Ndifanele uthenga yokuhlala ngoku? Ngaba kusengqiqweni ukuthenga indlu e Ukraine okanye eCrimea?

Ngaba kusengqiqweni ukuthenga indlu? Kakade ke, lo mbuzo usoloko efanelekileyo, ukususela ilifa isithuba loo mntu lokuphumula - yinto ebalulekileyo yokwenza ukuba ngoxolo nentsapho yam.

Umbuzo wokuba ingaba ukuthenga indlu ngoku, kubaluleke esingundoqo abo kuqwalaselwa nemihlaba njenge inzuzo. nga Enye indlela okanye omnye, kodwa ngokuqinisekileyo akaphenduli, kuba namhlanje kukho zombini pluses kunye minuses zenkqubo enjalo.

Isantya wolwakhiwo phantsi, avuke imfuno

Kufuneka igxininiswe into yokuba ngokubanzi zokuhlala kwilizwe lethu kulo nyaka udlulileyo ziwe ixabiso. Kwaye ngoku ekusukeleni ukuba kuthengwe izindlu, apho, ngokutsho iingcali, kufuneka ixesha ukwandisa ngexabiso. Ngamanye amazwi, xa lo mbuzo: "Ngaba Ndifanele thenga ngoku izindlu" kufuneka banikwe impendulo eyakhayo. Kutheni?

Eyona nto kukuba kwiinyanga ezidlulileyo 12 umthamo wolwakhiwo ocwangcisiweyo yawa umntu wesithathu, nto leyo eya kuba negalelo ukunyuka kwemfuneko square metres.

Ukwehla imali wesizwe - yinto entle ukuba nokuthengwa kwempahla

Ngoko ke akukho mfihlakalo ukuba abo baye ukonga imali yabo e US lwemali, baba kwindawo kuluncedo. Kubo, umbuzo enoba ukuthenga indlu ngoku, kucacile njenge "usuku olulodwa". Wonke umntu uyazi ukuba amaxabiso lwezindlu ebotshelelwe engange, kwaye lwemali kazwelonke rhoqo xa kuthelekiswa zitshiphu ukuya dollar. Kakade ke, ukuba isibini kwiminyaka eyadlulayo xa beqokelela "green" bethenga igumbi ilula, kodwa namhlanje ilula kakhulu. Yaye iingcali zithi ukuba dollar akayi ukufumana zitshiphu kwixesha elizayo.

Ngaba kusengqiqweni ukuba bathenga indawo kwizixeko ezinkulu

Kufuneka kuqatshelwe ukuba kusilungele, ngoku ukuthenga izindlu kwisixeko eyinkunzi okanye namadlelo kufutshane.

Ngokukodwa, i "New Moscow" iyanda ngokukhawuleza, ukwanda kwenani labemi, nto leyo ithetha ukuba akukho kude Ukwanda kwemfuno zokuhlala kwezi nkalo. Ngoku ukuthenga olulodwa, amagumbi okulala amabini kwizakhiwo ezitsha kummandla eMoscow, uyakwazi ukuthengisa inzuzo kubo kwiminyaka embalwa kamva.

utyalo-mali ezithengiswayo

Malunga ukuthenga ikhaya ngoku kufuneka ukuba nabo babe eyinkunzi simahla kwaye akazi apho kutyalwa kuyo. Ruble iidipozithi namhlanje engazisi inzuzo enkulu, kodwa imali lityale izindlu, akungekwazeki ukuba kakuhle. ezindlini zokuhlala lwezibonelelo aphuhliswe kakuhle akusoloko kusenzeka ukuba athengise ngokukhawuleza, kakuhle, okanye irenti - ukuba, naye, uya kuzisa ingeniso elungileyo.

Wowulungela na namhlanje mortgage yokubolekisa

Kakade ke, ukhathazeka ezininzi malunga umbuzo wokuba ingaba kuthenga ngoku indlu mortgage.

Kubulungisa kufanele kuqatshelwe ukuba yinxalenye ebalulekileyo ye amaziko zebhanki ngoku eqala 'ukuwa' yenkqubo yemali yokubolekisa. Kwaye phambi kokuba inzala kubo aye anda ukususela kwi Russian Central Bank waphakamisa kwenzala.

Ngokukodwa, i-Savings Bank for ixesha elithile wayeka ukukhutshwa nezivumelwano zokubambisa olubekwe yi indawo yokuhlala kunye nemoto.

Xa ucinga umbuzo ngoko kuya kwenzeka mboleko ngenxa zokuhlala, kufuneka sinikele ingqalelo ezi zinto zilandelayo: "? Uya kuba yintoni na imfuno kubo" Ezinye iingcali zikholelwa ukuba banikwa imeko yangoku, amazinga nomdla engange ifikelele uphawu ka-20%. Ngokuqhelekileyo, kwimeko efanayo onqwenela ngokusesikweni mboleko ixesha elide ziya kuba mbalwa. iimeko ezinjalo ezinzima baye abo basweleyo ngokukhawuleza iimeko ezingcono lwezindlu. Noko ke, baya kuzama kuthabatha mboleko kweli xesha lifutshane kangangoko kunokwenzeka. Konke oku kuya kukhokelela ekuncipheni nemfuno zezindlu. Yintoni eza kuthetha le nto? Kuphela into yokuba izindlu ziya kuba kubiza.

Kwangaxeshanye, omnye inxalenye abahlalutyi bathi ngeranti engange ziya kuwa ngaxeshanye kunye ekunciphiseni iindleko zamafutha, nto leyo ekugqibeleni zivuse "ukuqanda" kwemarike ukwakhiwa kwezindlu. Ngenxa yoko, izindululo ziya kuba ngaphantsi, kodwa ixabiso engange ziya kubanjwa.

Thatha-mboleko okanye ukuthatha? Ukuba amaxabiso izindlu ziya kuwa, ingozi Kusengenzeka. Noko ke, ukuba uya kuhlala ixesha elithile elibekiweyo, imarike yemali akayi kukhule. Enye indlela okanye omnye, kodwa iingcali azilukhuthazi kulo nyaka ukuba angene kwimvumelwano mboleko yokuthenga izindlu, ngenxa yokuba ubukho umngcipheko omkhulu zemali. Kuyo nayiphi na imeko ukuba ngokuqinisa imiqathango yosetyenziso-mboleko yokuthenga izindlu, elunxwemeni lomlambo.

Ngaba kufuneka imali kwizakhiwo ezitsha

Kakhulu efanelekileyo ke umbuzo wokuba ingaba kuthenga ngoku indlu kwi sakhiwo? Ngokutsho abahlaziyi ezininzi, amaxabiso engange ngenxa yezakhiwo ezitsha ziza kunyuka. Oku kubangelwa kukuba ababhekisi phambili ezininzi kunye nabathengisi ungasetyenziswa ukubeka amaxabiso izindlu ezithengiswayo kwi-US kunye nemali zaseYurophu. Ukongeza, ukunyuka kwamaxabiso izakufunyanwa izixhobo zokwakha podorazhaniem kunye nezinye iinkonzo ezinikezelwa yi ababhekisi phambili. Ngamanye amazwi, iindleko ukwanda impahla, kunye neenkampani zokwakha kule nkalo andifuni ukuba esingasingisi ilahleko. Ngoko, iindleko izakhiwo ezitsha, wathuma, namhlanje ifaniswa amaxabiso apho izinto ziyaphunyezwa phantsi udidi yamakhaya yesibini.

Amaxabiso aphezulu ngokuba zokuhlala indlu entsha kwakhona kwabangela ukunyuka kwezinga lenzala kwi-mortgage, elathi laseka i Central Bank.

Kunjalo, imfuno yezakhiwo ezitsha zehla insignificantly. Abaninzi baba "zaseprayimari" kuba limi ngxi zitshiphu ngaphezu udidi kwezindlu "b / y." Le deal kwisakhiwo esitsha akukho zilula ngaphezu phezu into ye-secondary kwimarike ezithengiswayo. Ukongeza, abahlali ungakhetha ubeko yabo indlu, nto leyo nayo i uncedo ukuthenga injongosenzi udidi market real estate "lokuqala".

Ngoko ke, ngaba isengqiqweni ukuthenga indlu yokuhlala kwisakhiwo esitsha ngo-2015? Ukuba unayo imali nanceba, ufuna ukutyala imali, ngoko, kakade, ewe. Nangona kunjalo, oku kufuneka kwenziwe caveat ebalulekileyo: kufuneka ukujongana kuphela nabaphuhlisi ethembekileyo okanye iinkampani zokwakha ezinokuthi ukunika isiqinisekiso zebhanki ebalulekileyo.

Ngaba kusengqiqweni ngoku imali emhadini

Kulo mba, ndingathanda ukuba alumkise abantu abanomdla lo mbuzo: "Ndifanele uthenga yokuhlala ngoku indlu ezakhiwe?" Apha kukho ingozi enkulu ukuba zemali umthamo inkampani yokwakha akazange avumele ukuba ukugqiba ulwakhiwo lwendawo yokuhlala. Enoba kunjalo, kufuneka ukuba uthathe amanyathelo athile khangela isivumelwano esigqitywe umphuhlisi ukuqinisekisa ukuthotyelwa kwayo umthetho olawula ukwakhiwa ekwabelwana. Kwakhona musa ukulibala ukuba olu xwebhu kufuneka zibhaliswe kwi izakhiwo zikarhulumente. Ukongeza, qho mandatory, qiniseka ukuba igama umakhi usenza sibe nentembelo.

Oku kunokwenziwa kusetyenziswa iindidi imithombo yolwazi, ekuphononongeni ehlaziya ukusabela abo bantu basebenzisa iinkonzo ngumphuhlisi. Kakade ke, ifuna iikopi inkampani yokwakha-mvume ukuze kwakhiwe isakhiwo.

namathemba bethenga ekhaya eCrimea

Namhlanje, baseRashiya abaninzi babonisa umdla omkhulu kwi umbuzo wokuba ingaba ukuthenga indlu namhlanje eCrimea. Kubonakala ukuba emva usingasiqithi yaba, amathuba ukufumana impahla 'Russian "Uyasivula phezulu kakhulu nethemba. Indawo ndawo okwangoku. Kodwa musa ukulibala ukuba kwimarike real estate iCrimea namhlanje kufuna utyalo-mali kakhulu ngakwicala likarhulumente. Okokuqala kufuneka kuphuculwe ngokomgangatho kweziseko mmandla, oko kwenza ukuba ubonelelo enganeno zemathiriyeli - kuphela kulo mzekelo, ixabiso zokuhlala zokuhlala eCrimea iya kwamkeleka. Okwangoku ekusingasiqithi ezibhalwe ukwanda kwemfuno kudidi lwezindlu kwimarike eziziisekondari. Of umdla othile kuye, oosomashishini Russian ezibonisa, liceba ukuba uvule ishishini ehotele. Ngu ezindlini iCrimea ukuba loya njengabameli amashishini naphakathi kwabo.

Imeko e Ukraine

Kakade ke, abaninzi baseRashiya, nto leyo iya kuphazamisa umbuzo namhlanje malunga nokuba ukuthenga indlu kanye ngoku Ukraine. Kodwa kukho abanye. Ke ...

Kuba iinyanga kufuneka achaze ukuba imarike real estate kweli lizwe awanazo ezona amaxesha. Sales miqulu aye ehla aya kutsho ubuncinane, imeko eladlulayo kunye kwentlekele kuqoqosho kuba nefuthe elibi lwalo lokukhawulelana nophuhliso.

Kufuneka kuqatshelwe ukuba iingcali walumkisa Ukrainian izindlu Wothenga kwizakhiwo ezitsha, njengoko abaphuhlisi zasekuhlaleni abandakanyeke ukwakhiwa kwayo, njengoko bathi, nangamandla akhe yokugqibela. Ke ukuba iinjongo kudidi imarike yezindlu zasesekondari namhlanje, abahlali abaninzi Kiev bafuna ukuthengisa ezindlini zabo ngamaxabiso aphantsi, ngenxa yokuba 'senze' emarikeni uya kulawula ixesha elide. A indawo ephambili ngokwemigaqo kwiintengiso ngoku hlala Kiev, Dnipropetrovsk, IKharkiv, ummandla Odesa.

Abanye banomdla lo mbuzo: "Ndifanele uthenga yokuhlala kanye ngoku Ukraine» Kufuneka kuqatshelwe ukuba imfuno zokuhlala phakathi kwisixeko Ukrainian ndalahlelwa phantse kathathu?. Kungoku kuthengiswa ngenyanga wokugqibela baze bathengiselwe izinto kuphela ezingamakhulu amathathu. Ngokutsho abahlaziyi, ukuthenga indlu kwindawo yokuqala, abo yokonga imali yelinye ilizwe. Ngenxa yoko, zinika wena ithuba ukwenza unikezelo lwezindlu ukuba irente.