Kubwereketsa kumathandiza kwambiri kuwonjezera ndalama zogulira ngongole ku banki. Ngongole imatanthauza kupereka ndalama kwa wobwereka kugula nyumba kapena chinthu china. Kuti mutenge ngongole, mungathe kugulitsa nyumba zokha, komanso katundu wina, monga yachts, nthaka ndi magalimoto.
Malo omwe adagulidwa ndi ngongole yokhayokha amakhala mwini wa munthu wokhala m'dzikolo amene adatenga ngongole. Poyambirira kuti mutenge ngongole ya ndalama, kunali kofunikira kupanga ndalama imodzi, koma posachedwa mungathe kutenga ngongole popanda ndalama.
Mu Russian Federation, ngongole ya ngongole imagwiritsidwa ntchito kugula nyumba. Pansi pa ngongole zambirimbiri, nyumba zogulidwa zimangidwanso, koma mukhoza kugwiritsanso ntchito malonda omwe alipo kale.
Ku Russia, ngongole imathandizira pa dziko lonse lapansi, yomwe imabwereza malamulo onse ogulitsa ngongole, ndipo ili ndi bungwe lapadera.
Phindu lopanga choyamba chikhoza kukhala kuchokera ku 0% mpaka 90% mwa mwayi wopeza nyumba. Koma makamaka kubwereketsa ngongole kwa anthu omwe ali ndi ndalama zochepa kapena zopanda ndalama zowonjezera ndalama, kapena anthu omwe alibe ndalama zothandizira mitundu yonse.
Kawirikawiri, pali mitundu yambiri ya ngongole yobwereketsa, choncho munthu aliyense wobwereka amasankha ngongole yokhala ndi ndalama zochepa kapena ngakhale palibe.
Kukwanira popanda kulipira koyamba kumafunika kwambiri pakati pa anthu a ku Russia omwe akufuna kupeza malo awo okhala. Kwa okongola mabanki ena amasangalala kupereka ngongole kwa ndalama iliyonse. Kwenikweni, mtengo wa ngongole imapanga 70% -80% ya mtengo wa nyumbayo.
Koma, ngakhale kuti mabanki amatha kuwapatsa ndalama, ndalama zogulitsa ngongole zimatha kuchoka pazinthu zambiri, mwachitsanzo, monga nthawi yomwe ngongole idzawerengedwere, ndipo pulogalamu ya ngongole imaperekedwa ku banki yomwe mwasankha.
Komanso ngongole yobwereketsa imeneyi ndi yabwino kwa anthu omwe ali ndi nyumba zawo, koma akufuna kugula nyumba zogona komanso zatsopano. Ndipo ngati mukufuna kutenga ngongole yobwera ngongole pansi pa malo enieni omwe mulipo, ndiye kuti muyenera kudziwa kuti katundu wogulitsa nsomba ayenera kukhala mumzinda womwewo monga banki yosankhidwa.
Kuti mulembetse ngongole ya ndalama ngati mulibe ndalamazo, mungagwiritse ntchito kamodzi mitundu iwiri. Ngongole yoyamba yomwe mungatulutse pa chitetezo cha nyumba yanu, mungathe kuitanitsa ngongole yachiwiri kuti muteteze nyumba zomwe mumagula.
Mukhoza kuitanitsa ngongole yoyamba kuti muthe kulipira koyamba. Pafupifupi mabanki onse omwe amapereka ngongole mwachindunji kukhazikitsa pulogalamu ya ngongole ku malo awo, izi zimachitidwa kuti akhale ndi mwayi waukulu wopezera ngongole ziwiri mwakamodzi. Koma ndibwino kumvetsetsa kuti pulogalamu ya ngongole imeneyi ili ndi chidwi chokwanira.
Ngati mukufuna kusunga ndalama zanu, ndiye kuti ndi bwino kuti mupereke ngongole m'mabungwe osiyanasiyana azachuma.
Komanso, mtundu wochuluka wa kubwereka ngongole ndi kulembetsa kwa ngongole ya anthu ogula. Mungagwiritse ntchito ngongole ngati mulibe malo ogulitsira katundu. Kuti mupange kulipira koyamba muyenera kutenga ndalama kuchokera ku ngongole yomwe wagula kale, yomwe ilibe chikhalidwe chachinsinsi.
Mukamalonjeza ngongole, muyenera kuganizira mavuto ena omwe angabwere pokwaniritsa ngongole.
- Banja likakupatsani ngongole ya ogula, ndiye izi zidzatsogoleredwa ndi ndalama zomwe ali nazo za wobwereka, mwazinthu zina, ngati phindu lanu likulembedwa.
- Kawirikawiri, ngongole za ogula zimatulutsidwa kwafupikitsa kuposa ndalama zogulitsa ngongole, ndipo kuchokera pa izi zingatheke kuti mawuwo angakhudze ndalama zomwe zimatengedwa, pamene wobwereka akhoza kutenga ngongole yaing'ono kuposa ngongole.
- Banki yomwe imabweretsa ndalama kwa wobwereka ikhoza kuika malire pa kubwereketsa ngongole. Ngati mutenga ngongole yogula anthu oposa 300,000 - 500 000, ndiye kuti mabanki angakufunseni kuti mupereke katundu.
Ngongole imeneyi, komanso ena onse, angaperekedwe kudzera pa intaneti.
Kuti mutenge ngongole mungagwiritse ntchito intaneti. Kuti muchite izi, muyenera kupita ku webusaiti ya banki ndikupereka mafunso oyenerera a wobwereka, omwe mukufunikira kuti mudziwe zambiri. Mutapereka chilolezo choti mutenge ngongole kudzera pa intaneti, zolemba zanu zidzasamalidwa mosamala kuti zikhale zenizeni paokha. Koma dziwani, ngati mupereka zambiri zabodza ku banki, ndiye kuti mungakane kulandira ngongole.
Kupeza ngongole kuboma la Russian Federation chaka chilichonse kumakula. Tsopano mukhoza kulandira ngongole kumalo alionse m'dzikoli. Mwachitsanzo, ku Nizhny Novgorod, mungathe kutenga ngongole ya ndalama popanda chigawo choyamba m'mabanki makumi atatu, ndipo banki iliyonse ili ndi mapulogalamu asanu ndi atatu.
Ku Moscow, tsopano mukhoza kulandira ngongole yobwera ngongole m'mabanki 48 omwe amapatsa okhoma awo mapulogalamu okwana 440, choncho mu likulu lanu mukhoza kupeza banki kuti mupeze ngongole, yomwe ikugwirizana ndi zomwe mukufuna. Ndipo kuti mutenge ngongole ku St. Petersburg popanda malo oyamba, muyenera kugwiritsa ntchito mabanki okhala ndi ngongole yogwira ntchito, popeza mabanki omwewo amapereka mapulogalamu pafupifupi 300 a ngongole.
Musanagwiritse ntchito ngongole, muyenera kuganizira zinthu zonse bwino, komanso kuganizira ngati mungathe kulipira ngongole mwezi uliwonse. Pamene simungathe kulipira ngongole, ndi bwino kuti musapseke pakhomo kapena malo ogula. Ndipo kumbukirani chinthu chofunika kwambiri, ndizosavuta kutenga ngongole, koma muyenera kubwezeretsanso.