Abatyalomali bahlala kufuneka bohlule izabelo zabo okanye izabelo mali ukuze bajongane neengxaki zabo zemali. Ukuba izikhundla zakho kwezi mveliso zikwi imeko yeenzuzo ezinkulu inokumela umsebenzi ogqwesileyo wokufumana imali oyityalileyo kunye nemidla yayo. Kodwa ukuba ibichasene, oko kukuthi, belahlekelwa yimali, kuya kubakho ingxaki enkulu eya kulungiswa kuphela mboleko yebhanki yenzelwe ukutyala imali. Ukuhlangabezana nale mfuno, ezinye iibhanki zenze uthotho lwemali mboleko ehlangabezana nezi mpawu.
Kubatyalomali abangafuniyo ukuhlengahlengisa izikhundla kwiimarike zemali, baya kuba nenketho yokufuna imali mboleko yobuqu. Nangona kunjalo, kuya kuba yimfuneko ukuqinisekisa ukuba isicelo sakho siza kulunga. Kumdla abawusebenzisayo, phakathi kwe-7% kunye ne-10%, kufuneka songeze iikhomishini kunye nezinye iindleko kulawulo lwabo ezinokuthi zibandakanye ibango. Ukuya kwinqanaba lokumela i-2% yenkunzi efunekayo. Kuya kuba lixesha lokuvavanya ukuba akunakukhetha thengisa izikhundla kwiimveliso zezemali. Nangona kunjalo, amanye amaziko ezezimali amisele umgca okhethekileyo wekhredithi apho ezi mfuno zabathengi zithathelwa ingqalelo.
Ukulungisa ezi zehlo kwizabelo zamashishini ezingenanzala emisiweyo, iibhanki ziphuhlise ezinye iindlela zekhredithi ezinale njongo ichazwe ngasentla. Ukusuka kwizikhundla ezahlukeneyo bakhonza iimeko ezahlukeneyo kwimarike yemasheya kunye neemveliso zemali ezahlukileyo. Inokunxulunyaniswa nokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya ukuya mali mali okanye nakwezinye iimeko zokulondolozwa okanye izicwangciso zepenshini. Kodwa ukwazi ngalo lonke ixesha ukuba ibango lelinye lala makhredithi liya kuvelisa iindleko ezizinzileyo inyanga nenyanga. Apho inqanaba lenzala ekufuneka lihlawulwe limi ngaphandle kwaye ekufuneka kongezwe kukho iikhomishini ezinokubakho kwimveliso (isifundo, ukuvulwa, ukurhoxiswa kwangoko, njl.
Imali mboleko yebhanki
Ngeli xesha, isibonelelo sebhanki asibanzi kakhulu njengakwiminye iminyaka. Kodwa ubuncinci baqokelela izindululo ezaneleyo zokuzisebenzisa ngaxa lithile ebomini bethu. Ngeempawu ezahlukeneyo kakhulu ukusuka kwenye ukuya kwenye njengoko uya kuba nakho ukubona apha ngezantsi kuba nganye nganye igcina ezinye iimeko zorhwebo ezahluke kakhulu intsalela. Ngayiphi na imeko, sisibonelelo esithile esikhoyo ukuze abatyali mali abancinci nabaphakathi bakwazi ukukhusela ukonga kwabo kwimeko engalindelekanga.
Kungenxa yokuba yintoni malunga ungalahli mali kwiimarike ezahlukeneyo zemali. Ayothusi into yokuba kuyinjongo yezi mveliso ukuxhasa ngezimali zabucala, apho igcina iimeko ezithile kwisivumelwano sayo ekufuneka usazi ukusukela ngoku. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwimbono yezemali. Ngayiphi na imeko, ayicetyiswa into yokuba uthathe naziphi na iikhredithi ngeyona mali yazo iphambili kuba iya kulonyusa kakhulu inqanaba lakho lamatyala.
Banikezela ukuya kwi-100.000 euro
Imali mboleko yeCredifondo ngumgca wekhredithi kubathengi bengxowa mali abathengiswa yiIbercaja. Yenzelwe ukuxhasa ngezimali abanini bezi mveliso kwaye izizathu zerhafu okanye ezinye iimfuno, abafuni ukubuyisa imali kwizabelo zabo. Elinye lamagalelo alo abaluleke kakhulu kukuba ivumela ukuhlala kwiingxowa-mali, kodwa zizonke. Ngezibonelelo zerhafu ezichazwe ngabadala njengobunini bazo. Ngaphantsi kwesixa se-60.000 ye-euro kunye nexesha lokuhlawula ukuya kuthi ga kwi-8 iminyaka.
I-BBVA, kwelinye icala, ibonelela ngeakhawunti enkulu ngemali-mboleko eguqukayo phakathi kweenyanga ezi-6 ukuya kuthi ga kwiminyaka emi-3 ebonakaliswa ngokubonelela Isibambiso sesiqinisekiso sezabelo. Ukuze usebenzise iimeko ezifanelekileyo zentengiso yesitokhwe. Basebenzisa iqondo lenzala elingaphantsi kwe-5% kwaye baxolelwe ekuvuleni nasekuhlawuleni iifizi kwangoko. Kukuphi ukwahluka okwahlukileyo kokwahlukileyo kokunye, njengoko kungumgca wekhredithi kunye nesithembiso sezabelo. Umahluko omkhulu ngokubhekisele kwezinye iikhredithi zotyalo-mali.
Utyalomali kunye nemali mboleko yomhlala phantsi
Enye imeko eyahlukileyo yile ichazwe yi-Bankia ngoTyalo-mali kunye neMali mboleko yoMhlala-phantsi. Ikhonza ukuxhasa ngemali igalelo kwizicwangciso zepenshini Kwaye ufumane ezona zibonelelo zilungileyo zerhafu kwimirhumo eyenziweyo. Ngenxa yesi sicwangciso, ungafikelela kwincam yokuhlawula amatyala ejolise ekwaneliseni iimfuno zabanini abangafuni ukuvala imisebenzi yabo. Njengexabiso elongeziweyo, lijonga ithuba lokukhetha inqanaba lenzala elimiselweyo okanye eliguqukayo. Ukubonelela ngokuguquguquka ngakumbi ekunikezeleni olu hlobo lukhethekileyo lwemali olunikezelwa ngamajelo entengiso ebhanki.
Ngaphandle kwezi zindululo zebhanki, unokuhlala ubhenela kwiikhredithi ezaziwa njenge kukhethwa. Oko kukuthi, abo bacinga iimeko ezingcono zesivumelwano ngokusekwe kwiprofayili egqwesileyo oyibonisayo njengomthengi webhanki. Ngokuncitshiswa kwenqaku lepesenti enye ekusebenziseni amaxabiso enzala kunye nokuxolelwa kwazo zonke iintlobo zekhomishini kwaye ngamanye amaxesha iindleko zolawulo nokugcinwa kwazo. Ukuya kwinqanaba lokuba baya kuba nomdla kancinci ukukhusela umdla wakho. Zombini kubudlelwane bakho neemarike zezemali nakwimbuyekezo yemali mboleko uqobo.
Izibonelelo zokubhenela kule mali
Ewe, iikhredithi zotyalo-mali zinokukunceda uphume ngaphezulu kwengxaki enye kutyalo-mali olwenziwe hayi kuphela kwezo zinxulumene nemarike yemasheya. Oku emva kwayo yonke enye yezona njongo ziphambili zolu didi lweekhredithi esithetha ngazo. Nangona kuya kufuneka uhlalutye ukuba umsebenzi uza kuba nenzuzo ukusukela ngoku. Ngenxa yokuba okuchaseneyo kunokwenzeka. Ngayiphi na imeko, siza kukubonisa ezinye zeenzuzo ezinokukuzisela imfuno yezi mveliso zebhanki. Ezinye zazo zinokukulungela ngoku.
- Xa bephethe amaxabiso enzala agqithisileyo, kodwa ngokuchaseneyo kugcinwa umda ofanayo wokungenelela njengakwenye imali mboleko yabantu. Bajikeleza kwi-fringe ehamba Iipesenti ezingama-6 ukuya kuma-10% malunga.
- Banokwenziwa babe isisombululo senqaku Phambi komzuzu ombi kutyalo-mali lwakho kwaye apho kufika ixesha apho ungenakho ukuthengisa izabelo zakho okanye ukuthatha inxaxheba. Phakathi kwezinye izizathu kuba kungoku nje bakhubazeke kakhulu.
- Zikwanobuzaza xa incam yakho Imali kwi-akhawunti yangoku Ayisiyo le uyifunayo kwaye unokuzibona ukwinkqubo enzima yokuthengisa utyalo-mali lwakho. Ngokubanzi kwiimeko zokungazinzi kwiimarike zezemali kwaye esona siphumo sithe ngqo kukuba unokuzibona untywiliselwe ekwenzeni kakubi kwimarike yesitokhwe okanye evela kwezinye iimveliso zezemali.
- Ikwabonisiwe jikeleza ngamaxesha e-bearish kutyalo-mali kwaye ngakumbi kwimarike yemasheya. Ukuze ungazithengisi izabelo zakho ngamaxabiso anokuhlekisa kwaye iyinto ethi ngexa elithile ebomini bethu yenzeke ngelishwa.
Iingozi zale misebenzi
Ngokuchasene noko, ezi ntlobo zentshukumo zikwanemingcipheko ongafanele uyilibale. Ngokukodwa kuba bazakubandakanya iindleko ezingabalulekanga kangako, kuxhomekeke kwisixa esifunwayo. Kuya kufuneka uvavanye ukuba ngaba umsebenzi unakho na fumana inzuzo kwaye ukhuseleke kangakanani. Hayi ngelize, unokucela ukuya kuthi ga kwi-100.000 euros kwezi njongo. Ngesi sizathu, kuya kufuneka uhlalutye iimeko ekubuyeni kwakho nokuba kufanelekile ukuboleka ingxaki onayo kutyalo-mali. Ekugqibeleni, kunokuba luncedo ngakumbi kuwe ukuhlawula izikhundla ozivulekileyo kwiimarike ze-equity.
Kwelinye icala, olu hlobo lwekhredithi lunokunyusa ityala lakho liye kumanqanaba ayingozi kakhulu kwimidla yakho. Ngayiphi na imeko, kukho umthetho wegolide oza kuhlala usisebenzisa kwaye kunjalo ungaze ulusebenzise kakubi olu hlobo lwemali. Ngenxa yokuba iziphumo zinokuchasana nento oyifunayo kunye nebango lakho. Enye yeengozi eziphambili ezichaphazelekayo kusekelwe kwinto yokuba imali oyichithayo ngala makhredithi inokuba nkulu kunenzuzo oza kuyenza ukunika ingxelo kutyalo-mali. Gcina engqondweni ukusukela ngoku ukuthintela naluphi na uhlobo lwezimanga ezimbi.
Okokugqibela, kuya kufuneka uvavanye ukuba uyakufuna ngokwenene na lo msebenzi. Kuya kufuneka ubuncinci uzame ukufumana ezinye iindlela ezonelisayo. Umzekelo, ukufuna eli xabiso ngezalamane zakho ozithembileyo okanye ngokucela imali mboleko phakathi kwabantu. Akumangalisi ukuba kukho imali eninzi ongayigcina ngokusebenzisa ezi zicwangciso ukubonelela ngemali kwi-akhawunti yakho yokujonga. Okanye mane uhambise utyalomali lwakho kumaxesha amade apho unokufumana khona ixabiso labo lokuqala ngokuhamba kwexesha.