11/02/2023

Maloto okhala ndi nyumba ndi gawo lofunikira kwa anthu ambiri, koma ndikofunikira kudziwa kuchuluka kwa nyumba zomwe mungakwanitse musanayambe ulendowu.Kumvetsetsa momwe ndalama zanu zilili, kulingalira zinthu zosiyanasiyana, ndi kupanga chisankho chodziwikiratu ndizofunikira kwambiri pogula nyumba.Mu bukhu ili lathunthu, tidzakuthandizani kuyankha funso lakuti, "Kodi ndingagule nyumba zingati?"

Kuwunika Mkhalidwe Wanu Wachuma

Musanayambe kusaka m'nyumba, m'pofunika kuyang'anitsitsa momwe ndalama zanu zilili.Nazi zina zofunika kuziganizira:

1. Ndalama

Unikani ndalama zonse za banja lanu, kuphatikizapo malipiro anu, njira zina zopezera ndalama, ndi ndalama za mnzanu ngati kuli kotheka.

2. Ndalama

Werengerani ndalama zomwe mumawononga pamwezi, kuphatikiza mabilu, zogula, zoyendera, inshuwaransi, ndi zina zilizonse zomwe zimabwerezedwa.Musaiwale kuwerengera ndalama mwanzeru.

3. Ngongole

Ganizirani za ngongole zomwe muli nazo, monga mabanki a kirediti kadi, ngongole za ophunzira, ndi ngongole zamagalimoto.Chiŵerengero chanu cha ngongole ndi ndalama ndi chinthu chofunikira kwambiri chomwe obwereketsa amawunika pozindikira kuti ndinu woyenera kubwereketsa ngongole.

4. Kusunga ndi Kulipira Pansi

Dziwani kuchuluka kwa ndalama zomwe mwasunga, makamaka zolipirira pang'ono.Kulipira kwapamwamba kumatha kukhudza mtundu wa ngongole yanyumba komanso chiwongola dzanja chomwe mukuyenerera.

5. Ngongole Score

Ngongole yanu imakhala ndi gawo lalikulu pakuyenereza kubwereketsa komanso chiwongola dzanja.Yang'anani lipoti lanu la ngongole kuti likhale lolondola ndipo yesetsani kukonza ngongole yanu ngati kuli kofunikira.

Kuwerengera Affordability

Mukakhala ndi chithunzithunzi chabwino chachuma chanu, mutha kuwerengera kuchuluka kwa nyumba yomwe mungakwanitse.Chitsogozo chodziwika bwino ndi lamulo la 28/36:

• 28% Lamulo: Ndalama zomwe mumawononga pamwezi (kuphatikiza ngongole yanyumba, misonkho yanyumba, inshuwaransi, ndi chindapusa chilichonse) zisapitirire 28% ya ndalama zomwe mumapeza pamwezi.
• 36% Lamulo: Ngongole zanu zonse (kuphatikiza zogulira nyumba ndi ngongole zina) zisapitirire 36% ya ndalama zomwe mumapeza pamwezi.

Gwiritsani ntchito maperesenti awa kuti muyerekeze kubweza ngongole yanyumba yabwino.Kumbukirani kuti ngakhale kuti malamulowa amapereka ndondomeko yothandiza, ndalama zanu zapadera zimatha kukulolani kusinthasintha.

Mfundo Zowonjezera Zomwe Muyenera Kuziganizira

1. Chiwongola dzanja

Yang'anirani chiwongola dzanja chaposachedwa, chifukwa chikhoza kukhudza kwambiri kubweza kwanu pamwezi.Chiwongola dzanja chochepa chikhoza kuwonjezera mphamvu zanu zogulira.

2. Misonkho ya Inshuwaransi Yanyumba ndi Katundu

Musaiwale kuphatikizirapo ndalamazi powerengera zogula.Zitha kusiyanasiyana malinga ndi malo anu komanso malo omwe mwasankha.

3. Ndalama Zamtsogolo

Ganizirani za ndalama zomwe mungawononge m'tsogolo, monga kukonza, kukonza, ndi ndalama za eni nyumba, posankha bajeti yanu.

4. Emergency Fund

Khalani ndi thumba la ndalama zadzidzidzi kuti mulipirire zinthu zomwe simukuziyembekezera, zomwe zingakuthandizeni kupewa mavuto azachuma.

Njira Yovomerezeratu

Kuti muthe kuwunika molondola kuchuluka kwa nyumba yomwe mungakwanitse, lingalirani zovomerezeka kuti mubwereke ngongole.Izi zikuphatikizapo kupereka zambiri zandalama zanu kwa wobwereketsa yemwe adzayang'anenso ngongole zanu, ndalama zomwe mumapeza, ndi ngongole kuti adziwe kuchuluka kwa ngongole zomwe mungayenerere kulandira.

Kufunsana ndi Mlangizi wa Zachuma

Ngati mukuwona kuti ntchitoyi ndi yovuta kapena muli ndi vuto lazachuma, ndikwanzeru kukaonana ndi mlangizi wazachuma kapena katswiri wazachuma.Atha kukupatsani chitsogozo chaumwini ndikukuthandizani kupanga zosankha mwanzeru.

Mapeto

Kuzindikira kuchuluka kwa nyumba yomwe mungakwanitse ndi gawo lofunikira pakugula nyumba.Zimakhudzanso kuwunika bwino momwe chuma chanu chikuyendera, kuganizira zinthu zosiyanasiyana, komanso kumvetsetsa malire a bajeti yanu.Potsatira malangizo omwe aperekedwa mu bukhuli, kufunafuna chivomerezo chisanadze, ndi kufunafuna upangiri wa akatswiri pakafunika, mutha kupanga chisankho mwanzeru ndikuyamba ulendo wanu waumwini ndi chidaliro.

Ndemanga: Nkhaniyi idasinthidwa ndi AAA LENDINGS;zina mwazithunzi zidatengedwa pa intaneti, pomwe malowa sakuyimiridwa ndipo sangasindikizidwenso popanda chilolezo.Pali zoopsa pamsika ndipo ndalama ziyenera kukhala zosamala.Nkhaniyi sikupanga upangiri wandalama zaumwini, komanso sikuganizira zolinga zazachuma, zachuma kapena zosowa za ogwiritsa ntchito.Ogwiritsa ntchito akuyenera kuganizira ngati malingaliro, malingaliro kapena malingaliro omwe ali pano ali ogwirizana ndi momwe alili.Invest molingana ndi chiopsezo chanu.