Sele iyinyani ukuba xa unemali mboleko uza kuyibeka ngokusesikweni ngoku kwaye iya kubiza imali encinci ukusukela ngoku. Ngenxa yokunyuka kwenqanaba Umgangatho waseYurophu, I-Euribor, ebikwinqanaba eliphezulu iinyanga ezintlanu. Oku kwenzeke ukusukela ngoMeyi ophelileyo, ukuze ngale ndlela kushenxiswe kumgangatho osezantsi emva kokuqala konyaka kuye apho uhleli khona umile ngokupheleleyo. Ewe, azizondaba zimnandi kubasebenzisi ababhaptizwe kule nkqubo.
Isizathu sokuqala kukuba ityala lakho lobambiso lobambiso liya kubiza kakhulu, ngentlawulo yenyanga incinci Ukufuna ngakumbi. Nangona umahluko oya kuba nawo kwesi sikhundla uya kuba zimbalwa kakhulu i-euro, eyona nto ikhathazayo kukuba iya kuba sisiqhelo esiya kuthi siqinise ukusukela ngoku. Ukusebenza kwe ukuvela kweentlobo yomdla kwiimarike zezemali. Ngale ndlela, kufuneka kukhunjulwe ukuba abaphathi bezemali baseYurophu bazokuyitshona kwiinyanga ezizayo. Emva kokungashukumi kwi-0% ukusukela ngo-2014. Apho ixabiso lemali lalimalunga ne-zero. Oko kukuthi, u-zero
Ewe, oku kutshintshile ukusukela ngo-Okthobha u-2018, ukuhlaziywa kwesalathiso somgangatho waseYurophu kukhokelela ekunyukeni kwentlawulo yanyanga zonke yokubanjiswa kwemali ukusukela ngo-2014. Ngenxa yesiphumo se-Euribor amaxabiso amabi ngaphantsi kunakwenye imithambo. Oku kukhokelele kuphononongo lwemali mboleko yokubolekwa kwemali kunye nezicelo ezitsha ezisesikweni sonyuso lomrhumo wenyanga. Okwangoku isixa asibalulekanga kangako, sihamba sijikeleza i-10 okanye i-15 ngokuxhomekeke kwisixa esifunekayo. Kodwa iya kukhula ngokuthe ngcembe ukusukela ngoku. Ngokwokuphakama okuvelisiweyo kwixabiso lemali.
Uqikelelo lwexesha elizayo kule minyaka imbalwa izayo
Ngokumalunga noqikelelo lwesalathiso sebhentshi yaseYurophu, esaziwa ngcono njenge-Euribor, isebe lohlalutyo lweBankinter luchaza ukuba kwingxelo yesicwangciso sekota yesithathu yonyaka ka-2018 uqikelelo lwe-Euribor ka-2018 nango-2019, eyona nto ibonakalisa ukubalwa iinyanga ezizayo. Isibikezelo sakhe silindele i-Euribor yeenyanga ezili-12, esona salathisi siqhelekileyo sokubala imali mboleko, eya kuthi ijikeleze -0,17% kude kube sekupheleni kuka-2018.
Ngelixa ngokuchaseneyo, uqikelelo lwayo lwe-Euribor ngo-2018 luya kuhamba kuluhlu lwe -0,30% kunye -0,10%. Okokugqibela, uqikelelo lwe-Euribor lwango-2019 lulindele ukonyuka okuza kuba phakathi kobuncinci be -0,10% kunye ubuninzi be-0,30%, kunye nemeko esembindini eya kuhamba phakathi kwe-0,10% kunye ne-0,20%. Ngokumalunga nexabiso lenzala, abahlalutyi beBankinter bacinga ukuba «inzala ayizukutshintsha ngaphambi kwesiqingatha sokuqala se-2019 kodwa silindele ukuba inqanaba lediphozithi lifike kwi-0,0%, ngokuchasene ne -0,40% yangoku».
Ngomdla ophakathi we-2,20%
Kwimali mboleko eyenziwe kwiipropathi ngo-Juni, i-avareji yenqanaba lenzala ekuqaleni yi-2,49% (i-6,8% isezantsi kunoJuni ka-2017) kunye ne-avareji yexesha leminyaka engama-23, ngokwedatha yakutshanje ebonelelwe liZiko leLizwe lezibalo. INE). Ingxelo ikwabonisa ukuba i-62,9% yemali mboleko ikwiqondo lenzala eyahlukileyo kwaye 37,1% kwizinga elimiselweyo. Umyinge wenzala ekuqaleni yi-2,19% yemali-mboleko yexabiso eliguqukayo (i-11,3% isezantsi kunoJuni ka-2017) kunye ne-3,25% yemali mboleko ebekiweyo (0,5% ngaphezulu ngaphezulu).
Ngokubhekisele kwimali-mboleko kumakhaya, i-avareji yenqanaba lenzala yi-2,63% (4,5% isezantsi kunangoJuni 2017) kunye nexesha eliphakathi leminyaka engama-24, ngokweedatha ye-INE. Apho, i-60,8% yeebambiso zemboleko zasekhaya zikwinqanaba eliguqukayo kunye ne-39,2% kwinqanaba elimiselweyo. Kwelinye icala, amaxabiso obambiso olulinganiselweyo amava Ukuhla nge-2,2% kwizinga lonyaka. Umyinge wenzala ekuqaleni yi-2,43% yemali ebolekwe kumakhaya amaxabiso adadayo (ukwehla kwe-5,7%) kunye ne-3,03% yemali-mboleko ebekiweyo (3,5% isezantsi).
Utshintsho lweRegistry luyanda
Inani elipheleleyo lemali mboleko eneenguqu kwiimeko zabo ezibhaliswe kwirejista yepropathi yi-5.706, 22,8% engaphantsi kunoJuni 2017. Kwizindlu, inani lemali-mboleko eguqula iimeko zabo yehla ngama-26,3%. Ukujonga uhlobo lotshintsho kwiimeko, ngoJuni zikhona Imiboniso engama-4.476 (okanye uhlengahlengiso oluveliswe ngumbutho ofanayo wemali), ngehleko yonyaka engama-22,4%.
Kwesinye isigxina, kufanelekile ukuba sikhankanye ukuba inani lezinto ezitshintsha iqumrhu (amagqabantshintshi kumniki-mboleko) liyehla i-30,7%, ngelixa inani leemali-mboleko apho umnini wotshintsho lwempahla ebolekisiweyo (subrogations kulowo unetyala) ikhule nge-3,5%. Ngale ndlela, kukho umkhwa ohamba ukusuka ekubambeni ukuya kwiqondo elibanjisiweyo lobambiso, njengesiphumo sokutshintsha kwendlela kwisalathiso sebenchmark yaseYurophu, nangona iphantsi kwenxalenye engekabi sisininzi phakathi kwabasebenzisi beli hlobo lweemveliso zemali.
Inomdla ngakumbi kwi-2018
E-Spain, uninzi lwemali mboleko mboleko eguqukayo inxulunyaniswa ne-Euribor, ngokuchanekileyo kuba sisalathiso esenziwe ngomndilili weereyithi ezibolekwa ziibhanki. Ngokwe-National Institute of Statistics, ngaphezulu kwe-90% yemisebenzi yenziwa phantsi kwale meko. Ngelixa iimodeli ezishiyekileyo zemali ngokucacileyo zimbalwa phakathi kwabasebenzisi bebhanki. Ilinde isicelo se I-Euribor kunye indlela entsha yokudibanisa ubambiso kwaye iqala ukusuka kwiindlela ezinenjongo.
Isigqibo semibutho yemali yaseYurophu yokunyusa izinga lenzala yingxaki enkulu kwimali mboleko eguquguqukayo. Phakathi kwezinye izizathu kuba iya kubenza babize kakhulu ekuhlawuleni izavenge zabo zenyanga kunye nakwinqanaba eliya kuxhomekeka kubunzulu bolonyuso. Ukuya kwinqanaba lokuba inokuba yinto ebalulekileyo ekusayineni imali-mboleko esisigxina okanye eguqukayo ukusukela ngoku. Kungenxa yokuba abo bangaphambili banelungelo elikhulu lokusoloko bahlala uya kuhlawula ngokufanayo ngentlawulo yakho yenyanga. Nokuba kwenzeka ntoni kwiimarike zezemali kuba uya kuhlala uyazi ngalo lonke ixesha iindleko zokuqesha kwakho.
Iziphumo zokunyuka kwamaxabiso emali
Ngayiphi na imeko, zikhona ezinye iziphumo zokubambezela oku kunyuka kuya kubandakanya kule klasi yeemveliso zezemali kwaye kufuneka uyazi ukusukela ngoku. Umzekelo, abo sikubhenca apha ngezantsi:
- Iya kuba nzima ngakumbi kuwe ukufumana ikhredithi ngayo isasazeka ngezantsi kwe-1%, kanye njengokuba kwenzekile kuwe kude kube ngoku.
- IiKhomishini zinokunyuswa ngeshumi leepesenti ezimbalwa ukusuka kumaxabiso abo okuqala. Kuya kuba nzima ngakumbi ukufumanisa imali mboleko ekhululwe kwiikhomishini nakwezinye iindleko kulawulo lwazo okanye kulondolozo.
- Isenokuba lixesha lokuthatha umyinge wempahla obekiweyo thintela oku kuqaqanjelwa kwiimeko zokubolekwa kwezinga lokuguquguquka. Kwixesha eliphakathi nelide uza kuhlawula imali encinci ngezavenge zenyanga. Ukuhlawula ngokufanayo, nokuba kwenzeka ntoni kwixabiso lemali.
- Ayisiwo awona maxesha mahle ukuba ubhalise kule klasi yokubambisa betha phantsi ngokubhekisele kwindaleko yamazinga enzala.
Imali mboleko edityanisiweyo ye-Euribor
Kwi-5.706 yemali mboleko eneenguqulelo kwiimeko zabo, ama-48,5% ngenxa yotshintsho kumanqanaba enzala. Emva kotshintsho lweemeko, ipesenti yemali mboleko emiselweyo inyuka ukusuka kwi-7,0% ukuya kwi-14,6%, ngelixa obolekiso bemali mboleko eguqukileyo yehle ukusuka kwi-92,6% ukuya kwi-85,0%. I-Euribor linqanaba apho ipesenti ephezulu yemali-mboleko eguquguqukayo ibhekisa kuyo, zombini phambi kotshintsho (76,9%) nasemva (77,9%). Emva kohlengahlengiso lweemeko, umndilili wenzala kwimali mboleko kubungakanani bemali ebekiweyo yehle kumanqaku ayi-0,9. Iimali ezibolekwa ngamanani eziguquguqukayo ziye zehla neepesenti ze-0,9.
Ibhentshi yaseYurophu yile banxulumana nayo ngaphezulu kwe-90% yemisebenzi kumiselwa ngokusesikweni ngexabiso lenzala. Ngokucacileyo ubukhulu becala kwizivumelwano ezisayinwe ngabasebenzisi nangaphezulu kwezinye ii-indices njengangoku zimbinana ekwamkelweni kwazo. Kwelinye icala, idatha ebonelelwe liZiko leSizwe lezeNkcukacha-manani (i-INE) ikwabonisa ukuba uluntu oluzimeleyo olunelona nani liphezulu lobambiso olwenziwe kumakhaya ngoJuni luLuntu lwaseMadrid (6.399), eAndalusia (5.765) naseCatalonia ( 4.852).
Inani elipheleleyo lemali mboleko eneenguqu kwiimeko zabo ezibhaliswe kwirejista yepropathi yi-5.706, 22,8% engaphantsi kunoJuni 2017. Kwizindlu, inani lemali-mboleko eguqula iimeko zabo yehla ngama-26,3%. Ukujonga uhlobo lotshintsho kwiimeko, ngoJuni zikhona Imiboniso engama-4.476 (okanye uhlengahlengiso oluveliswe ngumbutho ofanayo wemali), ngehleko yonyaka engama-22,4%.
Ngale ngqiqo, kukho imeko ehamba ukusuka kuguquko ukuya kwiqondo elibanjisiweyo lobambiso, njengesiphumo sokutshintsha kwendlela kwisalathiso sebenchmark yaseYurophu.