ngongole malo

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Kodi ndi chiyani ngongole malo?

kubweza ndi mwamphamvu womangidwa ndi ngongole cholinga choti apeze ndalama zolipirira malo. Ku chikhalidwe ngongole chigawo, ndi kubweza ngongole ndi osiyana ndi muyezo osiyana: ambiri a mabungwe a zachuma adzatero mphoto malo ngongole kokha kwa osachepera ngongole kuchuluka kwa 25.000 kapena 50.000 mayuro. Kusiyanitsa kwina kwa ngongole ya ogula ndikuti simungagwiritse ntchito ndalama pa chifuniro.
kufa kuchuluka ngongole lingagwiritsidwe ntchito kokha kukonzanso kapena kukonzanso komanso kugula kapena kumanga nyumba kapena nyumba. Ngongole za malonda zimaperekedwa ndi mabungwe a ngongole za malonda komanso zamalonda.

Ngongole ya malonda - zosiyana zosiyanasiyana

Ngongole za malonda zimaperekedwa ndi mabanki osiyanasiyana. Izi ndi izi:

- Ngongole ya Modernization
- Ngongole za nyumba
- Ngongole za nyumba

Malingana ndi cholinga chomwe mukufunira kuti mutenge ngongole yachinyengo, zikhoza kukhalapo zina.

Ngongole yamakono: Ngongole yamakono imatchedwanso kuti ngongole zogona. Monga mwini nyumba kapena nyumba muyenera kufunika ngongole yamakono posachedwa. Mungagwiritse ntchito ndalamazo kuti mukhale osungira malo anu osambira kapena kuti musinthe zinthu zanu kuti mukhale ndi nthawi yatsopano. Ngati mulibe ndalama zokwanira, muyenera kuitanitsa ngongole ya malonda. Ngati ndalama za ngongole siziposa 35.000 Euro, mukhoza kupereka ngongole yaikulu ya katundu wanu pa zolembera zamtundu. Mukhozanso kugwiritsa ntchito ndalama zothandizira boma. Ngongole yamakono ndizo ngongole yosagwedezeka yomwe ili ndi cholinga chomangiriza. Amalimbikitsa wogulitsa ngongole kuti agwiritse ntchito ndalama zokhazokha kuti azigwiritsa ntchito masiku ano ndipo amapatsidwa mphoto yopindula. Monga wopempha, muyenera kutsimikizira kuti ndinu mwini mwini nyumba. Pambuyo pomaliza ntchitoyi, muyenera kupereka kalata yopereka langizo kwa wobwereketsayo.

Kulipira ngongole: Malo ogulitsira nyumba ndi ngongole yogulitsa nyumba, zomwe mumagula pogula makondomu. Ngati mwakhalapo pano monga malo ogulitsa, mungagwiritse ntchito kubwereka ngati mwini nyumba kuti mubwezere ngongole yanu. Monga mwini mwini, simungapindule chifukwa chakuti mudzatha kubweza ngongole yanu ndi ndalama zowonongeka, pomwe lendi yanu ikhoza kuwonjezeka m'zaka zikubwerazi.

Ngongole za nyumba: Kugula nyumba simusowa ndalama zokha ndi ngongole yogulitsa nyumba. Ngongole yamalondayi ingakhale ndi zigawo zosiyanasiyana. Zinthu zosiyanasiyana ndi izi:

- Ngongole Yotsatsa
- KfW ngongole
- Kumanga ngongole ya ngongole
- ngongole yobwereka

Ngongole ya ngongole imaperekedwa ngati ngongole ya malonda ndi makampani a inshuwalansi, mabanki osungira mabanki ndi mabanki. Chizolowezi chomwe chimagwiritsidwa ntchito kwambiri ndicho annuity, Komabe, mungathenso kutenga ngongole yobwereka ngati ngongole yomaliza kapena ngati ngongole yobwereketsa.

Ngongole yobwereketsa nyumba ndi yoyenera kubweza ndalama zogulitsa nyumba ngati mwalandira kale ndalama mu mgwirizano wanu wosungirako nyumba kwa zaka zambiri. Kawirikawiri, mabanki amapereka ngongole yobwereka pazinthu zabwino kwambiri. Pa chifukwa chimenechi, kupereka ndalama zothandiza ndi zothandiza.

Ndalama za KfW zimaperekedwa kwa inu ndi Kreditanstalt für Wiederaufbau pazinthu zosiyanasiyana. Kugula malo okhala kumalimbikitsidwa ndi ngongole yokongola ya malonda ku malo oposa 50.000 Euro. Kuti mukhale ndi mphamvu zogwira ntchito komanso zamakono, mukhoza kulandira thandizo la boma mpaka kufika pa 100.000 Euro.

Ndalama zopereka ngongole zimaperekedwanso ndi mabanki othandizira ndalama. Ambiri mwa iwo akuwunikira mabanja achichepere ndipo chotero zingakhale zopindulitsa kwa inu.

Kusiyanitsa pakati pa ngongole ya malonda ndi malo osungirako ndalama

Pamene mutenga ngongole ya malonda, mukhoza kukonza chidwi ndi banki yanu. Pachifukwa ichi, chiwongoladzanja chokhazikika pa nthawi yeniyeni yobwezera chikugwirizana. Izi ndizosiyana ndi chiwongoladzanja chenicheni cha chiwongoladzanja.

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