethi... Ngaphandle kwakho konke lokhu, nakanjani uzothatha ikhomishini ngomsebenzi wabo, ngakho-ke umugqa wangezansi ungakhuphuka kakhulu.

Umsebenzi 2. Kuyadingeka ukunquma masisha isabelomali esihlelwe ukuthi sabelwe ukuthenga ifulethi, ngokushesha kufaka phakathi izindleko ezingezekile ezingaba khona

Ikhomishini yezezindlu ivame ukubizwa ngezindleko ezisizayo ezifihliwe. Ekuthengisweni kwezakhiwo, ochwepheshe abebesebenze isikhathi esingaphezu konyaka bathatha kusuka ku-2% kuya ku-6%... Ngokulandelayo, labo abafuna ukuthenga indawo yokuhlala kuzofanela bakhokhe okungenani usizo ukuze bakhethe inketho efaneleke kakhulu 0,5%, futhi isilinganiso esiphezulu sithi 3%.

Ngenxa yalokho, udinga ukuhlola ngokushesha ukonga okungaba khona uma uthatha inkinga yokukhetha indawo yokuhlala ngokuzimela (ngaphandle kombusi)futhi uqhathanise nezingozi ezilindelekile.

Ngaphezu kwalokho, ungakhohlwa ukuthi ngemuva kokuthenga ongakudinga izimali ezengeziweokuphathelene nokubhaliswa kabusha kwemibhalo, ukulungiswa kanye nokuthengwa kwefenisha.

Umsebenzi 3. Kuyadingeka ukwakha kusengaphambili uhlu lwezidingo ezizobekwa phambili efulethini ngalinye elibhekwayo

Ngesikhathi esifanayo, ungakwazi ngokuzimela noma ngosizo lomthengisi ujwayelane nenani elikhulu lokunikezwayo, bese, unciphisa izingozi, khetha izinketho ezithakazelisa kakhulu. Kungcono kuqala ukunquma ama-nuances amakhulu, abaluleke kakhulu, ukuze ngokuzayo kungabikho izinto ezingakuholela endleleni ehlosiwe.

Ngokwesibonelouma kumuntu iphuzu elibaluleke ngokwanele indawo yokuhlala (akawubekezeleli umsindo), futhi unikezwa ifulethi likanokusho elinokulungiswa okusha nokuhlelwa okuhle, kepha eduze kwezitolo ezinkulu ezisebenza sekwedlule isikhathi, kungcono ukucubungula enye inketho kulokhu. Into ukuthi endaweni enjalo kuzohlala kukhona i-hum engeke isuswe. Kungakho kudingekile ngaphambili nquma ngohla oluncane lwezidingo okumele ukuthi indawo entsha yokuhlala ihlangabezane nayo ngaphandle kokwehluleka.

Inhloso 4. Kuyafaneleka ukwenza ukuhlolwa kobungozi

Ukukhetha okuzimele kwezindlu zokuhlala noma ukutshalwa kwezimali okuzayo kunama-nuances amaningi. Vele, uzokwazi ukonga imali, kepha kuzofanele uhlangane mathupha nomthengisi ngamunye, futhi abantu bahlukile.

Ngasikhathi sinye, kunzima ukuzimela ngokuzimela ngezinto ezahlukahlukene ezenza ukuthi kukwazi ukuhlola ukuthi ifulethi lifaneleka kahle kangakanani. Can, isib, abhekane neqiniso lokuthi umthengisi uzothula mayelana nomakhelwane abanomsindo, ngokulungiswa okwenziwe ngokuxhamazela, noma enye into uchwepheshe azoyinaka ngokushesha. Yingakho, uma kunesifiso sokubheka ngokuzimela ifulethi ongalithenga ngaphandle kokusebenzisa izinsiza zomthengisi, kungcono ukuhlola kusengaphambili izinga lobungozi.

Ngemuva kokuqeda zonke lezi zinyathelo ezingenhla, ungaqhubekela kumaphoyinti abalulekile alandelayo.

1.2. Yini ongayikhetha: imakethe yezindlu eyinhloko noma yesibili - ubuhle (+) nobubi (-) bazo zombili izinketho

Kumele kuqashelwe ukuthi imakethe ye-real estate iqukethe izingxenye ezimbili: kusuka ezindlini okuyinhloko futhi kwesibili... Yingakho wonke umthengi wezindlu angahle aqonde lesi sigaba futhi azi kahle ukuthi yini ayidingayo.

Ake sicabangele lezi zinhlobo ezimbili ngokuningiliziwe.

Izindlu zokuqala - leyo esanda kwakhiwa yathunyelwa. Ngakho-ke, kufaka konke amafulethi ezakhiweni ezintsha, ezingakaze zibe ngezomuntu siqu ngasese.

Kungakho isitatimende esilandelayo siyisihlukanisi esibalulekile: izindlu zokuqala Akuyona nje indawo yokuhlala endlini esanda kwakhiwa. Lokhu, okokuqala kunakho konke, ingcebo esaphethwe ngunjiniyela. Phambilini ibingakathengiselwa noma ngubani, okusho ukuthi umthengi wokuqala uzoba umnikazi wayo wokuqala phakathi kwabantu.

Kulokhu, ungathembela ekutheni abaqashi abangaphambilini abonakalisanga lutho, nokuthi izakhiwo zikwifomu labo langempela.

Isifiso sokuba umnikazi wokuqala kuleli cala singaba njengoba sinjalo okusebenzayo (abanye abantu abenzanga lutho kuleli gumbi okwamanje), futhi imibono (Ngifuna nje ukuba ngumnikazi wokuqala wefulethi ukuze ngiqiniseke ukuthi akukho okubi okwake kwenzeka kulo ngaphambili).

Izindlu zesibili - eyodwa esivele ingeyomthengisi. Ngaphezu kwalokho, ungumuntu (umuntu ojwayelekile othengisa indlu yakhe). Kufanele kukhunjulwe ukuthi iminyaka yendlu ingahluka ebangeni elikhulu. Kungaba kuhle ngokwanele okusha (umuntu oyedwa uthenge indawo yokuhlala esakhiweni esisha, wabe esenquma ukuyidayisa kabusha), futhi 100-ubudala... Kulokhu, kuzodingeka ukuthi ufunde ngokucophelela hhayi kuphela izindlu uqobo, kepha futhi nesimo sebhilidi.

Uma indlu indala kakhulu, khona-ke kungavela izinkinga ezinkulu ezihambisana neqiniso lokuthi izinto ezisetshenzisiwe sezivele zisebenzile isikhathi sazo. Ngasikhathi sinye, ezinye zezindlu ezindala zingafakwa ohlelweni lokudilizwa, futhi izakhamizi, ngokuthengisa amafulethi azo kubantu abakhohliseka kalula, zinquma ukwenza imali nje nokuqeda izinkinga ezingadingekile.

Futhi, umuntu akakwazi ukulahla inketho yokuthi umuntu uzibandakanya nokuthenga amafulethi esakhiweni esisha, ukuwahlomisa bese ethengisa. Kulokhu, kuzokwenzeka, uma kuthengwa, ukuba ngumnikazi wendawo yokuhlala entsha futhi ngokushesha ngokulungiswa okuhle.

Ubuhle nobubi bezindlu eziyisisekelo

Manje ake sizame ukugqamisa okuyinhloko izinzuzo nezinkinga izindlu zokuqala, ngoba ezimweni eziningi isimo sesekondari siphikisana ngqo.

Ngakho-ke kokusobala izinzuzo amafulethi aphethwe ngunjiniyela afaka:

Amanani aphansi uma kuqhathaniswa nezindlu zesibili. Imvamisa kunenzuzo enkulu ukuthenga ifulethi endlini esakhiwa nje. Ngaphezu kwalokho, ezimweni eziningi, isivumelwano siyaphethwa ngomgomo wokubamba iqhaza kokulingana. Lokhu kuvumela ukonga okuphawulekayo. Ngaphezu kwalokho, izakhiwo eziningi azinakho ukulungiswa kwezimonyo, ngakho-ke umakhi wehlisa intengo yempahla.
"Inhlanzeko" yefulethi ngomqondo osemthethweni. Kulokhu, kucatshangwa ukuthi azikho izinkinga ngemibhalo. Kwenzeka ukuthi abanikazi bokuqala, ngemuva kokuthengiswa kwempahla, bangazama ngobuqili ukuyibuyisa. Ngasikhathi sinye, uzishiyela imali usebenzisa ubuchwepheshe bokukhwabanisa. Esinye isici - akekho noyedwa owake wabhaliswa ezindlini eziyinhloko, okusho ukuthi akumele kube nezinkinga nalokhu. Okwe "izindlu zesibili", kunamacala ahlala ekhona phakathi kwabantu ababhalisiwe nomnikazi mayelana nokungahambisani kokuthengiswa kwempahla. Phakathi kokunye, leli fulethi, elingakafakwa kumnikazi wanoma ngubani, alinawo umlando, okusho ukuthi akumele kube nezinkinga.
Ubusha nokusetshenziswa kwezinto zanamuhla nobuchwepheshe. Kumele kugcizelelwe ukuthi ifulethi elisesakhiweni esisha ngeke lidinge ukulungiswa okuyinkimbinkimbi okuvela kubanikazi balo. Ngaphezu kwalokho, asikho isidingo sokuthuthukisa izinhlelo ezahlukahlukene zokuxhumana.

Yiba nezindlu eziyisisekelo kanye ukulinganiselwa:

Indawo yendlu. Akuyona imfihlo ukuthi izakhiwo ezintsha zivame ukutholakala emaphethelweni edolobha, noma lapho kunesikhala esikhululekile khona. Ezimweni ezinjalo, ngokuzayo, kungavela izinkinga ezihlobene nokuba kude nokuhlangana kwethrafikhi nengqalasizinda engathuthuki kahle.
Inqubo eyinkimbinkimbi yokubhaliswa kwamalungelo omnikazi. Lapho uthenga ikhaya eliyinhloko, kufanele kukhunjulwe ukuthi kungachithwa isikhathi esiningi ekukhipheni amadokhumenti aqinisekisa iqiniso lobunikazi bempahla. Ngesikhathi lapho amalungelo empahla ese-limbo, ngeke kubhaliswe.
Ukuntuleka kokugqokwa. Enye yezinkinga ezinkulu zamafulethi esakhiweni esisha yisidingo qeda ngokuzimela, okungukuthi, ukulungiswa kabusha kuzowela emahlombe abanikazi abasha.
Ingozi eyengeziwe yokulahlekelwa yimali ngokubambisana nezinkampani zentuthuko eziye okungabazisayo isithunzi. Kunezindaba eziningi (futhi mhlawumbe wonke umuntu uzwile ngazo okungenani kanye) ukuthi amafemu angathembekile adweba yonke imibhalo edingekayo, aqale ukwakha, athola imali kubaqashi besikhathi esizayo, futhi ekugcineni anyamalale ngokushesha ngemuva kokukhokha. Abakhohlisi bamane bashiye isiza sokwakha, bashiye abanikazi abanenhlanhla ngamaphepha, kepha bengenafulethi nemali.

Izinzuzo nezinkinga zezindlu zesibili

Ngokuqondene nezindlu zesibili, okuningi kuyacaca kusuka kumaphoyinti asevele efakwe kuhlu ngaphezulu. Kungabiza kakhulu, kepha ikulungele ukungena ngokushesha. Njengomphumela, izinkinga zingavela kuphela ku- zomthetho ukuhlela. Yingakho kukhona umthetho owodwa olula: ngaphambi kokuthenga, udinga ukubuza umthengisi isitifiketi sokuthi konke kukhishwe endlini. Ukuyithatha kulula, ngakho-ke umnikazi wempahla ohloniphekile ofuna ukuyithengisa ngeke anqabe lapho ezwa leso sicelo. Sesivele sixoxile ukuthi ungathengisa kanjani ngokushesha indlu kwenye yama-athikili adlule.

Ngaphezu kwalokho, udinga ukuqinisekisa ukuthi ifulethi alinazo izikweletu zokusetshenziswa, ukuze ngokuzayo kungabi nezinkinga nenkampani yabaphathi (i-MC) noma inhlangano yezezakhiwo (TSN).

Kuyafaneleka futhi ukubheka ukuthi ngabe leli fulethi liqashiwe yini ngokwemibhalo. Uma othile esevele eyiqashile futhi wakhokha isikhathi esithile sokuhlala, khona-ke unelungelo lokuhlala kulelo fulethi isikhathi esithile. Kusho ukuthi awukwazi ukuwuthengisa.

Kunoma ikuphi, udinga ukubuza ngalezi zinki ukuze ungalahlekelwa yimali yakho, futhi futhi ungazenzi izinkinga. Kungakho kungcono ukungazibandakanyi nabantu abacela inani elincane lendlu yabo, futhi abangakwazi ukusho izizathu ezizwakalayo zokupha okunjalo.

Okudingayo ukuhlola ngaphambi kokuthenga ifulethi: UNGALITHEMBI - hlola KONKE!

2.Ungayihlola kanjani ifulethi ukuthi ihlanzekile uma uthenga uwedwa nokuthi yini okudingeka uyazi (ukuthi yini okufanele uyibheke) ngaphambi kokuyithenga

Njengoba kushiwo ngaphambili, ukukhetha impahla efanele kunzima. Ngemuva kwakho konke, umnikelo onenzuzo ungafihla uhlobo oluthile lwenkohliso ngemuva kwawo: kusuka engabalulekile (iphepha lodonga ngemuva kwekhabethe seliphumile) kuze kube sina (kuhlale kubanda ebusika ngenxa yamabhethri amadala adinga ukushintshwa ngokuphuthumayo).

Uma kwenziwa isinqumo sokuthenga indlu ngokwakho, kuzodingeka ufunde ngokucophelela amadokhumende ahlukahlukene, futhi uzame ukubheka indlu usebenzisa izindlela ezizochazwa ngezansi.

Ngenxa yezinqubo ezethulwe ngezansi, kuzokwazi ukuhlola ubungozi bokuthenga nokuthengisa uqobo, kanye nokunciphisa izindleko ezingaba khona. Zingahlobene nokulungiswa nokuhlelwa kwemibhalo.

Futhi, imithetho elula izosiza ukugwema imiphumela emibi kakhulu yemicimbi - ukuqulwa kwecala nezakhamuzi zangaphambili noma abanikazi.

Manje ungayihlola kanjani ifulethi lapho uthenga? Ngabe inqubo ihlukile uma kuhlaziywa izindlu zamabanga aphansi nezesibili? Ungakwenza konke ngokwakho? Ingabe kukhona okungenakwenziwa ngaphandle kwe-realtor, noma kusukela ekuqaleni kuze kube sekugcineni ungathembela kuwe kuphela, ubhekane nemibhalo efanele. Ake sizame ukunikeza izimpendulo kuyo yonke le mibuzo ebucayi.

2.1. Ungahlola kanjani ukuhlanzeka kwefulethi lapho uthenga emakethe yezindlu zesibili 🔎

Le nqubo inakwa ngokukhethekile lapho kwenziwa isinqumo sokuthenga ingcebo "ezandleni", okungukuthi, kumuntu ozimele.

Isinyathelo sokuqala ukuhlaziya ukuthi bangaki abanikazi efulethini ebenalo (uma kuvela ukuthi baningi, khona-ke kungahle kube nezinkinga ezivela kwabanye abantu), obhaliswe kulo, futhi besinjani isimo sabo (abahola impesheni, abakhubazekile, izingane, njll.) ...

Phakathi kwezinye izinto, Ukunakwa okukhethekile ikhokhelwe ukuthi impahla ayithathiwe, noma ngabe ibhalwe ohlwini lwefa lomunye wabanikazi.

Kuyafaneleka futhi ukuhlola ukuthengiselana kwangaphambilini nefulethi. Kungcono ukugwema impahla ebiphethwe ngesikhathi esifushane enkulu inani labantu. Kuphakathi kokuthi kukhona okungahambi kahle ngaye, noma kusetshenziswa uhlelo oluthile lokungathembeki (olungabazisayo). Kungcono ukuzisindisa, izimali zakho nesikhathi bese udlula ngumthengisi osolisayo.

Kulesi sigaba sokuqinisekisa, udinga ukuthola zonke izimvume ezidingekayo zokuthengisa, uma zikhona.

Kukuziphi izimo lapho kufanele unakekele imvume yomuntu wesithathu yokuthengisa indawo yokuhlala? Ake sibheke izibonelo ezimbalwa:

Umnikazi wefulethi ushadile. Kulokhu, kubalulekile thola imvume oshade naye wesibili ngokuthengisa izindlu nomhlaba, lapho emshadweni kungabhekwa njengokutholwa ngokuhlanganyela. Uma lingekho iphepha elidingekayo, okwenziwayo kungenzeka kungenzeki, noma ngaphansi kokuhlangana kwezimo, kuzophumelela, kepha izinkinga zingavela ngokuzayo.
Uma umnikazi engakafiki eminyakeni yobudalaokungukuthi, ngokomthetho, iminyaka yakhe ayimvumeli ukuthi azilahle ngokuzimela impahla yakhe, ngakho-ke kubalulekile faka isicelo semvume yomzali (umbheki)... Kungemva kwemvume yabo esemthethweni (ebhalwe phansi) lapho ungaqala khona ukulungiselela eminye imibhalo.
Uma kwenzeka kuthengiswa isabelo sempahla (indodana yanquma ukuthengisa ingxenye yefulethi likanina, futhi indodakazi enengxenye yayo ayifuni ukwenza lokhu), kuzodingeka uye kumnikazi wesibili (uma kukhona eziningana zazo, kulowo nalowo) ukuthola lokho okuthiwa "Idokhumenti yokuzihlangula", okuzophikisa ukuthi amanye amaqembu awathandi ukuthenga lesi sabelo. Lokhu kwenziwa ukuze umnikazi ngamunye we-real estate, ohlukaniswe phakathi kwabantu abaningana, akwazi ukusebenzisa ilungelo lakhe elibalulekile lokuthenga uma kwenzeka kuthengiswa ezinye izingxenye zomhlaba.

Ngokuya ngesingenhla, kungafinyelelwa esiphethweni esisodwa: ngaphambi kokuthenga ifulethi kumuntu (emakethe yesibili) kuzofanela ngokuningiliziwe ukujwayelana nokwakheka komndeni wakhe, phambi kwabanye abanikazi, abantu abakhubazekile ababhalisiwe.

Imiphi imibhalo okufanele ihlolwe lapho uthenga ifulethi?

Ukuhlaziya yonke idatha, kuyadingeka ukucela ukuvikeleka okulandelayo kumthengisi ongaba khona kusengaphambili:

Umbhalo okhombisa ukuthi umuntu waba nini umnikazi wefulethi elithengiswayo nokuthi nini. Lokhu kufaka phakathi izinkontileka zokuthengisa, ukunikela, ukushintshanisa njll. Uma umuntu athola le ndawo njengefa, kufanele anikeze umthengi isitifiketi esibonisa ilungelo lakhe lokuthola ifa.
Uma ukuthengwa kwefulethi kwenzeka ngokubamba iqhaza kubambiswano lwezindlu, kuzodingeka isitifiketi, esikhombisa ukukhokhwa okuphelele kwesabelo.
Idokhumenti eqinisekisa ngqo ubunikazi bomthengisi othile.

Ukuze ungaweli kumaqhinga abakhwabanisi, amaphepha adingekayo ahlukaniswe 2 amaqembu.

Iqembu lokuqala lifaka: ukunwetshwa, ipasipoti ye-cadastral kanye neplani yaphansi (ngokusho kwale mibhalo, izinkomba ezibaluleke kakhulu zefulethi ziyahlolwa: indawo nokwakheka).

Kunezimo ezaziwayo lapho abathengisi abangathembekile "bavusa" amamitha ayisikwele wempahla esikhangisweni. Kungemva kokuhlolwa okuningiliziwe kwendawo kanye nohlelo lwayo lapho abathengi bakwazi khona ukuthola iqiniso.

Abathengisi abanolwazi, okungathi, akekho omunye umuntu, oqonda lezi zinto, bakweluleka ukuthi unake ushintsho kusakhiwo (uma ngabe sikhona) sendawo yokuhlala. Kuhle uma umuntu onolwazi (realtor) esebenza ngalezi zinkinga, kepha-ke udinga ukuthi ukulungele ukukhokhela izinsizakalo zakhe.

Eqenjini lesibili lamaphephaedingekayo yokuqinisekisa zihlanganisa kukhishwe encwadini ekhethekile yendlu... Ngosizo lwayo, ungazijwayela nohlu lwabantu ababhalisiwe, ukuze ngokuzayo ungadingi ukubasusa.

Kunezimo lapho inhloko yomndeni wedwa wanquma ukuthengisa amafulethi akhe. Unelungelo lokwenza lokhu, kepha udinga ukuthola imvume (imvume) kumkakhe. Angaphikisana nalesi sinqumo futhi anqabe ukuthengisa ifulethi.

Ngaphezu kwalokho, kukho konke ukuphepha okungenhla ngeke kube nzima thola isibongo, igama kanye negama lomnikazi wefulethi... Kusukela ngaphambi kokuqala kwezingxoxo nangaphambi kokuthengiselana uqobo, ababambiqhaza kumele bakhombisane omazisi babo, lapho-ke ungaphinde uhlole ukuthi ngabe lokhu kungukukhohlisa yini. Uma konke kuhlelekile (imininingwane ekuyo yonke imibhalo ihambisana naleyo yepasipoti), ungaqhubeka.

Yini enye ebalulekile ukuyinaka lapho uthenga ifulethi emakethe yesibili

Ngemuva kokuxoxa ngawo wonke ama-nuances nomthengisi nangaphambi kokuya ngqo kummeli olungisa izivumelwano, kudingeka uqiniseke ukuthi bobabili abantu banepasipoti. Uma, ngasizathu simbe, omunye wabahlanganyeli ekuthengisweni kuzodingeka ukuthi anikeze ipasipoti ezongena esikhundleni, le nkinga kufanele ixazululwe ngaphambi kwesikhathi. Lokhu kwenziwa nakanjani ngenxa yezizathu ezimbili:

Abasebenzi bensizakalo yokubhalisa bangavele benqabe amaqembu ukuthi enze inqubo yokuthengisa impahla.
Inqubo yokuthenga nokuthengisa ingabambezeleka, okusho ukuthi okwenziwayo kuzodingeka kuhlehliswe, noma mhlawumbe ngaphezu kokukodwa. Kungahle kwenzeke ukuthi ngosuku lapho ummeli olungisa izivumelwano enza i-aphoyintimenti nemibhalo, ipasipoti izobe ingekho.

Ngokususelwe kokungenhla, kufanele kugcizelelwe ukubaluleka kokuqoqa yonke imibhalo edingekayo yokuhlola ifulethi. Ngeke kube nzima kumthengisi ukuthola eziningi zazo, futhi umthengi uzokwazi ukuhlola ubungozi obukhona futhi athathe isinqumo esifanele.

Uma unikeza ummeli olungisa izivumelwano ngawo wonke amaphepha adingekayo, ukuthengiselana kuzobhaliswa ngesikhathi esifushane. Uchwepheshe uzokwazi ukuhlola umlando wezomthetho (inhlanzeko) yefulethi, okuyisihloko sesivumelwano sokuthengisa, bese enza isiphetho esifanelekile.

2.2. Ungahlola kanjani indlu esakhiweni esisha ngaphambi kokuthenga ubumsulwa obusemthethweni 🏢

Ezweni lesimanje, umkhuba odumile ukuthengwa kwamafulethi ezindlini kuyakhiwa (noma"Isiteji somgodi")... Kulokhu, ukuze yonke into ibe semthethweni, kuyadingeka ukwenza isivumelwano esifanelekile nonjiniyela, okukhombisa ukubamba iqhaza komthengi. Eqinisweni, utshala imali yakhe ngqo enqubeni yokwakha, kuthi ekugcineni kwayo kube umnikazi wefulethi endlini entsha.

Ngaphandle kwalokhu kubonakala obala, kukhona izingozi ezicacile, okungagwemeka kuphela emakethe yezindlu eyinhloko ngokuhlola ngokucophelela yonke imibhalo yonjiniyela.

Ungaqala kuphi ukuhlola iflethi esakhiweni esisha?

Okokuqala, kuyadingeka ukuthi unake okuthuthukisiwe nokwamukelwa ngo-2004 I-Federal Law No. 214, ephathelene nenqubo yokwakhiwa okwabiwe kwezinto ezahlukahlukene zempahla (kufaka phakathi amafulethi).

Wathola amandla asemthethweni ngo-Ephreli 2005th futhi yayihloselwe ukulawula ubudlelwano phakathi konjiniyela nomthengi-zimali. Ngaphezu kwalokho, yenza ukuthi kuncishiswe izingozi zabantu abanquma kanjalo ukuba ngabanikazi bamafulethi.

Ngokwakhe № №214 ilawula kuphela lobo budlelwano obuhlobene ngqo nokutholwa ngonjiniyela wezezimali kusuka kubahlanganyeli bezimali. Ngokufanayo batshala imali ngqo kunqubo yokwakhiwa kwanoma iyiphi impahla.

Federal Law No. 214 - izici zayo

Ake sicabangele izici zezenzo zalesi senzo somthetho esilawulayo esakhiweni sefulethi esakhiwayo. Kumele kuqashelwe ukuthi umthetho usebenza kuphela kulezo zinto zokwakha ezithole imvume yokuqala umsebenzi. ngemuva Ephreli 1, 2005.

Isenzo esijwayelekile sivumela isidingo sokuphothula izivumelwano ezikhethekile, ebezivele sezishiwo ekuqaleni. Kuphela uma kunesivumelwano esisemthethweni sokubamba iqhaza kokulingana, umthengi-umtshalizimali unelungelo lokuvikela impahla yakhe eyakhiwa ohlangothini uthi.

Lapha kulele umgibe wokuqala, ongagwenywa ngokubheka ifulethi elisesakhiweni esisha kanye nokuhlolwa kokuqala kobungozi. Uma unjiniyela enqaba ukwenza isivumelwano esifanele noma ehlongoza ukusayina noma yisiphi esinye isivumelwano, kusuka kuye kungcono uhlale kude, ngoba ukwakhiwa kungenzeka kungapheli nhlobo.

Ngokomthetho ofanayo we-Federal, umninimasheya ngamunye unelungelo lokuhlola amadokhumende alandelayo nonjiniyela:

amaphepha akhona (yonke imininingwane ekuwo kufanele ifane nalawo abekwe esivumelwaneni sezimali sokwakha);
izitifiketi zokubhaliswa kombuso nokubhaliswa kwentela kwenkampani ebandakanyeka ngqo enqubweni yokwakha indlu;
imibiko yezezimali neyebhizinisi efakwe ngendlela evunyelwe ezingeni lomthetho;
konke ukuphepha kwezezimali okutholakalayo kule minyaka engu-3 edlule (ama-balance sheet, ama-akhawunti anokwabiwa okuhleliwe kwenzuzo nokulahlekelwa);
umphumela wokucwaningwa kwamabhuku konyaka odlule lapho inkampani yokwakha yenza imisebenzi yayo yebhizinisi.

Izinyathelo ezibalulekile ze-4 zokuhlola ifulethi esakhiweni esisha

Ukunciphisa ubungozi, udinga ukuhlaziya yonke le mibhalo, futhi wenze lezi zenzo ezilandelayo ukuhlola ifulethi elisesakhiweni esisha:

Jwayela umlando wenkampani kanjiniyela. Ukuze wenze lokhu, udinga ukuhlaziya isipiliyoni sakhe, inani lamaphrojekthi aqediwe ngempumelelo, nokuthi zingaki ezinye izinto ezakhiwayo.
Kungcono ukuthi uhlaziye ngokushesha ukuthi ikuphi inqubo yokwakha ifulethi uqobo. Akufanele ukukhokhela ukwakhiwa kwemali uma kusesesigabeni sokumba, ngoba kulokhu izingozi zizobe ziphakeme ngangokunokwenzeka.
Ungakhohlwa futhi mayelana nokuhlola amadokhumende womuntu ongena ngqo esivumelwaneni samasheya nomnikazi ongaba ngumnikazi wefulethi esakhiweni esakhiwayo. Uma umuntu wesibili esivumelwaneni engeyena ummeleli wonjiniyela uqobo, kepha inhlangano egunyaziwe, kuzodingeka ukuthi uphinde uhlole amadokhumenti ayo. Ngeke kube ngaphezu kokufuna i-ejensi, ikhomishini noma isivumelwano sesibambiso. Amaphepha afakiwe kumele akhombise imininingwane yonjiniyela kanye nommeleli wakhe osemthethwenikanye nokuthi umuntu ogunyaziwe unelungelo lokubamba iqhaza ekuphethweni kwezivumelwano zamasheya.
Bheka amadokhumenti aphoqelekile kunjiniyela futhi adingeka kuye ngokomthetho. Onke amaphepha okwakhiwa kufanele ahanjiswe ngaphandle kokulibala. Ngasikhathi sinye, kufanele aqukethe izinsuku zamanje nemininingwane yangempela yenkampani yokwakha.

Phakathi kwezinye izinto, ngaphambi kokuphothula inkontileka nomqambi, kuyadingeka ukuthi ubheke ukuthi usekuqedile konke izidingo ze-Federal Law No. 214, okungukuthi, ngabe unazo zonke izimvume ezidingekayo namaphepha okubhalisa esiza sendawo lapho kwakhiwa khona ifulethi.

Ukuhlola indlu esakhiweni esisha, kufanele ubheke nakanjani isimemezelo sephrojekthi... Kufanele njalo iqukathe imininingwane efanelekile, mayelana nenkampani yokwakha uqobo nangomsebenzi wesakhiwo esakhiwayo.

Imininingwane yokuthi ungathenga kanjani ifulethi esakhiweni esisha ichazwe endatshaneni yethu ehlukile.

Ngakho-ke, kokubili esimweni sokuthenga ifulethi "ngezandla" futhi lapho ufuna indawo yokuhlala emakethe yokuqala, udinga ukunaka ngokukhethekile ukubheka yonke imibhalo enikeziwe.

Lapho ngokuzimela ufuna indawo yokuhlala ephethwe ngumuntu oyimfihlo (emakethe yesibili), udinga ukubheka izikweletu zombuso, kanye nokungabikho kwabantu ababhalisiwe. Ngokwengeziwe, kuzodingeka uthole imvume kubalingani, abamele abanikazi abancane, kanye nokwenqaba kwabaninimasheya ekuthengeni okubalulekile.

Uma kuthathwe isinqumo sokuthenga izakhiwo esakhiweni esisha ngaphansi kwesivumelwano sokwabelana okwabiwe, ukunakwa okukhethekile kunikezwa ukuphepha konjiniyela. Kufanele uyihlole nakanjani isipiliyoni, futhi Ukutholakala kukho konke izimvume... Kulesi simo, isivumelwano kufanele senziwe nenkampani yokwakha uqobo, noma nomuntu ogunyazwe yiyo. Iqiniso lokuthi unjiniyela udlulisa amalungelo okuphetha izivumelwano zokwabelana enkampanini yesithathu kufanele lishiwo emaphepheni ahambisanayo acatshangelwe ekuqaleni.

Izinketho ezithandwa kakhulu zokuthenga ikhaya

3. TOP-7 izindlela zokuthenga ifulethi 📑💸

Noma ngubani ohlela ukuba ngumnikazi wefulethi elisha ubhekana nezinkinga eziningi ezidinga ukuxazululwa. Ezinye zazo sezivele zicatshangelwe phambilini esigabeni sokulungiselela. Ngaphezu kwalokho, kuqala imibuzo ecindezelayo: ungayithathaphi imali yokuthenga ifulethi, noma iyiphi indlela engcono yokwenza ukuthengiselana? Ngabe kungcono ukukhokha yonke into ngasikhathi sinye, usebenzise yonke imali oyongile noma uboleke kubangani, uthole imali mboleko noma imali ebanjiswayo, unikeze ingxenye nyangazonke bese ukhokha ngokweqile inani elilingana nenzalo yasebhange?

Cabanga ngalokhu izindlela ezithandwa kakhulu zokuthenga indlu yakhongokuwahlukanisa ngokuthi imali izokhokhwa kanjani nokuthi kuzoba yini umthombo woxhaso.

Indlela 1.Ukuthengwa kwemali okuqondile

Kulokhu, sisho indlela ebanal kakhulu futhi elula yokuthenga ikhaya lakho. Umuntu udinga ukuqoqa inani elithile lemali (empeleni, ungacela abangane bakho noma izihlobo ngengxenye elahlekile) bese ukhokhela yonke into ngokheshi ngasikhathi sinye (ngokusebenzisa umthengisi wezimpahla noma ngokuxhumana ngqo nomthengisi). Ngale ndlela, sesivele sibhalile mayelana nokuthi singayonga kanjani imali ngokufanele kwenye yezincwadi zethu.

Yize ilula, le ndlela iyona ehamba phambili uvalo... Isikhathi esiyingozi kakhulu inqubo idlulisa imali, futhi inani ngokusobala likhulu impela. Ngenxa yalokhu, bazodinga ukulethwa lapho kuthengiselana khona (ngokwesibonelo, ehhovisi lommeli wommeli-zincwadi), futhi baphinde badluliselwe ngokugcwele kumnikazi wefulethi.

Kuyadingeka uku ngokuphelele buyekeza ngokucophelela indawo yokuhlala, futhi uhlole wonke amadokhumenti efulethini. Kumele abe sesimeni esihle futhi abe nokuthula "Kuhlanzekile ngokomthetho".

Ukunakekelwa okukhethekile kuzodingeka kukhokhwe indlela yokudlulisa imali. Okokuqala nje, kumele nivumelane ngesikhathi nendawo. Kungcono ukuya kuye ngetekisi ukuze kungabi bikho okwenzekayo endleleni. Okwesibili, udinga ukuqinisekisa ukuthi ukusayinwa kwenkontileka yokuthengisa kuzokwenziwa ngokushesha ngemuva kokuthi umthengisi athole imali. Kungakho kungcono ukwenza yonke imisebenzi yezimali kanye notary.

Vele, ngaphandle kwalezi zinguquko, ubulula nokucaca kwemali uma uthenga ikhaya lesibili kunquma ukuthandwa kwale ndlela. Kuze kufike ku-90% Izindawo zokuhlala emakethe yamafulethi ezaziphethwe ngabantu zenziwa ngosizo lwemali yamaphepha.

Into ebaluleke kakhulu okufanele uyikhumbule ukuthi amalungelo empahla adluliselwa kumuntu onqume ukuthenga ikhaya. Imvamisa kuza ngokusebenzisa 10 ezinsukwini ngemuva kokulethwa kwemibhalo, okungukuthi, ngesikhathi sokubhaliswa kokuthengiselana phakathi kwabantu.

Ngokuya ngalokhu, kuphakama umbuzo: Ngisiphi isikhathi esihle sokudlulisa imali? Futhi lapha izinketho ezimbili zingenzeka:

Nikeza yonke imali ngaphambi kokuqala kwenqubo yamaphepha ngokucela irisidi. Kumele kukhombise iqiniso lokuthi umthengisi uthole imali, ezobhekwa ngenkathi kuthengiswa ifulethi lakhe kuye.
Dlulisa imali ngemuva kokuphothulwa kwenqubo yokubhalisa impahla.

Vele, indlela yesibili ayithembeki njengokuqala. Akwamukelekile kumthengisi othembekile ongawela imikhonyovu futhi alahlekelwe yifulethi ngaphandle kokuthola iphenathi.

Futhi, ayifanele umuntu osidinga ngempela lesi sikhala sokuphila esithile. Umthengisi, ongakayitholi imali, angakhansela ukuthengiselana nganoma yisiphi isikhathi, isibngokuthola omunye umthengi onikela ngokunikela ngokushesha okukhulu.

Kunezindlela eziningi zokunciphisa izingozi:

ukwenziwa kwerisidi eqinisekisiwe (lokhu bekuvele kushiwo ngaphambili);
ukukhetha indawo enabantu abaningi yokudlulisa izimali (kungcono ukuba namakhamera lapho);
funa ofakazi abakhethekile okuthi, uma kwenzeka okuthile, bazokwazi ukufakazela ukuthi ukuthengiselana kube yimpumelelo;
ukuqasha ibhokisi lediphozi eliphephile, lapho ungabeka khona yonke imali bese unikeza ukhiye kulo ngemuva kokuthola amalungelo obunikazi;
usebenzisa insizakalo ekhethekile yokuthola izaziso, ngubani ongathatha lonke inani ngephesenti elincane alidlulisele kumthengisi ngemuva kokuqedwa kwawo wonke amadokhumenti.

Ngale ndlela, ukuthenga iflethi ngemali - indlela icacile futhi ilula, yize ngasikhathi sinye ibonakala ngezingozi ezingaba khona. Bangancishiswa ngokulandela izeluleko ezinikezwe ngenhla.

Indlela 2. Ukuthenga indlu enesibambiso

Le ndlela iya ngokuya ithandwa futhi ivame ukusetshenziswa yilabo bantu abathatha isinqumo sokuthenga ikhaya eliyinhloko, okungukuthi, lelo okusengumnjiniyela.

Indlela yesibili yokuthola ingcebo ukuthenga ifulethi kubambiso

Imali mboleko ilungele labo abafuna ukuthatha ubunikazi bempahla, kepha abanayo yonke imali edingekayo yokuthenga ifulethi elisha. Kuliqiniso, isimo sokubamba iqhaza ekubambeni kwempahla singekho umholo ophakeme futhi ozinzile.

Ngakho-ke, uma umuntu engenayo imali eyanele, uyasebenza kwempahla ebanjiswayo... Yenzelwe ngqo labo abahlala lapha futhi manje, okungukuthi, kubantu abafuna ukuhlomisa indawo yabo kulo nyaka, hhayi eminyakeni eyishumi nambili.

Kumele kuqashelwe ukuthi ubukhulu bezinga lokubolekwa kwemali buhlukile ezifundeni ezahlukahlukene zaseRussia. Ifaka phakathi 10.5% vs. 14%... Ngasikhathi sinye, ibhange livame ukuthi lifune ukuthi umuntu akhokhe inani elithile lokuqala (ukukhokha phansi), okuhluka ngaphakathi 10-40 iphesenti.

Izinga lenzalo lincike, okokuqala, ebhange uqobo. Nguyena ozothinta inkokhelo ephelele ngokweqile futhi ashintshe ngokungaqondile inkokhelo yanyanga zonke, lapho "izibonelelo" ezicacisiwe sezitshaliwe ngamabomu.

Ngokuya ngalokhu, imali mboleko iyazuzisa kulabo abafuna ukuthenga ifulethi, kepha abanazo zonke izimali. Ngakolunye uhlangothi, inkokhelo yanyanga zonke inyuka kakhulu, okungeyona neze into emnandi. Sibhale ukuthi ungayikhetha kanjani imali mboleko yemali mboleko enenzuzo enkulu ku-athikili edlule.

Ukuqonda isikali sezinhlelo zokubolekwa kwemali, kwanele ukuhlaziya inani lemalimboleko yalolu hlobo ebhaliswe neFederal Registration Service (Rosreestr) izinyanga eziyisithupha zango-2015. Ngenxa yalokho, ngalesi sikhathi cishe imali mboleko engama-533,000... Lokhu kusho ukuthi cishe inani elifanayo lemindeni linqume ukuzithengela ifulethi ngaphandle kokuba nemali ephelele esandleni.

Ngithanda ukugcizelela ukuthi ukubhaliswa kwempahla yendlu kumele kuthathwe ngokungathi sína. Ngaphambi kokuthatha isinqumo sokuthenga ifulethi ngesikweletu, okuzofanele likhokhwe njalo ngaphakathi 15-30 iminyaka (futhi amanani azoba makhulu kakhulu), kufanele uqale ucabangisise. Futhi imibono yabantu ngalolu daba iyehluka.

Ingxenye enkulu yomphakathi imemezela ngokuzethemba ini imali ebanjiswayo Ingabe "ukugqilazwa kwemali"okungamukeleki ngekhulu lama-21... Ngokwabantu abanjalo, udinga ukuthi ubheke izindlela zokukhokhela ifulethi ngokushesha, ngaphandle kokuya kosizo lwamabhange, noma ubheke ezinye izindlela zokwenza ngcono izimo zokuphila.

Umbono onjalo ongemuhle usekelwe ku- isizathu sangempela... Vele, ngamunye wethu uhlala eveza amandla akhe kancane kancane. Cishe wonke umuntu ukholelwa ukuthi kungenzeka ukhokhe imali mboleko ngaphambi kwesikhathi uma ugcina isikhathi esithile, uzincisha izinto ezivamile: ukuhamba, ukungadli kahle nokonga izingubo. Kodwa-ke, empeleni, lokhu cishe akunangqondo, ngoba abaningi bayayeka ezinyangeni ezimbalwa nje.

Embusweni wezomnotho ophelele, lapho kufanele usebenze imini nobusuku, ngokushesha okukhulu kuvela inqala emhlabeni okuzungezile, ukukhathala kuyanqwabelana. Umuntu uvele awele ekucindezelekeni, axabane nezihlobo, futhi angahle aphelelwe nawumsebenzi, abekade enethemba lokuthi uzokhokha ngawo imali ayibolekile. Imininingwane yokuthi ungaphuma kanjani ekucindezelekeni ungaphinde uwele kukho ichazwe endatshaneni yethu ehlukile.

Kungakho kunoma yisiphi isimo kwanele ukulandela umthetho owodwa nje wokubolekwa kwempahla - khetha inkokhelo yangempelalokho ngeke kuthinte ngokuyisisekelo indlela yokuphila yansuku zonke... Ukukhokha inzalo kufanele kube ngumsebenzi ongemuva, hhayi inkinga yansuku zonke nokucindezela. Kungcono ukuyeka ngokushesha umcabango wokubolekwa kwemali uma imali engenayo ingenkulu kakhulu. Ngempela, esimweni esinjalo, kuzodingeka unikele cishe yonke into futhi uzincishe injabulo yansuku zonke.

Ngaphesheya 30 iminyaka lapho imalimboleko ikhokhelwe, kuzodlula isikhathi esibucayi sempilo. Ngemuva kwalokho umbuzo uzovela: bekufanele?

Ukugwema izinkinga, kungcono ukukhawulela inani lokukhokha elihleliwe libe ngu 30% okuphezulu 40% wemali engenayo yomndeni isiyonke. Ngendlela, kungabalwa khona ebhange. Kulokhu, kufanelekile ukubheka kuphela leyo mithombo yenzuzo ezotholakala eminyakeni eyi-10-15-20-30.

Endabeni lapho, ngemuva kokudonswa kwemali ekhokhwayo yesibambiso enzuzweni yomndeni, inani elisele lihlanganisa izindleko zombuso kanye nendlela yokuphila ejwayelekile enemikhawulo emincane, unganquma ngokuphephile ngempahla ebanjiswayo.

Amaphesenti amakhulu, impela, angadonswa, kepha kuzoba nzima kakhulu ukwenza lokhu, ikakhulukazi ku ngokwengqondo ukuhlela. Ngisho nangezinombolo, kunzima ukunikeza izeluleko eziqondile. Kepha zizosiza ukulinganisa amathuba cishe.

Indlela 3. Ukuthengwa kwezindlu ngezitolimende

Kubantu abaningi, le ndlela yokuthenga ifulethi isindisa impilo. Lapho inani eligcwele lingekho, kepha kungekudala lingavela, khona-ke kungcono ukunaka izitolimende... Le ndlela iyindlela ephakathi, ebiza phakathi imali ebanjiswayo (okungukuthi, imalimboleko yesikhathi eside ephelele) futhi inkokhelo yesikhathi esisodwa izindlu ezintsha.

Ingqikithi yale nketho imi kanje: umuntu unquma ukuthenga ifulethi akhokhe isitolimende sokuqala, esivame ukulingana 50%, noma kunjalo, ingahluka ngokuya ngesimo. Ukuqhubeka njalo ngenyanga isikhathi esifushane (kusuka ku- 3 izinyanga ezandulele 2iminyaka) enye imali uyinikeza ngezingxenye ezilinganayo, okuxoxiswana ngazo ngaphambi kwesikhathi futhi kungahamba ngamanani ahlukene.

Ngenxa yalokho, awudingi ukulinda iminyaka engama-30 ukuze ube ngumnikazi wefulethi lakho ngokugcwele. Ngaphandle kwalokhu, uhlelo lwesitolimende — inketho akuyona neze eyabo bonke abantu... Iqiniso ukuthi yena, Okokuqala nje, kusho inkokhelo ebalulekile, futhi, Okwesibili, ifanele kuphela labo okungenzeka ukuthi banemali engenayo ephezulu, noma abahlela ukuthola irisidi elikhulu lezezimali esikhathini esizayo esiseduze ngenxa, isibukuthengisa ifulethi elidala.

Imvamisa, labo ekuqaleni ababehlela ukuthenga indawo yokuhlala esakhiweni esakhiwayo, baphendukela kwizitolimende, kepha lapho ukwakhiwa kucishe kwaphela, amanani enyuka kakhulu. Kukhona ingxenye enkulu yemali esesandleni, kodwa imali elahlekile izoba ngenyanga ezayo.

Ngasikhathi sinye, ezinye izinkampani zokwakha zinikela ngamakhasimende azo ngokuzimela izitolimende zesikhashana, okungasho nzalo nokuhlukanisa okusele kube 3-6 izinyanga. Amanye amafemu angacela iqiniso lokuthi umuntu akayikhiphi yonke imali ngasikhathi sinye, enye inkokhelo eyengeziwe mayelana 11%.

Indlela 4. Ukuthenga indlu enenhlokodolobha yomzali

Emindenini eminingi, lolu hlobo oluthile losizo lombuso luyinsindiso yangempela enkingeni yezindlu. Ngosizo lwenhloko yomama, umndeni owazalelwa kuwo Ingane yokuqala, yesibili noma yesithathu , angakwazi ukuthenga indawo yokuhlala entsha uma ingekho eminye imithombo yezimali yokuthenga okumba eqolo kangako. Sikhulume ngokuningiliziwe mayelana nemali yokubeletha yokwenza ngcono izimo zezindlu kwesinye sezindatshana zethu.

Leli thuba elikhangayo lingasetshenziswa yiyo yonke imindeni emincane, okungukuthi, abantu abashade ngokusemthethweni hhayi ngaphezulu 3-x iminyaka, uma omunye wabashadile engakhulile 30 iminyaka. Into ethakazelisa kakhulu ukuthi uma kwenzeka kuzalwa izingane, umkhawulo ohlotshaniswa nesikhathi somshado ususwa ngokuzenzekelayo.

Iphuzu elimnandi iqiniso lokuthi ubukhulu bezimali zokubeletha bukhula njalo ngenxa yenkomba. AT 2020 unyakangokwesibonelo, selivele likhule laba ngu- 616 617 ruble... Kumele kuqashelwe ukuthi isitifiketi sokuthola usizo lwezezimali singatholakala ngokushesha ngemuva kokubeletha nangemva kwesikhathi esithile.

I-nuance eyinhloko yokusebenzisa imali yomama ukuthenga ifulethi imi kanjena: imali iza kubazali abasebancane ngqo Ezinyangeni ezimbili kamuva kusukela ngesikhathi lapho ukuthengiselana nokuthengiselana kuqedwa ngokusemthethweni. Ngasikhathi sinye, abazali bakhokha umehluko phakathi kosayizi wemali yokubeletha kanye nezindleko zendawo yokuhlala ngokheshi bebodwa.

Phakathi kokunye, kuzodingeka uvakashele igatsha lasendaweni lePension Fund ngaphambi kokuphothula okwenziwayo. Imali etholwe kuhulumeni ingahamba ekukhokhelweni kokuqala kwempahla (kuya ngesifunda, isamba sonke singanele ukuthenga ifulethi elincane), ngisho ukukhokha imali ebolekiwe yendlu ekhona.

Indlela 5. Ukuthenga indlu kumakhi (endlini eqashiwe noma eyakhiwa)

Njengoba kushiwo ngaphambili, ukuthenga ifulethi ngqo kusuka enkampanini yokwakha okusasebenza kuyo kungaba yingozi impela. Ngaphandle kwalokhu, uma ulandela izincomo eziningi, ungaba ngumnikazi wendawo entsha ngokuphelele ngemibandela evumayo.

Ukuze unciphise ubungozi lapho uthenga ifulethi kusuka kunjiniyela, udinga ukucubungula imithetho embalwa elula bese wenza izinyathelo eziningi zokuphoqeleka:

hlaziya amanani entengo afanayo avela ezinkampanini eziningana zokwakha (izindleko eziphansi kakhulu kufanele ziqaphele impela, ngoba inkampani ezihloniphayo ngeke ithengise indawo yokuhlala ngamanani angenangqondo);
thola izandla zakho kulo lonke ulwazi mayelana nonjiniyela, kufaka phakathi ulwazi mayelana nokuhlangenwe nakho kwakhe kanye namaphrojekthi wangaphambilini aphumelele;
hlola ngokucophelela yonke imibhalo yenkampani: kusuka kumadokhumenti akhona kuya ezinkontilekeni zesiqephu somhlaba esisetshenziselwa ukwakhiwa, kanye nokugunyazwa kwebhange kwezakhiwo ezintsha;
cabanga ngazo zonke izingxenye zesivumelwano sokubamba iqhaza kwezimali (kaningi lokhu kungenziwa ekhaya endaweni ekhululekile, ngemuva kokufunda konke ngokucophelela, kepha kungcono ukuxhumana nommeli onolwazi ozokonga isikhathi futhi ozothatha lo msebenzi ngomthwalo ophelele);
hlola isigaba sokwakha (Kuyaqapheleka ukuthi noma ngabe ukwakhiwa sekucishe kuphele ngama-80%, kungahle kugcine kuqandisiwe).

Ngaphezu kwalokho, kufanele unake ngokukhethekile ukuvunywa okukhethekile nezenzo ezinikezwa amafemu wokwakha ngaphambi kokuqala umsebenzi wawo. Kulokhu, kufanelekile ukubheka hhayi kuphela izimvume zokwakha, kepha futhi, isib, imvume yokuxhuma ifulethi lendawo yokuhlala nezokuxhumana (amanzi, ukufudumeza, ilambu).

Ngokwengeziwe, ungazama ukuhlola imbuyiselo engenzeka ekutshalweni kwemali uma uhlela ukuthengisa kabusha ifulethi ngokuzayo futhi wenze imali ngalo. Kwanele ukusayina isivumelwano ngokubamba iqhaza kwezimali, ngemuva kokuphothulwa kokwakhiwa, uzinikeze wonke amalungelo bese ulungisa. Ngemuva kwalokho ungathengisa ifulethi, kepha kuzofanela ukhokhe intela ka-13%.

Lokhu kuzodingeka kwenziwe kuphela uma umuntu ethole okungaphansi kuka 5 iminyaka edlule (kuze kube ngu-2016 lesi sikhathi besingaphansi futhi silingana nezinyanga ezingama-36).

Indlela 6. Ukutholwa kwendawo yokuhlala kusuka ku- usonkontileka (esakhiweni esisha)

Ezimweni eziningi, inkampani yokwakha ayinaso isabelomali esingakhokhela zonke izindleko ezivela enkambisweni yokwakha indlu. Kungakho unjiniyela ephendukela ku- usonkontileka, okungukuthi, ebhizinisini elisemthethweni (inkampani enkulu noma ngisho nosomabhizinisi ngamunye), elizokwenza ingxenye yomsebenzi noma liphakele izinto zokwakha. Ngenxa yokushoda kwemali edingekayo yokukhokhela izimpahla noma izinsizakalo ezinikezwa ngusonkontileka, unjiniyela umnikeza ingxenye yamafulethi asendlini.

Indlela elula yokuqonda lokhu kusebenzisana yisibonelo. Ake sithi inkampani "Stroydom" wenza ekwakhiweni kwezakhiwo zokuhlala. Usonkontileka kuleli cala ubengu IE Chernyakhov, enikeze unjiniyela izitini ngenani lama-ruble ayizigidi eziyi-10.

Ngenxa yalokho, njengenkokhelo, inkampani yaseStroydom izodlulisa 3 amafulethi aqediwe ahloliwe e 2,5 isigidi.

Ngaphezu kwalokho, usonkontileka unezindlela ezi-2 zokuthola inzuzo yakhe ngokwezimali:

Okokuqala nje, ungazithengisa ngenani lemakethe, okungukuthi izigidi eziyi-3.5, kepha kulokhu kuzodingeka ulinde isikhathi esanele.

Okwesibili, unganciphisa izindleko, ngokwesibonelo, ziye ezigidini ezi-3 bese wenza inzuzo ngokushesha, usale nomholo omuhle wenetha.

Esimweni esinjalo, umuntu ojwayelekile angonga imali. kufika kumaphesenti angama-20 kusukela kunani lemakethe lefulethi elisesakhiweni esisha. Ngasikhathi sinye, izobe isivele isendaweni yakhe, okusho ukuthi ingozi incane kakhulu kunaleyo evela ngokuxhumana ngqo nonjiniyela.

Phakathi kwezinye izinto, kunokucaciswa okuthile okuhlobene neqiniso lokuthi osonkontileka bavame ukuhlose ukuthengisa wonke amafulethi kakhulu isikhathi esifushane, ngenkathi uthola imali.

Le nketho ifaka phakathi isiphetho senkontileka ekhethekile echazayo "Ukunikezwa kwelungelo lokufuna izindlu nomhlaba"... Okusemqoka ukuthi ngesikhathi sokwakhiwa, lapho ifulethi elingokoqobo kungenzeka lingakabi khona, ngokomthetho lingelonjiniyela uqobo. Ngaphezu kwalokho, lapho umsebenzi usuphothuliwe, indawo ezoba yindawo kasonkontileka, osevele ubophezelekile ukuyidlulisela kumthengi ngokuya ngesivumelwano esiphelile.

Landa isivumelwano ekunikezelweni kwelungelo lokufuna ifulethi (isampula) (.docx, 16 Kb)

Ngasikhathi sinye, wonke amalungelo endlu, njengasesimweni sokuphothula isivumelwano ngqo nonjiniyela, adluliselwa kumuntu kuphela ngemuva kokuqeda imisebenzi yokwakha... Ngaphandle kwalokhu, uma ukhetha inkampani ethembekile okuthi, ngokwezivumelwano zangempela, inikeze inkampani yokwakha izimpahla noma izinsiza ngesikhathi senqubo yokwakha indlu, futhi iphinde iphethe nayo inkontileka efanelekile yokwabiwa kwamalungelo okufuna indawo yokuhlala (uma ilungile, ingcebo yangempela), lapho akukubi londoloza.

Indlela 7. Ukuthenga ikhaya kumnikazi

Le ndlela ithandwa kakhulu emakethe kwesibili izindlu... Abantu babiza le ndlela "Ngaphandle kwabalamuli", ngoba umthengi nomthengisi abaphendukeli kubathengisi, kepha ngokuzimela baxoxa ngawo wonke ama-nuances wokuthengiselana futhi baphethe inkontileka yokuthengisa.

Landa isivumelwano sokuthengwa kwezindlu (isampula) (.doc, 36 Kb)

Kulokhu, ungonga imali ngokungathi sína ngokuxoxisana nomuntu, kepha kungenzeka ukuthi ungacabangi kahle ngezici zefulethi. Yingakho kubalulekile ukuhlola yonke into kaningana, bese ngokuzimela wenze isivumelwano bese udlulisela wonke amaphepha ezinhlakeni zombuso ezibhalisayo.

Ukuthenga ifulethi - imiyalo yesinyathelo ngesinyathelo yokuthenga ngo-2020

4. Ungayithenga kanjani ifulethi kahle 📃 - Izinyathelo eziyisisekelo ezi-7 zokuthola inzuzo enenzuzo

Njengoba kushiwo ngaphambili, ukuze uthenge indawo yokuhlala, udinga ukusondela kule nkinga ngokuzibophezela. Imiphumela emihle ingatholakala kuphela uma uhamba ngokuvumelana nohlelo oluthile, ngokuzithoba ucindezela eceleni iziphazamiso.

Abakhohlisi abanolwazi bazozama ukuvimbela umthengi ekwenzeni uchungechunge lwezenzo ezihleliwe, isib, lapho uhlola ifulethi, udideka futhi unganiki ithuba lokuhlola ukusebenza kwe-TV noma indlu yangasese. Yingakho, ukunciphisa izingozi, kwanele ukulandela uhlelo olunjalo.

Isinyathelo # 1. Ukunqunywa kobukhulu nezinye izici zefulethi

Kulesi sigaba, kuyadingeka ukunquma ukuthi indawo yokuhlala kufanele ibe nkulu kangakanani, nokuthi ikuphi, yiziphi izinto zengqalasizinda okufanele zibe seduze. Ngasikhathi sinye, udinga ukuthi ekuqaleni unqume ukuthi imuphi umakethe owamukeleka kakhulu - kwesibili, lapho ungathenga khona ngokushesha ifenisha nokulungisa, noma okuyinhloko, lapho kunethuba lokuba umnikazi wokuqala futhi uhlele konke ngokubona kwakho.

Qaphela! Ukuqonda okucacile kwemingcele oyifunayo akugcini nje ngokwenza lula inqubo yokukhetha impahla, kepha futhi kuvikela nabathengisi abangathembekile.

Uma umuntu ekwazi kahle akudingayo, isib, ifulethi elinendawo okungenani engama-50 sq. m. eduze kwempambana mgwaqo womgwaqo, lapho-ke akekho umthengisi ozokwazi ukumthengisela indawo encane, yize "ithokomele kakhulu futhi inombono omuhle ngefasitela" efulethini elisemaphethelweni.

Kufanele kuqondwe ukuthi main kusimo kwesibili emakethe ukuthi amafulethi avame ukutholakala ezindlini ezindala ezigugile... Akunandaba ukuthi zilungiswa kahle kanjani, ekugcineni kuzofanele zenze inhlokodolobha ukulungiswa. Ngaphezu kwalokho, imvamisa abanikazi bayashesha ukuthengisa izakhiwo ngezikweletu noma umlando omubi wezomthetho.

Okuyinhloko okufanayo izindluOkokuqala, ingaba nezindonga ezingenalutho. Kulokhu, kuzodingeka uzenzele ngokwakho futhi uthenge konke okudingayo. Ngaphezu kwalokho, izakhiwo ezintsha zivame ukutholakala kude nengqalasizinda, engahle ingathokozisi wonke umuntu.

Isinyathelo # 2. Ukulungisa inani elingasetshenziswa efulethini maduzane

Akuyona imfihlo ukuthi isifiso sangempela sabantu abafuna ukuthenga indawo yokuhlala sincike ngqo kwisabelomali abanaso. Ngokwesibonelo, ngemali efanayo ungathenga zombili ifulethi elinekamelo elilodwa enkabeni, nokuthile okukhudlwana emaphethelweni edolobha.

Lesi sinyathelo kulula kakhulu ukusisebenzisa, ngoba wonke umuntu uqobo uyaqonda ukuthi unamalini.

Emakethe yesimanje yezindlu ungathola inombolo enkulu yokunikezwa ngentengo ebekiwe, ngakho-ke akunakwenzeka ukukhetha lutho. I-nuance yilokho kukhona kakhulu izici eziningiukuthonya ukukhetha.

Kulesi sigaba, uhlala ufuna ukonga imali, ngoba kuzodingeka usebenzise imali enkulu kakhulu. Kungakho abantu abaningi babheka amadili ashibhile kuqala, kwesinye isikhathi abonakala ekhanga kakhulu.

Izinsolo kuleli cala zivumelekile, ngoba, ngokusho kochwepheshe, manje sekukhona iziphakamiso eziningi empeleni amadada. Yini? Futhi lesi yisikhangiso lapho umthengisi ebeka ngamabomu inani elincane kakhulu lamanga ukuze ahehe abantu. Lapho othile embiza, uthi lelo flethi selivele lenyuke ngentengo futhi kuzofanele akhokhe ngaphezulu. Noma bangaze bathi ayithengiswa noma isivele ithole umnikazi omusha.

Imvamisa, izinto ezinjalo zenziwa ngabathengisi bezindlu noma abanye abaxhumanisi okuthi, ngemuva kwezindaba ezibuhlungu zokuthi impahla isivele ithengisiwe, bamemezele ukunikezwa okusha.

Phakathi kwezinye izinto, kulesi sinyathelo akudingeki ukuthi ume kulokho “okusephaketheni lakho” okwamanje. Ungakhohlwa ukuthi ngezikhathi zobunzima, amabhange ayaqhubeka nokwakha izinhlelo ezintsha zezikweletu, yize aqala ukukhipha imali ngokunembile.

Ake sibheke isibonelo esincane. Ake sithi kukhona okuthile kwe- USergeioneminyaka engama-30 ubudala. Usebenza endaweni enhle futhi ezinzile kanti umholo wakhe unjalo 40 izinkulungwane ruble. Esimweni esinjalo, ibhange lingamnika imalimboleko ngenani le- kusuka ku-1 kuya ku-1.5 million ruble. Ngalokho USergei ungathembela efulethini elihle.

Kumele kuqashelwe ukuthi inani okulindeleke ukuthi likhishwe lingahluka ngokuya ngenani elikhulu lezinto: ubudala, isikhundla, iholo elisemthethweni, umlando wezicelo zangaphambilini ebhange njll.

Iseluleko sokugcina kulesi sinyathelo singokulandelayo: akufanele neze uhlele ukusebenzisa imali eningi njengokuthi "buyela emuva".

Kungcono ukuhlala unemali ethile ebekiwe, ngoba ingadingeka ekulungisweni noma kwezinye izindleko ezingalindelekile.

Isinyathelo # 3. Ukukhethwa komthombo ophelele wezezimali: imali etholakalayo noma imali ebanjiswayo

Kulesi sigaba, kuzofanele ukhumbule konke obekuxoxwa ngakho phambilini. Kwanele ukuqonda ukuthi ngosizo lwesibambiso ukukhetha amafulethi atholakalayo kukhuliswa kakhulu. Kodwa-ke, kuzothatha isikhathi eside (kwezinye izimo, ngisho kuze kube yiminyaka engama-30) ukhokhe inzalo, futhi lokhu kuzothinta kakhulu indlela ejwayelekile yokuphila, ngoba kuzosusa ingxenye ebalulekile yemali engenayo.

Lapho ingxenye yomphakathi ukholelwa ukuthi kungcono ukukhokha ngenkokhelo eyodwa ngokheshi (nansi indlela ongakhokha ngayo ama-akhawunti nomnikazi wefulethi owedlule bese ukhohlwa), okusho ukuthi kuzodingeka ukuthi ugcine imali edingekayo isikhathi eside. Abanye abakwazi ukulinda (inkinga yezindlu inzima kakhulu) futhi kufanele baye ebhange ukuze bathole usizo.

Isinyathelo # 4. Ukukhethwa kwendlela engcono yokuthola indlu efanelekile: uwedwa ngaphandle komqashi noma usebenzisa izinsizakalo zomxhumanisi

Kubalulekile ukuthi ubheke lapha ukuthi ngabe kukhona yini okuhlangenwe nakho ekukhetheni izindlu nomhlaba. Iqiniso ukuthi le nqubo iyinkimbinkimbi (lokhu sekushiwo kaningi), ngakho-ke kwezinye izimo kungcono ukuyinikela kochwepheshe.

Ake sizame ukuthola izici eziyinhloko zenketho ngayinye:

Ukucinga okuzimele komthengisi. Kulokhu, kuzofanele usebenzise yonke imithombo yolwazi etholakalayo: izikhangiso emaphephandabeni, kuthelevishini, emabhodini emiyalezo, izindaba zabangane, nakanjani, nakwi-Intanethi... Kuzodingeka uchithe isikhathi esiningi, ushayele amafoni amaningi (othile akekho ekhaya, othile ubiza intengo, elinye ifulethi selithengisiwe, njll.) Ukuthola inketho efanelekile. Ngenxa yalokhu, hhayi isikhathi esizomoshwa kuphela, kepha nesimo somzwelo, kanye nempilo yengqondo. Udinga ukuqonda ukuthi kunenqwaba yabathengisi abenele abahlala behlehlisa imihlangano, bafihle okuthile noma bakhansele isivumelwano kusasele usuku obekufanele lwenzeke ngalo.
Ukuxhumana nomthengisi wezindlu. Kulokhu, sikhuluma ngokuphathisa yonke inqubo ochwepheshe... Umbusi ngeke nje alalele futhi abhale phansi zonke izifiso, kodwa futhi ngokuzimela aqale ukusesha ku-database yakhe, avakashele wonke amafulethi afanele futhi ashiye ezimbalwa kuphela ezithakazelisa kakhulu futhi ezifanele zonke izindlela. Ngaphandle kwalokhu, kuzodingeka imfoloko kahle... Abathengisi bezwe abanolwazi bathatha kuze kube 3% wenani lomsebenzi, ngakho-ke akubona bonke abantu abangakwazi ukukhokhela le nketho.
Sesha abalamuli. Abantu abanjalo bayinto ephakathi kwabanikazi nabathengisi bangempela. Imvamisa kakhulu bakhonjwa njengabakamuva, kepha uma uzama ukubakhetha njengabantu abahlukile, uthola isithombe esilandelayo: bathatha Ngaphansi amaphesenti, qoqa oxhumana nabo abanikazi bezindawo abaningana futhi uxoxisane nabo. Esikhathini esiningi laba bangabaqaphi bezindawo zokufundela ukuthola imali, abangenalo ulwazi olwanele lomsebenzi, bacela amaphesenti amancane ukuthi abasize. Edume ngaphansi labalamuli imvamisa kusho abantu abahlanganyela ngokwethukela emisebenzini yezezakhiwo. Izinsizakalo zabo zihlala zishibhile, noma kunjalo, banesibopho somsebenzi. ungathwali... Uma kunezinkinga kumthengisi, khona-ke aziphazamisi kulolu daba. Ngokulandelayo, abathengisi bangempela bahamba nomthengi kusukela ekuqaleni kuze kube sekugcineni.

Isinyathelo # 5. Ukuhlolwa kwezinketho ezithandwa kakhulu

Kulesi sigaba, umsebenzi obaluleke kakhulu kuzodingeka wenziwe. Ngasikhathi sinye, ochwepheshe beluleka ukuthi bangagxili kunketho yokuqala oyithandayo, kodwa ukubuyekeza okungenani ezimbalwa ezifanelekile ukuze kube khona okungaqhathaniswa nakho.

Into ebaluleke kakhulu esimweni ngasinye ukubheka ezinye amadwala angaphansi kwamanzi... Mhlawumbe amapayipi avuzayo noma indawo inomsindo, futhi kwesinye isikhathi omakhelwane abanabo ubungane kakhulu.

Qaphela! Intengo ephansi ingakhombisa ubukhona bamasu athile angcolile. Ezimweni lapho ebukeka emncane kakhulu, kubalulekile ukuthola isizathu, ungathembi izwi lezindaba ngesidingo sokuhamba kungekudala.

Indlela enhle yokuhlola indawo lapho indlu ikhona khona izosiza uhambo oluzimele kuyo. Ungathatha izithuthi zomphakathi bese ushayela esitobhini esiseduze. Ngakho-ke, kuzokwazi ukujwayelana nengqalasizinda yendawo, bheka abantu abaseduze. Endaweni yobugebengu noma esebenza ngokuphelele (isib, hhayi kude nendawo yezimboni) akubona bonke abantu abazothanda ukuhlala.

Ungakhohlwa ngamanye amalungu omndeni azohlala futhi efulethini. Ngokwesibonelo, uma unezingane, udinga ukubheka inkulisa eseduze noma isikole, futhi uphinde uhlole izinga labasebenzi nabafundisi babo.

Ukunakekelwa okukhethekile kufanele kunikezwe ezinye izikhathi ezibonakala zingabalulekile: ikheshi, isitebhisi, igceke, izindlu ezingomakhelwane, izitolo ezinkulu nezinkundla zemidlalo Lezi yizinto okuzodingeka ubhekane nazo nsuku zonke, ngakho-ke awukwazi ukuthenga ifulethi endaweni engenazo zonke izinzuzo zempucuko, noma ngabe kubiza kanjani.

Phakathi kwezinye izinto, udinga ukunaka izinto ezinjalo efulethini uqobo (imvamisa azikhonjiswa esikhangisweni, yize zithinta impilo yansuku zonke): ukuphakama kophahla, usayizi wekhishi, isimo sezindonga, phansi, amapayipi, inhlanzeko emnyango, ukusebenza kwamakheshi, uhlobo lwamaphansi njll.

Ngemuva kwalokho, kuyadingeka ukuzama ukulinganisa ngenani izindleko zokulungiswa okudingekayo kwefulethi ngalinye. Lesi sibalo kufanele sengezwe entengo emenyezelwe ngumthengisi. Phakathi kwezinye izinto, ngidinga ukulungiselela uchungechunge lwemibuzo, okufanele ibuzwe nakanjani kumnikazi wendawo ukuze ihambisane nendaba futhi ithole amaphuzu abaluleke kakhulu:

Wayithola kanjani indlu? Nguye kuphela umnikazi wayo?
Bangaki abantu ababhalisiwe efulethini? Ngabe ukhona phakathi kwabo osebenza ebusosheni noma oncike kwabanye (ngokwesibonelo, izingane, abagula ngengqondo, noma omunye umuntu)?
Ngabe umthengisi uyikhokhile imali yokusetshenziswa ngaphambi kokuthengisa?

Vele, umthengisi angakwenza konke lokhu, noma kunjalo, noma ngabe uthintana nochwepheshe, kungcono ukuhlola ifulethi olithanda kakhulu wedwa.

Okulandelayo, ungaxoxa nomthengisi amaphuzu ambalwa abalulekile: ngubani ozophatha inqubo yokukhokha izindleko zokubhalisa (uzodinga ukuxhumana nommeli olungisa izivumelwano), nokuthi kuzothatha isikhathi esingakanani ukuthi abanikazi bashiye indlu bayothatha yonke impahla yabo.

Le mibuzo ihlala ihlehliswa ekuqaleni. Kodwa-ke, ngokwenza, zibalulekile, ngakho-ke ochwepheshe beluleka ngisho nokuzibonisa esivumelwaneni.

Isinyathelo 6. Izingxoxo nabanini bomhlaba - ungaxoxisana nini?

Imvamisa abathengisi bavusa intengo ngamabomu, ngokubala okulandelayo: uma umuntu enelisekile ngakho konke, uzokhokha ngaphezulu, futhi uma enganelisekile ngokuthize, kuzokwazi ukumgcina "Isaphulelo", okungukuthi, ukubuyela kunani elihleliwe ekuqaleni.

Ngaphandle kwalokhu, ukuthengiselana ngokulinganisela... Ukucela njalo intengo ephansi kungaholela ekwehlulekeni: umthengisi uzomane anqabe ukusebenzisana futhi ngokushesha athole omunye umthengi.

Iseluleko esiwusizo! Ikakhulukazi akufanele ukuphoqa ngokuxoxisana uma kwenzeka uthintane umlamuli noma Umenzeli kamnikazi amafulethi (indodana, umfowethu, udadewethu, njll.)... Abantu abanjalo mancane amathuba okuthi bafonele umnikazi kaningi ukuze baxoxe ngokuncishiswa kwentengo okungenzeka, yize nabo bevunyelwe ngamabomu ukwehlisa inani lempahla emikhawulweni ethile.

Manje-ke, wazi kanjani ukuthi inani eliphansi umthengisi alilungele? Kwanele ukutadisha ngokuningiliziwe yonke imingcele yendawo yokuhlala, bese ubiza i-ejensi yezezakhiwo ngesiphakamiso okuthiwa senzelwe umthengisi. Abalamuli abangochwepheshe bazohlaziya imininingwane enikeziwe futhi banikeze inani lazo elilinganisiwe. Ngaphezu kwalokho, kwanele ukuqhathanisa izibalo ezivela kuma-ejensi amaningana nalokho umnikazi ngokwakhe akunikezayo. Uma kwenzeka ukuthi umuntu acele ngokusobala okungaphezulu kwalokhu okushiwo ochwepheshe, ungaqhubeka nokuxoxisana.

Isinyathelo # 7. Ukwenza isivumelwano ngokuvumelana nayo yonke imithetho

Lesi sigaba singahlukaniswa sibe izingxenye ezilandelayo:

Ukuhlaziywa kwawo wonke amaphepha adingekayo. Umthengi kufanele azihlole yedwa ukutholakala kwawo wonke amadokhumentikuyadingeka ukuze kuqedwe ngempumelelo ukuthengiselana nokuthengiselana. Into esemqoka okufanele uyinake yi- isitifiketi sobunikazi (kufanele ligcinwe ngumnikazi ngendlela efanele, futhi imininingwane ekhonjisiwe kuyo kufanele ifane nedatha yomnikazi yepasipoti), kanye nokuhlangana okuhlukahlukene kwabantu besithathu, osekuxoxwe ngakho kaninginingi phambilini.
Ukusayina isivumelwano nokudlulisa amaphepha kuziphathimandla zokubhalisa. Uma unawo wonke amadokhumenti adingekayo, ungaya ngqo kuya esiphethweni senkontileka... Uma bekungokwangaphambi kwesikhathi, khona-ke kwenziwa iphepha elikhethekile eliqinisekisa iqiniso lokudluliswa kwalo. Ngemuva kwalokho, amadokhumenti adluliselwa kusakhiwo sombuso sokubhalisa.
Ukwenza inqubo yokudlulisa nokwamukela izindlu nomhlaba. Kuhilela ukubheka nokuhlola indlu, kanye nokusayina isenzo esikhethekile, ngokusho ukuthi ifulethi ekugcineni lizoba impahla yomthengi.

Landa isitifiketi sokwamukela ifulethi (isampula) (.doc, 27 Kb)

Isiqinisekiso sokuthi ukuthengiselana sizophumelela nokuthi awekho amaqembu azokwenza noma yiziphi izenzo ezingekho emthethweni idiphozi... Kusho uhlobo ukukhokha kusengaphambili ngendaba yenkontileka yokuthengisa, edluliselwa kumthengi iye kumthengisi njengokuqinisekisa kwezinhloso zakhe ezibucayi. Kwalokhu, isivumelwano sesibambiso, lapho inani lenkokhelo lishiwo ngqo (empeleni, inani eliphakeme lingu- cishe u-5%).

Landa isivumelwano sediphozi lapho uthenga ifulethi (isampula) (.doc, 91 Kb)

Encwadini! Uma umthengi eshintsha ngokungazelelwe umqondo wakhe, idiphozi ihlala kumthengisi. Uma umnikazi wefulethi ethatha isinqumo sokukhansela ukuthengiselana, kuzofanele akhokhe inani elilingana nezimbili zediphozi.

Ukuxazulula wonke umbuzo, wonke ama-nuances kunconyiwe ucacise idiphozi esivumelwaneni (incl. izindlela zokuhlala phakathi kwamaqembu).

Ngakho-ke, ngokulandela lokhu kulandelana okulula, ungaqedela kalula ukuthengiselana okuphumelelayo futhi ube ngumnikazi wefulethi onayo yonke imingcele edingekayo.

Ngaphezu kwalokho, inqubo yokuthola inketho efanelekile nokuqoqa imibhalo ingaphathiswa umphathi wezwe, noma ungenza konke ngokwakho, ngoba kunzima kakhulu futhi kudla isikhathi futhi kubiza ngokwezinsizakusebenza ezingokomzwelo.

Ungaqala kanjani inqubo yokuthenga ifulethi kubambiso - umhlahlandlela onemininingwane

5.Ungalithenga kanjani iflethi kubambiso - lapho ungaqala khona: izici nama-nuances wokuthenga + imiyalo yesinyathelo ngesinyathelo 💳

Ngakho-ke, njengoba sekushiwo izikhathi ezingaphezu kwesisodwa phambilini, ukuthenga ifulethi ngokheshi kungenzeka kungabizi kwabaningi. Kulokhu, kunezindlela ezi-3 zokuphuma: Ungenzi lutho (shiya udaba lwezindlu luphelele), londoloza iminyaka eminingi bese ulinda usuku oluthandekayolapho ekugcineni kuvela ithuba lokuba ngumnikazi wendawo yakho, noma thola imali yokubambisa.

Kulokhu, kuzokwazi ukuhlala ngokushesha efulethini elikhethiwe, kancane kancane unikeze imali ebhange.

Ukuthenga indlu enesibambiso yize kuphoqa umndeni ukuthi ubhekisise indlela ophila ngayo, uzonikeza ithuba, yize amanani entengo aphakeme kakhulu e-real estate, ukuxazulula ngokushesha inkinga yezindlu, kancane kancane akhokhe imali engenzeka.

Ake sizame ukukuthola: okudingayo ukwazi ukuthi imali mboleko izosindisa umndeni, hhayi ukubhujiswa kwayo? Ungayithenga kanjani ifulethi ngesikweletu, okuzofanele ikhokhwe isikhathi eside?

5.1. Indlu efakwe kubambiso - izici zokuthenga

Uma ingekho imali yokuthengwa kwezezakhiwo isikhashana, kuzofanele ucabange ngokungathandeki mayelana imali ebanjiswayo, ikakhulukazi uma inkinga yezindlu inzima. Okokuqala udinga ukukala konke "ngakunye" futhi "ngokumelene", kanye nokuhlola izinkinga ezingaba khona, ubungozi nobunzima, ukuze kuthi emva kokuba wonke amaphepha eseqediwe, kuvele ukuthi umndeni ngeke ukwazi ukubuyisa imali obekuvunyelwene ngayo nebhange njalo ngenyanga

Iyini imali ebanjiswayo yezindlu - izimo kanye nengqikithi

Kumele kuqashelwe ukuthi inani lamafulethi athengwe ngesikweletu likhula minyaka yonke. Kungakho, mhlawumbe, cishe bengekho abantu abasele ababengeke bazi yini imali mboleko... Naye-ke umele isikhati eside ukubolekwa kwempahla, ukukhokha okuthembele kusimo nesimo sezezimali, unga kuze kube yiminyaka engama-30.

Ngasikhathi sinye, sonke lesi sikhathi, indawo yokuhlala izotholakalela abathengi-ababoleki ukuze baphile, kepha ngasikhathi sinye izothembiswa yibhange. Yingakho ibhange nganoma yisiphi isikhathi, uma kungazelelwe kuba nezinkinga ngomuntu, linelungelo lokudlulisa ifulethi enkantolo, osekuyiyona ndaba yombango.

Iphuzu elilodwa kufanele licaciswe ngokushesha eliveza ngokuningiliziwe okushiwo ukubolekwa kwempahla ebanjiswayo: kunoma yikuphi ukuthengiselana okunjalo bahlala bebamba iqhaza 3 amaqembu agcwele. Okokuqala – unjiniyela noma ngokujwayelekile - umnikazi wendawo. Owesibili ohlanganyele ekuthengisweni kwemali mboleko - ibhangeokunikeza umuntu imali yokuthenga ifulethi. FUTHI okwesithathu obambe iqhaza kule nqubo - umthengi uqobo, othatha imalimboleko futhi abe ngumkweletu, ngoba ubophezelekile ukubuyisa yonke imali ngenzalo ethile okuvunyelwene ngayo ngaphambilini.

Ubudlelwano phakathi kwamaqembu bulawulwa yizo zombili izivumelwano ezisayinwe phakathi kwazo nezinkambiso ezikhethekile zomthetho. Umnikazi wesikhathi esizayo wefulethi kufanele anake kakhulu umthetho, owamukelwa ngo-1998 futhi unegama elihambisanayo. "Kubambiso".

Kufanele kukhunjulwe ukuthi noma yiluphi uhlaka lwasebhange kufanele lubheke ongaba umboleki ngaphambi kokufaka isicelo semali mboleko. Noma iyiphi inhlangano ekhipha imali yokuthengwa kwezindlu zokuhlala ayinamdla wokuxhasa ngokuphelele wonke umuntu.

Umuntu ofisa ukuthola imali yokubolekwa kwemali kuzofanele afakazele ukuthi yi-solvency yini, kanye nokutholakala kwemali engenayo yenyanga ukukhokha inkokhelo evela njalo. Kulokhu, indawo yokusebenza nayo ineqhaza. Kufanele izinze futhi ingabi yonyaka (kwesinye isikhathi, ngokwesikhombi sokugcina, benza ukuvumelana, kubhekiswa kumlando omuhle wesikweletu).

Ama-nuances abalulekile wokuthenga ikhaya ekubanjisweni

Iphuzu eliyinhloko okufanele libhekwe lapho ufaka isicelo semali mboleko kungokwalo ubude besikhathi... Imvamisa imali mboleko yasekhaya ingakhokhwa kusuka eminyakeni emihlanu kuya kwengu-50 ubudala... Lokhu kungenxa yokuthi inani elinikezwa yibhange kumuntu ukuthi athenge ingcebo likhulu kakhulu (ikakhulukazi uma kunikezwa isilinganiso sokushintshana esingazinzile).

Ngaphezu kwalokho, uma umuntu ekhokha isikhathi eside ebhange, inzalo enkulu izonqwabelana. Kungakho izinhlaka zezimali uqobo lwazo zingenandaba nabantu abasheshe babuyise imali abayithathile.

Inani eliphelele lezendleko ezikhokhelwe ngokweqile, empeleni, likhulu kakhulu, kepha ayikho indlela yokubalekela kulokhu. Yini okufanele ilungiselelwe? Isigaba sesibili sokubanjiswa kwempahla sihlotshaniswa ngqo ne ukukhokha ngokweqile... Uvame ukufinyelela kusuka ku-70 kuya ku-100% noma ngisho nangaphezulu. Ngenxa yalokhu, kuzofanele ukhokhe okungenani ama-1.5 ngaphezulu, noma ngisho no-2 noma no-3.

Ngokwesibonelo. Ngefulethi ekuqaleni elibiza ama-ruble ayizigidi eziyi-1.5. ekugcineni ungakhokha cishe u- $ 2.5 kuya ku- $ 3 million.

I-nuance yokugcina ijabulisa kakhulu. Kuqukethe iqiniso lokuthi eRussia, ngokusho kwezibalo, enye yeziningi kakhulu phezulu inzalo yemali mboleko... Kwamanye amazwe amaningi, abantu basebenzisa imali mboleko kaningi, empeleni, ngoba ifinyeleleka kalula kubantu abavamile.

Ngokususelwe kukho konke lokhu, kungafinyelelwa esiphethweni esisodwa. Ngaphambi kokufaka isicelo sesibambiso, kubalulekile ukulingisa isimo bese ucabanga ukuthi kuzokwazi yini ukunikela inani elithile lemali engenayo (imvamisa engaphezu kwesigamu) njalo ngenyanga kusuka emholweni (imvamisa ngaphezu kwengxenye) ukukhokha imalimboleko phakathi kweminyaka eyi-10-30-50.

Ngasikhathi sinye, ungakhohlwa ukuthi uma ngokuzumayo kuba nzima ukukhokha ngokuqhubekayo, wonke umuntu unethuba nqamula inkontileka, yize kunemibandela engemihle neze.

Ukuthenga indlu enempahla ebanjiswayo - imiyalo yesinyathelo ngesinyathelo

5.2. Ungayithenga kanjani indlu ngendlu - izinyathelo ezilula ezi-5

Njengoba sekushiwo izikhathi ezingaphezu kwesisodwa phambilini, ukuthenga ifulethi kwindlu ebolekiswayo kufaka phakathi ama-nuances amaningi nezingozi okufanele zicatshangelwe. Kungakho, ukuze impilo ingabi nzima kakhulu ngokukhokha okujwayelekile, kuyadingeka ukuthatha indlela efanelekile yokukhetha ibhange nohlelo lwesikweletu nokwenza eminye imisebenzi ebalulekile, ngokulandela imiyalo engezansi.

Isinyathelo # 1. Sifuna into ethakazelisa kakhulu

Kumele kuqashelwe ukuthi kulesi sigaba kufanelekile ukuthi ungabheki izintshisekelo zakho kuphela, kepha futhi nemingcele ebalulekile ebhange. Izikhungo zezimali azikhiphi imalimboleko yokuthenga kakhulu okudala futhi konakele amafulethikanye nezezakhiwo injongo engabazisayo... Imvamisa, ungathola imalimboleko kozakwethu nakubatshalizimali abanentshisekelo ekuthengisweni kwemali (kokumaketha) kwendawo yokuhlala. Sibhale ukuthi singayithola kuphi imali mboleko ngaphandle kokwenqaba ku-athikili edlule.

Kungakho kufanelekile ukubhekisisa hhayi izidingo zakho kuphela. (amavidyo, inani lamakamelo, ukwakheka, njll.), kodwa nokuthi ifulethi elikhethiwe lizoba mnandi kangakanani ebhange. Ekugcineni kuzofanele ayithengise uma lowo obolekayo kuvela ukuthi akathembekile. Ngenxa yalokhu, ezinye izakhiwo kungenzeka zingafaneleki ukuthola isikweletu.

Isinyathelo # 2. Sifuna ibhange nohlelo olufanele

Kulesi sigaba, kunzima ukuqonda ukuthi yisiphi isikhungo sezezimali esinikeza imigomo yokubambisana evumayo. Imvamisa, ngisho nezibali zesikweletu azikwazi ukubikezela ngokuphelele zonke izindleko zomthengi wefulethi.

Ngaphandle kwalokhu, ziningi izinto okufanele zinakwe:

inani elingaba khona lemalimboleko, kanye nemibandela ephansi kanye neningi yokubuya kwayo;
ubukhona benkokhelo yokuqala eyimpoqo;
idumela lebhange nohlu lwayo lwezidingo ezibekwa kumthengi wefulethi;
ubukhona noma ukungabikho komshwalense;
isikhathi okungaqala ngaso inqubo yokukhishwa kwempahla kumboleki ngokungakhokhi.

Zonke lezi zinto zibaluleke kakhulu lapho ukhetha ibhange elifanele kakhulu.

Isinyathelo # 3. Ukulungiswa kwamaphepha nokubhala isitatimende esisemthethweni

Amanye amabhange angakhipha imali ezinsukwini ezimbalwa, kanti amanye angabambezela isinqumo isikhathi esingaphezu kwesonto. Ngokuya ngalokhu, kungcono ukuthatha yonke imibhalo ngasikhathi sinye uye ezikhungweni eziningana zezezimali. Yini okufanele ishiwo?

Amaphepha alandelayo azodingeka nakanjani:

ikhophi lepasipoti yesakhamuzi;
umbono wochwepheshe oqinisekisa inani langempela lesakhiwo;
ipasipoti ye-cadastral;
izitifiketi zokwakheka komndeni, kanye nokubhaliswa kwento edinga ukuthengwa;
isitifiketi sokuthi asikho isikweletu sikagesi, amanzi, ugesi, njll. kanye nokuthi umuntu unamandla aphelele asemthethweni;

Ngaphezu kwalokho, lapho ibhange lithola imibhalo ezandleni zalo, lihlola wonke amaphepha efulethi bese lithatha isinqumo salo.

Isinyathelo # 4. Umshuwalense

Kunesidingo esibekwe ngokomthetho esenza kuphoqeleke ukuthi kuqinisekiswe zonke izinto zokuthengwa okunikezwe imali ebanjisiwe.

Phakathi kwezinye izinto, amabhange amaningi, ngaphezu kwalokhu, ancoma ukuthenga umshuwalense endleleni eya kumboleki ngokwakhe.

Sibhale ngokuningiliziwe mayelana nomshuwalense wefulethi noma indlu kumagazini odlule.

Isikhungo sezezimali singakhuphula iphesenti uma iklayenti linqaba umshwalense, ngoba ezimweni eziningi alinandaba nokuvikela isibambiso kuphela, kodwa futhi nokubuyiselwa kwesikweletu. Kulokhu, isibonelo, umshwalense wokungabuyiswa.

Isinyathelo inombolo 5. Senza izivumelwano

Kulokhu, sikhuluma ngakho isivumelwano sesikweletu, kanye nangombhalo oqinisekisa ukuqedwa kokuthengiselana kokuthenga nokuthengisa.

Qiniseka ukuthi ufunda zonke izigaba futhi ngokucophelela funda amanothi.

Ngokushesha ngemuva kokuphothulwa kokuthengiselana, ifulethi lizothembiswa ebhange, okusho ukuthi uma kwenzeka umuntu ehluleka ukukhokha izikweletu, kungathathwa kuye.

5.3. Izinzuzo (+) nobubi (-) bokuthenga ifulethi kubambiso

Kubantu abaningi, imali ebolekwa ngemali ibonakala inzima kakhulu ngenxa yokukhokha ngokweqile nesikhathi. Kodwa-ke, ukuze uqonde ukuthi kufanele yini ukukhipha imali yokubolekwa kwemali esimweni esithile, kwanele ukuhlaziya okuhle nokubi kwayo.

Ngakho-ke, izinzuzo ezisemqoka zokubambisa ngempahla:

ikuvumela ukuthi uxazulule ngokushesha inkinga ebukhali yezindlu emindenini eminingi;
kunezinhlelo eziningi ezibhekise kumaqembu ahlukene omphakathi;
ukuthenga ifulethi ngesikweletu kungukutshala imali okunenzuzo, ngoba ngokuhamba kwesikhathi, izindlu ezithengiswayo zivame ukubiza kakhulu;
okwamanje, okunikezwayo emakethe yezezakhiwo kudlula okufunwayo, okusho ukuthi ungakhetha indawo yokuhlala efanelekile ngentengo engcono;
kukhona ukusekelwa okukhethekile kombuso kwamasosha (ingxenye yemalimboleko iyakhokhwa).

Phakathi kwezinye izinto, kunokuba ukhokhe inyanga nenyanga ngerente, kungcono ukukhokha imali yezindlu. Ngemuva kwakho konke, abanikazi bangakwazi, uma befisa, ukucela abaqashi babo ukuthi baphume, kepha uma kwenzeka kubanjiswa ngempahla, ababoleki banelungelo lokuhlala efulethini futhi balihlomise ngokucela kwabo.

Ngokuqondene nobubi bokubanjiswa kwempahla, kujwayelekile ukuthi uqaphele la maphuzu alandelayo:

ukukhokha ngokweqile okusobala ngenxa yenani elibonakalayo lenzalo (ngisho nasemabhange amakhulu alilokothi libe ngaphansi kuka-11%);
ukukhetha ngokucophelela ababolekisi (hhayi wonke umuntu angathembela ekuvunyelweni yibhange ukukhipha imalimboleko);
amagama ahlaba umxhwele (kusuka eminyakeni emi-5 kuye kwengu-50);
isidingo sokukhokha ngokucacile ngezinsuku okuvunyelwene ngazo (uma kwenzeka kubambezeleka - inhlawulo noma inhlawulo);
ukwephulwa okuhlelekile kwemithetho yokubuyiselwa kwemali ebolekiwe kubandakanya imiphumela emibi kuze kufike ekuthatheni indawo yokuhlala.

Phakathi kwezinye izinto, yona kanye inqubo yokuxhumana nebhange nokusayina yonke imibhalo kungcono kakhulu. Kusho isidingo sokuqoqa izitifiketi namaphepha ahlukahlukene.

Ngasikhathi sinye, ukulinda isinqumo sebhange nakho kungaba yisidina impela, ngoba isikhungo sezezimali sidinga ukubheka hhayi kuphela umlando wesikweletu womuntu ofake isicelo (asiphule kuyo yonke imininingwane ekhona), kodwa futhi ahlaziye nemali ayitholayo, futhi ahlole ukuthi zonke izitifiketi ezinikezwe ikhasimende elikhona yangempela futhi evumelekile ngesikhathi sokulethwa.

5.4. Yiliphi ibhange ongalikhethela ukuthi ubolekise ngempahla yakho - ukubuka konke kwezikhungo zezezimali ezi-TOP 5 ezinemibandela evumayo yokubolekisa

Kulezi zinsuku, imali mboleko yezindlu ingatholwa cishe kuwo wonke amabhange acishe acishe. Ngaphandle kwalokhu, thola isikhungo sezezimali esisezingeni elifanele izimo ezinhle kakhulu futhi uma kunezinkinga kuzohlangana isigamu futhi sikwazi ukunikeza uhlelo lokuhlela kabusha oluthokozisayo, kunzima impela. Ngakho-ke, sizozama ukuhlaziya imakethe ekhona yezinsizakalo zesikweletu bese sibheka 5 amabhange afanele kakhulu wokubhaliswa kwempahla.

Sikhetha njengombandela oyinhloko isilinganiso senzalo, kanye nokutholakala kwazo zonke izinhlobo zezinhlelo ezizothokozisa inani elijwayelekile labantu bezwe lethu.

Ngakho-ke, amabhange alandelayo akumahlanu aphezulu ngokusho kwenqubo ekhethiwe:

I-Sberbank. Kunezinhlelo zokuthengwa kwempahla emakethe yesibili neyokuqala. Izinga lenzalo - 11,4%.
I-VTB 24. Uhlelo oludume kakhulu lwalesi sikhungo sezezimali ngu "Isakhiwo esisha esinoxhaso lukahulumeni"... Leli bhange linamaphesenti aphezulu - 11,75%.
IGazprombank. Lesi sikhungo sezezimali sinikeza amaklayenti aso insizakalo ethokozisayo "Imali mboleko" Ukuxhaswa kabusha "... Ngasikhathi sinye, isilinganiso senzalo 13%.
Ibhange laseMoscowukunikela ngemali mboleko ngokuxhaswa okuthembekile nguhulumeni. Izinga lenzalo - 11,7%.
Ibhange lesikweletu laseMoscow. Uhlelo "Indlu emakethe yesibili", iphesenti elilingana ne 14,25%.

Ngezansi kwetafula elibonisayo elinemikhiqizo ebolekiwe nosayizi wezinga lenzalo yala mabhange:

№	Ibhange	Imikhiqizo yemalimboleko	Izinga lenzalo
1.	I-Sberbank	"Ukuthengwa kwezindlu ezakhiwayo", "Ukuthengwa kwezindlu eseziqediwe"	11,4%
2.	I-VTB 24	"Izakhiwo ezintsha ezinoxhaso lukahulumeni"	11,75%
3.	IGazprombank	Imali mboleko "Ukuxhasa kabusha imali"	13%
4.	Ibhange laseMoscow	Ukubambisa ngempahla ngokusekelwa nguhulumeni	11,7%
5.	Isikweletu Bank of Moscow	"Indlu emakethe yesibili"	14,25%

Ngakho-ke, lapho ukhetha ibhange, kungcono kakhulu ukunaka ngokukhethekile izakhiwo ezinkulu kakhulu zezimali, kanye nokukhetha isikhungo esifanelekile, ngokuya ngezinhlobonhlobo zezinhlelo ezinikezwayo nezinga lenzalo yamanje.

Ungathenga kanjani kahle ifulethi ngezindleko zemali yokubeletha - imininingwane eningiliziwe yokuthenga izindlu kumatcapital

6.Ungalithenga kanjani ifulethi elinenhlokodolobha yokubeletha ngo-2020 - way + instructions 👩‍👧‍👦

Izibalo eziqinisekisiwe zikhombisa ukuthambekela okuthokozisayo: imindeni eminingi iyachitha imali yokubeletha ngokunembile ukuthuthukisa i- izindlu izinhlinzeko, okungukuthi yakha izindlu noma thenga amafulethi.

Vele, akunakwenzeka ukukhokhela izindlu ezintsha ngokugcwele ngemali etholwe nguhulumeni, kepha, isib, kungenzeka ukuthi ukhokhe isitolimende sokuqala semalimboleko noma ngezindleko zenani ebelilahlekile ngaphambili ukunquma ngesivumelwano.

Eminyakeni yamuva, ngaphezulu 70% wemindeni ingane yayo efinyelele 3ngineminyaka yobudala, ngisebenzise izimali ze-MSC (imali yomndeni womama) ngokuthengwa kwempahla.

Vele, ezimweni eziningi, inani elikhishiwe alanele, kepha kaningi lisebenza njengohlobo lwe amandla ezimali, okwenza ukuthi usuke kulayini wokuqala uye efulethini lakho.

6.1. Ungayithenga kanjani indlu yezimali zokubeletha - ukusetshenziswa okuvunyelwe kwezimali + isibonelo

Ngakho-ke, usizo olutholwe kuhulumeni lokuxazulula inkinga yezindlu lungabhekiswa kulezi zinhloso ezilandelayo:

njengenkokhelo yemali mboleko evumelekile,
ukwenza isitolimende sokuqala semalimboleko,
ukugcwalisa isabelomali esilahlekile sokuthengwa kwezindlu zokuhlala.

Into ebaluleke kakhulu ukuthi udinga ukuqonda okulandelayo: akekho onika omunye imali. Uma udinga ukufaka imali ukuze uthenge ingcebo, kuzodingeka uyithenge usebenzisa inkokhelo engenamali. Ngaphambi kokuthengiselana, imali izodluliselwa ku-akhawunti ekhethekile yomuntu futhi izodonswa ngesikhathi sokuthengiselana kuye ivuna umthengisi, kanye nenani eliyinhloko.

Iqiniso elithandekayo ukuthi ungathenga njenge okuyinhlokofuthi kwesibili (okwabantu ngabanye) izindlu. Noma kunjalo Isikhwama Sempesheni YaseRussia izobheka impahla ekhethiwe. Ngaphandle kwesivumelwano sakhe esibhaliwe sokuthengwa kwendawo ethile yokuhlala, ukuthengiselana ngeke kwenzeke.

Into ukuthi into ekhethiwe kufanele ihlangabezane nezici eziningi:

akumele yephule imigomo yenhlanzeko kanye nezifo;
indawo yokuhlala kufanele ibekwe endaweni yeRussian Federation;
ifulethi kumele libe yindawo yokuhlala ngokuphelele (kudingeka isiqinisekiso salesi simo).

Ngokuya ngalezi zidingo, kukhethwa impahla evumelana ne-FIU futhi ingathengwa ngokuzayo ngemali eyimali yokubeletha.

Ngabe imali yokubeletha ingasetshenziswa kuze kube yiminyaka emithathu ukuthenga ifulethi (ngaphandle kwesibambiso)?

Kunomkhawulo okukhulunywe ngawo ngokudlula. Uma ingane ingakabi nesikhathi sokufeza 3 iminyaka, lapho-ke abazali bakhe bengakakwazi ukusebenzisa imali yokubeletha ekwenzeni ngcono isimo sabo sezindlu, noma ngabe izimali zihamba ngendlela enhle (noma ngabe ingane ihlala isesimweni esihle).

Ngaphandle kwalokhu, kunenothi elilodwa elincane lokuthi kubantu abaningi iba yi-panacea yangempela. Kungenzeka ukuthi uthole imali evela ku-FIU iye kwi-akhawunti yasebhange ukuze idluliselwe phambili kubantu besithathu, uma ikhona evulekile yokubambisa, lapho udinga khona njalo ukukhokha inzalo. Kulokhu, izimali zingasetshenziswa ukukhokha imali mboleko yabazali, ngokwesibonelo, abaqala ukwenza ngcono izimo zabo zokuphila ngaphambi kokuzalwa kwengane.

Ngokuya ngalokhu, yonke imindeni emincane iyakwazi ukufinyelela 2 izindlela zokusebenzisa imali yakho engumzali ukuthenga indawo yokuhlala:

ukukhokhelwa kwengxenye yemalimboleko, ebivele isebenza ngesikhathi sokukhishwa kwe-MSC;
ukwenza isitolimende sokuqala kwempahla ebanjiswayo.

Ake senze isibonelo

Ukukhombisa lokhu ngokucacile, ake sizame ukungena esibonelweni esilula. Okomndeni IPetrov ibhange likhiphe imali mboleko yezindlu. Ukugcwaliswa kabusha kuza (ukuzalwa kwengane yokuqala noma yesibili) futhi umbuso ukhipha isitifiketi se- inhlokodolobha yomama.

Iqiniso ngukuthi ingane yabo ayikakaqedi iminyaka emi-3 ubudala, kepha ngenxa yokuthi amaPetrov anesibambiso, angathumela zonke izimali zosizo lukahulumeni ukukhokha ingxenye yesikweletu.

Kulokhu, ingane eneminyaka emithathu ubudala kufanele ilinde ungenzi, kepha kwanele ukunciphisa nje isikhathi semali ebanjiswayo ngokukhokha kusenesikhathi ingxenye yesikweletu.

6.2. Izindlela zokuthenga indlu enenhlokodolobha yomzali

Ezweni lethu, kunjalo Imali yokubelethisa (yomndeni) yisibonelelo esikhulu kunazo zonke sesikhathi esisodwa semindeni evela kuhulumeni. Ngenxa yalokhu, uhla lwemisebenzi engaxazululwa ngosizo lwenhlokodolobha lubanzi impela. Okuhamba phambili kukho konke, njengoba sekushiwo kaningi, ngukuthi uthenga ikhaya lakho.

Cabanga ngezindlela eziyinhloko zokuthenga impahla yakho yokuhlala usebenzisa imali yomndeni. Kunezinketho ezi-3 sezizonke.

Indlela yenombolo 1. Ukuthenga okuqondile

Kulokhu, sisho isimo lapho inhlokodolobha yomama uqobo noma utshalomali lwabo nayo yanele ukuthenga ifulethi.

Vele, esimweni esinjalo, isivumelwano esivamile sokuthenga nokuthengisa sizophothulwa. Kodwa-ke, kukhona i-nuance eyodwa engahlukanisa umthengisi nesivumelwano.

Iqiniso ukuthi izimali azifakwanga ku-akhawunti yakhe ngokushesha. Ngemuva kokuxhumana ne-FIU, kungadlula kuze kufike ku-2-x izinyangangaphambi kokuba imali itholakale kumthengisi wezezakhiwo. Kepha akuwona wonke umuntu ozovumelana nezimo ezinjalo.

Into ukuthi izinqubo eziningi eziphoqelekile zisungulwa ngokusemthethweni okufanele umsebenzi azihlele I-FIU... Ngenxa yalokhu, cishe akunakwenzeka ukubhekana ngokushesha.

Yini okufanele yenziwe umuntu ofuna ukuthenga ifulethi 1 ukukhokha usebenzisa izimali ze-materkapital? Kunezindlela ezimbili zokuphuma:

Noma thola umthengisi ngubani ngivume ukulinda (can, isib, dweba irisidi lemali edluliswe ngokushesha, futhi ukhombise kwinkontileka ukuthi yonke imali izovela kamuva ku-FIU), noma ungahamba ngobuqili ngokwengeziwe.
Indlela yesibili ithi ukucubungulwa kwemalimboleko... Udinga ukuthatha inani elilahlekile ebhange, bese ukhokha imali ebolekiwe ngezimali ezize ngaphesheya 2 izinyanga ku-akhawunti. Kulokhu, kukhona i-nuance eyodwa ebucayi: awukwazi ukuthatha imali enhlanganweni yezimali encane. Izikhungo ezinjalo azikwazi ukusebenza ngezimali ezinikezwe nguhulumeni. Imininingwane yokuthi ungayithola kuphi imali uma wonke amabhange nama-microloans enqaba kuchazwa endatshaneni yethu ehlukile.

Indlela yenombolo 2. Ukwenza isivumelwano ngesikweletu

Uma inani elanele linganele ngisho nenhloko-dolobha yomama, ungacabanga ngakho imali ebanjiswayo... Uma isivumelwano sebhange siphothuliwe, khona-ke abasebenzi be-FIU bazokwazi ukudlulisa lonke inani ku-akhawunti ngokushesha, yize kusazodingeka babheke ubumsulwa bokuthengiselana kusuka ohlangothini olusemthethweni.

Kulokhu, i-algorithm yezenzo ilula:

Kukhethwa indlu efanelekayo.
Kwenziwa isivumelwano semali mboleko ebhange.
Kunokudluliswa ngokusemthethweni kweFIU ngesitatimende esikhethekile.
Konke okwenzekayo kwenzeka futhi umthengi abe ngumnikazi wendawo yokuhlala.

Vele, kuze kube sekukhokhweni okugcwele nebhange, ifulethi lizoba naye kwezokuphepha. Lokhu kusho ukuthi akukho misebenzi nayo ezokwenzeka. Kuzokwenzeka ukuthi uthengise, unikeze noma ushintshe kuphela lapho ibhange selithole yonke imali.

Kulezi zinsuku, zimbalwa futhi zimbalwa izikhungo zezezimali ezinquma ukusebenzisana nezimali zomama, njengoba kuhlotshaniswa nobungozi obuthile, futhi, okubaluleke kakhulu, nokubambezeleka.

Phakathi kwamabhange azinzile kakhulu asebenza ngezitifiketi zomndeni, kulawa amahlanu alandelayo ahlukile:

I-VTB 24;
I-Sberbank;
Ibhange laseMoscow;
I-Alfa Bank;
I-DeltaCredit.

Mhlawumbe, ngasinye salezi zikhungo zezezimali saziwa cishe kubo bonke abahlali bezwe lethu. Ngasikhathi sinye, ngaphandle komehluko ezinhlelweni ezinikezwayo, ngalinye lala mabhange linezidingo ezifanayo zalowo obolekayo. Lokhu kufaka phakathi inhlanzeko esemthethweni yamadokhumenti, amaholo azinzile ezingeni elithile, kanye nokungabikho kwamabala amnyama emlandweni wesikweletu.

Indlela yenombolo 3. Ukutholwa kwesabelo esithile sempahla yangempela

Kulokhu, sikhuluma ngokuthenga ingxenye ethile kuphela yefulethi (igumbi). Into ukuthi ngale ndlela, ungenza ngaphandle kokutshala imali komuntu siqu.

Ngaphandle kwalokhu, ubunzima buba khona obuhambisana nokubhaliswa okuyinkimbinkimbi kwezomthetho kokuthengiselana okunjalo. Izikhulu zikahulumeni zilibheka ngokucophelela igumbi umndeni ofuna ukulithenga. Imvamisa kakhulu bayenqaba abantu ukuthi bakhokhele ukuthenga okunjalo uma, ngokombono wabo, ingane izobe isendaweni entsha ukungakhululeki.

Okuwukuphela kokuhlukile okukhona amakamelo amakhulu, ezinokungena kwazo okuhlukile, kanye nohlobo oluthile lokufakwa (kufanele kungangeneki, futhi kube nomnyango okhiye). Ngesikhathi esifanayo, kwanele ukuthi abazali bacabangele iqiniso elilodwa elilula: umbuso ukhipha imali yokubeletha, kufaka phakathi ukuze umndeni ube nethuba lokuthuthukisa izimo zokuphila zomntwana. Uma igumbi elithengiwe lingaxazululi inkinga, i-FIU izokwenqaba ukukhipha imali.

Ngale ndlela:

indlela enenzuzo kakhulu – ukuthengwa kwengxenye yefulethi (awudingi ukufaka imali yakho), noma kunjalo, kunzima kakhulu ukwenza ukuthengiselana okunjalo;
indlela elilungile sebenzisa inhlokodolobha yomzali - engeza njengenani elilahlekile lapho ukuthenga ngesikhathi esisodwa ukuthengisa izindlu... Kulokhu, kuzofanela ufune umthengisi ozovuma ukuthi ingxenye yezimali, elingana nenani likanhlokodolobha womama, izofika kuye ngokuhamba kwesikhathi. Noma uzodinga ukuthola imali mboleko yesikhashana izinyanga ezingama-2-3;
elula kakhulu ekusetshenzisweni kwendlela yokuthola ifulethi lemali yomndeni - ukubhaliswa kwempahla ebanjiswayo. Kulokhu, yiqiniso, kuzodingeka ukhokhe inzalo isikhashana, kepha usizo lombuso lwengane luzohlanganisa ingxenye yesikweletu.

Imiyalo yesinyathelo ngesinyathelo yokuthenga indlu enenhlokodolobha yomzali

6.3. Ukuthenga ifulethi elinemali eyinhloko yomzali - imiyalo yesinyathelo ngesinyathelo

Inani elikhulu lokwenqatshwa yi-FIU ukukhokhela ukuthengwa kwezimali zabanikazi bemali yokubeletha kukhombisa ukuthi umbuso ngokucophelela uhlola konke ukuhweba. Ukonga isikhathi nobunzima, kwanele ukulandela ukulandelana kwezenzo okulula.

Isinyathelo # 1. Ukukhetha indawo yokuhlala

Kulesi sigaba, udinga ukukhetha indawo yokuhlala engahlangabezana nayo yonke imingcele oyifunayo, kanye "Ngingathanda" kubasebenzi be-FIU.

Okubalulekile! Umbuso uzohlinzeka ngemali yokuthenga ifulethi kuphela elizokwenza ngcono izimo zokuphila zomndeni futhi, ikakhulukazi nengane uqobo.

Isinyathelo # 2. Ukuxhumana ne-FIU

Kumele uye ngokushesha kwiPension Fund nayo yonke imibhalo ekhona. Imvume yokukhipha izimali ingatholakala kuphela ngemuva kokuhlolwa ngokuphelele kwawo wonke ama-nuances wentengiselwano (kufaka phakathi ubumsulwa bayo obusemthethweni).

Kufanele unikeze:

imibhalo yomuntu siqu yabazali nazo zonke izingane,
isitifiketi sokuqala somndeni,
I-SNILS yalowo osebenza ku-FIU,
ikhophi yesivumelwano nomthengisi noma nebhange,
isitifiketi sesikweletu esivele sikhona, uma ngabe kukhishwe imali ebanjisiwe, noma i-akhawunti yamanje yomthengisi uqobo, uma ukuthengiselana kwenziwa ngqo.

Ngaphezu kwalokho, kungadingeka iphepha eliqinisekisiwe ukufakazela lokho ngaphakathi 6 izinyanga, ilungu ngalinye lomndeni lizothola isabelo esithile endaweni ethengiwe.

Isinyathelo # 3. Ukwenza isivumelwano uqobo

Inkontileka kufanele ikhombise wonke amaphuzu ahlobene nokudluliswa kwemali. Kubaluleke kakhulu ukuthi ungakhohlwa ukufaka imininingwane yokuthi ingxenye yezimali izodluliswa kamuva ngokukhishwa kwemali yokubeletha.

Ungalungisa iziqinisekiso ezithile isib, inhlawulo yokudluliswa sekwedlule kwesikhathi kwenani elisele.

Ngokushesha lapho kuqedwa ukuthengiselana, umthengi uthola yonke imibhalo ye-real estate, noma kunjalo, uma kukhishwe isibambiso, kuze kube sekukhokhweni okugcwele kwemali mboleko, indawo yokuhlala izovikeleka yibhange.

Ngakho-ke, lapho uthenga ifulethi usebenzisa imali yokubeletha, kwanele ukukhumbula ukuthi iphuzu eliyinhloko abasebenzi be-PFR abazolinaka ukuthi impahla etholakele ixazulule inkinga yezindlu yengane... Uma, ngakho konke lokhu, isivumelwano siphothulwe ngokufanelekile ngokombono wezomthetho, khona-ke umqashwa weSikhwama seMpesheni ngeke abe nesizathu sokwenqaba.

Imininingwane eningiliziwe yokuthenga amafulethi ezakhiweni ezintsha: izikimu nemiyalo yokuthenga izindlu esakhiweni esakhiwayo noma esevele iqashiwe

7. Ukuthenga ifulethi esakhiweni esisha sc - izikimu zokuthola, amadokhumenti kanye nenqubo yokuthengiselana 📌

Ukuthenga ikhaya lakho - iphupho layo yonke imindeni ejwayelekile. Kwabaningi, le nkinga ingaxazululwa ngokuthengwa kwezindlu vula kwesibili emakethe (sekuzovele kube nokulungiswa kanye nesethi encane yokuxhumana okudingekayo), kepha le nketho ayifanele wonke umuntu.

Abanye abantu bafuna ukuba ngabanikazi bokuqala ezindlini zabo, ngakho-ke baphupha ngendawo yokuhlala esakhiweni esisha... Imvamisa ishibhile kune-real estate yangempela, yize idinga ukutshalwa kwezimali okungeziwe. Umndeni uzokwazi ukuhlela konke uwedwa, yize izindleko zokulungiswa nokuthengwa kwakho konke okudingayo kungakhanga.

Baluleke kakhulu! Inkinga enkulu ingcebo eyinhloko azikho ngisho nezindonga ezingenalutho nokungabi bikho kwezinto ezidingekayo ukuze uphile (indawo yokugezela enefenisha, ifenisha, isiqandisi, isitofu, njll.), kepha inani elikhulu lezingozi ezihambisana neqiniso lokuthi indlu ingahlala ingaqediwe.

Kulokhu, abaqashi besikhathi esizayo banethuba lokusayina isivumelwano sokulingana, kepha umakhi ongaqotho angamisa ukwakhiwa futhi anyamalale ngemali.

Ungazivikela kanjani? Kungenzeka yini ukunciphisa izingozi? Ake sizame ukufingqa imininingwane eshiwo ngaphambili bese sibheka le nkinga ngokuningiliziwe.

7.1. Ungayithenga kanjani ifulethi esakhiweni esakhiwayo / esiqashiwe - izikimu

Ungathenga indawo yokuhlala esakhiweni esisha njengalapho isakhiwa (ngokomzimba kungenzeka ukuthi ayikabi khona, kusukela kule phansi, isib, awakhiwe namanje), nangemva kokuthuma.

Kunengqondo ukuthi lapho kusayinwa inkontileka kusenesikhathi, umthengi uzoba nokukhetha okungaphezulu, futhi nendawo eshibhile yokuhlala ethile izobiza yena. Ngokuya ngalokhu, kungaphikiswa ukuthi kunenzuzo enkulu ukwenza isivumelwano uma kukhona kuphela umgodi.

Uma unjiniyela kuvela ukuthi uthembekile futhi unolwazi, khona-ke wonke umsebenzi uzophothulwa ngesikhathi, futhi abaqashi abasha bazothola amafulethi abo ngamanani aphansi kakhulu kunamanani emakethe.

Qaphela! Kusesigabeni sokumba lapho izingozi zikhulu kakhulu, ngakho-ke kudingeka uqaphele ikakhulukazi futhi uqaphele lapho ufunda imibhalo yenkampani yokwakha.

Ukuthenga izindlu nomhlaba ezimakethe eziyinhloko, kufanele uzame ukuxhumana ngqo nonjiniyela noma nabatshalizimali bakhe, noma unake abantu abathathu (osonkontileka noma abenzeli bezindlu).

Ngaphezu kwalokho, kukhona abantu ababandakanyeka kumasisa ukuthenga amafulethi ezakhiweni ezintsha... Bayazithenga ngentengo encane, bese bezidayisa ngokushesha, noma baqale benze ukulungisa okungabizi kakhulu futhi bazithengise ngezindleko eziphakeme.

Umthengisi ngamunye ulungele umthengi ngendlela yakhe. Ama-ejensi akhethekile azothatha ukuqoqwa kwemibhalo nokukhethwa kwefulethi, okusho ukuthi bazokonga isikhathi esiningi futhi kuzokongela imizwa yakho.

Inkampani yonjiniyela izonikela kakhulu amanani aphansi, kanye nokukhethwa okubanzi kwamafulethi amakilasi ahlukahlukene kuzo zonke izindawo zedolobha.

Iziphathimandla zikamasipala nazo zingabhekana nokuthengiswa kwezindlu kumakhosikazi ahlala. Le nketho ifanele labo abafuna ukunciphisa izingozi.

Inketho enhle kakhulu ezimweni eziningi i- ukuthengwa kwendlu kumthengisi futhi, owenza umsebenzi wokulungisa ngokuzimela futhi uthenge izinto ezidingeka kakhulu. Kulokhu, intengo isazoba ngaphansi kunentengo yemakethe, yize kuzodingeka ukhokhe ngokweqile.

Ngokombono wethiyori, kungenzeka ukuthi uthenge izindlu ezakhiweni ezintsha usebenzisa olunye lwezinhlelo ezikhona:

share share;
ukusayina isivumelwano sokubamba iqhaza kokulingana (i-DU);
ukujoyina umfelandawonye okhethekile (HSC);
ukutshalwa kwezimali kwezokwakha;
ukuxhumana nosonkontileka onikeza amalungelo akhe okuthenga izindlu nomhlaba ngemuva kokuphothulwa kwendlu.

Vele, kuleli cala, kubhekwa lezo zinketho kuphela ezingaba lusizo kuzo zombili izinhlangothi.

Kukhona nezinhlelo ezemukeleka kakhulu kumthengisi wasekhaya kuphela: ukusetshenziswa kwezikweletu, futhi isiphetho sesivumelwano sokuqala sokuthengisa nokuthenga.

Esimweni sokuqala, kutholakala ukuphepha, bese kuthi umthengi abe ngumtshalizimali ekwakheni. Isimo esihle kakhulu secala uzokwamukela ifulethi lakhe ngokubuyisela umthethosivivinywa konjiniyela. Okubi kakhulu - inkampani yokwakha izobuyisa lonke inani, futhi indawo yokuhlala izovela ngentengo. Lokhu kungenxa yokuthi ngokusemthethweni isikweletu sokushintshana cishe akunakwenzeka ukuzihlanganisa nefulethi. Ubamba iqhaza amarisidi, eqinisekisa iqiniso lokudluliswa kwemali.
Inkontileka yangaphambi kokuthengisa bese kusho ukwenza 100% ukukhokha kusengaphambili. Ngesikhathi esifanayo, ngemuva kokuphothulwa kokwakhiwa, unjiniyela uqala azenzele amafulethi amasha, bese edlulisela elinye lawo kubunikazi bomuntu osayine isivumelwano esihambisanayo. Uhlangothi olulodwa, yonke into icacile futhi icace ngokwanele, nomunye, njengasendabeni yesikweletu sokushintshana, umthengi kungenzeka angalokothi athole indawo yokuhlala.

Imiyalo yesinyathelo ngesinyathelo yokuthenga ifulethi esakhiweni esisha kulo nyaka

7.2. Ukuthenga ifulethi esakhiweni esisha - imiyalo yesinyathelo ngesinyathelo ngo-2020

Ingibe enkulu yokuthola indawo yokuhlala ekhaya elisha iqiniso lokuthi inqubo yokuthengisa ngokwayo iqala isikhathi eside ngaphambi kokuqedwa kwawo wonke umsebenzi. Lokhu kulandela ukuthi, Okokuqala nje, kunethuba lokonga imali, ngasikhathi sinye ukuzibeka engcupheni yokusala ungenalutho uma kwenzeka kubanjwa umqambi onobuqili, futhi, Okwesibili, ngesikhathi indlu isisebenza, amanye amafulethi athakazelisa ngamanye amapharamitha azobe esethengisiwe.

Ngasikhathi sinye, uma, noma kunjalo, othile enquma ukukhokha inkampani yokwakha ngaphambi kokuqalisa ukusebenza kwendlu (iminikelo ejwayelekile ivivinya kakhulu), lapho-ke ngeke kube khona ukukhuluma nganoma yikuphi ukuthengiswa nokuthengwa. Ifulethi kungenzeka ukuthi alikho namanje, ngakho-ke kungenzeka ukuthola ubunikazi kuphela ngemuva kokuphothulwa kwawo wonke umsebenzi.

Ngakho-ke, ukuze ungalahlekelwa yimali futhi ube ngumnikazi wempahla ethokomele esakhiweni esisha (ifulethi kungenzeka lishibhile kunenani lemakethe), kwanele ukulandela ngokucacile izincomo zochwepheshe, ukunamathela ekulandelaneni kwezenzo okulandelayo:

Isinyathelo # 1. Sikhetha inkampani yokwakha

Ekuqaleni, udinga ukukhetha izinto eziningi ozithandayo, bese uhlola imininingwane ngabathuthukisi babo kwi-Intanethi. Uma inkampani idume ngokufeza izibopho zayo njalo futhi iletha zonke izindlu ngesikhathi, lapho-ke kuzoba nemininingwane ethile mayelana nokwakhiwa okuqediwe. Uma idumela lonjiniyela lilunyonga, khona-ke kwesinye isithangami abantu sebeke baxoxa ngaso.

Kulokhu, kubalulekile ukuhlukanisa phakathi kokubuyekezwa okungalungile kokuma okuhlukile. Abanye bangakhuluma ngeqiniso lokuthi usimende ubuyawa (leli qiniso, yize lingemnandi neze, kepha inkosi enhle izolungisa yonke into ngokushesha), kodwa kokunye ukuthi ukwakhiwa, okwaqalwa emuva ngo-2006, akukapheli. Esimweni sesibili, asikho isidingo sokuxhumana nonjiniyela onjalo.

Isiqinisekiso esibaluleke kakhulu kumuntu ofuna ukuthenga ifulethi esakhiweni esisha isivumelwano sokulingana esifanele... Kulokhu, kudingekile hhayi nje ukuhlola isivumelwano ngokunganembile kwezomthetho, kepha futhi ukucacisa nenkampani yokwakha ukuthi ngabe ibhalisa wonke amaphepha asayinwe ngabathengi kwiFederal Registration Service.

Kuyaphawuleka ukuthi konke lokhu kubhaliwe eMthethweni Inombolo 214-FZ... Uma izinkontileka zibhalisiwe, ukuthengiswa okuphindaphindwayo kwendlu efanayo kuyakhishwa.

Ngokwengeziwe, ungabuza ngokutholakala kwezinhlelo zokubambisa ngempahla ezisebenza entweni yonjiniyela okhethiwe. Amabhange akhipha imalimboleko kuphela ngemuva kokubheka yonke imibhalo yenkampani yokwakha, ngakho-ke uma kukhona okunikezwayo, khona-ke konke kuhamba kahle ngamaphepha.

Isinyathelo # 2. Ukuzihlola kwakho yonke imibhalo

Ungathembeli emabhange kuphela noma komunye umuntu. Kungcono uhlole wonke amaphepha wedwa... Kumele kuqashelwe ukuthi umthetho wamanje uhlinzekela ukufinyelela kwamahhala kwemibhalo yokwakhiwa kwanoma iyiphi into ehleliwe.

Ngokuya ngalokhu, wonke umuntu unelungelo lokubuyekeza izimvume kanye nazo zonke izinhlobo zamaphepha ezihambisana nokwakhiwa kwesakhiwo esithile sokuhlala.

Yini okufanele uyibheke kumadokhumenti ka-2020?

Nalu uhlu oluyinhloko lwamadokhumenti adingekayo ekwakheni:

amaphepha aqinisekisa amalungelo wonjiniyela esiqeshini somhlaba asisebenzisa ukwakha indlu;
imvume yokwakhiwa kwento ngokwenqubo (inani lezitezi nalo kuxoxiswana ngalo ngaphambi kwesikhathi);
izivumelwano zokutshalwa kwezimali;
isenzo esiqinisekisa ukuqedwa komsebenzi nokufakwa kwamafulethi endlini (sidingeka kuphela lapho ukwakhiwa kuqediwe).

Isinyathelo # 3. Sesha imininingwane mayelana nenkampani yesevisi

Inkampani yabaphathi, ezoqhubeka nokugcina "ukusebenza" kwendlu ngemuva kokulethwa kwayo, kungenzeka isib, bakhokhisa imali ephezulu kakhulu ngezinsizakalo zabo. Kungakho-ke kungcono ukubuza ngakho kwi-Intanethi noma ushayele i-hotline esehhovisi.

Abasebenzi benkampani yesevisi kudingeka ukuthi banikeze imininingwane esesikhathini... Uma sikhuluma ngendawo yokuhlala yonke noma ikota, ehlala umakhi oyedwa, ngakho-ke kungcono ukuxhumana nezakhamizi zezindlu esezakhiwe. Bazokwabelana ngolwazi lwangempela kakhulu.

Isinyathelo # 4. Kusayinwa inkontileka

Esimweni lapho bekungekho zinkinga ezigabeni ezedlule, ungaqhubeka nokwenza isivumelwano.

Imininingwane elandelayo kufanele icaciswe esivumelwaneni sokubamba iqhaza kwi-equity:

lonke ulwazi mayelana nonjiniyela;
idatha yomthengi (lowo obamba iqhaza ekutshalweni kwezimali zokwakha);
izici ezibalulekile zefulethi;
indlela ekhethiwe yokudlulisa imali;
umnqamulajuqu wokuphothulwa komsebenzi wokwakha.

Ungakhohlwa ukuthi isivumelwano esinjalo kufanele sibe ibhalisiwe... Ngasikhathi sinye, lonke ulwazi oluchazwe ngokungaqondakali lukubeka ngokusobala ukuthi ukuthenga ifulethi elinobungozi obuncane esakhiweni esisha kuyinkinga impela, yize kunjalo impela.

Ukuze uthole isaphulelo esimangazayo (intengo yezindlu ezakhiwayo ihlala ingaphansi kwemakethe) kuzodingeka ilwe, inikeze isikhathi nezinzwa.

Ngaphezu kwalokho, kufanele ulungiselele ngokushesha iqiniso lokuthi lelo fulethi lizoba yindlu yefulethi kuphela ngemuva kokuphothulwa komsebenzi. Naphezu kwakho konke, lo mzuzu, ngokukhethwa okulungile konjiniyela, nakanjani kuzofika ngolunye usuku.

7.3. 5 izingozi ezinkulu lapho uthenga ifulethi esakhiweni esisha

Izinzuzo zokuhlala ezindlini ezintsha sezivele zashiwo kaningi: ashibhile.

Ukuxhumana okukuzo kusha, futhi ukwakheka kwesimanje futhi kuyasebenza ukwedlula ezindlini ezindala. Ngaphandle kwalokhu, kunama-nuances amaningi, ngenxa yalokho abaningi besaba ukucabanga ngokuthenga indawo yokuhlala esakhiweni esisha.

Ake sicabangele izingozi ezinkulu ukuze sivikele bonke abathengi abangaba khona futhi sigweme amaphutha.

Ubungozi # 1. Ukuba khona kwezingxabano ezisobala eziphathelene namalungelo omhlaba

Kulokhu, kuyaqondakala ukuthi ezinye izindawo zokwakha zibekwa ngabathuthukisi abangathembekile emhlabeni okungenzeka babelwe wona ngokusemthethweni noma onesimo esiyimpikiswano.

Ama-nuances anjalo angaholela eqinisweni lokuthi noma kwenzeka ukuqedwa ngempumelelo kwawo wonke umsebenzi, lapho imali yabahlanganyeli bezimali isetshenzisiwe empeleni, kungavela ukuthi umakhi akanamalungelo endlu. Ngemuva kwalokho kudilizwa noma kudluliselwe kubunikazi babantu abathathu, futhi abaqashi abangahle basale bengenalutho.

Ubungozi # 2. Ukwakhiwa, oku-limbo

Ngezizathu ezahlukahlukene, inqubo yokwakha indlu ingamiswa noma iqandiswe isikhathi esithile: kungahle kube nezinkinga ngonkontileka noma abaphathi bendawo, imali ingahle iphele noma unjiniyela angathembeki.

Kungcono ukubuza ngomlando wenkampani yokwakha, futhi uzijwayeze ngohlu lwamaphrojekthi asevele aqediwe.

Futhi, ungakhohlwa ngokufuna izinhlelo zokubambisa ngempahla, njengoba kushiwo ngaphambili. Ibhange elihlinzeka ngemalimboleko yendawo ethile kufanele lihlole umakhi noma umnikazi wayo.

Ubungozi # 3. Ikhwalithi enganele yezinto ezisetshenzisiwe

Umthuthukisi ongathembekile akudingeki anyamalale ngemali noma aqhamuke namaqhinga ayinkimbinkimbi okukhwabanisa. Kwanele ukuthenga izinto ezingabizi usebenzisa, isib, ngalezi zinhloso usonkontileka wangaphambili.

Isibonelo, inkampani yokwakha ingathenga izintambo ezishibhile, amapayipi asezingeni eliphansi noma amabhethri amabi, okuzokwenza ukuthi kubande ebusika. Izinto ezinjalo azikwazi ukubhekwa ngokushesha, ngakho-ke inkontileka kufanele ikhombise Isikhathi sewaranti, futhi esenzweni sokwamukela kufanele kuboniswe ngendlela edingekayo ukuthi akuyona yonke into eqinisekisiwe.

Ubungozi # 4. Ukuthengiswa okuphindiwe kwendawo yokuhlala efanayo

Kukhona nezinhlelo ezinjengalezi lapho unjiniyela ekwazile ukuthola imali kubantu abaningana efulethini elifanayo.

Isivumelwano sokubamba iqhaza sokulingana kuphela esivumela ukuthi unikeze umuntu indawo yokuhlala ethile, futhi umvikele enkohlisweni.

Ukubhaliswa kwesivumelwano neFederal Service kusho ukuthi yonke imibhalo iqinisekisiwe. Ngaphezu kwalokho, uma kwenzeka isimo siphikiswa, uma icala lifika enkantolo, isinqumo siyothathwa esivuna lowo inkontileka esemthethweni ebhalisiwe.

Ngakho-ke, akufanele wesatshiswe ukuthengwa kwamafulethi esakhiweni esisha. Njengoba kuchaziwe ngaphambili, ubungozi bukhona. Ngaphandle kwalokhu, zingadlula ngaphandle kwezinkinga, uma uphatha yonke into ngokucabangisisa bese ukhetha unjiniyela onokwethenjelwa. Lokhu akunzima kangako ukukwenza, ngoba i-Intanethi iyatholakala, lapho ungathola khona inqwaba noma ngisho namakhulu ezibuyekezo ngenkampani ethile yokwakha.

Kungakho, ukuze ube ngumnikazi wendawo yokuhlala ku ikhaya elisha ngokuhlelwa okuhle nakho konke ukuxhumana okudingekayo, kwanele ukuzijwayeza ngolwazi olungenhla bese usebenzisa izincomo zochwepheshe, kanye nemiyalo ehlongozwayo yesinyathelo ngesinyathelo.

Ungayithenga kanjani ifulethi edolobheni elikhulu: eMoscow, eSt. Petersburg (eSt. Petersburg) nakwamanye amadolobha amakhulu - izici nama-nuances

8. Ukuthenga ifulethi eMoscow naseSt. Petersburg 🌆 - izici zokuthenga izindlu zokuhlala enhlokodolobha naseSt.

Ngeke kube yimfihlo kunoma ngubani ukuthi isifunda ngasinye, idolobha ngisho nendawo ngayinye ehlukile inemininingwane yayo yokwenza ukuthengisa nokuthenga. Lokhu kungenxa yokuthi kuvela izinto ezahlukahlukene ezizothinta impilo yabantu ngandlela thile, okusho ukuthi udinga ukubazi kusengaphambili, futhi uqonde nokuthi bangathintani.

Ngakho-ke, ake sicabangele izici zenhlokodolobha neSt zokuhlala ukuthengisa izindlu. Ngingathanda ukuqaphela zisuka nje ukuthi amanani ahlala ephakeme lapha kunezinye izifunda zezwe. Lokhu kuxhunyiwe, kunjalo, ngezinga eliphakeme lamaholo. Yingakho, isib, isakhamuzi sedolobhana elincane kuzodingeka songe isikhathi eside kakhulu ukuze ekugcineni sibe ngumnikazi wendlu okungenani eyodwa enekamelo elilodwa eMoscow.

Phakathi kwezinye izinto, ngisho idolobha elikhulu kwesinye isikhathi kunzima kakhulu ukuqongelela inani lezindlu ezintsha ezifiselekayo, yize idolobha elikhulu licabanga ukutholakala kwamathuba amaningi wenguquko enkulu endleleni yokuphila, ngoba amalifti ezenhlalo ezweni lanamuhla awakhanselwanga.

Ake sicabangele kabanzi isimo samanje. Kokubili eMoscow naseSt. Petersburg bazocela ubuncane bendlu "eshibhile" 4 million, futhi kwezinye izikhangiso ungathola isicelo ngisho segumbi elilodwa kuze kufike ezigidini eziyi-10

Okuphakathi 2-k. ifulethi (ngesethi ephelele yamakamelo omndeni omncane nemidwebo oyifunayo) izobiza kusuka ku-RUB 10,000,000noma kunjalo, ungonga imali ngokubheka impahla endlini endala enesakhiwo esibi. Noma kunjalo, le nketho ayifanele wonke umuntu.

Ngokususelwe kukho konke okungenhla, isiphetho esilula singadonswa: ukuthenga indawo yokuhlala encane, udinga ukusebenza ngokungakhathali, uthole amaholo aphezulu noma ube nokonga okukhulu - isigidi noma ngaphezulu (isib, esethole ifa noma isipho esivela ezihlotsheni). Kunzima ngeMuscovite emaphakathi noma iPetersburger ukuthi iqoqe ngokuzimela inani elidingekayo.

Sikukwazisa ukuthi ufunde i-athikili yethu yokuthi ungasenza kanjani isigidi sefulethi nganoma iyiphi enye injongo kusuka ekuqaleni.

Kulabo abavela kwamanye amadolobha, inketho efaneleke kakhulu yile ukuthenga ifulethi elinempahla ebanjiswayo... Imiholo eMoscow naseSt. Petersburg izokuvumela ukuthi ukhokhe kahle, ngenkathi usale "ukugeleza", okungukuthi, ukugcina izinga lokuphila elisezingeni elifanele. Imvamisa, lowo mbuzo ubucayi kulabo abafuna ukuthuthela enhlokodolobha ukuze bayohlala unomphela, noma banakekele izingane zabo ezihlela ukutadisha emanyuvesi asenhlokodolobha.

Kunoma ikuphi, kungenzeka ukuxazulula le nkinga noma ingekho imali edingekayo, kepha kulula kakhulu ukukwenza ngokheshi. Ukuba nayo yonke imali esesandleni, eMoscow naseSt. Petersburg, ungakwazi wedwa noma ngosizo lomthengisi wezindlu thola indawo yokuhlala efanele ngesikhathi esifushane.

9.Imibuzo ebuzwa njalo nezimpendulo zayo ❔

Sebenzisa imali enkulu ubusuku bonke noma uthathe imalimboleko, okuzofanele uyikhokhele iminyaka engaphezu kweyishumi nambili - ibhizinisi linesibopho impela futhi liyinkimbinkimbi... Kungakho cishe wonke umthengi wezindlu zokuhlala anemibuzo eminingi. Kuphephile ukusho ukuthi zonke zihlobene nenqubo ukukhetha futhi inkokhelo yendawo yokuhlala, kanye nalawo maphuzu okufanele uwanake ngaphambi kokusayina inkontileka yokuthengisa.

Ake sizame ukuhlaziya imibuzo ejwayelekile kakhulu, futhi sinikeze izimpendulo eziphelele kuyo, ukuze umfundi ngamunye abheke umsebenzi womthengisi futhi aqale ngokuzimela afune indawo yokuhlala. Lokhu, njengoba kushiwo ngaphambili, kunzima kakhulu, kepha konga imali futhi kunesipiliyoni esijabulisayo.

Umbuzo 1. Iyiphi indlela engcono yokuthenga ifulethi - ngokuzimela (ngaphandle komthengisi wezindlu) noma ngomxhumanisi?

Imvamisa, lo mbuzo ukhathaza wonke umuntu ngaphezu kwabanye. Into ukuthi kunzima kakhulu ukuthola umthengisi wedwa. Kuzofanele uhambe uye ezingxenyeni ezahlukahlukene zedolobha futhi uhlangane nabantu abangalindelekile. Ochwepheshe uzokwenza konke ezingeni eliphezulu kakhulu, uzothola inketho enhle kakhulu ngokushesha okukhulu.

Qaphela! Ochwepheshe bayeluleka ukuthi bahlanganyele ekukhetheni indawo yokuhlala bebodwa kuphela uma kukhona okuthile isipiliyoni.

Uma kwenzeka kuba nesidingo sokuthenga ifulethi, noma kunjalo, asikho isikhathi noma isifiso, futhi okubaluleke kakhulu, akukho lwazi olufanele, kungcono ukuya ngqo umthengisi wezindlu.

Uma kukhona abantu abasondelene nabo abasanda kuthengisa / bathenga ingcebo, ungabacela usizo. Kungenzeka, baqonde kahle isimo samanje semakethe, bazi amanani wamanje kanye nemininingwane yokwenza isivumelwano.

Ukuqonda ukuthi kuyadingeka yini ukuphendukela kochwepheshe esimweni esithile, kwanele ukuhlaziya izindlela ezilandelayo: ijubane lokuthengiselana, ubungozi, nezindleko zezezimali.

Vele, umthengisi onolwazi uzothola umthengisi ofanele ngokushesha. Okokuqala nje, uyazi ukuthi yini okufanele ayibheke kuqala. Okwesibili, kungenzeka, uyakwazi ukufinyelela ku-database ekhethekile, lapho inani elikhulu leziphakamiso selivele lihlelwe ngokuvumelana nazo zonke izinhlobo zemibandela (amavidyo, ukutholakala kwengqalasizinda, ikhwalithi yokulungiswa, inani lezitezi zendlu, njll.).

Nini ukucinga okuzimele amafulethi kuzodingeka achithe isikhathi esiningi ebheka izikhangiso zamaphephandaba, amabhodi ezaziso nezindawo ezikhethekile kwi-Intanethi.

Ngokuqondene nokwethenjelwa, lapha, okungenangqondo kangako, ukusebenza nomxhumanisi ochwepheshe kuzoba yingozi encane. Kodwa-ke, uma ulandela zonke izincomo eziphawulwe ngaphambilini, ungazivikela ezingeni elifanele lapho usesha umthengisi ngokwakho.

Umbandela wokugcina uthakazelisa kakhulu. Vele, uma usesha wedwa, ngeke kudingeke ukhokhele izinsizakalo zomunye umuntu. Ngisho namaphephandaba amaningi akhangisa manje asatshalaliswa mahhala... Ngokuqondene nokuxhumana nomthengisi wezindlu, kufanele ukhokhe okhethekile ikhomishini kumlamuli... Kungaba kukhulu ngokwanele. Yilesi sizathu esivimbela abantu abaningi ekuxhumaneni ne-ejensi ekhethekile.

Uhlobo lokuyekethisa luya kummeli ukuze asizwe ngemibhalo ngemuva kosesho oluzimele lomthengisi. Kulokhu, kuzodingeka usebenzise imali encane kakhulu, ngoba inkokhelo kungenzeka ukuthi ingenziwa njengephesenti lokuthengiselana, kodwa ngesilinganiso esimisiwe.

Ithebula lokuqhathanisa lokuthenga ifulethi ngaphandle kwe-realtor nangosizo lwakhe:

№	Indlela yokuqhathanisa	Ukuthenga ngaphandle kwe-realtor (wedwa)	Ngomlamuleli
1.	Ukuthembeka	HHAYI enokwethenjelwa kakhulu (±)	Ithembeke ngokwanele (+)
2.	Isivinini sokuthengiselana	Kancane(-)	Ngokushesha (+)
3.	Izindleko zezezimali	Okuncane(+)	Iyabonakala(-)

Umbuzo 2. Imiphi imibhalo edingekayo ukuthenga ifulethi ngo-2020?

Ukuze uhlele konke kahle futhi ube ngumnikazi ogcwele wefulethi elikhethiwe, udinga ukusondela ngokucophelela kunqubo yokuqoqa amaphepha adingekayo. Uhlu lwabo alubalulekile kangako, kepha kufanelekile ukubheka konke futhi ukuze ungakhohlwa lutho.

Ngakho-ke, nalu uhlu lwamadokhumenti wokuthenga ifulethi:

omazisi bomthengi nomthengisi;
amadokhumende aqinisekisa amalungelo empahla ye-real estate (kulokhu, noma yiluphi uhlobo lwenkontileka lufanelekile: ukuthenga nokuthengisa, umnikelo wokwenziwa ngasese, njll.);
AmaMuscovites adinga i-EZhD (idokodo lezindlu elilodwa);
ibhuku lendlu nesitifiketi esikhethekile esiqinisekisa ukungabikho kwazo zonke izinhlobo zezikweletu (ezivela kumthengisi);
isivumelwano esiphethwe ngqo ngokuthengiswa kwezakhiwo (isivumelwano sokuthengisa nokuthenga).

Yini i-EZD? Idokhumenti yezindlu ehlanganisiwe Ingabe iphepha elikhethekile elifaka indawo esikhundleni semvelo 13 izinkomba.

EZD yasungulwa ukuze kube lula ukukhalaza kwezakhamizi ezinhlakeni zombuso futhi kunqotshwe ubuhhovisi, ngoba sasingekho isidingo sokuthola njalo nokuhlinzeka okuningi 10 izinkomba ezahlukahlukene.

Kwezinye izimo, osekuxoxwe ngazo ngaphezu kwesikhathi esisodwa ngaphambili, amaphepha angeziwe angadingeka:

isitifiketi sokubhaliswa komshado;
imvume yalowo oshade naye wesibili wokudlulisela izakhiwo nempahla yomunye umuntu (uma kuyimpahla ehlangene);
isitifiketi esivela kuziphathimandla zokugada (esidingeka lapho umnikazi esemncane).

Phakathi kwezinye izinto, okuqukethwe kwenkontileka kufanele kufundwe kaningana. Kungcono ukucela usizo lommeli omaziyo ukuthi ahlole isivumelwano phakathi komthengisi nomthengi we-real estate ngokungahambisani nomthetho.

Umbuzo 3. Ungalihlola kanjani kahle ifulethi olithengayo? Yini enquma inani layo?

Noma ngubani ofuna ukuba ngumnikazi we-real estate, ngenkathi kuthengwa, ufuna ukonga imali hhayi ukukhokha ngokweqile. Eqinisweni, ngalokhu kwanele ukwazi izindlela eziningi lapho kwenziwa khona ukuhlolwa kwamafulethi, nokufunda ukuthi uzisebenzisa kanjani usebenzisa izibonelo ezimbalwa.

Amapharamitha alandelayo athinta izindleko eziphelele zendawo yokuhlala:

inani lezitezi zesakhiwo, kanye naphansi lapho ifulethi likhona;
ikhishi elikhulu noma elincane;
ukwakheka okujwayelekile (okudala, okwenziwe ngcono, kwesimanje, mahhala);
lapho indlu yakhiwa, nokuthi hlobo luni (ngokwesibonelo, ingabe inezakhiwo zokuphatha, igceke lifihliwe);
ukuthi insimu eseduze ifakwe kanjani;
mangaki amakamelo akhona;
okuphelele nokwendawo yokuhlala (ngaphandle kwezingxenye ezingafudunyezwanga, kufaka phakathi kuvulandi);
isimo sangaphakathi (noma ngabe kukhona ukulungiswa kwezimonyo, kukusiphi isimo nesitayela);
kukhona i-loggia, uvulandi (uma kunjalo, acwebezelisiwe);
Ukushisa indlela (umuntu ngamunye noma eyodwa);
indlu yokugezela ihlanganiswe nendlu yangasese;
inani elilinganisiwe lezinkokhelo zanyanga zonke zezinsiza;
indawo lapho indlu ikhona (maphakathi, izimboni, emaphethelweni);
ingqalasizinda yayo;
Izici zonjiniyela, ezingaba yinkampani enolwazi futhi eyaziwa kahle, kanye nenkampani esanda kwakhiwa (efanelekile kulabo bantu abathenga indawo esakhiweni esisha);
amaphesenti amangaki endlu esakhiwa eyilungele ukusetshenziswa.

Ngemuva kokuhlaziya zonke lezi zinto ngecala elithile, singaphetha ngokuthi intengo yefulethi elithile ihambelana kanjani neqiniso. Emakethe njengoba kwesibilifuthi ingcebo eyinhloko ingatholakala futhi phezulu amanani, futhi phansi.

Uma kwenzeka ukuthi izindleko zeqiswe ngokucacile, singasho ngokuphepha ukuthi umthengisi ufuna ama-simpletons, ozokhokhela ifulethi lakhe ngisho elifanele impela njengoba esho. Uma inani selivele liphansi kakhulu, khona-ke noma ngabe kukhona okungahambi kahle ngendawo yokuhlala (omakhelwane bahlala bekhukhula noma behlambalaza, awekho amanzi ashisayo, izinkinga ezingapheli ngogesi) noma uhlobo oluthile lwenkohliso luyaqalwa. Ngaphezu kwalokho, ungabanjwa bobabili kubalamuli abanobuqili abaheha amakhasimende ngamanani aphansi, bese usho intengo entsha, nangokucacile abaphangi.

Phakathi kwezinye izinto, kukhona 2 izikhathi, okuvame ukufakwa entengweni ngumthengisi: inkokhelo yezinsizakalo zokulamula (uma umthengisi ephendukela kumthengisi, khona-ke kungenzeka ukuthi usefake okungenani ingxenye yemali entengo yefulethi ukumboza izinsizakalo zakhe) futhi ukuxoxisana okungenzeka... Ngakho-ke, kungenzeka ukuthi wehlise kancane inani lokugcina uma uzama ukukhuluma nomthengisi. Abanye abantu baqale babheke izikhangiso lapho kukhonjiswa khona ukuthi umuntu uthengisa izindlu noma izakhiwo ngaphandle kwabalamuli. Lokhu kuphakamisa ukuthi kungenzeka ukuthi kube khona ukonga imali.

Ungayithenga kanjani ifulethi uma ingekho imali? Ngingazithathaphi? Kungenzeka yini ukuthenga ifulethi ngaphandle kwemali - le yimibuzo evame ukubuzwa

Umbuzo 4. Ungayithenga kanjani ifulethi uma ingekho imali?

Cishe wonke umuntu unombuzo onjalo. Ungalahli ithemba, ngoba ikhona indlela yokuphuma: ngoba ungasebenzisa lokhu ukucubungulwa kwemalimboleko, imali ebanjwayo noma usebenzise okungasetshenziswanga Imali yokubelethisa.

Ukuze ungasebenzisi imali eningi, ungabheka izindlu nomhlaba ezakhiweni ezitholakala kuphela isigaba sokwakha... Kulokhu, ungafaka isicelo semalimboleko ngokuphepha, ngoba izindleko eziphelele zizobe ziphansi kakhulu kunalezo zemakethe.

Naphezu kwabo bonke ubunzima, umndeni osemusha uzoba nokuthile okufanele ukubekezelele: ngisho 5-10 iminyaka yokonga, kepha efulethini lakho uqobo, lapho ungakwazi khona ngokuzimela ukuhlomisa iziko lomndeni.

Ukuba nempahla yakho uqobo, lapho ungahlala uhlela yonke into ngendlela yakho, kuyisikhuthazo esihle kakhulu sokuhlala nemikhawulo ethile (kuzofanele uphile impilo ebekelwe imingcele ngesikhathi sokubuyiselwa kwemali mboleko).

Umbuzo wenombolo 5. Ungathenga kanjani ifulethi ngaphandle kwemali mboleko kanye nemali mboleko?

Futhi kuthiwani uma singekho isifiso sokuboleka ebhange noma lingekho nje ithuba lokukhokha izinkokhelo zanyanga zonke ngenxa yemali ephansi? Kulesi simo, kunendlela eyodwa kuphela yokuphuma - londoloza nganoma iyiphi indlela etholakalayo... Kuzothatha isikhashana ukungashiyi izindlu ezingabizi (cishe umzali) bese ugcine yonke imali eyengeziwe.

Kwanele ukwenza izibalo ezilula ukuthola ukuthi ngaphandle kokuthatha imali mboleko yesikhathi eside (kwesinye isikhathi kungadonsela phambili iminyaka engu-30), ungacishe 2 ngokushesha ukuze ube ngumnikazi ophelele wefulethi elisha. Vele, ngeke kwenzeke ukuhlala kuyo ngokushesha kuze kube yilapho yonke imali isiqoqiwe (esimweni semalimboleko, izinto zihlukile kancane), kepha ngeke kudingeke ukhokhe inzalo ngokweqile.

Into ebaluleke kakhulu ngale ndlela ukubona ukuthi kungazelelwe kukhona okungenzeka kusebenze. Lokhu kusho ukuthi uma ngaleso sikhathi bekudingeka ukuthi kubuyiswe imali ebolekiwe, khona-ke isimo besizoba sibi kakhulu ngenxa yokushoda kwezimali ngisho nakwezokudingeka kakhulu. Okufanayo ngeke kwenzeke uma uzama ukuqoqa inani elidingekayo ngokuhamba kwesikhathi.

Ngenxa yalokho, kungenziwa izibalo ezilula: indoda, ngubani 15 ubelokhu ekhokha imali ebanjiswe ngempahla iminyaka, engenayo imali ekugcineni kwalesi sikhathi, ngoba yonke into isetshenziselwe ukubuyisa imalimboleko.

Umndeni, onqume ukuqhubeka nokuhlala endlini kayise futhi wonga inani elithile njalo ngenyanga, uzokwazi ukuthenga indlu enekamelo elilodwa eminyakeni engu-7.5... Ngaphezu kwalokho, ngemuva kokuthola ingcebo, ungaqhubeka nokongela okuthile, ngokwesibonelo, ngemoto ngayinye.

Umbuzo wesithupha. Kungenzeka yini ngandlela thile ukuthenga ifulethi kubambiso ngaphandle kokukhokha phansi?

Ingqikithi yanoma yikuphi ukubanjiswa kwempahla icabanga ukuthi umuntu kufanele akhokhe iphesenti lezindleko eziphelele zefulethi ekuqaleni. Iyahlukahluka kusuka ku-10% kuya ku-50%... Ngakho-ke, umuntu kufanele abe nesamba esilingana cishe nengxenye yentengo yempahla. Inani elinjalo lemali alimane lifinyeleleke kwabanye.

Imindeni emincane ingathembela inhlokodolobha yomama uzoya kwisitolimende sokuqala. Lokhu kusemthethweni ngokuphelele, futhi ubukhulu bayo buhlanganisa nje 1/6 kusuka ezindlekweni zegumbi elilodwa lokulala esakhiweni esisha. Yini okufanele wonke umuntu ayenze? Azikho izikhala eziyimfihlo, ngakho-ke kufanele ufune imali kwenye indawo.

Kukhona enye inketho. Amanye amabhange aheha amaklayenti amasha ngemalimboleko ngaphandle kokukhokha phansi. Ngempela, iziphakamiso ezinjalo ziqukethe iqiniso lokuthi ekuqaleni awuzukukhokha lutho, kepha amaphesenti azobe ephakeme kakhulu.

Ngaphandle kwalokho,azikho izinkontileka zokubolekwa kwemali zokukhokha eziqinile: isib, uma umuntu eyeka ukukhokha inzalo yanyanga zonke ngasizathu simbe, bangamphuca ifulethi lakhe ngaphandle kokubuyisa yonke imali esivele ikhokhiwe. Ngokuya ngalokhu, zikhula ngokuphawulekayo izingozi.

Yingakho ochwepheshe bancoma ukudlula okunikezwayo okunjalo "okunenzuzo" eceleni. Ngokuvamile bagqoka umlingiswa wokukhangisa, okusho ukuthi bafihla izingibe ezithile. Ukunikezwa kuzobukeka kujabulisa kwabanye, kepha kusengcono ukuqoqa okungenani imali encane kunazo zonke ongayikhokha ukuze uncike emibhalweni evumayo yemalimboleko yempahla ebambekayo ngokuzayo.

Umsebenzi webhange ezimweni ezinjalo - ukuthola amaklayenti amasha, umsebenzi womthengi ingcebo - khetha izimo ezingokoqobo nezifanele kakhulu.

Umbuzo wenombolo 7. Ungayibekelela kanjani indlu yomndeni osemusha ngeholo lama-ruble ayizinkulungwane ezingama-25-30?

Vele, kunzima impela ukubona isifiso esihlotshaniswa nokuthenga impahla yakho yangempela ngeholo elincane lenyanga. Kepha, naphezu kwakho konke ukulinganiselwa, lokhu kungumgomo ngempelauma uzama ukunciphisa kakhulu izindleko zakho ezihleliwe, futhi uzame ukuthola izinhlelo eziyingozi kodwa ezinenzuzo enkulu. Ngokuningiliziwe mayelana nokuthi ungayonga kanjani imali yokuhlala efulethini elinomholo wama-ruble ayi-20 000 - 30,000, sitshele kwenye ye-athikili yethu.

Ungasebenzisa futhi i- special izinhlelo zikahulumeni, okuhloswe ngakho ukuxhasa imindeni emisha nokuyinikeza ithuba lokusombulula ngokushesha udaba lwezindlu oludalelwe izinkinga.

Ungakhohlwa mayelana nokukhona njengezwe lonke (wesifundazwe)nasendaweni (umasipala) izinhlelo ezihlobene nokubolekisa. Kulokhu, sikhuluma ngeqiniso lokuthi imindeni esencane nabezempi banelungelo lokusebenzisa isitifiketi esikhethekile sosizo lwezinto ezibonakalayo uma bekwazi ukuhambisana nemibandela eminingi esobala.

Ukuze wenze lokhu, vele ubuze ku-Intanethi amaphrojekthi kazwelonke nalezo ezisungulwe abaphathi besifunda noma bedolobha. Vele, kuvame ukuthi kube nabantu abaningi abazimisele, kepha bambalwa kakhulu kulabo abahlangabezana nazo zonke izidingo, ngakho-ke wonke umuntu unethuba.

Umbuzo wenombolo 8. Kungenzeka yini ukuthenga ifulethi elinemali yokubeletha ezihlotsheni (kubazali, njll.)?

Ngithanda ukuqaphela ukuthi ayikho imingcele ekuthengisweni nasekuthengweni phakathi kwezihlobo. Bangabantu ngabodwa, okusho ukuthi bangenza ukuthengiselana okuhlukahlukene.

Ngaphandle kwalokhu, kunemikhawulo ebekiwe ebekwa ezikhwameni ezikhishwe nguhulumeni. Yilapho kuzobaluleka khona ukuthi olunye uhlangothi lwentengiselwano luyisihlobo, ngoba izithiyo eziningi zizovela ngokushesha.

Okokuqala nje, abazali kanye nezihlobo zogogo nomkhulu abanalo ilungelo lokudlulisela impahla ezinganeni zabo noma kubazukulu babo ngemali kahulumeni (yomndeni). Odadewabo nabafowethu abanalo ilungelo elifanayo. Le mikhawulo ekusetshenzisweni kwemali eyinhloko yomndeni, yize iqinile kancane, ingumphumela wokuzama kaningi ukukhwabanisa esikhathini esedlule.

Kwakunamacala ajwayelekile lapho abantu babethola futhi bedlulisa izimali zikahulumeni ngezinhlelo ezahlukahlukene, ezazingasetshenziswa kuphela ngenombolo ethile yezinhloso.

Umbono wokuqala wokukhipha imali yokubeletha uhlotshaniswa nesifiso sikahulumeni sokwenza ngcono izinga lokuphila lomndeni. Yingakho imali ingatholakali kalula noma isetshenziswe kwezinye zezidingo zakho zobugovu.

Kepha ungazisebenzisa, isib, thuthukisa isimo sakho sokuphila... Kungaleso sikhathi lapho abakhohlisi beza nomqondo wokuthenga amafulethi ezihlotsheni ukuze bathole izandla zabo kuyo yonke le mali, esivele ingalahlwa ngaphandle kwemingcele kanye nezidingo ezingahlobene nakancane nomndeni omncane. Umbuso wona awufuni ukuxhasa ngezimali abaphangi, kepha ifuna ukusiza kuphela isakhamuzi esincane ukuthi sikhule ezimeni ezamukelekayo.

Ngokwesinye isandla, ungaphetha ukuthengiselana nokuthenga ukuthengiselana, isihloko sendawo yokuhlala, isib, phakathi kwabazala noma abafowabo. Kulokhu, noma kuvela uhlobo oluthile lomgogodla, noma kunjalo, kuzodingeka ukufakazela ukuthi imali iqondiswa ngqo ukwenza ngcono izimo zokuphila kwengane.

Umbuzo wenombolo 9. Ungayithenga kanjani indlu enesibambiso sezempi?

Umbuso uhlinzekele uhlelo oluthokozisayo lokukhuthaza ezempi. Ibizwa ngegama "Imali ebanjiswayo yezempi" .

Ngaphezu kwalokho, inzuzo eyengeziwe ivela ngokutshala lezi zimali. Ekugcineni Eminyakeni emithathu kamuva wonke amasosha, ngemuva kokubhala umbiko, angathola imali yokukhokha kokuqala kwempahla.

Ake sicabangele lolu hlelo igxathu negxathu:

Okokuqala, isosha kumele lifake isicelo sokubhaliswa kuphrojekthi. Ngokushesha lokhu kungenziwa, ngokushesha kuzokwenzeka ukuthi kutholakale imali ebanjiswayo.
Ngemuva kwalokho, ngemuva kwesikhathi esithile, umuntu angaqala ukuzikhethela indawo yokuhlala efanelekile, emakethe yokuqala kanye nasemakethe yesibili.
Ngemuva kwalokho, kukhethwa ibhange elifanele elisebenza nohlelo lombuso oluchaziwe, futhi cishe zonke lezi zinhlangano zombuso ezinkulu.
Ngenxa yalokhu, isosha lifaka yonke imibhalo edingekayo eRosvoenipoteka ukuze ithole imalimboleko ehlosiwe yokuthenga izindlu (TZHZ).
Lapho sekuphothulwe zonke izinqubo, ifulethi kumele livikelwe, liba yisosha.

Kuyafaneleka ukubheka ukuthi isikhathi esincane ongathola isibambiso ngaso 36 izinyanga. Isilinganiselo sinqunyelwe 45-iminyaka yobudala besosha.Funda kabanzi mayelana nemali mboleko yezempi kanye nemibandela yokuhlinzekwa kwabezempi kwelinye lama-athikili ethu.

Umbuzo wenombolo 10. Ungakuthola kanjani ukuncishiswa kwentela lapho uthenga ifulethi ngo-2020?

Umbuzo wokugcina, ozonikezwa isikhathi kule ndatshana, ungalindela ukuthola kanjani ukukhishwa kwentela, enikezwa lapho uthenga ifulethi. Ngosizo lwayo, kuzokwazi ukumboza ingxenye yezindleko, kepha udinga ukuzijwayeza ngolwazi olunikezwe ngezansi kusengaphambili ukuze isikhalazo ehhovisi lentela siphumelele.

Kunendlela eqinisekile yokubuyisa enye yemali oyisebenzise ekhaya lakho

Ngakho-ke yini ukuncishiswa kwentela? Ungayithola kanjani futhi yini edingekayo kulokhu?

Ngaphansi ukukhishwa kwentela kusho ukudonswa kwemali kuhulumeni kuvuna umthengi wasekhaya uma esebenza ngokusemthethweni nangokweqiniso edonsa ingxenye efanele yezimali emholweni wakhe. Kulokhu, angathembela ekuqongeleleni 13% wemali echithwe efulethini.

Kubalulekile ukuthi wazi ukuthi kukhona futhi umkhawulo wokudonswa kwentela ophezulu. Uyabhala 260 000 hlikihla. Ngeke ukwazi ukuthola imali ngaphezulu kwaleli nani, noma kunjalo, ibuye ihehe impela.

Kufanele futhi kukhunjulwe ukuthi ungathola uhlobo lwesinxephezelo sombuso kanye kuphela empilweni (futhi akuwona wonke umuntu ongakwazi ukuthenga amafulethi kaningi)... Ngaphezu kwalokho, kufanele kukhunjulwe ukuthi esimweni sokuqashwa okungakahleleki, lapho empeleni intela ingadonswa, akudingekile ukubala ukuthola izinciphiso, ngoba zenziwa ngokunembile kusuka kuzintela ezazikhokhelwa phambilini yisakhamuzi esinomthwalo wemfanelo.

Ngemuva kokuhlaziya imininingwane enikeziwe, kungafinyelelwa esiphethweni esisodwa esibucayi - ukuthenga ifulethi kuyinqubo ebabazekayo, okuthi kwezinye izimo kuhlotshaniswa nobungozi obuthile.

Iphuzu liwukuthi udinga ukucabanga ngezidingo zefulethi kusengaphambili, futhi unqume isabelomali esitholakalayo. Kulokhu, umuntu akufanele abe nethemba lokuthola ithuba, kepha kungcono uzijwayeze ngolwazi lwethiyori nolusebenzayo ngaphambi kwesikhathi.

Ngakho-ke, isibNgokuthenga ifulethi emakethe yesibili, ungahle ungakutholi obekulindele. Ukuze ungabhekani nalokhu, udinga ukuhlola ngokucophelela indawo yokuhlala futhi uyihlaziye umlando wezomthetho.

Uma kunqunywe ukuthi kuthengwe indawo yokuhlala kunjiniyela noma kusonkontileka wakhe (esakhiweni esisha), kuzofanela ufunde ngokucophelela yonke imibhalo yabo futhi "Umlando"ukunciphisa izingozi. Le nketho ikuvumela ukuthi wonge okuningi uma udingida lolu daba ngomthwalo ophelele.

Ekuphetheni, sikukwazisa ukuthi ubuke ividiyo "Ungayithenga kanjani ifulethi nokuthi yini eyenza intengo yalo":

Kuyavela lokho inkinga yezindluingaxazululwa ngokushesha nangokonga okuhle uma uzama ukunaka zonke izincomo. Kulokhu, akudingekile ukuthi ube nayo yonke imali esandleni, ngoba ungasebenzisa imali ebanjiswayo noma ngezitolimende... Ngaphambi kwalokho, kufanele uhlole amandla akho ngokuqonda ukuze wenze isinqumo esifanele.

Khumbula: indlu efanelekayo ingathengwa kokubili kwesibilinokuqhubeka okuyinhloko imakethe, kokubili nalo lonke inani elisesandleni, kanye nengxenye. Kodwa-ke, ukwenza lokhu, kuzofanele ufunde ngokucophelela yonke imibhalo enikezwe ngumthengisi. Isici esibalulekile ukukwazi ukuhlala uzolile kuze kube yilapho umsebenzi uqediwe.

Konke lokho okwethu.

Bafundi abathandekayo bephephabhuku lebhizinisi le-Ideas for Life, sizojabula kakhulu uma ushiya imibono yakho kule ndatshana engezansi, wabelana ngombono wakho nesipiliyoni sakho kusihloko sokushicilelwa. Sinifisela inhlanhla nempumelelo yokuthengiselana izindlu nomhlaba!