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Kugula kugula

Ngati mukulolera kukhala ndi nyumba yanu, koma mulibe ndalama zofunikira panthawiyi, ndiye mutha kukhala nawo mwini kukhala wosangalatsa.

Mfundo ya kubwereka malo

Muzinthu zosiyanasiyana za ndalama, mgwirizano wa mgwirizano umatsimikiziridwa kuti zimapangitsa kuti katunduyo apite ku malo a mwiniwake nthawi. Pochita izi, ndalama yomaliza yogula katunduyo yatsimikiziridwa kale pamene mgwirizano waunyumba ukwaniritsidwa.
Izi zimathandizanso ogwira ntchito pang'ono kusasiyana ku nyumba yofunidwa. Pali mitundu ya 2 ya kugula ngongole, kusiyana kwakukulu ndi kusankha kugula.

Kugulidwa kwadale koyamba

Izi zimaphatikizapo ndalama zonse zogulitsa nyumba komanso zimagula kugula nyumba kapena nyumba. Pogwirizanitsa ntchitoyi, mwini nyumbayo ndi mwini wakeyo akufotokozeratu pasadakhale malo omwe nyumba yobwerekedwa imabwerekedwa ku nyumba ya mwiniwake. Ndi chizoloŵezi kuti 20 peresenti ya mtengo wogula ayenera kugwiritsidwa ntchito pasadakhale kuti agulitse malonda akale. Dipatimentiyi ikugwirizana ndi kuwonetsera komwe kumayenera kuwonetsedwa mu kugula nyumba zamalonda ndipo ndiyonse isanayambe kulengedwa kwa ntchito ya notarial.
Ndalama zogulira ndi zomwe zikukhudzidwa zimatsutsidwa panthawi yogula, monga nthawi yolipira yowonjezera. Wogwira ntchitoyo amalipira ngongole yake ngati ma renti pamwezi. Malingana ndi mgwirizano ndi kuchuluka kwa lendi, ndalama zonse zimatha kulipira ngongole ya mwezi pachaka kapena ndi malipiro ena. Zotsala ngongole zimatha kunyamula ngongole, mwachitsanzo. Ngati kulipira kwathunthu pa renti ya mwezi, nthawi ya kugulidwa kwa ngongole idzakhala yotalika, koma palibe zofunikira zowonjezera zomwe simukuziyembekezera.

Njira yogula

Njirayi yotsatsa nthawi zambiri imaperekedwa ndi makampani ndi mabungwe okhawo omwe angagulepo malondawo pakatha kukathera. Kubwereketsa sikungopangitse wokhalamoyo kuti agule nyumba kapena nyumba imene akukhalamo. Komabe, iye amapeza ufulu woyenera kutsogolo kunyumba kwake. Nthawi yomwe ayenera kugula ndizochepa zaka 25. Pambuyo pa nthawiyi, malowo ayenera kugulidwa pa mtengo wotsimikiziridwa kumapeto kwa mgwirizano wogona. Kukula kwanthawi yam'tsogolo kapena kugwa kwa nyumba zamtengo wapatali sizingaganizidwe.

Ubwino ndi kuipa kogulidwa kugula

Monga china chirichonse m'moyo, kubwereka kuli ndi ubwino ndi zovuta zina, zomwe ziyenera kulinganiziridwa bwino zisanafike pamapeto ndipo ziyenera kulemedwa.
Chinthu chabwino kwambiri ndi chakuti kugula nyumba kungapezekanso pogwiritsa ntchito ngongole yogula ndi zochepa kapena zochepa. palibe ngongole yofunikira kunyamula. Ngongole siingapezeke motere. Malipiro amodzi a mwezi ndipakati akuphatikizidwa mu kubwezeredwa kwa kugula kwa ngongole. Mtengo wogula ulizikika ndipo motero umathazikika nthawi yonseyo. Nthawi yayitali ikukuthandizani kuti musunge ndalama zokwanira kuti pasakhale ngongole yowonjezera.
Imodzi mwazovuta kwambiri ndikuti kugula kwa nthawi yomaliza kumakhala kotsika kwambiri pogula ngongole kusiyana ndi ndalama zamalonda. Kuonjezera apo pali malipiro otsekedwa ndi omalizira, omwe akuwonjezera ku bukhuli.
Ngakhale boma likulimbikitsa kupeza nyumba ndi mapulogalamu osiyanasiyana, izi siziphatikizapo kugula ntchito. Choncho ndalama zonse zimayenera kugwiritsidwa ntchito ndi wogulayo.

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