Ukumiselwa ngokusesikweni kobambiso ngumsebenzi obaluleke kakhulu kwimidla yabasebenzisi bebhanki. Akumangalisi ukuba zininzi i-euro ezisemngciphekweni xa ubhalisa le mveliso yemali. Ngapha koko, ngenxa Unikezelo oluqhubekayo lokuba iibhanki bezisakhula ungabaqesha ngeemeko ezingcono. Ukuze ngale ndlela ugcine inxalenye yemali yakho kwezi imisebenzi. Zininzi iindlela onokuthi uzisebenzise ukukhetha eyona nto ibambekayo yokuthenga ngempahla kwintengiso ngeli xesha. Ngaba ukulungele ukwamkela olu celomngeni?
Imboleko mali mboleko ifuna enye yezona ntlawulo zibalulekileyo ekufuneka ujongane nebhanki yakho. Ngokwesiqhelo ngaphezulu kwe-100.000 euros kwaye phantsi kwemiqathango emide yokuhlawula enokuhlala ubomi bakho bonke. Ezi mpawu zibonisa ukuba ujongana nemveliso yebhanki ekufanele ukuba uyiqwalasele kwaye kuya kufuneka wenze ikhontrakthi ngokusemthethweni xa ukwimeko eziyimfuneko ukuyibuyisa ngokwemigaqo ekuvunyelwene ngayo.
Ngoku ukhona cofa indawo enye kude nobambiso lwakhoSiza kukubonisa uthotho lwezikhokelo eziza kukunceda ukuba ubambise ngempahla ngeemeko ezingcono zesivumelwano. Ayizukuba nzima kakhulu ukuyifaka ngenxa yokuguquguquka okuphezulu kwale modeli yenkxaso-mali ibigcinekile kule minyaka idlulileyo. Ukufikelela kwinqanaba lokuba ufikelele kuthotho lwe ukubonelela kunye nokunyusa de kube ziinyanga ezimbalwa ezidlulileyo bezingacingi ukuba ungabafumana.
Ixabiso eliphantsi lemali
Ukuqonda ngakumbi malunga nenkqubo yokubolekwa kwemali mboleko eSpeyin, akusayi kubakho khetho ngaphandle kokubhekisa kwi umgaqo-mali ngabasemagunyeni kwezoqoqosho kwi-European Union, ngakumbi i-European Central Bank (i-ECB). Njengomphumo wobunzima bezoqoqosho ilizwekazi elidala eliye lasokola kulo, kwaye neziphumo zalo ziyaqhubeka nanamhlanje, asikho esinye isisombululo ngaphandle kokwehlisa ixabiso lemali.
Kuba, enyanisweni, amagunya emali oluntu ndizise ixabiso lemali kwindawo ye-euro kwi-0%, imbali yayo iphantsi. Kwimeko engazange ibonwe. Ngokwenza oko kuthetha ukuba ixabiso lemali kule ndawo linguziro. Ke ichaphazela njani imali mboleko? Ewe, ilula kakhulu, ukuze kulungelelaniswe nobunyani beemarike zezemali, kuya kufuneka kunciphise ukusasazeka kwazo. Ngale ndlela, unokuxhamla kwimali mboleko engabizi kakhulu ngenxa yokuncipha kwezi pesenti ezilinganisa into ekufuneka uyihlawule kwimali mboleko yakho.
Kukwakho noluhlu lwezicwangciso-qhinga zorhwebo, ezingaphaya okanye ezingaphantsi, ezisetyenziswa ziibhanki ukuthengisa iimveliso zazo kwaye ezikuncedayo bhatala imali ebiza kakhulu ngenyanga kunangaphambili. Ngokuncitshiswa okwahlukeneyo nakwiikhomishini kunye nezinye iindleko zolawulo okanye zolondolozo lwazo, nangokupheliswa kwazo konke kwiimeko zabo zesivumelwano. Ukusuka kule meko ngokubanzi, kunokuthiwa ngoku kulunge ngakumbi ukuthatha ubambiso. Ubuncinci ngaphezulu kweenyanga ezimbalwa ezidlulileyo, kwaye kunjalo ngokunxulumene neminyaka edlulileyo.
Ubambiso: ukunciphisa ukunciphisa ukusasazeka
Into yokuqala eya kuthi ikuncede uphucule iimeko zalo mgca ukhethekileyo wekhredithi kukuba ngoku ujongene nokusasazeka okunokhuphiswano ngakumbi. Nangona kumaxesha angaphambili kwakuqhelekile ukubaqesha malunga neepesenti ezi-2, nangaphezulu, ngoku akunjalo. Inxalenye elungileyo yezindululo zezinto zemali zezi ukunikezela ngezantsi komqobo we-1%, ongumthombo obalulekileyo wokonga xa kuthelekiswa neemodeli zangaphambili zezemali zezindlu.
Ngapha koko, kuliwa umlo othile phakathi kweebhanki ukuze ubone Ngubani ovelisa eyona mali mboleko ibiza imali encinci kwicandelo. Obu buchule buzuza umdla wakho nakubo bonke abasebenzisi. Kuba ngenxa yoko, izindululo ezingcono ziyaphuhliswa kolu didi lweemveliso zebhanki. Ngaphandle kokuyeka nayiphi na imvume. Kungade kulungele ukuboleka phantsi kwezi meko zibekwe ziimarike.
I-ING Direct kunye neLiberbank ngamanye amaziko ebesoloko enikezela ngezi zibonelelo kubathengi bayo abaphambili. Ngezindululo ezinobundlongondlongo eziye zaveliswa kwasekuqaleni ngaphandle kwalo naluphi na uhlobo lweekhomishini okanye ezinye iindleko ezongezelelweyo. Eli nyathelo likhokelela, kwelinye icala, kwiibhanki ezisele zithathe isigqibo sokunciphisa inzala kwimali mboleko yazo zobambiso. Okanye ngokugcina uthotho lweehaksi ezivusa umdla wabasebenzisi. Ngamanye amaxesha, zikhokelela kukunyaniseka okukhulu kwabathengi.
I-Euribor engezantsi kwamaxesha onke
Esinye isiganeko esixhamla ukusebenza kwakho kukuhla komgangatho waseYurophu, owaziwa ngokuba yi-Euribor. Ngokwedatha ebonelelwe liZiko leLizwe lezibalo (i-INE), idibene ne-90% yeekhontrakthi ezintsha inzala eguqukayo esezantsi isayinwe ukuza kuthi ga kulo mhla. Ngaphezulu kwezinye ii-indexes ezincinci, okanye ubuncinci ezingakonwabeliyo ukuthembela kwabasebenzisi.
Ewe, inoveli enkulu eboniswa yi-Euribor kukuba iye yafudukela kumhlaba ongalunganga, kwaye ngokwembali Amashishini angaphantsi kwe-0%. Emva kokufikelela kwi-2008% yexabiso layo kwiimarike zezemali ngo-5,384, apho kwavela khona ingxaki yezoqoqosho. Njengoko ubona ngokukhawuleza, ngaphezulu kokuncitshiswa okunokubakho kwiinyanga ezimbalwa ezidlulileyo. Ukuba ixabiso lemali alikho, kuya kufuneka kuboniswe kwiikhredithi zokuthengwa kwekhaya.
Uyiqaphela njani le nyaniso kunye nomgangatho ophambili wokubambisa? Ewe, kulunge kakhulu, kuba kwezinye iimeko uya kuba nentlawulo encinci yenyanga, kwaye kwezinye umahluko okhuphisana ngakumbi. Uya kusoloko uphuma uphumelela nangayiphi na imeko. Kodwa ukuba kwiimeko apho kukho igatya lomgangatho liya kuba yingozi enkulu ekufezekiseni injongo yakho, engekho enye ngaphandle kokwenza imveliso yebhanki ebiza ixabiso eliphantsi.
Iikhredithi zikhululwe kwiikhomishini
Enye into elungileyo eya kukuqhubela ekubeni ukhethe ubambiso olufanelekileyo luya kuvela kwinkqubela phambili ukupheliswa kwekhomishini kunye nezinye iindleko kulawulo lwayo ezivela kwelona xesha lifanelekileyo apho kudlula iimarike zezemali ezinxulumene nale mveliso. Ikwasebenza njengesixhobo soxinzelelo kuwe ukuba ukhethe ezi modeli kwezinye izindululo ngaphandle kolu phawu. Bazama ukufaka ukonga kubathengi babo.
Ziyanda iibhanki ezigqibe ekubeni zisebenzise esi sicwangciso sorhwebo. Ngesiphumo esihle kakhulu kubume beakhawunti yakho yokujonga. Awuzukuhlawula i-euro xa kuvulwa, kufundwa okanye kungaphelelanga okanye xa kurhafiswa. Iya kubiza ii-euro ezininzi apha endleleni ezingazukushiya iiakhawunti zakho. Njengoko uza kubona, kancinci kancinci amathuba okubhalisa ngaphezulu kwento eyamkelekileyo yobambiso ayanda.
Iibhonasi ngokudibanisa
Izibonelelo onazo zokufumana ikhontrakthi yobambiso ngeemeko ezingcono azipheleli apha. Kuba ngokwenyani, ngobudlelwane obusebenzayo kunye nebhanki, uya kuba kwimeko efanelekileyo yokuphumelela ukunciphisa inzala esetyenziswayo kuwe ngoku. Iya kuba malunga neshumi leepesenti, kwaye ngenxa yoku Kuya kufuneka ubhalise ezinye zeemveliso zazo eziphambili (iimali zotyalo-mali, izicwangciso zepenshini, iinkqubo zokonga, i-inshurensi, njl. Njengoko iimodeli ezininzi zibhalisiwe, iimarike zorhwebo ziya kunyuka, ukuya kuthi ga kwinqanaba elinesiqingatha ngaphezulu kwamaxabiso abo okuqala. Lo iya kuba ngumahluko oza kuwugcina ukuba ukhetha ezi modeli ukuxhasa ngemali ikhaya lakho.
Isicwangciso esitsha sisekwe ekuqwalaseleni izindululo ezenzelwe abathengi abatsha. Eyona njongo yabo iphambili yile kutsala inani elikhulu labathengi, kwaye ezi azizukuya kukhuphiswano ngezindululo zazo zezemali. Ewe kunjalo, yenye imeko evulekileyo ukuba ukhuthaze iinjongo zakho zokutyikitya ikhontrakthi eyonelisayo ngakumbi kwiminqweno yakho.
Njengesiphelo sazo zonke ezi ngcebiso, ukuba ungumntu omncinci ongaphantsi kweminyaka engama-30 ubudala, uya kuba kwimeko eziyimfuneko ukuphucula umda wokurhweba kwezi mveliso zentengiso. Ejikeleze inqaku elinye kunye nesithathu sepesenti ngokubhekisele kwiimodeli zesiko. Ukubuya, awunakukhetha ngaphandle kokunyusa ixesha lokuhlawula, kwaye mhlawumbi nokuqesha i-inshurensi yasekhaya.
Izibonelelo ezinokuthi ziveliswe
Njengoko isixa oceliweyo siphezulu, amandla okonga aya konyuswa ngale misebenzi yebhanki. Ukubanakho kwezinye iimeko zokuvelisa ezinye zeenzuzo eziqikelelweyo eziza kukunceda ukuhlawula ezinye iindleko, nokuba zezobuntu okanye ulondolozo lwekhaya.
Ngayiphi na imeko, ayizukuba yinto yokutyikitya ityala lokuqala eliza kuwe. Iya kuba ngumcimbi we thelekisa, zihlalutye kwaye ukhethe ezona zilungele iprofayile oyivezayo njengomthengi webhanki. Iya kuba ngumzamo owongezelelekileyo oya kuyenza ukuze ityala lalo msebenzi libengaphantsi. Kwaye ukuba kunokwenzeka ngexesha lokubuya elingelide kakhulu. Ayothusi into yokuba le yenye ifomula efanelekileyo kakhulu yokunciphisa iindleko zakho zizonke.
Ukwazi kwangaphambili ukuba kufuneka ulinde ukusukela izithembiso ezithile kunye nokwenyusa kubonakala rhoqo okhuphisana ngakumbi. Ukuza kuthi ga kwinqanaba lokuba ziphinde zisetyenziswe kwakhona kunye nenyani yoqoqosho lweli lizwe. Ayisiyongxaki yokuba i-mileuristas ikwazi ukufikelela kwezi mveliso ngokuboleka imali engqingqwa okuphuhliswe ngeendlela ezonelisayo. Isiphelo sayo yonke le nto kukuba ukuqesha kwakho ngoku kuya kuba luncedo ngakumbi.