Iintsingiselo zobambiso onokuzibambisa

Iimali-mboleko zitshintshile, ngaba uyafuna ukwazi umahluko wazo?

Ukuvuselelwa koqoqosho lwaseSpain, ngokukhula kweMveliso yaseKhaya ePheleleyo (i-GDP) ejikeleze iipesenti ezi-3, kukhokelela kwakhona ekuvuseleleni intengiso yezindlu. Iintsapho kunokwenzeka ngakumbi ukuba zisayine imali mboleko yazo ukuze zixhase ukuthenga kwazo ekhaya. Ukuthatha inyani yokuba isalathiso somlinganiso waseYurophu, esaziwa njenge-Euribor, - apho uninzi lwemali-mboleko inxulunyaniswa nayo - ikwimbali esezantsi, ime kwi-0,51% ekupheleni konyaka.

Ukujongana nemeko yokudibana, abakho bambalwa abasebenzisi abavulekileyo ukuba babhalise kwimali mboleko yempahla kwiinyanga ezizayo. Nangona kunjalo, kufuneka bayazi loo nto ezi mveliso zebhanki azisalawulwa ziimeko ezifanayo zesivumelwano njengeminyaka nje embalwa edlulileyo. Batshintshile, ukuba hayi kakhulu, ukuba ubuncinci bokuzibuza ukuba bazokuchaphazela njani wena kwinkqubo yokuxhasa indlu leyo wayithanda kakhulu, kwaye ufuna ukuba ibe kwipropathi ukuze uzenzele kuyo.

Iimali-mboleko ziyaphuhliswa phantsi kokwehliswa komdla osebenzayo kubafaki-mabango abo. Kodwa cinga ukuba le meko ayizukuhlala ubomi bonke, kwaye nangaphantsi kwemiqathango yokubuya kwezi mveliso, kwaye nangaliphi na ixesha iintlawulo zakho zenyanga zinganyuka. Ngale ndlela, awufanelanga ukulibala ukuba ibhanki ekhupha iYurophu inokutshintsha umgaqo-nkqubo wezemali-njengoko kwenzekile e-United States-kwaye usike imeko yamaxabiso emali aphantsi kuzo zonke iintlobo zemboleko.

Kufuneka ikhunjulwe ukuba inzala kumda we-euro iphantse ibe kwi-zero, eluncedo kakhulu ekuxhaseni ngezimali kwezi meko zangoku. Ewe, imali-mboleko ibiza ixabiso eliphantsi, kwaye ngenxa yale meko yangoku, kuya kufuneka uhlawule izavenge ezincinci zenyanga. Le meko yokusebenza iya kuthetha ukuba uya konga i-euro ezininzi ngonyaka, kwaye ukuyiqinisekisa ngako konke ukuchaneka kuya kufuneka usebenzise ikhalityhuleyitha kuphela. Iindaba ezimnandi, ngaphandle kwamathandabuzo, zomdla wakho, kwaye oko kukusondeza kulungelelwaniso olusondeleyo lwemveliso.

Izibonelelo ezenziwa ziibhanki

Iibhanki ziphuhlise imali mboleko entsha ukuze uthenge ikhaya lakho elitsha

Indawo yemalimboleko yempahla ekuza kufuneka ujongane nayo ukusukela ngoku itshintshile kakhulu xa kuthelekiswa neminyaka edlulileyo. Ayisiyiyo kuphela imihla ebekiweyo ababonisa ngayo, kodwa nakwimbono yoyilo lwabo ngamaziko emali. Akumangalisi ukuba ukwenziwa kwayo ngokusemthethweni kuyakukuvulela kwiimfuno ezintsha, ngakumbi kwenye indlela enxulumene nale mveliso eyenzelwe ukuxhasa ngemali ukuthengwa kwekhaya.

Kuya kuba kubaluleke kakhulu ukuba uyithathele ingqalelo le nto ngalo mzuzu kanye wokutyikitya ikhontrakthi, kwaye uthathe ithuba lokufumana izivumelwano ezithile ukuze iimeko zifikeleleke ngakumbi kwiminqweno yakho yokurhuma le mveliso yebhanki. Ukubonelela ngeebhonasi xa ubudlelwane bakho nequmrhu bukhulu, kwaye ngale ndlela, gcina ubuncinci benxalenye yeendleko oya kuthi ujongane nazo xa uphuhlisa umsebenzi wokuthengiswa kwezindlu.

Ukukunceda ukuba ulungiselele lo msebenzi, kweli nqaku uza kuba nazo zonke izitshixo zokwazi ngokungqongqo ukuba ezi ziteshi zexesha elide zezemali zinjani. Ngenxa yesi sicwangciso, Kuya kuba lula kuwe ukubaqesha, ubalungelelanise neemfuno zakho kunye nenqanaba lomvuzo onalo okwangoku. Kodwa eyona nto ibaluleke kakhulu kukuba ubuncinci uya kuba nombono oqinisekileyo malunga nohlobo lwemveliso oza kuyifumana ukuba ufuna ukuxhasa ngezemali loo ndlu wayithandayo kakhulu ngenye imini.

Imihla emifutshane

Imali mboleko yelifa, ecinga ngokwemiqathango yokuhlawula ixesha elide, iphelile, ukuya kuthi ga kwiminyaka engama-50. Kwaye banokudluliselwa kumzali baye emntwaneni ngokulula. Okwangoku incitshisiwe kakhulu, ngokubanzi banomda ophezulu kwiminyaka engama-30, kuba nzima ukugqitha kuwo. Konke oku njengesicwangciso-qhinga esiphuhliswe ziibhanki ngokwazo ukuze inqanaba lamatyala eentsapho zaseSpain linganyuki, kwaye ngokuhambelana neengcebiso zebhanki ekhupha iSpanish ekupheleni kweshumi leminyaka elidlulileyo.

Ngale meko, ngoku unokuyilungisa ngokukhawuleza ngakumbi le nkqubo, nokuba ngowona mncinci, onamagama afanayo nalawo afumanekayo kubazali babo. Kwaye ukuba umbono wakho ibikukuhlawula ubambiso kwiminyaka engama-40 okanye engama-45, ulibale ngazo, kuba phantse akukho bhanki ithengisa ezi mboleko phantsi kwezi mpawu.

Abaxhasi mali ngalo lonke ixabiso lendlu

Enye indlela yokubolekwa kwemali entsha kukuba sele kunzima kubo ukuxhasa i-100% yexabiso lepropathi, njengangaphambili. Ngoku bafikelela kuma-80 okanye ama-85% omsebenzi, kodwa kunqabile ukuba baninzi. Ngenxa yolu rhwebo, awuzukukhetha ngaphandle kokufaka imali xa usiya kufumana izitshixo zendlu entsha. Ukuba awunamali oyigcinele le njongo, ungaqala ukuyilungiselela, kuba ngaphandle kwale meko kuya kuba yingxaki ngakumbi kuwe ukufezekisa iinjongo.

Kwaye ukuba le nto uyifunayo yimali mboleko yekhaya lesibini, imali evela kwiibhanki iya kuncipha kakhulu. Ngale ndlela, iya kuba ngabathengi abancinci abaya konzakala ngokwahluka kweemeko zesivumelwano. Kwaye apho ubuncinci banokufumana khona uncedo lwabazali.

Umdla ongezantsi

Imali yexabiso eliphantsi ivelise ukuba umdla wobambiso lubaphantsi

Njengomphumo wexabiso eliphantsi laseYurophu, inzala oya kuyithatha kwintsebenzo nganye incitshiswe kakhulu. Kwisibonelelo sangoku sokuphuhlisa kweebhanki ungafumana imali mboleko enomdla onxulumene ne-Euribor kufutshane ne-1% kwaye kwiimeko ezininzi ziyehliswa ukutsala inani elikhulu labathengi, kunye nokuvuselela icandelo lezindlu.

Kule nto kongezwe isicwangciso-qhinga sokurhoxisa okanye sokunciphisa iikhomishini ezinokubakho kwezi mveliso zebhanki (ukuvula, ukufundisisa, ukupheliswa ngokungaphelelanga okanye okupheleleyo, njl. Ngaphandle kokulibala ukuba bhetyebhetye ngakumbi owenzelwe kona. Ayilolize, kuya kusanda ukuba ukhethe phakathi komdla osisigxina okanye olunye uguquko, kuxhomekeke kwiimeko zentengiso, kwaye kunjalo, iprofayile oyivezayo kwisicelo sakho.

Vula iibhonasi

Kodwa ukuba isibonelelo sokubambisa ngoku kufuneka sahlulwe luphawu oluthile, ayisiyonto yimbi ngaphandle kwalowo ukuvuleka kwabo kwiminqweno yabo. Ngeebhonasi ezibonelelwa ngamaziko emali, kuxhomekeke kwinqanaba lonxibelelwano onalo nebhanki. Njengoko uneemveliso zebhanki ezibhalisiweyo (iiplani zepenshini, i-inshurensi, imali yotyalo-mali, idipozithi yekota ...) ukusasazeka kuya kuncipha. Kwaye kude kube ekugqibeleni kufikelelwe kwimveliso enokhuphiswano ngakumbi.

Akukho kunqongophala kwamanye amacebo obundlongondlongo kunokuba kuphuculwe iimeko zabo Kwaye banyanzelisa ukuba kufuneka wenze isivumelwano kunye nequmrhu i-inshurensi yekhaya, kunye nezinye iintlobo zemigaqo-nkqubo. Kungoko kuphela apho uya kukwenza ukuba uhlawule imali encinci kunaleyo bekucingelwa ngayo ngaphambili. Nangona uhlala unemida emxinwa kakhulu, ngaphandle kokufikelela kwizaphulelo ezinomtsalane kakhulu.

Ngomvuzo ongafunekiyo

Akusayi kubakho mfuneko yokuba wenze igalelo kumvuzo omkhulu

Ewe ngokunjaloKwimeko apho ufuna ukungenisa isicelo ukuze unikwe imali mboleko yokuboleka imali, hamba uyokulungisa umvuzo wakho (okanye umvuzo oqhelekileyo) ngaphambili. Ngelishwa awuyi kuba nesinye isisombululo sokuxhaswa. Kodwa ukuncitshiswa kwemivuzo yabasebenzi baseSpain kukhokelele ukuba iibhanki zithambise iimeko zazo.

Awusayi kuphinda ubonise umvuzo omkhulu ngenyanga, kodwa ukusuka kwi-2.000 euros kuyakwanela ukuba isicelo sakho samkelwe. Kukho namanye amaziko-ambalwa kakhulu ngalo mzuzu -imida esezantsi ejikeleze i-800 okanye i-1.000 ye-euro. Kwaye apho i-mileuristas inokuxhamla khona.

Ngapha koko, njengawe hlawula ngokubanzi, amathuba okufumanisa ubambiso luya kukhula kakhulu. Ukufikelela kwinqanaba lokufikelela kwizibonelelo ezinomdla kakhulu, kwaye apho unokufumana khona uthotho lwezibonelelo ezongezelelweyo. Hayi ilizeYintoni egcinwe ziibhanki emva kwakho kukuba uxhase lo msebenzi. Iikhontrakthi ezinzileyo ezinokhetho ngaphezu kwezo zinendalo yokugqibela. Ngokuchanekileyo kule yokugqibela, ubukho be-guarantor buya kuba yimfuneko ukwenza ibango lakho lisebenze.

Ngayiphi na imeko, Ukuba akunjalo, ungazisa ikhontrakthi esisigxina, kuya kuba ngcono ukuba ucinge ngezinye iindlela ezizezinye. Iziko lezemali alizi kuyoneliseka ligalelo lakho kwaye ekupheleni kwenkqubo liya kunika into ephikisayo. Iya kuyitshabalalisa inkohliso yakho, nokuba uzimele, okanye ngokuchaseneyo ufumane ikhaya elingcono kunokuba uhlala ngalo mzuzu.

Ukuvela kwetyala lobambiso

Idatha yamva nje ebonelelwe liZiko leSizwe lezeNkcukacha-manani (i-INE) libonisa ukuba ngenyanga ka-Okthobha u-2015, inani lemali-mboleko ehlawulwe eSpain inyuke kakhulu. Ngokukodwa, umyinge wemali ebolekiweyo ebhaliswe kwirejista yepropathi ngo-Okthobha (kwizenzo zikarhulumente zangaphambili) yayizi-euro ezingama-139.395, i-7,3% ngaphezulu kwenyanga enye ngo-2014. Ngo-19.195. Ixabiso eliphakathi yi-111.711 euro, ukwanda kwe-10,8%.

I-90,3% yeebambiso zobambiso ezenziwe ngo-Okthobha zisebenzisa iqondo lenzala eyahlukileyo, xa kuthelekiswa ne-9,7% yenqanaba elimiselweyo. I-Euribor lelona zinga lisetyenziswayo kakhulu kumgaqo-siseko wobambiso lwenzala eyahlukileyo, ngakumbi kwi-92,0% yeekhontrakthi ezintsha.. Umyinge wenzala ekuqaleni kobambiso lweepropathi zonke yi-3,11%, ngelixa i-avareji yekota yiminyaka engama-21. Umyinge wenzala, ekuqaleni, kobambiso olwenziwe kumakhaya yi-3,30%, i-8,2% isezantsi kunaleyo ibhaliswe ngo-Okthobha u-2014.


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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
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