Kutshanje, iKhomishini yaseYurophu kunye neBhanki eNkulu yaseYurophu kunye neBhanki yaseSpain belumkisile malunga nomngcipheko wokufumana ikhredithi kumgca ngamnye wabantu. Ukuya kuthi ga kwezi arhente zimbini, amaziko emali kufuneka abeke iliso ngononophelo kwiimfuno zabasebenzisi. Kuba inokukhokelela kwifayile ye- inqanaba lamatyala eentsapho zaseSpain inokuvuka kule mizuzu.
Ngaphakathi kunikezelo lwangoku kwimali mboleko yobuqu, kukho enye yazo efuna iimpawu zayo ezizodwa. Zibizwa iikhredithi zotyalo-mali kwaye nangona zingathengiswa ziibhanki, zisetyenziselwa ukwenza utyalomali xa kungekho mali kwi-akhawunti yokonga Abafakizicelo. Benza umngcipheko omkhulu kuba bajoyina ityala ekucingelwa ukuba inyani yotyalo-mali ayikhuli njengoko besicinga kwasekuqaleni. Ukwenza ingxaki ephindwe kabini kubantu abacela umgca wekhredithi kwezi mpawu.
Ukuyicela, akusayi kubakho khetho ngaphandle kokuhlalutya ukuba yimalini inzala ekuya kufuneka siyibhatale ngokwenziwa ngokusemthethweni kwale mveliso yebhanki. Nangona okwangoku inqanaba lenzala kwindawo ye-euro libiza ixabiso eliphantsi, ayisiyonto yokusebenza ngaphandle komngcipheko. Ukuba akunjalo, ngokuchaseneyo, kufuneka sibe nezinto ezicace gca ukusuka kumhla wobhaliso. Hayi ilize, kuya kufuneka ukuba ubuyise inani elifanayo kunye nomdla wabo ohambelana nawo kwaye mhlawumbi enye ikhomishini. Phakathi kwezi, ezo zokufunda, ukuvulwa kunye nokucinywa kwangoko kuyabonakala kwaye oko kunokunyusa iindleko zabo ukuya kuthi ga kwi-2% yenani lilonke lebango.
Ikhredithi yotyalo mali: zinjani?
Olu didi lweemveliso zebhanki lubonakaliswa ngenxa yokuba zinenjongo echazwe kakuhle kwaye ayikho enye ngaphandle kokuhlawulela umsebenzi wotyalo mali. Ngokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya, iimali zotyalo-mali, iziphumo zezemali okanye nayiphi na imveliso evela kurhwebo lwentengiso. Kule meko ngokubanzi, akufuneki ilibale ukuba iikhredithi zotyalo-mali ziya kumela a ityala elingene ngokungeyomfuneko kuba kunokwenzeka ukuba inzala eveliswe lolu didi lweekhredithi ziphezulu kunenzala enokubonelelwa ngotyalo-mali.
Ezi ntengo zenzelwe ukutyala imali zinikwa umntu ngamnye Kuba zisekwe kwisibonelelo esigunyazisiweyo ngaphambili kubantu abanokuphendula kwezi ndlela zoncedo-mali. Ukusuka kweli cala, akusayi kubakho khetho ngaphandle kokuba kuxhaswe inqanaba eliqinileyo lokuhlawula amatyala kwi-akhawunti yokonga okanye ixhaswe ngumrholo okanye umvuzo kwimeko yabasebenzi abaziqeshileyo. Kwezinye iimeko ngokusebenzisa inani le-guarantor elinokuthi lisetyenziswe lilungu losapho okanye umhlobo osenyongweni. Ngokulandela ngokupheleleyo ukuvela kwezi mbuyekezo emsebenzini.
Inzala ejikeleze i7%
Iikhredithi ezimiselwe kutyalo-mali ziyathengiswa ngamashishini ebhanki ngenqanaba lenzala lelo ihamba phakathi ko-6% no-8%. Apho, ngaphandle kwamathandabuzo, indleko zeekhomishini ezinokubakho ezinokuboniswa zezi mveliso zemali zinokongezwa. Phakathi kwezo zibalasele kulawulo lwazo kwaye ezinokunyuka ziye kwi-2% kwimali efunwayo ngabasebenzisi bebhanki. Ngelixa kwelinye icala, akukho mathandabuzo ukuba ezinye iintlawulo ezongezelelweyo kufuneka zithathelwe ingqalelo ezinokunyusa indleko zebango leli khredithi likhethekileyo.
Kwelinye icala, bayabala Ixesha lokuhlawula elihamba phakathi kweminyaka emi-2 ukuya kweli-10 Kwaye akukho meko abanalo ixesha lobabalo. Ngokumalunga nezixa-mali ezinikezwe ziibhanki ngotyalo-mali lotyalo-mali, kufanele kuqatshelwe ukuba ziyaguquguquka kunezinye. Akukho sixa simiselweyo kwaye ihlala ixhomekeke kwiimeko zabafaki-zicelo. Kodwa ngekota ephezulu ekufutshane namanqanaba asondele kakhulu kwi-100.000 euros. Ukuba kuzo zonke iimeko kuya kufuneka babuyiselwe ngenkqubo yezavenge zenyanga rhoqo kude kube ngumhla wokuphelelwa kwazo.
Ngaba ukuqesha kwakho kunenzuzo?
Enye into ekufuneka uyixabise kule klasi yekhredithi yile inento yokwenza nenzuzo yabo yokwenyani. Oko kukuthi, ukuba siza kuthandwa ngenqanaba lenzala esiza kuyifumana kutyalo-mali lwethu. Nje ukuba iindleko zithengisiwe Oko kuya kuthetha ukuqesha imali-mboleko ngezi mpawu ngokukhethekileyo njengale ngokukodwa. Kuba kunokwenzeka ngokugqibeleleyo ukuba ilahleko iphindwe kabini, kutyalo-mali olwenziwe kunye nangomjelo wezemali obhalisiweyo. Ngeziphumo ezibi kakhulu kwiiakhawunti zethu.
Iprofayile apho bajolise khona
Ngelixa kwelinye icala, akufuneki ilibale ukuba ezi iikhredithi azithandeki kwimidla yabasebenzisi. Kungenxa yokuba kunqabile ukuba banikwe inqanaba elithile lenzala. Azinakunxulunyaniswa nekhontrakthi yezinye iimveliso zebhanki (i-inshurensi, imali yotyalo-mali, ulondolozo okanye izicwangciso zepenshini). Zizimveliso eziguquguqukayo kunabanye ngenxa yezinye iinjongo ezingenanto yakwenza notyalo-mali ukwenza ulondolozo olunenzuzo lufumaneke kubasebenzisi bebhanki.
Apho, iiprofayili zabantu ezijolise kubo ezi mveliso zihlala zingabathengi abalungileyo, abangenamatyala kwiibhanki okanye kwiibhanki zokonga, banemivuzo ehlawulwayo kwaye iibhalansi zeakhawunti yangoku idlula malunga ne-50.000 euro. Iya kunikwa emva kokuba iziko lemali lihlalutye ubungakanani bamatyala kumthengi walo. Into engasoloko isenzeka neemfuno ezihamba nezi mpawu zikhethekileyo. Ukuza kuthi ga kwinqanaba lokuba uya kuzibuza ukuba kufanelekile na ukubaqesha okanye ukuba ngokuchaseneyo kungcono ukwala lo msebenzi.