Iyo mogeji chinhu chakakosha chigadzirwa muhupenyu hwevanhu zvekuti haigone kusiiwa kune yekuvandudza. Hazvishamisi kuti mari zhinji iri panjodzi mukusainwa kwechibvumirano ichi. Mari iyo inogona kunyoreswa yakanyanya kwazvo uye isina kana miganho mukupihwa kweiyi chaiyo mutsara wechikwereti. Zvakanaka, chimwe chezvinangwa zvevashandisi verudzi urwu rwechigadzirwa chebhengi kuchengetedza mari yakawanda sezvinobvira. Saka kuti nenzira iyi, kuvhiya uku kunogona kubatsira kubva ikozvino.
Muchigadzirwa chemutengo wakakwira seyechibvumirano chekutenga chikwereti, hazvina kunyanya kuomesa kuchengetedza mari irimo. Iyi midziyo mumubhadharo inogona kuuya kubva muzvikamu zvakasiyana uye inogona kutungamira mukuchengetedza padyo ne 20% mazinga pabhajeti yako yekutanga. Uye uko sezvo huwandu hunodiwa hwakwira, iyo yakakwira ndiyo mari yemari iwe yaunogona kusevha. Mune chero mhando marongero aunogona kuita kubva panguva ino chaiyo.
Kune rimwe divi, iwe haugone nekuti mabhangi anowanzo kuvandudza pamwe nekugara uchiita huwandu hwakawanda hwezvipo uye kukwidziridzwa izvo zvinobvumidza yako kushandisa kuti chibvumirano chemogeji chive chakaderera. Mupfungwa iyi, haugone kumira kuteedzera ino kirasi yezvigadzirwa kuti utenge imba. Zvakawanda uchifunga nezvekuti chikwereti chemogeji chinogona kuve nenguva yekubhadhara iyo inogona kusvika pamakore makumi matatu kana makumi mana. Ndokunge, hupenyu hwese kumberi kwaunotarisira pamubhadharo wemwedzi wega wega.
Kuderedzwa mune iyo mogeji: makomisheni
Zano rekutanga raunofanira kutsvaga panguva ino kuona chikwereti chemogeji chisingabhadharwe kubva kumakomisheni uye nezvimwe mari mukutarisira kwayo uye kugadzirisa. Saka kuti nenzira iyi, unogona kuchengetedza kusvika ku3% pamari inodiwa mukubata kwechigadzirwa ichi chebhangi. Iwe une mukana wakakura wekuti parizvino zvizhinji zvezvikwereti zvemoji zvinotengeswa pasi pehunhu hwakakosha. Nechinangwa chekutanga icho iwe chaunogona kunge uine mari mukutengesa kwayo. Nekuti izvi zviri shure kwezvose zvauri shure.
Chimwe chinhu chaunofanirwa kuve nacho kubva panguva ino zvichienda mberi ndechekuti kuregererwa uku mumitengo kunogona kugadzirwa kubva pachinzvimbo chekuda kweanokumbira mogeji. Sezvo kubva kune izvo zvinonzi zvinopihwa mari yezvikwereti zvinowanzo inoda yakananga kubhadhara kubva pamubhadharo kana kugara uchiwana mari kune vanozvishandira. Sarudzo yakakura yezvigadzirwa zvemari yakarongedzwa izvi. Kunze kwemamwe marudzi ehunyanzvi ekufungisisa akajairwa akafanana mamogeji.
Inopararira pazasi pe1%
Mamiriro azvino mamiriro emitero yemitero akatungamira mamwe masangano emari kushambadza ichi chigadzirwa nemamiriro aya muchibvumirano chavo. Kuburikidza nemakomisheni-emahara mamogeji uye zvimwe zvinoshandiswa mukutarisira kwavo uye kugadzirisa, pamwe nekunyatso kukwikwidza kwakapararira kuri nezve pazasi pe1% mazinga. Semhedzisiro yemamiriro chaiwo eiyo mabenchmark eEuropean, iyo inozivikanwa yeEuribor, iyo inopfuura 90% yezvibvumirano zvemitengo zvinosiyana, maererano neNational Institute of Statistics.
Kuti uwane chikamu cheichi chikumbiro chemogeji, iwe unongoda kubatanidza kune inoshanduka mwero mogeji. Kunyangwe zvisiri zvese zvinopihwa zvinoitirwa kupa aya mamiriro mukuhaya anobatsira kwazvo kune vanonyorera veichi chigadzirwa chebhangi. Kungove mashoma mabhangi uye nenzira chaiyo chaiyo. Nenzira iyi, vashandisi vachakwanisa kuchengetedza mari yakawanda mukuita uku izvo inogona kusvika makore makumi mana. Kuburikidza nehurongwa hwekugara uchibhadharisa mari kusvika panguva yekukura.
Chibvumirano zvimwe zvigadzirwa zvebhangi
Imwe yemaitiro iwe aunayo panguva ino yekuchengetedza mari pamwe nekubvumirana kwechikwereti chemogeji kunoitwa kuburikidza nekondirakiti yezvimwe zvigadzirwa zvebhengi. Semuyenzaniso zvirongwa zvepenjeni, mutual mari, inishuwarenzi kana zvirongwa zvekuchengetedza. Nekuchengetedza kweavo vashoma chegumi muzana muzana pahuwandu hwechikwereti pane mogeji. Kune rimwe divi, iri zano rezvokutengeserana rinosanganisira kuregererwa kwemakomisheni uye nezvimwe zvinoshandiswa mukutarisira nekuchengetedza. Munguva yese yenguva yekusingaperi mune ino yakakosha sosi yemari inogara.
Ichiri kune imwe, hazvigone kukanganwika kuti ino bhonasi system iri kuiswa mune zvirevo zvemabhengi masangano. Sechikamu che hasha kwazvo kuvimbika system mutengi wacho. Icho chigadzirwa chemari chakaitirwa vese vatsva uye vakasimbiswa vatengi. Nenzira dzakasiyana mafomati ayo ayo vanyoreri vanofanirwa kuongorora kuratidza kuti ndeupi muenzaniso wakasarudzika wekuhaya kubva zvino zvichienda mberi. Hazvishamisi kuti ivo vanogona kusarudza pakati pezvisarudzo zvakasiyana siyana zvekubhadhara kutenga imba nyowani.
Chengeta iwo iwoyo pamwedzi mubhadharo
Kana izvo zvaunoda zvisiri kuwedzera kubhadhara kwemwedzi, nzira yakanakisa yekuzviita nekusaina yakatarwa mari yemubhadharo. Pakati pezvimwe zvikonzero nei zvichizadzikiswa usakanganiswa nekuchinja kwemamiriro yeiyo yakafanana kuburikidza nemakore mazhinji mauchange uine ichi chigadzirwa chemari chiri kushanda. Uye chakanyanya kukosha chinhu, chero chii chinoitika mumisika yemari ndechekuti chimwe chezvinhu zvinogona kukanganisa kuwedzera kwemari iwe yaunofanirwa kubhadhara kubva ikozvino.
Kune rimwe divi, ino sisitimu mune real estate mari inokubatsira iwe ku ronga zvirinani uye wega bhajeti kana kujairira kubva zvino zvichienda mberi. Hauzove nemusiyano mubhadharo paakaundi uye zvinokubatsira kuti usazove nekutya kwekupedzisira mumubhadharo uyu wauchazogadzirira kwemakore makumi maviri, makumi matatu kana makumi mana. Ichi ndicho chimwe chezvikonzero nei yakamisikidzwa-ratidziro yemitero iri kuwedzera mumwedzi ichangopfuura, maererano nedata kubva kuNational Institute of Statistics. Mamiriro ezvinhu akange asina kuitika kwenguva yakareba mutsika dzevanonyorera veiyi kirasi yezvigadzirwa zvebhengi.
Wongorora kufarira chaiko kwechigadzirwa
Chii chinofanirwa kunyorerwa nemubati wemogeji pamhepo paanobhadhara zvishoma sezvinobvira pachikwereti ichi? Zvakanaka, zvakafanana neyechinyakare mogeji, uko APR (Yegore Yakaenzana Rate), iri nhamba inofanirwa kuunganidza zvese zvinopinda masangano ezvemari pavanopa chikwereti. Icho chinonyanya kuratidza kuziva mutengo wekushanda. Zvinoenderana nemirau yeBhangi yeSpain, zvinosungirwa kuti masangano ese azivise pamwe chete nemari yemubereko, uye chinangwa chayo kufambisa kuenzanisa pakati pezvikwereti zvakasiyana. Kana bhangi riine komisheni yekuvhura, inozoverengerwa muAPR; kana ichisungirwa, semamiriro ekupa iyo mogeji, ku kutora hupenyu, hurema, kana kusashanda inishuwarenzi uyo ane chinangwa chekuvimbisa kubhangi kudzoserwa kweiyo mogeji, iyo premium ichaunganidzwa zvakare muAPR; kana chikwereti chemubereko chakashandiswa mugore rekutanga chakakwirira, chinozobatanidzwawo muAPR
Ehezve, iwo mutengo (Euribor pamwe musiyano) wakashandiswa unowanikwawo muyero iyi. Naizvozvo, kana tichienzanisa maviri emamogeji kuburikidza neInternet, haufanire kungogara pane musiyano, asi iwe unofanirwa tarisa APR Zvinogona kuitika kuti chikwereti chemba chine kupararira kwakaderera chiri kunyanya kudhura pane icho chine chimbadzo chikuru, kana makomisheni ekutanga ari akakwirira pane echipiri. Izvi ndizvo zvinhu izvo pasina mubvunzo zvaunofanirwa kubhadhara zvakanyanya kutarisisa kune izvo zvinoshandiswa mukubhadhara kwavo.
Iyo Euribor inoderedza muzana yayo
Index yeEuribor, iyo inoshandiswa senzira huru yekumisikidza chimbadzo pazvikwereti zvemamogeji zvakapihwa neSpanish zvikwereti zvikoro, zvakadonha mwedzi wapfuura kusvika -0,134% kubva -0,112% mwedzi wapfuura. Kutora yekupedzisira gumi nemaviri mwedzi sereferenzi, iyo index inonyora kuwedzera kwemapoinzi 0,054. IEuribor inoverengerwa pamwe nedata remasisitendi makuru munzvimbo yeeuro uye ine huwandu hwepakati yenzvimbo yemutero inopihwa nemasangano ekuisa mashandiro emayuro kwenguva yegore. Iyo data yemwedzi waMarch inoratidzawo kuderera, kusvika -0,134%, muyero yemabhangi, iyo yegore rimwe yemabhangi chiyero iyo yakashanda seyepamutemo mareferensi emusika wekutengesa kuti zviitwe zvakaitwa pamberi paNdira 1, 2000.
Kubva munaNovember 1, 2013, iyo Bhanga reSpain rakamira kutsikisa anoshanda mareferenzi reti ekuchengetedza mabhangi -CECA Chiratidziro- uye avhareji mitero yezvikwereti zvemogeji kweanopfuura makore matatu ekuwana dzimba dzemahara kubva kumabhangi uye ekuchengetedza mabhengi ekuchengetedza zvinoenderana nezvazvino. mutemo. Mareferenzi emitengo iyi anozotsiviwa, zvichizobvira kubva mukudzokororwa kunotevera kwemitengo inoshanda, neyekutsiva chiyero kana renongedzo index yakapihwa muchibvumirano.