Ngati mutangotsala pang'ono pokha mwezi uliwonse, pakapita zaka zambiri musanagule nyumba. Koma ngati mumagulitsa ndalamazo, zidzakhala mofulumira. Kugula nyumba yanu - kwa ambiri a ife izi ndizovuta kwambiri. Koma mitengo yamtengo wapatali mumzindawu, komanso m'midzi ina, yafika kumwamba ndipo mwachiwonekere sichifuna kupita nawo. Anthu ambiri amakayikira "momwe tingagwirire nthawi yathu ku nyumba" ngakhale ndi malipiro a rubles 30-40,000 amawoneka ngati osatheka. Ndipo ngakhalenso ndi ndalama zochepa - ndipo palibe chimene munganene. Zoona, zimaphatikizapo kuti pakhale ndalama zambiri, zipangizo zamakono monga kusunga ndalama panyumba pansi pa mateti amagwiritsidwa ntchito. Koma ngati, mwachitsanzo, "zimaphatikizapo" ndalama zogwirizanitsa (ndalama zogwirizanitsa) kapena ndalama zosungira mabanki, chithunzicho chimakhala chosiyana kwambiri.
Kotero, ndiwe woyang'anira wapakati. Mukupeza ruble 42,000 mwezi, m'zaka zaposachedwapa wapeza ndalama zochepa, nkunena mabulu 50,000. Pangozi yokwanira yokwanira pakadutsa zaka zinayi, ndalamazi zingasanduke ndalama zambiri ndi zero zambiri. Chinthu chachikulu ndicho kutenga sitepe yoyamba. Komanso zidzakhala zosavuta.
Ndani sachita ngozi ...
Mukhoza kutumiza ndalama zanu, komanso theka la ndalama zanu mwezi uliwonse, ku bungwe losungirako ndalama. Ndi bwino kusankha "pafupifupi", zomwe zikuwonetsa ndalama zochepa, koma sizomwe zili pakati pa atsogoleri akukula (nthawi zambiri amatha kukhala kunja). Kuchuluka kwa zokolola zoterozo m'zaka zaposachedwa ndi pafupifupi 37% pa chaka. Chifukwa cha njirayi, likulu la zaka zinayi lidzakhala 2 miliyoni 258,000 rubles (onani mbale). Ndi ndalamazi mutha kuganiza kale kugula nyumba yanu.
Kawirikawiri, zotsatira zomwezo zikhoza kupindulidwa ndi ndalama mu kampani ya ndondomeko (mwa dzina lake, mwinamwake, ili ndi mawu akuti "MICEX Index"). Komabe, ndalama zoterozo zimakhala ndi zoopsa zambiri, ndiko kuti, mwinamwake kuti zidzakhala zochepa kuposa momwe zikukonzedwera zikukula. Koma mumatha kufika malire a ruble 2 miliyoni m'zaka zisanu, ndikubwezeretsanso ma ruble 10,000 pamwezi.
Ngongole popanda ukapolo.
Zochitika zikuwonetsa kuti ndi ruble zikwi khumi pamwezi - izi ndi kuchuluka mwa kuikapo zomwe mungamve bwino. Inde, mu kanthawi kochepa kuti muwonjeze izo zingakhale ndi njira yolondola. Ndi njira yabwino yakale yothetsera (ndalama - muzoyika), iwe ukhoza kusunga phindu loyamba la ngongole. Ngakhale kulipira ndalama za mwezi uliwonse za ruble 10,000 mu malonda otsika kwambiri (mwachitsanzo, bizinesi yomwe ili ndi chiwongoladzanja cha 12%) zaka ziwiri kenako, likulu likhoza kupanga makina 260,000. Kukulitsa ruble 2 miliyoni njira iyi idzatenga zaka zoposa 11.
Kugula nyumba kuti mutenge ngongole, muyenera kuganizira za kusonkhanitsa chigawo choyamba. Ngati ndi 20 peresenti ya mtengo wa nyumba, tiyeni tiwone, ndikofunikira kusonkhanitsa rubles 400,000. Kuwonjezeka kwa ndalama izi ndi chiwopsezo chochepa chidzatenga zaka zitatu.
Chinthu chinanso chofunika kwambiri pankhani yachuma ndi chofunikira kudziwa ngati mukuganiza kutenga ngongole. Mwachitsanzo, mutapereka chiwongoladzanja ndi ndalama zofunika kwambiri zomwe mumapeza pakhomo lanu padzakhala ndalama zina. Zitha kukhazikitsanso ndalama, kunena kuti, pokhapokha ndalama zowonjezera ndalama ndizoopsa. Ndi zokolola zambiri za 20% muzaka ziwiri, mungathe kupeza ndalama zabwino kuti mubwezeretsenso gawo la ngongole ndikufulumizitsa kuchoka ku ukapolo wa banki.
Kodi ndimagwiritsa ntchito zingati?
Kukonzekera ndikofunikira kukonzekera bwino ndalama zanu, pamlingo woyendetsera ndalama. Mwachitsanzo, kumapeto kwa chaka chatha msungwana wamng'ono akugwira ntchito ku kampani yayikulu yakumadzulo anapempha katswiri kuti amupatse uphungu. Anapeza rubles 80,000 pamwezi. Pofuna kugula nyumba kumadoko, iye analibe ruble 1.3 miliyoni. Mtsikanayo anali otsimikiza kuti sangathe kupulumutsa ndalamazi. Pa zaka zitatu zapitazi, adatha kubwezeretsa ruble zokwana 200,000. Zinapezeka kuti nkhani yonseyi ikugwiritsidwa ntchito. Atawerengera ndalama zofunikira (chakudya, zovala, kubwereka nyumba, etc.), iwo adapeza kuti zonsezi zimagwiritsa ntchito rubles 45,000 pamwezi. Zina zonse - zowonongeka, zomwe zimatha kukana. Zinaoneka kuti ngati mutasunga mabiliketi 35,000 mwezi uliwonse, ndiye kuti zikwi zinayi zokwana 420 zidzasungunulika chaka chimodzi. Mu zaka ziwiri mudzalandira makina 840 zikwi ndi mabiliketi 200,000. rubles wa kale kale ndalama. Onse kuti agule nyumba ya ruble 1.3 miliyoni ayenera kuyankha 260,000 rubles, omwe si ovuta kudziunjikira. Momwemonso, amatha kubwereka. Choncho, mukhoza kusunga nyumba yotereyi m'miyezi iwiri ndi miyezi isanu ndi itatu. Ngati mumasunga ndalama pa akaunti ya banki ya ndalama, mukhoza kukwaniritsa cholinga chanu miyezi itatu kale.
Masamu achidule
Chaka | Ndalama yoyamba, sungani. | Malipiro a mwezi uliwonse, pepa. | Mphamvu | Zotsatira, zongolani. |
2008 | 50,000 | 21,000x12 | 37% | 402,000 |
2009 | 21,000x12 | 37% | 854 000 | |
2010 | 21,000x12 | 37% | 1 506 000 | |
2011 | 21,000x12 | 37% | 2 258 000 |
Ngati chikhumbo chogula nyumba ndi chachikulu, ndiye ndithudi nkofunika kuti pakhale bajeti. Kodi muyenera kuchita chiyani izi?
1. Kugawa ndalama ndi mitundu (zofunikira, malipiro oyenera, zovala, maphunziro a mwana, etc.) ndi nkhani.
2. Dziwani zomwe zingathe kuchepetsedwa (kugula zinthu zambiri kapena kupita kutchuthi m'nyengo "yakufa").
3. Pewani ndalama zopanda malire komanso zopanda chilungamo (mwachitsanzo, kugula mobwerezabwereza kwa zibangili).
4. Dziwani kuchuluka kwa ndalama za mwezi ndi mwezi, pogwiritsa ntchito ndalama ndi ndalama zomwe mumagwiritsa ntchito.
Komabe, munthu ayenera kumvetsetsa kuti ndizovuta kuti asungire mwamsanga nyumba. Izi ndizotheka, koma zimafuna khama lalikulu. Ndipo amafunanso anthu ena ozunzidwa. Koma simukusowa ndalama zonse zomwe muli nazo mu PIFs. Muyenera kusiya ndalama kubanki kuti muwachotsere ngati mwadzidzidzi muli ndalama zomwe simukuziyembekezera. Idzakuthandizani kuti mukhale otsimikiza kwambiri. Koma uphungu waukulu: musasungire ndalama zonse pansi pa mateti. Aloleni iwo akugwiritseni ntchito. Ndipo maloto anu.