Umbuzo wokukhetha iindlela zokuthenga indawo yendawo yokuhlala unomphela, kwaye akunakwenzeka ukuba kuya kwenzeka ukuba kubekho impendulo engafanelekanga kuyo. Ungasindisa njani indlu? - siya kuzama ukufumana impendulo yalo mbuzo.
Ngaba ndinokuyigcina ifulethi?
Isiphakamiso esivame kakhulu ukuya kumhla kwimeko yokugcina imali yindleko, ipesenteji eyingeniso yemali engenayo, eyi-10% ngonyaka. Masithi unentsapho ekwazi ukuhlawula i-ruble yamawaka ayi-50. Iminyaka emihlanu ukuya kweyisixhenxe uya kuqokelela, uthathe inzala kwi-deposit, malunga neeruble ezigidi ezihlanu, okwangoku zihambelana nexabiso legumbi lembini kwigumbi laseMoscow. Kungakhathaliseki ukuba iya kuba yindleko efanayo kule minyaka emihlanu okanye eyisixhenxe kunzima ukuyithetha, kuba imarike ishintsha njalo, kwaye ngokuqinisekileyo uya kuhlala uhamba ngokukhawuleza kumaxabiso, nombuzo othi "Ungasindisa njani indlu?" Ngaba uya kuhlala nga lungiswa. Ukuba akusiyo malunga neMoscow namadlelo ayo, mhlawumbi uya kuthengela indlu efanelekileyo, kodwa ukuba awuhlali eMoscow okanye kwenye idolophu enkulu, mhlawumbi awuyi kukwazi ukuhlawula i-ruble yamawaka angamashumi amahlanu. Nangona kunjalo, ngale ndlela yokugcina imali, ubuncinci, umbuzo wendlela yokugcina ngayo ukulungiswa kwendlu okanye ukuhlawula imali kwi-mortgage iza kulungiswa. Ngoku makhe sithethe ngazo.
Ngaba uMtyholi unobungozi njengoko evezwe?
Khawucinge ukuba umbuzo wendlela yokugcina imali yokuhlala, ungayibuza ngo-2004, kwaye umntu unokukucebisa ngesicwangciso sokonga, esikukhankanywe ngasentla. Yintoni eya kuba yimali yakho? Ngoku khawucinge ukuba ubuya kuthatha i-mortgage ngonyaka owodwa ka-2004. Ngoku uya kuhlawula umboleko kwaye ube nepropati kwipropati ekhule ngamanani amaninzi amaxesha. Lo ngumzekelo ovela ebomini. Ukongezelela, ziphendule ngokunyanisekileyo, ukuba unokusindisa ngokwenene indlu? Ngaba uyazi ukuba yintoni ukuziphatha okufunekayo kule nto? Emva koko, yinto enye xa unembopheleleko ebhanki ukwenza inani elithile ngenyanga, kunye nelinye - xa kungekho mntu kodwa ulawula izenzo zakho kwaye akakunyanzelisi ukuba unike imali yakho.
Ekugqibeleni, ubeka phi umngcipheko xa uthatha indawo yokuhlala? Nangona ufumana umzuzu owodwa onenkathazo ukuba awukwazi ukuhlawula amatyala, indlu leyo ingathengiswa. Uya kukwenza ngaphandle kweengxaki, ukuba ngaphambi kokuba le ntlawulo yenyanga ihlawulwe. Ingxenye yenkcitho inikwe ibhanki kwi-akhawunti yecala elisele, kwaye ibeke enye kwidiphozithi efanayo. Kwimeko embi kakhulu, uya kubuyela kwindawo yangaphambili apho ukhona ngoku, ucinga malunga nendlela yokugcina imali yezindlu, kwindawo engcono - yenza iimbambiso kwisibambiso phantsi kwe-pillow, kwaye uhlale
Naluphi na indlela yokufumana indawo yakho yokuhlala ayibonakali ngakumbi kuwe, kufuneka uqale ngokuqokelela-nokuba yintlawulo yokuqala yokuthenga imali. Kwaye le nto iyimiba yeenyanga eziliqela, kunye neminyaka emibini. Musa ukukhangela iindlela zokusindisa ngokukhawuleza indawo yokuhlala. Akunjalo.
Khumbula iindlela zokuzifundisa ekufundiseni ngemali, oya kuyifunayo ngokuqinisekileyo kwi-shishini elinzima. Iingcebiso eziphambili zilandelayo: xa uzuza inzuzo, okokuqala ubeka eceleni icandelo elixhaswe ngemali, uze wenze iintlawulo ezifunekayo zomsebenzi obalulekileyo ngoku; Musa ukubheka ukuthengisa kunye nezipesheli ezahlukeneyo kwizaphulelo-ziyakukunyanzela ukuba uthenge xa ungabikho ungeke uthenge konke; Ungatsho mntu ukuba uyayigcina imali - abantu abasondelene nawe, ngakumbi izalamane ezisondeleyo, baya kufumana iindlela ezininzi zokuba uchithe kwizinto ezincedo kuwe.