Abasebenzisi okwangoku abanesivumelwano nezinye izicwangciso zepenshini kunye ne-Bankia banethamsanqa. Phakathi kwezinye izizathu kuba ukusukela ngoku baya kuvuzwa kwaye ke baya kufumana okuninzi koku imveliso yomhlalaphantsi. Njengoko uphawulile kupapasho lwakho lwakutsha nje. Ukuzibophelela kule mveliso yezemali eye yasebenza ngakumbi ngenxa yeepenshoni ezisezantsi ezikhoyo ngoku kwilizwe lethu. Nangona okwangoku, eli nyathelo lesicwangciso aligqithiselwanga kwamanye amaziko asebhanki eSpain.
Ewe, ukuya kwinqanaba kweli nqaku, kufanele ukuba kuqatshelwe ukuba ngokuka-Bankia iyakuhlawula ibhonasi efikelela kwi-5% kwabo benza igalelo kunye notshintshelo kwizicwangciso zepenshini ngaphakathi kwesakhelo sephulo lepenshoni. kude kube sekupheleni kwe-anus. Inkqubo ye iibhonasi kunye nepesenti yebhonasi iya kusekelwa kwimali ebonelelweyo okanye ehlanganisiweyo evela kwamanye amaziko, isicwangciso sendawo ekuyiwa kuyo kunye nokuzinikela ukuhlala.
Kwelinye icala, kule bhanki kunjalo yomeleza iphulo layo lomhlala-phantsi Ngokumiliselwa kwesicwangciso se 'Bankia Protegido Renta Premium X', esiqinisekisa ukukhula, ngoDisemba 2026, a Uhlaziyo oluqokelelweyo lwe-16,82%, emele i-2% APR. Le mveliso ijolise ngokukodwa ekutsaleni igalelo elitsha kunye nokuvuselelwa kwangaphandle kubantu besithathu.
I-Bankia iyaziqhelanisa neemfuno
Kufuneka kuqatshelwe ukuba le mveliso iyalugcwalisa uluhlu lwezicwangciso zepenshini ezithengiswa liziko, apho kunokwenzeka khona ukutyala imali kwiimarike zezemali eziphambili, ukulungelelanisa nokulindelwe ngumthengi ngokusekelwe kwiprofayili kunye nomngcipheko ochaphazelekayo. cinga. Ngele ndlela, Abathengi be-Bankia Unokwenza igalelo izicwangciso zengeniso esisigxina, umvuzo osisigxina wexesha elide, umvuzo oxubileyo oxubeneyo, umvuzo oxubeneyo oxubeneyo, umvuzo oguqukayo, oqinisekisiweyo okanye odwelisiweyo.
I-Bankia kupapasho lwayo losasazo lizinikele kwiingcebiso ezenzelwe wena njengeyona nto ibalulekileyo ekufezekiseni injongo yokugqibela ye isibonelelo esaneleyo somhlala-phantsi. Ingcebiso ethathela ingqalelo iimpawu zomthengi, ezinje ngeminyaka yobudala kunye neprofayili yomngcipheko, kwaye iphinda iphonononge iimveliso ezinconyelwayo, ukuze unikeze ngamaxesha onke ezona zicwangciso zifanelekileyo okanye izicwangciso zeprofayile yabo njengomtyali mali.
Isicwangciso somhlala-phantsi
Ukunceda bonke abo bafuna ukucwangcisa umhlalaphantsi wabo, Bankia ubeka kwi-simulator yakho enamandla ukufumana esona sicwangciso somhlala-phantsi, kwinto esisixhobo se-intanethi apho umntu onomdla anakho ukubala irente yenyanga onokuyifumana ngexesha lokuthatha kwakho umhlalaphantsi ukuqala kwintlawulo yenyanga oyigcinele le njongo. Ungafumanisa ukuba ingakanani imali ekuza kufuneka uyenze kwiplani yakho yepenshini ukuze ufumane isixa esithile sokonga ngexesha lomhlala-phantsi.
Ukongeza, ibhanki iyakhuthaza iminikelo kwizicwangciso zepenshini ngokwahlukeneyo iiphakheji zezipho kuxhomekeke kwifayile ye- imirhumo eyenziwe kwezi zixhobo. Kuxhomekeke kwinani elinikelweyo, umthathi-nxaxheba unokukhetha phakathi kwezipho ezibini: isipho esisemzimbeni okanye esidijithali, esinevawutsha, ngesixa esithile, esinokuhlawulelwa kwiAmazon. Njengesicwangciso esitsha sokurhweba ukukhetha le mveliso ibaluleke kakhulu kwiminyaka yegolide yabathengi.
Ngokuveliswa kwezipho
Ngale ndlela, umthengi uya kuba nakho ukukhetha phakathi kwezipho ngokusekwe koku kulandelayo:
- Ngeminikelo kwi-3.000 y 4.999, othatha inxaxheba uya kuba nakho ukukhetha ivawutsha yeAmazon ngee-euro ezingama-25 okanye isixhobo esivula iwayini esizenzekelayo. Ngegalelo eliphakathi kwama-5.000 7.999 nama-45, unokukhetha phakathi kwevawutsha ye-euro engama-8.000 oza kuyichitha kwiAmazon okanye kwisithethi esinoSony. Kwiminikelo phakathi kwe-15.999 kunye ne-100, unokukhetha phakathi kokutshekisha i-XNUMX euros yokuthenga kwiAmazon okanye iwotshi yezemidlalo.
- Kwaye ekugqibeleni ukuya igalelo elivela kwi-16.000 euro, umthengi unokukhetha phakathi kwekhuphoni enexabiso lama-euro angama-250 ukuyitshintsha naliphi na inqaku isuka kwiAmazon okanye iToshiba Smart TV. Apho umthengi ngokwakhe aya kuba nakho ukwenza igalelo lakhe okanye ukuququzelela izicwangciso zepenshini ivela kumajelo edijithali equmrhuNokuba ivela kwi-Bankia On Line, okanye usebenzisa i-app yebhanki. Ukongeza, kula maqonga edijithali unokujonga izipho abanokuthi bazikhethe ngokuxhomekeke kwiimali ezinikelweyo.
Idatha kwintengiso yesicwangciso
Okwangoku, ngaphezulu kwe-20% yokuthengiswa kwesicwangciso somhlala-phantsi kwenziwa ngeendlela zedijithali, amanqaku asixhenxe ngaphezulu konyaka ongaphambili. Ngaphandle kwento yokuba kukho into ethile ekufuneka yenziwe ukuze ubhalise kolu hlobo lweemveliso zemali ezizodwa kwaye kwangaxeshanye ziyimfuneko kwinxalenye enkulu yoluntu lwaseSpain. Ngokuyinxenye, kubangelwe sisixa esiphantsi osibonisayo ngalo mzuzu ipenshini yoluntu kwaye esona sixa sisezantsi simi kunyaka ozayo malunga nee-euro ezingama-650 inyanga. Kubandakanywa uvavanyo lwentsebenzo olutsha olwenziwa ngurhulumente wangoku waseSpain. Into eyinyani apho uninzi lwabantu abadla umhlala-phantsi baseSpain bengazi.
Ngaba kufanelekile ukuqesha le mveliso?
Kwelinye icala, kuyafuneka ukuba uhlalutye kule mizuzu ukuba inyani kufanelekile ukuba urhume ngalo nyaka. Kungenxa yokuba, enye yezizathu zokuba ubhalise imveliso yezi mpawu ihleli kwinto yokuba umfaki-bango unepenshoni enegalelo eliphantsi kakhulu kwaye ayimvumeli ukuba abenomgangatho wobomi osebenzayo ngexesha lokonwaba iminyaka yakhe yegolide. Ngesicwangciso somhlala-phantsi, unokuyonyusa ingeniso yakho ngokusekelwe kwimirhumo oyenzileyo ngexesha lobomi bakho. Oko kukuthi, unokuyihlengahlengisa kwiimfuno zakho zokwenyani kwaye ungumphelelisi wepenshini oyifumanayo.
Okwangoku, ubuncinci bepenshini eSpain yenye yezona ziphantsi kwi-European Union, apho ubuncinci bungadluli kwinqanaba le I-600 euros ngenyanga. Ngelixa okunganikelwanga mali kuchaziwe kulo nyaka kwi-386 euro ngenyanga. Olu luvo luphantsi lwemali luvelisa ukuba inxenye elungileyo yabasebenzi kufuneka ijonge ukuncedisana nayo. Kwaye kweli nqanaba apho izicwangciso zomhlala-phantsi ezikhoyo ekunikezelweni kwezinto eziphambili zebhanki zidlala indima efanelekileyo.
Ubuncinci bepenshoni ngo-2019
Ukujonga phambili kulo nyaka, Ipenshoni iyakuhlaziywa ekuqaleni ngokokuqikelela kwamaxabiso (1,6%), ngesiqinisekiso esifanayo sokuhlawulwa kwembuyekezo kwimeko yokutenxa kwixabiso lentengo ekupheleni konyaka, njengoko kuyakwenzeka kulo nyaka. Ngenxa yeli nyathelo, ipenshoni ezinikelwayo ziya kusekwa ngale ndlela ilandelayo yokuba sinike iinkcukacha kolu lwazi.
Umhlala-phantsi womntu oneminyaka engama-65 okanye ngaphezulu
Kwimodareyitha kunye neqabane elixhomekeke kuwe, i-810,60 euro. Ngaphandle komlingane, i-euro ezingama-656,90. Ngamaqabane angaxhomekekanga kwi-euro ezingama-623,40.
Ipenshoni yomhlalaphantsi yomntu ongaphantsi kweminyaka engama-65 ubudala
Kwimodareyitha kunye neqabane elixhomekeke kuwe, i-759,90 euro. Ngaphandle komlingane, i-euro ezingama-614,50. Ngamaqabane angaxhomekekanga kwi-euro ezingama-580,90.
Umhlala-phantsi iminyaka engama-65 ukusuka kukhubazeko olunzima
Kwimodareyitha kunye neqabane elixhomekeke kuwe, i-1.215,90 euro. Ngaphandle komlingane, i-euro ezingama-985,40. Ngamaqabane angaxhomekekanga kwi-euro ezingama-935,1.
Ipenshoni esisigxina yokukhubazeka: ukukhubazeka kakhulu
Kwimodareyitha kunye neqabane elixhomekeke kuwe, i-1.215,90 euro. Ngaphandle komlingane, i-euro ezingama-985,40. Ngamaqabane angaxhomekekanga kwi-euro ezingama-935,10.
Ipenshoni esisigxina yokukhubazeka
Kwimodareyitha kunye neqabane elixhomekeke kuwe, i-810,60 euro. Ngaphandle komlingane, i-euro ezingama-656,90. Ngamaqabane angaxhomekekanga kwi-euro ezingama-623,40.
Ipenshoni enganikeli galelo
Enye into ekufuneka ithathelwe ingqalelo yeyabantu abangakwaziyo ukufikelela kwimali yepenshoni. Ngokusisiseko ngokunganikeli iminyaka elishumi elinesihlanu kwimirhumo yoKhuseleko lweNtlalo kwaye banendlela yokugqibela abanokufuna ngayo ipenshini engenagalelo. Ewe, olu ncedo kubantu abaphakathi kweminyaka engama-65 ukuya kuma-67 ubudala baya kuhlawulwa, ukuba bayazifezekisa zonke iimfuno, ngentlawulo yenyanga ye-385 ye-euro.
Nangona oku bekungafanelekanga ukuba Ingeniso engaphezulu kwe-7.200 euro malunga nonyaka. Ukuba nakweyiphi na imeko, babenomvuzo wonyaka ngaphezulu kwengqwalaselo, olu ncedo lwaseburhulumenteni luya kurhoxiswa ubuncinci obusekwe malunga ne-110 euro ngenyanga. Kwimeko apho, esinye sezisombululo zokuba uthathe umhlala-phantsi onesidima kukukuwongeza ngesicwangciso somhlala-phantsi esingazinzanga. Nangona, ewe, kuyakufuneka kakhulu ukuba kwenziwe ngokusesikweni ngokubona kwangaphambili ukuze isixa sibaluleke ngokwenene.
Elinye inyathelo lokulungisa le ntswelo yemali iya kusekelwa ekuqeshweni kwengxowa-mali yotyalo-mali kwiimodeli zayo ezahlukeneyo. Kodwa akukho meko baqinisekisa ubuncinci benzuzo, kodwa ngokuchaseneyo inokudala imali eseleyo njengoko kuye kwenzeka kunyaka esisandula ukuwuvala. Ngokuncipha okubonakalayo kwiiphothifoliyo zabo zotyalo-mali. Kwaye kweli nqanaba apho izicwangciso zomhlala-phantsi ezikhoyo ekunikezelweni kwezinto eziphambili zebhanki zidlala indima efanelekileyo.