Kufanele I ukuthenga indawo manje? Ingabe kunengqondo ukuba ukuthenga indawo e-Ukraine noma eCrimea?

Ingabe kunengqondo ukuthenga indawo? Yiqiniso, lo mbuzo njalo efanele, kusukela isitsha sakhe siqu isikhala ephilayo lomuntu - yisimo zibalulekile ukuze kube nokuphila komkhaya okujabulisayo.

Umbuzo noma ngabe ukuthenga indawo manje, kubaluleke eliyisisekelo kulabo ucabangela ingcebo njengendlela yokutshala imali inzuzo. Ngandlela-thile, kodwa ngokuqinisekile akakwazi ukuphendula, ngoba namuhla kukhona kokubili pluses kanye minuses sokwenziwe ezinjalo.

Ijubane ukwakhiwa phansi, enithi liyaphuma

Kumelwe kugcizelelwe ukuthi ngokuvamile amafulethi ezweni lethu onyakeni odlule ukuthi ziwile intengo. Futhi okwamanje ukuphishekela ukuthenga izindlu, okuyinto, ngokusho kongoti, isikhathi esithile liyadingeka ukwenyuka ngenani. Ngamanye amazwi, kugxile embuzweni othi: "Ngingakhuluma ukuthenga manje izindlu" kufanele anikezwe kwezindaba ezinhle. Kungani?

Into wukuthi kulezi zinyanga ezingu-12 ngevolumu ukwakhiwa kuhlelwe yawela yesithathu, okuzokwenza neqhaza ekwandeni ukufunwa square metres.

Ukwehla kwamandla kazwelonke - isici esihle for yokufuna impahla

Akusiyo imfihlo ukuthi labo abaye ukonga imali yabo e-US lwemali, baba sesimweni ezisizayo. Kubo, umbuzo ukuthi ukuthenga indlu manje, kucace njengoba "ngosuku olulodwa." Wonke umuntu uyazi ukuthi amanani izindlu ahlobene ruble, nohlobo lwemali kazwelonke njalo isihlobo ushibhile dollar. Yiqiniso, uma umbhangqwana zeminyaka edlule ekuqongeleleni "green" ukuthenga indawo Kwakuyinselele ngempela, kodwa namuhla ilula kakhulu. Futhi ochwepheshe bathi dollar ngeke zishibha esikhathini esizayo.

Ingabe kunengqondo ukuba ukuthenga ingcebo emadolobheni amakhulu

Kufanele kuqashelwe ukuthi kunenzuzo wamanje ukuthenga izindlu enhloko-dolobha noma namadlelo eduze.

Ikakhulu, i-"okusha eMoscow" ukhula ngokushesha okumangalisayo, okwandisa kwenani labantu, okusho ukuthi akakude ukwanda ukufunwa amafulethi kulezi zindawo. Manje ukuthenga ngomhlangano, amafulethi amabili okulala ezakhiweni ezintsha esifundeni Moscow, ukwazi inzuzo ukuzidayisa eminyakeni embalwa kamuva.

ingcebo ukutshalwa

Mayelana ukuthenga umuzi manje kumele bacabange futhi labo babe dolobha mahhala futhi ngubani akazi lapho kungenziwa etshaliwe. Rouble ezifakwa namuhla engalethi inzuzo eningi, kodwa imali etshaliwe ingcebo, ayoba mancane amathuba okwenza kube kahle. ezindlini zokuhlala ngengqalasizinda evuthiwe uhlale kungenzeka ukuthengisa ngokushesha, kahle, noma intela - ukuthi, futhi, kuzoletha inzuzo enhle.

Kuzuzisa namuhla mortgage obolekisayo

Yiqiniso, abaningi ukhathazekile umbuzo ukuthi ukuthenga manje efulethini mortgage.

Uzokwenza kufanele kuphawulwe ukuthi ingxenye enkulu amabhange manje ekuqaleni "nciphisa" zohlelo mortgage obolekisayo. Futhi ngaphambi le zenzalo kubo zandile kusukela Russian Central Bank ephakanyiswe zenzalo.

Ikakhulu, i-Savings Bank isikhashana wayeka elikhiphe abatshelekayo kuvikelwe efulethini futhi imoto.

Ekucubunguleni umbuzo yini eyokwenzeka loans for zokuhlala, kufanele ugxile esilandelayo: "? Siyoba yini isidingo kubo" Abanye ochwepheshe bakholelwa ukuthi ngenxa yesimo samanje, zenzalo in ruble ongafinyelela uphawu 20%. Ngokwemvelo, usesimweni esifana abafisa bahlele loan eside kuyoba ambalwa. Izimo ezinjalo kwimboni azinzima kangako ungaya kulabo abasebunzimeni esiphuthumayo izimo izindlu ezingcono. Nokho, uzozama athathe loans esikhathini esifishane. Konke lokhu kuzoholela ukwehla ukufunwa izindlu. Kuyosho ukuthini lokhu? Kuphela yokuthi amafulethi kuyoba eshibhile.

Ngesikhathi esifanayo, kwenye ingxenye abahlaziyi wathi ukuthi ruble exchange rate ziyokuwa parallel ukuncipha izindleko uwoyela, eyagcina ukuqala "okokuqandisa" yokwakhiwa kwezindlu emakethe. Ngakho, iziphakamiso buzoba buncane, kodwa intengo in ruble izobanjelwa.

Khipha a mortgage noma cha ukuthatha? Uma amanani izindlu ziyokuwa, ingozi Kusengenzeka. Nokho, uma izohlala isikhathi esithile fixed, emakethe mortgage ngeke ukuthuthukisa. Ngandlela-thile, kodwa ochwepheshe musa batusa ngo nyaka ukungena nesivumelwano sokubolekwa imali ukuthenga izindlu, ngoba ukuba khona ingozi ezinkulu zezimali. Kunoma ikuphi, cishe kokuqina lokucubungula loan nemibandela ukuthengwa ingcebo yibhange.

Ingabe ngidinga ukutshala izakhiwo ezintsha

Izimo zethu zihluke kakhulu efanele kuyinto umbuzo ukuthi ukuthenga manje efulethini isakhiwo? Ngokusho abahlaziyi abaningi, ruble izintengo izakhiwo ezintsha ngeke akhuphuke. ' Kokunye, lokhu kubangelwa yokuthi onjiniyela abaningi kanye nabathengisi isetshenziselwe ukusetha intengo ingcebo e-US kanye zezimali European. Ngaphezu kwalokho, ukwanda amanani libangelwa podorazhaniem zokwakha kanye nezinye izinkonzo ezenziwa onjiniyela. Ngamanye amazwi, izindleko anda kwezimpahla, kanye nezinkampani ukwakhiwa kulokhu ungafuni ukuba bazilethele ukulahlekelwa. Ngakho, izindleko zokwakha izakhiwo ezintsha, ngokwesibalo samagama, namuhla siyefana amanani lapho izinto ezisetshenziswa ngaphansi esigabeni ibe nemizi emibili.

amanani Ephakeme ze ezindlini endlini entsha futhi kwabangela ukwanda intela yemali mortgage, sona sasungula amanye Central Bank.

Noma kunjalo, isidingo izakhiwo ezintsha kwehle insignificantly. Abaningi baba "eyinhloko" ngoba sisesenjalo ezishibhile esigabeni kwezindlu "b / y." Isivumelwane esakhiweni esisha lolumalula ngaphezu into the yesibili emakethe ingcebo. Ngaphezu kwalokho, izakhamuzi Ungakhetha isakhiwo zabo kule ndlu, okuyilona elisebenzayo futhi inzuzo ukuthenga into isigaba "eyinhloko" ingcebo market.

Ngakho, kunengqondo yini ukuthenga indawo esakhiweni amasha ngo-2015? Uma une-spare imali, ufuna ukutshala ke, yebo, yebo. Nokho, kufanele wenziwe caveat ezibalulekile: udinga ukubhekana kuphela konjiniyela okuthembekile noma izinkampani zokwakha ukuthi anganikeza iziqinisekiso yasebhange abalulekile.

Ingabe kunengqondo manje ukutshala egodini

Kule ndaba, Ngithanda ukuxwayisa labo abanentshisekelo lo mbuzo: "Ingabe kufanele ngithenge ifulethi manje indlu elalisanda kwakhiwa?" Lapha kukhona ingozi enkulu ukuthi namandla ezezimali anoma inkampani ukwakhiwa akazange avumele ukuqedela ukwakhiwa indawo yokuhlala. Kunoma ikuphi, udinga ukuthatha izinyathelo zokuphepha ezithile: hlola isivumelwano asenza kunjiniyela ukuqinisekisa nokuhambisana nomthetho obusa ukwakhiwa wabelane. Futhi ungakhohlwa ukuthi le dokhumenti kufanele kubhaliswe ku izakhiwo isimo. Ngaphezu kwalokho, njalo saziso, qiniseka ukuthi idumela yombazi usenza simethembe.

Lokhu kungenziwa ngokusebenzisa ezihlukahlukene ulwazi imithombo, kokubukeza futhi ehlaziya ukusabela kulabo wasebenzisa amasevisi umthuthukisi. Futhi-ke, adinga amakhophi inkampani ukwakhiwa izimvume ukuze kwakhiwe impahla.

amathemba ekhaya ukuthenga eCrimea

Namuhla, amaRashiya amaningi ubonisa isithakazelo esikhulu umbuzo ukuthi ukuthenga indawo namuhla eCrimea. Kunengqondo ukuphetha ngokuthi ngemva enhlonhlweni kwaba "Russian", amathemba impahla wenzuzo avulekayo le abanethemba. Le ndawo resort kuze kube manje. Kodwa ungakhohlwa ukuthi YaseCrimea ingcebo market namuhla kudinga utshalomali esingathí sina esenziwe isimo. Okokuqala udinga qualitatively ithuthukise ingqalasizinda esifundeni, owawuzokwenza supply eshibhile materials - kuphela kuleli cala, intengo ezindlini zokuhlala eCrimea uzokwamukeleka. Okwamanje enhlonhlweni eqoshiwe ukwanda ukufunwa isigaba izindlu yesibili emakethe. Sinesithakazelo ngokukhethekile kuye, osomabhizinisi Russian libonisa, izinhlelo ukuvula ibhizinisi ehhotela. Ngu amafulethi YaseCrimea kuthiwa ibuke njengoba abamele amabhizinisi naphakathi.

Isimo e-Ukraine

Yiqiniso, hhayi eningi yaseRussia, okuyinto kungaphazamisa umbuzo namuhla mayelana nokuthenga indawo okwamanje e-Ukraine. Kodwa kukhona abanye abantu. Ngakho ...

Akukhona ngenyanga yokuqala Kumelwe ngivume ukuthi emakethe ingcebo kuleli lizwe is bengahlushwa izikhathi ezingcono. Sales amavolumu asewile esiphansi, isimo esishubile futhi isimo esibucayi emnothweni abe nomthelela omubi ngendlela.

Kufanele kuqashelwe ukuthi ochwepheshe baxwayisa Ukrainian Thenga izindlu izakhiwo ezintsha, njengoba onjiniyela zendawo bekwi ukwakhiwa zabo, njengoba besho, ngamandla akhe onke zokugcina. Njengoba izinhloso isigaba emakethe yezindlu yesibili namuhla, abaningi abahlali Kiev abafuna ukuthengisa ezindlini zabo ngamanani aphansi, ngoba "ukusikhohlisa" emakethe uyobusa isikhathi eside. A isikhundla uhola ngokwemibandela yokuthengisa manje hlala Kiev, Dnipropetrovsk, Kharkiv, Odesa esifundeni.

Abanye unesithakazelo lo mbuzo: "Ingabe kufanele ngithenge ifulethi okwamanje e-Ukraine» Kufanele kuqashelwe ukuthi ukufunwa izindawo zokuhlala phakathi edolobheni Ukrainian yehle ngo ngokuphindwe kathathu. Okwamanje ethengiswe ngenyanga edlule futhi ithengiswe izinto amathathu namashumi kuphela. Ngokusho abahlaziyi, ukuthenga indawo kwasekuqaleni, labo babe ukonga izimali zakwamanye amazwe. Ngakho-ke, kuniketa ngokwakho ithuba lokwenza ukulethwa kwezindlu ukuze iqashwe.