Inani lobambiso kumakhaya abhaliswe kwiirejista zepropathi ngama-31.018, I-9,2% ngaphezulu kwinqanaba lonyaka. Le yeyona datha ibaluleke kakhulu ekhutshwe kwidatha yamva nje ebonelelwe liZiko leSizwe lezeNkcukacha-manani (i-INE). Ikwabonisa ukuba umndilili wexabiso lemali mboleko inyuke nge-2,9% kwaye ime kwi-123.911 euro. Ngelixa kwelinye icala, inani lobambiso olwenziwe emakhaya ngama-31.018, Oko kukuthi, i-9,2% ngaphezulu kunangoFebruwari 2018.
Inani eliphakathi yi-123.911 euro, ukwanda kwe-2,9%. Ngelixa isixa semali-mboleko ebhalisiweyo kwiirejista zepropathi ngoFebruwari (kwizenzo zikarhulumente ezenziwa ngaphambili) yi-163.487 euros, 21,2% ngaphezulu kunenyanga enye ngo-2018. inzala kwiimboleko zobambiso, kolu hlobo lweemveliso zebhanki ezenziwe kwiifama zizonke ngoFebruwari, i-avareji yenqanaba lenzala ekuqaleni yi-2,64% (0,4% ephezulu kunoFebruwari 2018) kwaye ixesha eliphakathi yiminyaka engama-22. Apho i-59,5% yemali mboleko ikwiqondo lenzala eyahlukileyo kunye nama-40,5% kwinqanaba elilinganiselweyo.
Umyinge wenzala ekuqaleni yi-2,32% yemali-mboleko eguqukayo yamanani (1,9% asezantsi kunangoFebruwari 2018) kunye ne-3,32% yemali-mboleko yemilinganiselo emiselweyo (3,0% ngaphezulu). Kubambiso lwemali mboleko yasekhaya, i-avareji yenqanaba lenzala yi-2,62% (1,1% isezantsi kunangoFebruwari 2018) kwaye ixesha eliphakathi lineminyaka engama-23. I-58,2% yemali mboleko yasekhaya ikwinqanaba eliguqukayo kunye nama-41,8% kwizinga elimiselweyo. Umyinge wemali mboleko ehleliyo ifumene ukonyuka komyinge we-17,4%. Umyinge wenqanaba lenzala ekuqaleni ngama-2,37 eepesenti kwimali ebolekwe kumakhaya enqanaba lokudada (ukwehla kwe-4,0%) kunye ne-3,05% yemali-mboleko ebekiweyo (0,4% ngaphezulu).
Guqula kwinani lobambiso
Iimali-mboleko ezinotshintsho kwiimeko zenqanaba lenzala yenye yedatha ebonelelwe liZiko leLizwe lezibalo (i-INE). Ngenxa yokuba, kwi-6.554 yemali mboleko eneenguqu kwiimeko zabo, i-39,8% ibangelwe lutshintsho kumazinga enzala. Emva kotshintsho lweemeko, ipesenti yemali mboleko emiselweyo inyuka ukusuka kwi-7,7% ukuya kwi-21,0%, ngelixa obolekiso bemali mboleko eguqukileyo yehle ukusuka kuma-91,3% ukuya kuma-78,2%. I-Euribor linqanaba apho ipesenti ephezulu yemali-mboleko eguquguqukayo ibhekisa kuyo, zombini phambi kotshintsho (82,1%) nasemva (72,8%).
Ngale ndlela, kufuneka kugxininiswe ukuba isalathiso semilinganiselo yaseYurophu, i I-Euribor, sisininzi kwisiginitsha yemisebenzi eyenziweyo ngexabiso eliguqukayo. Ngokwedatha ebonelelwe liZiko lezeNkcukacha-manani leSizwe (i-INE), ezinye zezinto ezenziweyo zenziwa ngolu hlobo lwesalathiso. Kwelinye icala, inyukile kwiinyanga nje ezidlulileyo ukusuka kwimbali yayo. Kwaye oko kusenziwa kuthetha ii-euro ezimbalwa ngakumbi ekuhlawuleni izavenge zenyanga ngabanini bale mveliso ukuze bathenge indlu. Ngethemba lokuba iya kuqhubeka nokunyuka kwiinyanga ezimbalwa ezizayo.
Iziphumo zoluntu
Uluntu olunelona nani liphezulu lobambiso lubekelwe amakhaya ngoFebruwari Uluntu lwaseMadrid (6.373), iCatalonia (5.448) kunye neAndalusia (5.179). Uluntu apho uninzi lwenkunzi lubolekwe khona kumgaqo-siseko wobambiso kumakhaya yiComunidad de Madrid (1.014,5 yezigidi zeerandi), iCatalonia (837,6 yezigidi) kunye neAndalusia (558,6 yezigidi). Iindawo eziZimeleyo ezinamaqondo aphezulu okwahluka konyaka kwiimali ezibolekiweyo yi-Principado de Asturias (56,9%), iLa Rioja (41,3%) kunye neCastilla-La Mancha (32,6%). Njengoko kuqinisekisiwe ngamaza okugqibela aququzelelwe liZiko leLizwe lezibalo (i-INE).
Uluntu oluzimeleyo olunezinga eliphezulu lonyaka lokwahlukahlukana kwenani lobambiso lwasekhaya yayingu-Principado de Asturias (55,6%), uCastilla-La Mancha (43,1%) kunye neLa Rioja (39,3%). Ngokwabo, i-Illes Balears (–19,3%), iComunidad Foral de Navarra (-10,6%) kunye neCantabria (-9,3%) ibonise awona manqanaba angafaniyo onyaka. Ngale ndlela, i ukwahluka okunamandla Ekhoyo ngalo mzuzu ukusuka kwiindawo ezithile ezizimeleyo ukuya kwezinye. Ngaphaya kwezinye izinto ezinokuthanani nokukhula koqoqosho lwelizwe kwaye ezinokuchaphazela ukunikezelwa kolu hlobo lwekhredithi kubantu.
Izinto ekubanjiswa ngazo ezinotshintsho lobhaliso
Ngokumalunga nenani lilonke lobambiso kunye notshintsho kwiimeko zabo ezibhaliswe kwirejista yepropathi yi-6.554, i-12,7% ingaphantsi kunangoFebruwari 2018. Ukujonga uhlobo lotshintsho kwiimeko, ngoFebruwari ziyaveliswa Imiboniso engama-4.914 (okanye uhlengahlengiso oluveliswe kwiziko elifanayo lemali), ngokuhla kwe-20,5% ngonyaka. Ngokwenxalenye yayo, inani leetransekshini ezitshintsha iziko (ukubekwa phantsi komntu obolekayo) lenyuke ngama-26,3% kunye nenani lobambiso ekuye kwenzeka kulo imeko zabo. Njengenye yezona zinto ziphindaphindwayo kule minyaka idlulileyo.
Omnye umba apho ezi datha zibonelelwa liZiko leSizwe lezeNkcukacha-manani (i-INE) zinempembelelo enkulu yile inento yokwenza nokuvuselelwa kwemakethi yokuthenga ngempahla eSpain. Apho, kwakhona iibhanki zigqibe kwelokuba zivule itephu ukuze ziqeshwe ngabantu abafuna ukuthenga iflethi kula maxesha. Ngomngcipheko wokuba inqanaba lamatyala linokunyuka kule minyaka izayo. Njengoko kwenzekile kwiminyaka amaxabiso kwintlekele yezoqoqosho kwiminyaka eyi-2007 kunye no-2008. Kananjalo kutheni kufuneka uthathe u bubble yezindlu kwiminyaka ezayo.
Utshintsho kubambiso
Ikhomishini yokurhoxisa, ekufuneka ihlawulwe kwiziko elidala, zihlala zifikelela kwi-1% yemali elinde ukuhlawulwa kwamatyala kwaye kufuneka ithathelwe ingqalelo xa kuvavanywa ukuba ingaba kunenzuzo okanye akunjalo ukwenza utshintsho lweziko. Kwelinye icala, ikhomishini ye-subrogation (eya kuthi ihlawulwe kwi-bhanki entsha kwaye ibandakanya inkcitho enje ngerhafu kwizenzo zomthetho ezibhaliweyo kunye ne-notarial kunye ne-registry fees) iphakathi kwe-0,5% kunye ne-1% yemali mboleko entsha ukuseka ngokusemthethweni.
Ipesenteji eyongezwa ngamashishini kwi-Euribor ukuseta inzala yemali-mboleko kwi-variable-rate-mortgage iye yancitshiswa ngokuqhubekayo emva "kwemfazwe" ekhutshwe phakathi kweebhanki kunye neebhanki zokulondoloza, ngoko ke ukubonelela okungcono kunakho ukuqesha. Ezinye iibhanki kunye neebhanki zokonga- ngakumbi ezo zikwi-Intanethi-zibonelela umahluko we-0,28%. Kwimali iyonke ebolekisiweyo, imali mboleko leyo qhubela phambili iipesenti ezingama-80 zexabiso elilinganisiweyo lekhaya, nangona kuya kusiba yinto eqhelekileyo ukufumana iimveliso ezigubungela ixabiso lazo lonke. Enye into echaphazeleka kolu hlobo lwemveliso yamatyala kukuhla kweekhomishini, ethi kwiimeko ezininzi incitshiswe iye kwi-zero, kodwa kuphela kwimeko zokuvula okanye zolawulo.
Ukwabiwa kwemali-mboleko yasekhaya
Olunye uhlobo lobambiso olungagqithiseliyo ngokubhekisele kwisibonelelo esele sikhona kwimarike yebhanki yile ibizwa ngokuba "yindlu ekwabelwana ngayo", ejolise ekufumaneni indlu nabahlobo okanye abantu osebenza nabo, nabaqeshwe ikakhulu ngabo kufuneka uhambe uye kwezinye iindawo oya kusebenza kuzo. Kule meko, amaziko athile ezemali athe agqiba kwelokuba ayisungule ngemveliso enexesha lokuhlawula elifikelela kwiminyaka engama-40, nge-10 ubuncinci, apho i-100% lexabiso lepropathi inokuxhaswa ngemali.
Igalelo lawo eliphambili kukuba inexesha lenzala eliqingqiweyo ukuya kuthi ga kwiminyaka eli-10, kunye nethuba lokunyusa okanye lokunciphisa isavenge semali mboleko ngokuxhomekeke kwiimfuno zombhalisi. Umsebenzisi kuya kufuneka ahlawule i-1% njengekhomishini yangaphambi kwexesha, kodwa hayi kwisifundo ngasinye. Nangona okwangoku ayisiyomveliso ekuzo zonke izibonelelo ezikhutshwa ngabanikezeli bemali mboleko yezindlu. Ukuba akunjalo, ngokuchaseneyo, ibonakaliswa ngexesha elifanelekileyo kwaye phantsi kweemeko ezikhethekileyo zesivumelwano ezahlukileyo kwiimodeli eziqhelekileyo ngexesha lokufumana iarhente yokuthengiswa kwezindlu. Kwelinye icala, ayisiyiyo imeko eqhelekileyo kwimikhwa yabasebenzisi bebhanki. Ukuba akunjalo, ikhula phantsi kweempawu zayo kwimfuno yale mveliso yezemali.
Ipesenteji eyongezwa ngamashishini kwi-Euribor ukuseta inzala yemali-mboleko kwi-variable-rate-mortgage iye yancitshiswa ngokuqhubekayo emva "kwemfazwe" ekhutshwe phakathi kweebhanki kunye neebhanki zokulondoloza, ngoko ke ukubonelela okungcono kunakho ukuqesha. Ezinye iibhanki kunye neebhanki zokonga- ngakumbi ezo zikwi-Intanethi-zibonelela umahluko we-0,28%. Kwimali iyonke ebolekisiweyo, imali mboleko leyo qhubela phambili iipesenti ezingama-80 zexabiso elilinganisiweyo lekhaya, nangona kuya kusiba yinto eqhelekileyo ukufumana iimveliso ezigubungela ixabiso lazo lonke. Enye into echaphazeleka kolu hlobo lwemveliso yamatyala kukuhla kweekhomishini, ethi kwiimeko ezininzi incitshiswe iye kwi-zero, kodwa kuphela kwimeko zokuvula okanye zolawulo.