Ubambiso luyimveliso ebalulekileyo kubomi babantu kangangokuba ayinakushiywa kuphuculo. Ayothusi into yokuba imali eninzi isemngciphekweni wokutyikitywa kwesi sivumelwano. Isixa esinokubhaliswa siphezulu kakhulu kwaye akukho mida ekunikezelweni kwalo mgca wekhredithi ubalulekileyo. Ewe, enye yeenjongo zabasebenzisi beli hlobo lemveliso yebhanki kukugcina imali eninzi kangangoko kunokwenzeka. Ukuze ngale ndlela, lo msebenzi ube nenzuzo ukusukela ngoku.
Kwimveliso enexabiso eliphezulu njengakwisivumelwano semali-mboleko yobambiso, ayinzima kakhulu ukonga imali kuyo. Esi sithintelo kwiinkcitho sinokuvela kumacandelo ahlukeneyo kwaye singakhokelela kulondolozo kufutshane Amanqanaba angama-20% kuhlahlo-lwabiwo mali lokuqala. Kwaye apho isixa esifunwayo siphezulu, siphezulu isixa semali onokuthi usonge. Ngalo naluphi na uhlobo lwezicwangciso onokuzenza ukusuka kulo mzuzu kanye.
Kwelinye icala, ngekhe ngenxa yokuba iibhanki zithambekele ekuphuhliseni ngokuthe rhoqo uluhlu olubanzi lokubonelela kunye nokunyusa okuvumela inkcitho yakho kwikhontrakthi yobambiso ukuba ibe sezantsi. Ngale ndlela, awungekhe uyeke ukulandelela olu didi lweemveliso ukuze uthenge indlu. Okungakumbi kuthathela ingqalelo into yokuba imali mboleko yokubolekwa imali inokufumana ixesha lokuhlawula inokufikelela kwiminyaka engama-30 okanye engama-40. Oko kukuthi, bonke ubomi obungaphambili apho uya kuxhomekeka kumrhumo wenyanga.
Ukunciphisa ubambiso: iikhomishini
Isicwangciso sokuqala ekufuneka ujonge ngaso ngeli xesha kukufumanisa ukuba imali mboleko yokubolekwa kwemali ayixolelwanga kwiikomishini nakwezinye izinto inkcitho kulawulo nokugcinwa kwayo. Ukuze ngale ndlela, ungonga ukuya kuthi ga kwi-3% kwimali efunekayo kwikontraki yale mveliso yebhanki. Unoncedo olukhulu lokuba ngalo mzuzu uninzi lweemali mboleko zobambiso zithengiswa phantsi kolu phawu lukhethekileyo. Ngeyona njongo iphambili onokuzibandakanya kuyo iindleko kurhwebo lwayo. Kungenxa yokuba oku emva kwayo yonke into oyilandeleyo.
Enye into ekufuneka ubenayo ukusukela ngalo mzuzu ukuya phambili kukuba olu xolelo kwinkcitho lunokuveliswa kwisikhundla sokhetho somenzi-sicelo wobambiso. Ukusuka kwizinto ezibizwa ngokuba yimali mboleko exhaswa ngesiqhelo Ifuna ukutsalwa ngqo kwi-payroll okanye umvuzo oqhelekileyo kubasebenzi abazisebenzelayo. Ukulungiselela le nto, ukhetho olubanzi lweemveliso zemali lucwangcisiwe. Ngaphandle kwezinye iintlobo zokuqwalaselwa kobuchwephesha obuqhelekileyo kwiimboleko ezifanayo.
Isasazeka ngezantsi kwe-1%
Imeko yangoku kumazinga enzala ikhokelele amaziko athile ezemali ukuba athengise le mveliso ngale meko kwisivumelwano sabo. Ngokubambisa ngokungahlawuliswa ngekhomishini kunye nezinye iindleko kulawulo nakulondolozo lwazo, kunye nokusasazeka okunokhuphiswano olunje malunga ngaphantsi kwenqanaba eli-1%. Njengomphumo wemeko yokwenyani yesalathiso somlinganiso waseYurophu, i-Euribor eyaziwayo, apho ngaphezulu kwe-90% yeekhontrakthi zerhafu eziguquguqukayo zinxulunyaniswa, ngokwe-National Institute of Statistics.
Ukuthatha ithuba ngesi siphakamiso semali-mboleko, kufuneka unxibelelaniswe kuphela nemali ebolekiweyo. Nangona ingezizo zonke izibonelelo ezijolise ekunikezeleni le miqathango kuqeshiso oluluncedo kakhulu kubafaki zicelo bale mveliso yebhanki. Iibhanki nje ezimbalwa kwaye ngendlela ekhethekileyo. Ngale ndlela, abasebenzisi baya kuba nakho ukugcina imali eninzi kulo msebenzi inokuhlala iminyaka engama-40. Ngokusebenzisa inkqubo yemirhumo engagungqiyo kude kube lixesha lokuvuthwa.
Isivumelwano nezinye iimveliso zebhanki
Esinye sezicwangciso onazo okwangoku zokonga imali ngokwenza isivumelwano semali-mboleko yokubolekwa kwemali yenziwe ngokubakho kwezinye iimveliso zebhanki. Umzekelo Izicwangciso zepenshini, iingxowa mali, iinkqubo zeinshurensi okanye zokonga. Ngogcino lweepesenti ezimbalwa kumyinge wenzala kwimali mboleko. Kwelinye icala, esi sicwangciso-qhinga sentengiso sikwabandakanya ukukhululwa kweekhomishini kunye nezinye iindleko kulawulo nakulondolozo lwayo. Ngalo lonke ixesha lokuhlala apho lo mthombo ukhethekileyo wemali uhlala khona.
Ngelixa kwelinye, ayinakulityalwa ukuba le nkqubo yebhonasi inyanzeliswa kwizindululo zebhanki. Njengenxalenye ye- inkqubo yokunyaniseka kakhulu yomthengi. Yimveliso yezemali eyenzelwe abathengi abatsha nabasekiweyo. Ngokusebenzisa iifomathi ezahlukeneyo ekufuneka zenziwe ngabahlalutyi bezicelo ukuba bahlalutye babonise ukuba yeyiphi eyona ndlela ifanelekileyo yokuqesha ukusukela ngoku. Ayothusi into yokuba banokukhetha kwizindululo ezahlukeneyo zokuxhasa ngemali ukuthenga ikhaya elitsha.
Gcina umrhumo ofanayo wenyanga
Ukuba into oyifunayo ayonyusi intlawulo yanyanga zonke, eyona ndlela ingcono yokwenza kukusayina umhlalaphantsi osisigxina. Phakathi kwezinye izizathu zokuba kutheni izakufezekiswa sukuchaphazeleka kukutshintsha kweemeko efanayo kwiminyaka emininzi apho uya kuba nale mveliso yezemali isebenza. Kwaye eyona nto ibaluleke kakhulu, nokuba kwenzeka ntoni kwiimarike zezemali kukuba enye yezinto ezinokuba nefuthe ekunyukeni kwemali ekufuneka uyihlawule ukusukela ngoku.
Kwelinye icala, le nkqubo yokuxhasa ngemali izindlu nomhlaba iya kukunceda cwangcisa ngcono uhlahlo-lwabiwo mali lwakho okanye uqhelekile ukusukela ngoku. Awuyi kuba nantlukwano kwintlawulo kwi-akhawunti kwaye iyakukunceda ukuze ungabinazoyikiso zomzuzu wokugqibela kule nkcitho kuya kufuneka uyenze iminyaka engama-20, 30 okanye engama-40. Esi sesinye sezizathu zokuba ibambiso yemali ebekiweyo inyuke kwiinyanga ezidlulileyo, ngokweedatha ezivela kwiZiko leLizwe lezibalo. Imeko engakhange yenzeke ixesha elide kwimikhwa yabenzi-zicelo beli klasi leemveliso zebhanki.
Vavanya umdla wokwenene wemveliso
Yintoni emele umfaki-sicelo ekubambiseni ngobambiso kwi-intanethi xa ehlawula imali encinci kangangoko kule mboleko? Ewe, ngokufanayo nakwimali-mboleko yendabuko, apho i-APR (iNqanaba eliLinganayo loNyaka), linani ekufuneka liqokelele yonke into engena kumaziko ezezimali xa enika imali mboleko. Yeyona nto ibonisa ukuba uyazi iindleko zomsebenzi. Ngokwemigaqo yeBhanki yaseSpain, kunyanzelekile kuwo onke amaziko ukuba ayipapashe kunye nenqanaba lenzala, kwaye injongo yayo kukulungiselela ukuthelekisa phakathi kwemali mboleko eyahlukeneyo. Ukuba ibhanki inekhomishini yokuvula, iya kufakwa kwi-APR; ukuba inyanzelekile, njengemeko yokunika ubambiso, ukuba uthathe ubomi, ukukhubazeka, okanye i-inshurensi yengqesho onjongo ikukuqinisekisa ukuba ibhanki ibuye intlawulo yemali mboleko, ipremiyamu iya kuqokelelwa kwi-APR; ukuba inzala esetyenzisiweyo kunyaka wokuqala iphezulu, iyakufakwa kwi-APR
Ewe ixabiso (i-Euribor kunye nolwahluko) elisetyenzisiweyo likwabandakanyiwe kweli nqanaba. Ke ngoko, xa uthelekisa amatyala amabini obambiso kwi-Intanethi, akufuneki uhlale nje ekwahlukaneni, kodwa kufanelekile jonga kwiAPR Kungenzeka ukuba imali mboleko yekhaya enokusasazeka okuncinci iyabiza kakhulu kunenye enomdla omkhulu, ukuba iikhomishini zokuqala ziyaphezulu kunezo zesibini. Ezi zinto ngaphandle kwamathandabuzo kuya kufuneka uhlawule ngokukodwa ukujongana neenkcitho ekuqeshweni kwabo.
I-Euribor yehlisa ipesenti yayo
Isalathiso se-Euribor, esisetyenziswa njengesalathiso esiphambili sokubeka inzala kwimali mboleko yemali mboleko enikezwe ngamaziko emboleko yaseSpain, iwele kwinyanga ephelileyo ukuya -0,134% ukusuka -0,112% kwinyanga edlulileyo. Ukuthatha iinyanga ezili-12 zokugqibela njengesalathiso, isalathiso irejista yokunyuka kwamanqaku ayi-0,054. I-Euribor ibalwa ngedatha yamaziko aphambili kwingingqi ye-euro kwaye inenqanaba lendawo yenqanaba lenzala elinikezelwa ngamaziko okwenza imisebenzi yediphozithi kwithuba elingangonyaka. Idatha ehambelana nenyanga kaMatshi ikwabonisa ukwehla, ukuya -0,134%, kwinqanaba le-interbank, ireyithi yebhanki yonyaka omnye esebenza njengereferensi esemthethweni yemarike yemali mboleko yokusebenza eyenziweyo ngaphambi kukaJanuwari 1, 2000.
Ukusukela nge-1 kaNovemba ngo-2013, iBhanki yaseSpain iyekile ukupapasha isalathiso esisebenzayo seebhanki zokonga -Isalathiso seCECA- kunye neqondo eliphakathi lokubolekwa kwemali mboleko kwiminyaka emithathu yokufumana izindlu zasimahla kwiibhanki kunye nolondolozo lweebhanki zokonga ngokuhambelana noko kungoku. umthetho. Izalathiso zala maxabiso ziya kutshintshwa, ukususela kuphononongo olulandelayo lwamaxabiso afanelekileyo, ngenqanaba lokutshintsha okanye isalathiso sesalathiso esinikezelwe kwisivumelwano.