Kodi n'zotheka kulipira ngongole ndi kholo la makolo?

Kuyambira m'chaka cha 2007, mabanja ambiri a ku Russia apatsidwa ufulu wotaya ndalama zawo. Pofika m'chaka cha 2016, kuchuluka kwa ndalama izi ndi 453 026 rubles, ndipo angagwiritsidwe ntchito ndi okwatirana amene adakhala makolo kapena abereka mwana wachiwiri ndi wotsatira.

Inde, banja lililonse lingakonde kulandira ndalama ngati ndalama, koma lamulo limapereka ndalama zokhazokha kuchokera ku gawo laling'ono la ndalama zokwana 20,000. Ndalama zina zonse zimayenera kutsogoleredwa kuzinthu zina, mwa kuzichotsa ndi ndalama zopanda malipiro pogwiritsa ntchito kalata yoperekedwa kwa banja.

Makolo ena ali ndi mafunso ambiri okhudza momwe angagwiritsire ntchito ndalama zazikulu za amayi awo, makamaka ngati kuli kotheka kubwezera ngongole. M'nkhani ino tidzakuuzani za izi.

Kodi ndi ngongole yotani yomwe ikhoza kulipidwa ndi kholo lalikulu?

Chifukwa chakuti cholinga chachikulu chogwiritsira ntchito njira za chikole chakumayi ndicho kukonzanso moyo wa mabanja ndi ana, akhoza kubwezera ngongole, koma pokhapokha ngati apatsidwa kwa makolo achinyamata kuti agule kapena kumanga nyumba iliyonse. Ndipo mu mgwirizano wa ngongole, m'pofunika kuwonetsera cholinga chomwe wobwereka walandira ngongole, ndi momwe akukonzera kuigwiritsa ntchito.

Choncho, n'kosatheka kuthetsa likulu la wogula ndi likulu la amayi, kapena ngongole ina iliyonse, ndipo izi ndi kuphwanya kwakukulu kwa lamulo. Momwe ndalama zogulira ngongole zimagwiritsidwira ntchito pogula nyumba, chipinda kapena nyumba ndizosiyana. Pachifukwa ichi, zambiri zokhudza cholinga chokongoletsera ndizofunikira, ndipo ziyenera kukhala zolembedwera m'mabuku operekedwa ndi ngongole.

Kodi mungalipire bwanji ngongole ndi nyumba ya amayi?

Pofuna kutumiza chiwerengero cha chikole cha kubwezera ngongole yaikulu kapena chiwongoladzanja chokwanira pa ngongole ya nyumba, m'pofunika kuti mupereke zikalata za ndalama za Pension potsata nyumba m'nyumba kapena chikalata chochita nawo ntchito yomanga, ngati chinthu chogula sichinayambe.

Kuonjezera apo, mudzafunsanso kubanki kapena nkhani zina za bungwe la ngongole za ndalama zomwe zili ndi ngongole yayikulu komanso ndalama zowonjezera, kuphatikizapo chitsimikiziro cha ndalama zogulira kapena zomanga nyumba. Zikalata zomwe mumapereka zidzalingaliridwa mkati mwa mwezi, ndipo ngati ntchitoyo ikuvomerezedwa, ndalama zonse za thandizo la ndalama kapena gawo lake lidzaperekedwa ku akaunti ya banki ya ngongole.

Kuchokera mu 2015, mabanja omwe ali ndi ufulu kutaya malipiro a ndalamawa apatsidwa ufulu wogwiritsa ntchito ngati kulipira koyamba kwa ngongole yatsopano.

Mosiyana ndi zonse zomwe mungachite kuti mugwiritse ntchito izi, mungathe kubweza ngongole yanu ndi kholo lanu popanda kudikirira nthawi yomwe mwana wanu atembenuka zaka zitatu. Mukhoza kuyendetsa ndalama mwanjira imeneyi - mwamsanga mutalandira kalata yanu m'manja mwanu.