Mamogeji anoshanda sei?

zvikwereti

Kana paine chigadzirwa chemari chakanyanya kukosha pakati pevashandisi, hachisi chimwe kunze kwekutora chikwereti. Iwo mutsara we mari Iwe uchafanirwa kupfuura kana iwe uchida kutenga imba pasina kuchengetedza. Asi nekuda kwezvikonzero zvakafanana iwe ichabatanidza nhevedzano yemari Kwemakore mazhinji, pamwe zvakanyanyisa. Zvese zviri zviviri maererano nekudzoka kwayo uye zvido uye makomisheni akagadzirwa nezvaanoda. Kusvika padanho rekuti mari yekupedzisira ichave yakakwira kwazvo, uye kwaunoisa mukana wekutadza kutarisana nemubhadharo uyu nekuda kwematambudziko mune mari yaunowana mwedzi wega wega kutora kondirakiti yemamwe mamogeji ayo masangano emari tengesa.

Kubva pane ino mamiriro ese, data razvino kubva kuNational Statistics Institute (INE) rakajeka kwazvo mupfungwa yekudzoserwa mukuda kwayo nevashandisi. Nekuti zvirikuitika, zvinova pachena kuti iyo avhareji huwandu yeiyo mogeji yakanyoreswa mumazita ezvivakwa munaNovember (kubva kuruzhinji rwemabasa akaitwa kare) ndeye 145.769 euros, zvinoreva kuti 15,1% yakakwira kupfuura nguva yakafanana gore rapfuura. Mukukwira kumusoro mumwedzi ichangopfuura, semhedzisiro yekudzoka kwehupfumi munyika medu. Uye izvo saka zvakaendeswawo kune iyo mogeji chikamu.

Kune rimwe divi, iyo yazvino data yepamutemo inoratidzawo kuti huwandu hwezvikwereti zvakagadzirwa mudzimba zviri 24.882, 3,7% pasi pegore ra2016. Mari yepakati ndeye 122.703 euros, uye nekuwedzera kwegore kwe10,7%. Nezve kukosha kwemari dzezvikwereti zvakavakirwa pamadhorobha zvivakwa, yakasvika mamirioni e4.844,0 euros, 14,8% yakawanda kupfuura mugore rapfuura. Mudzimba, iyo Yakakweretwa capital inomira pamamirioni 3.053,1, pamwe nekuwedzera kwegore rega kwe6,7%.

Moge mubereko

Zvezvikwereti zvakavakirwa pane hwese hwezvivakwa, avhareji yemari yemubereko pakutanga ndeye 2,77% (8,0% yakaderera pane muna 2016) uye avhareji term yemakore makumi maviri nemaviri. Kune rimwe divi, 22% yezvikwereti zvemari zviri pamutengo wakasiyana wemari uye 65,9% pachiyero chakamisikidzwa. Rudzi rwe avhareji kufarira pakutanga iri 2,44% yemitero inoshanduka (17,1% yakaderera pane muna 2016) uye 3,63% yemitero yakweretwa (12,7% yakakwira).

Nezve mamogeji mudzimba, avhareji yemari yekufarira ndeye 2,71% (14,3% yakaderera pane munaNovember 2016) uye avhareji term makore makumi maviri nemana. 24% yezvikwereti zvemumba zviri pamwero wakasiyana uye 63,5% pachiyero chakatarwa. Fixed-rate mogeji yakawana 36,5% kudzikira pamutengo wegore. Ivhareji yemari yemubereko pakutanga ndeye 6,5% yemitero inowirirana yemumba (ine kuderera kwe2,54%) uye 19,4% yemitero yakatarwa (3,10% pazasi).

Mitero yemitero inoita sei?

Chimwe chinhu chaunofanirwa kuongorora kubva zvino zvichienda ndechekuti kukwira kwemitero kunogona kukukanganisa sei. Zvakanaka, mune ino pfungwa zvese zvinoenderana nekuti iwe wakashandira here shanduko kana yakatarwa chiyero. Kana iri yekupedzisira, haufanire kutya chero kuwedzerwa kwemari yemwedzi nekuti haizokanganisike nesangano iri. Iwe uchagara uchifanira kubhadhara zvakafanana, chero chii chinoitika mumisika yemari. Hazvishamisi kuti ichi ndicho chimwe cheakanakisa mabhenefiti eakagadziriswa. Kuti iwe uchagara uchiziva kuti ndeipi iyo mari iyo iwe yaunofanirwa kubhadhara kune ayo maitiro.

Imwe nyaya yakatosiyana ndeyeyemitengo yemari inoshanduka, inova nehanya chaizvo neshanduko mune zvinoitika. Ndokunge, kune zvinokwanisika kuwedzera muzvibereko. Nekuti kuwedzera kweimwe muzana poindi mubenchmark yeEuropean, iyo Euribor, zvinogona kureva kuwedzera kwemutengo wemari yekukwirisa pane yawakabhadhara kare. Sezvo kuwedzera kuri kuwedzera, iyo mari pane yako mogeji ichawedzera. Mukuenzana nekusimba kwayo.

Ndeupi mhando wakakodzera kwazvo?

chibvumirano

Mune izvi zvakajairika kuti nderupi rudzi rwechikwereti chiri nani kuhaya kuti udzivirire zvaunofarira. Kana pamwero unoshanduka kana pane zvinopesana wakagadziriswa. Zvakanaka, ikozvino, yekutanga inotonyanya kubatsira. Chikonzero chikuru ndechekuti chiratidzo chebenchmark icho chakabatanidzwa, iyo Euribor, iri padanho repasi pane ese akateedzana nhoroondo. Nekuti zvirikuitika, iri mune yakashata mamiriro, chaizvo pa 0,163%. Nenzira iyi, iyo inokutendera iwe kusevha mari yakawanda uchienzaniswa nemamwe maitiro. Nekuti pamusoro pezvose iwe unenge uine mari inodhura pamwedzi yekugadzirisa zvakakwana bhajeti rako regore.

Semhedzisiro yemamiriro ezvinhu mumisika yemari, hazvishamise kuti masangano ezvemari atangisa zvipo zvavo zvakanaka pazvitoro zvavari kutengesa izvozvi. Kunyangwe mune mamwe acho, ine inopararira pazasi pe1%. Nzira yekutora imba yako inotevera kuitwe pamwe nekugadziridzwa kukuru mumashandisirwo. Nekuti ivo zvakare vanowanzo kusunungurwa kubva kumakomisheni uye zvimwe zvinoshandiswa mukutarisira kwavo kana kugadzirisa. Semipiro mikuru yezvikwereti zvegeji panguva ino.

Ngozi mukuhaya kwako

ngozi

Zvisinei, iwe unofanirwa kuongorora kuti iyi mamiriro haigare nekusingaperi, kure nazvo. Nekuti iwe unofanirwa kufanofungidzira kuti pane imwe nguva kana imwe mari yechikwereti ichakwira uye iri njodzi yaunofanirwa kufungidzira mukirasi ino yezvigadzirwa zvemari. Hazvishamisi kuti, vemunharaunda vane masimba emari vakatofambira mberi kuti chiitiko ichi chichaitika pakupera kwegore rino kana pamwe mune yakaipisisa muna 2019. Chero zvazvingava, usakahadzika kuti ino nguva ichauya. Neiko

Kana aya ari mamiriro emakore anotevera, usakahadzika kuti yemwedzi kubhadhara kwako mogeji kuchanyanyisa kudhura kudzamara mazinga asvika nekukwira kwezvibereko. Izvo hazvizoite sepakutanga uye uchafanirwa kutsaurira a kuedza kukuru kwemari kuchengetedza iyo mogeji kiredhiti yekutenga kweimba yako. Mhedzisiro huru yechiitiko ichi ndeyekuti mutengo wekupedzisira wekutenga ichi chigadzirwa chemari unenge wakakwira zvakanyanya kupfuura pakutanga zvaitarisirwa. Izvo zvichave, nekudaro, kuve kusakosha kwekuremekedza zvine chekuita nezvikwereti zvinotorwa padanho rakatarwa. Usakanganwe kubva zvino zvichienda mberi kana uchizonyorera mumazuva mashoma anotevera.

Yakagadziriswa mwero wekubhadhara mutero

Aya maitiro emamogeji, pane zvinopesana, anotendera iwe kuti usave nechero rudzi rwezvishamiso panguva yenguva yechibvumirano. Nekuti icharamba isina kuchinjika muzvikamu zvayo, chero chii chinoitika mumisika yemari. Nenzira iyi, iwe unenge wakadzikama zvikuru pamberi pekuti vangangoita wedzera mari yemwedzi yeweji yako. Nekudaro, kana iwe ukahaya iyo kana kuwedzera kwacho kwatoitika, hapana mubvunzo kuti zvinokanganisawo chiero chemubereko icho zvikwereti zvikwereti zvinoshanda kwauri. Mukuenzana nekusimba kwekukwira.

Kune rimwe divi, kusaina yakamisikidzwa-chiyero chemoji kunogona kukubatsira iwe kuti urege kuwedzera kusingaenzaniswi mukubhadhara kwako mwedzi wega. Izvo zvinoitirwa chimiro chakanyatso tsanangurwa mushandisi chimiro icho tsvaga kuchengetedzeka pamusoro pedzimwe nzira dzine hukasha. Mupfungwa iyi, inogona kunge iri mhinduro chaiyo kune inokwanisika chiyero chakakwidzwa icho chinoziviswa nenharaunda dzemari dzemari. Kusvika padanho rekuti iwe unogona kusevha akawanda ma euro mukuita kwayo kurongeka. Nekuti hauzove nekushamisika kwakashata chero nguva panguva yeiyo mogeji.

Chinja mugejimendi muitiro

mamiriro

Chero zvazvingaitika, iyo yazvino data kubva kuNational Institute of Statistics inoratidza yakakosha kuendesa kweanokweretesa mwero unoshanduka kuenda pane yakatarwa chiyero. Chimiro icho, kune rumwe rutivi, chakanga chisina kugadzirwa mumakore achangopfuura. Uye mune chero zvazvingaitika, ivo vanonyevera vashandisi nezvekutya kwekuuya kunotevera kwekukwira kwemitengo yemitero. Hazvishamise kuti, ndeimwe yemaitiro avanayo panguva ino ekuzvidzivirira kubva kune ino mamiriro mumisika yemari. Kunze kwechido chinounzwa neichi chigadzirwa chemari.

Ehezve, icho chinhu icho iwe chaunogona kunyorera muchibvumirano chako panguva yekuwana iyo imba kana imba yawaifarira zvakanyanya. Mune zvimwe zvikamu izvo zvichawedzera mumakore mashoma anotevera uye semazuva achatanga kufamba uku, ayo anoonekwa kubva kunhengo dzemari dzeEuropean Union. Asi mune zvakanyanyisa kuitika, zvichaitika kubva gore rinouya 2019. Nguva ichave inesarudzo yekuchinja kosi yeiyi bhenji index.

Kubva mutengo wayo wakashata sezvazvinoitika panguva ino mushure memwedzi yakawanda mumamiriro akafanana. Chimwe chinhu chave kuda kupera uye kubva kune vashandisi izvo parizvino vane yavo mogeji chikwereti pane yakatarwa mwero vanogona kubatsirwa. Nekuti pachave nemazhinji maeuro euros aunoponesa neiyi zano.


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  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
  4. Kutaurirana kwedata
  5. Dhata yekuchengetedza: Dhatabhesi inobatwa neOccentus Networks (EU)
  6. Kodzero: Panguva ipi neipi iwe unogona kudzora, kupora uye kudzima ruzivo rwako