Ngaphakathi kwimarike yokuthengisa izindlu nomhlaba kunento enye eqinisekileyo kwaye oko kukuthi ukusukela ngoku ukuthatha imali mboleko kuya kubiza kakhulu kubantu abafuna ukuthenga indawo yokuhlala. Njengomphumo wenkqubela phambili, nangona icotha, inyuka kumgangatho waseYurophu, i I-Euribor. Kanye kunye neemeko eziya zisiba nzima ezibhankini zibeka kubenzi bezicelo zale mveliso yemali. Ukuza kuthi ga kwinqanaba lokuba namhlanje uhlawule i-euro ezimbalwa ngaphezulu kwintlawulo yenyanga yezi zinto zibambisiweyo.
Oku kubhekisa kwimali mboleko ebhaliswe ngenqanaba lenzala eyahlukileyo. Kungenxa yokuba abo banxulunyaniswe nezinga elimiselweyo bahlala kunye umda ofanayo wokulamla. Oko kukuthi, phezulu kodwa kungenzeki kwisisombululo sayo kwaye iyazinyanzelisa kukhetho lwabasebenzisi. Ukuza kuthi ga kwinqanaba lokuba bafumene isabelo esikhulu semarike kwezi nyanga zidlulileyo ngenxa yale meko intsha ithengiswa yimarike yokuthengisa izindlu nomhlaba ukusukela ngoku.
Ngayiphi na imeko, abafaki-zicelo bale mveliso yebhanki ifuneka kakhulu baneendlela ezininzi zokuphucula iimeko zabo ukwenza isivumelwano semali-mboleko. Ayizukuthatha umzamo omkhulu ukuyenza kwaye endaweni yoko uya kuba nakho ukugcina i-euro ezimbalwa minyaka le. Ngaphaya kwexesha lezorhwebo elimiselweyo kumaziko emali. Kungenxa yokuba yintoni malunga nokuphela kosuku kukuba ukwenziwa ngokusemthethweni kwale mali yokuthenga ikhaya akufuneki kangako ukusukela ngoku.
Isitshixo sokuqala: thatha ithuba lokubonelela
Ngaphandle kokunyuka okuncinci kwemali mboleko yempahla, akukho mathandabuzo okuba iibhanki ziyaqhubeka nesicwangciso-qhinga sokuthengisa ukukhuthaza izibonelelo kunye nokunyusa ukuthengisa le mveliso isisiseko kwinxalenye enkulu yeentsapho zaseSpain. Ngokusebenzisa izindululo ezibonisa ngakumbi nangakumbi ukwanda kukhuphiswano kwaye ungagcina ngayo i-euro ezimbalwa inyanga nenyanga. Ngaphantsi kokuncitshiswa kweshumi leepesenti ngokuthelekiswa neerhafu zokuqala. Ukuze ngale ndlela babambe imali yokhuphiswano kwaye bandise inani lemali mboleko abayabayo kubaxhasi babo.
Elinye lamaqhinga asetyenziswa ngamashishini ebhanki yile ukupheliswa kwekhomishini kunye nenkcitho kulawulo okanye kulondolozo lwayo. Oku sele kuyinto eqhelekileyo kwiinyanga zamva nje zokuphehlelela imveliso ekhulayo kwaye inokuba nomdla ngakumbi kubafaki zicelo abatsha bale mveliso yemali. Akunakulityalwa ukuba ezi nkcitho zinokumela ukuya kwi-3% yemali efunekayo. Oko kukuthi, imali eninzi isemngciphekweni wezixa eziphezulu njengokuphathwa kwezi mveliso zezemali.
Ukubolekwa kwemali mboleko engaphantsi
Ngenxa yeempawu zangaphambili zobambiso, isisombululo sokuzithoba sinokuveliswa ngokuhanjiswa kwale mveliso. Kuba ngenene, akukho mathandabuzo okuba iimeko zezinye iibhanki zinokwanelisa ngakumbi ngala maxesha achanekileyo. Kodwa iya kuba yimfuneko ngokwenene kubalwa ulawulo lwalo msebenzi wemali. Kwaye into ebaluleke kakhulu, kukuqinisekisa ukuba kukho ikhomishini ye-subrogation engenza ukuba le ntshukumo yemali mboleko ibize kakhulu ukuya kuthi ga kwi-2%.
Ngelixa kwelinye icala, ukwenza olu tshintsho kwinkxaso-mali yekhaya kuyakufuneka ukuba umahluko phakathi komnye nomnye ubuyekeze ukusebenza. Ngamanye amagama, ityala elitsha lobambiso kufuneka libize kakhulu utshintsho lufanelekile. Akunakuze ngezixa ezingafanelanga ukuba sizithembe zahluke kuhlobo lobambiso esilubhalisileyo nangaliphi na ixesha lobomi. Ngayiphi na imeko, iya kuba kukusebenza okufuna ukubalwa okuninzi ukuze sazi imali esiza kuyonga.
Khetha iikhontrakthi zerhafu emiselweyo
Esinye sezisombululo ezinikezelwa yimarike yokuthengisa izindlu nomhlaba kukubhenela kwiqondo lobambiso lwexabiso elibekiweyo kumonakalo wamaxabiso. Ngezizathu ezahlukeneyo, nangona enye yezona zinto zinamandla isusela kwinto yokuba siza kuhlala sihlawula imali enye yenyanga. Nokuba kwenzeka ntoni na kwinqanaba lenzala kwiimarike zemali. Nangona ekuqaleni singabhatala imali ephezulu yenyanga kwixa elide iya kuba ngumsebenzi onenzuzo ngakumbi. Ngokukodwa ngaphambi kokunyuka kwexabiso lemali kumazwe e-euro. Ukongeza, ngoncedo lokuba ngalo lonke ixesha siyakuyazi inkcitho ekuza kufuneka sijongane nayo ukwenza ikhontrakthi yale mveliso yebhanki.
Kwelinye icala, asizukuba nezinto ezothusayo kwisavenge kwiminyaka eqhubeka kwimali mboleko yobambiso. Ukuze ngale ndlela, sikwazi ukulawula ngcono uhlahlo lwabiwo-mali usapho okanye ubuqu. Ngenxa yezi zizathu, ukubuyela kwemali ebolekiweyo esisigxina abanayo kwimfuno yabasebenzisi bebhanki ayothusi. Esinye sezona ziphakamileyo kule minyaka idlulileyo nesikhatshwa kukhululo lweekhomishini kunye nenkcitho evela kulawulo lwayo okanye kulondolozo. Nangona okwethutyana ingeyonto enenzuzo, iphakathi kwaye ingakumbi inde. Ngokonga okubaluleke kakhulu okuya kubonakala kwimeko eyiyo yeakhawunti yethu yokonga.
Ukunciphisa ixesha elibekiweyo
Inkqubo engaze isilele ukuhlawula imali encinci kule mveliso yemali ineekhontrakthi zobambiso kunye nelona xesha lifutshane. Nangona iintlawulo zenyanga zizakufuneka ngakumbi kwasekuqaleni, ekugqibeleni siya kuhlawula imali encinci ngenzala. Ngelixa kwelinye icala, inqanaba lethu lamatyala liya kuncitshiswa. Phakathi kwezinye izizathu kuba siza kuhlawula ityala lethu ngolindelo olukhulu. Ungarhuma ukuya kwiminyaka eli-10, eli-15 okanye engama-20 kuxhomekeke kwiimfuno zabenzi-sicelo. Ukuba sesinye isicwangciso esifanelekileyo sokuhlawula imali encinci yokuqesha le modeli yokuxhasa imali ekhaya.
Ngelixa kwelinye icala, asinakulibala ngeli xesha ukuba ixesha elifutshane kwimali-mboleko ivelisa ezinye izibonelelo ezongezelelweyo. Umzekelo, for khangela olunye uhlobo lweekhredithiukuselwa, abantu okanye ukuthengwa kwezinto ezilungileyo. Okanye yintoni efanayo, uya kulibeka eli tyala elihlala iminyaka emininzi kangaka ukuze ubhalise elinye elinelona xesha lincinci ngexesha. Ngaphandle kolunye uthotho lokuqwalaselwa kobuchwephesha okuya kuba ngumxholo wolunye ulwazi.
Abaluniki uvavanyo olupheleleyo
Kukwabaluleke kakhulu ukuba uqaphele ukuba ngeli xesha iibhanki azisakuniki i-100% yemali yentengiselwano yokuthengiswa kwezindlu. Kodwa kuya kufuneka uzilungiselele Iipesenti ezingama-70 okanye ezingama-80 zomsebenzi kwimeko elungileyo. Le nto yokwenza oko kuthetha ukuba ukusukela ngoku kuya kufuneka ube namandla amakhulu okonga ukuze ufezekise eyona njongo yakho ikufutshane, ekungekho enye ngaphandle kokuthenga loo ndlu uyithandayo kakhulu.
Ukuba akunjalo, awuyi kuba nethuba lokumisela ngokusemthethweni ikhontrakthi kunye nebhanki yakho yesiqhelo. Ngenxa Mna baya kusikhaba isicelo ukuba ubonise ukuba utyikitye intengiselwano yobambiso. Ezi zinto, ngokufutshane, awuyi kukhetha kodwa uziqwalasele ukusukela ngoku ukuya kwimvumelwano yemboleko mboleko. Nokuba yeyiphi iprofayili oyivezayo njengommangali. Okanye yintoni efanayo, uya kulibeka eli tyala elihlala iminyaka emininzi kangaka ukuze ubhalise elinye elinelona xesha lincinci ngexesha. Ngaphandle kolunye uthotho lokuqwalaselwa kobuchwephesha okuya kuba ngumxholo wolunye ulwazi.
Inzala kwiqondo lobambiso
Inani leemali ezibanjiswe emakhaya zingama-30.716, 15,8% ngaphezulu kunango-Matshi 2018, ngokutsho kweNational Institute of Statistics (INE). Apho kuboniswa khona ukuba isixa esiphakathi yi-125.341 euro, ene-a Ukunyuka nge-3,9%. Inani eliphakathi lobambiso olubhalisiweyo kwiirejista zepropathi ngo-Matshi (kwizenzo zikarhulumente ezenziwa ngaphambili) zii-euro ezingama-146.544, i-6,9% ngaphezulu kunenyanga enye ngo-2018.
Ingxelo ye-INE ikwabonisa ukuba kwimali mboleko eyenziwe ngokwenani leepropathi ngo-Matshi, uhlobo lwe Umyinge wenzala ekuqaleni ngu-2,58% (2,3% isezantsi kuno-Matshi 2018) kunye nexesha eliqhelekileyo leminyaka engama-23. I-60,6% yemali mboleko ikwiqondo lenzala eguquguqukayo kunye nama-39,4% kwizinga elimiselweyo. Umyinge wenzala ekuqaleni yi-2,27% yemali-mboleko yexabiso eliguqukayo (i-7,1% isezantsi kuno-Matshi 2018) kunye ne-3,24% yemali-mboleko yemilinganiselo emiselweyo (4,1% ngaphezulu ngaphezulu).
Ngelixa kwelinye icala, kwimali mboleko eyenziwe emakhaya, i-avareji yenqanaba lenzala yi-2,62% (0,1% ephezulu kunango-Matshi 2018) kunye nexesha eliphakathi leminyaka engama-24. Iipesenti ezingama-58,1% zemali ebolekwayo yasekhaya zikwinqanaba eliguqukayo kunye nama-41,9% kwizinga elimiselweyo. Umyinge wemali mboleko ehleliyo ifumene ukonyuka komyinge wama-24,5%. Umyinge wenzala ekuqaleni ngama-2,34% kwimali ebolekwe kumakhaya amaxabiso adadayo (ukwehla kwe-2,7%) kunye no-3,11% kwimali-mboleko ebekiweyo (1,6% ngaphezulu).