Imali mboleko kutyalo mali: ngaphezulu kwemali

utyalo mali Abatyalomali bahlala kufuneka bohlule izabelo zabo okanye izabelo mali ukuze bajongane neengxaki zabo zemali. Ukuba izikhundla zakho kwezi mveliso zikwimeko yokufumana inzuzo eyinkunzi, inokumela ukusebenza ngokugqwesileyo ukufumana imali oyityalileyo kunye nomdla wabo ohambelana nawo. 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. Ngomdla abawusebenzisayo, phakathi kwe-7% kunye ne-10%, kufuneka songeze iikhomishini kunye nezinye iindleko kulawulo lwazo ezinokuthi zibandakanye ibango. Ukuya kwinqanaba lokumela i-2% yenkunzi efunekayo. Kuya kuba lixesha lokuvavanya ukuba akunakukhetha ukuthengisa izikhundla kwiimveliso ze-equity. Nangona kunjalo, amanye amaziko ezezimali amisele umgca okhethekileyo wekhredithi apho ezi mfuno zabathengi zithathelwa ingqalelo.

Yindlela ethile yokuxhasa ngezimali ebonakaliswe kulungelelwaniso ngeendlela ezimbini. Kwelinye icala, ngokusebenzisa oko kubizwa ngokuba iikhredithi zabantu abathile Kuthengiswa phantsi kweemeko ezithile ngamashishini ebhanki kwaye oku kuthetha amaxabiso enzala ngaphezulu kwe-7%. Ziyafana kakhulu kwimali mboleko zabathengi kwaye umahluko omkhulu kukuya kwindawo yeemali ezibolekiweyo. Kwelinye icala, olu luvo luye lwadityaniswa yimali mboleko ekhethekileyo ejolise kubona baxhamli beziko kwaye isivumelwano sabo senziwa neemeko ezingcono. Ayisiyiyo kuphela ngenxa yomdla osetyenzisiweyo, kodwa nangenxa yezinye iimfuno ezifunwayo kwisivumelwano sayo.

Imali mboleko: iimfuno

Iimfuno eziqhelekileyo zezi ube nepheyiroli engatshintshiyo okanye isatifikethi semvumelwano. Ngamanye amaxesha kuyenzeka ukuba uzifumane ngaphandle kweemfuno, kodwa kuphela kwimihla ekhethekileyo nakwiimali ezimbalwa kakhulu. Umbuzo uya kuba, imali okanye ibhanki, engaceli nkcazo. Ukusukela ukuba uphikisa ukuba kukutyala imali kwimarike yemasheya, kunokwenzeka ukuba abayi kuyivuma. Ngayiphi na imeko, ukuba ngumthengi olungileyo weziko lezemali okanye ukubhatalwa umvuzo okanye ipenshini kunceda kakhulu kwimvume yakhe. Kungenxa yokuba kunqabile ukuba umthengi omtsha abe nokufikelela kolu hlobo lwemali kwasekuqaleni. Okanye ubuncinci baya kufuna iimfuno ezingaphezulu ukuze babenecebo lokuhlawula amatyala abo.

Ukusuka kule meko ngokubanzi, kunjalo ayinakulityalwa ukuba iikhredithi zotyalo-mali zenziwe kwi isixhobo esinamandla ukuphuhlisa utyalo-mali ukuba akukho mali iyimfuneko yokuqhuba. Nangona kunjalo, le mveliso yemali ineprofayili yomthengi echazwe kakuhle apho kufuneka ibonelele ngamandla aphezulu okuthenga. Oko kukuthi, abasebenzisi abanemivuzo emikhulu kakhulu eqinisekisa imfuno yezemali njengoko inyanzelekile.

Iimpawu zeli tyala

dinero Ukuba kukho into echaza ityala letyalomali ngeli xesha, kungenxa yokuba ngaphezulu kokuguquguquka okuphezulu. Nangona, ewe, ayinikezeli ngesibonelelo esibanzi esivela kumashishini ebhanki athengisa le ngcebiso yokuthengiswa kwemali. Ukuba akunjalo, ngokuchaseneyo, luthotho lwezindululo ezinqongopheleyo kwaye zichanekile. Kwiimeko ezininzi, kujoliswe kubathengi bebhanki abangcono kuba ngabo abaludinga kakhulu olu ncedo lwezezimali lubalulekileyo. Abatyalomali abancinci abaqhelekanga ukujongana nolu hlobo lwekhredithi, ngaphandle kwezinto ezinqabileyo kakhulu. Kuyinyani ekufuneka icingwe ngenjongo ethile.

Kwelinye icala, iikhredithi zabatyali mali zihamba phantsi kwenqanaba lenzala oko kukuthi phakathi kwe-7% kunye ne-10%, Kuxhomekeke kwisibonelelo esenziwe liziko ngalinye lezemali. Olunye lweempawu zalo eziphambili zihlala kwinto yokuba icandelo elilungileyo lale modeli yezemali alibandakanyi iikhomishini okanye ezinye iindleko kulawulo okanye kulondolozo lwazo. Umzekelo, ezo zithathwe kufundo okanye ekuvuleni, phakathi kwezona ziqhelekileyo ngalo mzuzu. Umahluko awubonisayo ngokubhekisele kwezinye iindlela ngokubanzi zekhredithi.

Eminye imiqondiso yomahluko

Ukuba ezi khredithi zikhethekileyo zibonakaliswa ngento ethile, kungenxa yokuba imigqaliselo yabo yokuhlawula imfutshane kunaleyo yonke. Kuba ngokusebenza, iminyaka emithathu okanye emihlanu iya kwanela ukuphelisa ngokuqinisekileyo lo msebenzi. Ngaphandle kwaso nakusiphi na isindululo sebhanki ivelisa ithuba loxolelwaniso ekuqaleni kwemvume yayo ukuze izuze ukubuya kwayo. Kwelinye icala, sifumanisa ukuba iimali ezinikezelweyo ziyahambelana noko kubekwa licandelo lebhanki. Ngeemali zemali ezihamba phakathi kwama-10.000 nama-50.000 euros phantse, kwaye kuxhomekeke kwiimfuno zabafakizicelo ngokwabo.

Olu didi lweekhredithi lwenziwe kwelinye icala kubaxhasi ababalaseleyo. Oku kuthetha ukuba ayingabo bonke abasebenzisi abakwimeko yokufumana ikhontrakthi kwimveliso enezi mpawu. Akukho kuncinci kuba ibango lathintelwa kakhulu ziibhanki. Ukuya kwinqanaba lokubeka ukubaluleka Amacebo okucoca ulungiselelo lwemvume. Apho kwiimeko ezininzi kungangabikho khetho ngaphandle kokubonelela ngomvuzo onamandla okanye ubuncinci umvuzo oqhelekileyo. Ukongeza ekubeni nerekhodi yabathengi elungileyo kakhulu. Ngaba bantu kuphela abanokumisela ngokusemthethweni le migca yokuthenga ngetyala kunye neemeko ezichazwe apha ngasentla.

Izibonelelo ekuqeshweni

ezintle Alithandabuzeki elokuba olu hlobo lwemali luthwala uthotho lwezibonelelo ekufuneka uzithathele ingqalelo ukusukela ngoku. Kwaye phakathi kwezi zinto zilandelayo, ezityhilwe apha ngezantsi.

  • Iya kuba sisixhobo esingoyikiyo inkxaso yotyalo-mali, ngakumbi xa imisebenzi ingakhange ikhule njengoko bekulindelwe kwasekuqaleni. Ukuya kwinqanaba lokuba inokukunceda uphume ngokukhawuleza.
  • Esona sisombululo sisiso sukuzilungisa izikhundla kwiimarike ze-equity xa izinto zingahambi kakuhle kuwe. Apho kuqheleke kakhulu ukwenza imisebenzi emibi ngenxa yesidingo semali yokujongana nezona ndleko zibaluleke kakhulu kwikhaya losapho.
  • Ezi khredithi zinokukunceda ukuba usebenze nazo ukhuseleko olukhulu ekusebenzeni Kwimarike yemasheya ngaphambi kwaso nasiphi na isehlo esinokuvela kuqoqosho lwasekhaya lwabatyali mali abancinci nabaphakathi. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwindawo yokujonga esisiseko.
  • Ziyeyona migca ichazayo yezemali, ethi inxenye elungileyo yezindululo zebhanki zinikwe imeko e bhetele ekuqeshweni. Ingakumbi ngokubhekisele kumazinga enzala asetyenziswa ziibhanki.

Iikhredithi ezinikezelwa ziibhanki

Imali mboleko yeCredifondo ngumgca wekhredithi kubathengi bengxowa mali abathengiswa yiIbercaja. Yenzelwe ukuxhasa ngezimali abanini bezi mveliso abathi, ngenxa yezizathu zerhafu okanye ezinye iimfuno, bangafuni ukubuyisa imali kwizabelo zabo. Elinye lamagalelo alo abaluleke kakhulu kukuba ivumela ukuhlala kwiingxowa-mali, kodwa zizonke. Ne izibonelelo zerhafu exela ubungakanani njengobunini obufanayo. Ngaphantsi kwesixa se-60.000 ye-euro kunye nexesha lokuhlawula ukuya kuthi ga kwi-8 iminyaka.

I-BBVA ibonelela ngeakhawunti enkulu ngemali-mboleko eguqukayo phakathi kweenyanga ezi-6 ukuya kuthi ga kwiminyaka emi-3 ebonakaliswa ngokubonelela nge- Isibambiso sesiqinisekiso sezabelo. Ukuze usebenzise iimeko ezifanelekileyo zentengiso yesitokhwe. Basebenzisa iqondo lenzala elingaphantsi kwe-5% kwaye baxolelwe ekuvuleni nasekuhlawuleni iifizi kwangoko.

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, unokufikelela kwincam yokuhlawula amatyala ejolise ekufezekiseni iimfuno zabanini abangafuni ukuvala imisebenzi yabo. Njengexabiso elongeziweyo, icamngca ngokunokwenzeka kokukhetha inqanaba lenzala elimiselweyo okanye eliguqukayo.

Ezinye izinto eziluncedo zala makhredithi

zi khredithi Ewe kunjalo, njengoko unokubona ngale mizekelo kwiikhredithi zotyalo-mali, azijoliswanga kuphela ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya. Ukuba akunjalo, ngokuchaseneyo, neminye imisebenzi yezemali ikho, njengaleyo ivela kwiingxowa-mali zotyalo-mali kwaye ingakumbi kwimirhumo kwizicwangciso zepenshini. Kwimizamo yamashishini ebhanki yokuvula le mveliso yemali ukuze ifike ngexesha ezinye iimfuno zotyalo-mali ngabagcini.

Enye yeenjongo zayo ezifanelekileyo kukuba unokugcina utyalomali lwakho ixesha elide kunangaphambili. Ngeziganeko ezininzi ezinokuthi ziveliswe kwimini yakho yemihla ngemihla kwaye ezinokukhokelela ekubeni uthengise izikhundla ngalo naliphi na ixesha.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
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