Kanjani ukubuyela intela kusuka ukuthenga indawo? Zonke ezicashile kubanjwe impahla

Esinye nesinye isakhamuzi ukusebenza yezwe ubophekile ukuba ungakhokha intela. Uhulumeni anganikeza eziphilayo nendawo yalo abantu ukunakekelwa kwezokwelashwa kwamahala nemfundo, kanye ukuvikela imingcele futhi silondoloze ukuhleleka ngaphakathi. Nokho, izakhamuzi banikezwa ithuba ukubuyela intela ukuthenga indawo esimweni ukufundisa Imali futhi ukwelashwa okubizayo. Sidinga isikhathi kuphela futhi iqoqe imibhalo efanele.

imibhalo edingekayo

Yiqiniso, uma wenze okokuqala, kubonakala sengathi luyindida futhi kunzima. Kodwa kusukela entela ukuthenga indawo kungaba cishe wonke umuntu usadinga ukuthola it out. Futhi udinga ukuqala nge ukuqoqwa kwemibhalo edingekayo. Futhi lokhu:

- ipasipoti Russian (original kanye ikhophi ikhasi lokuqala bese ikhasi nge yokubhalisa);

- engenayo isitatimende ngoba ngonyaka odlule ngaphansi ifomu 2-PIT (kuphela yokuqala, lingase lithathwe emnyangweni ezimali endaweni yomsebenzi);

- esitifiketini sokubhaliswa amalungelo impahla (wokuqala nekhophi, ekhishwe ngo-ukubhalisa kuthengiselana ekamelweni yokubhalisa);

- ubufakazi bokukhokha (irisidi, irisidi yokukhokha bese oda lokukhokha);

- isicelo intela imbuyiselo (ifomu ezinikezwe intela, kodwa odinga ukukwazi imininingwane ye-akhawunti ukudluliswa imali);

- ifomu isimemezelo 3-PIT (egcwele ngokuzimela noma ungacela usizo kudokotela onguchwepheshe).

Inqubo yokuthola sokubuyiselwa imali yentela

Uma waqoqa yonke imibhalo, sekuyisikhathi ukuya ehhovisi lentela endaweni lapho uhlala khona. Lapha-ke, kufanele kuqashelwe ukuthi engxenyeni yokuqala yonyaka ngokuvamile lidalule kwezintela. Ngakho-ke, kusukela ngo-entela, ungathenga indlu yokugcina 3 iminyaka, kungenzeka ukuhlehlisa yonke imisebenzi ukuze entwasahlobo nasehlobo. Uma unquma ukuvala le nkinga emuva ngoJanuwari, kumelwe ukulinda ulayini eside kakhulu.

Kuyaphawuleka futhi yokuthi izimali angafakwa ohlwini phakathi kwezinyanga 2-4 emva ukulethwa imibhalo. Le nkathi kuyadingeka isevisi intela, ukuhlola ubuqiniso ulwazi. Ukwazi kanjani ukubuyela intela ukuthenga indawo, ungacabangi ukuthi uzokwazi ukuthola yonke lemali. Kukhona ezinye imikhawulo ukukhokhelwa.

Okokuqala, ungathola Isamba esingeqile ku-13% we-ruble 2 million, noma 260 ayizinkulungwane - iyona wenkokhelo esiphezulu. Ngaphezu kwalokho, uma ngonyaka odlule, isamba intela ikhokhwe ingaphansi imali ukuthi kumele ibuyiselwe emuva, bese ibhalansi esele ngeke adluliselwe ngonyaka ozayo. Kodwa ukuthola izinkokhelo ezinjalo kuphela kule minyaka emithathu eyedlule. Futhi ukusebenzisa imali ebanjwayo impahla kungenzeka kanye kuphela endaweni esaphila. Ekugcineni, ungase futhi ubuyele inzalo ekhokhiwe ku mortgage.

isiphetho

Ukuqonda lokho izintela lungabuyiselwa, abantu abaningi bajabulela izinzuzo futhi ngaleyo ndlela olungaba isinxephezelo nezindleko zabo zokwelashwa kanye cwaningo eyunivesithi. Kodwa mhlawumbe ethandwa kakhulu ezweni lakithi nokudoswa impahla. Ngemva ukuthathwa noma ukwakhiwa kwezindlu kuyinto ebaluleke ngoba cishe wonke umuntu. Futhi njengoba entela Ungathenga ifulethi ngalinye, ukulethwa nezimemezelo ezifana nentela usazoba nentshisekelo izakhamuzi.