Abasebenzisi okwamanje abathole ezinye zezinhlelo zempesheni neBankia basenhlanhleni. Phakathi kwezinye izizathu ngoba kusukela manje bazohlomuliswa ngakho-ke bazothola okuningi kulokhu umkhiqizo womhlalaphansi. Njengoba uphawule esitatimendeni sakho sakamuva sabezindaba. Ekuzibophezeleni kulo mkhiqizo wezezimali osebenze kakhulu ngenxa yezimpesheni eziphansi ezikhona ezweni lethu njengamanje. Yize okwamanje, lesi sinyathelo secebo asidluliselwanga kwezinye izinhlangano zebhange eSpain.
Yebo, ukufika ephuzwini kule ndatshana, kufanele kuqashelwe ukuthi ngokusho kukaBankia kuzokhokha ibhonasi efinyelela kuma-5% kulabo abanikela futhi badlulisele ezinhlelweni zempesheni ngaphakathi kohlaka lomkhankaso wempesheni, ozoqhubeka kuze kube sekupheleni kwendunu. Uhlelo lwe amabhonasi futhi amaphesenti ebhonasi azosuselwa kunani elinikelwe noma elihlanganisiwe kusuka kwamanye amabhizinisi, uhlelo lokuya khona nokuzibophezela ukuhlala.
Ngakolunye uhlangothi, kusuka kuleli bhange kunjalo iqinisa umkhankaso wayo wempesheni ngokwethulwa kohlelo 'lwe-Bankia Protegido Renta Premium X', oluqinisekisa ekuvuthweni, ngoDisemba 2026, Ukuhlaziywa okuqoqiwe okungu-16,82%, emele i-2% APR. Lo mkhiqizo uhloselwe kuphela ukuheha iminikelo emisha nokugqugquzela kwangaphandle okuvela kubantu besithathu.
I-Bankia iyazivumelanisa nezidingo
Kumele kuqashelwe futhi ukuthi lo mkhiqizo ugcwalisa uhlu lwezinhlelo zempesheni ezimakethwa yibhizinisi, lapho kungatshalwa khona izimakethe ezinkulu zezezimali, ukuzivumelanisa nokulindelwe iklayenti ngokuya ngephrofayili yabo kanye nobungozi obukhona. cabanga. Ngale ndlela, Amakhasimende e-Bankia angenza iminikelo ku izinhlelo zesikhathi esifushane zokuthola imali, imali engenayo yesikhathi eside, imali engenayo ehlanganisiwe, imali engenayo exubile, imali engenayo eguquguqukayo, okuqinisekisiwe noma okufakiwe
I-Bankia ekukhipheni kwayo abezindaba izibophezele ekululekeni okwenziwe kwaba ngokwakho njengento ebalulekile yokufeza inhloso yokugcina ye-a inzuzo eyanele yomhlalaphansi. Iseluleko esibheka izici zeklayenti, ezinjengeminyaka yabo kanye nephrofayili yobungozi, futhi ezibuyekeza ngezikhathi ezithile imikhiqizo enconyiwe, ukuze inikeze ngaso sonke isikhathi uhlelo noma izinhlelo ezifanele kakhulu zephrofayili yazo njengomtshalizimali.
Uhlelo lwempesheni simulator
Ukuze usize bonke abafuna ukuhlela umhlalaphansi wabo, Bankia ubeka onamandla akho simulator enamandla ukuthola uhlelo oluhle kakhulu lwempesheni, kulokho okwenziwa njengethuluzi eliku-inthanethi umuntu onentshisekelo angakwenza ngalo abale intela yanyanga zonke ongayithola ngesikhathi sokuthatha kwakho umhlalaphansi kusuka enkokhelweni yanyanga zonke oyigcinele le njongo. Ungathola nokuthi kungakanani okufanele unikele ngakho ohlelweni lwakho lwempesheni ukuze uthole inani elithile lokonga ngesikhathi uthatha umhlalaphansi.
Ngokwengeziwe, ibhange lizokhuthaza iminikelo ezinhlelweni zempesheni ngezindlela ezihlukile amaphakheji wesipho kuya nge iminikelo eyenziwe kulezi zinsimbi. Ngokuya ngenani elinikelwe, umhlanganyeli wohlelo angakhetha phakathi kwezipho ezimbili: isipho somzimba noma sedijithali, esiqukethe ivawusha, yenani elithile, elingahlengwa ku-Amazon. Njengecebo elisha lokuhweba ukukhetha lo mkhiqizo okhetheke kakhulu weminyaka yegolide yamakhasimende.
Ngokukhiqizwa kwezipho
Ngale ndlela, ikhasimende lizokwazi ukukhetha phakathi kwezipho ngokususelwa kokukala okulandelayo:
- Ngeminikelo phakathi kuka-3.000 no-4.999, umhlanganyeli angakhetha ivawusha ye-Amazon yama-euro angama-25 noma i-opener wine opener. Ngeminikelo ephakathi kuka-5.000 7.999 no-45, ungakhetha phakathi kwevawusha engu-8.000 euro ongayisebenzisa ku-Amazon noma isipikha esiphathekayo sakwaSony. Ngeminikelo ephakathi kuka-15.999 no-100, ungakhetha phakathi kwesheke lama-euro angama-XNUMX okuthengwe ku-Amazon noma iwashi lezemidlalo.
- Futhi ekugcineni uku iminikelo evela kuma-euro ayi-16.000, ikhasimende lingakhetha phakathi kwesigqebhezana esilinganiselwa kuma-euro angama-250 ukusishintshanisa noma iyiphi indatshana kusuka ku-Amazon noma ku-Toshiba Smart TV. Lapho iklayenti uqobo lizokwazi ukwenza iminikelo noma ukugqugquzela kwabo ezinhlelweni zempesheni kusuka eziteshini zebhizinisi ledijithaliKungaba kusuka ku-Bankia On Line, noma usebenzisa uhlelo lokusebenza lwebhange. Ngaphezu kwalokho, kulezi zingxenyekazi zedijithali ungabheka izipho abangazikhetha ngokuya ngamanani anikelwe.
Imininingwane emayelana nemakethe yohlelo
Njengamanje, ngaphezu kuka-20% wokuthengiswa kohlelo lwempesheni kwenziwa ngeziteshi zedijithali, amaphuzu ayisikhombisa ngaphezu konyaka odlule. Ngaphandle kokuthi kunokuqapha okuthile ukubhalisela lolu hlobo lwemikhiqizo yezezimali ekhetheke kakhulu futhi ngasikhathi sinye edingekayo engxenyeni enkulu yomphakathi waseSpain. Ngokwengxenye, kubangelwe yimali ephansi oyethula njengamanje impesheni yomphakathi nenani layo elincane elima ngonyaka ozayo cishe ama-euro angama-650 ngenyanga. Kubandakanya ukuhlolwa okusha okwenziwe nguhulumeni wamanje waseSpain. Iqiniso lapho ingxenye enhle yabantu abahola impesheni yaseSpain bengaqapheli.
Ingabe kulula ukuqasha lo mkhiqizo?
Ngakolunye uhlangothi, kuyadingeka ukuthi uhlaziye kusuka kulezi zikhathi uma empeleni kufanele ubhalise kusukela kulo nyaka okhona. Ngoba empeleni, esinye sezizathu zokubhaliswa komkhiqizo walezi zici sihlala eqinisweni lokuthi ofaka isicelo unempesheni ephansi kakhulu ekhokhelayo nokuthi ayimvumeli ukuba abe nempilo efanele ngesikhathi sokujabulela iminyaka yakhe yegolide. Ngecebo lempesheni, unganyusa imali yakho engenayo ngokuya ngeminikelo oyenzile ngesikhathi sempilo yakho. Okusho ukuthi, ungayilungisa ngokwezidingo zakho zangempela futhi njengomphelelisi wempesheni oyitholayo.
Okwamanje, impesheni ephansi eSpain ingelinye eliphansi kunawo wonke e-European Union, lapho ubuncane budlula khona izinga le Ama-600 euros ngenyanga. Ngenkathi okungakhokhelwa kuchazwe kulo nyaka kuma-euro angama-386 ngenyanga. Lo mbono wezimali ophansi ukhiqiza ukuthi ingxenye enhle yabasebenzi kufanele ifune umphelelisi wayo. Futhi kuleli zinga lapho izinhlelo ezibizwa ngokuthi yimpesheni ezikhona ekunikezelweni kwamabhizinisi amakhulu ebhange zidlala indima efanelekile.
Izimpesheni ezincane ngo-2019
Ngibheke phambili kulo nyaka okhona, impesheni izolinganiswa ekuqaleni ngokuya ngesibikezelo sokwehla kwamandla emali (1,6%), ngesiqinisekiso esifanayo sokukhokhelwa kwesinxephezelo uma kwenzeka kuphambuka ukwehla kwamandla emali ekupheleni konyaka, njengoba kuzokwenzeka kulo nyaka. Njengomphumela walesi silinganiso, izimpesheni ezinikelayo zizosungulwa ngale ndlela elandelayo esizokwazisa ngayo kulolu lwazi.
Impesheni yomhlalaphansi yomnikazi oneminyaka engama-65 noma ngaphezulu
Ngokuziphatha nomlingani othembekile, ama-euro angama-810,60. Ngaphandle komlingani, ama-euro angama-656,90. Ngomlingani ongancikile ku-623,40 euro.
Impesheni yomhlalaphansi yomnikazi ongaphansi kweminyaka engama-65 yobudala
Ngokuziphatha nomlingani othembekile, ama-euro angama-759,90. Ngaphandle komlingani, ama-euro angama-614,50. Ngomlingani ongancikile ku-580,90 euro.
Impesheni yomhlalaphansi iminyaka engama-65 kusukela ekukhubazekeni okukhulu
Ngokuziphatha nomlingani othembekile, ama-euro angama-1.215,90. Ngaphandle komlingani, ama-euro angama-985,40. Ngomlingani ongancikile ku-935,1 euro.
Impesheni yokukhubazeka unomphela: ukukhubazeka okukhulu
Ngokuziphatha nomlingani othembekile, ama-euro angama-1.215,90. Ngaphandle komlingani, ama-euro angama-985,40. Ngomlingani ongancikile ku-935,10 euro.
Impesheni yokukhubazeka ngokuphelele
Ngokuziphatha nomlingani othembekile, ama-euro angama-810,60. Ngaphandle komlingani, ama-euro angama-656,90. Ngomlingani ongancikile ku-623,40 euro.
Izimpesheni ezinganikeli
Okunye okumele kubhekwe yilokho kwabantu abangakwazi ukuthola izimpesheni ezinikelayo. Ngokuyisisekelo ngokunganikeli ngeminyaka eyishumi nanhlanu kwiminikelo Yezokuphepha Komphakathi nokuthi banesinyathelo sokugcina sokufuna i impesheni enganikeli. Yebo, lolu sizo kubantu abaphakathi kweminyaka engama-65 nengama-67 luzokhokhwa, uma behlangabezana nazo zonke izidingo, ngokukhokha nyangazonke ama-euro angama-385.
Yize kulokhu bekungafanele babe nakho imali engenayo engaphezu kwama-euro angama-7.200 cishe unyaka. Uma kunanoma isiphi isimo, babenemali engenayo yonyaka engaphezu kokucatshangwayo, lolu sizo olusemthethweni luzohoxiswa lube semazingeni aphansi asungulwa cishe ngama-euro angama-110 ngenyanga. Uma kunjalo, esinye sezixazululo zokuba uthathe umhlalaphansi ohloniphekile kungaba ukuwunweba ngohlelo lwempesheni oluzinzile noma oluncane. Yize kunjalo, kuzodingeka kakhulu ukuyenza ibe semthethweni ngokubona kusengaphambili ukuze inani libaluleke impela.
Enye indlela yokulungisa lokhu kushoda kwemali kuzoncika ekuqashweni kwesikhwama sokutshala imali kumamodeli aso ahlukahlukene kakhulu. Kepha akunasimo abaqinisekisa inzuzo encane, kepha ngokuphambene nalokho kungakhipha ibhalansi engemihle njengoba kwenzekile ngonyaka esisanda kuvala ngawo. Ngokuncipha okukhulu emaphothifoliyo abo okutshalwa kwezimali. Futhi kuleli zinga lapho izinhlelo ezibizwa ngokuthi yimpesheni ezikhona ekunikezelweni kwamabhizinisi amakhulu ebhange zidlala indima efanelekile.