Pansi pa denga la nyumba ... osakhalanso tokha: momwe mungagulitsire nyumba mu thumba la ngongole

Pali nthawi zambiri pamene wina amagulitsa malo owonjezera ndipo akufuna kupanga mgwirizano mwamsanga, koma ngati mwayi uli nawo, palibe makasitomala okonzeka kulipira pakalipano - aliyense akukonzekera kupeza mamita ake apakati podula ngongole ya ngongole. Kodi mungagulitse nyumba bwanji pakhomo, osati ndalama? Kodi ndi maonekedwe ati omwe akuyembekezera ngati wogulitsa nyumba, ngati mwakonzeka kulankhulana ndi kasitomala? Kodi pali kusiyana kotani pakati pa kugulitsidwa kwa nyumba kudzera mu ngongole yobwereka kuchokera ku chizolowezi chodziwika ndi kulipira kwa ndalama?

Kodi ubwino wotani wogulitsa pogulitsa ngongole?

Musati mudandaule kwambiri ndikuganiza momwe mungagulitsire nyumba pakhomo la ngongole, bwino kudziwiratu poyamba ndi ubwino uliwonse umene ungakupatseni ntchito yokhudza banki. Choyamba, muyenera kumvetsa kuti ngati mutagwirizana ndi ogula, sangathe kugula mamita anu apakati, chifukwa banki idzavomereza kugula kwanu, ndipo mudzangodikirira ndalamazo. Chitsimikizo cha kugula ndi chivomerezo choyambirira chidzakupatsani mpumulo kuti musatayike.

Musadandaule ndi zifukwa zingapo, ngati mukuganiza kuti mungagulitse nyumba pakhomo la ngongole - banki idzagwira kapena kuchititsa kuti wobwereketsayo akwaniritse mbali yodandaula yokonzekera zikalata, kupanga kafukufuku wodziimira yekha, kutsimikizira kuti msonkhanowo ndi wovomerezeka ndi kusonkhanitsa malemba ena. Izi ndizophatikiza zambiri.

Musanagulitse nyumba pakhomo la ngongole, dziwitsani momveka bwino: Mwamtheradi mumapeza ndalama zenizeni patsiku lomwe likulankhulidwa ndi mgwirizano, ndipo palibe vuto la chitetezo chokhazikika - banki idzalamulira kusamutsidwa kwa ndalama. Kuonjezera apo, simukuyembekezera kulandira malo mmalo mwachinyengo ndi ngongole zachinyengo kapena mgwirizano womwe umaperekedwa m'malo mwa magawo atatu.

Mwa njira, ngakhale mu kucheka kwa nyengo mu msika wogulitsa nyumba kapena panthawi yamavuto, mutha kugulitsa malo anu okhala, monga wogula angatenge ndalama ku banki, m'malo modalira mphamvu zawo. Inu simukusowa nkomwe kuti mupange kuchotsera.

Kodi pali kusiyana kotani pakati pa kugulitsa malo amoyo kudzera mu ngongole?

Kwa kanthawi mungapezeke mu limbo. Tiyenera kuyembekezera kuti banki iwononge ndalama zogula ngongole kuti tigulitse nyumba inayake, koma zonsezi zidzachitika potsatira njirayi - njira yobweretsera ngongole zogulitsa ngongole zomwe zili kale kale, ndipo simukusowa kuganizira chomwe chidzachitike - chilichonse chimaganizidwa ndi wobwereketsayo.

Kutupa pokonzekera malonda ogulitsa kumakhala ndi wogula ndi wogulitsa. Banki idzafuna mapepala okwanira ndi data pa malo ogula. Kusankha momwe mungagulitsire nyumba pogula ngongole, muyenera kuyamba kutsimikizira kuti ikukhudzana ndi zofunikira komanso ndalama zogulitsa ngongole za banki.

Mukamapereka zikalata zolembera, komanso pokhapokha mutapereka mapulogalamu ku banki, mapepala onse a katundu ayenera kukhala papepala. Banki silipereka ngongole chifukwa cha katundu , ndipo malo ogona ayenera kugulitsidwa pamtengo. Kotero simungathe kuyika pa mamita oposa a khalidwe losasangalatsa pa mtengo wogwedezeka.

Kugulitsa nyumba kuti Sberbank igule ngongole ikhoza kuthekera, ngakhale akuganiza kuti uyu ndi wokongola kwambiri ngongole m'dziko. Koma ali ndi ufulu wokhala choncho, chifukwa amapereka ndalama zochepetsera ndalama zomwe zimabwereka ndikuonetsetsa kuti zogulitsa zikudalira kwambiri.