Uma nje ubeka eceleni imali encane njalo ngenyanga, khona-ke amashumi eminyaka azodlula ngaphambi kokuthenga ikhaya. Kodwa uma utshala izimali, kuzoba ngokushesha. Ukuthenga indlu yakho - iningi lethu lokhu kuyinkinga ephuthumayo kakhulu. Kodwa amanani entengo enhloko-dolobha, nakwamanye amadolobha, afinyelele emazingeni aphezulu esibhakabhakeni futhi, ngokusobala, akahlose ukuhla nabo. Abantu abaningi baphendula ngokuthi "kanjani ukuqoqa esikhathini sethu efulethini" ngisho nangamaholo ama-ruble angama-30-40 amawaka ayabonakala engacabangi. Futhi ngisho nemali encane - futhi ayikho into ongayisho. Yiqiniso, uma kutholakala ukuqoqwa kwemali, izinsimbi zendabuko ezifana nokugcina imali ekhaya ngaphansi komatilasi zisetshenzisiwe. Kodwa uma, isibonelo, "kuhilela" izimali zobudlelwane (imali ehlangene) noma idiphozi yasebhange enenzuzo, isithombe siphenduka kakhulu.
Ngakho-ke, ungumphathi ophakathi. Uthola ama-ruble ayizinkulungwane ezingu-42 ngenyanga, eminyakeni yamuva iqoqile inani elincane, kusho amashubhu ayizinkulungwane ezingu-50. Ngengozi eyanele ngokwanele eminyakeni emine, lezi zimali zingashintsha zibe inani elikhulu ngenani elimnandi lama-zero. Into esemqoka ukuthatha isinyathelo sokuqala. Ngokuqhubekayo kuyoba lula.
Ubani ongenzi izingozi ...
Ungathumela imali yakho, kanye nengxenye yengeniso yakho inyanga ngayinye, esikhwameni sokutshala izimali esihlangene. Kungcono ukukhetha "isilinganiso", esibonisa imali engenayo esingaphansi, kepha ayikho phakathi kwabaholi bokukhula (okujwayelekile ngemva kwesikhathi esithile sekuba ngabangaphandle). Izitshalo ezivame ukutshala izimali ezinjalo eminyakeni yamuva cishe cishe ngu-37% ngonyaka. Ngenxa yalolu hlelo, inhloko-dolobha eminyakeni emine iyoba yizigidi ezingu-258 zama ruble (bheka ipuleti). Ngalo mali usuvele ucabanga ngokuthenga indlu yakho.
Ngokuvamile, umphumela ofanayo ungafinyelelwa ngokutshalwa kwezimali esikhwameni sezinkomba (egameni layo, cishe, kuzoqukatha inkulumo ethi "I-Index ye-MICEX"). Noma kunjalo, lezo zimali zihambisana nezingozi ezinkulu, okungukuthi, amathuba okuba abe ngaphansi kunalokho okuhleliwe kukhula. Kodwa ungafinyelela umkhawulo wama-ruble wezigidi ezingu-2 eminyakeni emihlanu, futhi uhlehlisa izinyanga ezingu-10 zama-ruble ayizinkulungwane eziyishumi kuphela.
Mortgage ngaphandle kokugqilazwa.
Okuhlangenwe nakho kubonisa ukuthi yi-ruble ayizinkulungwane eziyi-10 ngenyanga - lokhu kungumthamo ngokukhipha ukuthi uzozizwa ungakhululekile kangakanani. Yiqiniso, ngesikhathi esifushane sokwandisa kungase kube necebo elilungile. Ngendlela enhle endala (imali - ekugcineni imali), ungasindisa kakhulu ekukhokhweni kokuqala kwe-mortgage. Nakuba ukutshalwa kwezimali kwama-ruble angu-10 000 emabhizinisini aphansi (isibonelo, ibhajethi yasebhange ngezinga lentengo ka-12%) eminyakeni emibili kamuva, inhloko-dolobha izokwazi ukwenza ama-ruble angu-260 ayizinkulungwane. Ukuqoqa ama-ruble ayizigidi ezimbili ngale ndlela kuzothatha iminyaka engaphezu kwengu-11.
Ukuthenga indlu yokuhlala, kufanele ugxile ekuqoqeni isitolimende sokuqala. Uma kungu-20% wezindleko zefulethini, ake sithi, kubalulekile ukuqoqa rubles ayizinkulungwane ezingu-400. Ukuqoqwa kwalesi samba ngezinga eliphansi lezingozi kuzothatha iminyaka emithathu.
Enye indlela eqondile yezezimali kubalulekile ukwazi ukuthi unquma ukuthatha imali. Isibonelo, emva kokukhokha inzalo nezindleko ezidingekayo kakhulu kusuka kumholo wakho kuyoba nenani elithile. Kungatshalwa futhi, kuthi, ezimali zokutshala izimali ezithandanayo. Ngomkhiqizo ovuthiwe we-20% eminyakeni emibili, ungathola imali ehloniphekile ukubuyisela ngaphambi kwesikhathi ingxenye yemali mboleko bese usheshisa ukuphuma ekugqilazweni kwasebhange.
Ngakanani engichithayo?
Ukuqoqa kubaluleke kakhulu ukuhlela imali yakho ngendlela efanele, okungenani ezingeni lokulawula izindleko. Isibonelo, ekupheleni konyaka odlule intombazane encane esebenza enkampanini enkulu eNtshonalanga yabuza isazi iseluleko. Wathola ama-ruble ayizinkulungwane ezingu-80 ngenyanga. Ukuze athenge ifulethi emadolobheni, wayengekho ama-ruble ayizigidi ezingu-1.3. Intombazane yayinesiqiniseko sokuthi ngeke isakwazi ukulondoloza lesi samba. Eminyakeni emithathu eyedlule, wakwazi ukuhlehlisa kabusha ama-ruble ayizinkulungwane ezingu-200 kuphela. Kwakukhona ukuthi inkinga yonke iyayichitha. Ngemva kokubala izindleko ezidingekile (ukudla, izingubo, ukuqasha indawo yokuhlala, njll), bahlangana ngokubambisana ukuthi konke lokhu kubiza ama-ruble ayizinkulungwane ezingu-45 ngenyanga. Okunye - ukudoba okuzenzekelayo, okungenzeka kunqabe khona. Kwakukhona ukuthi uma usindisa ama-ruble ayizinkulungwane ezingama-35 ngenyanga, bese kuthi izinkulungwane ezingu-420 zizobuthelela ngonyaka. Eminyakeni emibili uzothola ama-ruble ayizinkulungwane ezingu-840 kanye nama-ruble ayizinkulungwane ezingu-200. ama-ruble we-savings kakade ekhona kakade. Ingqikithi yokuthenga ifulethi ye-ruble ayizigidi ezingu-1.3 izodinga ukubika ama-ruble angu-260 ayizinkulungwane ezinzima kakhulu. Empeleni, bangakwazi ngisho nokuboleka. Ngakho-ke, ungagcina kule ndawo yokuhlala eminyakeni emibili nezinyanga eziyisishiyagalombili. Uma ulondoloza imali kwi-akhawunti yasebhange yediphozi, ungafinyelela umgomo izinyanga ezintathu ngaphambili.
I-arithmetic elula
Unyaka | Isamba sokuqala, gubha. | Ukukhokha nyangazonke, gubha. | Ukuphumelela | Umphumela, thinta. |
2008 | 50,000 | 21,000x12 | 37% | 402,000 |
2009 | 21,000x12 | 37% | 854 000 | |
2010 | 21,000x12 | 37% | 1 506 000 | |
2011 | 21,000x12 | 37% | 2 258 000 |
Uma isifiso sokuthenga indlu likhulu, ngokuqinisekile kuyadingeka ukwandisa isabelomali. Yini okudingeka uyenze lokhu?
1. Ukunika izindleko ngezinhlobo (imikhiqizo, izinkokhelo eziphoqelekile, izingubo, ukuqeqeshwa kwengane, njll) kanye nezihloko.
2. Thola lezo izindleko ezingancishiswa (ukuthenga imikhiqizo ngobuningi noma ukuya eholidini ngenkathi "efile").
3. Gwema izindleko ezingenangqondo nezingafanele (isibonelo, ukuthengwa njalo kwezinto zokucweba).
4. Hlela inani elifanele lokutshalwa kwezimali nyanga zonke, ngokusekelwe kokulinganiselwa kwemali engenayo kanye nezindleko.
Noma kunjalo, umuntu kufanele aqonde ukuthi empeleni kunzima ukusindisa ngokushesha indawo yokuhlala. Lokhu kungenzeka, kodwa kuthatha umzamo omkhulu. Futhi sidinga izisulu ezithile. Kodwa awudingi ukutshala yonke imali onayo kuma-PIFs. Udinga ukushiya imali edijithali yasebhange ukuze ukwazi ukuyihoxisa uma kwenzeka izindleko ezingalindelekile. Kuzokusiza uzizwe uqiniseka ngokwengeziwe. Kodwa iseluleko esiyinhloko: ungagcini yonke imali ngaphansi komatizi. Bavumele basebenzele wena. Futhi iphupho lakho.