Ukuthatha isigqibo phakathi kokubambisa okungaguqukiyo okanye okungafaniyo kunokuba yingxaki ukuba asiqinisekanga ukuba siphi. Ingxaki yabantu abaninzi xa uza kutyikitya ityala lobambiso, uthathe isigqibo phakathi komnye nomnye. Ngokwenyani, Zombini ezi ndlela zinokukhetha zilungile kwaye zibi, kodwa yonke into iya kuxhomekeka kwimeko akuyo umntu. Umxholo onokuphela uphembelela esona sigqibo uninzi lunokuba yimigaqo-nkqubo yezemali, ikapitali iyafumaneka, kunye nolwazelelo lweemvakalelo emngciphekweni okanye hayi.
Zininzi iiwebhusayithi ezithetha ngezibonelelo kunye nezinto ezingalunganga zokufumana ubambiso olungatshintshiyo okanye olwahlukileyo. Inokuba iyabhidisa into yabantu abangaphezulu kweeleta okanye ezibonwayo kwaye hayi manani kangako. Kungenxa yoko le nto ibango lale nqaku likukuba, ngaphandle kokutyeshela eyona nto inenzuzo enkulu okanye ephumeleleyo, uyisondeze kuluntu ngokubanzi kwaye wenze ukuba iqondwe kakuhle ukuba loo nto inomdla ifihle iigrafu kunye nemizekelo. Ngale ndlela, nceda unqume ngokwenkangeleko yakho onokukhetha kuyo ubambiso.
Umahluko ophambili phakathi kobambiso olungatshintshiyo okanye olwahlukileyo
Sicinga ukuba sonke siyayazi into ekubanjiswa ngayo, siza kubona umahluko ophakathi komnye nomnye.
- Ubambiso olulungisiweyo: Eyona nto iphambili kuyo kukuba siya kuthi Yazi ukuba yeyiphi i-quota eza kuza kuthi inyanga nenyanga de iphelelwe. Imali mboleko engatshintshiyo igcina inzala emiselweyo yeminyaka eza kusebenza ngayo. Ke, ukuba ikwi-3% (umzekelo), siyazi ukuba unyaka nonyaka siza kuhlawula i-3% yexabiso elingekahlawulwa ("okushiyekileyo ukuba kuza kuhlawulwa"). Oko kukuthi, ukuba emva kweminyaka emi-4, sine-90.000 ye-euro esalindelwe, loo nyaka wesihlanu siya kuhlawula i-2.700 ye-euro kwinzala (i-3% ye-90.000 ye-euro esele ilindile). Ukuba ngumdla oqinisekileyo, ibhanki iya kuhlala ifaka inzala ephezulu kunenzala ebambekayo enenzala.
- Ubambiso olwahlukileyo: Olona loncedo lwayo kukuba ngexesha lokuyityikitya, ipesenti yenzala eya kuhlawuliswa kubambiso iya kuba sezantsi kunolo lubambiso lubambekayo. Nangona kunjalo, imali mboleko eguquguqukayo njengoko igama libonisa ayigcini inzala emiselweyoEndaweni yokuba inxulumene nesalathiso sesalathiso, kwimeko yaseSpain i-Euribor. Oko kuthetha ukuba ukuba i-Euribor ayihambi, okanye iyehla, imali-mboleko yethu iya kuhlala okanye yehle. Ukuba, ngokuchaseneyo, iyenyuka, inzala% eya kuthi isetyenziswe kuthi xa inzala kwimali mboleko yokubolekwa kwemali ihlaziywa iya kwanda. Umzekelo, sichithe unyaka ophelileyo sihlawula i-0'80% yenzala kwimali mboleko yethu kwaye sishiye i-90.000 ye-euro. Ukuba iyagcinwa, kunyaka olandelayo siza kuhlawula i-euro ezingama-720 (i-0% kwi-8 euro). Ukuba iwela nge-90.000%, siya kuhlala kunye ne-0% (20'0-60'0 = 80'0) kwaye siya kuhlawula i-20 euro ngenzala kunyaka olandelayo (0% kwi-60 euro). Kodwa, kwaye yile nto ityhafisa abantu, ukuba ngequbuliso inyuke nge-540%, kunyaka olandelayo besizakuhlawula i-0 euro (kwaye ingaqhubeka inyuke unyaka nonyaka).
Ubambiso olumiselweyo okanye olwahlukileyo ngokuxhomekeke kumzuzu
Le grafu ihambelana nomyinge wenzala ophakathi ekutyikityweni kobambiso kwiminyaka yakutshanje. Ubambiso lwempahla olungatshintshiyo luhlaza okwesibhakabhaka, kunye nokubolekwa kwemali mboleko okwahlukileyo. Idatha ibonelelwa yi-INE, kwaye iwebhusayithi elungileyo kakhulu apho unokukhupha khona le datha ngesibetho sokubulela kwiigrafu zayo epdata.es endiyincomayo kwinani elikhulu lolwazi olunikezelayo.
Ukwehla kwi-Euribor kukhatshwe ngumdla kwimali mboleko ewayo, njengoko sinokubona kwigrafu. Inyaniso yokuba amaqondo wenzala afikelele kumanqanaba angaphantsi kwe-0%, ityhalele abantu abaninzi ukuba babeke phambili ukhuseleko lwemali-mboleko esisigxina engaguqukiyo. Inyaniso, le 2020 yemali ebambekayo ebekiweyo isayiniwe kunokwahluka. Kwaye kwenze kwalula kubantu abaninzi ukuba batshintshe umahluko kwimali mboleko ebekiweyo. Esona sizathu siphambili, kukuzikhusela ekunyukeni kwamazinga enzala. Ukonyusa okungafikanga nokuba, njengendlela yokunyusa ukusetyenziswa kunye nokwenza ukuhamba kwamatyala kukugcina amaxabiso esezantsi.
Ngokwemigaqo-nkqubo yemali kumazinga enzala
Kuyinyani ukuba ubhubhane uguqule uqikelelo oluninzi lwezoqoqosho, kodwa ukuba sigxila kwixesha elidlulileyo kunye neendlela eziphambili zokunyusa uqoqosho nge-ECB, amaqondo wenzala akufuneki ukuba anyuke ngamandla, ubuncinci kwixesha elifutshane neliphakathi. Oku kuthetha ukuba kuya kuba yinto enomdla ngakumbi ukuhlawula imali mboleko kunye nenzala eyahlukileyo, ngakumbi ukuba yeyeminyaka embalwa. Nangona kunjalo, okukhona kukude, kokukhona kuya kufaneleka ngakumbi ukuthatha ireyithi emiselweyo yokukhusela ngokuchasene nokunyuka kwenqanaba lenzala.
Into ekufuneka siyigqibile sisikhundla sethu kunye nomngcipheko esinokuthi siwuthathe (ngokwasemalini nangokweemvakalelo), ukusukela Umahluko we-1% uthetha amawaka ee-euro kuyo yonke iminyaka yobambiso. Ukongeza, kufuneka kukhunjulwe ukuba ekuqaleni kuhlawulwa isixa esikhulu senkunzi. Njengokuba iminyaka ihamba kwaye icinywa amatyala, loo nzala iyancipha ngokuhambelana nenkunzi eyabelweyo kwileta nganye.
Ngokwenkunzi efumanekayo kumthengi
Sicinga ukuba sinomthengi onemali engaphezulu kunegalelo lakhe. Kwimeko yokonyuka okuthe kratya, imali eyinkunzi inokuhlala iqhubela phambili. Okwangoku, kwaye kwimeko apho inzala iyaqhubeka ukuhla, okanye inyuke, kodwa kancinci, unokuthatha isigqibo sokungasebenzisi loo capital. Nokuba izinto ozikhethayo zinokuba zezotyalo-mali, ezinokubangela umdla ngakumbi ukuba ikunike imbuyekezo ephezulu kwimali oyityalileyo kunenzala oyihlawulayo kwimali mboleko yakho.
Ukubonelelwa ngokuthengiswa kwemali kungabonelela nge-inshurensi ngokuchasene nokunyuka kanjalo. Ukuba unemali engasetyenziswanga, kwaye inqanaba lenzala yemali-mboleko eguqukayo inyuka kakhulu, ngekhe kube ngumbono ombi ukunciphisa inani lenqununu.
Enye imeko iya kuba yeyomntu ofuna ukulawula iindleko zakhe, kwaye loo nto ingaphantsi kukhuseleko lokwazi kwangaphambili ukuba baya kuhlawula ntoni. Ngale ndlela, imali mboleko esisigxina iya kuba lolona khetho lufanelekileyo.
Ukuzimisela ngokweemvakalelo emngciphekweni
Ukuba singabantu Ukuchasana nomngcipheko, umyinge wemali mboleko engqingqwa iya kuba yeyona ndlela ilungileyo. Ngokukodwa ukuba sibona iindaba kumabonwakude ukuba amaxabiso enzala aya kunyuka, kwaye azakuchaphazela ukubambiswa kwemali ekubhekiswa kuyo kwi-Euribor. Ngokuchaseneyo, ukuba ezo ndaba azisenzi ukuba sothuke, kwaye sijonga ukuba ukusikwa kwexesha elizayo kwi-Euribor kunokwenzeka kwaye ngenxa yoko kusincede kwimali mboleko yethu, umahluko unokuba yinto ebhetele. Ukongeza kwipesenti esezantsi kunomndilili ngexesha lokusayina.