5 okhiye bokuthatha imali yokubambisa

Ngaphakathi emakethe yezezakhiwo kunento eyodwa eqiniseke kakhulu futhi lokho ukuthi kusukela manje ukukhipha imali ebanjiswayo kuzobiza kakhulu kubantu abafuna ukuthenga ifulethi. Njengomphumela wokukhula okuqhubekayo, yize kuhamba kancane, ebhentshini lokulinganisa laseYurophu, i- I-Euribor. Kanye nezimo eziya ngokufuna kakhulu amabhange azibeka kubafakizicelo balo mkhiqizo wezezimali. Kuze kube seqophelweni lokuthi namuhla kufanele ukhokhe ama-euro ambalwa ngaphezulu ekukhokhelweni kwenyanga kwalokhu kubanjiswa kwemali.

Lokhu kubhekisa ekubanjweni kwemali ekhokhelwe enezinga lenzalo eguquguqukayo. Ngoba lezo ezixhunyaniswe nezinga elinqunyelwe zihlala ne imajini efanayo yokulamula. Lokho kusho ukuthi, kuphakeme kepha kungenzeki ekuxazululeni kwayo nokuthi kuyaziphoqa kokuthandwa ngabasebenzisi. Kuze kufike ezingeni lokuthi bathole isabelo esikhulu semakethe ezinyangeni ezedlule ngenxa yalesi simo esisha esivezwa yimakethe yezindlu kusukela manje.

Kunoma ikuphi, abafakizicelo balo mkhiqizo odingeka kakhulu wamabhange banamasu amaningana okwenza ngcono izimo zabo ku ukuthola izinkokhelo zokubambisa. Ngeke kuthathe umzamo omkhulu ukuwenza futhi esikhundleni salokho uzokwazi ukonga ama-euro ambalwa minyaka yonke. Ngaphandle kwezikhathi zokuhweba ezibekwe ezikhungweni zezezimali. Ngoba okuyikho ekupheleni kosuku ukuthi ukwenziwa ngokusemthethweni kwale mali yokuthengwa kwekhaya akufuneki kangako kusuka manje kuqhubeke.

Ukhiye wokuqala: sebenzisa ngokunikezwayo

Ngaphandle kokunyuka okuncane kwemali mboleko yempahla, akukho kungabaza ukuthi amabhange ayaqhubeka namasu awo wezohwebo wokuqhakambisa ukunikezwa kwawo nezenyuso zokumaketha lo mkhiqizo oyisisekelo ingxenye enkulu yemindeni yaseSpain. Ngokusebenzisa iziphakamiso ezibonisa ngokwengeziwe ukusabalala kokuncintisana futhi ongonga ngayo ama-euro ambalwa njalo ngenyanga. Ngaphansi kokwehliswa kwezingxenye ezimbalwa zephesenti ngokuqhathaniswa namazinga okuqala. Ukuze ngale ndlela bakwazi ukubamba imali yomncintiswano futhi bandise inani lempahla ababolekayo kumakhasimende abo.

Amanye amasu asetshenziswa yizinhlangano zebhange yi ukuqedwa kwamakhomishini nezindleko ekuphathweni noma ekugcinweni kwayo. Lokhu sekuvele kuyinto ejwayelekile ezinyangeni ezedlule ukwethula umkhiqizo okhuphuka ngokuncintisana futhi kungahle kuthakazelise kubafakizicelo abasha balo mkhiqizo wezezimali. Akunakulibaleka ukuthi lezi zindleko zingamela kufinyelela ku-3% wenani elifunwayo. Lokho wukuthi, imali eningi isengcupheni yamanani aphakeme njengalawo aphethwe ngale mikhiqizo yezezimali.

Isikweletu sempahla engaphansi

Ngenxa yezici ezingenhla ekubanjweni kwemali mboleko, isixazululo sokwehlisa kungenziwa ngokubekwa ngaphansi kwalo mkhiqizo. Ngoba impela, akungabazeki ukuthi izimo zamanye amabhange zingajabulisa ngokwengeziwe ngalezi zikhathi eziqondile. Kepha kuzodingeka ngempela bala ukuphathwa kwalokhu kusebenza kwezezimali. Futhi into ebaluleke kakhulu, ukuqinisekisa ukuthi kukhona ikhomishini ye-subrogation engenza lokhu kuhamba kwempahla kubize kakhulu kuze kufike ku-2%.

Ngenkathi ngakolunye uhlangothi, ukwenza lolu shintsho kwezimali zekhaya kuzodingeka futhi umehluko phakathi kokunye ukunxephezela ekusebenzeni. Ngamanye amagama, imali mboleko entsha kufanele ishibhile kakhulu ku- ushintsho lufanele ngempela. Akunakulinganiswa ngamanani angafanelwe ukwethenjwa kwethu ukwehluka ngohlobo lwesibambiso esisibhalise nganoma yisiphi isikhathi sempilo yethu. Kunoma ikuphi, kuzoba ukusebenza okudinga izibalo eziningi ukwazi imali esizoyonga.

Khetha izinkontileka zamanani amisiwe

Esinye isixazululo esinikezwa yimakethe yezezakhiwo ukuphendukela kwizimalimboleko zamanani alinganiselwe kulimaze amanani ezinga eliguqukayo. Ngenxa yezizathu ezahlukahlukene, yize enye yezinto ezinamandla kakhulu isuselwa eqinisweni lokuthi sizohlala sikhokha imali efanayo yenyanga. Noma yini eyenzekayo ngenani lenzalo ezimakethe zezezimali. Yize ekuqaleni singakhokha imali ephakeme yanyanga zonke esikhathini esizayo kuzoba umsebenzi onenzuzo enkulu. Ikakhulukazi kunikezwe ukukhuphuka kwentengo yemali emazweni asendaweni ye-euro. Ngaphezu kwalokho, ngenzuzo yokuthi ngaso sonke isikhathi sizokwazi ukukhokha okuzodingeka sibhekane nakho ukuthola inkontileka yalo mkhiqizo wasebhange.

Ngakolunye uhlangothi, ngeke sibe nezimanga kwisitolimende eminyakeni lapho imali mboleko yempahla iqhubeka. Ukuze ngale ndlela, sikwazi ukuphatha kangcono isabelomali umndeni noma uqobo. Ngenxa yalezi zizathu, ukuguquguquka kwemali mboleko yemali engaguquki ekufunweni kwabasebenzisi basebhange akumangazi. Enye yezinto eziphakeme kakhulu eminyakeni yamuva futhi ehambisana nokuxolelwa kumakhomishini nezindleko ezitholwe ekuphathweni noma ekugcinweni kwayo. Yize esikhathini esifushane kungewona umsebenzi onenzuzo, usemkhatsini futhi ikakhulukazi ubude. Ngokonga okubaluleke kakhulu okuzobonakala esimweni sangempela se-akhawunti yethu yokonga.

Nciphisa izinsuku ezibekiwe

Uhlelo olungasoze lwehluleka ukukhokha imali encane kulo mkhiqizo wezezimali luqukethe ukuthola izivumelwano zemali-mboleko enemibandela emifushane kakhulu. Yize izinkokhelo zanyanga zonke zizofunwa kakhulu kusukela ekuqaleni, ekugcineni sizokhokha imali encane ngenzalo. Ngenkathi ngakolunye uhlangothi, izinga lethu lesikweletu lizoncishiswa. Phakathi kwezinye izizathu ngoba sizokhokha isikweletu ngokulindela okukhulu. Ungabhalisa kuya eminyakeni eyi-10, 15 noma engu-20 kuya ngezidingo zabafakizicelo. Ukuba elinye isu elisemthethweni kakhulu lokukhokha imali encane yokuqashwa kwale modeli yokuxhasa ikhaya.

Ngenkathi ngakolunye uhlangothi, asikwazi ukukhohlwa ngalesi sikhathi ukuthi isikhathi esifushane ekubanjisweni kwemali sikhiqiza ezinye izinzuzo ezengeziwe. Ngokuqondene nesibonelo, se- funa olunye uhlobo lwamakhredithi: ukusetshenziswa, abantu noma ukuthengwa kwezinto ezinhle. Noma okufanayo, nakanjani uzobeka lesi sikweletu esihlala iminyaka eminingi kangaka eceleni ukuze ubhalise esinye esinesikhathi esincane ngesikhathi. Ngaphandle kolunye uchungechunge lokucatshangelwa kwezobuchwepheshe okuzoba yindaba yolunye ulwazi.

Abanikezeli ukuhlolwa okuphelele

Kubalulekile futhi ukuqaphela ukuthi ngalesi sikhathi amabhange awasakuniki i-100% yenani lokuthengiselana kwezindlu. Kepha kuzofanele uzikhokhele I-70% noma i-80% yokusebenza esimweni esihle kakhulu. Lesi sici sisebenza sisho ukuthi kusukela manje kufanele ube namandla amakhulu wokonga ukufeza inhloso yakho eseduzane, okungekho okunye ngaphandle kokuthenga lelo fulethi olithande kakhulu.

Uma kungenjalo, ngeke ube nethuba lokwenza inkontileka ibe yasebhange lakho elijwayelekile. Ngoba mina bazosiphika isicelo owethula ukusayina ukuthengiselana kwemali mboleko. Lezi yizici, okungamafuphi, ongeke ube nokuzikhethela ngaphandle kokuzinaka kusuka manje kuze kube manje ukwenza inkontileka yemalimboleko yempahla. Noma iyiphi iphrofayili oyivezayo njengommangali. Noma okufanayo, nakanjani uzobeka lesi sikweletu esihlala iminyaka eminingi kangaka eceleni ukuze ubhalise esinye esinesikhathi esincane ngesikhathi. Ngaphandle kolunye uchungechunge lokucatshangelwa kwezobuchwepheshe okuzoba yindaba yolunye ulwazi.

Izinga lenzalo ekubanjweni kwemali mboleko

Isibalo semali ebolekwe emakhaya singama-30.716, 15,8% ngaphezu kukaMashi 2018, ngokusho kwamuva okuhlinzekwe yiNational Institute of Statistics (INE). Lapho kukhonjiswa khona ukuthi isilinganiso semali singama-euro angama-125.341, ane- Ukwanda ngo-3,9%. Isilinganiso semali ebolekiwe ebhaliswe kumarejista ezakhiwo ngoMashi (kusuka kuzenzo zomphakathi ezenziwa phambilini) ngama-euro angama-146.544, ama-6,9% aphakeme kunayo leyo nyanga ka-2018.

Umbiko we-INE ubuye ukhombise ukuthi kwizibambiso ezibanjelwe enanini lesamba sezakhiwo ngoMashi, uhlobo lwe inzalo emaphakathi ekuqaleni ingu-2,58% (2,3% ngaphansi kukaMashi 2018) kanye nesikhathi esimaphakathi seminyaka engama-23. Ama-60,6% wemali mboleko isezingeni lenzalo eguquguqukayo kanye nama-39,4% ngesilinganiso esimisiwe. Izinga lenzalo emaphakathi ekuqaleni lingu-2,27% wemali mboleko yamanani eguqukayo (7,1% ephansi kunangoMashi 2018) kanye no-3,24% wemali mboleko yamanani amisiwe (4,1% ngaphezulu ngaphezulu).

Ngenkathi ngakolunye uhlangothi, emalini ebolekwa imali eyenziwe emakhaya, isilinganiso senzalo esimaphakathi siyi-2,62% (0,1% ephakeme kunangoMashi 2018) kanye nesikhathi esimaphakathi seminyaka engama-24. Ama-58,1% wemali mboleko yasekhaya isezingeni eliguqukayo kanye no-41,9% ngesilinganiso esimisiwe. Izimalimboleko zokulinganiselwa ezingaguquki zithole ukwanda kwezinga lonyaka lama-24,5%. Izinga lenzalo elijwayelekile ekuqaleni lingu-2,34% wemali mboleko emakhaya anezinga lokuntanta (ngehle ngo-2,7%) no-3,11% wemali mboleko yamanani angaguquki (1,6% ngaphezulu).


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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.