Funso la kusankha njira zogula malo anu okhala ndilokhazikika, ndipo sikungatheke kuti padzakhala yankho losadziwika kwa ilo. Kodi mungasunge bwanji nyumba? - tidzayesa kupeza yankho la funso ili.
Kodi ndingasunge ku nyumba?
Cholinga chodziwika kwambiri pa nkhani yosungira ndalama ndi ndalama, ndalama zambiri zomwe zimakhala ndi 10 peresenti pachaka. Tiyerekeze kuti ndinu banja lomwe lingakwanitse kubwezeretsa mabiliketi 50,000 pachaka. Kwa zaka zisanu ndi zisanu ndi zisanu kudza zisanu ndi ziwiri mudzazipeza, poganizira chiwongoladzanja cha ndalamazo, pafupifupi mabiliyoni asanu, omwe pakali pano akufanana ndi mtengo wa chipinda chokhala ndi zipinda ziwiri m'dera la Moscow. Zomwe zingakhale zofanana muzaka zisanu kapena zisanu ndi ziwiri zikuvuta kunena, chifukwa msika umasintha nthawi zonse, ndipo mwinamwake nthawi zonse mumachedwa nthawi ya mitengo, komanso funso lakuti "Kodi mungasunge bwanji malo ogona?" osasinthidwa. Ngati sizikukhudza Moscow ndi madera ake, ndiye kuti mwina mumagula nyumba yabwino, koma ngati simukukhala mumzinda wa Moscow kapena mudzi wina waukulu, ndiye kuti simungathe kulipira madola makumi asanu ndi limodzi. Komabe, ndi njira iyi yosungiramo ndalama, mwina, funso la momwe mungapulumutsire kukonzanso nyumba kapena kubweza ngongole pa ngongole idzathetsedwa ndendende. Tsopano tiyeni tiyankhule za izo.
Kodi mdierekezi ndi woopsya ngati adasindidwa?
Tangoganizani funso la momwe mungasungire ndalama mu nyumba, mufunseni mu 2004, ndipo wina angakulangizeni za ndondomeko yosungirako, yomwe tanena pamwambapa. Kodi ndalama zanu zingakhale zotani? Ndipo tsopano tiyerekeze kuti mutatenga ngongole chaka chomwecho cha 2004. Tsopano iwe ukhoza kulipira ngongole ndi kukhala ndi nyumba mu malo omwe amakula mwa mtengo kangapo. Ichi ndi chitsanzo kuchokera ku moyo. Kuwonjezera apo, yankhani nokha moona mtima, kuti inu muzisunge kwenikweni kuti muzikhalamo nokha? Kodi mukuzindikira kuti kudziletsa ndikofunika kotani? Ndiponsotu, ndi chinthu chimodzi ngati muli ndi udindo ku banki kuti muzipanga ndalama iliyonse mwezi uliwonse, ndipo wina - pamene palibe wina koma inu mumalamulira zochita zanu ndipo simakukakamizani kuti mupereke ndalama zanu.
Pamapeto pake, kodi mumakhala wotani mukatenga nyumba pakhomo? Ngakhale mutakhala nthawi yovuta ndikuzindikira kuti simungathe kulipira ngongole, nyumbayo ikhoza kugulitsidwa. Mudzachita popanda mavuto, ngati musanapereke malipiro anu pamwezi. Gawo la ndalama likuperekedwa ku banki mu nkhani ya ngongole yotsalayo, ndipo ikani zina pa chikhomo chomwecho. Pa zovuta kwambiri, mudzabwerera ku malo oyambirira omwe muli pano, mukuganiza momwe mungasungire ndalama pa nyumba, phindu - dzipangire nokha chikole chanu pansi pa ndalama, ndipo muzikhala ndi
Njira iliyonse yopezera malo anu amoyo sichikuwoneka kuti akukukhudzani inu, mukuyenera kuyamba ndi kusonkhanitsa - ngakhale kulipira koyamba kwa ngongole. Ndipo izi ndithudi ndi nkhani ya miyezi ingapo, ndipo ngakhale zaka zingapo. Musayang'ane njira zoti mupulumutse mwamsanga ku nyumba. Iwo sali.
Kumbukirani njira zodziphunzitsira nokha pankhani yachuma, zomwe mukufunikiradi mu bizinesi yovuta. Malangizo othandiza ndi awa: Pamene mutenga phindu, choyamba perekani pambali ndalama zomwe mwapeza, ndikupangirani zofunikira zofunika pa ntchito yofunika kwambiri; Musayang'ane malonda ndi malonda osiyanasiyana pa kuchotsera - akukukakamizani kugula zomwe simunagule konse mutakhalapo; Musamuwuze aliyense kuti mumasunga ndalama - anthu omwe akuzungulirani, makamaka achibale anu apamtima, angapeze njira zambiri kuti muthe kuzigwiritsa ntchito pazinthu zothandiza.