Ukuba injongo yakho kwiinyanga ezizayo kukuthenga ipropathi, kukulungele ukuba ufunde eli nqaku. Kungenxa yokuba i-Euribor sisalathiso somgangatho waseYurophu apho uninzi lwale misebenzi inxulunyaniswa khona. Kwimisebenzi yoku inqanaba eliguqukayo esona sisininzi ngabasebenzisi baseSpain. Ngale ndlela, i-60,6% yemali mboleko yasekhaya Yenziwe ngezinga eliguqukayo kunye ne-39,4% kwizinga elimiselweyo, ngokweenkcukacha ezibonelelwe liZiko leSizwe lezeNkcukacha-manani (i-INE). Apho iqondo elibekiweyo lobambiso lwamava enyuka ngama-30,7 kwinqanaba lonyaka ngokubhekisele kumlinganiso wangaphambili.
Kwelinye icala, kwaye ngokwale mithombo minye, ngaphezulu kwe-90% yemali mboleko yempahla ebanjisiweyo ibhekiswa kwi-Euribor Kwiminyaka yakutshanje, ngokweengxelo ezenziwe kwi-National Institute of Statistics. Le yinto echaza ngokupheleleyo ukubaluleka kwalo mlinganiso welizwekazi elidala. Ngaphezulu kokunye ngokucacileyo okumbalwa phakathi kokukhethwa kwabasebenzisi belizwe. Ngokwenyani uninzi lweekhontrakthi zerhafu eziguquguqukayo zenziwe ngokusesikweni ngale index ibalulekileyo.
Esinye sezizathu esichaza le mpumelelo phakathi kwabafakizicelo bemali mboleko ngenxa yexesha elikhethekileyo nelikhethekileyo lokuhamba kweemarike zezemali. Ukususela kwixesha lokuqala kwiminyaka emininzi, i-Euribor ukwindawo engathandekiyo. Ngokwenyani oku kuthetha ukuba kuya kufuneka uhlawule imali eninzi ngezavenge zakho zenyanga xa usenza isivumelwano semali-mboleko yokuthenga indlu. Ngokonga amawaka amaninzi eeyuro ngokubhekisele kwezinye iimeko kwintengiso yezindlu kwaye kunjalo ngokubhekisele kwimali mboleko ebhaliswe kwimali engenayo esisigxina, nangona ezi zihlala zinendawo efanayo minyaka le. Nokuba kwenzeka ntoni kwiimarike zemali ukusukela ngoku.
I-Euribor, uhlawula njani i-mortg?
Enye yezona zinto zibalulekileyo ze-Euribor kwimali mboleko yindlela ekuchaphazela ngayo imali ekufuneka ujongane nayo ekufumaneni loo ndlu uyithandayo kakhulu. Ewe, iibhanki sebenzisa ukusasazeka ngaphezulu kwesi salathisi somgangatho. Kwaye kwimeko yangoku yamazwe onke iyathandeka kakhulu kwimidla yakho njengomsebenzisi webhanki. Ngale ndlela, awufanelanga ukulibala ukuba ngeli xesha kulunge kakhulu ukuba umdla wakho ube nemali-mboleko yokubolekwa kwemali enxulumene nale benchmark. Kuba okwangoku uza kuhlawula imali encinci kuneminyaka embalwa edlulileyo.
Kwelinye icala, indawo elungileyo yemali mboleko ethengiswe ziibhanki iphantsi kwale meko kwisivumelwano sabo. Kunqabile ke ukuba ufumane ezinye iibhentshi ngaphandle kwe-Euribor. Ukuza kuthi ga ngoku musa ukumela ngaphezulu kwe-8% yeekhontrakthi ezintsha kwaye kwiimeko ezininzi phantsi kweemeko kulungelelwaniso lwayo olukubi kakhulu kuwe. Phakathi kwezinye izizathu kuba awuzukukhetha ngaphandle kokuthatha iindleko eziphezulu kwasekuqaleni. Ngaphandle kwezinye izinto zobuchwephesha ezinxulumene nolwakhiwo lwale mveliso ibalulekileyo yebhanki.
I-Euribor kwimbali esezantsi
Ngayiphi na imeko, inye into ekufuneka ucace gca ukusukela ngoku ukuya phambili kwaye leyo sisalathiso esihamba ngeyona mihla yakhe. Oko kukuthi, kunjalo ngamaxesha onke okanye yintoni efanayo kwelona nqanaba lisezantsi kule minyaka idlulileyo. Ukuya kwinqanaba lokuba ukuvela kwayo kukhokelele ekubeni ibeke kwindawo engalunganga okokuqala kwimbali yayo. Kuba ngoku, ibenchmark yaseYurophu, i-Euribor, ngoku ikwi -0,18, emva ko-2015, umzekelo, yayikwinqanaba elifanelekileyo, kwi-0,267. Umahluko obanzi phakathi kwale minyaka mithathu kwaye oko kukhokelele esiphelweni sokuba uhlawule imali encinci yokwenza isivumelwano semali mboleko yakho.
Ewe kunjalo, le yimeko ebaluleke ngakumbi kuwe ukuba uthathe ubambiso ukususela ngoku. Akumangalisi ukuba ukusasazeka okusetyenziswe ziibhanki ezininzi kuncitshisiwe kumanqanaba angenakucingwa kude kube yiminyaka embalwa edlulileyo. Ukuziqhelanisa kuthetha ukuba unokubona ukusasazeka namhlanje. nangaphantsi kwe-1%. Kodwa ayisiyiyo kuphela inzuzo onokuyifumana ngokubhalisela enye yezi mveliso zebhanki. Kuba indawo elungileyo yemali mboleko mboleko ebekiweyo iyathengiswa yenziwa ngaphandle kwekomishini okanye ezinye iindleko kulawulo okanye kulondolozo lwazo. Njengomphumo wokuvela kwesi salathisi kwilizwekazi elidala.
Imeko engayi kuhlala ngonaphakade
Ngokuchasene noko, kuya kufuneka ukhumbule ukuba nangona ilixesha elihle kakhulu lokuzibambisa, le meko ayinakubakho kude kube ngunaphakade. Ukuba akunjalo, ngokuchaseneyo, unokujika nangaliphi na ixesha kwaye iya kuqala ukunyuka kwaye intlawulo yakho yenyanga izakukhuphuka. Ngokuchanekileyo ngalo mzuzu xa iBhanki eNkulu yaseYurophu (i-ECB) ithatha isigqibo sokunyusa inzala. Isenzo, kwelinye icala, acwangcise ukusenza Kunyaka olandelayo, nangona ingekho ngogonyamelo, kodwa ngokuthe ngcembe. Oku kuyakuthetha ukuba i-Euribor izakuqala ukunyuka kwaye iyakuchaphazela inkcitho ekufuneka ujongane nayo ekunikezelweni kwemboleko mboleko yokuthenga indlu ohleli uyithanda.
Lo ngumahluko omkhulu kakhulu kwimali-mboleko yomyinge. Apho uhlala khona uya kuhlawula umrhumo ofanayo wenyanga, nokuba kwenzeka ntoni kwiimarike zezemali. Ngoxolo lwengqondo lokuba uya kuba nakho ukucwangcisa uhlahlo-lwabiwo mali lwakho okanye losapho ngcono kakhulu kule minyaka izayo. Nokuba kunenzuzo yokuba kuya kuphucula kakhulu iindleko zobomi, kuxhomekeke kuyo yonke into enokwenzeka kuwe kwiminyaka embalwa ezayo. Umzekelo, ukuba awusasebenzi, umvuzo wakho uyehliswa emsebenzini okanye ulixhoba lengozi njengomntu oziqeshileyo. Kulapho ezona zibonelelo zibalaseleyo zibonelelwa ngobambiso oludityaniswe nenqanaba elimiselweyo ngaphezulu kwezinto eziguquguqukayo.
Izinto eziluncedo kwimali mboleko eguquguqukayo
Ngayiphi na imeko, awuzukukhetha ngaphandle kokulinganisa zonke izibonelelo ezinokuthi zikwenzele umyinge wemali mboleko, ngenxa yobudlelwane bayo obukhethekileyo kunye nesalathiso somgangatho waseYurophu. Ewe, ngaphakathi kwale meko ngokubanzi, igalelo lahlukile kwaye lahlukile, njengoko uza kubona ukusukela ngoku. Okokuqala, ungalibali ukuba utshintsho kwixabiso lemali lunokumela a imali ephantsi kwimeko yomdla ophantsi. Ukusuka kule ndawo yokujonga, ngumsebenzi olunge ngakumbi kwimidla yakho njengomsebenzisi oyinyani.
Kwelinye icala, kunokwenzeka ukuba ukwimeko yokwandisa ukuhlawulwa kwemali mboleko ukuya kuthi ga kuma-35 okanye ama-40 eminyaka njengelona xesha liphezulu. Into ekugqibeleni eya kuba luncedo kakhulu okoko uguquko lwe-Euribor lwalulolo lwalubonisile ukuza kuthi ga ngoku. Nangona kunjalo, ngako konke ukuqiniseka ukuba oku kunokwenzeka ngale ndlela. Akunjalo konke konke kuba awufanelanga ukulibala ukuba le-index ikhetheke kakhulu idweliswe yonke imihla kwiimarike zezemali. Kwaye ke ixabiso layo alisoloko lifana. Kwezinye iimeko zibangcono, kodwa kwezinye zineziphumo ezibi ezimbi. Ukuya kwinqanaba lokuba yinto ekufuneka uyilindele xa ucela umthombo wemali yokuthenga iflethi okanye indlu.
Bahlala bebambisa ngakumbi
Enye into ekufanele ukuba ibe yinto ekujongwa kuyo ngokukodwa kukuba kubhekiswa kumanqanaba akhoyo e-Euribor, iirhafu zokubolekwa kwemali kwixabiso baya kuba neminqweno ephantsi ngokubhekisele kwezo zilungelelanisiweyo. Ukuza kuthi ga kwinqanaba lokuba ungagcina imali eninzi ngeentlawulo zakho zenyanga nangayiphi na indlela nangaphezulu kunokuba unokucinga ukususela ngoku. Kwelinye icala, ikwaphenjelelwa yinto yokuba imali-mboleko ephantsi kokwahluka kwe-Euribor ayinayo ikhomishini yomngcipheko wenzala. Into ethi, kwelinye icala, ihlale isenzeka kuthi kwimali mboleko yemali mboleko esisigxina.
Ukuba lo mthombo wenkxaso mali uqhelekileyo kwimfuno yomsebenzisi ubonakaliswa yinto, kungenxa yokuba ithengiswa ikakhulu ziibhanki. Ewe, awuyi kuba nangxaki yokufumana imveliso enalezi mpawu. Nkqu kwiifomathi ezahlukeneyo, Ezinye zazo zinobuchule obuninzi ngenxa yokuphakama okukhulu okuboniswa yile marike ngalo mzuzu.
Ukuza kuthi ga kwinqanaba lokuba ungadibanisa kunye nemali-mboleko yenzala emiselweyo apho zenziwe njengeemodeli eziphakathi okanye ezixubekileyo. Kuxhomekeke kwiprofayili oyivezayo njengomthengi webhanki, oko kukuthi, emva kwayo yonke loo nto, yintoni ebandakanyekayo kwimfuno yezi ntlobo zeemveliso zebhanki. Nangona yonke into izakuxhomekeka kwindlela elihamba ngayo ixabiso lemali ukusukela ngoku. Apho yonke into ibonakala iphantsi kwendlela eya phezulu kwaye inokuphazamisa izicwangciso ekufuneka ujonge kuzo kwimali mboleko yokubolekwa kwemali.