Mayi okalamba kumanga nyumba

Ngakhale kuti chiwerengero cha amayi omwe ali ndi amayi oyembekezera amakhala osiyana siyana, cholinga chachikulu cha msonkho umenewu ndi kukonzanso moyo wa makolo omwe ali ndi ana. Monga momwe kuchuluka kwa ndalama zothandizira ndalama pakalipano kuliposa rubles 450,000, mabanja ambiri m'midzi yosiyanasiyana ya Russia amagwiritsa ntchito ndalama izi kuti agule nyumba kapena kumanga nyumba.

Mungathe kuitanitsa chiphaso cha banja ngati aboma akuvomereza ntchito yomwe ikubwera ndi akuluakulu a ndalama za Pension Fund. M'nkhaniyi, tiyesa kumvetsetsa momwe mungagwiritsire ntchito ndalama zanu zakumayi pomanga nyumba yokhalamo, ndipo ndizolemba ziti zomwe zidzafunike pa izi.

Kodi mungagwiritse ntchito bwanji ndalama zakumayi kumanga nyumba?

Pali njira zingapo zomwe mungagwiritsire ntchito ndalamazi, zomwe zingathandize kumanga nyumba yomanga nyumba yonse, yomwe ili:

• kulandira ndalama zokha kumanga nyumbayo;
• chitsogozo cha kuchuluka kwa kholo lalikulu mu gawo lathunthu kapena mbali ina ku akaunti ya kontrakita yemwe adzagwira ntchito yomanga nyumbayo;
• malipiro a ndalama zogwirira nyumba ya nyumba, zomwe zinachitika kale;
• kubwezera ngongole yomwe imatengedwa kuti ikhale yaikulu yamayi ndi cholinga chokumanga nyumba.

Njira iliyonse yotsatila malipiroyi ili ndi zovuta komanso imapereka zikalata zingapo.

Kumanga nyumba popanda ndalama zakumayi

Kuyika ndalama za amayi omwe amamanga nyumba pomanga nyumba, zonse zomwe mukuchita komanso mothandizidwa ndi ambuye, mudzatha kokha pamene mwana wanu, panthawi yomwe akuwonekera kuti apatsidwe chikalata, adzafika pa zaka 36. Pambuyo pake muli ndi ufulu wopita ku Pulezidenti ya Pensheni pogwiritsa ntchito ndalama zogwirira ntchito ndikupatsanso zikalata zotsatirazi:

• zolemba pa kubadwa ndi nzika za mamembala onse;
• udindo walamulo ku malo omanga;
• chilolezo cha zomangamanga pa malo awa;
• udindo wa mwiniwake wam'tsogolo kudzagawana nawo nyumba yonse yokonzedweratu kwa ana onse ang'onoang'ono ndi okwatirana, otsimikiziridwa ndi mlembiyo.

Kuonjezerapo, ngati mukukonzekera kumanga nyumba nokha ndikufuna kulandira ndalama zomanga, muyenera kufotokoza tsatanetsatane wa nkhaniyo kuti mutenge ndalama. Mukamanga kampani, muyenera kulemba mgwirizano pakati pa inu ndi bungwe la zomangamanga, lomwe lidzasonyeze deta yonse yosintha ndalama zomwe mukufuna.

Ngati malemba onse ali mu dongosolo ndipo ntchito yomwe ikubwera ikuvomerezedwa ndi akuluakulu a ndalama za Pension, ndalamazo zidzasamutsidwa ku akaunti yanu pachabe pasanathe miyezi isanu ndi iwiri. Tiyenera kuzindikira kuti panthawi yomwe simungapezeko chiwerengero cha 50% pa chiwerengero cha chiwerengero cha banja.

Gawo lotsalira la akaunti yanu lidzasamutsidwa patangopita miyezi isanu ndi umodzi yokha, pokhapokha ngati siteji yaikulu yomanga idzatha. Kuti mutsimikizire kuti mukuchita ntchito zofunikira, muyenera kuwonjezera kugawira ntchito yofufuza ku nyumba yokhalamo. Ngati, komabe, apempha thandizo kwa makontrakitala ndikupereka zolemba zonse zofunika, ndalama zonse zingagwiritsidwe ntchito panthawi imodzi.

Kodi mungagwiritse ntchito bwanji ngongole kuti mumange nyumba yowunikira amayi?

Pezani ngongole ya ngongole kapena ngongole yokha yomanga nyumba ndi kugwira ntchito kwa kholo lalikulu lomwe mungathe, popanda kuyembekezera tsiku lachitatu la kubadwa kwa mwana wanu. Ngati mukufuna kutaya chiwerengero cha chikhalidwe cha anthu motere, muyenera kulankhulana ndi bungwe la zachuma ndikukwaniritsa mgwirizano wa ngongole, ndikusonyeza cholinga cha ngongole.

Ndi mgwirizano umenewu ndi zolemba zonse zomwe tazitchula pamwambapa, muyenera kubwera ku Pulezidenti ya Pensheni ndikulembera kalata yopempha ndalama zowonjezera ku akaunti ya ndalama kuti mubwezere gawo la ngongole. Ngati ntchitoyo ikuvomerezedwa, ndalama zidzasamutsidwa mu miyezi 1-2.

Kuonjezerapo, pogwiritsa ntchito ndalamazi, mumakhala ndi ufulu wobwezera ngongole yomwe mwatulutsidwa kale, ngati cholinga chokongoletsera chinali kumanga nyumba zogona. Kuti muchite izi, simuyeneranso kuyembekezera kuphedwa kwa mwana wazaka zitatu.