N'zosiyana kubweza

Pa ngongole msika mu zaka zapitazi yatsopano chida - "n'zosiyana kubweza", pulogalamu kuti angapereke pensioners, anthu mwayi zaka kusintha zinthu limene iwo akukhala, chifukwa katundu wawo alipo.

Malinga ndi pangano la n'zosiyana kubweza ina ndi malo ili wobwereka angathe kukhala chuma. Kuona ake, banki amapereka ngongole kwa pazipita zotheka kuchuluka okha. Kenako nyumba wotetezedwa zingagulitsidwe ndi kulipira ngongole. N'zotheka kuti banki sadzakhala zotheka m'njira kupereka ngongoleyo mu utumiki, mu nkhani iyi, akubwera kuthandiza boma - kulipira kusiyana. Kuwonjezera kugulitsa ina malo, palinso zinthu zina za kubweranso kwa oterowo ngongole.

A kubweza n'zosiyana makamaka zogwirizana pa zochepa kwambiri malipiro kapena penshioni, kapena pamene wobwereka alibe ana.

Ogula kukongoza cholinga, kani, zosoŵa za anthu ntchito, zaka. Monga ngongole kwa pensioners, ndi makamaka kudalira chakuti mabungwe ngongole iwo adzapatsidwa, wina mwina asapembedzere. Osanenapo chakuti kubwerera "anabwereka" ndalama pa chiwongola dzanja banki kuti iwo kuposa kovuta.

Koma pa "n'zosiyana" pulogalamu pensioner pali ngakhale kusankha: kapena kulandira ndalama zambiri kamodzi manja ake, kapena kulandira iwo pamwezi (likukhalira zoipa kuwonjezeka penshioni awo).

Bank monga mmodzi wa ophunzira mu uphungu umene amapereka ndalama, ndipo salandira, ndi chifukwa chake imatchedwa mayankho. A kubweza n'zosiyana ndi kusiyana lofunika ku chakale - izo sikutanthauza yokonza chifukwa chidwi accrued ntchito ndalama basi anawonjezera kuti kuchuluka kwa ngongole.

N'zochititsa chidwi kuti, kugwira ntchito imeneyi, mwini akupitiriza moyo mu nyumba yake. Makamaka borrowers ndiotetezedwa ku kulanda wa nyumba ya vuto la ofikira malingana ngati:

• mmodzi wa anthu a m'banja pensioners, kalekale mayina nyumba, komabe moyo;
• wobwereka ndalama zosiyanasiyana malo, kuphatikizapo misonkho inshuwalansi.

Ine ndiyenera kunena izo, kupeza ndalama pa ngongole, ndi pensioner pafupifupi afika ambiri, ngati si mtengo wonse wa chuma cikole. Izi zikutanthauza kuti pambuyo pa nyumba kudzachitika, cholowacho yafupika ndi kangapo mwinanso kutha.

Mwina munthu akukumbutsa n'zosiyana kubweza annuity. Koma musawafulumizitse kuganiza. Pamene moyo annuity munthu wachikulire anasamutsidwa kuti gulu lina kapena munthu ndi ufulu chuma chake chosinthana ndi chithandizo ndi thupi. Pangano loterolo kutanthauza moyo malipiro a ndalama chidwi cha munthu amene amaganiza ntchito izi. Ndipo palibe zodabwitsa kuti anthu okalamba amaopa kuti inachita pangano ndi iwo amadzifunsa kuti m'kupita mofulumira "Zipatalazo" wake.

Pansi chiwembu cha n'zosiyana kubweza banki M'malo mwake, chidwi mmene ndingathere moyo wautali wobwereka ndi: ndi chidwi kukula kuchuluka kwa ngongole. Sitingathe kukusalani chakuti wobwereka kapena mmodzi wa achibale ake, kubwezeretsa ngongole, kubwezeretsa maufulu awo, kuti nyumba ya.

Chiwembu angakhale zambiri kufunika mu bwalo kopanda kwathunthu pensioners ndi nyumba yaing'ono. Nthawi zina, pali zosankha zina kupanga ndalama zina, monga:

• kusinthana kwa nyumbayo, ndi malo ang'onoang'ono,
• lendi nyumba yanu renti pamodzi ndi nyumba zina yobwereka, ndi malo ang'onoang'ono,
• kuthandiza achibale, olandira m'tsogolo, etc.

Ndi boma, ndi zaphindu kubweza, monga akugwiritsa udindo wake kupereka mlingo wa pensioners moyo pa nyumba malonda, zomwe kuwanyamula Komabe, chifukwa cha nyumba, udachita ndi pensioner.