Igatya lomgangatho yimeko ebandakanya okanye endaweni yoko ibandakanya indawo elungileyo yenkqubo yebhanki yaseSpain kwizivumelwano ze mboleko mboleko inqanaba eliguqukayo. Apho ezi zinxulunyaniswe nebhentshi yaseYurophu, i-Euribor, okanye ezinye iibhentshi ezingabalulekanga kangako. Ukufakwa kwayo kufuna ukuba umthengi ahlawule i- Umyinge omncinci okanye inzala, ngokuzimeleyo yokuvela kweemarike. Ngamanye amagama, awungekhe uzuze ekusebenzeni ngokugqwesileyo kwezi asethi zemali. Njengokuba kusenzeka kule minyaka idlulileyo, apho i-Euribor ibekwe kwindawo engathandekiyo, ebonisa umahluko we-0,161%.
Ngale ndlela, ukuba ubusayine isibambiso ngezi mpawu, uya kuba uhlawula inzala engaphezulu kunokuba kufanelekile. Nangona ngokusemthethweni, nangona ezinye iimpembelelo zokuhlukumeza njengoko yamkelwe yimibutho yezomthetho yaseSpain. Ayothusi into yokuba isiphumo sayo esiphambili kukuba uza kube uhlawula intlawulo ephezulu yenyanga kunokuba kufanelekile ukuba ubambiso luhlengahlengisiwe kwimeko yeemarike zezemali. Ke ngoko, ligatya eliyingozi kakhulu kwimidla yakho njengomsebenzisi webhanki.
Ukusuka kwimeko enjalo, isigwebo seNkundla ePhakamileyo kaMeyi 9, 2013 sabhengeza igatya lomgangatho lilize kwaye linyanzelisa amaziko asebhanki ukuba buyisela imali ehlawulwe ngaphezulu ukusukela kumhla wesigwebo. Kwelinye icala, ngesigwebo sase-Yuropu kwafika i-retroactivity inyanzelise amaziko emboleko ukuba abuyise imali ehlawulwe ngaphezulu ukusuka ekuqaleni kwisivumelwano semali mboleko.
Ungalichonga njani eli gatya?
Omnye wemishini yakho njengomsebenzisi webhanki oyiyo kukuchonga ukuba ubambiso osandula ukulufumana lubandakanya Igatya lomgangatho. Ingakumbi kwimeko apho unokuchaphazela okanye ulungise esi sehlo kuba iya kukwenza uhlawule ngaphezulu kwe-euro kunokuba bekucingelwe ngaphambili. Kwakhona, ukufaka iinkonzo zobungcali kwifemu yomthetho. Ewe, mininzi imiqondiso enokubonelela ngayo ukuba uyazi ukuba ujongene nemboleko mboleko yobambiso yezi mpawu.
Enye yezona zinto zixhaphakileyo yenziwe ngokwerisithi evela ebhankini yakho. Kungenxa yokuba unokujonga umxholo "uhlobo lomdla" ezisebenza kuwe ezivela kweli qumrhu. Kungenxa yokuba ngenene, ukuba ingaphezulu kwexabiso le-Euribor kunye nolwahluko, iya kuba luphawu oluchanekileyo lokuba ujongene nemboleko mboleko enegatya lomgangatho.
Jonga kwiziko lakho letyala
Ewe enye inketho yile buza ngqo ebhankini apho uyirhumele khona le mveliso yebhanki. Hayi ngelize, banembopheleleko yokuqinisekisa ukuba unalo igatya lomgangatho kwaye likuchazele, ukuba unayo, zithini iimeko zolu didi lweekhredithi.
Kwelinye icala, enye imeko eqhelekileyo inokuvela phakathi kwabasebenzisi beli klasi leemveliso zokuxhasa ikhaya. Ayikho enye ngaphandle kokuba ubungenayo okanye awuyi kuyifumana ikhontrakthi yemali mboleko yobambiso. Ewe, kule meko, awuyi kuba nesinye isisombululo ngaphandle kokummangalela. ngokusebenzisa i-notary wenze phi lo msebenzi. Oko kukuthi, isivumelwano osisayinileyo. Kolu xwebhu uyakufumanisa ukuba ubambiso olutyikityileyo lubandakanyile le meko yokuhlukumeza, eli ligatya lomgangatho. Ngaphandle kwamathandabuzo kwicala lakho kwaye oko kuya kukhokelela ekubeni uthathe isigqibo malunga noku. Ngaphandle kwezinto ezincinci ngokunxulumene nobukho beli xesha elivelisa impikiswano enkulu phakathi kwabasebenzisi baseSpain.
Ukuphonononga iirisithi zebhanki
Kungenzeka ukuba ngemizekelo yangaphambili awuyi kuza kwisigqibo sokuba ujongene negatya lomgangatho kwimali mboleko yakho yobambiso. Sukuba nexhala kakhulu malunga nolu lwazi luncinci malunga nobambiso lwakho. Uya kuba namanye amaqhinga amancinci aya kukwenza ucace kule mizuzu ziingxaki ezigqithileyo kulungelelwaniso lwabo. Elinye lamaqhinga onokulisebenzisa lixhomekeke kwinto elula njengoko injalo jonga irisithi yebhanki yentlawulo yokugqibela yemali mboleko.
Ewe, ngaphakathi kwalo msebenzi ulula, kuya kufuneka ujonge ukusukela ngoku ukuba ingaba inzala ebonakala ngathi ihlawulwe ayilingani nesixa se-Euribor kunye umahluko ekuvunyelwene ngawo. Kungenxa yokuba ngalo msebenzi uzakubona ukuba ubambiso olubhalisiweyo lunalo igatya lomgangatho, kwaye yintoni ebaluleke ngakumbi yeyiphi inzala eya kuthi yenziwe njengophahla. Kwaye ayizukuvumela ukuba uzuze kumaconsi kwisalathiso somlinganiso waseYurophu apho uninzi lwemali mboleko eyenziweyo kwiminyaka yakutshanje inxulunyaniswa. Ngaphandle kokuya kwamanye amajelo olwazi oluntsonkothileyo anokufuna ulwazi olukhulu ngezivumelwano ezikolu didi lweemveliso zebhanki.
Kutheni unomdla wokwazi olu lwazi?
Kubaluleke kakhulu ukuba uqokelele olu lwazi kuba uya kuba nakho ukwenza ezinye iinkqubo zetyala ngokuchasene necandelo lezemali elijongene nentengiso yolu hlobo lweekhredithi ezikhethekileyo ngokwenjongo yazo. Kuba ngenene kuya kufuneka uyazi ukusukela ngoku ukuba Inkundla yezoBulungisa kwi-European Union (CJEU) ixhase ukwenziwa ngokupheleleyo kokusebenza kwakhona kwamagatya omgangatho. Oku kubaluleke kakhulu kulo naluphi na uhlobo lwebango ofuna ukuliphumeza kwezi zihlandlo zichanekileyo.
Ayothusi into yokuba esinye seziphumo zeli nyathelo kubasebenzisi lithetha ukuba ukusukela ngoku, iibhanki kufuneka zibuyise inzala egqithisileyo ehlawulwe ngabathengi ababolekise ngemali kweli gatya. Ukuziqhelanisa oko kuthetha ukuba ukuba ukule meko kuya kufuneka babuyele kuwe isixa semali. Ngenxa yomahluko kwizavenge zenyanga ekufuneka uzihlawule endaweni yezo zisetyenzisiweyo kwiimodeli ezinegatya lomgangatho. Kuza kubandakanya ukuba ushiye inzuzo kakhulu kulo msebenzi mtsha wokunikwa kwengxelo.
Lithetha ntoni igatya lomgangatho?
Ngayiphi na imeko, kuyakufuneka ngokupheleleyo ukuba uqinisekise ukuba wena njengomsebenzisi ucinga ukuba unalo igatya lomgangatho kwimali mboleko yokubolekwa kwemali. Kuba umahluko phakathi kwabo bahlawulayo kunye nento ekufuneka uyihlawule ungaphezulu kakhulu, njengoko uza kuba nakho ukuqinisekisa ukusuka ngoku ukuya phambili. Ayothusi into yokuba sithethe ngegatya elikhethekileyo elinokuthi libanjwe yibhanki kwimali mboleko xa ityikityiwe. Apho eyona nto ibaluleke kakhulu kukuba iseke ifayile ye inzala encinci Kuya kufuneka uhlawule nokuba i-Euribor, ireferensi yemali-mboleko yaseSpain ingezantsi.
Ukuze uqinisekise ukuba imeko yokuhlukumeza kakhulu kangakanani kumaziko emali, akukho nto ilunge ngaphezu komzekelo olula. Nangona i-Euribor iwele kwi-0,75%Ukuba igatya likwi-2%, umrhumo wenyanga ubalwa ngokuhlawula eli nqanaba. Oko kukuthi, akukho meko uya kuba nakho ukuxhamla kokwehla kwesalathiso. Njengoko ibikhula kwiimarike zemali kule minyaka mihlanu idlulileyo. Apho isalathiso sokulinganisa saseYurophu sifikelele nakwindawo embi nakwezembali. Ngaphandle kwakho ngokwakho ukwazi ukusebenzisa eli thuba lilunge kakhulu kwimidla yakho njengomsebenzisi webhanki.
Ngayiphi na imeko, icandelo elilungileyo leebhanki ligqibe kwelokuba lithobe amaxabiso obambiso ukulungisa le meko. Oku kuguqulelwe ngokukhawuleza kusasazeka kukhuphiswano kwaye abanye babo bema amanqanaba asondele kakhulu kwi-2%. Ukongeza, ukushenxisa icandelo elifanelekileyo leekhomishini kunye nenkcitho kulawulo lwayo okanye kulondolozo. Ukuza kuthi ga kwinqanaba lokuba wena ngokwakho ucinge ukuba utyikitye imali mboleko yobambiso lokuthenga ikhaya lakho elilunge kakhulu. Xa enyanisweni ubuhlawula ngaphezulu ukufuna ukubhatalwa kwenyanga kunale nto uyityalayo.
Xa zingabonakali ngokucacileyo?
Enye into ekufuneka icacisiwe kukuba ingaba ezi meko zikhethekileyo ziyinxalenye yento ebizwa ngokuba kukuswela elubala. Ngale ndlela, awungekhe ulibale ukuba amagatya omgangatho asemthethweni xa ukuqaqamba kwawo kugunyazisiwe. Oko kukuthi, ukubambisa kubhalwe ngendlela elula kwaye ngaphezulu kwako konke kuyaqondakala kubo bonke abasebenzisi. Okwesibini, ukuba ibhanki ngokwayo ikwazisile ngaphambi kokutyikitya, kokubini malunga neli gatya kunye neziphumo ezinokuthi zikhule kuqoqosho lwasekhaya. Ngaphaya kwezinye izinto zobuchwephesha kunye nengqwalaselo yobalo.
Ezi ntlobo zeemeko zisebenza kwimali mboleko eguqukayo yenzala, phantse ihlala inxulunyaniswa ne-Euribor, emele ngaphezulu kwe-92% yeekhontrakthi esekwe eSpain, ngokweedatha zamva nje ezivela kwiBhanki yaseSpain. Nangona kuya kufuneka uyazi ukuba ayizizo zonke ezi zinto zibambisayo zithengisiweyo phantsi kweemeko zokungafihli nto.
Ayothusi into yokuba le yenye yemeko ethathelwa ingqalelo ukuphakamisa amabango phambi kweenkundla. Ngesi sizathu, kwahlukile ukuba banesigatshana somgangatho kunokuba bephuhlisiwe elubala oluncinci ngamashishini ebhanki. Zizinto ezahlukeneyo ezahlukileyo ekufuneka uzivavanye ukusukela ngoku kwaye ezinokukukhokelela kwizicwangciso ezahlukeneyo kwibango.