Ngaba uthenga ikhaya okanye ungcono kwirente?

yokuqeshisa

Omnye wemibuzo ebaluleke kakhulu oza kuzibuza wona mzuzu ngqo wokuzimela nokuba kukulungele na Ukuthenga umgangatho okanye ngokuchaseneyo, esona sisombululo sisiso siya kusekelwa ekuqeshweni. Ayisosigqibo kulula ukusithatha, kodwa kufuneka sixhaswe kukucinga okunzulu. Apho uthathela ingqalelo into eyi imeko yokwenene yoqoqosho lwakho buqu okanye usapho. Ukuya kwinqanaba lokuba kufuneka uvavanye izinto ezibalulekileyo ngokungathi unomsebenzi osisigxina, uthini umvuzo wakho kwaye ukuba ngaba uza kuhlala nabanye abantu.

Kule meko ngokubanzi, kuya kufuneka ukhumbule ukuba malunga nesine kwabalishumi baseSpain Ukuhlala kwirenti kushiya ngaphezulu kwe-40% yengeniso yosapho, lelinye lawona manqanaba aphezulu kwi-European Union (i-EU), ngokweedatha zamva nje ezinikezwe yi-Eurostat. Ukuya kwinqanaba lokuba ukuhlawula ngaphezulu kwe-40% yengeniso kwizindlu kuthathelwa ingqalelo yi-EU njengerhafu egqithileyo kuqoqosho lwekhaya. Le yenye yezinto zokuqala ekufuneka uzihlalutye ukusukela ngoku ukuya phambili.

Kwelinye icala, indawo ekuthengiswa kuyo izindlu nomhlaba Casastua yenze uphononongo “kwimfuno yezindlu eSpain. Kwiminyaka elishumi emva kokuqhambuka kwengxaki ”. Apho kutyhilwa khona ukuba iipesenti ezingama-37 zabantu baseSpain abazimisele ukutshintsha amakhaya abo ngo-2018, ama-24% bakhetha ukufumana amakhaya abanawo, ngelixa i-13% kuphela ikhangela irente. Esi siphumo sibonisa imeko entsha eqhubeka eSpain kwimarike yokuthengisa izindlu nomhlaba ukusukela, ngo-2017, kwi-31% ebifuna ukutshintsha ikhaya labo, i-17% ibifuna ukufumana ipropathi xa kuthelekiswa ne-14% ebiceba ukuyiqesha, ethi kuthetha ukuba injongo yokuthenga iKhaya inyuke nge-7%, ngelixa ukhetho lokurenta lwehlile nge-1%.

Thenga ukurenta ikhaya

Kuyo nayiphi na imeko, kukho indlela yesithathu enokukunceda ukuba wonge imali yakho ibe yinzuzo ngakumbi kunakwimarike eziqhelekileyo zemali. Imalunga nokuthenga ikhaya ukulirenta kamva kwaye ngale ndlela Unomvuzo ozinzileyo noqinisekisiweyo Inyanga qho. Ngale ndlela, le ndlela intsha yotyalo-mali ifikelele kwizinga eliphezulu le-7,8%, amanqaku amathathu ngaphezulu kwikota yesithathu yowama-2013, xa yayimi kwi-4,9%. Enye yeenzuzo zayo eziphambili ilele kwinto yokuba uya kuba nakho ukugqitha kwimida yoko isitokhwe sikunika kona ngalo mzuzu.

Ukongeza, enye yezona zibonelelo zichaphazelekayo kule ndlela yotyalo-mali kukuba uya kuhlala unepropathi, nokuba kwenzeka ntoni ngeemarike zezemali. Ngelixa kwelinye icala, ukuba nekhaya uya kuba nakho yenze intengiso Ngexesha lokuphonononga kwakho ucinga ukuba kufanelekile. Apho unokufikelela khona ngaphezulu kwe-20%. Ipesenti ekunzima kakhulu ukuyiphumeza kwezinye iimveliso zezezimali (iimali zotyalo-mali, ukuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya okanye iimali ezithengiswayo, phakathi kwezinye zezona zibalulekileyo).

Izinto eziluncedo ngokuthenga ikhaya

ukuthenga

Ukufunyanwa kwepropathi yokuthengiswa kwezindlu kunye nomhlaba kukuzisa kuthotho lwezibonelelo ezibaluleke kakhulu ekufuneka uzazi ngeli xesha. Okokuqala, iya kwenza ntoni kuwe? Yandisa iiasethi zakho zobuqu okanye zosapho nokuba ibe yinxalenye yelifa lakho. Ngokusebenzisa izinto ezilungileyo ezixabisa unyaka nonyaka. Njengambalwa iimveliso zezezimali zikunika okwangoku. Kwaye ekuhambeni kwexesha inokufikelela kumanqanaba anomdla kakhulu ukuhlangabezana nokulindelweyo njengomtyalomali omncinci nophakathi.

Enye into ekufuneka ixatyisiwe ngeli xesha yile ivela kuyo Icandelo elinemvakalelo ephezulu. Hayi ngelize, yenye ipropathi onayo kwaye eya kukwenza ukonyusa iiasethi zakho zobuqu phantsi kwesixa esibaluleke kakhulu kwaye ezingenakho ukwenziwa ngokusesikweni ngezinye izinto eziphathekayo. Kwelinye icala, yindawo apho unokukhokelela kubomi bakho bobuqu okanye bosapho. Ukuya kwinqanaba lokuba uya kuba nakho ukwenza imisebenzi ocinga ukuba iyimfuneko ukuze ukhululeke.

Ezinye iziphene kolu khetho

Ngokuchasene noko, ukuthenga iflethi okanye indlu kuzisa uthotho lwezibonelelo ezinokukuzisela le nkqubo yokuhlalisana. Ezona ziphambili kuzo zonke zezi iintlawulo zemali Ukuthengiswa kwezindlu nomhlaba kuya kubandakanya. Ayisiyiyo kuphela eyokubuyisa irhafu yengeniso, kodwa ikwakhona nakwinqanaba lendawo. Umzekelo, eyaziwa ngokuba yi-IBI kwaye ihlawulwa minyaka le kwaye kubandakanya umzamo omkhulu wezezimali kwicala lakho. Into onokuyiphepha ukuba uhlala kwindawo yokurenta. Kuya kufuneka uvavanye ukuba kufanelekile na ukuthatha ezi ntlawulo zerhafu.

Ewe kunjalo, kuya kufuneka ukhumbule ukuba ukuthenga iflethi kuya kukuthintela ekufumaneni imali eninzi kwiakhawunti yakho yokujonga. Umgangatho wakho wokuphila uya kuba sezantsi, nanjengoko ungenakukwazi ukuba nemali engakumbi ukwenza imali ngokulondolozwa kwestokhwe okanye ezinye iimveliso zemali. Le yenye yezinto abathi abanye babantu abakhetha iskimu sokurenta njengexabiso lokuhlala kunye. Ukuya kwinqanaba lokuba unokwenza izinto ezininzi ngakumbi kunokuba ungumnikazi wekhaya lakho.

Ukuqeshiswa kwegumbi: izibonelelo

yokuqeshisa

Le nkqubo yokuhlala kwiflethi sesinye sezisombululo kubantu abaninzi abangakwaziyo ukuboleka imali okanye abanayo imali eyaneleyo yokujongana nomsebenzi wokuthengiswa kwezindlu. Ngale ndlela, ingxelo ebikhe yaqwalaselwa ngaphambili ibonisa ukuba iprofayili ekhetha ukurenta ngumfazi oneminyaka engama-25 ukuya kwengama-34 ubudala. Ukonakalisa umthengi okhethwe yindoda phakathi kweminyaka engama-35 ukuya kuma-54 ubudala, eneqabane nabantwana. Ngale ndlela, le ndlela inye ekwakhiweni kwezindlu yenziwa njengecebo lokugqibela lokuzimela. Ngokukodwa, lelona candelo lincinci loluntu lelona linakho ukuphuhlisa lo msebenzi wokuthengiswa kwezindlu.

Kodwa ukuba kukho nayiphi na into ebonakalisa inkqubo yerente, ayisiyonto ngaphandle kwaleyo eya kukunika imvakalelo yenkululeko enkulu kwaye amathuba okushukumiseka kwejografi kwimeko yokutshintsha kwephondo okanye ilizwe ngenxa yomsebenzi okanye iimeko zobuqu. Ayothusi into yokuba ubudlelwane bezinto eziphathekayo buya kuba buphantsi kakhulu kunenye indlela esithetha ngayo kweli nqaku. Kananjalo awungekhe ulibale ukuba le nkqubo yokusebenza ikunceda utyale imali ukuze woyise ngaphezulu kwesicwangciso esisekwe ekukhuthazeni ingxowa yokonga engaphezulu okanye engenamandla.

Ezinye izibonelelo zokurenta

Ngaphandle kwenkolelo engaphezulu okanye encinci yokuba ukurenta kuhlala kudala iingxaki kuwe, zininzi izinto ezinokukunceda utshintshe ingqondo yakho kula maxesha ngqo. Enye yezona zinto zimiselweyo zihambelana nembono yokuba lukhetho olungaphezu kwako konke olukuvumela ukuba uhlale kwindawo yesixeko osifunayo. Ukuza kuthi ga kwinqanaba lokuba ukwazi ukwenza ifayile ye- kutshintsha idilesi okoko nje uthatha isigqibo okanye utshintshe iimeko zakho. Into enzima kakhulu kunokuba unendawo oyithengileyo. Hayi ngelize, ziimeko ekungafanelekanga ukuba uzityeshele xa ukhetha indlela yakho yobomi kule minyaka imbalwa izayo.

Kwelinye icala, uya kuba namandla zakhiwo ukuze ukhethe eyona ndlela ifanelekileyo yokuhlalisana kunye ukusukela ngoku. Uncedo lokuba ukuba wenza impazamo uyakuhlala unethuba lokulungisa esi sigqibo usenzileyo. Ngenxa yokuba ungaqala ukutshintshela nanini na xa ufuna. Akukho miqathango isigxina, ngaphaya kwale ichazwe kwisivumelwano osisayine nomnini wepropathi.

Iimpawu zokuhlala kwirente

isivumelwano

Ngokuchasene noko, kukho uninzi lwezinto ezingalunganga ezikhokelwa yinto yokuba ukuhlala ekhayeni lakho kuya kukubonelela nge ukuziva unqabisekile. Oku kuyinyani, nokuba awukahlawuli mboleko oyicelileyo kwibhanki osebenza kuyo. Ukuhlala kwirente akuyi kukuvumela ukuba uphucule iiasethi zakho. Ukuza kuthi ga kwinqanaba lokuba uya kuba nezinto ezincinci oshiyelela iindlalifa zakho. Into ebaluleke kakhulu ukuyixabisa, ngakumbi kubanini abaneminyaka yobudala.

Ukucwangcisa ubomi bakho kuya kuhlala kunzima ngakumbi ukuba ukhetha ukuhlala kwirente. Phakathi kwezinye izizathu kuba uya kuziva ungakhuselekanga kwinto enokwenzeka kuwe kule minyaka izayo. Ngeengxaki ezinzulu ocinga ukuba awuyi kuba nakho ukuthatha umrhumo wokurenta kule nkqubo yokuhlala. Ngamafutshane, zezinye zezinto ekufuneka uzivavanye ngalo lonke ixesha xa kuvela le ngxaki ibalulekileyo kwimodeli yezindlu oyifunayo kule minyaka izayo. Ke ngoko, uya kudinga ukucamngca okubonisa kakhulu ongakwaziyo ukusombulula kwiiyure ezimbalwa. Akukho miqathango isigxina, ngaphaya kwale ichazwe kwisivumelwano osisayine nomnini wepropathi.


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