Mayi oyembekezera kubadwa kwa nyumba yokha

Mayi akubereka ndi njira yothandizira mabanja omwe ali ndi ana. Pulogalamuyi inayamba mu 2007 ndipo idakonzedweratu kuti ikhalepo mpaka 2016, koma idapitirizidwa kufikira 2018. Thandizo likuperekedwa kwa omwe anabereka kapena kulandira mwana wachiwiri kapena wotsatira. Kuti alandire ndalama zazikulu zobereka, banja liyenera kukhala ndi zifukwa zambiri, lingagwiritsidwe ntchito pazinthu zina. Chofunika kwambiri pa izi ndikumanga nyumba, kumanga kumaphatikizidwanso pano. Anthu ambiri ali ndi mafunso angapo pa mutu uwu. Choncho, ndi bwino kupeza momwe zingathere kukwanitsa kubereka ndalama za kumayi pomanga nyumba, kuphatikizapo mphamvu zake. Muyenera kulingalira zina mwa maonekedwe omwe angakuthandizeni kumvetsa nkhaniyi. Ndipotu, zinali zotheka kugwiritsa ntchito chithandizochi pokhapokha pa ntchito ndi makampani opanga makampani, koma izi zowonjezera ndalama. Kwa ambiri, kupanga chilichonse ndi manja anu ndi njira yabwino kwambiri.

Zopangira Zambiri

Pofuna kugwiritsira ntchito likulu lakumayi kumanga nyumba, muyenera kukhala ndi malo. Thandizo la kugula kwake silingagwiritsidwe ntchito. Kugwiritsa ntchito kalata yomanga kudzaloledwa, ngati ntchito ikatha, zinthu zidzasintha bwino (chiwerengero cha mamita asanu pa munthu aliyense chidzakhalapo).

Kulembera ku Ngongole ya Pension ayenera kukhala pamene mwanayo akufika zaka zitatu. Posakhalitsa nkofunika kusamalira zikalata ndi makope awo:

• zolemba pamtunda (mgulitsa, kugulitsa, mphatso, chiphaso cha umwini);
• chilolezo chomanga;
• kugwiritsa ntchito ndi pasipoti ya munthu amene akulemba;
• chitsimikizo cholembedwa kuti nyumbayi idzalembedwanso ngati katundu wamba.

Pasanathe mwezi umodzi, padzakhala chisankho chololeza kumanga kapena kukana. Pachiyambi choyamba, mukhoza kuyembekezera 50% ya ndalamazo pa akaunti. Gawo lachiwiri likulipidwa kwa theka la chaka, ngati likutsimikiziridwa kuti ntchito yayamba kale. Kuti mulandire ndalamazi, Ndalama ya Pensheni imafuna kuti pali kale maziko ndi makoma, nthawizina denga.

Zithunzi zina

Ambiri akudandaula za momwe angagwiritsire ntchito ndalama zakumayi kumanga nyumba, ngati mwanayo asanakwanitse zaka zitatu, ndipo palifunika kukonzanso nyumba. Mukhoza kugwiritsira ntchito ndalama zanu, kusunga mapepala otsimikizira malipiro. Ndiyetu ndikuyenera kupempha ndalama.

Komanso nkoyenera kukumbukira kuti mwayi woterewu, monga kugwiritsa ntchito chiwongoladzanja chakumanga kwa dacha, sichiperekedwa.