Mumwe wemibvunzo yaunenge uchizvibvunza iwe panguva ino ndeyekuti zviri nyore here kuti iwe unyore chikwereti chemogeji pamutengo wakasiyana kana wakatarwa. Hazvishamise kuti sarudzo iyi inogona kureva kuchengetedza huwandu hwakawanda hwemari. Ichi ndicho chimwe chezvikonzero nei ichifanira kuve chakanyanya kufungisisa kwaunenge usina imwe sarudzo kunze kwekuongorora mwenje nemimvuri yekusarudza imwe kana imwe mhando yemari. Iwe haugone kukanganwa kuti chibvumirano icho ichave nekupera kwenguva refu, kazhinji pakati pemakore makumi maviri nemakumi mana ekuberekwa. Chinhu chisina kutora oparesheni iyi zvishoma sezvo ungazvidemba mumakore anotevera.
Kubva pane akajairika mamiriro, avhareji huwandu hwezvikwereti zvakanyoreswa mumidziyo yezvivakwa munaKurume wegore rino (kubva kuruzhinji rwemabasa akaitwa kare) ndeye 136.794 euros, 1,8% yakakwira kupfuura iwo iwo mwedzi wa2017, maererano neazvino dhata yakapihwa neNational Institute of Statistics (INE). Uye izvo kubva zvino zvichienda vanokwanisa kukupa inopfuura imwechete yekuziva nezvekuti tsika dzevashandisi dzinofamba sei mukirasi yezvigadzirwa yekubhadhara imba.
Iko, muzvikwereti zvakagadzirwa mudzimba, avhareji yemutero ndeye 2,62% (18,7% yakaderera kupfuura Kurume 2017) uye avhareji temu yemakore makumi maviri nemana. 24% yembageji yemba iri pamwero wakasiyana uye 62,2% pamutengo wakatarwa. Yakagadziriswa mwero mogeji yakasangana ne37,8% kudzikira pamutengo wepagore. Ivhareji yemari yemubhadharo pakutanga ndeye 9,9% yezvikwereti zvemubhadharo mudzimba dzinoyangarara (nekuderera kwe2,42%) uye 24,5% yezvikwereti zvakatarwa (3,05% pazasi).
Parizvino musiyano unotungamira
Zvinoenderana neshumo repamutemo rakagadzirwa neNational Institute of Statistics, zvinoratidzwa kuti pamari inosvika mazana mashanu nemakumi manomwe nenomwe nemakumi mana emari nemashanduko emamiriro avo, 5.772% inokonzerwa neshanduko mumitero yemitero. Mushure mekuchinja kwemamiriro, iyo chikamu cheyakagadziriswa mhindu regeji inoderera kubva pa14,2% kusvika 13,7%, nepo iyo yemari inokwereta yemubereko yakadzikira kubva pa85,1% kusvika pa84,7%. IEuribor ndiyo chiyero icho chikamu chepamusoro chehuwandu hwehuwandu hwehuwandu hwezvikwereti hunoreva, zvese kusati kwachinja (70,4%) uye mushure (77,5%).
Imwe yedhata inonyanya kukosha inowanikwa muchidzidzo ichi nemasangano ehurumende ndeyekuti mushure mekushandurwa kwemamiriro, chiyero chemari pachikwereti pazvikwereti zvakatarwa inoderera 1,5 mapoinzi uye iyo yemitengo inoshanduka yemitero inodonha mapoinzi 1,0. Kusvika padanho rekuti chimiro chinoburitswa kuburikidza nekubvumirana kwechikwereti ndechekuti kwechinguvana muyero unoshanduka uchiri kufarirwa nevashandisi veSpanish Asi kubva zvino zvichienda mberi isu ticha tsanangura izvo zvazvakanakira nekuipira kwazviri.
Nei uchinyoresa pamutengo wakatarwa?
Chinguva chidiki chenguva dzezvikwereti zvinoshambadzirwa pamwe nekuwedzera huwandu hwechikwereti pane kusiyanisa mwero wehomwe. Asi pane zvimwe zvakanaka zvaunogona kusarudza kune ino yemari modhi. Chimwe chakanyanya kukosha ndechekuti ivo vanokupa iwe chengetedzo huru nekuti iwe unozoziva kuti iwe uchagara iwe uchabhadhara mari imwe chete yemwedzi. Chero chii chinoitika mumisika yezvemari uye kunyangwe dambudziko remari rikaitika nemhedzisiro isingaverengeke. Kubva pane ino mamiriro, hapana mubvunzo kuti iwe unozogona kuronga zvirinani yako wega kana yemhuri bhajeti yemakore anouya. Kupfuura akasiyana mwero regeji.
Chimwe chezvinhu zvakakosha zveyakagadziriswa-reti mogeji inyaya yekuti munguva dzekuwedzera maererano nemitero yemitero, vane shanduko mukushanda kunonyanya kubatsira kune avo vanonyorera. Izvi zvinoreva kuti kana iwe uchidavira izvo zviyero zvemari ivo vachakwira mumakore mashoma anotevera zvirinani chaizvo kuti iwe umushandire iye pasi peichi chakakosha hunhu. Kwete pasina, iwe uchachengetedza mari yakawanda kusvika kupera kwechibvumirano. Pasina kuvhunduka mukati menguva yacho. Iyi sarudzo inobatsira, saka, kune akanyanya macustomer kana anodzivirira ma profiles evatengi.
Mimwe mipiro yemitengo yakatarwa
Kazhinji kirasi iyi yezvikwereti zvegeji zvinotengeswa nemakomisheni mashoma uye mari mukutarisira kwayo kana kugadzirisa. Zvakaoma kwazvo kwavari kuti vashandise 2% kudzidza, kuvhura kana kunyangwe kukanzura. Asi chero zvakadaro, vanozo famba pasi pemahara zviri nani zvinoregererwa nehupfumi hwako hwepamba. Izvi hazvireve kuti mumakore achangopfuura yanga isiri iyo yepamusoro modhi yekubatanidza yako mogeji nezvikonzero zviri nyore kunzwisisa.
Nenzira iyi, iyo data yakaratidzwa neNational Institute of Statistics inoratidza izvo zvishoma chete kupfuura makumi mapfumbamwe muzana evashandisi veSpanish vanotsigira mhinduro iyi kutenga yako flat, furati kana imwe real estate. Kunyangwe iri tsika iri kudzora sezvo danho rekukwidza huwandu hwezvibereko munzvimbo ye euro neEuropean Central Bank (ECB) rave pedyo. Chinhu icho pasina mubvunzo chichaitika gore rinouya. Kusvika pakuratidzwa mutsika dzevatengi venyika.
Chiyero chinoshanduka chiri nani?
Pane zvinopesana, zviyero zvemitero zvemitero zvinokurudzirwa kuti zviitwe zvechiitiko munguva iyo mutengo wemari uri pazasi nhoroondo. Sezvakaita mamiriro ari kuitika izvozvi. Nekuti iwe uchawana zvido zvakanyanya kukwikwidza kupfuura pakutanga. Iine iyo yekuyera yekuyera index, inozivikanwa seEuribor, munzvimbo isina kunaka uye yakanangana ne mutengo we -0,186. Izvi zvinoita kuti itore mari shoma kukutsigira nekuti kukosha kwemutengo wemari hakuna kunyanya kukwirira, kure nawo.
Nekudaro, ichi chiitiko chisingazogara nguva dzese. Uye chero nguva iyo tsika inogona kuchinja. Sezvo iri kuwanikwa mune dzino chaiyo nguva. Nekuti kana ichi chiitiko chitsva chasvika, akasiyana mwero mogeji dzinenge dzichidhura kupfuura yakatarwa reti mogeji uye izvi zviri kugadzira icho chikamu chakanaka chevashandisi vari kudzokera kuchikwereti chemhando idzi. Iko panguva dzose ivo vanozoziva kuti chii chichaita mari yavo pachavo kwemakore akawanda kudaro.
Nekupararira pazasi kwe1%
Iyo yazvino yekubatana nguva iri kutungamira kuchokwadi chekuti iwe unogona kuwana zvigadzirwa zvekubhadhara imba ine inopararira pazasi pe1%. Zvakare zvavanazvo akabvisa makomisheni uye zvimwe zvinoshandiswa mukutarisira kana kugadzirisa. Nesarudzo dzakasiyana siyana dzinogona kukufadza iwe mune chako chishuwo chekutenga iyo imba yawakafarira zvakanyanya. Nezve iyo nguva padanho rinoshanduka, asi mushure memwedzi mishoma iwe unogona kuchinja pfungwa dzako. Nekuti mune zvese zviitiko zvinoenderana nenguva iyo mamiriro ezvehupfumi ari uye izvo hazvo hazvingagare zvakaenzana sezvaunotoziva.
Kune rimwe divi, haugone kukanganwa kuti ichi chisarudzo chako pachako chinoenderana nezvakawanda zvinhu. Uye chimwe cheicho chakakosha zera uye chokwadika chako tarisiro munyika yebasa. Nekuti chimwe chezvinangwa zvako zvekutanga hazvizove kukwidza chikwereti nesimba rakanyanya. Nekuti ichi chokwadi chinogona kukuunzira unopfuura kamwechete matambudziko mumakore anosara kusvika mukukura. Kupfuura dzimwe nzira dzehunyanzvi dzaunogona kuongorora kana uchigadzira chibvumirano chechigadzirwa chemari ichi.
Ipa mumabhangi zvinopihwa
Chero zvazvingaitika, haufanire kutya kushomeka kwezvikumbiro kubva kumabhangi. Nekuti zvese zvakamisikidzwa uye zvinosiyana reti mogeji zvinosanganisirwa mune yazvino mabhangi zvinopihwa. Hapana chimwe chazvo chakamira kuenda kune aya ehupfumi mari. Nekurudziro izvo zvinogona kuve zvinonakidza kwazvo kune vanhu vari kutsvaga furati panguva ino. Kunyange nezvisungo zvakasiyana mukati meimwe modhi yemari.
Iko kunonyanya kuzivikanwa kuti huwandu hwese hwezvikwereti zvine shanduko mumamiriro avo akanyoreswa mumazita epfuma zviri 5.772, 34,5% pasi pane munaKurume 2017. Mune dzimba, huwandu hwezvikwereti zvinoshandura mamiriro avo zvinoderera 34,3%, zvinoenderana yakagadzirwa munaKurume gore rino uye yakaburitswa neNational Institute of Statistics.
Nekuti hapana mubvunzo kuti chero nguva iwe unogona kugadzirisa mamiriro echikwereti chemogeji. Kunyangwe zvichizoreva mutengo wehupfumi uyo unenge watoongororwa mune imwe chinyorwa nenzira yakadzama. Zvichienderana neshanduko dzinogadzirwa mumusika wekutengesa imba. Sezvo zvinoita sekunge zvichaitika mumwedzi mishoma. Nechinangwa chekuyedza kuchengetedza mashoma maeuro.
Chero zvazvingaitika, cherekedza kuti mune yakatarwa-reti mogeji hauzove nekuvhunduka mukati menguva yakafanana. Iyi sarudzo inobatsira, saka, kune akanyanya macustomer kana anodzivirira ma profiles evatengi. Izvo zvakakosha kuti uzvichengete mupfungwa.