Banco Santander abathengi banokufumana ibhonasi ye ukuya kuthi ga kwi-100 yamanqaku asisiseko kwinqanaba lenzala eliqhelekileyo kuxhomekeke kwiimveliso zezemali kunye neenkonzo abazibophelelayo ngonyaka. Phakathi kweebhonasi ezinokubakho, unciphiso lubandakanyiwe ukuba ikhaya elixhaswa ngemali linokulinganiswa kwamandla okuzinzileyo. I-Santander isungula kwimarike imodyuli yebhonasi eguqukayo kuluhlu lwemali mboleko (ehleliweyo, eguqukayo, engahlaliyo) evumela umthengi ukuba axhamle, kubo bonke ubomi bokubambisa, kwizaphulelo kumazinga enzala ngokuxhomekeke kwiimveliso okanye iinkonzo zakho. khetha ukuqesha.
Ngalo mnikelo uhlaziyiweyo, unyaka nonyaka umthengi unokuthatha isigqibo sokuba zeziphi iimveliso aza kuthi enze isivumelwano nazo kunye nokuzilungisa ngendlela efanelekileyo, ngokusekwe kumjikelo wobomi kunye nokucwangciswa kwemali. Ngale ndlela, umthengi unokufumana olu luhlu lwemali mboleko ngaphandle kokufumana nayiphi na imveliso ehambelana nayo, kodwa uya kuxhamla kwiibhonasi ezifikelela kwi-100 yamanqaku kwinqanaba lenzala echaziweyo (isibonelelo sangoku nenxalenye yebhonasi esetyenzisiweyo ukusuka kwi-Euribor + 0,99% ngexabiso eliguqukayo kunye ne-1,90% ye-TIN ngereyithi emiselweyo), ezalisekisa iimeko zebhonasi eziphezulu ngokwale theyibhile iqhotyoshelweyo.
Ukusukela ekuqaleni konyaka, iqumrhu lithatha zonke iindleko ezibandakanya isiqinisekiso sobambiso irejista kunye neefizi zokubhala, inqaku elilula, uvavanyo lwentsebenzo (xa lucelwa liziko), imirhumo yolawulo kunye nerhafu kwizenzo zomthetho ezibhaliweyo (IAJD). Kwimizuzwana embalwa, apho amaziko emali akhethe kuba iikhomishini kunye nezinye iindleko kulawulo nakulondolozo ziwela kubafaki-zicelo bale mveliso yokuthenga indlu.
Ukunikezela ngamakhaya azinzileyo
Ukuba, ukongeza, indlu ebanjisiweyo ibinayo ukulinganiswa kwamandla A okanye A + okanye kuthathwa njengezindlu ezizinzileyo, ngokwezatifikethi ezifanelekileyo ezikhutshwe ziinkampani ezaziwayo kwicandelo, baya kuba nebhonasi yamanqaku esiseko ali-10 kwinqanaba lesiseko semali mboleko. Eli ziko ke ngoko liyakuqinisa ukuzibophelela kwalo ekuvuseleleni ukusebenza kakuhle kwamandla kunye nokulungelelanisa iimveliso zalo zemali kwizibophelelo ezifunyenwe njengebhanki enoxanduva, ethathela ingqalelo imiba yezentlalo neyokusingqongileyo ekuthatheni izigqibo ngezemali.
Le yinto engaqhelekanga yababangi beli klasi lemveliso kuba kukho ifuthe elonyukayo kumgangatho wamandla ngexesha lokufumana isivumelwano semali-mboleko yokubolekwa kwemali. Ngoncedo olungaqhelekanga ngaphezulu kweemodeli zononophelo ezizinzileyo okanye eziqhelekileyo. Apho umthengi anokufumana khona uhlobo oluthile lwezibonelelo ezibonakalayo kwezinye iifizi ezifikelelekayo zenyanga kwiminqweno yakho ngokugcina izishumi ezimbalwa zepesenti ngokunxulumene nereyithi yakho yokuqala. Ukuze ngale ndlela, bagcine ii-euro ezimbalwa kwimisebenzi nganye esayiniweyo.
Ubambiso lukhula nge-0,7%
Inani leemali ezibanjiswe emakhaya li-29.032, i-0,1% ingaphantsi kuka-Epreli 2018. Inani eliphakathi yi-124.655 euros, ngokunyuka kwe-0,7%, ngokweedatha zakutshanje ezibonelelwe liZiko leSizwe lezeNkcukacha-manani (i-INE). Apho kuboniswa khona ukuba umyinge wemali-mboleko ebhaliswe kwirejista yepropathi ngo-Epreli (kwizenzo zikarhulumente ezenziwa ngaphambili) yi-142.440 euro, i-1,8% ngaphezulu kunenyanga enye ka-2018. Kwelinye icala, ixabiso yemali-mboleko eyenziwe kwiipropathi zasezidolophini ifikelele kwi-5.325,6 yezigidi ze-euro, i-2,6% ngaphantsi kwe-Epreli 2018. Kwizindlu, imali-mboleko eyinkunzi ibime kwizigidi ezingama-3.619,0, inyuke ngonyaka nge-0,6%.
Ngelixa kwelinye icala, idatha ebonelelwe liZiko leSizwe lezeNkcukacha-manani licebisa ukuba kwimali mboleko eyenziweyo zizonke iipropathi ngo-Epreli, i-avareji yenqanaba lenzala ekuqaleni yi-2,51% (5,1% isezantsi ukusukela ngo-Epreli 2018) kwaye ixesha eliphakathi kweminyaka engama-23. I-58,7% yemali mboleko ikwiqondo lenzala eguquguqukayo kunye ne-41,3% kwinqanaba elimiselweyo. Umyinge wenzala ekuqaleni yi-2,23% yemali-mboleko yexabiso eliguqukayo (6,4% isezantsi kuno-Epreli 2018) kunye ne-3,07% kwiirhafu ezibekiweyo (4,8% ngaphezulu ngaphantsi).
Ubambiso ngokutshintsha kobhaliso?
Kubambiso lwemali mboleko yasekhaya, ireyithi yenzala eyi-2,59% (2,9% isezantsi kuno-Epreli 2018) kwaye ixesha eliqhelekileyo liyiminyaka engama-24. Iipesenti ezingama-56,8% zemali ebolekwayo yasekhaya zikwinqanaba eliguqukayo kunye nama-43,2% kwizinga elimiselweyo. Umyinge wemali mboleko ehleliyo ifumene ukonyuka komyinge we-6,7% ngonyaka. Umyinge wenqanaba lenzala ekuqaleni ngama-2,30% kwiqondo eliguqukayo lobambiso lwasekhaya (ngokuhla kwe-5,1%) kunye I-3,09% yenqanaba elimiselweyo (1,8% esezantsi).
Inani elipheleleyo lemali mboleko eneenguqu kwiimeko zabo ezibhaliswe kwirejista yepropathi yi-4.814, 20,9% ngaphantsi kuka-Epreli 2018. Ngokusekwe kuhlobo lotshintsho kwiimeko, ngo-Epreli Izithuba ezingama-3.932 zenzeka (okanye uhlengahlengiso oluveliswe liziko elifanayo lemali), ngokuhla kwe-19,3% ngonyaka. Kwelinye icala, inani lezinto zokusebenza ezitshintsha iziko (i-subrogations to the creditor) lehle nge-27,8% kunye nenani lobambiso apho umnini we-asethi ebanjiswe ngento etshintshiweyo (i-subrogations to the debtor) yehle ngama-25,3%.
Umkhwa kwintengiso yesizwe
Ngokubhekisele kwiziphumo zoluntu oluzimeleyo, idatha eboniswe liZiko leSizwe lezeNkcukacha-manani libonisa ukuba uluntu olunelona nani liphezulu lobambiso olwenziwe kumakhaya ngo-Epreli I-Andalusia (6.065), uLuntu lwaseMadrid (5.380) kunye neCatalonia (4.636). Uluntu apho uninzi lwenkunzi lubolekwe khona kumgaqo-siseko wemali mboleko emakhaya yiComunidad de Madrid (i-963,0 yezigidi zeerandi), i-Andalusia (676,2 yezigidi) kunye neCatalonia (657,0 yezigidi).
Ngelixa kwelinye icala, abahlali ababonisa ifayile ye- amazinga aphezulu okwahluka konyaka Kwimali-mboleko eyinkunzi yiComunidad Foral de Navarra (59,4%), iAndalucía (26,8%) kunye neAragón (26,0%). Ngenye indlela, kufanele kuqatshelwe ukuba uluntu olunereyithi ephezulu yonyaka kwinani lobambiso kumakhaya yiComunidad Foral de Navarra (47,4%), iAndalucía (16,7%) kunye neLa Rioja (15,1, 25,8%). Ngokwelabo icala, uLuntu oluZimeleyo olunezona yantlukwano zahlukileyo zonyaka yayinguRegio de Murcia (-22,4%), Illes Balears (-10,3%) kunye neComunidad de Madrid (-XNUMX%).
Umyinge wenzala
Kubambiso lwemali mboleko yasekhaya, ireyithi yenzala eyi-2,59% (2,9% isezantsi kuno-Epreli 2018) kwaye ixesha eliqhelekileyo liyiminyaka engama-24. Iipesenti ezingama-56,8% zemali ebolekwayo yasekhaya zikwinqanaba eliguqukayo kunye nama-43,2% kwizinga elimiselweyo. Ubambiso lwemali mboleko ehleliweyo amava anyuke nge-6,7% kwinqanaba lonyaka. Umyinge wenzala ekuqaleni yi-2,30% yemali ebolekwe kumakhaya amaxabiso adadayo (ukwehla kwe-5,1%) kunye no-3,09% kwimali-mboleko yemali esisigxina (1,8% esezantsi) esekwe kwidatha ebonelelwe liZiko leLizwe lezibalo. eli xesha.
Ngayiphi na imeko, kukho ukuhla okuqhubekekayo kwisalathiso senani leebench ze-Europe, i I-Euribor, ebangela ukonyuka okuncinci kwintlawulo yenyanga nenyanga yemali mboleko yemboleko yempahla. Ukusukela kunyaka ophelileyo bekumgangatho ophantsi kwaye oko kukhokelele kumdla wokufumana ikhontrakthi kule mveliso yebhanki ukuba ibe sezantsi kunangaphambili. Nokuba usasazekile ngezantsi kwe-1% phakathi kwezinto ezininzi ezinikezelwe ziibhanki. Kwiimeko ezininzi, ngokukhululwa kweekhomishini kunye nezinye iindleko kulawulo lwazo okanye kulondolozo.
Ukonga ngakumbi kwimali mboleko ebonelelweyo
Enye yeendlela zokonga imali kulwakhiwo lwale mveliso yebhanki ihlala kwinyani yokukhetha iimodeli ezixhaswayo. Ngamanye amagama, njengoko iimveliso ezininzi zinikwa ikhontrakthi kunye nequmrhu, kokukhona kulunge ngakumbi inzala enokufunyanwa kulo msebenzi. Ngokwenza ikhontrakthi kweemveliso ezinjengengxowa mali, iinshurensi, izicwangciso zokonga okanye iidipozithi zexesha elimiselweyo. Ngokwehla kwenqanaba lenzala elinokuthi yahluka phakathi kwe-0,10% kunye ne-1,50% kwiimeko ezintle. Kukwakho nezibonelelo kubathengi abatsha abavumela ukuba kuthengiswe imali mboleko enenzala engaphezulu.
Ngelixa kwelinye icala, kufanelekile ukuba uqaphele ukuba imarike yempahla ebambekayo ibambelela ekuphuhliseni amaxabiso asisigxina ekonakaleni kwamaxabiso ahlukeneyo. Ngenxa yokunyuka okubonakalayo kwamaxabiso kummandla we-euro. Ngale ndlela akukho ndlela yothusayo ngexesha lesivumelwano. Kuba inyanga nenyanga uyakuhlala uhlawula ngokufanayo, nokuba kwenzeka ntoni kwiimarike zezemali. Ukunika uzinzo olukhulu kubantu abakhetha olu hlobo lwemali xa bethenga amakhaya abo.
Enye yeendlela zokonga imali kulwakhiwo lwale mveliso yebhanki ihlala kwinyani yokukhetha iimodeli ezixhaswayo. Ngamanye amagama, njengoko iimveliso ezininzi zinikwa ikhontrakthi kunye nequmrhu, kokukhona kulunge ngakumbi inzala enokufunyanwa kulo msebenzi. Ngokwenza ikhontrakthi kweemveliso ezinjengengxowa mali, iinshurensi, izicwangciso zokonga okanye iidipozithi zexesha elimiselweyo. Ngokwehla kwenqanaba lenzala elinokuthi yahluka phakathi kwe-0,10% kunye ne-1,50% kwiimeko ezintle. Kukwakho nezibonelelo kubathengi abatsha abavumela ukuba kuthengiswe imali mboleko enenzala engaphezulu. Kwiimeko ezininzi, ngokukhululwa kweekhomishini