kusungitsa kubweza

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Malo osungirako malowa amagwiritsidwa ntchito pofuna kupeza chiwongoladzanja cha chiwongoladzanja cha kampani yobwereketsa kwa nthawi ndithu popanda choyenera kutenga ndalama zogulitsa. Banki imapereka chikole cha chiwongoladzanja china chofuna chidwi kuti anthu ofunafuna katundu asawonongeke phindu la chiwongoladzanja. Wokongola amene angakhalepo m'tsogolo sakadalowedwe mu mgwirizano wa ngongole, koma chiwongoladzanja chokwera chiwongoladzanja chimatsimikiziridwa ndi kubweza ngongole. Izi ndi zothandiza makamaka ngati kuwonjezeka kwa chiwongoladzanja kukuyembekezeredwa posachedwapa, koma palibe malo ogulitsa nyumba. N'zoona kuti palibe ngongole kumanga akhoza kutha chifukwa Zikatero, sanali kuvomereza malipilo kuopseza kukachitika kuti palibe kugula ndi m'tsogolo mu pokhala. Chiwongoladzanja cha chiwongoladzanja cha ndalama zogulitsidwa ndizochokera mtengo ina Chifukwa chaichi, kubweza ndalama sikunaperekedwe ndi mabanki onse chifukwa chiwongoladzanja sichiwerengedwa popanda malo omwe ali nawo.

Kodi ubwino kapena zovuta za malo osungirako zinthu ndi ziti?

Mng'oma wotetezera umatetezera chidwi pazogulitsa nsombazo mpaka mapeto ake a mgwirizano wogula kapena wogula. An chidwi mlingo kuchuluka kwa theka kuchuluka mfundo kodi 150 000-yuro ngongole ndi kuti 9 000 mayuro zodula pamene atathana chiwongola dzanja chili kwa zaka khumi. Ndi ofesi yosungirako malo, n'zotheka kusunga ndalama chifukwa kuwonjezeka kwa chiwongoladzanja kungabweretsere kokwereketsa ndalama zambiri. Phindu lina ndilokuti nthawi zambiri palibe chidwi chomwe chimapangidwira. Wokongolayo ali womasuka pa chisankho chake chofuna kuti adzalandire ngongoleyo mtsogolo muno. Ngati mitengo chidwi utachepa nthawi malire, zimatenga mwayi bwino ku banki yomweyo, kapena patsani kusintha kwa banki kwambiri yabwino. Komanso, chiwongola dzanja pa malo ndi amodzi kubweza pangano ngati izo zikugwera Patapita mwayi chiwongola dzanja sangathe ntchito malingana ndi mgwirizano. Mu kanema

Deta yofunikira pa sitolo yowonongeka ikufotokozedwa. Chosavuta ndi chakuti anthu odzigwira okha ndi okongola omwe ali otsika kusasiyana Pezani mavuto ndipo simungapeze malo osungirako malo.

Msika wogulitsa nyumba ku Germany nthawi zonse ukuyenda

M'madera akuluakulu okhala ndi malo osungirako malo komanso malo otchuka otchuka, pali ambiri omwe akuyembekezera makasitomala kufunafuna malo atsopano. Mabanja okwatirana amakhudzidwa ndi ndalama zapamwamba zogulitsa katundu ndipo akhoza kusunga ndalama ndi ndalama zawo zapakhomo ndi sitolo yosungirako katundu. Ogulitsa ndalama zapakhomo sikuti amangokhalira kukakamizidwa, komabe ndi mpikisano wothamanga. Mitundu yowonjezereka ya ndalama, monga malo osungirako ukhondo, ndi chitsanzo cha izi; kuti mfundo: choyamba katundu ndiyeno ngongole malo akhoza kutembenuzidwanso. Ngongole yobwereketsa imathandiza kuti iwo omwe akuganiza kuti alandire nyumba, angathe kusunga ngongole kwa miyezi sikisi kwaulere. Akulimbana zokhudza kugula katundu monga mfundo za mtundu wa chuma (mwachitsanzo nyumba kapena nyumba zophatikizana) kapena malo ndi kapangidwe ka chuma m'tsogolo ndi maziko a mawerengedwe a chiwongola dzanja m'tsogolo komwe mopitirira pakutha pa miyezi isanu ndi umodzi. Onse awiri (banki ndi wobwereka) amavomereza kuti angapange mgwirizano wa ngongole. Pamene izo zifika pa disbursement ngongole, ndi lamulo la wokongoza ndi wotetezedwa m'Dziko kaundula ndi kulembetsa kwa kubweza kapena kugulira nyumba.

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