Igatya lomgangatho lelinye lawona manani onakalisayo kubafaki-zicelo zemboleko mboleko. Ukuza kuthi ga kwinqanaba lokuba kubenempikiswano ebanzi malunga nokusetyenziswa kwayo kwaye unokwenza ibango ngenyathelo elisemthethweni. Akunanto, igatya lomgangatho lichaphazela ukuba awukwazi konga iiyuro ezininzi xa uxhasa ngemali ukuthengwa kwendlu okanye indlu yakho. Eli ligatya ongalaziyo ngamanye amaxesha ukuba uyatyikitya kwaye elinokuthi ngokungathandabuzekiyo likubeke ngaphezulu kokuzibophelela nakweyiphi na imeko. Ngamanye amaxesha ngenxa yokuphathwa gadalala liziko elithengisa le mveliso yemali.
Kubaluleke kakhulu ukuba uyazi ukuba igatya lomhlaba, elibizwa ngokuba ngumhlaba wobambiso, yimodeli yenkxaso-mali ethi izuze amaziko aphetheyo ekuthengiseni lomgca wekhredithi wokuthenga ikhaya. Ukonakaliswa kwabasebenzisi ngokwabo kuya kubonakala wenzakaliswe ziimeko yale khontrakthi ikhethekileyo ebandakanyiweyo kule klasi yobambiso. Ukuya kwinqanaba lokuba awuzukukhetha ngaphandle kokuhlawula imali engaphezulu kuhlahlo-lwabiwo mali lokuqala kwaye oko kuyakufuna unyango olungaphezulu kolukhethekileyo.
Ngayiphi na imeko, ligatya lesivumelwano eliseka umda omncinci wenzala eya kuthi isetyenziswe kwisavenge nokuba iqondo lenzala liwile. Kungoko kuluncedo oluncinci kwimidla yabasebenzisi bebhanki abangazukukwazi ukuxhamla kunciphiso lwenzala olunokwenzeka kunye noqikelelo. Njengoko kwenzekile kule minyaka idlulileyo apho ibhentshi yaseYurophu, iEuribor, ibikwinqanaba eliphantsi kula mashumi eminyaka akutshanje. Ngokukodwa, kwindawo engalunganga xa kuthengiswa ngalo mzuzu -0,161. Into eluncedo kakhulu ekuphuculeni inzala kolu didi lweemveliso zemali.
Ukwazi njani ukuba igatya lomgangatho?
Ukuba ufuna ukwazi ukuba ityala lakho lobambiso lwenziwe phantsi kwale meko yokuhlukumeza ngokucacileyo ngamashishini emali, awuzukukhetha ngaphandle kokuya kwezi ngcebiso zilandelayo. Ekuqaleni, funda ukuprinta okuhle yesivumelwano kwaye ukuba kunjalo phantsi kwaziphi iimeko isicelo senziwe. Iya kuba ngumzuzu wokuba uvavanye ukuba kufanelekile na ukuba wenze olu hlobo lwamakhredithi lube sesikweni. Hayi ngelize, unokukhetha enye imodeli engabandakanyi igatya lomgangatho.
Icebo lesibini liya kubandakanya uthethathethwano olunokwenzeka ukuze eli gatya limodareyithe amanqanaba alo omhlaba kubambiso. Ubuncinci unako yonyuse ngesishumi sepesenti ezimbalwa. Kodwa nangayiphi na imeko, ayizukunceda kakhulu kwimicimbi yakho yobuqu kuba ukuphela kosuku awuyi kuba nandlela yimbi ngaphandle kokuhlawulela ukufunyanwa kwelo khaya ulithandileyo. Eli iya kuba lixesha lokuba uyazi into oyityikityayo kolu hlobo lobambiso lubaluleke kakhulu.
Iimpawu zegatya lomgangatho
Le modeli kulo mgca wekhredithi yokuthengwa kwepropathi ibonakaliswe ngokusisiseko kuba umdla wabo uhlala uphononongwa phakathi kwelinye kunye namaxesha amabini ngonyaka ngokwe umahluko edla ngokuba yi-Euribor. Ngale ndlela, igatya lihlala lithetha umda osezantsi ngokubhekisele kwinzala eyahlukileyo yobambiso. Ngokwenza oko kuthetha ukuba uya kuba uvumelane nebhanki yakho ubuncinci beepesenti ekungekho xesha linokophulwa. Kwaye loo nto imbi kakhulu kwimeko ye-bearish kule klasi yeeasethi zemali. Kwelinye icala, iqumrhu elinamatyala liya kuba likwazile ukuqinisekisa ukuba kuya kufuneka uhlawule ubuncinci wenzala oya kuthi uhlale usizuza kuwo.
Ukuthintela ezi meko, kunyanzelekile ukuba amaziko etyala azise abasebenzisi ngezi ntlobo zeemeko zihlukumeza iimfuno zakho njengabasebenzisi. Nokuba kunyanzelekile, ngazo zonke iintlobo ze iinkcazo malunga nokusetyenziswa kwayo kwaye phakathi kwazo iincwadana ezinemifanekiso zigqamile. Elinye inyathelo elisebenzayo xa ujongene nale meko iboniswe yimarike yempahla ebambekayo kukuba ayiyicingi ngokude kakhulu apho kunokwenzeka ukuba inzala yehle kakhulu. Okanye ubuncinci ukuze uzuze kwimali efikelelekayo yenyanga eya kulungela uhlahlo-lwabiwo mali.
Amanyathelo okukhusela umsebenzisi
Kuyo nayiphi na imeko, isigqeba esigunyazisiweyo samkele umgaqo wamanyathelo angxamisekileyo okhuseleko lwabathengi ngokubhekisele kolu hlobo lwamagatya akhethekileyo kwimali mboleko yezindlu Ngaphandle kwenjongo enye kukuphuhlisa iindlela zokhuselo ukukhusela kule miqathango kwizivumelwano zemboleko yezindlu. Apho kuyakubaluleka kakhulu ukujonga ukuba bayazithobela na iimfuno zolwazi ezifunwayo kwezona ziko liphezulu zezomthetho.
Ngomnye umzila, awunakulibala ukuba amaziko emali afumene ngaphezulu kwesiqingatha sesigidi amabango egatya lomgangatho. Apho malunga ne-80% bacingele ukuba abasebenzisi bayithathele ingqalelo ngohlobo lwemali, okanye ubuncinci ngemilinganiselo yokubuyekeza. Nangona kunjalo, abanye basalinde impendulo kwaye kwezinye iimeko khange bamkelwe ngenxa yezizathu ezahlukeneyo. Ngayiphi na imeko, yenza umahluko ekuthini abanini babambiso babaluleke kakhulu.
Izitshixo zokufumanisa le miba
Ewe kunjalo, kuqhelekile ukuba ngeli xesha uyimiselayo le mveliso yemali, ayikucaciseli kwelinye iqela ukuba uqulethwe yintoni umgangatho wobambiso. Okanye imeko imbi kakhulu, njengoko le meko inempikiswano ifihlwe kwinto enzima isakhelo sesivumelwano. Kuzo zonke, uneendlela ezithile zokubonisa ukuba ungomnye waba bantu. Ngaba uyafuna ukwazi ukuba zithini na ezi meko?
Ukuba awukwazi ukufumana igatya lomgangatho kwisivumelwano, esona sisombululo silula sisekwe kukujonga irisithi yokugqibela ukuba uthunyelwe yibhanki. Ukuze ngale ndlela, ungaqinisekisa ukuba inqanaba lenzala elivela kolu xwebhu alilingani nesixa se-Euribor kunye nolwahluko ovumelene ngalo neziko lakho letyala. Kuba kule meko ikhethekileyo iya kuba ngumgangatho wobambiso lwakho.
Umrhumo uhlala uhleli
Kwelinye icala, kukho enye inkqubo yokuchonga engaze isilele ukwazi ukuba ityala lakho lobambiso linegatya lomgangatho elifakiwe. Iqukethe ukubonisa ukuba ukuhlawulwa kwemali mboleko ihlala ihleli ilungisiwe nangona kukho umahluko kwibhentshi yaseYurophu, i-Euribor. Ukuba bekunjalo, ungathandabuzi ukuba ungomnye wamawaka achaphazeleka kwezi meko zokuhlukumeza kumaziko emali. Awunakukhetha ngaphandle kokulibanga, nkqu nakwiinkundla ukuba iimeko zifuna njalo.
Kwelinye icala, inokuthi ifihlwe luthotho lweentetho ezisetyenziswa kwizenzo zeebhanki kwaye apho zibhekisa kule meko. Ngaphandle kwakho uyazi ukuba uphantsi kwale meko yokubambisa. Ewe, elona cebiso lililo kukuba uyacetyiswa ngokuchanekileyo ziingcali ezinokubona ezi zinto Amaqhinga okubhankisha. Ngale ndlela, elinye lamagama asetyenziswa zizinto ezikhutshwayo "ngumda owahlulayo wenqanaba lenzala elisebenzayo". Ukuba kubonakala kwisivumelwano, ungathandabuzi okomzuzwana ukuba unegatya lomgangatho kwisivumelwano.
Ukupheliswa kwesivumelwano
Iindaba ezimnandi malunga nomdla wakho njengomsebenzisi kukuba uninzi lwamaziko emboleko ashenxise imigangatho yemali mboleko yezindlu ngenxa yezibonelelo zeNkundla ePhakamileyo yoMgwebo kaMeyi 9, 2013. zibhengezwa njengamampunge kwaye ke azisasebenzi, nokuba utyikitye ukusebenza ngaphambi kwesi sigwebo. Nokubanakho ukubanga iimali ezihlawulwe ngaphezu kwezavenge zenyanga. Nokuba unokukhetha ukufaka ibango kunye nezinto ezikhupha le mveliso yemali.
Esi sesinye sezizathu zokuba kutheni ilixesha elilungileyo lokurhuma kulo mgca wekhredithi. Ayipheleli nje ekukubandakanyeni eli gatya linempikiswano, kodwa bakhululwe nakwiikomishini nakwezinye iindleko kulawulo nakulondolozo lwayo. Kongezwe kuyo ukuboniswa kwe ukwanda kukhuphiswano. Apho kunikezelo lobambiso lwangoku unokufumana izindululo ezingezantsi kwe-1%. Ngokonga okubaluleke kakhulu kwimali oza kuyibhatala inyanga nenyanga kwintlawulo yobambiso.
Nangona kunjalo, le yimeko engayi kuhlala ngonaphakade ngenxa yokunyuka okubonakalayo kwenqanaba lenzala kumazwe e-eurozone. Kuba injongo ye-European Central Bank (i-ECB) kukwenza lo manyathelo ekupheleni konyaka, njengoko umongameli wayo ebhengezile kwiintlanganiso zokugqibela zequmrhu elilawulayo kwilizwekazi elidala. Kwimeko apho, ukusasazeka kwemali-mboleko eguquguqukayo kuya kukhula ngokuqhubekayo kule minyaka imbalwa izayo. Okwangoku, iya kuba lixesha lokuthatha isigqibo sokuba kungcono na ukwenza ikhredithi ngokusemthethweni. Phakathi kwezinye izizathu, kuba uya kuhlala unemali efanayo yenyanga kwaye ngaphandle kwemimangaliso yokugqibela.