UmthethoState kanye nomthetho

Uthola kanjani kusukela State ruble 260 000: Amathiphu. Uthola kanjani kusukela State 260 000 ruble ngoba impahla?

Kanjani ukusuka isimo ama-ruble ayizigidi 260, futhi kungenzeka? Yebo, libalulekile. Abantu abaningi ukufunda ngakho, khona gleam emehlweni akhe futhi esinamandla ngokushesha ukuthola imininingwane. Ngempela, cishe ingxenye yesine kwabaneminyaka kwesigidi - imali hhayi okubi. 99,9% sabantu, lapho ezwa ngalesi lemali bona sihlola nje lokho abebengathanda sebenamashumi ke. Kodwa izinto azinjalo elula. Ngeshwa, eRussia, nje ungayeki imali kunoma ubani. Sidinga ukuthobela abanye lokho izimo.

ilungiselelo jikelele

Into yokuqala ukuthi kumele ukunakwa kuqashelwe, ukhuluma ngani indlela ukusuka isimo ama-ruble ayizigidi 260, ngakho-ke isimo esiyisisekelo. Futhi lokhu: wonkhe umhlali Russian Federation bangaba umnikazi wale isamba, kodwa kanye kuphela ekuphileni kwakhe. Nokho, isimo yesibili - uphe abantu abaye wathenga indlu. Noma uhlose ayithenge.

ama-ruble ayizigidi 260 kusukela isimo ungathola zonke izakhamuzi zaseRussia okhokhayo intela. Ukuze ngani umuntu ozuza izindlu uqobo noma eyingane.

instantiation izindlela

Ukukhuluma ngendlela ukusuka isimo ama-ruble ayizigidi 260, kufanele ukunakwa kuqashelwe ukuba ehilelekile esisodwa esibalulekile. Le mali - esiphezulu. Ngokuvamile, zivamise ukunikeza isakhamuzi 13% yezindleko izindlu, ngoba ayelayo ngeso lakhe, ngenkathi kumele singeqi ruble abangaphezu kwezigidi ezimbili. It kuvela ezingeqi kwezingu ruble 260 000.

Kuleso simo, uma efulethini / indlu kukhona ruble esingaphansi 2 million., Bese lemali esele umuntu kungaba "ukufika» uma siyofeza olandelayo ingcebo zokuthenga.

A amazwi ambalwa mayelana mortgage. Abantu benza lokhu uhlobo loan nesithakazelo ngokukhethekile ukuthola kanjani uMbuso ruble 260 000. Ngaphandle notorious 13%, anelungelo ukubuyela 13% inzalo ekhokhiwe ku loan. Kusho ukuthini? Into Elementary. Le ndoda abathenge impahla ngo mortgage, unelungelo eligcwele more lemali "ezikhangayo". Kodwa ngisho lapha has komkhawulo lalo. It akavumanga ruble ezimbili, kodwa ezintathu million.

ukukhipha

Wonke amadokhumenti ukubuya imali ngentshisekelo zifakwe ehhovisi lentela. Kukhona kudingeka baphathe amaphepha ambalwa. Kuyadingeka intela ukubuya ku kwentela yengeniso izinyanga 12, isitifiketi engenayo sokuqashwa, amadokhumenti ku izindleko zokukhiqiza futhi eqinisekisa abantu ilungelo lokuthola izindlu. Uma konke lokhu, it has ithuba lokuthola ruble 260.000 wombuso. I imali yentela zizokwenziwa nje ngaphambi kwakho konke lokho abahloli kufanele ucabangele isicelo lomuntu bese uhlole ephepheni. Khona-ke ukudlulisa izimali kulezi imininingwane. Kodwa kumelwe siyaqonda ukuthi konke akwenzelwa ngesonto. Kuzodingeka silinde isikhathi eside.

Yini enye eningayenza imali?

Kusese ezicashile abaningi mayelana nendlela ukuthola uMbuso ruble 260 000. "Itholakala kuwo wonke umuntu!" - isiqubulo lizwakale yonke indawo. Eqinisweni, akusiwona ngempela kuyiqiniso. Nakuba yebo, ubani uhlose ukwakha noma ukuthenga indlu, ifulethi, villa noma omunye umuzi. Imali ayikwazi esichithwa into afuna. Abakwazi ukukhokhela yephrojekthi izindleko izilinganiso, zokwakha ukwakhiwa kanye yokuqedela umsebenzi repairmen, ukudiliva nokuthulula uxhumano zokuxhumana.

Nokho, muva nje-ke baqala ukunikeza imvume perekreditatsiyu okuthiwa. Kusho ukuthini? Ngokwesibonelo, umuntu wafunda ngokusebenzelana mortgage imali eningi inikeza kwelinye ibhange. Kodwa sekwephuzile - udumo-uye yakhelwe kudala. Kulungile. Angatsatsa futhi imali ebolekiwe ngezithukuthuku lezi zimali mortgage. Ngemva okuyinto abuyisele emigomeni kahle ebhange. Lisho ukuthini usizo lwezimali isimo? Naphezu kweqiniso lokuthi kungabuye bagqoka izinkokhelo isithakazelo.

Amanye amadokhumenti

Abantu abaningi banesithakazelo kanjani ukusuka State ruble 260 000. Iseluleko labo kakade Kwatholakala, ngokuvamile kungasiza lula umsebenzi wakho. Njengoba umkhuba ubonisa, intela kuyadingeka ukuletha ngangokunokwenzeka ezihlukahlukene imibhalo. Ngezinye ngokwayo akufanele igcine ngokuba ubufakazi isimo. ukubhalisa ubunikazi impahla. Okubaluleke nakakhulu ukuthatha isivumelwano ukuthenga. Kube izindleko izindlu kumele esikhethiweyo. Uma le ngxenye endlini, intengo kuboniswa eceleni - kokubili ukwakhiwa nezwe.

Okuningi kudingekile ukuba isenzo ukwamukela ukudluliswa izindlu abakhokhi bentela. Ngaphezu kwalokho, kubalulekile ukuba khona inkontileka ye ukwakhiwa ngokuhlanganyela nesabelo izimangalo efulethini / indlu / umhlaba. Ekugcineni, kudingeka unikeze isinqumo sokwahlulela, okuyinto isiqinisekiso sokugcina ngalokuphelele emalungelo eluntfu kobunikazi.

Kodwa ngisho ukuthi akugcini lapho. Zonke imibhalo ukukhokhelwa kwezindleko ezithile kufanele kube umuntu ngokwakhe. It namarisidi, yemali engukheshe ekhokhiwe kanti amaresidi, izitatimende, amarisidi, oda imali ... futhi yonke isibopho ngenhla ukugcina igama lomuntu, isicelo usizo lwezimali.

iphepha credit

Uma umuntu wenza a mortgage, nalokho bekusayoba ukuthi unikeze imibhalo ezengeziwe. Ndawonye nabo, sithola ifolda yangempela onohlonze. Ngakho, udinga sivumelwano mortgage / imalimboleko, loan ukubuyiswa kwemali schedule futhi "econsa" inzalo, ngisho isitifiketi ebhange. Kufanele imumathe ukwaziswa okuningiliziwe iphesenti ukuthi isakhamuzi selikhokhe kakade. Ubufakazi lokhu kuzoba isitatimende akhawunti. Ngokwemvelo, uzodinga futhi ukwethula.

Nakhu ukuthi ukusuka isimo ayizinkulungwane 260 ruble ngoba impahla. Imibhalo kakhulu. Okuningi ngisho kuka semvume yokuhlala kunoma yiliphi izwe okuthuthuke kakhulu. Futhi ngisho kuletha ukumamatheka, uma kubhekwa ukuthi kuba esiphezulu ayizinkulungwane 260. Hlikihla.

Ngokwesibonelo

Ukuze uqonde ukuthi isebenza kanjani, kubalulekile ukuze uthumele ithiyori nekwenta. Engingakusho nje isibonelo esisodwa.

Ngakho, kukhona umuntu salengiswa kungenziwa ngokuthi u-Anton. Yena eqashwe ngenyanga wathola ama-ruble ayizigidi 45. Kodwa wabuye okhokhela 13% kulesi samba intela. Le mali ingu 5850 k. It kuvela ukuthi ngonyaka owodwa Anton akhokhe ruble 70.200. Futhi yilokho kanye lemali ukuthi uhulumeni bayobuyela Anton ngesimo sokubuyiselwa imali yentela yempahla. Kodwa kufanele sikhumbule ukuthi ilungelo ukuthola "ilungelo" enjalo sisebenza kuphela ngonyaka lapho yena athole impahla.

Anton enquma ukuthenga indlu ruble abangaphezu kwezigidi ezimbili. Futhi, ngokuhambisana nomthetho, yena uncika eziyihlazo amaphesenti-13 ebanjwayo - 260.000 p. Uma iholo lwakhe izohlala injalo, ukuthi iminyaka emithathu, uyakwamukela ukuthi kubanjwe imali ruble 70 200, bese omunye unyaka - ruble 49 400. Nakhu ukuthi ukusuka isimo ruble kuze kufinyelele 260 000. intela Simple ukuthi abantu nje bamshaya ngokomthetho, ukusebenza - ukuthi lokhu kusho ukuthini usizo lwezimali. Futhi uma sikhumbula kangakanani njalo udaba kufanele banikwe ukuze uthole imvume intela! Umphumela, eqinisweni, umuntu abanike imali etholwe. Akumangalisi ukuthi kungani abantu abaningi manje ukusebenza ngaphandle umsebenzi - kuba inzuzo ngempela.

Yini enye engingabuye ngiyenze kokwazi

Kufanele kuphawulwe ukuthi notorious 13% kanzima, phakathi kwezinye izinto, ungabuyela ukuze sivale lapho sisilela ukwelashwa ikhokhwe (operation ezibizayo, isibonelo) noma isifundo. Ngokwemvelo, isidingo sokuba kunakekelwe ngokwezinto eziningi amaphepha, kanye esimweni esesikhulume ngazo. Kodwa ngaphezu izenzo ukuthenga izindlu kanye nezinye izinto, uzodinga ukuqoqa inkontileka ukwelashwa ikhokhwe / ukuqeqeshwa, isikhungo ilayisensi (esibhedlela noma inyuvesi), amarisidi inkokhelo, futhi kwentela yengeniso. Khona - konke okufanayo. Ukuthunyelwa kwemibhalo intela kanye ukulinda isikhathi eside. Uma ukholelwa ukuthi ukubuyekezwa, isicelo kungenziwa kubhekwe izinyanga ezintathu. Ngemva isinqumo ezinsukwini ezingu-30 umuntu ngezithukuthuku imali kuyofika.

Nokho, njengoba ungabona, eziyengayo 260.000 ruble nje ungayeki ubani. bentela kuphela futhi kusukela izimali zabo. Nokho, uma umuntu oqashwe njalo ngenyanga futhi uyakulalela 13% yengcebo isimo, wamane kumelwe ukusizakala ngaleli thuba, njengoba besho, thatha wakhe. Ekugcineni, 260 ayizinkulungwane - lokhu kubuye imali futhi siwusizo kakhulu.

By endleleni, kukhona izipesheli kangcono. Ngokwesibonelo, "umkhaya abasha". Ngaphansi kwalolu hlelo, futhi, uphe ukuthenga izindlu. Imibhalo kanye ngetheyiphu eziningi, kodwa awukwazi ukuthola 13, futhi amaphesenti angu-30 noma ngisho 35% (nengane).

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