Ngeli xesha, enye indlela yotyalo-mali yemveli imelwe kukuthengwa kwendlu ukuze uyiqeshise kamva. Ngale ndlela, fumana umvuzo nyanga zonke ogqitha kulindelo lweemveliso zebhanki (ixesha elibekiweyo, amanqaku ezithembiso, iibhondi, njl. Njl.) Kunye nezo zenzelwe utyalo-mali. Apho uya kuba nobunzima obukhulu igqithe kumanqanaba angama-5% njengeziphumo zangoku zexabiso lemali kunye nokuvela kweemarike zezemali. Into ekhokelela kwinani elifanelekileyo labatyali mali ukuba bajike amehlo abo ladrillo, nangona kule meko ngokuqeshiswa kwezindlu.
Ngeli xesha, banikezela ngembuyekezo ephezulu kunezinye iiasethi zemali ezifanelekileyo. Kuba ngokwenyani, imali ungayifumana ngokurenta indlu ikhule yaya kwi-7,8% kwisiqingatha sokuqala sika-2018, ngophando lwakutsha nje olwenziwe yi-idealista real estate portal. Apho kuboniswa khona ukuba inzuzo ebonelelwa ngotyalo-mali emakhayeni ukuze ibenzele irente inyuke yaya kwi-7,8% ukusuka kwi-7,1% kunyaka ophelileyo, ngenxa yokomelezwa okufunyanwa yimfuno yokurenta.
Eli ingangumbono ogqwesileyo ukuze ukwazi ukwenza ukugcinwa kwakho kube yinzuzo ngakumbi ukusukela ngoku, kuxhomekeke kwimeko yokudibana eboniswe luqoqosho lwamanye amazwe nolwesizwe. Apho, kwa olu phando lunye luqinisekisa ukuba utyalomali lokuthengiswa kwezindlu eSpain, nakweyiphi na imveliso ehlalutyiweyo, inikezela ngerhafu yokubuya ephindwe kathathu, kwimeko embi, yeebhondi zikarhulumente zeminyaka eli-10. Isimemo sokuba uzame phucula ukulingana kweakhawunti yakho Ngale ndlela yodwa yotyalo-mali ebonakala ngaphezu kwako konke ngokhuseleko lwayo.
I-inshurensi yokurenta: ukuba luncedo
Eyona ngxaki iphambili kolu tyalo-mali lolunye kukuba abahlali abayihlawuli irente. Akumangalisi ukuba inike inqanaba lobugwenxa elixhalabisa kwaye likukhuthaza ukuba uthathe amanyathelo angaphezulu kwesinye ukukhusela ezi meko zingafunekiyo kubanini okanye kubatyali mali. Enye yeendlela a ukhuseleko olukhulu Yenziwa ngeinshurensi eyenzelwe ukuqeshisa ikhaya. Isenokuba sisisombululo esifanelekileyo ukunqanda ukuhamba kule meko ingathandekiyo yokungahlawulwa kwemali yokuhlala ekupheleni kwenyanga.
Kodwa ayizukumela kuphela umqobo wokuthintela kwelinye iqela, izalisekisa uxanduva lwayo lokukuhlawula irenti yokuhlala kwayo endlwini. Ukuba akunjalo, ngokuchaseneyo, sisicwangciso-qhinga sonke, ewe, sisebenza ngokukuko yibane ukuzikhusela ngokwasemthethweni kwiingxabano ezinokubakho nomqeshi. Ayothusi into yokuba iya kuba sesinye sezisombululo kolu hlobo lotyalo-mali, sukudala ingxaki engaphezulu kwesinye ngamaxesha athile obomi bakho. Njengokuba kusenzeka kwabanye abantu abagqibe ekubeni bakhethe irente njengefomula yokuphucula inzuzo yokonga.
Zinjani ezi mveliso?
I-inshurensi yerenti ibonakaliswa ikakhulu kuba iya kukunceda ufumane intlawulo yerenti yekhaya lakho. Ngokukodwa kwiimeko ezinzima apho kwiimeko ezininzi ungasayi kufumana ntlawulo kumqeshi omtsha. Ukuza kuthi ga kwinqanaba lokuba uthathe amanye amanyathelo asemthethweni ukuze uhlawulelwe ukusetyenziswa kwearhente yokuthengiswa kwezindlu. Kule meko, i-inshurensi yerente kunjalo iyakuqinisekisa ukuhlawulwa kwerenti xa kuthe kwenzeka nasiphi na isiganeko esibi kwiintlawulo ezenziwa lelinye iqela kwisivumelwano. Ngesizathu esilula kakhulu sokuchaza kwaye kukuba iya kuba yinkampani yeinshurensi ngokwayo eya kuthi iphendule kwezi ntlawulo ngendlela efanelekileyo kwaye yanelise iimfuno zakho zokwenyani.
Kodwa ayisiyiyo kuphela le inshurensi ezalisekisa lo msebenzi kuba baya kujongana nokukhusela imeko yale propati phambi komonakalo onokwenzeka ezinokwenzeka ekuhlaleni kwabo. Into edla ngokwenzeka rhoqo rhoqo kunye namagumbi ezi mpawu kwaye ngentlawulo yepremiyamu minyaka le uya kuba nakho ukuyiphepha ukusukela ngoku. Kwelinye icala, awungekhe ulibale ukuba eminye imigaqo-nkqubo inokuthathela ingqalelo ukugcinwa kwefanitshala ngokwayo kwaye nakwezona meko zixabisekileyo zezona zinto zibaluleke kakhulu kule propati yakho.
Njengento yokhuselo lomthetho
Ukusuka kwindlela eyahluke kakhulu, olu didi lukhethekileyo lweinshurensi lunokubonelela ngazo zonke iindlela zokuzikhusela ngokuchasene nasiphi na isimangalo onokuthi usithathe ngokuchasene nelinye icandelo lenkqubo, oko kukuthi, ngokuchasene nomqeshi omtsha. Ngayiphi na imeko, kuyinyani ukuba le mveliso yeinshurensi ayiqinisekisi ngentlawulo engasikelwanga mda. Ukuba akunjalo, ngokuchaseneyo, kukho umda omkhulu ofikelela ifikelela kwiinyanga ezili-16 okanye ezili-18, kwaye kuxhomekeke kwimveliso ongene kwisivumelwano nayo. Enye into ebaluleke kakhulu yile inento yokwenza neendleko zayo. Ngomrhumo oqhele ukumela phakathi kwama-300 ukuya kuma-500 euros minyaka le.
Kwelinye icala, i-inshurensi yezi mpawu ibonakaliswa ngu ngekhe ubenalo ulwazi lokuba umqeshi uhlawula inyanga nenyanga. Endaweni yokuba iya kuba ngumsebenzi oya kuthi ubekwe kwindawo eyodwa kwinkampani yeinshurensi uqobo. Ekugqibeleni, baya kuqinisekisa ukuba imali abakutyala yona iya kwiakhawunti yakho yokonga. Ngayo, awuzukulawula nayiphi na inkqubo. Kuyakukuthuthuzela kakhulu ukukhusela umdla wakho kuba awuyi kuphoswa ziintlawulo ngaphandle kokwenza nayiphi na inkqubo yolawulo.
Izinto eziluncedo zeinshurensi yerente
Alithandabuzeki elokuba ukwenza ikhontrakthi kule mveliso yeinshurensi kuya kukubonelela ngezibonelelo ezingaphezulu kwesinye kubomi bakho bemihla ngemihla ukuba unekhaya kwaye uthathe isigqibo sokurenta. Ngeenkonzo ezithile ezingafihlisiyo ekusenokwenzeka ukuba ubungenazo kwasekuqaleni. Kuba igalelo lalo mgaqo-nkqubo likunika into engaphaya kukhuseleko kwintlawulo yeentlawulo zenyanga, njengoko uza kuba nakho ukuqinisekisa ukususela ngoku ukuya phambili.
- Unako khetha iprofayili yomqeshi iflethi okanye indlu yakho. Nokuba uneefilitha ezinamandla zokujonga ukuba ngaba ingumbhatali olungileyo na nokuba ubandakanyiwe kuluhlu lwabangahlawuli. Kuba ekugqibeleni nguwe oya kuthatha isigqibo sokuba ngubani umntu ofuna ukuhlala kule propati kule minyaka imbalwa izayo.
- Uya kuba kakhulu ikhuselwe kumonakalo onokwenzeka ezinokuthi zenzeke kwipropathi kunye nezenzo zomqeshi. Ngale ndlela, abazukuchaphazela iiakhawunti zakho kodwa ezi ndleko ziya kuthathwa yinkampani yeinshurensi uqobo.
- Inxalenye ebaluleke kakhulu yale nkqubo kukuba uya kuba nayo umvuzo ozinzileyo uqinisekisiwe minyaka le, ngaphandle kwezenzo zabaqeshi. Unokucwangcisa ngcono njani iindleko kunye nomvuzo oza kuba nawo kule minyaka izayo. Ngenzuzo ephezulu kunaleyo inikezelwa ngezinye iimveliso zezemali. Kwaye ngendlela ekhuselekileyo neqinisekileyo ukusuka ekuqaleni.
- Uya kuba nenkulu ukhuselo nakweliphi na ityala ngokubhekisele kwelinye icala lomsebenzi. Nokuba yeyiphi na indle nenkxaso yenkampani yeinshurensi. Ngenxa yesi senzo, ayizukubandakanya inkcitho eyongezelelweyo enokuchaphazela ipokotho yakho.
Ufumana ntoni ngale polisi?
Ewe, ukuqesha i-inshurensi yokuqesha kuya kukunika uxolo lwengqondo ngakumbi kunangaphambili. Ngobuninzi beenkcazo ezahlukeneyo zendalo esikubhengeza zona ngokulandelayo.
- Ukusebenza kwerenti yendlu yakho okanye indlu yakho kuya kwenziwa elubala ngakumbi kunangaphambili. Apho kungasayi kubakho mfuneko yokuba uqaphele izinto ezinokwenziwa ngabaqeshi bakho abatsha.
- Uya kucaca isalathiso somntu Ngubani oza kuhlala kweli khaya kwezi nyanga okanye iminyaka elandelayo. Uya kuyazi iprofayile yakho ngalo lonke ixesha: udidi lomsebenzi, ubume bomtshato, ukuba unamatyala nomntu wesithathu, njl.
- Uya kuba nesiqinisekiso esipheleleyo sokuba uya kuba nazo ingeniso esisigxina minyaka le. Ngaphandle kweziganeko ezinokubakho zentlawulo ezinokuphazamisa uhlahlo-lwabiwo mali lomntu okanye usapho kule minyaka imbalwa izayo.
- Nge inzuzo ukuze ungabi nakho ukufumana ngeasethi yemali eqhelekileyo. Ngumahluko obaluleke kakhulu ngokwemali oza kuyifumana minyaka le nangexesha.
- Ayizizo iimveliso ezixabisa kakhulu, kodwa ungarhuma ukusuka kwimirhumo efikelelekayo kakhulu kuzo zonke iintlobo zoqoqosho lwasekhaya. Kuba ekupheleni kosuku, iyakuba yimodeli yeinshurensi eya kuthi ibonelele ngesisombululo esingaphezulu kwesinye sokukhusela umdla wakho.
- Luhlobo lwemigaqo-nkqubo ekhoyo Ithengiswa ziinkampani ezininzi ezikweli candelo. Ngothotho lweenkonzo ezongezelelweyo ezinokubonelela ngolunye uthotho lwezisombululo ekhayeni lakho.
- Okokugqibela, awungekhe ulibale ukuba yi-inshurensi esebenzayo xa ungekho kuyo yonke into eyenzekayo kule ndawo.