Imakethi yokuthengisa izindlu nomhlaba yaseSpain iyaqhubeka nesigaba sayo sokubuyisela emva kwengxaki yezoqoqosho kwaye iqinisekisiwe njengecandelo elinomtsalane kutyalo mali. Nokuba kukuthengwa kwekhaya njengesiqhelo okanye njengesiphumo se ukufunyanwa kwekhaya lesibini. Le yokugqibela ilunge ngakumbi kwimisebenzi yotyalo-mali. Ngayiphi na imeko, kwaye ngenxa yokuvuselelwa kwemarike yokuthengisa izindlu nomhlaba, le misebenzi inokuba yenye indawo yokwenza ulondolozo lwakho lube nenzuzo kwixesha eliphakathi okanye elide.
Ukungabikho kwenzuzo kwiimarike zamasheya zamanye amazwe kwiinyanga nje ezidlulileyo kubangela ukuba abantu abaninzi abafana nawe babe ujonge ezinye iindlela for Fumana isibonelelo kwilifa lakho. Ngaphaya koko, iimveliso ezivela kwimali engenayo esisigxina (iidiphozithi zexesha, amanqaku ebhanki, iibhondi, njl.
Ezi mveliso kunqabile ukuba zidlule kumanqanaba okubuyisa kulondolozo lwe-0,50%. Ithemba, ke ngoko, lemali yakho ayizizo zonke izinto onokuzifumana. Awunakukhetha ngaphandle kokuya kwezinye iimarike apho unokwenza ezi ntshukumo ngokufanelekileyo. Kwaye phakathi kwabo bonke, imarike yokuthengisa izindlu nomhlaba iphinde ivele ngamandla. Okanye yintoni efanayo, ukuthengwa kwezindlu nomhlaba njengefomyula yenza imisebenzi ibe yinzuzo ukususela ngoku ukuya phambili.
Utyalomali kwimbuyekezo yezitena
Licandelo elinxibelelene kakhulu noqoqosho lwaseSpain kwaye labethwa kanobom yingxaki yezoqoqosho. Kodwa ngoku iphinda ithathe indima yayo njengexabiso lokusabela ebusweni beziqinisekiso ezimbalwa zokuba uninzi lweebhanki okanye iimveliso zezemali zikunika ngoku. Ngokwezifundo ezininzi kwicandelo, ukubanakho ukuphinda kujongwe ukuthengwa kweeflethi kwakhona enomtsalane kubatyali mali. Ngokukodwa, ukufunyanwa kwekhaya lesibini yenye yezona ndlela zisebenzayo zokwenza ukuba umsebenzi ube nenzuzo.
Kule nto unesithembiso esomeleleyo sokubolekwa kwemali mboleko. Ukuthatha ithuba lokwehla kweedreyini kwisalathiso somgangatho wokubambisa, i-Euribor. Ayilolize, ifunyanwa kumanqanaba amabi kwaye ke unokusebenzisa eli thuba ukuthenga ikhaya lesibini elineenjongo eziphambili kutyalo-mali. Okwangoku, kukho ezinye iikhredithi zezi mpawu ngokusasazeka ngezantsi kwe-1%. Oko kukuthi, kuya kufuneka uhlawule imali encinci ngezavenge zakho zenyanga ukusukela ngoku.
Yintoni le iqulathe le misebenzi?
Ukuthengwa kwesibini nganye kuya kuba neenjongo ezimbini. Kwelinye icala, sebenzisa imeko yezoqoqosho yangoku ukwandisa iiasethi zakho. Kodwa kwelinye, fumana imbuyekezo ngale propati. Nokuba uyayithengisa xa uyixabisile, okanye uyiqeshisile. Nokuba kungamaxesha eeholide kuphela. Iya kuba sisixa esongezelelweyo esiza kuza silungele ukulungelelanisa uhlahlo-lwabiwo mali. Kuya kufuna kuphela ukuba ube nokonga okunamandla ngakumbi kunolunye utyalo-mali.
Lo ngumzuzu apho unokuthi ulwenze olu tyalo-mali ngesithembiso esinamandla kakhulu esikhulayo ngokucacileyo njengesiphumo idatha yoqoqosho elungileyo eboniswe licandelo Ngexesha leenyanga zokugqibela. Ayothusi into yokuba ezi zinto zithengiweyo zibonakalise ngendlela yotyalo-mali kwiimeko ezininzi. Ebushushwini bokunyuka okubalulekileyo kumaxabiso abo kwaye oko kuya kukhokelela ekubeni abantu abaninzi bazuze iincutshe ezinkulu kwiintshukumo zabo.
Imisebenzi yezindlu iyakhula
Ukuvuselelwa kwecandelo lokuthengiswa kwezindlu eSpain kubangela inani lezivumelwano zokufumana ikhaya lesibini ukuba liphuculwe kwiinyanga ezidlulileyo. I-Index yexabiso leZindlu (i-HPI) ehambelana nekota yesibini yowama-2016, ekhutshwe liZiko leSizwe leNkcukacha-manani (INE), iyangqina ukwanda kokusebenza kwe-3,9%. Olu datha lubalaselisa ubume obukhulu obubhaliswa ngulo msebenzi wezoqoqosho.
Lukhetho lokulahla ukonga emva kokusebenza okungaginyisi mathe okuveliswe ziimveliso zebhanki (iidipozithi, amanqaku ezithembiso, njl.njl.). Banqabile ukugqitha kwi-0,55% isithintelo, njengesiphumo semali enexabiso eliphantsi. Ikwaxabana nokuzithemba okuncinci ukuba imarike yemasheya ivuka phakathi kwabatyali zimali kwiinyanga ezilithoba zokuqala zonyaka. Apho i-Ibex 35 ingaziphathiyo njengoko kulindelwe ngabatyali mali abancinci nabaphakathi. Kwelinye icala, kwaye usebenzisa awona manqanaba aphezulu anikezelwa ziimarike, inefuthe kubatyali mali abathile ukuba bakhethe ukuthenga indlu elunxwemeni okanye ezintabeni. Nokuba kukonwabisa wena okanye njengesicwangciso esiliqili sotyalo-mali.
Imali encinci, kodwa ixabiso elincinci
Iimali-mboleko zobambiso zokufumana ikhaya lesibini zenziwa zenziwe ngokusesikweni phantsi kweemeko ezahlukeneyo zesivumelwano ngokubhekisele kwikhaya eliqhelekileyo. Ayicingi ukuba, njengoko bekucingelwa ekuqaleni, izibonelelo ezingakumbi ngokubhekisele kwimodeli yesiko yezemali. Kodwa ngokuchaseneyo, ziimveliso ezingqongqo ngakumbi ngokwemali abayinikayo kunye nemigaqo yokuhlawula. Ngayiphi na imeko, banokunikwa ikhontrakthi phantsi inzala esezantsi eyathi kwiminyaka embalwa edlulileyo njengesiphumo sokwehla kwesalathiso somgangatho apho uninzi lwemali mboleko ibhalisiwe kwinqanaba lokunxibelelana linxibelelene.
Kuba ngokusebenza kwayo, i-Euribor iye yafudukela kumhlaba ongalunganga, ngokwembali kwiinyanga nje ezidlulileyo, ngesivumelwano kwi-0,059%. Ukusuka kwi-5,384% xa yayidweliswa embindini wengxaki yezoqoqosho, ngo-2008. Ngale ndlela, idatha yakutshanje ebonelelwe liZiko leSizwe leeNkcukacha-manani, elihambelana nenyanga kaJuni 2016, ibonisa ukuba Iipesenti ezingama-76,6 zeepropathi ezibanjisiweyo zisebenzisa inzala eyahlukileyo, xa kuthelekiswa ne-23,4% yenqanaba elimiselweyo. I-Euribor iyaqhubeka ukuba lelona nqanaba lisetyenziswayo kakhulu kwizivumelwano zenzala, kunye ne-93,6% yeefemu ezintsha.
Iimpawu zezi zibambiso
Ezo zisetyenziselwa ikhaya lesibini zigcina imigca yorhwebo echazwe kakuhle. Banikela ngesixa esisezantsi xa kuthelekiswa nokuthengwa kwezindlu ezizinzileyo. Iibhanki aziboneleli ngaphezulu kwe-75% yexabiso layo elivavanyiweyo. Elinye igalelo elenziwa yimodeli yenkxaso-mali kukuba imiqathango yokuhlawula ikude. Banqabile ukugqitha isithintelo seminyaka engama-25. Icacisiwe kuba iprofayile yabafakizicelo bayo indala, kwiimeko ezininzi abantu esele befikelela kwiminyaka eyi-45. Njengomphumo wale nto ikhethekileyo kwizivumelwano, akukho khetho ngaphandle kokunciphisa ixesha lokuhlawula.
Ngaphantsi kwezi meko zorhwebo, amaziko emali akhuthaze umnikelo omiselwe ukwanelisa ezi mfuno. Ngamanye amaxesha, ngokusebenzisa iikhredithi ezingaqondakaliyo, oko kukuthi, zombini kumakhaya okuqala nawesibini. Nangona olu khetho lokugqibela luthengiswa nge iimeko ezahlukeneyo zesivumelwano. Kwaye kwabanye, ngezindululo ezenzelwe ngokukodwa oku kuthengwa kwintengiso yezindlu. Kuzo zombini iimeko, bathatha ithuba lenqanaba elifanelekileyo lenzala elenziwe ngokwenyusa kwabo. Kwezona zindululo zinoburharha, banokunika umahluko ongaphantsi kwe-1%.
Zeziphi iikhredithi ezinokwenziwa ngesivumelwano?
I-Ibercaja iyile ifayile ye- Ubambiso luvela kuMxube 5 eyenzelwe ukuthengwa kwamakhaya yesibini. Ukunikezela ngexabiso elingaphezulu kwe-70% yovavanyo lwepropathi. Umyinge wenzala umiselwa kwinqanaba lokuqala elimiselweyo kangangesithuba seminyaka emi-5, kunye ne-2,50% eseleyo. Nangona uhambelana noluhlu lweemfuno, inokuhla iye kwi-1%. Icinga ngexesha lokuhlawuliswa kwayo ukuya kuthi ga kwiminyaka engama-30.
Izinto eziBolekisiweyo eziguqukayo yimpendulo kaBanco Santander kwiimfuno zezindlu nomhlaba. Kubhekiswa kuyo kwi-Euribor + 0,99% ukusukela kunyaka wesithathu, kunye ne-1,75% emibini yokuqala. Kwimeko yayo yamakhaya yesibini, ixhasa ngemali i-70% yokuthenga, kunye nexesha lokubuya kwayo elingekho ngaphezulu kweminyaka engama-25. Ngaphantsi kwendlela eyahlukileyo, i-BBVA ithengisa iMortgage eQhelekileyo. Kuyaphawuleka ngenxa yokuba umdla wabo uyahluka ngokuxhomekeke kumaxesha amisiweyo ekuvunyelwene ngawo ukubuyisa isixa. Phakathi kwe-2,51% (ubuninzi beminyaka eli-15) kunye ne-2,85% (iminyaka engama-20). Kuzo zonke iimeko ixhasa iipesenti ezingama-70 zepropathi entsha. Ukwamkelwa kwayo kufuna ezinye ingeniso eqhelekileyo ngaphezulu kwe-1.500 euro ngenyanga.
I-ING ngqo yeOfisi yeMboleko yobambiso yenye into enokufumaneka kubasebenzisi ukwenza le ntengiselwano yokuthengiswa kwezindlu. Ngesixa-mali se-75% sexabiso lokuxabisa, ngokuxhomekeke ekubeni umsebenzi wenziwe ngokusesikweni ukusuka kwi-50.000 euro. Ukusuka kwi-Euribor + 0,99%, ubuncinci ubuncinci be-9 kunye nexesha elingaphezulu kweminyaka engama-40. Elinye igalelo lalo kukuba yenziwe yasimahla iikhomishini kunye nezinye iindleko kulawulo lwayo.
I-Ofisi ethe ngqo ibonelela nge-Euribor + 1,10% kwaye ayixolelwe kwii-commissions. Ukuya kuthi ga kwi-60% yexabiso lokuthenga, ngesixa esikhulu se-600.000 ye-euro kunye neminyaka engama-30 ngaphambili yokuvala umsebenzi. Igalelo lalo elikhulu lilele kwinto yokuba abanini bayo banokuzuza kuphuculo lwenqanaba lenzala, kunye nebhonasi efikelela kwi-1%. Ngokutsalwa ngqo kwimivuzo yakho, i-inshurensi yasekhaya kunye nokuqesha amakhadi akho. Ubambiso lweOpenbank luboniswa kubathengi bayo kwi-Euribor + 1,25%, ngaphandle kokuba iimeko zayo zibhalisiwe. Koku kungasentla, yongeza ngqo kwi-debit yamatyala asekhaya. Iimali ezingama-70% kwixesha elineminyaka engama-25. Ijolise kumanani aqala kwi-50.000 euro, kwaye ayibandakanyi nayiphi na ikhomishini. Elinye igalelo lalo kukuba livumela ukuhlawulwa kwetyala kwangoko, ngaphandle kwasohlwayo.