Enye yeendlela ezintsha zokuthengisa zi khredithi Iyenziwa ngemigca yokuxhasa ngezimali indalo. Esi sisizukulwana samva nje semigangatho yamatyala ekugqitywe kuyo ziibhanki. Zineenjongo ezichazwe kakuhle kwaye zilawulwa ziikhowudi zentengiso ezingenanto yakwenza noko kubizwa ngokuba ziikhredithi eziqhelekileyo. Ewe yindlela ye ukuziqhelanisa neemfuno ezintsha zabasebenzisi. Kwaye ziyahluka ukusuka kwicandelo lezemali ukuya kwiimfuno ezifunekayo kwikhaya lasekhaya ngokwalo. Ngayiphi na imeko, ngumgca wekhredithi onawo kwiibhanki okwexeshana. Njengendawo yokufumana ezinye zeemfuno zakho ezikufutshane.
Ngayiphi na imeko, isithembiso sikhuthaza utshintsho kwimodeli yokusebenzisa yabasebenzisi. Ngaphandle kokuphoswa yimali mboleko mboleko yezindlu eboniswe ngobizo lokuphucula kunye ukwanda eukusebenza kwamandla yezindlu. Umgca wezemali ongananto yakwenza nemali mboleko eqhelekileyo. Kungenxa yokuba oku malunga nokuthenga imoto yendalo, ukuguqula indlu phantsi kweekhrayitheriya zokuzinza kwendalo okanye nokufaka imbawula yelanga ekhayeni lakho. Ngenjongo ecace gca kwaye ayikho enye into ngaphandle kokonga umbane kwiindlela ezifanelekileyo zokusebenzisa.
Ezi ziimveliso zemali ezibonakaliswa kukuba baxolelwe kwiikhomishini nakwezinye iindleko kulawulo lwabo okanye kulondolozo. Apho enye yezona zinto zintsha zibalaseleyo zizisa kukudityaniswa kwe- ixesha lenceba ukuze ukubuya kube lula ngakumbi ukukhusela umdla wakho. Phakathi kwezinye izizathu kuba ekuqaleni uyakuhlawula imali encinci ngezavenge zenyanga. Elona xesha kanye apho inzame zezoqoqosho oya kuthi ujongane nazo ziya kubonakala kakhulu.
Ikhredithi yendalo kwisivumelwano
Ewe, iinjongo zayo zikhawulelwe ngakumbi kunezinye iintlobo zeekhredithi. Nangona enye yezona zinto zihlukeneyo onokuzifumana kwisibonelelo sebhanki yangoku yile imelwe yinto ebizwa ngokuba yiyo Izinto ezincinci eziphilayo. Ngeendlela ezincinci zekhredithi ezithengiswa phantsi kweemeko zekhontrakthi eziya kuba nesisa ngakumbi kunezinye iindlela. Oko kukuthi, ngenqanaba lokhuphiswano elinokhuphiswano ngakumbi kwaye ngokukhululekileyo simahla kwiikhomishini kunye nezinye iindleko kulawulo lwayo.
Esinye sezindululo sinokufumaneka ngeMicrobank, ekhuthaze i-Ecomicrédito phantsi kwesicwangciso sayo. Uthini lo mgca ukhethekileyo wekhredithi? Ewe, umahluko wendalo kunye nowobuqu ophawuleka kuba ujonge ukuxhasa ngemali ukuthengwa kweemveliso ezinobungqongileyo. Zombini ngokubhekisele kwizixhobo zasendlini ezahlelwa ngeelebheli zamandla zodidi A okanye ezingaphezulu kunye nakwizithuthi zendalo (iimoto, izithuthuthu, iibhayisekile zombane kunye nezithuthi zorhwebo). Inikezela ukuya kuthi ga kwi-25.000 euros Unakho ukuhlawula amatyala kwixesha eliyiminyaka emithandathu ubuninzi. Ngaphandle kokudityaniswa kwaso nasiphi na isiqinisekiso sokwenyani.
Imigca yemboleko eluhlaza
Le yimeko yokubonelela ebonelelwe liziko laseBasque Kutxabank kwaye ithengiswa phantsi kwegama leMali mboleko yeGreen. Ingasetyenziselwa ukuthenga isithuthi sendalo, izixhobo ezifanelekileyo okanye ukuguqula ikhaya kwesi sicwangciso. Yenza i umgca wekhredithi ukuya kuthi ga kwi-75.000 euro, kunye nexesha lokuhlawula iminyaka elishumi. Ifunyenwe ngenkqubo yemali engaguquguqukiyo kunye nokusisigxina rhoqo ngenyanga.
Ewe, elinye lamagalelo ale khredithi kukuba linenjongo ekhethekileyo onokufumana kuyo kubomi bakho bemihla ngemihla. Ngokuqhubela phambili phakathi kwe-3.000 kunye ne-60.000 ye-euro, ubuninzi bexesha leminyaka eli-10. Nangona kunjalo, kule meko a Ikhomishini yokuvula eyi-1%. Into engayenzi ukuba ibe yinzuzo ngokubhekisele kwenye inkxaso-mali. Le yinto enokuthi ngokungathandabuzekiyo yenzakalise umdla wakho ngexesha lokusayina ikhontrakthi. Kwelinye icala, iveza umdla ongezantsi kancinci kunoko kuphuhliswe kolunye uphakamiso lomntu okanye lomthengi.
Ifakwe kwimali mboleko
Nangona kude kube yiminyaka embalwa edlulileyo le migca ikhethekileyo yemboleko ibithintelwe kuphela kwimali mboleko yomntu, le meko itshintshe kakhulu. Ukuya kwinqanaba lokuba ide yafikelela ekufikeleleni kwimali mboleko, nangona iphantsi koluhlu lwezindululo ezithile kwaye kutheni ungatsho ngokuqinisekileyo ukuba yeyantlandlolo. Apho injongo yayo isekwe ikakhulu kwi ukukhuthaza ukusetyenziswa okuthembekileyo ngokwembono yendalo. Kodwa kwakhona, ukuvumela amakhaya amatsha ukuba agcine ii-euro ezininzi kunye nokusetyenziswa kwemikhwa emitsha yokusebenzisa.
Olu luvo lokuba oko kubizwa ngokuba Eco-mboleko ukuba i-Triodos ibikhula iminyaka eliqela. Kwelinye icala, ukunciphisa i-carbon dioxide (CO2), yenye yezinto ezivelisa ezona mpembelelo zintle kwezendalo kwaye inoxanduva lotshintsho lwemozulu olwenzeka kwiplanethi. Kwelinye icala, ukuba uyayiqesha, ukwimeko yokuphucula iimeko zekhontrakthi zenxalenye elungileyo yemali mboleko ebambekayo okanye engaphantsi eqhelekileyo efumaneka kwimarike yebhanki yelizwe. Phakathi kwezinye izizathu, kuba babonisa inqanaba lenzala eliphuma kwi-Euribor + 1,00%, kunye nomda oguquguqukayo we-1,86%.
Le mboleko ikhethekileyo, kwelinye icala, yenziwa ukuze isixa kunye nezinto abanomdla kuzo zibuyiselwe ku Elona xesha liphezulu leminyaka engama-30. Ukongeza, ukubonakala kwayo kwintengiso kuthetha ukuba ukusebenza kunokuqhutywa ukuya kuthi ga kwiipesenti ezingama-80 zexabiso elilinganisiweyo lepropathi eliyinto exhaswa ngemali. Ngayiphi na imeko, awungekhe ulibale ukuba ukuphuculwa kweemeko zesivumelwano ngokubanzi kuya kuxhomekeka ikakhulu kwisatifikethi samandla esiboniswa likhaya lakho ngexesha lokufunyanwa. Apho kungekho kuzo zonke iimeko iya kuba yimeko efanayo, njengoko kusengqiqweni ukuqonda kwezi ndlela.
Izibonelelo zeekhredithi zendalo
Ewe, lo mthombo mtsha wezemali awusoloko ufuna ibango lakho elikhethekileyo. Endaweni yokuba ukusetyenziswa kwayo kuthintelwe kwiimfuno ezithile onazo ebomini bakho. Apho, elinye lamagalelo alo aphambili lilele kwinto yokuba uya kube ulawula isenzo sakho ngeendlela zakho zokuziphatha kwaye mhlawumbi nakwiindlela zentlalo. Umahluko ophambili ngokubhekisele kweminye imigca yetyala ekubonelela ngayo kwiibhanki. Hayi ngelize, uya kuba unceda ukunciphisa icarbon dioxide (CO2) kwaye yenye yezona zinto zibalulekileyo ezivelisa ezona mpembelelo zimandla kwindalo esingqongileyo. Kungenxa yoko le nto unokuthembela kwezi mveliso zingafaniyo nezemali. Ubuncinci iminyaka embalwa apho ukuthengisa kwayo kwakungaqhelekanga kakhulu.
Kodwa ewe ayisiyiyo yodwa isibonelelo onokuyifumana ukusukela ngoku. Kungenxa yokuba enyanisweni, ukuba kukho into ephawula oko kubizwa ngokuba yi-ecological okanye i-mortgge eluhlaza ngokukodwa, kukuba abanini abatsha banesimo esifanelekileyo ukwandisa ukusebenza kwamandla yamakhaya abo. Ayothusi into yokuba oku kuqhubeka ukuba yenye yeenjongo zecandelo elilungileyo labasebenzisi okwangoku. Hayi ngefashoni, kodwa isigqibo sabo sisekwe ekufezekiseni umgangatho wobomi ophezulu kweli klasi lamakhaya. Ngelixa izakunceda ukuphucula umgangatho wendalo. Ngaphezulu kwezizathu ezaneleyo zokukhetha olu khetho.
Ukungancedi kwale mali
Ngokuchasene noko, iikhredithi zendalo zithatha uthotho lwezinto ezingalunganga ekufuneka uzithathele ingqalelo ukuvavanya ukuba ngaba ungawukhetha na lo msebenzi woqoqosho. Ukuya kwinqanaba lokuba unokuhendeka ukuba ungabaqeshi ukusukela ngoku. Njengakwimeko ezilandelayo esiza kuzichaza apha ngezantsi.
- Ngelo xesha isithembiso asisosininzi, ukuba akunjalo, ngokuchaseneyo, banqunyelwe kwiimfuno ezithile. Kwaye aziphuhliswanga zizo zonke izinto zebhanki. Iiakhawunti ezimbalwa kuphela ezibandakanya ezi mveliso zezezimali kwizibonelelo zazo.
- Ukuphuculwa kweemeko zesivumelwano Azikho ngokukodwa. Ukuba akunjalo, ngokuchaseneyo, isibheno sayo silele kolunye uthotho lweempawu ezizodwa.
- Ukuba into oyifunayo kukusebenzisa izibonelelo zokuxhasa ikhaya lakho kwiindlela zendalo Ewe, inokuba sisisombululo esonelisayo kakhulu kwimfuno ekhethekileyo ngolu hlobo.
- Ngokumalunga nekhomishini kunye nezinye iindleko kulawulo okanye kulondolozo, unokufumana ezinye eziphuculiweyo ngokubhekisele kwimigca eqhelekileyo yetyala. Hayi ilize ngokuqhelekileyo uxolelwe kwezi ntlawulo.
- Ukuba into oyifunayo yityala lomntu kwezi mpawu, kungangcono ukuba ulibale malunga nale ntengiso kuba ezi fomathi azikabekwa mthethweni. Kodwa kunjalo yenzelwe ezinye iimfuno Abasebenzisi bebhanki.
- Okokugqibela, awungekhe ulibale ukuba le yimveliso yezemali eyonyukayo. Apho ixesha ngalinye kuza kuvela iimodeli ezintsha zezi mpawu. Ngaphandle kwezinye izinto zobugcisa.