Mukamva mawu oti “zotsika mtengo,” chinthu choyamba chimene chimabwera m’maganizo ndi chiyani? Kodi ndi chinthu chotsika mtengo? Chinachake chopanda ndalama? Kapena ndi chinthu chomwe mungakwanitse?
Njira zotsika mtengo zomwe zingathe kugulidwa. Ndi chinthu chomwe mungagule kapena kulipira popanda kuwononga chikwama chanu. Ndi zotsika mtengo popanda zotsika mtengo.
Tiyeni tione tanthauzo lake ndi zitsanzo zina.
Mu positi iyi tikambirana:
Kodi “Kutsika mtengo” Kumatanthauza Chiyani Kwenikweni?
Tikamva mawu akuti “zotsika mtengo,” nthawi zambiri timaganiza za zinthu zotsika mtengo kapena zotsika mtengo. Komabe, tanthauzo lenileni la kugulidwa ndi chinthu chomwe chingathe kuperekedwa popanda kubweretsa mavuto azachuma. Mwa kuyankhula kwina, ndi chinthu chamtengo wapatali ndipo sichidzaphwanya banki.
Malinga ndi dikishonale yachingelezi, mawu akuti “affordable” ndi mawu ofotokoza zinthu zimene munthu angathe kukwanitsa. Izi zikutanthauza kuti mtengo wa chinthucho kapena ntchito sizokwera kwambiri ndipo ungathe kugulidwa popanda kuika chikwama chachikulu m'chikwama.
Zitsanzo za Zogulitsa ndi Ntchito Zotsika mtengo
Nazi zitsanzo za zinthu zotsika mtengo zomwe zimagulidwa kapena kubwereketsa:
- Zovala: Zovala zotsika mtengo zitha kupezeka m'masitolo ambiri, mwa-munthu komanso pa intaneti. Izi zikuphatikizapo zinthu monga t-shirts, jeans, ndi madiresi omwe ali amtengo wapatali ndipo sangawononge ndalama zambiri.
- Chakudya: Kukadyera m'malesitilanti kungakhale kokwera mtengo, koma pali njira zambiri zotsika mtengo zomwe zilipo. Malo odyera zakudya zofulumira, magalimoto onyamula zakudya, ngakhalenso malo ena odyera omwe amakhala pansi amapereka zakudya zotsika mtengo komanso zosawononga ndalama.
- Mabuku: Kugula mabuku kungakhale kokwera mtengo, koma pali njira zambiri zogulira zomwe zilipo. Izi zikuphatikizapo kugula mabuku ogwiritsidwa ntchito, kubwereka mabuku ku laibulale, kapena kugula e-mabuku pa intaneti.
- Nyumba: Nyumba zotsika mtengo ndizoperekedwa kwa anthu osauka. Izi zikuphatikizapo mayunitsi omwe amabwereka kapena kugulidwa pamtengo wotsika kusiyana ndi njira zina zanyumba.
Kufunika kwa Mitengo Yotsika Pabizinesi
Kwa mabizinesi, kupereka mitengo yotsika mtengo ndikofunikira kukopa makasitomala ndikuwonjezera malonda. Posunga mitengo yabwino, mabizinesi amatha kukopa makasitomala ambiri ndikupanga makasitomala okhulupirika.
Kuphatikiza apo, kupereka mitengo yotsika mtengo kungathandize mabizinesi kuti awonekere pamsika wodzaza ndi anthu. Pokhala ndi zosankha zambiri zomwe ogula amapeza, mabizinesi omwe amapereka mitengo yotsika mtengo amatha kukopa makasitomala ndikuwonjezera ndalama zawo.
Nyumba zotsika mtengo ndi nyumba zomwe zimaonedwa kuti ndi zotsika mtengo kwa iwo omwe ali ndi ndalama zapanyumba zapakatikati monga momwe adavotera dziko, State (chigawo), chigawo kapena ma municipalities ndi index yodziwika bwino ya Housing Affordability Index. Ku Australia, gulu la National Affordable Housing Summit Group linapanga matanthauzo awo a nyumba zotsika mtengo monga nyumba zomwe ndi, “…zokwanira moyenerera m’malo a mabanja opeza ndalama zotsika kapena zapakati ndipo sizimawononga ndalama zambiri kotero kuti banja silingathe kukumana. zofunika zina zofunika pamaziko okhazikika." Ku United Kingdom nyumba zotsika mtengo zimaphatikizapo “nyumba zochitira lendi ndi zapakati, zoperekedwa kwa mabanja oyenerera amene zosowa zawo sizikukwaniritsidwa ndi msika. Mabuku ambiri onena za nyumba zotsika mtengo amatanthawuza ku mitundu ingapo yomwe imakhalapo mosalekeza - kuchokera kumalo osungira mwadzidzidzi, kupita ku nyumba zanthawi yochepa, kupita kubwereketsa komwe sikuli misika (yomwe imadziwikanso kuti nyumba zapagulu kapena zothandizidwa), mpaka nyumba zobwereketsa komanso zosakhazikika. ndi kutha ndi umwini wanyumba wotsika mtengo. Lingaliro la kugula nyumba lidafala kwambiri m'ma 1980 ku Europe ndi North America. Mabuku ambiri ochulukirachulukira adapeza kuti ndizovuta. Makamaka, kusintha kwa mfundo zanyumba zaku UK kuchoka panyumba kumafunikira kuwunika kokhudzana ndi msika komwe kungatheke kunatsutsidwa ndi Whitehead (1991). Nkhaniyi ikufotokoza mfundo zomwe zili kumbuyo kwa malingaliro ofunikira ndi kugulidwa ndi njira zomwe zafotokozedwera. Nkhaniyi ikukamba za kukwanitsa kwa nyumba zobwereketsa zomwe zimakhala ndi eni ake komanso zachinsinsi chifukwa nyumba zachitukuko ndi nthawi yapaderadera. Kusankha nyumba ndi kuyankha kuzinthu zovuta kwambiri zachuma, chikhalidwe, komanso malingaliro. Mwachitsanzo, mabanja ena angasankhe kuwononga ndalama zambiri pogula nyumba chifukwa akuona kuti angathe, pamene ena sangasankhe. Ku United States ndi Canada, chitsogozo chovomerezedwa ndi anthu ambiri pakugula nyumba ndi mtengo wanyumba womwe sudutsa 30% ya ndalama zonse zomwe banja limalandira. Pamene mtengo wa mwezi uliwonse wa nyumba uposa 30-35% ya ndalama zapakhomo, ndiye kuti nyumbayo imatengedwa kuti ndi yosatheka kukwanitsa nyumbayo. Kupeza ndalama zogulira nyumba ndizovuta ndipo chida chomwe chimagwiritsidwa ntchito nthawi zambiri ndi ndalama zogulira nyumba chatsutsidwa. Mwachitsanzo, Canada idasinthira ku lamulo la 25% kuchokera pa lamulo la 20% m'ma 1950. M'zaka za m'ma 1980 izi zidasinthidwa ndi lamulo la 30%. India amagwiritsa ntchito lamulo la 40%.
Kutsiliza
Chifukwa chake, zotsika mtengo zikutanthauza kuti mutha kugula china chake popanda kuyika chikwama chachikulu m'chikwama chanu. Ndi njira yabwino yofotokozera zinthu zamtengo wapatali ndi ntchito zomwe anthu amakonda kugula kapena kubwereka.
Chifukwa chake, musaope kugwiritsa ntchito mawu oti "zotsika mtengo" polemba. Zitha kungopangitsa zolemba zanu kukhala zosangalatsa!
Ndine Joost Nusselder, woyambitsa Tools Doctor, content marketer, and dad. Ndimakonda kuyesa zida zatsopano, ndipo pamodzi ndi gulu langa ndakhala ndikupanga zolemba zakuya zamabulogu kuyambira 2016 kuthandiza owerenga okhulupirika ndi zida & malangizo opangira.
