Akukhathalekile ukuthi ushadile noma awushadile, kodwa lapho eneminyaka engu-30, noma yimuphi umuntu wesifazane ufuna ukuba nesidleke sakhe. Indawo lapho ufuna ukubuyela khona, nengaphakathi lapho ubeka khona ukunambitheka kwakho, imizwa, umphefumulo. Indlu lapho wazi khona umlando wento ngayinye, kanye nayo yonke imithende nemihuzuko. Lapho yonke into ijwayelekile futhi ijwayelekile. Kodwa kuthiwani uma lingekho ihlombe lendoda eduze? Kuvele ukuthi kungenzeka noma yini! Umbhali we-Wday.ru wayeqiniseka ngalokhu ngokuhlangenwe nakho kwakhe.
Ngineminyaka engu-31 ubudala futhi ngehlukanisile. Ngaphezu kweminyaka emihlanu yomshado, nginezindlu ezimbili nezimbili ezilungisiwe, ngokulandelana. Ngiyavuma, ukuhamba nokuhlanganyela okwesibili kwakunzima kakhulu kunokuhlukanisa. Wayeyilokho kanye engangikufuna. Futhi okubaluleke kakhulu, yayinekhishi eliphelele.
Kusukela ngemva kwesehlukaniso nesifunda engasishiya ngaya eMoscow, indawo ekahle yasala ngeyowayeshade naye. Wangikhokhela imali engangiyifanele futhi wahlala endlini ekahle. Kwadingeka futhi ukuthi ngifune, ngikhethe, ngithenge, ngidizayine futhi ngifake igama elisha elithi “mortgage”. Kodwa okubaluleke kakhulu, kwakufanele kwenziwe yedwa, ngaphandle kosizo nokusekelwa yindoda.
Indlela ukukhetha
Ngizokwenza ukubhuka, ngithenge izindlu ezisakhiwa. Yayinenzuzo enkulu ngokwezimali, futhi indlu entsha imnandi kakhulu kuneyesibili. Kodwa ngokutshala imali ekwakheni, uthatha izingozi kunoma yikuphi. Futhi ukwenza kube kuncane, thatha isimo sengqondo esinomthwalo wemfanelo ekukhetheni kwefulethi lakho elizayo. Ngakho-ke, kumawebhusayithi awo wonke amabhange amakhulu kukhona uhlu olugunyaziwe lwabathuthukisi, indawo, inombolo yezitolo kanye nonyaka wokugunyazwa kwento. Lezi yizindlu ekwakhiweni leli bhange elifaka kuzo izimali zalo. Lokhu, yiqiniso, akusona isiqinisekiso esiphelele sokuthi ukuphakama okuphezulu kuzoqedwa ngesikhathi, kodwa okungenani okunye.
Okokuqala, nquma indawo. Sicela uqaphele ukuthi emadolobheni amakhulu naseduze neMoscow, amanani azoba phezulu kakhulu. Umehluko wamakhilomitha ungeqi ku-10, kodwa emalini ungaba yisigidi. Isibonelo, ifulethi elinegumbi elilodwa esakhiweni esisha eKrasnogorsk, Dolgoprudny, Mytishchi kanye namadolobha afanayo azobiza ama-ruble ayizigidi ezingu-3,9, futhi kancane kancane esifundeni - iLobnya, Skhodnya, Nakhabino, njll - ungagcina. phakathi kwezigidi ezi-2,8.
Funda indawo yento oyithandayo, bala ukuthi uzofika kanjani emsebenzini. Futhi qiniseka ukuthi uya entweni, uyibuke ngamehlo akho. Ngempela, ngokuvamile unjiniyela uthembisa ukufinyeleleka kalula kwezokuthutha, kodwa empeleni yonke into ayinhle kangako. Uma ingekho imoto, bheka indawo yokwakha phakathi nebanga lokuhamba esiteshini. Manje izitimela zikagesi zigijima njalo, futhi ungazivumeli ukuba zikwethuse.
Ngendlela, ukuya endaweni yokwakha yedwa nakho akujabulisi ngokwanele. Ngokuvamile, amahhovisi okuthengisa atholakala phakathi kwemigodi, imijondolo yabasebenzi nezinja ezilahlekile. Yebo, lezi zakhiwo zokuhlala zithola ingqalasizinda ngemva kokuba izindlu seziqalile ukusebenza. Ngakho-ke kungcono ukuthola inkampani yezimfuno ezinjalo!
Uyithola kanjani i-mortgage
Kuncike ekutheni ujwayele ukuqashwa (ususebenze endaweni eyodwa isikhathi esingaphezu konyaka, uneholo elisemthethweni), ibhange ligunyaza ukubambisa ngaphandle kwezinkinga. Ukuqoqa amadokhumenti nakho akunzima, ajwayelekile.
Okokuqala, ugcwalisa uhlu lwemibuzo ebhange. Iqukethe yonke idatha yakho emholweni, inani elidingekayo ofuna ukuliboleka ebhange, kanye nento ohlela ukuyithenga.
Ngemva kokubuyekeza ifomu lesicelo nokugunyaza imali ebolekiwe, ibhange lizokhipha uhlu lwamadokhumenti adingekayo. Iningi labo lihlala likunjiniyela.
Ibalwa kanjani inani lemalimboleko
Lapho ujoyina i-mortgage, khumbula ukuthi ngisho nenkambo enhle yokwakha, indlu izonikezwa kuwe ngesikhathi esimweni esingavamile. Ngokuvamile, kuyafaneleka ukubala kahle inani ozonikezwa lona nge-mortgage, ucabangela nerenti yezindlu.
Isibonelo, uma ifulethi libiza izigidi ezingu-2,5 futhi ufaka isigamu, khona-ke lapho ubala ukuthi uthola ama-ruble ayizinkulungwane ezingu-50 ngenyanga futhi uthatha imali yokubolekwa kwempahla iminyaka engu-15, khona-ke inkokhelo yanyanga zonke ingama-ruble ayizinkulungwane ezingu-16. Ngokufanelekile, uma inani elitshaliwe lincane, inkokhelo inkulu.
Uma une-20% kuphela yenani elidingekayo (lokhu kuyinkokhelo encane), khona-ke ngaphansi kwezimo ezifanayo kuzodingeka ukhokhe cishe ama-ruble ayizinkulungwane ezingu-26 ngenyanga.
Ngendlela, abaningi bafuna ukuthatha imali yokubolekwa imali isikhathi esincane, bathi bazobuyisela nayo ngokushesha ngangokunokwenzeka futhi bakhohlwe. Kodwa kunenzuzo enkulu ukuboleka imali iminyaka eyengeziwe. Qaphela izandla zakho: uma isibalo seminyaka sikhula, inkokhelo iyancipha. Uma inkokhelo encane, kusala imali yamahhala engahlehliswa. Ngemva kokulondoloza imali, le mali ingasetshenziselwa ukukhokha ngokushesha kwempahla mboleko. Futhi lokhu kuyazuzisa, njengoba eminyakeni yokuqala iningi lenkokhelo yakho yanyanga zonke iya ebhange ukuze ukhokhe inzalo, futhi ingxenye encane kuphela ehamba ukukhokha isikweletu esiyinhloko. Ngala manani alondoloziwe, unganciphisa isikweletu esikhulu, futhi, ngenxa yalokho, ungakhokhi ngokweqile ebhange. Futhi ngesikhathi esifanayo, ungakwazi futhi ukunciphisa inani leminyaka yezikweletu noma inani lezinkokhelo zenyanga, njengoba uzinqumela wena.
Beka eceleni inani elibekiwe: uzodinga cishe izinkulungwane eziyi-15 zomshwalense (kuze kube yilapho into inikezwa, emva kwalokho umshwalense uzobiza cishe ama-ruble ayizinkulungwane ezingu-5)
Ngalinda unyaka wonke ukuze ngithole okhiye bami. Futhi kulo nyaka bekungelula. Yiqiniso, ukukhokha imali mboleko ndawonye kulula. Kwadingeka ngivule ukuqina. Ngakuhlehlisa ukuhamba, ngayeka ukusebenzisa ezinye izinto zobuhle, ngehlisa ukudla kwakusihlwa emakhefi nokuthenga izingubo. Yilezo ezidingekayo kuphela ezasala ohlwini lwezindleko.
Ngemva kokuthola okhiye, ngachitha izinyanga ezimbalwa ngilungisa izinto. Ngendlela, kungcono ukubeka inani elilinganiselwe lokulungiswa ngokushesha kwi-mortgage, okungukuthi, cela ibhange kancane kancane kunalokho okudingayo, uma kwenzeka ungenayo indawo yokulinda inani elikhulu ngokungalindelekile ekupheleni kokwakhiwa. .
Manje, sengivele nginefulethi lami esifundeni saseMoscow futhi ngibheka emuva, ngingasho ukuthi konke lokhu kuyiqiniso. Yiqiniso, imali yokuhamba nokunye okumnandi kusazohlehliswa, ngoba usadinga ukuthenga ifenisha futhi ukhokhe izikweletu zokuyilungisa ... Cha, cha, yebo, futhi umcabango wokufuna enye imali uzofiphala, kodwa nge-mortgage okubaluleke kakhulu ukuthi uzinzile.