Umbuzo wokukhetha izindlela zokuthenga isikhala somuntu siqu uhlala njalo, futhi akunakwenzeka ukuthi kuyoke kube khona impendulo engavamile kuyo. Ungasindisa kanjani ifulethini? - sizozama ukuthola impendulo yalo mbuzo.
Ngingayigcina indawo yokuhlala?
Isiphakamiso esivamile kunazo zonke ukubhekana nalolu daba lokulondolozwa kokulondolozwa yi-deposits, isilinganiso samaphesenti aholo engenayo okungama-10% ngonyaka. Ake sithi ungumndeni ongakwazi ukuhlehlisa kabusha ama-ruble ayizinkulungwane ezingu-50. Uzobuthelela iminyaka emihlanu kuya kwesikhombisa, ubheke inzalo ku-deposit, cishe ama-ruble ayizigidi ezinhlanu, okwamanje ahambisana nentengo yefulethini lamakamelo amabili esifundeni saseMoscow. Kungakhathaliseki ukuthi kuyoba yinani elifanayo kule minyaka emihlanu noma eyisikhombisa kunzima ukusho, ngoba imakethe ishintshashintsha njalo, futhi kungenzeka ukuthi uzophuza njalo ngamanani, nombuzo othi "Ungakusindisa kanjani indlu?" Ingabe uzohlala kuwe? ayixazululiwe. Uma kungenjalo ngoMoscow namadlelo ayo, mhlawumbe uzothenga indlu ehloniphekile, kodwa uma ungesihlali eMoscow noma kwenye idolobha elikhulu, kungenzeka ukuthi ngeke ukwazi ukukhokhela izinkampani eziyizinkulungwane ezingamashumi amahlanu zamadola. Kodwa-ke, ngale ndlela yokugcina imali, okungenani, umbuzo wokuthi ungasindisa kanjani ukulungisa indlu noma ukukhokha okukhokhwa phansi kuyokhishwa kahle. Manje ake sikhulume ngakho.
Ingabe uDeveli uyesabeka njengoba eqoshiwe?
Cabanga ukuthi umbuzo wokuthi ungayilondoloza kanjani indlu yokuhlala, ungabuza ku-2004, futhi othile angakukwazisa ngesimiso sokulondoloza, esikukhulume ngenhla. Yini eyayiyoba ngemali yakho? Futhi manje ake ucabange ukuthi ngabe uke uthathe imali yokuboleka imali ngonyaka ofaka ka-2004. Manje uzokhokha imali mboleko futhi ube nefulethi endaweni ekhule ngamanani izikhathi eziningana. Lesi yisibonelo esivela ekuphileni. Ngaphezu kwalokho, ziphendule ngokwethembeka, ukuze uzigcinele ngempela indlu yakho? Uyabona ukuthi yini ukuzithiba okudingekayo kulokhu? Phela, kuyinto eyodwa uma unesibopho ebhange ukwenza imali ethile njalo ngenyanga, kanti omunye - uma kungekho muntu kodwa ulawula izenzo zakho futhi akuphoqeleli ukuba unikeze imali yakho.
Ekugcineni, ungabe usengozini uma uthatha indawo yokuhlala? Ngisho noma ngabe umzuzwana owodwa oyisihlungu uqaphela ukuthi awukwazi ukukhokha izikweleti, ifulethi lingathengiswa. Uzokwenza ngaphandle kwezinkinga, uma ngaphambi kwalokhu okukhokhwa ngenyanga ngenkokhelo. Ingxenye yenzuzo inikezwa ebhange ku-akhawunti yesikweletu esisele, futhi ufake ezinye kwidiphozi efanayo. Esimweni esibi kunazo zonke, uzobuyela endaweni yokuqala lapho ukhona khona manje, ucabanga ukuthi ungayilondoloza kanjani indlu yokuhlala, okungcono kakhulu - uzenzele isibambiso sokufaka imali ngaphansi komcamelo wezezimali, futhi uhlale
Kungakhathaliseki ukuthi iyiphi indlela yokuthola indawo yakho yokuphila ayibonakali iyakukholisa ngokwengeziwe, usadingeka ukuqala ngokuqoqwa - ngisho nokukhokha kokuqala kwe-mortgage. Futhi lokhu kuyindaba enyangeni eziningana, ngisho neminyaka embalwa. Ungabheka izindlela zokusindisa ngokushesha ukuhlala endlini. Azikho.
Khumbula izindlela zokuzifundisa ekufundiseni kwezezimali, okuzozidingayo nakanjani ebhizinisini elinzima kangaka. Izeluleko eziyinhloko zilandelayo: uma uzuza inzuzo, okokuqala ubeka eceleni ingxenye ekhokhelwa imali, bese wenza izinkokhelo ezidingekayo zomsebenzi obalulekile wamanje; Ungayibheki ukuthengiswa nokunikezwa okuhlukahlukene kuma-izaphulelo - kukuphoqa ukuthi uthenge ukuthi uma ungabikho ngabe ngabe awuthengi nhlobo; Ungatsheli muntu ukuthi uyasindisa imali - abantu abakuzungezile, izihlobo eziseduze kakhulu, uzothola izindlela eziningi ukuze uzisebenzise kuzo into ewusizo kuwe.