Izvo chiitiko cheiyo real estate chikamu mu2019 pasina mubvunzo chichaiswa mucherechedzo wekutora chikwereti icho chiri kutanga kuonekwa panguva ino. Sezvo pane iyo surcharges mumusoro uye kutonga kwedzimba dzekurendesa. Izvo zvichave zvakakosha zvinhu zvekuziva kana iri zvakare yakanaka nguva yekudyara mukuchengetedzeka kwetsika yezvidhinha chikamu muSpanish equities. Mune chiitiko chinozogadziridzwa nekusahadzika kwakawanda nekuda kwemamwe mamiriro muhupfumi hwese.
Kune rimwe divi, iyo haigone kukanganikwa nekuda kwekukosha kwayo kwakakosha kuti kudzikira kwehupfumi hweSpain, iyo inosimbiswa neEuropean Central Bank (ECB), zvimwe inobvisa mweya nezve bubble nyowani, mune iyi kesi zvivakwa. Aya ndiwo mamiriro anomutsa kusahadzika kwakakura pakati pevashoma nepakati varimi. Kunze kwekumwe kufunga kwehunyanzvi mumitengo yemasheya inomiririra ino yakakosha chikamu cheSpanish hupfumi.
Chero zvazviri, isu tinofanirwa zvakare kukurudzira zvimwe zvinhu izvo zvinotipa iyo isinganzwisisike chiratidzo nezve mafambiro eiyo real estate mabasa. Inoitwa kuburikidza nemazano akasiyana siyana uye kubva pakutenga nekutengesa masheya mune chengetedzo yeichi chakakosha chikamu cheSpanish equities kungoisa mari muzvidhinha. Ndokunge, kutenga mafurati nechinangwa chekuita kuti vabatsirwe munzvimbo pfupi pfupi yenguva, munguva pfupi. Pasina kurega dzimwe nzira dzekudyara mune ino mari yemari inozivikanwa kwazvo pakati pevashambadzi vadiki nepakati.
Real estate chikamu: mogeji
Huwandu hwezvikwereti zvakavakirwa mudzimba ndeye 30.356, 20,4% kupfuura muna Gumiguru 2017, maererano neazvino zvakapihwa neNational Institute of Statistics (INE). Mune izvo zvinoratidzwa kuti avhareji huwandu i126.926 euros, iine a 4,6% kuwedzera. Ivhareji huwandu hwezvikwereti zvakanyoreswa mumidziyo yemidziyo muna Gumiguru (kubva pazviito zveruzhinji) ndeye 138.171 5,8 euros, 2017% yakaderera pane iwo iwo mwedzi muna XNUMX.
Nepo kune rimwe divi, imwe yedhata yakakodzera kubva kuINE ndeyekuti kukosha kwezvikwereti zvakagadzirwa mumadhorobha zvivakwa zvinosvika 5.594,4 mamirioni euros, 13,5% kupfuura muna Gumiguru 2017. Mune dzimba, iyo yakakweretwa capital inomira pamamirioni 3.853,0, iine kuwedzera kwegore rega kwe25,9%. Kune rimwe divi, kune zvakare kukanganisa kwekuti mune ino nguva yakaongororwa, kune mamogeji akagadzirwa pane huwandu hwezvivakwa muna Gumiguru, avhareji yemari yemubereko pakutanga ndeye 2,57% (4,3% yakaderera pane yaGumiguru 2017. ) uye avhareji temu yemakore makumi maviri nematatu.
Shanduko muzvikwereti zvegeji
62,4% yezvikwereti zvemari zviri pamutengo wakasiyana wemari uye 37,6% pachiyero chakatarwa. Ivhareji yemari yemubereko pakutanga ndeye 2,35% ye kusiyanisa rate rategeji (3,5% yakaderera pane muna Gumiguru 2017) uye 3,06% yezvikwereti zvakatarwa (9,1% pasi). Kuti pakupedzisira usvike pamhedzisiro yekuti mazana mashanu emakumi mashanu ane makumi mashanu nemashanu ezvikwereti zvine shanduko mumamiriro avo, 5.355% inokonzerwa neshanduro yemitero. Mushure mekushandurwa kwemamiriro ezvinhu, iyo chikamu chemitero yakatarwa yemitero yakawedzera kubva pa46,3% kusvika pa10,0%, nepo iyo yemitengo yemitero yakaderera kubva pa 15,1% kusvika pa88,7%.
IEuribor ndiyo chiyero icho chikamu chepamusoro chehuwandu hwehuwandu hwehuwandu hwezvikwereti hunoreva, zvese kusati kwachinja (76,4%) uye mushure (77,5%). Shure kweiyo nadzurudzo yemamiriro, avhareji yekufarira pane yakatarwa-chiyero chemoji inoderera 1,0 mapoinzi. Variable rate mamogeji zvakare yakadonha 1,0 mapoinzi. Dzese idzi dhata dzinoratidza kuti pane kudiwa kukuru kweichi chakakosha chigadzirwa chemari, ichiri nemutengo wakakwikwidza wemari yekufarira kune zvido zvevashandisi. Kunyangwe paine zviripo zviratidzo zvekutanga zvekukwira kwemitengo mubenchmark yeEuropean, iyo Euribor, iyo yanga ichikwira kwemwedzi yakati wandei mushure mekutengesa munhoroondo dzakaderera.
Renda nepadenga
Imwe yeiyo masisitimu ekudyara inovezwa kuburikidza nekurendesa dzimba, nezvakanyanya mhedzisiro yakanaka yevaridzi vayo. Hazvishamise kuti hazvigone kukanganikwa kuti hutongi hwekutengesa zvivakwa hunobatsira zvikuru uye pamusoro pezvimwe zvinhu zvemari. Mupfungwa iyi, pane data rakakodzera nekuti mutengo wekurenda wakakura zvishoma kudarika 15% mukota yechitatu yegore ra2018. Iyi data muchiitiko inomiririra mutengo wakakwira kwazvo wakasvika mumakore gumi apfuura, ayo anosanganisira nguva iyo dambudziko rehupfumi rakasimukira.
Semhedzisiro yeiyi inokwira maitiro mune rendi, varidzi panguva ino vaizove nepundutso pedyo ne15%. Chikamu icho chero zvazvingava chisingagadzire chero mhando yezvigadzirwa zvemari, kana mune yakatarwa mari kana mune inoshanduka mari Izvo zvakaringana kurangarira kuti hombe zvigadzirwa zvebhengi (yakatarwa-temu dhipoziti, zvisungo kana maakaundi ane mari-zhinji) haatombo pfuudza nhanho dzekutenderera 0,5%. Nekuda kwemutengo unodhura wemari uye izvo zvakatungamira kubhenefiti yayo kuve pane yakaderera nhoroondo kune akati wandei makore ikozvino.
Iko kune njodzi kune real estate bubble?
Kumwe kwekutya kwakanyanya kuti vezvemari nehupfumi vanochengetera inyaya yekuti mumwedzi inotevera kana makore anonyanya kutaurwa nezve real estate bubble inogona kuputika. Mupfungwa iyi, maonero enyanzvi dziri muchikamu ichi anoratidza kuti panguva ino mamiriro ezvinhu haapo kuti ibude kubva zvino zvichienda mberi. Zvirinani munguva pfupi, inova ndiyo inonyanya kufarirwa nevatengesi. Izvo zvinopesana, kana iri kuoneka mumusika wezvidhinha ndeyekuti mutengo wemba wapera kudziya, kunyanya mumaguta makuru eSpain.
Kubva pane ino mamiriro ese, haigone kutongwa kunze asi maonero anoenda neimwe nzira uye anongonyevera nezve njodzi yekuti mutengo wemba uchaenda kukura mwedzi mushure memwedzi. Hazvishamisi kuti pachave nenguva apo maitiro aya achange asina imwe sarudzo kunze kwekuenzanisa. Iri idambudziko chairo riripo muSpain uye kwete kune dzimwe nyika munzvimbo yedu yepamoyo. Icho chinhu icho pasina mubvunzo chinogona kuzopedzisira chakanganisa hunhu hwesangano rekuvaka mune hunyanzvi hwenyika
Kutenga uye kutengeswa kwemafurati
Aya mashandiro dzakura ne13% mugore rapfuura, kunyangwe paine mutsauko mushoma kubva zvino zvichienda mberi. Mupfungwa iyi, zvidzidzo zvakasiyana nemishumo kubva muchikamu zvinoratidza kuti mu2019 mitengo yemba ichakwira, ichibva kubva ku1.650 euros pa square mita iyo parizvino iri kutengeswa kusvika kungangoita 1.800 euros pa square mita. Chero zvazvingaitika, zvinoita sekutadzikira kwakanyanya pane kwakagadzirwa mumakore apfuura Zvino chichafanirwa kuongororwa ndechekuti chiitiko ichi chichaunza shanduko mukutenga nekutengesa dzimba.
Kune rimwe divi, kune zvekare chishuwo chechikamu chakanaka chevashambadziri vadiki nepakati kuti vaise mari yavo mumatura enharaunda yeiyo nyika dzakabatana. Iri rinogona kunge riri zano rakanaka, asi rinotakura njodzi huru uye ndiko kushanduka kwemisika yemari iyi mugore razvino. Iwe haugone kukanganwa kuti iyo Ibex 35 yakadonha ingori pamusoro pe15% mugore rapfuura rekutengesa. Njodzi, nekudaro, dzakatomira padhuze zvekuti unogona kuzvisiira ma euro akawanda munzira.
Kugoverwa kwekugoverwa
Kune rimwe divi, mamwe emakambani akanyorwa anogovera chikamu chakakura pakati pevanogovana, nechikwereti chakatangira pakati pe3% ne6%. Kunge mari yakatarwa uye inovimbiswa gore rega rega, chero chii chinoitika mumisika yemari. Sechirongwa chekutanga chaicho chekugadzira mari yakatarwa mukati meiyo kusiyanisa uye kudzivirira iwo marimendi asina kusimba ekumisikidza anopiwa panguva ino neakasiyana ekuchengetedza uye zvigadzirwa zvekudyara. Iine zano rakaiswa mukati nepakati uye kwenguva yakareba uye iro rakanangidzirwa pachimiro chakanyatso tsanangurwa chevashambadziri: mushandisi anozvidzivirira uyo anoda kuchengetedza kwavo kusevha pane kumwe kufunga.
Zvirinani munguva pfupi, inova ndiyo inonyanya kufarirwa nevatengesi. Izvo zvinopesana, kana iri kuoneka mumusika wezvidhinha ndeyekuti mutengo weimba uri kupisa, kunyanya mumaguta makuru eSpain. Kunze kwekumwe kufunga kwehunyanzvi uye zvakare kubva pakuona kwezvakakosha. Mune chii X-ray yeiyi yakakosha chikamu cheSpanish hupfumi uye imwe yeanodiwa nechikamu chakanaka chevashandisi venyika yedu panguva ino chaiyo.
Aya mashandiro dzakura ne13% mugore rapfuura, kunyangwe paine mutsauko mushoma kubva zvino zvichienda mberi. Mupfungwa iyi, zvidzidzo zvakasiyana nemishumo kubva muchikamu zvinoratidza kuti mu2019 mitengo yemba ichakwira, ichibva kubva ku1.650 euros pa square mita iyo parizvino iri kutengeswa kusvika kungangoita 1.800 euros pa square mita.