Kuvandudzwa kwehupfumi hweSpanish, pamwe nekukura kweGreat Gross Domestic Chigadzirwa (GDP) yakatenderedza 3%, iri kutungamira zvakare kumutsidzira musika wekutengesa zvivakwa. Mhuri dzinowanzo sayina zvikwereti zvavo kuti vawane mari yekutenga kwavo kwemba. Uye kutora mukana wekuti iyo yeEuropean benchmark index, inozivikanwa seEuribor, - kune iyo mizhinji mari inobhadharwa yakabatanidzwa - iri munhoroondo dzakaderera, yakamira pa0,51% pakupera kwegore.
Takatarisana nemamiriro ezvinhu akabatana, hapana vashandisi vashoma vanovhurika kunyorera chikwereti chemogeji mumwedzi iri kuuya. Zvisinei, vanofanira kuziva izvozvo izvi zvigadzirwa zvemabhangi hazvichadzorerwa nemamiriro akafanana ekubvumirana semakore mashoma apfuura. Ivo vakachinja, kana zvisingaite zvakanyanya, kana zvirinani kuti uzvibvunze kuti ivo vangakukanganisa sei mukuita mari imba iyo yawaifarira zvakanyanya, uye iwe uchida kuti ive mune pfuma kuzvisimbisa iwe mairi.
Mamogeji ari kuvandudzwa pasi pekudzikiswa kwezvido zvinoshanda kune vavanodaira. Asi funga kuti maitiro aya haagare kwehupenyu hwese, uye kunyangwe zvishoma nemitemo yekubhadhara iyo zvigadzirwa izvi zviripo, uye chero nguva yako yemwedzi kubhadhara iwe ungakwira. Mupfungwa iyi, haufanire kukanganwa kuti bhanga reEuropean rinoburitsa rinogona kusiyanisa mutemo wayo wezvemari - sezvakaitika muUnited States - uye kucheka tsika yemari yakachipa yemarudzi ese ezvikwereti.
Izvo zvinofanirwa kuyeukwa kuti mitengo yemubereko munharaunda yeeuro iri pazero, izvo zvinobatsira kwazvo kupa mari mune ano mamiriro. Ehezve, mogeji dzinodhura zvishoma, uye semhedzisiro yemaitiro azvino, uchafanirwa kubhadhara zvishoma zvakadzama zvikamu zvemwedzi. Iyi mamiriro mukuita zvinoreva kuti iwe uchachengetedza maeuro mazhinji pagore, uye kuiongorora pamwe nekururama kwayo iwe uchafanirwa chete kushandisa Calculator. Nhau dzakanaka, pasina kupokana, kune zvako zvaunofarira, uye izvo zvinokuunza padhuze nekukurumidza kuita kwechigadzirwa.
Izvo zvinopihwa zvinopihwa nemabhangi
Mari yechikwereti chemogeji yauchazotarisana nayo kubva zvino zvichienda mberi zvachinja zvakanyanya zvichienzaniswa nemakore apfuura. Kwete chete munguva dzakatarwa dzavanopa, asiwo kubva pakuona kwekugadzirwa kwavo nemasangano emari. Hazvishamise kuti kuisirwa kwayo kunozarura iwe zvido zvitsva, uye kunyanya kune imwe nzira yekuenderana nechichi chigadzirwa chinotarisirwa kubhadhara kutenga imba.
Zvichava zvakakosha kuti iwe uzvichengete panguva chaiyo yekusaina kondirakiti, uchitotora mukana wekubvuma zvimwe kuitira kuti mamiriro acho ave anodhura kuzvishuwo zvako kunyorera ichi chigadzirwa chebhangi. Kuenda kunopa mabhonasi kana hukama hwako nesangano hwanyanya, uye nenzira iyi, chengetedza chikamu chidiki chemubhadharo icho chauchazosangana nacho paunenge uchigadzira iyo real estate oparesheni.
Kuti ikubatsire kugadzirira iri basa, muchinyorwa chino unenge uine makiyi ese ekuziva zvakanyanya kuti idzi nzira dzenguva refu dzemari dziri sei. Semhedzisiro yezano iri, Zvichava nyore kwauri kuti uvashandire basa, uchizvichinjira kune zvaunoda iwe uye padanho remari rauinaro parizvino. Asi chakanyanya kukosha ndechekuti zvirinani iwe unenge uine zano rakajeka pamusoro perudzi rwechigadzirwa chauri kuzowana kana iwe uchida kutsigira iyo imba yawakada zvakanyanya rimwe zuva.
Mazuva mapfupi
Mhaka dzekugara nhaka, dzaifungisisa zvakanyanyisa mareti ekubhadhara, dzapera, anosvika pamakore makumi mashanu. Uye kuti vanogona kupfuudzwa kubva kumubereki kuenda kumwana neyakareruka. Parizvino yakadzikiswa zvakanyanya, kazhinji vane muganho wakanyanya mumakore makumi matatu, zvichinyanya kuoma kuidarika. Zvese izvi senge zano rakagadziriswa nemabhangi pachawo kuitira kuti huwandu hwechikwereti chemhuri dzeSpain usakwire, uye zvinoenderana nezvakakurudzirwa neSpanish rinoburitsa bhangi pakupera kwegumi apfuura.
Nemamiriro ezvinhu aya, ikozvino unogona kubhadhara oparesheni nekukurumidza, kunyangwe mudiki, vane mazwi akafanana neaya anowanikwa kuvabereki vavo. Uye kana yako pfungwa yaive yekubhadhara mogeji mumakore makumi mana kana makumi mana nemashanu, kanganwa nezvavo, nekuti panenge pasina bhangi rinotengesa aya makadhi pasi pehunhu uhwu.
Ivo havabhadharise kukosha kwese kweimba
Imwe nzira yekutora mamogeji matsva ndeyekuti zvatove zvakaoma kwavari kuti vape mari zana remutengo wepfuma, sezvakaitwa kare. Iye zvino vanosvika makumi masere kana makumi masere neshanu muzana ekuvhiya, asi zvisingawanzo. Semhedzisiro yeiyi yekutengesa maitiro, iwe unenge usisina sarudzo kunze kwekungopa mari kana iwe uchienda kunogamuchira makiyi eimba nyowani. Kana iwe usina mari yechinangwa ichi, unogona kutanga kuzvigadzirira, nekuti pasina mamiriro aya zvichanyanya kunetsa kuzadzisa zvinangwa.
Uye kana izvo zvaunoda chiri chikwereti chemogeji cheimba yechipiri, mari kubva kumabhangi ichadzikira zvakanyanya. Mupfungwa iyi, ichave ivo vadiki vatengi vanozokuvadzwa mukusiyana kwemamiriro ekubvumirana. Uye kupi kwavanofanira kunge vaine rubatsiro rwevabereki vavo.
Lower kufarira
Nekuda kwemutengo unodhura weEuropean, kufarira kwauchazotora mukuita kwega kwega kwakadzikiswa zvakanyanya. Mukupa kwazvino kuti mabhanga anokudziridza iwe unogona kuwana regeji nechikwereti chakabatana neEuribor padyo ne1%, uye kuti muzviitiko zvakawanda zviri kudzikiswa kukwezva huwandu hwakawanda hwevatengi, uye kumutsiridza iyo real estate chikamu.
Kune izvi zvinowedzerwa zano rekushambadzira rekudzima kana kudzikisa makomisheni anogona kunge achiunzwa neizvi zvigadzirwa zvebhangi (kuvhura, kudzidza, kusarudzira kana kukwana zvachose, nezvimwewo). Pasina kukanganwa kusimba kukuru kwawakapihwa. Hazvisi zvisina maturo, zviri kuwedzera zvakajairika kuti iwe usarudze pakati pechibvumirano chakamisikidzwa kana chimwe chinoshanduka, zvinoenderana nemamiriro emusika, uyezve, chimiro chaunopa mukushandisa kwako.
Vhura kumabhonasi
Asi kana iyo yazvino regeji iri kupihwa inofanirwa kusiyaniswa nehumwe hunhu, hapana chimwe kunze kwe kuvhura kwavo kune zvavanofarira kuchideredzwa. Kuburikidza nemabhonasi anopiwa nemasangano emari, zvinoenderana nedanho rekubatana rauinaro nebhangi. Sezvo iwe uine yakawanda yakanyoresa mabhangi zvigadzirwa (zvepenjeni zvirongwa, inishuwarenzi, mari yekudyara, term dhipoziti ... Uye kusvika pakupedzisira wawana chinokwikwidza chigadzirwa.
Iko hakuna zvakare kushomeka kweamwe mamwe maitiro ane hukasha pane kugadzirisa mamiriro avo uye kuti vanomanikidza iwe kuti ubvumirane nekambani inshuwarisi yekumba, uye kunyangwe mamwe marongero. Neiyi nzira chete ndipo paunozoita kuti ubhadhare mari shoma pane yekutanga yaifungidzirwa mupiro. Kunyangwe ichigara iine mitsara yakatetepa, isina kusvika kune zvakashomeka zvakadzikiswa.
Nemubhadharo usinganetsi
Hongu zvirokwazvoKana iwe uchida kuendesa chikumbiro kuti upiwe chikwereti chemogeji, enda unogadzirira payroll yako (kana kugara uchiwana mari) kumberi. Nehurombo iwe hauzove neimwe mhinduro yekutsigirwa. Asi kudzikiswa kwemihoro yevashandi veSpain kwave kutungamira mabhanga kudzikisira mamiriro avo.
Iwe hauchadi kuburitsa muhoro wakakura kwazvo wemwedzi, asi kubva ku2.000 euros zvichave zvakakwana kuti chako chikumbiro chigamuchirwe. Kune mamwe matunhu - mashoma kwazvo panguva ino - iwo maruva epasi kusvika kumatunhu mazana masere kana chiuru. Uye kubva kupi mileuristas inogona kubatsirwa.
Zvisinei, sezvauri payroll paupamhi, mikana yekuona kuti mogeji ichawedzera zvakanyanya. Kusvika padanho rekuwana zvinonakidza zvinopihwa, uye kubva kwauri kwaunogona kuwana akateedzana ezve zvimwe zvakanaka. Kwete pasina, izvo zviri mumabhangi zvinotevera ndezvekuti iwe unotsigira mashandiro. Zvibvumirano zvakagadzikana zvine sarudzo pane izvo zvehunhu hwekupedzisira. Chaizvoizvo mune yekupedzisira, kuvepo kweanotsigira kuchave kwakakosha kuita kuti chako chikumbiro chigone.
Chero zvazviri, Kana zvisiri, iwe unogona kupa chibvumirano chechigarire, zvichave zvirinani kufunga nezve dzimwe nzira. Inishuwarenzi yemari haigutsikane nemipiro yako uye pakupera kwemaitiro ichapa zvakasarudzika zvakashata. Ichaparadza kunyepedzera kwako, kungave kuzvimiririra, kana nekusiyana kuwana imba iri nani pane yaunogara panguva ino.
Evhangeri yechikwereti chechikwereti
Idzo dzazvino dhata dzakapihwa neNational Statistics Institute (INE) inoratidza kuti mukati memwedzi waGumiguru 2015, huwandu hwezvikwereti zvakatengwa muSpain zvakakwira zvakanyanya. Kunyanya, avhareji huwandu hwezvikwereti zvakanyoreswa mumidziyo yezvivakwa muna Gumiguru (kubva pazviito zveruzhinji) zvaive 139.395 euros, 7,3% yakakwira kupfuura iwo iwo mwedzi muna 2014. Huwandu hwezvikwereti zvakavakirwa padzimba zviri 19.195, 7,1% kupfuura muna Gumiguru. 2014. Ivhareji yemari iri 111.711 euros, kuwedzera kwe10,8%.
90,3% yezvikwereti zvakagadzirwa muna Gumiguru zvinoshandisa huwandu hwenzvimbo, zvichienzaniswa ne9,7% yeiyo yakatarwa chiyero. Euribor ndiyo inonyanya kushandiswa mareferenzi mubumbiro remitemo inoshanduka yemari, kunyanya muna 92,0% yezvibvumirano zvitsva. Ivhareji yemari yemubereko pakutanga kweiyo mogeji yezvivakwa zvese ndeye 3,11%, nepo avhareji term iri makore makumi maviri nerimwe. Ivhareji yemutero, pakutanga, yezvikwereti zvakagadzirwa mudzimba ndeye 21%, 3,30% yakaderera pane yakanyoreswa muna Gumiguru 8,2.