Kwantar da gidan hanya ce ta zartarwa wacce ta hanyar bayar da umarnin sayar da kadarorin da aka sanya su cikin jingina saboda sabawar bashin abubuwan da aka lamunce musu da lamunin jingina. Iya samar da sakamako maras so a cikin waɗanda abin ya shafa kuma har zuwa ma'anar cewa za su iya rasa gidan wanda shine abin wannan aikin. Kasancewa tsari ne wanda ya zama gama gari a lokacin rikicin tattalin arziki a Spain.
Daga wannan yanayin na tsakiya, zai zama dole ayi la'akari da cewa a cikin watanni masu zuwa za'a sami sabon kari a farashin rance don siyan gida, bisa ga binciken Bankin Spain. Inda aka nuna cewa sha'awar da ake amfani da ita a matakan Satumba na 2015 bayan ya yi tsada na watanni takwas a jere. Wannan a aikace yana nufin cewa masu amfani zasuyi babban ƙoƙari na kuɗi lokacin siyan kadara kuma haɗarin rashin biyan zai zama mai girma.
A lokacin da jinginar kudi mai saurin canzawa sun kara kudin ruwa da wasu kaso goma daga cikin dari idan aka kwatanta da na shekarun baya. Bayan da kuka kasance a lowshin tarihi na dogon lokaci kuma tare da fa'idodin cewa biyan kuɗin kowane wata zai kasance mafi arha don bukatunku. Yayinda akasin haka, akwai sake dawowa cikin jinginar rarar kudi, waɗanda sune waɗanda ke kula da ƙimar riba ɗaya a duk tsawon rayuwar rancen. Duk abin da ya faru a kasuwannin kuɗi don haka ta wannan hanyar, mun san kowane lokaci abin da za mu biya tare da aiki da waɗannan halayen.
Karkatar da kwangila: Magani
Ofaya daga cikin maɓallan don rashin kaiwa ga wannan yanayi mara dadi ya dogara da bin ƙa'idodin bayan ƙaddamar da lamunin lamuni. A mafi yawan lokuta yana bunkasa ta wannan hanyar, amma a wasu ba zai iya zama ba fuskantar wadannan kudaden Kuma a ƙarshe kun zo ga halin kwatar mulki. Don ƙoƙari kada mu kai ga waɗannan matakan zamu samar da jerin shawarwari don sarrafa jinginar gida daidai kuma cewa ba lallai ne mu ba da wannan samfurin kuɗi don kowane yanayin da zai iya faruwa ba.
Shawara ta farko ita ce kafin neman wannan samfurin don sayen gida, ana nazarin yanayin aikin masu kara. Wannan shine, idan naka yarjejeniyar aiki ba ta da iyaka ko akasin haka, na ɗan lokaci ne ko ma idan an haɗa shi cikin ƙungiyar masu aikin kansu. A lokuta na ƙarshe, zai zama mafi rikitarwa don samun damar bin ka'idojin jinginar gida. Saboda babu tabbacin samun kudin shiga kuma a kowane lokaci wannan yanayin da ba'a buƙata na iya faruwa: rashin iya biyan kuɗin kowane wata.
Bincika albashin albashi
Wani bangare kuma da dole ne a tantance shi daga yanzu shi ne wanda ya shafi aikin aiki. Akwai dokar zinariya da ke cewa ba za ku biya kan jinginar gida ba fiye da 50% akan su. Ba a banza ba zai zama dole a dogara ga bayarwar abinci, na kashin kai, kulawar mota, lissafin gida, inshora, da sauransu. Daga wannan ra'ayi, babu buƙatar hanzarta buƙatar dangane da adadin jingina. Domin a cikin matsakaici da dogon lokaci yana iya haifar da tasirin da ba a iya faɗi ba kuma hakan na iya haifar da yanayin rashin biyan kuɗi a cikin wannan samfurin bankin.
Duk da yake a gefe guda, shekarun babba a cikin kamfanin Wani ɗayan bayanan ne wanda zai zama da mahimmanci a bincika idan zamu iya fuskantar dawowar darajar da aka bayar. Ba daidai bane ga mai amfani wanda ya shigo kamfanin ku fiye da wanda yake aiwatar da ayyukan sa sama da shekaru goma. A wannan ma'anar, yana da matukar mahimmanci a sami rakiyar ƙarfin gwiwa ga kamfanin inda muke haɓaka aikinmu na ƙwarewa. A kowane hali, yawanci galibi ɗayan abubuwan ne wanda yuwuwar da ba a so na jinginar ke faruwa.
Inshorar kwangila don tsoffin abubuwa
Magani ga wannan matsala mai mahimmanci shine biyan kuɗi zuwa manufofin waɗannan halaye kuma hakan yana ba da tabbacin cewa zamu iya biyan shi yayin haɗari ko musamman idan muka rashin aikin yi. A kowane hali, ba zai zama aiki na kyauta ba amma, akasin haka, za mu biya kuɗi kowane wata har sai ya ƙare. Don adadin da za'a lissafta akan adadin mai bashi kuma wannan yawanci baya wuce matakan euro 200 a wata. Samfurin zaɓi ne don masu neman wannan nau'in kuɗin.
Irin wannan inshorar tana da amfani sosai lokacin da ba mu aiki saboda haka ta haka za mu ci gaba da biyan bashin jinginar kowane wata. A cikin wannan yanayin, ya dace sosai don yin rijista idan babu jimla tsaro game da rayuwarmu ta aiki. A cikin kowane hali, dole ne abokin ciniki da kansa ya ɗauka, kada bankin ya sanya shi ba tare da wani sharaɗi ba tunda yana iya yin ƙa'ida a cikin ayyukansu.
Sharuɗɗan biya na tsawon lokaci
Wani maɓallin don kauce wa jawowa cikin yanayi na yau da kullun ya dogara da zaɓar lokacin biyan kuɗi kaɗan. Gaskiya ne cewa a cikin kowane wata za a biya karin kudi, amma na gajeran lokaci. Ta wannan hanyar, a ƙarshe za a biya kuɗi kaɗan a cikin riba saboda haka jingina zai zama mai rahusa. Yayin da yake ɗayan ɗayan, dabara ce mai sauƙi ba haɓaka matsayin bashi a ɓangaren masu neman wannan nau'in samfuran ba. Yana da matukar ban sha'awa ka kalli wannan yanayin kafin ka sanya hannu kan yarjejeniyar.
A gefe guda kuma, gaskiyar zaɓin waɗannan sharuɗɗan biya cikin sauri yana haifar da cewa rashin tabbas ta yadda ba za a iya biyan rancen zai zama ƙasa da ƙasa. Zai zama mafi sauƙi don tsara kuɗin da rancen lamuni zai biya mu. Sakamakon haka, zai zama ƙasa da rikitarwa ba za a biya adadin da ribar da ta dace ba. Daga kowace irin hanya ta masu amfani. Yana da mafi riba koyaushe don yin hayar a lokacin biya na shekaru 15 fiye da wani shekaru 30 ko 35. Inda matsalolin na iya zama babba daga yanzu kuma tabbas hakan zai haifar da ƙarin shakku game da yadda ake fuskantar biyan kuɗi har sai sun biya.
Kwashe ma'aikata
Adadin rajista na takaddun sheda don cire doka da aka fara a cikin rajistar kadarori a cikin rubu'in ƙarshe na 2019 shine 14.669, wanda yake kasa da kwata 6,4% da kuma 2,1% fiye da na wannan kwata na 2018, bisa ga sabon bayanan da Cibiyar Nazarin Nationalididdiga ta (asa (INE) ta bayar dangane da rahoton ƙididdiga game da Tsige Shugaban Kasa (EH). Inda aka nuna cewa a cikin gidajen mutane tare da takunkumi, 1.490 dukiya ce ta yau da kullun (27,4% ƙasa da na wannan kwata na 2018) kuma 528 ba mazaunin masu zama bane (14,8, XNUMX% ƙasa da).
Takunkumin da ake samu na cire gidaje ya kai kashi 50,1% na jimillar kwata-kwata a cikin kwata na ƙarshe na shekarar 2019. 10,2% na jimillar waɗanda aka yi wa gurbatattun gidajen ne na al'ada ga mutane. 36,3% yayi daidai da gidajen masu doka (29,6% ya fi na farkon zangon shekarar 2018) da kashi 3,6% zuwa wasu gidajen na mutane (14,8% ƙasa da na farkon zangon shekarar 2019). A nasu bangaren, sake tallatawa a wasu biranen (wuraren, garaje, ofisoshi, dakunan ajiya, ɗakunan ajiya, gine-ginen zama, sauran gine-gine da amfanin birni) sun kai kashi 37,5% na duka.
Anyi akan sabbin gidaje
Rahoton da Cibiyar Kididdiga ta Kasa (INE) ta gudanar ya tabbatar da cewa kashi 22,9% na dakatar da aikin a lokacin binciken na kan sabbin gidaje ne kuma kashi 77,1% a kan wadanda aka yi amfani da su. Adadin kwangila a kan sababbin gidaje ya ƙaru 49,2% a cikin shekara shekara da kuma na amfani 0,1%. Yayin da a gefe guda kuma, kashi 23,1% na dakatar da aikin da aka fara a kan gidaje a cikin kwata na ƙarshe ya dace da jinginar da aka tsara a 2007, 15,8% zuwa jinginar da aka yi a 2008 da 13,1% zuwa jingina na 2006. Zamanin tsakanin 2005 da 2008 ya kai 59,9% na wadanda aka dakatar da aikin da suka fara wannan kwata.
Rahoton na hukuma ya kuma nuna cewa a halin yanzu al'ummomin da ke da mafi yawan takaddun shaida don kwace gidajen sama da yawan gonakin da aka samu a zangon farko Catalonia (3.169), Valenungiyar Valencian (2.914) da Andalusia (2.172). A nasu bangaren, Comunidad Foral de Navarra (44), País Vasco (55) da La Rioja (62) sun yi rijista mafi ƙarancin lamba. Dangane da gidaje, Catalonia (1.633), Valenungiyar Valencian (1.524) da Andalusia (1.182) sun gabatar da yawan kisa. Kuma a gefe guda, La Rioja (11), Comunidad Foral de Navarra (21) da País Vasco (34) su ne mafi ƙanƙanci a cikin wannan ɓangaren hana cinikin ƙasa.
Inda aka nuna cewa a cikin gidajen mutane tare da takunkumi, 1.490 dukiya ce ta yau da kullun (27,4% ƙasa da na wannan kwata na 2018) kuma 528 ba mazaunin masu zama bane (14,8, 59,9% ƙasa da). Inda kaso XNUMX% na farantarwar gida suka fara wannan zangon sun tattara hankali.