Imakethi yokubambisa ngempahla ibonisa ukwahluka okuncinci ngokuqala kwento entsha, apho iqondo lokubambisa elibekiweyo lelona liphuhlisa owona msebenzi mhle ngeli xesha. Ngelixa ngokuchaseneyo, ezo zibekwe kwizinga eliguqukayo zibonisa ukwanda okwenzekayo kwi Umgangatho waseYurophu, kwi-Euribor. Ukuya kwinqanaba lokuba izikhundla ezinyukayo ukusukela oko yabetha amaxesha onke malunga neenyanga ezilishumi elinambini ezidlulileyo. Ngokukhula kokusasazeka kwayo okukhuthaza ngakumbi ukuhlawulwa kwenyanga ukusukela ngoku.
Idatha yaseburhulumenteni yamva nje ibonisa ukuba kwimali mboleko eyenziwe ngokwenani leepropathi, i Umyinge wenzala ekuqaleni yi-2,61% (5,7% isezantsi kunenyanga ephelileyo) kunye ne-avareji yexesha leminyaka engama-23, ngokwengxelo yakutshanje evela kwiZiko lezeNkcukacha-manani leSizwe (i-INE). Apho kufunyaniswa ukuba i-64,0% yemali mboleko ikwiqondo lenzala eguquguqukayo kunye ne-36,0% kwinqanaba elimiselweyo. Umyinge wenqanaba lenzala ekuqaleni yi-2,42% yemali-mboleko yexabiso eliguqukayo (i-0,7% isezantsi kunenyanga edlulileyo) kunye ne-3,07% kwiirhafu ezibekiweyo (14,1% ngaphezulu ngaphantsi).
Njengomphumo walo mzuzu wokudibana, iibhanki zithatha umkhwa omtsha ophawula intengiso yemboleko eSpain. Umahluko kumanqanaba enzala kule klasi yeemveliso, kwaye apho kubonakala khona ukuba ukusukela ngoku iya kuba yinzuzo ngakumbi thatha imali yokubambisa ebekiweyo endaweni yokutshintsha okwahlukileyo. Ngokumangaliswa kukuba kungasayi kubakho zimanga zalo naluphi na uhlobo ukujongana nentlawulo yakho kuba umrhumo wenyanga uya kuhlala uhleli, ngaphandle kokwahluka. Nokuba kwenzeka ntoni kwiimarike zezemali kwaye ke oko kuya kunika uxolo lwengqondo ngakumbi kubafaki-sicelo bale mveliso yemali.
I-Bankinter ihambisa ithebhu
Le bhanki yenye yezo ziye zahambisa izikhundla kwizibonelelo ezinikezelayo kubaxumi bayo. Ngale ndlela, kuphumeze ukuba ukwehliswa kwexabiso lokubambisa okungagungqiyo kangangeminyaka engama-20 kungoku Amanqaku angama-36 kwinqanaba lenzala elisetyenzisiweyo ukuza kuthi ga ngoku. Ngelixa ngokuchaseneyo, ibhanki igcina amaxabiso ayo engatshintshanga kunye neemeko kwimodi eyahlukileyo. Eli nyathelo linokubangela utshintsho kwimikhwa yabantu abaza kuthenga ikhaya ukusukela ngoku. Umahluko ekusasazeni kolu hlobo lwenkxaso mali kwiinjongo zokuthengiswa kwezindlu.
I-Bankinter iqala unyaka weshishini we-2019 ngonciphiso olukhulu kumyinge wenzala yemali mboleko ebekiweyo nakwi- icandelo eliqingqiweyo lomxube. Oku kukunciphisa ukuba, nangona ifikelela kuyo yonke imiqathango, kubaluleke kakhulu kwimali mboleko enexesha leminyaka engama-20, enye yezona zinto zifunwa kakhulu ngabathengi, inzala yabo iya kuba yi-1,99% ukusukela ngoku xa kuthelekiswa ne-2,35% yangaphambili, ethi imele ukuncitshiswa kwamanqaku esiseko angama-36.
Ngomdla ukuya kuthi ga kwi-2,40%
Ngale ntshukumo intsha, i-Bankinter yemali ebolekisiweyo emiselweyo iya kuba zezi zilandelayo: 1,65% kwixesha leminyaka eli-10; 1,90% isithuba seminyaka eli-15; 1,99% kwisithuba seminyaka engama-20; ngo-2,30% kwiminyaka engama-25; kunye nomyinge wenzala we-2,40%, ixesha elingaphezulu kweminyaka engama-30. Ngokubhekisele kwimali-mboleko yemilinganiselo exubeneyo, eyenziwe lixesha elimiselweyo kwaye, kamva, inzala eyahlukileyo de kube sekupheleni kwekota, ngoku beza kuma kwi-1,90% yekota yeminyaka eli-10; 2,20% kangangeminyaka eli-15; kunye ne-2,30% kwixesha leminyaka engama-20. Umahluko kwisahlulo esiguqukayo uya kuqhubeka ukubakho, ukuza kuthi ga ngoku, i-0,89%.
Amaxabiso akhankanywe ngentla kwimali ebolekiweyo yemali eqingqiweyo yale bhanki iyafumaneka kubathengi abadibanisa imali mboleko kunye ungena kwimveliso yempahla: ukwenza ikhontrakthi kwiAkhawunti yokuHlawula, iAkhawunti yoBuchule okanye iAkhawunti engeyiyo yokuHlawula (zonke zihlawulwa ngeAPR ye5% kunyaka wokuqala kunye neepesenti ezi-2 zonyaka wesibini ukuya kuthi ga kwi-5.000 yeeros), ikontraki yobomi ye-100% isixa semali-mboleko, i-inshurensi yekhaya kunye nesicwangciso somhlala-phantsi okanye i-EPSV neBankinter Seguros de Vida, igalela ubuncinci isixa semali esingama-600 eeyuro kwaye siyigcina isebenza ngexesha lokubolekwa kwemali
Bagcina iikhomishini ezifanayo
Ngokubhekisele kwiikomishini ezisetyenzisiweyo kwezi mboleko zihlala zinjalo ukuba i-bhanki isungule ixesha elide kule modality: ukuvula ikhomishini ye-1%, ubuncinci be-euro ezingama-500 kunye nembuyekezo yokurhoxa kwinxalenye, iyonke kunye / okanye i-amortization encinci ye-0,5% kwiminyaka emihlanu yokuqala yobomi kunye ne-0,25 % emva koko, ukongeza kumyinge wenzala kwimbuyekezo yomyinge we-0,75% esetyenziswa kuphela kwimeko apho ukurhoxiswa kwangethuba kuvelisa ilahleko yenkunzi yequmrhu.
Nangona kunjalo, imeko eqhelekileyo kwicandelo lebhanki kukuba iikhomishini ziyahamba ukwanda kwiinyanga ezizayo kwaye ngendlela eqhubela phambili. Ngokukodwa, imali mboleko enxulunyaniswe nexabiso lenzala eyahlukileyo. Kwizishumi ezimbalwa zepesenti xa kuthelekiswa neerhafu zakho zangoku okanye ubuncinci ukusuka kwiinyanga nje ezimbalwa ezidlulileyo.
Ubambiso olwahlukileyo kwi0,89%
Ngokumalunga nokubolekwa kweereyithi eziguquguqukayo, eli ziko lemali liyaqhubeka nokugcina ixabiso kunye neemeko ezifanayo ukusukela ekuqaleni kuka-Okthobha kunyaka ophelileyo: inzala nje kumiswe kunyaka wokuqala we-1,50%, kwaye ukusukela ngalo mhla: Euribor + 0,89%. Kwelinye icala, zombini iirhafu eziguquguqukayo kunye nemali ebolekisiweyo yokubambisa inokuthi ikhontrakthi phantsi kwendlela "engasayi kubakho imali mboleko" ebandakanya, ngesivumelwano kwaye ngaphandle kwendleko ezongezelelweyo, ixesha lokuhlawula.
Le nto ithetha ukuba kwimeko yokungahlawulwa kwetyala, umntu obambise ngempahla uyakuphendula kuphela kwaye ngokukodwa ngeasethi ethathwe njengesibambiso, ethi yona ibe likhaya elibanjiswe ngokwalo. Abantu abahlala eSpain nge Ingeniso yenyanga ngaphezulu kwe-2.000 euro, kwaye indawo ekuya kuyo imali kukuthenga indawo yokuhlala. Kwinto eyenziwe njengenye yeefomathi ezintsha eziqala ukuphuhliswa kunye nonyaka omtsha. Ngaphandle kwezinye izinto zobuchwephesha eziqhubekayo kwimveliso yebhanki efunwa njalo ngabasebenzisi baseSpain.
Amaxabiso aphezulu kakhulu asekhaya
Ngokophando lwesixhenxe lwe-ING Home and Mortgage Survey “Ingaba amaxabiso endlu aphezulu kakhulu?” Ama-63% abantu baseYurophu bakholelwa ukuba amaxabiso ezindlu azakuqhubeka nokunyuka kwiinyanga ezili-12 ezizayo. Ukongeza, ngaphezu kwesinye kwisithathu sabo bekungakholelwa ukuba banokuba ngabanini bamakhaya. Le ngxelo ibonisa ukuba ngokubanzi, amaxabiso ezindlu adityaniswa kwaye aphenjelelwa iimeko zentengiso zasekhaya. Nangona kunjalo, uninzi lwabemi baseYurophu, ngaphandle kwelizwe, bacinga ukuba amaxabiso endlu abahlala kuyo aphezulu kakhulu.
Ama-57% akholelwa ukuba izindlu ziyabiza, kunye nekota (21% kwimeko yaseSpain) banobunzima ekuhlawuleni irente okanye imali mboleko kwinyanga nganye. Kwinqanaba laseYurophu, abaqeshi banamathuba amaninzi kunabanini-mhlaba ukuchaza amakhaya kwilizwe labo njengexabiso (62% vs 55%) okanye ukungalunganga (32% vs 22%).
Utshintsho kumgangatho wenzala
Kule minyaka ilishumi idlulileyo, amaxabiso enzala ebesezantsi, athe anceda ukuqhubela phambili amaxabiso asekhaya ngelixa kusenza kubenzima ukuba abaninimzi abatsha bangene. Ngale ndlela, i-72% yabantu baseYurophu ekwenziwe uphando kubo, i-80% kwimeko yaseSpain, bakholelwa oko kunzima ukufumana ikhaya kubathengi bokuqala. Uninzi (iipesenti ezingama-65 ngokomndilili waseYurophu xa kuthelekiswa nama-68% eSpain) zibonisa ukuba le meko iye yambi ukusukela ngo-2015.
Apho enye yezona zinkulu kukufikelela kwimali mboleko yempahla egubungela amaxabiso aphezulu ahlala eSpain. Ngaphaya kokwahluka okusetyenziswe ziibhanki, kunye ne iikhomishini kunye nezinye iindleko kulawulo eziphethe ezi zinto zisisiseko kwiintsapho zaseSpain.
Nangona kunjalo kubonakala ngathi iqondo lobambiso lwemali eguqukayo aluyi kubonisa umahluko weminyaka edlulileyo. Ngenxa yotshintsho kwindlela eyenzekileyo kwibhentshi yaseYurophu. Ngaphezulu kwe-90% yemali ebolekisiweyo yexabiso elibanjisiweyo, ngokweedatha ebonelelwe liZiko leSizwe lezeNkcukacha-manani (i-INE). Akumangalisi ukuba abasebenzisi sele beqaphela ukunyuka kwemali yabo yenyanga kwiipokotho zabo kwiinyanga ezidlulileyo.
Ngokophando lwesixhenxe lwe-ING Home and Mortgage Survey “Ingaba amaxabiso endlu aphezulu kakhulu?” Ama-63% abantu baseYurophu bakholelwa ukuba amaxabiso ezindlu azakuqhubeka nokunyuka kwiinyanga ezili-12 ezizayo. Ukongeza, ngaphezu kwesinye kwisithathu sabo bekungakholelwa ukuba banokuba ngabanini bamakhaya. Le ngxelo ibonisa ukuba ngokubanzi, amaxabiso ezindlu adityaniswa kwaye aphenjelelwa iimeko zentengiso zasekhaya. Nangona kunjalo, uninzi lwabemi baseYurophu, ngaphandle kwelizwe, bacinga ukuba amaxabiso endlu abahlala kuyo aphezulu kakhulu.