Kuwanikwa kweimba chiitiko chakakosha zvekuti haungakwanise kusiya chero nzvimbo mumaoko ehusina. Kana zvisiri, chichava maitiro anoda kurongeka kwakawanda uye imwe nhanho yekuzvipira. Kusvika padanho rekuti kana iwe ukasanzwisisa chero chikamu chayo, hauzove nesarudzo kunze kwekukumbira masevhisi ehunyanzvi kuti abatsire neayo manejimendi: gweta, chipangamazano wezvivakwa kana maneja. Uine chinangwa chimwe chete uye icho hachisi chimwe kunze kwekugutsa zvinangwa zvekuda kwako. Kufambisa iri basa, tinokupa mazano akareruka pane maitiro auchazotarisana nawo kuti unyatsogadzirisa zviito zvako.
Iwe unozofanirwa kuverenga bhajeti yaunayo yekuvhara mashandiro. Kunyangwe iwe uchifanira kuenda zvakadzika zvishoma uye woongorora kuti uchazoibhadhara sei. Kana iri mari, kuburikidza nechikwereti kana kuburikidza neyepakati mhinduro. Kana iwe ukasarudza chero eiri ekupedzisira mazano, iwe unosungirwa tarisa nebhangi rako. Kwete chete kuenzanisa kana ivo vachizokupa iwe iyo mari. Asi zvakare kusimbisa iyo kufarira iyo yauchazobhadhara, kana iyo yakamisikidzwa kana kusiyanisa chimbadzo chikwereti chiri nani.
Iko kushanduka kweEuribor ichave poindi yekunongedzera kusarudza imwe kana imwe modhi yemari. Parizvino yakamira pa - 0,095%, yakaderera mwero kubvira payakatangwa. uye izvo zvinokubatsira iwe kuti uwane imwe kukwikwidza kufarira. Ino zvakare ichave nguva yekuona kuti yako yekubhadhara nguva ichave iri uye makomisheni ayo ako ekuhaya anosanganisira.
Chechipiri kiyi: sarudza imba
Pane aya ma parameter, iwe unenge watove mune chinzvimbo chekutungamira chako kudiwa uye kuti ndeipi imba yakanakira iwe. Nyowani, yechipiri-ruoko kana kunyange yakachengetedzwa zviri pamutemo dzimba. Uye zvakare, ichave inobatsira zvikuru tarisa nzvimbo yako. Zvichava zvakakosha kuti uve nedhata yakakosha sekupihwa zvikoro, zvipatara, zvitoro zvikuru kana zvifambiso zveruzhinji zvine nzvimbo iyi.
Nzira dzekutengesa dzaunosarudza dzichavawo dzakakosha zvakanyanya. Nekuti zvinoenderana nekuti ivo vanhu vamwe chete, vezvivakwa dzimba kana vanogadzira, unogona kuita imwe kana imwe nzira yekutaurirana. Iko kushanya kwemusha hakuzove chikamu chisina kukosha cheichi chiitiko. Kusvika padanho rekuti zvichadikanwa kuti iwe unyore pasi izvo zviri izvo zvinhu zvaunofarira zvakanyanya uye zvishoma. Yatova nguva yekuita yako yega kupa.
Kubvunza zvese kusahadzika kwauinako. Kubva pane chaicho chimiro uye izvo zvakabatana nekuchengetedza chivakwa kune zvimwe zvakajairika senge izvo zvinoshandiswa munharaunda yenharaunda kana kana iwe uine chitupa chemagetsi. Kana iwe haugone kukanganwa maitiro aungaite iwe imba, kana ichida zvakadzama kugadzirisa kana kungoita mashoma akabata mumakamuri.
Chechitatu kiyi: kusaina zvibvumirano
Chikamu chinotevera chichava nekutora kondirakiti nemutengesi inotsanangura zvakakosha zveimba. Semuenzaniso, kana isina muripo kana maeni anochengetwa. Izvi zvicharatidzawo mutengo wenzvimbo yenharaunda kana nzira yekubhadharira iyo yaucharongedza mashandiro acho. Iwo mamwe emamwe ma zvirimo muchibvumirano chekutengesa imba. Izvo zvakare zvichave zvakakodzera kuti iwe usayine chibvumirano chekuisa. Zvakakosha semabasa acho pachawo, nekuti pakati pezvinhu zvinokubatsira kuchengetedza kodzero dzako semutengi. Uye zvakare, ichashanda kufambisira mberi 10% yekushanda, sechivimbiso chikuru chezvinangwa zvako.
Iyo yekupedzisira nguva inouya apo iwe pauchazoda kusaina zviito pamwe chete nemutengesi uye pamberi peye notary. Ichave iri gwaro repamutemo rinobvumidza kutengeswa kwezvivakwa. Zvinhu zvakakosha zveimba zvichafumurwa, senge rondedzero yaro, mutengo, fomu yekubhadhara kana kugoverwa kwemari. Kubva panguva ino unonakirwa neimba nyowani kuburikidza nemakiyi ayo mutengesi achakupa.
Ini ndinofanira kuisa pasi pechikwereti?
Kuchinja mogeji wakapihwa imwe ine mamiriro ari nani ekubvumirana chinhu chinonzwisisika uye chinotodiwa pakati pevashandisi veichi chigadzirwa chemari. Pamakwereti emabhangi e6.043 ane shanduko mumamiriro avo, 40,7% inokonzerwa neshanduko mumitengo yezvibereko, zvinoenderana neazvino data kubva kuNational Institute of Statistics (INE). Mune izvo zvinoratidza kuti mushure mekushandurwa kwemamiriro ezvinhu, iyo chikamu cheiyo yakatarwa-reti mogeji yakawedzera kubva pa10,2% kusvika pa17,3%, nepo iyo yemisiyano-reti mogeji yakaderera kubva pa89,2% kusvika parizvino 81,9%. Izvi ndizvo zvinodaidzwa kuti mogeji subrogation.
Kubva pane ino mamiriro ese, nhanho yekutanga inofanirwa kutorwa kuisa pasi pechikwereti chemogeji ndeyekuona chigadzirwa chitsva chemari chinosimudzira zvakanyanya mamiriro ekubvumirana eiyo yapfuura. Mupfungwa iyi, kupihwa kwemabhangi kunogutsa chaizvo kana uchitarisa mamodheru ine inopararira pazasi pe1%. Mune mamwe mazwi, chiyero chemubereko chinogona kudzikiswa neinenge imwe muzana poindi maererano nechazvino chikwereti. Uyu mutsauko mukuita wakaenzana nezviuru zvemazana euros zvinogona kuponeswa kubva zvino zvichienda mberi.
Mogeji subrogation
Chimwe chinhu chinenge chakatemerwa kuita kuti chiitiko ichi chive chepamutemo ndechekuongorora kana chibvumirano chiripo chinotakura komisheni yeaya maficha. Huwandu hwayo huri pakati pe0,25% uye 0,75% pachiyero chakasarudzika uye inosanganisira mutengo wakakosha kwazvo unoshandiswa nevashandisi ivo vanofanirwa kufunga kana vachida kuchinja mogeji chero nguva. Kana mari iyi ikasanganisirwa, hakuzovi nesarudzo kunze kwekuita maverengera kuratidza kuti inobhadhara here kana kwete. Nechikonzero ichi, mamiriro akakodzera ekuti aite mashandiro aya ndeyekuti iyo mogeji yakapihwa chibvumirano haibvisirwe mari iyi. Pakati pezvimwe zvikonzero, nekuti icharerutsa maitiro ekukudziridza zvinoenderana nezvinotarisirwa zvinogadzirwa nevashandisi.
Mamogeji akabvumirana
Nhamba ye mogeji dzakavakirwa padzimba Iko 31.018, 9,2% kupfuura muna Kukadzi 2018. Ivhareji yemari iri 123.911 euros, pamwe nekuwedzera kwe2,9%. Ivhareji huwandu hwezvikwereti zvakanyoreswa mumidziyo yemidziyo muna Kukadzi (kubva kuruzhinji rwemabasa akaitwa kare) ndeye 163.487 euros, 21,2% yakakwira kupfuura iwo iwo mwedzi muna 2018.
Chikamu chinotevera cheichi chiitiko, icho chinozoongororwa, chichava chekuona chakasarudzika chiyero cheiyo yekutanga mogeji. Nekuti sezvo iri yechinyakare, mari iyo ichafanirwa kuburitswa ichave yakawanda kana paive ne komisheni yekuberekera. Kusvikira pakuzopedziswa kuti chiito ichi hachina pundutso. Kune rimwe divi, zvichave zvakare zvakafanira kuongorora kudhinda kwakanaka kwechibvumirano kana paine chero rudzi rwechirango chakavanzika chekuita uku kuitisa mogeji.
Mari yekushandisa uku
Kuti uone kana subrogation iri inobatsira, haufanire kungozvimisikidza iwe kune ehunyanzvi maficha eiyo mogeji. Asi pane izvo, pane zvimwewo zvinodhura izvo zvinofanirwa kutarisirwa kubva panguva yekutanga. Ndidzo dzinotorwa ne kurongeka kweiyo nyowani mogeji uye pakati payo iyo notary uye agency agency, kunyoreswa kwepfuma uye kuongororwa kweimba, pakati pezvimwe zvakakosha, kumira. Hazvishamisi kuti idzi dzakabhadharwa dzinogona neimwe nzira kudzima yakanakira mamiriro echipiri egeji.
Kune rimwe divi, chimwe chezviitiko chingamuka ndechekuti mutsauko uripo pakati pemari yakachengetwa semhedzisiro yekudzikiswa kweiyo mogeji uye nemari inoburitswa nehutariri hwayo ishoma. Panyaya iyi, kubatsirwa kwemabasa hakuzopa vimbiso yekuzviita mumazuva anotevera. Kubva pachinzvimbo ichi, hapana mubvunzo kuti mhinduro ine musoro ndeyekuti kutaurirana zvakananga nebhangi mamiriro emamogeji atobvumidzwa. Kana vangowana misoro yavo, ivo vanozoita kuti kuvhiya uku kubatsire kupfuura kana vakaisa pasi.
Kuwanikwa kweimba chiitiko chakakosha zvekuti haungakwanise kusiya chero nzvimbo mumaoko ehusina. Kana zvisiri, chichava chiitiko chinoda kuronga kwakanyanya uye imwe nhanho yekuzvipira.
Ivhareji yemari yemubhadharo pakutanga ndeye 2,32% yemitero inowirirana (1,9% yakaderera pane muna Kukadzi 2018) uye 3,32% yemitero yakatarwa (3,0% yakakwira). Zvemumba mamogeji, avhareji yemari yekuda iri 2,62% (1,1% yakaderera kupfuura Kukadzi 2018) uye avhareji temu ndeye makore makumi maviri nematatu. 23% yemamakigeti epamba ari pamwero wakasiyana uye 58,2% pamutengo wakatarwa. Yakagadziriswa-chiyero chemoji chakasangana neyegore mwero kuwedzera kwe41,8%. Ivhareji yemari yemubhadharo pakutanga ndeye 17,4% yezvikwereti zvemumba pamisha inoyerera (ine kuderera kwe2,37%) uye 4,0% yezvikwereti zvakatarwa (3,05% yakakwira).
El avhareji huwandu yemari inokweretwa yakanyoreswa mumazita ezvivakwa muna Kukadzi (kubva pamabasa eruzhinji akaitwa kare) ndeye 163.487 euros, 21,2% yakakwira kupfuura iwo iwo mwedzi muna 2018. Ivhareji yemari yekufarira pakutanga ndeye 2,37% yezvikwereti zvemumba pamitengo yemisha inowirirana (ne kuderera kwe4,0%) uye 3,05% yeiyo yakatarwa reti mogeji (0,4% yakakwira).