Ngaba kungcono ukuthatha i-mortgage eguquguqukayo okanye emiselweyo?

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Omnye wemibuzo oza kuzibuza yona ngeli xesha kukuba kulungile ukuba ubhalise kwimali mboleko yempahla yakho ngendlela eguqukayo okanye esisigxina. Ayothusi into yokuba esi sigqibo sinokuthetha ukonga isixa semali. Esi sesinye sezizathu zokuba kutheni kufuneka ibe zicingisisiwe Apho awuzukukhetha ngaphandle kokuhlalutya izibane kunye nezithunzi zokukhetha enye okanye olunye uhlobo lwemali. Awungekhe ulibale ukuba sisivumelwano eso iya kuba nokuphelelwa ixesha elide kakhulu, ngesiqhelo phakathi kweminyaka engama-20 nengama-40 ubudala. Into yokungathathi kancinci lo msebenzi kuba ungazisola kule minyaka izayo.

Ukusuka kule meko ngokubanzi, isixa semali-mboleko ebhalisiweyo kwiirejista zepropathi ngo-Matshi walo nyaka (kwizenzo zikarhulumente ezenziwa ngaphambili) yi-136.794 ye-euro, I-1,8% iphezulu kunenyanga enye ka-2017, ngokweenkcukacha zamva nje ezibonelelwe liZiko leLizwe leNkcukacha-manani (i-INE). Kwaye ukusukela ngoku banokunika isikhokelo esingaphaya kwesinye malunga nokuba imikhwa yabasebenzisi ihambela phi kule klasi yeemveliso zokuxhasa ikhaya.

Apho, kwimali-mboleko eyenziwe emakhaya, Umyinge wenzala yi-2,62% (18,7% isezantsi kuno-Matshi 2017) kunye nexesha eliqhelekileyo leminyaka engama-24. I-62,2% yemali mboleko yasekhaya ikwinqanaba eliguqukayo kunye nama-37,8% kwizinga elimiselweyo. Umyinge wemali-mboleko ehleliweyo yehle nge-9,9% yehle ireyithi yonyaka. Umyinge wenzala ekuqaleni yi-2,42% yemali ebolekwe kumakhaya amaxabiso adadayo (ukwehla ngama-24,5%) kunye no-3,05% kwimali-mboleko ebekiweyo (6,7% esezantsi).

Okwangoku umahluko ubalasele

Ngokwengxelo yaseburhulumenteni esele ilungisiwe liZiko lezeNkcukacha-manani leSizwe, kutyhilwe ukuba kwi-5.772 yemali mboleko eneenguqu kwiimeko zabo, i-45,2% ibangelwe lutshintsho kumazinga enzala. Emva kokutshintsha kweemeko, ipesenti yemali mboleko yenzala esisigxina iyancipha ukusuka kwi-14,2% ukuya kwi-13,7%, ngelixa obolekiso bemali mboleko eguqukileyo yehle ukusuka kuma-85,1% ukuya kuma-84,7%. I-Euribor linqanaba apho ipesenti ephezulu yemali-mboleko eguquguqukayo ibhekisa kuyo, zombini phambi kotshintsho (70,4%) nasemva (77,5%).

Enye yezona datha zichaphazelekayo zifunyenwe kolu phando ngamaqumrhu asemthethweni kukuba emva kokulungiswa kwemiqathango, umndilili wenzala kwimali mboleko kubambiso olumiselweyo kunciphisa amanqaku e-1,5 kwaye obolekiso bemali ebolekisayo yehla amanqaku e-1,0. Ukuya kuthi ga kwinqanaba lokuba imeko etyhilwayo ngokwenza isivumelwano semali mboleko kukuba okomzuzwana inqanaba eliguqukayo lisathandwa ngabasebenzisi baseSpain. Kodwa ukusukela ngoku ukuya phambili siza kuchaza ukuba zeziphi izinto ezilungileyo nezingalunganga.

Kutheni uyirhumela ngenqanaba elimiselweyo?

ilungisiwe

Uhlobo lobambiso lobambiso lwentengiso luyathengiswa ngenzala ethe kratya kunokubambisa iqondo. Kodwa kukho izibonelelo ezithile onokukhetha kuzo kule modeli yenkxaso mali. Enye yezona zinto zibaluleke kakhulu kukuba baya kukubonelela ngokhuseleko olukhulu kuba uya kuyazi ukuba uya kuhlala uhlala uya kuhlawula umrhumo ofanayo wenyanga. Nokuba kwenzeka ntoni kwiimarike zezemali nokuba imeko yezoqoqosho iba neziphumo ezingenakulinganiswa. Ukusuka kule meko, akukho mathandabuzo okuba uya kuba nakho ukucwangcisa ngcono uhlahlo-lwabiwo mali lwakho okanye losapho kule minyaka izayo. Ngaphezulu kwenqanaba lobambiso lobambiso.

Enye yezona zinto zibaluleke kakhulu kwimali-mboleko yemali esisigxina yinto yokuba kumaxesha okwandiswa ngokwexabiso lenzala, banotshintsho kwimisebenzi eluncedo ngakumbi kubafakizicelo. Oku kuthetha ukuba ukuba uyakholelwa ukuba inzala baya kunyuka kule minyaka imbalwa izayo  Kungcono ukuba umqeshe phantsi kolu phawu lukhethekileyo. Hayi ngelize, uya konga imali eninzi kude kube sekupheleni kwesivumelwano. Ngaphandle kokothuka ngexesha layo. Olukhetho luncedo ngakumbi, ke, kwiiprofayili zabathengi ezilondolozayo okanye ezikhuselayo.

Eminye imirhumo yamaxabiso amiselweyo

Ngokubanzi olu didi lwemali mboleko yobambiso kuthengiswa ngeekhomishini ezimbalwa kunye nenkcitho kulawulo okanye kulondolozo lwayo. Kunzima kakhulu ukuba banokufaka iipesenti ezi-2 kufundo, ukuvula okanye nokucima kwangoko. Kodwa nangayiphi na imeko, baya kuhamba phantsi kwemida benyamezeleke ngcono kuqoqosho lwasekhaya. Oku akuthethi ukuba kwiminyaka yakutshanje khange ibeyeyona ndlela ifanelekileyo yokuqhagamshela ubambiso lwakho ngenxa yezizathu ekulula ukuziqonda.

Ngale ndlela, idatha ebonakaliswe liZiko leSizwe lezeNkcukacha-manani libonisa ukuba ngaphezulu kuphela kwe-90% yabasebenzisi baseSpain abaxhasa esi sisombululo ukuthenga iflethi yakho, indawo yokuhlala okanye enye indawo yokuhlala. Nangona kungumkhwa obuyela umva njengoko isigqibo sokunyusa inzala kumda we-euro yi-European Central Bank (ECB) sisondele. Into eza kwenzeka ngokuqinisekileyo kulo nyaka uzayo. Ukuza kuthi ga kwinqanaba lokuboniswa kwimikhwa yabathengi belizwe.

Liphi ixesha lokutshintsha okungcono?

imali

Ngokuchasene noko, amaxabiso okubolekwa kwemali-mboleko eguquguqukayo ayacetyiswa ngakumbi ukuba enze ngokusesikweni ngamaxesha apho ixabiso lemali likwimbali esezantsi. Njengale meko yenzekayo ngoku. Kungenxa yokuba uya kufumana umdla okhuphisana kakhulu kunangaphambili. Ngomgangatho waseYurophu, owaziwa ngokuba yi-Euribor, kwindawo engalunganga kwaye ujonge isicatshulwa se -0,186. Oku kuthetha ukuba kubiza imali encinci ukuzixhasa kuba ixabiso lexabiso lemali alikho phezulu kakhulu, kude lee kulo.

Nangona kunjalo, le yimeko ngokuqinisekileyo engayi kuhlala ngalo lonke ixesha. Kwaye nangawuphi na umzuzu imeko inokutshintsha. Njengoko ifunyenwe kula maxesha achanekileyo. Kungenxa yokuba xa le meko intsha ifika, iqondo lobambiso lwexabiso eliguqukayo liya kubiza kakhulu kunemali ebanjisiweyo yokubambisa kwaye oku kuvelisa ukuba yinxalenye elungileyo yabasebenzisi babuyela kubambiso lwezi mpawu. Apho ngawo onke amaxesha baya kuyazi ukuba kuya kuba yintoni iindleko zokuzixhasa ngokwabo iminyaka emininzi kangaka.

Ngokusasazeka ngezantsi kwe-1%

Umzuzu wangoku wokudibana ukhokelela kwinto yokuba unokufumana iimveliso zokuxhasa ngemali ikhaya elisasazeke ngaphantsi kwe-1%. Kananjalo banayo isuse iikhomishini kunye nezinye iindleko ekulawuleni okanye ekugcineni. Ngokukhetha okubanzi okunokukunceda kwiminqweno yakho yokuthenga loo ndlu uyithandayo kakhulu. Okomzuzwana kwinqanaba eliguqukayo, kodwa emva kweenyanga ezimbalwa unokutshintsha ingqondo. Kuba kuzo zonke iimeko iya kuxhomekeka kumzuzu apho imeko yezoqoqosho ikhoyo kwaye ngokuqinisekileyo ayizukuhlala ifana naleyo ubusazi ngayo.

Kwelinye icala, awungekhe ulibale ukuba esi sisigqibo sakho esiya kuxhomekeka kwizinto ezininzi. Kwaye enye yezona zinto zibalulekileyo yiminyaka kwaye kunjalo eyakho amathemba kwihlabathi lomsebenzi. Kungenxa yokuba enye yeenjongo zakho eziphambili ayizukukhulisa ityala ngamandla. Kungenxa yokuba le nto inokukuzisela ubunzima obungaphezulu kwesinye kwiminyaka eshiyekileyo de kube kukhula. Ngaphaya kwezinye iindlela zobugcisa onokuthi uzivavanye xa usenza ngokusemthethweni ikhontrakthi yale mveliso yezemali.

Yazisa kwizibonelelo zebhanki

iibhanki

Ngayiphi na imeko, akufuneki woyike ukungabikho kwezindululo ezivela kwiibhanki. Ngenxa yokuba zozibini iirhafu ezibekiweyo kunye nezitshintshayo zibandakanyiwe kwizibonelelo zebhanki zangoku. Akukho namnye kubo oyekile ukuya kwezi modeli zabucala zemali. Ngonyuselo olunokuba lunomdla kakhulu kubantu abafuna iflethi ngalo mzuzu. Nkqu ngezindululo ezahlukeneyo ngaphakathi kwemodeli nganye yezemali.

Apho kuqapheleka kakhulu ukuba inani elipheleleyo lemali mboleko eneenguqu kwiimeko ezibhalisiweyo kwiirejista zepropathi yi-5.772, 34,5% ngaphantsi kuka-Matshi 2017. Kwizindlu, inani lemali-mboleko eguqula iimeko zabo yehla nge-34,3%, ngokwedatha iveliswe ngo-Matshi walo nyaka kwaye ikhutshwe liZiko leLizwe lezibalo.

Kungenxa yokuba akukho mathandabuzo ukuba nangaliphi na ixesha ungayiguqula imeko yeemali mboleko zobambiso. Nangona oko kuya kuthetha iindleko zezoqoqosho eziya kuthi sele zihlalutyiwe kwelinye inqaku ngendlela eneenkcukacha. Kuxhomekeke kutshintsho olwenziwe kwimarike yempahla ebambekayo. Njengoko kubonakala ngathi kuya kwenzeka kwiinyanga ezimbalwa. Ngenjongo yokuzama ukugcina ii-euro ezimbalwa.

Ngayiphi na imeko, qaphela ukuba kwimali-mboleko yemilinganiselo emiselweyo awuyi kothuka ngexesha elinye. Olukhetho luncedo ngakumbi, ke, kwiiprofayili zabathengi ezilondolozayo okanye ezikhuselayo. Kubaluleke kakhulu ukuba sikuthathele ingqalelo oku.


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