Kuchotsera komwe amakhala

Nyumba zachizolowezi

Chuma chathu mosakayika ndichimodzi mwazinthu zovuta kuzilamulira bwino, ndipo pali mawu ambiri komanso zinthu zambiri zomwe tiyenera kuzifufuza kuti tithe kuwongolera bwino. Koma tiyenera kukumbukira kuti tiyeneranso kutenga malamulo ena ngati cholozera kuti tisamalire bwino ndalama zathu. Munkhaniyi tikambirana za Kuchotsera ndalama zogona.

Malamulowa amawona 5 zochitika zosiyanasiyanaZina mwa izo ndi kupeza kapena kukonzanso malo okhala, monga mfundo yachiwiri yomanga kapena kukulitsa nyumba yomwe mumakhalamo, mfundo yachitatu ndikumaliza, ngati mfundo yachinayi timapeza ntchito za malo osinthira malo okhala olumala; ndipo pamapeto pake titha kupeza ntchito ndi malo osinthira malo okhala anthu olumala. Tiyeni tiwunikire mfundo imodzi ndi imodzi.

Tiziwonetsa kuti mawuwa amangogulira nyumba asanafike Januware 01, 2013, pambuyo pake ilibe msonkho

Kupeza kapena kukonzanso malo okhala

Pamenepa ikani peresenti ya 7,5 peresenti onse mgawo la boma komanso gawo lodziyimira palokha; ndipo kugwiritsidwa ntchito kwa kuchuluka kwa kuchotsaku kumakhala kovomerezeka potengera ndalama zomwe zimalipidwa mchaka, kotero kuti ngongole yomwe idapemphedwa imachotsedwa, komanso ndalama zomwe amalipira ndalama ndi wogula.

Nyumba zachizolowezi

La maziko ochulukirapo zomwe zikugwira ntchitoyi zikufanana ndi 9.040 euros pamwezi; ndipo izi ziyenera kupangidwa ndi ndalama zonse zomwe zalipira cholinga chopeza kapena kukonzanso nyumbayo; Ndalamazo zitha kuphatikizira pakuwerengera kwawo chiwongola dzanja chofananira, komanso mtengo wazida zomwe zaphatikizidwa kuti zitheke chiwopsezo chomwe chimadza chifukwa cha chiwongola dzanja chosiyanasiyana.

Ndalama zomwe ziyenera kuchotsedwa zimagwiritsidwa ntchito pazogwiritsidwa ntchito zonse, kotero ndalama zonse zomwe zingaphatikizidwe zitha kuwonjezeredwa; Izi zikutiuzanso kuti ndalama zochulukirapo zomwe ziyenera kuchotsedwa ndi ndalama imodzi, sitingathe kuchotsera zochulukirapo kuposa zomwe zimaloledwa, ngakhale ndalamazo zitachitika mumaakaunti osiyanasiyana.

Tsopano, pali zina zomwe sizinaganiziridwe mukuchotsedwako, ndipo ndalama zomwe zimachitika pafupipafupi kuti zinthu zakuthupi zizikhala bwino zikuphatikizidwa, ndiye kuti, zinthu monga kujambula sizimalowa kuti zichotsedwe. Ngakhale kusandutsa zinthu zapakhomo sikuyenera kuchotsedwa, zitsanzo zina za izi ndizowotchera kapena zitseko zachitetezo kunyumba.

Kumanga kapena kukulitsa malo okhala

Pakati pa gulu lino titha kuphatikiza kugula nyumba kapena kuwonjezera chimodzimodzi, bola ngati muli ndi mawu otsatirawa.

Nyumba zachizolowezi

Chinthu choyamba ndikumanga kwa Nyumba zachizolowezi. Izi pamene wokhometsa msonkho ndiye amene amakwaniritsa mwachindunji ndalama zomwe zimachokera ku ntchito zomwe zachitika; Kuphatikizanso nthawi zomwe ndalama zimaperekedwa chifukwa cha aliyense amene amalimbikitsa ntchito; koma ziyenera kudziwika kuti izi ndizovomerezeka pokhapokha ngati mawuwa sanapitirire zaka 4, ngati poyambira pomwe ndalama zimayambira.

Gawo lachiwiri loganizira ndi kukulitsa malo okhala, Poterepa tikulankhula za momwe malo okhalamo amakulira; Izi zikuwonetsa kuti ndizovomerezeka ngati tili ndi dimba ndikuganiza zomanga m'deralo. Ndikofunikira kwambiri kuti izi zichitike, masikuwo amawerengedwa, chifukwa pankhaniyi tili okhwima kwambiri pofika kumapeto kwa ntchitoyo komanso kulipira ndalama zomwe zikugwirizana ndi ndalamazi.

Pazifukwa zomwe Nthawi zomalizira ndizofunikira kwambiriNdizosangalatsa kudziwa kuti ngakhale pali tsiku lomalizira lomwe limaperekedwa kuti ntchito zitheke, lamuloli limatsimikiziranso kuti m'milandu yapadera yomwe wokhometsa msonkho sangakhudze, kuwonjezera zaka 4 kungaperekedwe kuti athe kumaliza ntchito. Koma kuti izi zitheke, pempho liyenera kuperekedwa kwa nthumwi za oyang'anira misonkho m'boma.

Kumaliza

M'chigawo chino cha Kuchotsera komwe kumakhala komwe kuli pali zigawo zingapoYoyamba ikuwonetsa kuti zomwe zimafunikira kuwerengetsa ndalama ndi tsiku lomwe katunduyo adalandidwa, komanso ndalama zomwe zidasungidwa kuti athe kupeza malowa zikufunika; pokhudzana ndi kuchuluka kwazachuma ndi 9040 euros. Ndikofunikanso kufotokoza kuti ngati ndalama zathu ndizochuluka kuposa izi, sitingathe kusiyanitsa zaka zikubwerazi.

Zina mwazinthu zomwe zitha kuthana ndi izi titha kuzichita kutchula kuchuluka kwa ndalama zomwe zimayendetsedwa ndi cholinga chokhoza kumanga, kukonzanso kapena kukulitsa malo okhala, izi mosasamala kanthu kuti ndalamazo zimapezeka kudzera muzandalama kapena ngati wina agulitsa ndalama zonse kuyambira pachiyambi.

Tiyeni tsopano tikambirane zina mwazidziwitso zomwe timafunikira kuti tithandizire kuchotsedwapo moyenera. Tiyeni tiyambe ndi nambala yodziwika ya ngongole yobwereka, ngati iyi ndi njira yopezera nyumba yathu. Chifukwa cha izi, ziyenera kukumbukiridwa kuti ngongoleyo iyenera kukhala ndi nambala yodziwitsa, ndipo wokhometsa msonkho ayenera kukhala ndi nambala iyi kuti athe kuyibweza.

Mfundo ina yoyenera kuiganizira ndi kuchuluka komwe kumafanana ndi ngongole yanyumba yomwe yapatsidwa kwa ndalama zogulira nyumba; Izi zikugwira ntchito pamilandu yomwe kugula kunapangidwa ndi gawo lodziyang'anira lokha komanso gawo lolipiridwa ndi bungwe lodziyimira palokha. Ndikofunika kwambiri kuti tidziwe bwino za kuchuluka kwa chiwerengerochi, motere njirazo zidzakhala zophweka ndipo palibe chitsutso chomwe chidzaperekedwa kwa ife tikasankha kuchotsa.

Kuti tithe kuwunika momwe ndalama zichotsedwere, ndikofunikira kuti tiwonetsetse kuti ndi ndalama ziti zomwe zimaperekedwa mwachindunji kwa wopanga mapulogalamu kapena aliyense amene ali ndi udindo womanga. Ndikofunikanso kukumbukira kuti NIF ya wotsatsa kapena aliyense amene ali womanga nyumba.

Kukhazikitsa kapena kusinthira malo okhala okhalamo anthu olumala

Zina mwa ndalama, kapena ndalama, zomwe titha kudziwa ndi zomwe zimachitika kuti zithandizire kuti munthu wolumala azitha kugwiritsa ntchito mokwanira nyumba zawo. Mundawu umaphatikizaponso ndalama zomwe zimayikidwa m'malo wamba amnyumba, kapena panjira yapakati pa famu ndi mseu waukulu wa anthu; Mwanjira imeneyi titha kuwonetseratu kuti ndalama zonsezi zitha kuchotsedwa, koma ndi ndalama zingati zomwe zingatenge?

Nyumba zachizolowezi

Pofuna kulimbikitsa malo amtunduwu kuti aphatikizidwe pagulu, boma lipereka a kuchotsera kwakukulu kwa ma 12080 euros pachaka. Ndalamayi iyenera kupangidwa ndi kuchuluka kwa ndalama zomwe zinagwiritsidwa ntchito panthawi yochita masewera olimbitsa thupi; koma ndalamayi iyenera kukhala yofananira ndi kukwaniritsidwa kwa ntchitoyi, komanso kukhazikitsa komwe kwapangidwa kuti kusinthidwe.

Ndalama zina zomwe titha kuziphatikiza ndi zonse zomwe zimayambira ntchito, ndipo okhometsa misonkho adalipira. Izi zikuphatikiza zovuta monga ndalama zakunja, kuchotsera ndalama, komanso zida zokutetezera chiwongola dzanja chosiyanasiyana. Mosakayikira pali zotheka zambiri pankhaniyi.

Imagwira ntchito yosinthira malo okhala ndi anthu olumala

Tsopano, pali nthawi zina akudwala chilema amakhala ndi munthu yemwe ali ndi udindo wowasamalira, panthawiyi kuchotsera ndalama zanyumba kumaloledwa bola ngati pali kusintha kapena kukhazikitsa kuti athe kuyendetsa kapena kulumikizana kwa munthu yemwe ali ndi chilema.

Ubale womwe umaloledwa pakati Mwini malo ndi olumala Ndiwo ngati ali wokwatirana naye, kapena ngati ali wachibale ndi mzere wowongoka kapena chikole, ngakhale kuyanjana kumaloledwa mpaka pamlingo wachitatu. Mfundo inanso ndikuti, ngati mwiniwakeyo angakhale ndi chilema, ndalama zomwe adapanga kuti akwaniritse zosinthazi kuti zithandizire moyo wake, zitha kuwerengedwanso kuti kuchotsera ntchitoyi.

Pofuna kutsimikizira kuti kusintha kumeneku kwachitika kuti athe kukwaniritsa zosowa za munthu amene wanenedwa, kuyenera kupemphedwa kuti apatsidwe utsogoleri, choncho oyang'anira misonkho akangovomereza zosinthazo, ntchitoyi itha kuchitika kuchotsa. Monga cholemba chomaliza, ziyenera kutchulidwa kuti kuvomerezeka kumalandiridwa kudzera satifiketi kapena kudzera pachisankho chomwe chaperekedwa ndi bungwe loyendetsa ntchito zosamukira komanso ntchito zachitukuko.


Zomwe zili m'nkhaniyi zikutsatira mfundo zathu za malamulo okonzekera. Kuti mufotokoze cholakwika dinani Apa.

Khalani oyamba kuyankha

Siyani ndemanga yanu

Anu email sati lofalitsidwa. Amafuna minda amalembedwa ndi *

*

*

  1. Wotsogolera pazosankhazi: Miguel Ángel Gatón
  2. Cholinga cha deta: Control SPAM, kasamalidwe ka ndemanga.
  3. Kukhazikitsa: Kuvomereza kwanu
  4. Kulumikizana kwa zomwe zafotokozedwazo: Zomwezo siziziwululidwa kwa anthu ena kupatula pakukakamizidwa mwalamulo.
  5. Zosunga: Zosungidwa ndi Occentus Networks (EU)
  6. Ufulu: Nthawi iliyonse mutha kuchepetsa, kuchira ndikuchotsa zidziwitso zanu.