Sisicwangciso esikhuthazwa ngamandla amakhulu ukuphucula iimeko zobambiso ngokumitha kwakho ngokwesivumelwano. Into elula njengokuguqula naliphi na icandelo lekhontrakthi ukuba lixhamle kwizibonelelo ezinikezelwa ngale mveliso yemali. Kodwa hayi kuzo zonke iimeko kufanelekile ukuba uyenze ibe semthethweni. Ngenxa yoluhlu lwezinto eziya kuxhomekeka ngokusisiseko kwi indleko Umsebenzi omtsha ubandakanya.
Ukuchithwa kunokwenziwa phakathi kwabantu kunye neyona nto ixhaphakileyo, phakathi kwamashishini emali. Ewe, lo wesibini, obizwa ngokuba kukunikezelwa kwetyala, kuboniswa phantsi kwefomathi ebhetyebhetye ye khuthaza ukhuphiswano phakathi kweebhanki. Kuba iquka ukutshintsha ubambiso lusuka kwelinye iziko lezemali liye kwelinye eliphucula kakhulu imeko yesivumelwano.
Izibonelelo ezininzi ezinokuthi zibonelele ukuba abasebenzisi baqulathe iindleko zabo. Kuba, eneneni, iyakuthintela ukurhoxiswa kwayo kwaye ngenxa yesi senzo, ukwenziwa ngokusemthethweni kwemali mboleko entsha yokubambisa. Isixa esigciniweyo emva kokwenza lo msebenzi ngokusesikweni sinokufikelela kwi-2% yenkunzi efunekayo, eliyimali ethathwe kukhululo lweekhomishini zayo eziphambili (ukurhoxiswa, ukufundwa okanye ukuvulwa). Ukuziqhelanisa kuya kuthetha ukuba kubambiso olumyinge lwe-200.000 ye-euro luya kuvelisa ukonga kufutshane ne-4.000 euro.
Njengefomyula yotyalo-mali
Ngeli xesha, isitena sele sisixhobo esitsha sokuhambisa utyalo-mali ngabantu ngabanye. Ukuza kuthi ga kwinqanaba lokuba abanye babo bakhethe esi sicwangciso-nkqubo sodwa sokwenza ukonga kwabo kunenzuzo. Zimbini izizathu zokuba ukhethe eli nyathelo kwaye liyenza yanelise kakhulu kwimidla yakho. Kwelinye icala, i intsebenzo ebuthathaka kwiziphumo zengeniso esisigxina (iidipozithi zexesha, amanqaku ezithembiso zebhanki, amatyala oluntu, njl. Apho kunqabile ukuba ubuye nembuyekezo enkulu kune-1%. Kwelinye icala, amathuba okuba ukunyuka kweemarike zentengiso aphelile. Okanye ukusikwa okubalulekileyo kunokuveliswa ukusukela ngoku.
Kwaye kwelinye icala, ukwanda okwenzekayo kwimisebenzi yokuthengiswa kwezindlu. Apho baninzi abasebenzisi abakhetha le nkqubo yenza iiasethi zakho zinenzuzo. Ngale ndlela, ukwehliswa kwenzala kwimali mboleko ethengiswe ngamaziko emali inento yokwenza nayo. Kwinto eyenziweyo njengebango lokubanikezela ikhontrakthi ngeemeko ezingcono ekuqeshweni. Ngokusebenzisa iindlela ngeendlela ezisetyenziswayo xa kusenziwa le mveliso yezemali.
Isasazeka ngezantsi kwe-1%
Ngale ndlela, iimali mboleko zobambiso onokuzifumana ukusukela ngoku ukuza kuthi ga ngoku kukhuphiswano oluninzi kunangaphambili. Akumangalisi ukuba ungazifumana namhlanje unemali ebambekayo enwenwe ngezantsi kwe-1%. Ukongeza, icandelo elikhulu lesithembiso esenziwe ziibhanki Ikhululiwe kwiikhomishini kunye nezinye iindleko kulawulo lwayo. Ngenkuthazo eyongeziweyo onokuyitshintsha ibambiso yakho ukuze ugcine imali ebaluleke kakhulu kwi-akhawunti yakho yokujonga.
Unikelo kweli klasi lemveliso liqhelekile phakathi kweebhanki. Kwaye kuyo nayiphi na imeko, banikezela ngenqanaba elincinci lenzala kunakwiminyaka embalwa edlulileyo. Ingxaki ekuphela kwayo ngokusesikweni kukuba imiqathango yokuvunywa kwayo iphakanyisiwe ngokukodwa. Akwanelanga ukubonisa irhafu, kodwa umsebenzi kufuneka uxhaswe ngu Imbali egqwesileyo yebhanki ngumthengi. Ikwanikezela nethuba lokunciphisa inzala ngobophelelo olukhulu phakathi komthengi kunye nebhanki yakhe. Ngale ndlela, iqondo lenzala linokwehliswa ngesishumi sepesenti. Nangona oku kuyimfuneko ukwenza ikhontrakthi nezinye iimveliso zebhanki. Phakathi kwazo, iimali zotyalo-mali, izicwangciso zepenshini, i-inshurensi yasekhaya okanye iidipozithi zexesha phakathi kwezona zibalulekileyo.
Inzala ekuthengeni ikhaya
Zonke ezi zinto zinefuthe elibonakalayo kwinto yokuba ukuthengwa kwekhaya kuyinyani. Kwaye elona liphezulu lokukhupha limelwe kukukhutshelwa kobambiso. Elinye iqhinga elenzelwe ukugcina ii-euro ezimbalwa kulwenziwo lomsebenzi. Nangona kuyakufuneka ukuyihambisa ngendlela echanekileyo. Kungenxa yokuba, enyanisweni, ayinakuhlala iyinto enenzuzo kwimidla yakho. Nkqu ungaphulukana nemali ukuba awuyihambisi kakuhle. Kungenxa yoko le nto kubaluleke kakhulu ukuba uyazi ukuba luhlobo luni lomsebenzi oyingqayizivele oluqulathe.
Ngale nto uya kuba noluhlu lweenkxaso ezixhasayo ezona njongo ziphambili ziya kuba kukwazi okungakumbi malunga nezi zinto zibambisayo. Kuba inokuba luncedo kuyo nayiphi na imeko onokuhamba kuyo. Apho kuyakufuneka kuwe ukuba utshintshe imali mboleko yakho yokuthenga izinto ukuze uphucule iiakhawunti zakho zobuqu kula maxesha. Ukuba ulandela ngononophelo ukuba le nkqubo ikhula njani, uya kuba nokulula okuncinci, kungekuphela nje ukutyala imali ekhayeni, kodwa nakwi yandisa ukusebenza. Kungenxa yokuba isitena saphinda saba ngomnye wemithombo ebalulekileyo yotyalo-mali.
Izinto ekubanjiswa ngazo ezinotshintsho lobhaliso
Nangona kunjalo, idatha yenyanga kaJuni kulo nyaka, kwaye ikhutshwe liZiko lezeNkcukacha-manani leSizwe (i-INE) ayinathemba kakhulu ngokwamkelwa kwale nkqubo yebhanki ngabasebenzisi. Kuba, enyanisweni, babonisa ukuba inani lezinto ezitshintshileyo izinto (ukuzithoba kumbolekisi) yawa ngama-37,4% xa kuthelekiswa nenyanga enye kulo nyaka uphelileyo. Ayothusi into yokuba lo msebenzi wenziwa xa uqiniseke ngokupheleleyo ukuba iimeko zekhontrakthi zale mveliso yebhanki ziya kuphuculwa. Into engasoloko isenzeka, njengoko iza kuqinisekiswa. Kwaye loo nto yenza abanini zininzi basabele kolu tshintsho lwesivumelwano.
Ngayiphi na imeko, ukwehla kwexabiso le-Euribor (- 0,124% ngenyanga kaMeyi) kubangele ukuba iibhanki ngoku zibe nemali mboleko kunye nokusasazeka okungaphantsi kwe-1%. Izinto ezibangela ukuba abanye abasebenzisi bafune ukutshintsha umgca wabo wekhredithi ngokuthenga ikhaya. Kwelinye, kulunge ngakumbi ngakumbi kwimidla yabo kwaye kuvelisa ukonga ngakumbi kwiindleko zabo. Ukusuka kumanqanaba aqala kwi-2%, okanye nangaphezulu, apho babeqeshwe khona kwiminyaka eliqela eyadlulayo. Ewe, kule meko kuluncedo ngakumbi ukwenza le ntshukumo yemali mboleko, kwaye ke kusengqiqweni ngokupheleleyo ukuba baluthathele ingqalelo olu tshintsho kwisicwangciso sabo sezemali. Kodwa ngothotho lwamanyathelo okhuseleko ukuze ungaphazamisi ulindelo lwakho lokugcina iindleko kwiakhawunti yakho yokujonga.
Ukuzalelwa ngendleko ngezoqoqosho
Nangona kunjalo, kubalulekile ukwazi ukuba lo msebenzi awuzukukhululeka nakweyiphi na imeko. Ukuqala, kuba kuya kufuneka kujongwane nayo uthotho lweemali ezikhutshwayo ngokusesikweni (I-notary, ubhaliso, ulawulo kunye neendleko zovavanyo). Nangona icandelo elithatha ngaphezulu igalelo lemali lihlala kwikhomishini esetyenziswe ziibhanki ngalo mbono. Phakathi kwe-0,25% kunye ne-0,50% kwi-balance balance, kwaye kwi-mortgage ye-100.000 euro ingafikelela kwi-500 euro. Le yipesenti evumelekileyo kuyo yonke imisebenzi eyenziweyo ukusukela ngo-Epreli 2003. Nokuba kunjalo, akusayi kubakho khetho ngaphandle kokuhlalutya amagatya ekhontrakthi ukuqinisekisa isixa sayo kwaye ukuba esi sohlwayo sibandakanyiwe. Kuba ayisiyiyo kangako yonke imali mboleko yempahla ayibandakanyayo. Imeko yakho iyahluka ngokuxhomekeke kwimodeli ekhethiweyo.
Inyathelo elilandelayo kukubala ukuba kuya kufaneleka na ukwenziwa ngokusemthethweni kobambiso olutsha. Kuba kunokwenzeka ukuba umahluko phakathi kwemali egciniweyo kunye neendleko zolu tshintsho zincinci. Okanye okona kulungileyo phantsi kweeyantlukwano ezingabalulekanga oko kuyakwenza intandabuzo ngokusebenza kweli nyathelo. Ukuza kwinqanaba lokuba uninzi lwezi meko, izihloko zithande ukuqhubeka njengangaphambili.
Izibonelelo ezinikezwe ziibhanki
Ayizizo zonke iibhanki ezibonelela ngeekhredithi zalo msebenzi. Ukuza kuthi ga ngoku ukuba isibonelelo esikhoyo ngoku kuya kufuneka sihlahlelwe ukubona ukuba zeziphi iimali mboleko ezinokuthi zitshintshwe ziziko kwaye phantsi kwaziphi iimeko. Olunye lolu khetho luvela kwi I-ING ngqo yeMboleko mboleko eOrenji Kuyathengiswa ngokufumaneka ngokupheleleyo ukuze abathengi bayo bakwazi ukukhetha enye imodeli yezemali ebonisa iimeko ezingcono. Kungenxa yokuba yenziwa ngaphandle kwayo nayiphi na ikhomishini yokuhanjiswa kwayo. Inkululeko yokwenza ngokusesikweni, ngenxa yoko, iphezulu.
Ubambiso lwesono seBhanki, ngenxa yenxalenye yalo, ivelisa ikhomishini ye-subrogation ye-0,50% kwiminyaka emihlanu yokuqala kunye ne-0,25% lonke ixesha ekuvunyelwene ngalo. Ezinye iibhanki, endaweni yoko, zisekela isicwangciso-qhinga sokurhweba ngokuthatha iindleko zolawulo, ubhaliso lwepropathi kunye novavanyo. Njengesicwangciso-qhinga sentengiso sokutsala inani elikhulu labathengi.
Nangona ngokubanzi i-surrogacy ayisiyonto yokusebenza simahla. Endaweni yoko, ifuna iindleko ezithile ezibangelwe kukumiselwa ngokusesikweni okanye ukohlwaywa kumaziko ezezimali ngokwawo. Isitshixo kukuba isixa esivelisayo sivelisa uthotho lokonga ngokunxulumene nemodeli yangaphambili yesivumelwano. Apho mhlawumbi sisindululo esigqibeleleyo esingunobangela wokutshintsha ingqondo yakho.