Kufunga pakati peyakagadziriswa kana kusiyanisa mogeji kunogona kunetsa kana tisina chokwadi chekuti tiri kupi. Iri idambudziko revanhu vazhinji kana uchizosaina mogeji, uchifunga pakati peumwe neumwe. Chaizvoizvo, Sarudzo dzese dziri mbiri dzakanaka uye dzakaipa peculiarities, asi zvese zvinoenderana nemamiriro ezvinhu munhu wacho. Chirevo chinogona kupedzisira chave nesimba rakanyanya pachisarudzo ichi chinogona kunge chiri mitemo yezvemari, guta rinowanikwa, uye fungidziro yekuisa njodzi kana kwete.
Kune akawanda mawebhusaiti ayo anotaura nezve zvakanakira nekuipira kwekuwana yakamisikidzwa kana kusiyanisa mogeji. Zvinogona kunge zvichinyonganisa kune vanhu vanonyanya kuve mavara kana zvinoonekwa uye kwete zvakanyanya nezve nhamba. Ndosaka kuda kwechinyorwa ichi kuri kuti, usinga regedze icho chinonyanya kubatsira kana kubudirira, chiunze padhuze neruzhinji uye uite kuti zvinyatsonzwisiswa kuti izvo zvido zvinohwanda kuburikidza nemifananidzo uye mienzaniso. Nenzira iyi, batsira kuona zvinoenderana neprofile yako yaunogona kutora mogeji.
Misiyano mikuru pakati peyakagadziriswa kana kusiyanisa mogeji
Kufunga kuti isu tese tinoziva chii chinonzi mogeji, tichaona mutsauko mukuru pakati peimwe neumwe mogeji.
- Yakagadziriswa mogeji: Kubatsira kwayo kukuru ndekwekuti isu tichadaro ziva kuti chii chikamu chichauya kwatiri mwedzi wega wega kusvikira kupera. Iyo yakatemwa mogeji inochengetedza yakatarwa chimbadzo yemari yemakore iyo ichave ichizoshanda. Saka, kana iri pa3% (semuenzaniso), tinoziva kuti gore rega rega tichazobhadhara 3% yeiyo yakasarudzika kukosha kukosha ("izvo zvasara kubhadharwa"). Ndokunge, kana mushure memakore mana, isu tine 4 euros yakamirira, iro gore rechishanu taizobhadhara 90.000 euros mubereko (2.700% ye3 euros inosara yakamirira). Kuva mubhadharo wakatarwa, bhangi rinowanzo shandisa chimbadzo chakakwira pane chinoshandisirwa mhindu yemubereko
- Variable mogeji: Kubatsira kwaro kukuru ndekwekuti panguva yekusaina, iyo mubereko% iyo ichabhadharwa pamubhadharo unenge wakaderera pane weyakagadziriswa mogeji Nekudaro, iyo inokweretesa mogeji sezita rinoratidza haina kuchengetedza yakatarwa kufariraPane kudaro, ine hukama nereferensi indekisi, mune iyo Spain iyo Euribor. Izvi zvinoreva kuti kana iyo Euribor ikasafamba, kana kuenda pasi, yedu mogeji ichagara kana kudzikira. Kana, kune rumwe rutivi, ikakwira, iyo mubereko% iyo inozoshandiswa kwatiri kana iyo mubereko pane iyo mogeji chikwereti yavandudzwa ichawedzera. Semuenzaniso, isu takapedza gore rapfuura kubhadhara 0'80% mubereko pachikwereti chedu uye isu tasara ne90.000 euros. Kana ikachengetedzwa, gore rinouya tichabhadhara mazana manomwe euros (720% pane iyo 0 euros). Kana ikadonha ne8%, isu taizogara ne90.000% (0'20-0'60 = 0'80) uye isu taizobhadhara 0 euros mukufarira gore rinouya (20% pane iyo 0 euros). Asi, uye izvi ndizvo zvinoodza moyo vanhu, kana ikangoerekana yakwira 60%, gore rinouya isu taizobhadhara 540 euros (uye inogona kuramba ichikwira gore negore).
Iyo yakagadziriswa kana inoshanduka mogeji zvichienderana nenguva
Iyi girafu inoenderana neavhareji chiyero chemari iyo mogeji dzakasainwa mumakore apfuura. Yakagadziriswa mogeji mubhuruu, uye kusiyanisa mogeji mune yero. Iyo data inopihwa neINE, uye webhusaiti yakanaka kwazvo kubva kwaunobvisa iyi data nekurohwa nekuda kwemagrafu ayo epdata.es izvo zvandinokurudzira kune huwandu hweruzivo rwahunopa.
Kudonha muEuribor kwakaperekedza kufarira kwembambo dzekudonha, sezvatinogona kuona mugirafu. Icho chokwadi chekuti chiwero chemari chakasvika pamatanho ari pasi pe 0%, chakasunda vanhu vazhinji kukoshesa kuchengetedzeka kwemari yakatarwa pamusoro peiyo inosiyana. Saizvozvo, Muna 2020, zvimwe zvikwereti zvemari zvakasainwa pamutengo wakatarwa kupfuura pachiyero chakasiyana. Izvo zvakatoita kuti zvive nyore kune vanhu vazhinji kuti vachinje yavo kusiana kune yakatarwa mogeji. Chikonzero chikuru, chekudzivirira kubva pazvinogona kuwedzera mwero wemitero. Kuwedzera kusati kwasvika kana, senzira yekusimudzira mashandisiro uye kuita kuyerera kwechikwereti ndeyekuchengetedza mitengo yakaderera.
Zvinoenderana nemitemo yemari pamitero yezvibereko
Ichokwadi kuti denda rakashandura mafunguro mazhinji ezvehupfumi, asi kana tikatarisa pane zvakapfuura uye nzira huru dzekusimudzira hupfumi kuburikidza neECB, mitengo yezvibereko haifanire kunge yakakwira zvakanyanya, mudiki nepakati nepakati. Izvi zvinoreva kuti zvingave zvinonyanya kunakidza kubhadhara mogeji ine chinowirirana kufarira, kunyanya kana chiri chemakore mashoma. Zvisinei, iyo yakareba zvazviri, zvinonyanya kururamisa zvingave kutora mwero wakatarwa kuti udzivirire kubva pazvinogona kuitika chiwero chekuwedzera.
Chimwe chinhu chatinofanira kusarudza chinzvimbo chedu uye njodzi yatinogona kutora (mune zvemari uye nemanzwiro), kubvira musiyano we1% unoreva zviuru zveeuros mumakore ese echikwereti. Uye zvakare, zvinofanirwa kuyeukwa kuti pakutanga ndipo panobhadharwa huwandu hwesimba. Sezvo makore anoenda uye achigadziriswa, iyo kufarira inoderera zvakaenzana neguru rakapihwa mutsamba imwe neimwe.
Maererano neguta guru rinowanikwa kumutengi
Isu tinofungidzira kuti isu tine mutengi ane mari zhinji kupfuura yaanopa. Kana zvikaitika zvekuwedzera, mari inogona kugara ichifambira mberi. Panguva ino, uye muchiitiko chekuti kufarira kuri kuramba kuchidonha, kana kuwedzera, asi zvishoma chete, unogona kusarudza kusashandisa iro guru. Kunyangwe zvaunofarira zvinogona kunge zviri zvekudyara, izvo zvingave zvinonakidza sekureba sekunge zvichikupa iwe kudzoka kwakakwirira pane mari yawakaisa pane iyo kufarira iwe yaunobhadhara pane yako mogeji.
Iko kupihwa kwemari kunogona kupa inishuwarenzi pakurwisa kukwira zvakare. Kana iwe uine mari isingashandiswi, uye huwandu hwechimbadzo hwechinjika yembageji unokwira zvakanyanya, chaisazove zano rakaipa kuisa chikamu chemukuru wechikoro.
Chimwe chiitiko chingave icho chemunhu anoda kuve nemabatiro emari dzavanoshandisa, uye izvo pasi pechengetedzo yekuziva pachine nguva zvavachazobhadhara. Nenzira iyi, yakatarwa mogeji ichava sarudzo yakanaka.
Mamiriro ezvinhu emamiriro ekuita njodzi
Kana tiri vanhu njodzi-inodzivisa, yakatarwa-reti mogeji ingangove yakanyanya kunaka sarudzo. Kunyanya kana isu tichiona nhau paterevhizheni kuti zviyero zvemari zvichakwira, uye zviri kuzokanganisa mogeji dzinotaurwa kuEuribor. Mukupesana, kana nhau dzakadai dzisingatikonzere kutya, uye isu tichifunga kuti kucheka kweramangwana muEuribor kunogona kuitika uye zvotinakira isu muzvitoro zvedu, iyo kusiana ingave iri nani sarudzo. Pamusoro pekuve muzana yakaderera pane avhareji panguva yekusaina.