Ukuba kukho imveliso yezemali ebaluleke ngokukodwa phakathi kwabasebenzisi, ayikho enye ngaphandle kokubambisa. Umgca we mali Kuya kufuneka ugqibe xa ufuna ukuthenga indlu ungagcinanga. Kodwa ngenxa yezizathu ezifanayo nawe iya kubandakanya uthotho lweendleko iminyaka emininzi, mhlawumbi ngokugqithileyo. Zombini ngokubuyela kwayo kunye nomdla kunye neekhomishini eziveliswe yimfuno yayo. Ukuza kuthi ga kwinqanaba lokuba iindleko zokugqibela ziya kuba phezulu kakhulu, kwaye apho ubeka umngcipheko wokungakwazi ukujongana nale ntlawulo ngenxa yeengxaki kumvuzo onayo inyanga nenyanga yokuthatha ikhontrakthi yolunye lwemali mboleko ethengiswa ngamaziko emali .
Ukusuka kule meko ngokubanzi, idatha yakutshanje evela kwiZiko lezeNkcukacha-manani leSizwe (i-INE) icace gca kwimeko yokubuyela kwimeko yesiqhelo kubasebenzisi bayo. Kungenxa yokuba, iyacaca ukuba isiqingatha semali yemali mboleko ebhaliswe kubhaliso lwepropathi ngoNovemba (ukusuka kwizenzo zikarhulumente ezenziwa ngaphambili) zii-euro ezingama-145.769, oko kuthetha ukuba yi-15,1% ephezulu kunexesha elifanayo kunyaka ophelileyo. Kwindlela enyukayo kwiinyanga ezidlulileyo, njengesiphumo sokubuyiselwa koqoqosho kwilizwe lethu. Kwaye oko kuye kwagqithiselwa nakwicandelo lobambiso.
Kwelinye icala, idatha yaseburhulumenteni yamvanje ikwabonisa ukuba inani lobambiso olwenziwe kumakhaya ngama-24.882, 3,7% ngaphantsi kunango-2016. Umyinge ophakathi yi-122.703 ye-euro, ngokunyuka konyaka kwe-10,7%. Ngokumalunga nexabiso lobambiso olwenziwe kwiipropathi zasedolophini, lafikelela kwi-4.844,0 yezigidi ze-euro, i-14,8% ngaphezulu kunonyaka ophelileyo. Emakhaya, i Imali ebolekiweyo ime kwi-3.053,1 yezigidi, kunye nokunyuka konyaka kwe-6,7%.
Inzala yobambiso
Kwimali mboleko eyenziwe kuzo zonke iipropathi, iqondo eliphakathi lenzala ekuqaleni li-2,77% (8,0% isezantsi kunango-2016) kwaye ixesha eliqhelekileyo lineminyaka engama-22. Kwelinye icala, i-65,9% yemali mboleko ikwiqondo lenzala eguquguqukayo kunye ne-34,1% kwinqanaba elimiselweyo. Uhlobo lwe inzala ephakathi Ekuqaleni yi-2,44% yemali-mboleko yexabiso eliguqukayo (i-17,1% isezantsi kunango-2016) kunye ne-3,63% yemali-mboleko yemilinganiselo emiselweyo (12,7% ngaphezulu).
Ngokumalunga nobambiso emakhaya, umyinge wenzala yi-2,71% (14,3% isezantsi kunoNovemba 2016) kwaye ixesha eliphakathi yiminyaka engama-24. Ama-63,5% eebambiso zemboleko zasekhaya zikwinqanaba eliguqukayo kunye nama-36,5% kwinqanaba elilinganiselweyo. Umyinge wemali mboleko ethe yafumana ukuhla kweepesenti ezi-6,5 kwireyithi yonyaka. Umyinge wenzala ekuqaleni ngama-2,54% kwimali ebolekwe kumakhaya amaxabiso adadayo (ukwehla nge-19,4%) kunye ne-3,10% kwimali-mboleko ebekiweyo (3,2% esezantsi).
Iirhafu zenzala zichaphazela njani?
Enye into ekufuneka uyivavanye ukusukela ngoku yindlela ukunyuka kwenqanaba lenzala okunokukuchaphazela ngayo. Ewe, kule ngqiqo yonke into iya kuxhomekeka ekubeni uqeshe inqanaba eliguqukayo okanye elimiselweyo. Ukuba yeyokugqibela, ngekhe woyike nakuphi na ukonyuswa komrhumo wenyanga kuba ayizukuchaphazeleka yile ntshukumo. Uya kuhlala uhlawula ngokufanayo, nokuba kwenzeka ntoni kwiimarike zezemali. Ayothusi into yokuba le yenye yezona zinto ziphambili zibolekisiwe kumgangatho wobambiso. Ukuba uyakuhlala uyazi ukuba yeyiphi imali oza kuhlawula ngayo ngokusesikweni kwayo.
Elinye ityala lahluke kakhulu lelo leentengo zemali mboleko eziguqukayo, ezibuthathaka kakhulu kutshintsho lwendlela. Oko kukuthi, ukunyuka okunokwenzeka kumazinga enzala. Kungenxa yokuba ukwanda kwepesenti enye kwinqanaba laseYurophu, i I-Euribor, isenokuthetha ukonyuka kweendleko zokuxhasa ngemali ukuya kuthi xhaxhe ngento oyihlawule ngaphambili. Njengoko ukonyuka kukhulu, inkcitho kwimali mboleko yakho iya kunyuka. Ngokwenqanaba lokuqina kwayo.
Loluphi uhlobo olulungileyo?
Kwezi kuqhelekile ukuba loluphi uhlobo lobambiso olungcono ekuliqesheni ukukhusela umdla wakho. Nokuba kukwizinga eliguqukayo okanye, ngokuchaseneyo, zilungisiwe. Ewe, okwangoku, eyokuqala inenzuzo ngakumbi. Esona sizathu siphambili kukuba isalathiso somgangatho ebekwe kuwo, i-Euribor, ikwelona nqanaba lisezantsi kuthotho lwembali. Kungenxa yokuba, ikwimeko embi, ngakumbi kwi-0,163%. Ngale ndlela, ikuvumela ukuba ugcine imali eninzi xa kuthelekiswa nezinye iindlela zokuzilolonga. Kungenxa yokuba ngaphezulu kwako konke uya kuba nemali efikelelekayo ngakumbi yenyanga ukucwangcisa uhlahlo-lwabiwo mali lwakho lonyaka.
Njengomphumo wemeko kwiimarike zezemali, ayothusi into yokuba amaziko emali asungule ezona zinto zibalaseleyo kwimali mboleko ayithengisayo ngoku. Nokuba kwezinye zazo, ngokusasazeka ngezantsi kwe-1%. Indlela yokufumana ikhaya lakho elilandelayo enokwenziwa kunye nohlengahlengiso olukhulu kwiindleko. Kuba bahlala bexolelwe kwiikomishini nakwezinye iindleko kulawulo lwabo okanye kulondolozo. Njengegalelo eliphambili lemali mboleko yobambiso ngeli xesha langoku.
Umngcipheko ekuqeshweni kwakho
Ngapha koko, kuya kufuneka uhlalutye le meko ayiyi kuhlala ngonaphakade, kude nayo. Kungenxa yokuba kufuneka uqaphele kwangaphambili ukuba ngamanye amaxesha okanye amanye amaxabiso enzalo aya kunyuka kwaye kuyingozi ekufuneka uyikhethile kule klasi yeemveliso zezemali. Ayothusi into yokuba abasemagunyeni kwimali yoluntu sele beqhubele phambili ukuba le meko izakwenzeka ekupheleni kwalo nyaka okanye mhlawumbi kweyona imbi ngexesha lika-2019. Ngayiphi na imeko, ungathandabuzi ukuba lo mzuzu uzakufika. Ngantoni
Ukuba le yimeko kule minyaka imbalwa izayo, ungathandabuzi ukuba intlawulo yanyanga mboleko yakho iya kubiza kakhulu de amanqanaba afikelelwe kukonyuka kwenzala. Ayisayi kuphinda ibe njengangaphambili kwaye kuya kufuneka unikezele umzamo omkhulu wemali ukugcina ikhredithi yobambiso lokuthenga indlu yakho. Iziphumo eziphambili zale meko kukuba indleko zokugqibela zokufumana le mveliso yezemali ziya kuba phezulu kakhulu kunokuba bekulindelwe. Iya kuba, ke, yinto engeloncedo ngokubhekisele kwimali-mboleko esekwe kwinqanaba elimiselweyo. Ungakulibali ukusukela ngoku ukuba uza kuyirhumela kwiintsuku ezimbalwa ezizayo.
Umrhumo osisigxina wemali mboleko
Le modal yobambiso, ngokuchaseneyo, ikuvumela ukuba ungabinalo naluphi na uhlobo lwezimanga ngexesha lesivumelwano. Kuba iyakuhlala ingatshintshanga kumagatya ayo, nokuba kwenzeka ntoni kwiimarike zezemali. Ngale ndlela, uya kuzola ngaphambi kokuba babenako yonyusa umrhumo wenyanga yemali-mboleko yakho. Nangona kunjalo, ukuba uyayiqesha xa ulonyuso sele lwenzekile, alithandabuzeki elokuba iyakuchaphazela nenqanaba lenzala eliza kusebenza kuwe. Ngokomlinganiselo wobunzima bokunyuka.
Kwelinye icala, ukutyikitya ireyithi emiselweyo yobambiso kunokukunceda uphephe ukunyuka okungalinganiyo kwiintlawulo zakho zenyanga nenyanga. Zenzelwe iprofayili yomsebenzisi echazwe kakuhle khangela ukhuseleko ngaphezulu kwezinye iindlela ezinoburharha. Ngale ndlela, kunokuba sisisombululo esifanelekileyo kunyuko olubonakalayo olubhengezwe yimibutho yemali yoluntu. Ukuya kwinqanaba lokuba ungagcina ii-euro ezininzi kulwakhiwo lwayo. Kuba ngekhe ubenothuselo olubi ngalo naliphi na ixesha ngexesha lobambiso.
Utshintsho kwindlela yokuthenga izinto
Ngayiphi na imeko, idatha yakutshanje evela kwiZiko leSizwe lezeNkcukacha-manani libonisa ukuhanjiswa okubambekayo kwemali mboleko inqanaba eliguqukayo ukuya kwinqanaba elimiselweyo. Umkhwa, kwelinye icala, owawungaveliswanga kwiminyaka yakutshanje. Kwaye nakweyiphi na imeko, balumkisa abasebenzisi ngokoyika ukufika okulandelayo kokunyuka kwamaxabiso emali. Ayothusi into yokuba sesinye sezicwangciso abanazo ngeli xesha lokuzikhusela kule meko yentengiso yemali. Ngaphandle komdla oboniswe yile mveliso yemali.
Ewe iyinto onokuyisebenzisa kwisivumelwano sakho ngexesha lokufumana loo ndlu okanye elo khaya ulithandileyo. Ngepesenti ezakonyuka kule minyaka imbalwa izayo nanjengemihla ezakuqala ngayo ezi ntshukumo, eziqwalaselweyo yimibutho yezemali ye-European Union, indlela. Kodwa kweyona meko imbi, ziya kwenzeka ukusukela kunyaka olandelayo ka-2019. Ithuba eliya kuthatha isigqibo sokutshintsha ikhosi yesi salathisi somgangatho.
Ukusukela ngexabiso layo elibi njengoko lisenzeka ngalo mzuzu emva kweenyanga ezininzi zikwimeko efanayo. Into eseza kuphela kwaye apho abasebenzisi ngoku abanemali mboleko yokubolekwa kwemali kwiqondo eliqingqiweyo banokufumana izibonelelo. Kuba ziya kuba zininzi i-euro ozigcina ngale ndlela.