Amakhasimende eBanco Santander angathola ibhonasi ye kuze kufinyelele kwikhulu lamaphuzu esisekelo esilinganisweni senzalo yonyaka kuya ngemikhiqizo nezinsizakalo zezezimali abazithenga unyaka ngamunye. Phakathi kwamabhonasi angaba khona, ukuncishiswa kufakiwe uma indlu exhaswayo inesilinganiso samandla esimeme. ISantander yethula emakethe imodyuli entsha yebhonasi eguquguqukayo yobubanzi bemali ebolekwayo (engaguquki, eguquguqukayo, engeyona eyabahlali) evumela ikhasimende ukuthi lisizakale, kuyo yonke impilo yemalimboleko, kusuka kwizaphulelo zamanani wenzalo kuye ngemikhiqizo noma izinsiza zakho khetha ukuqasha.
Ngalo mnikelo ovuselelwe, iklayenti minyaka yonke linganquma ukuthi yimiphi imikhiqizo elizoyenza nenkontileka nebhizinisi bese liyiguqula ngendlela efanelekile, ngokuya ngomjikelezo wabo wempilo kanye nokuhlelwa kwezimali. Ngale ndlela, iklayenti lingaba nobubanzi bempahla ngaphandle kokubanomkhiqizo ohambisanayo, kepha lizozuza kumabhonasi afinyelela kumaphuzu ayi-100 esilinganisweni senzalo esisebenzayo (ukunikezwa kwamanje nengxenye yamabhonasi asetshenzisiwe kusuka ku-Euribor + 0,99% ngezinga eliguqukayo kanye no-1,90% TIN ngesilinganiso esinqunyiwe) ukuhlangabezana nezimo eziphezulu zebhonasi ngokwethebula elihlanganisiwe.
Kusukela ekuqaleni konyaka, ibhizinisi lithatha zonke izindleko ezibandakanya itayitela lobambiso: the imali yokubhalisa neye-notary, inothi elilula, ukuhlolwa (lapho kucelwa yibhizinisi), izimali zokuphatha kanye nentela yezenzo zomthetho ezibhalwe phansi (IAJD). Emizuzwini embalwa, lapho izikhungo zezezimali zikhethe ukuthi amakhomishini nezinye izindleko ekuphathweni nasekugcinweni kwazo ziwele kubafakizicelo balo mkhiqizo ekuthengeni ikhaya.
Ukunikezwa kwemizi esimeme
Uma, ngokungeziwe, ikhaya elibanjiswe imali linayo isilinganiso samandla A noma A + noma kubhekwe njengezindlu ezihlala njalo, ngokwezitifiketi ezifanele ezikhishwe izinkampani ezaziwayo emkhakheni, bazoba nebhonasi yamaphoyinti ayisisekelo ayi-10 ezingeni lesisekelo semali mboleko. Ibhizinisi ngaleyo ndlela ligcizelela ukuzibophezela kwalo ekuvuseleleni ukonga amandla kagesi futhi livumelanise imikhiqizo yalo yezezimali nokuzibophezela okutholwe njengebhange elinomthwalo wemfanelo, elibheka izici zenhlalo nezemvelo lapho lithatha izinqumo zezimali.
Lokhu kuyinto eseyintsha kulabo abafaka izicelo zalesi sigaba somkhiqizo ngoba kunomphumela owandayo ekulinganisweni kwamandla ngesikhathi sokuthola imali mboleko yempahla ebanjiswayo. Ngenzuzo eyinqaba ngaphezulu kwamamodeli wezezimali olondolozayo noma ajwayelekile Lapho iklayenti lingathola khona uhlobo oluthile lwezinzuzo ezenzeka kwezinye imali ebiza kakhulu yenyanga kuzintshisakalo zakho ngokulondolozwa kwezingxenye ezimbalwa zephesenti maqondana nezinga lakho lokuqala. Ukuze ngale ndlela, bakwazi ukonga ama-euro ambalwa kukho konke ukusebenza okusayiniwe.
Izimbambiso zikhula ngo-0,7%
Isibalo semali mboleko eyenziwe emakhaya singama-29.032, u-0,1% ngaphansi kuka-Ephreli 2018. Isilinganiso esilinganisiwe ngama-euro ayi-124.655, ngokunyuka okungu-0,7%, ngokusho kwedatha yakamuva enikezwe yiNational Institute of Statistics (INE). Lapho kukhonjiswa khona ukuthi isilinganiso semali ebolekiwe ebhaliswe kumarejista ezindlu ngo-Ephreli (kusuka kuzenzo zomphakathi ezenziwa phambilini) ingama-euro ayi-142.440, i-1,8% ephakeme kunaleyo nyanga ka-2018. Ngakolunye uhlangothi, inani kwezezimalimboleko ezibanjiswe ezindaweni ezisemadolobheni zifinyelele kuma-euro ayizigidi ezingama-5.325,6, okungu-2,6% ngaphansi kuka-Ephreli 2018. Ezezindlu, imali ekhokhelwe imali enkulu ibifinyelele ezigidini ezingama-3.619,0, inyuka minyaka yonke ngo-0,6%.
Ngenkathi ngakolunye uhlangothi, imininingwane enikezwe yiNational Institute of Statistics iphakamisa ukuthi kumalimboleko ekhokhelwa yonke impahla ngo-Ephreli, isilinganiso senzalo esimaphakathi ekuqaleni singama-2,51% (5,1% aphansi kusukela ngo-Ephreli 2018) futhi isikhathi esimaphakathi seminyaka engama-23. Ama-58,7% wemali mboleko isezingeni lenzalo eguquguqukayo kanye no-41,3% ngesilinganiso esimisiwe. Izinga lenzalo emaphakathi ekuqaleni lingu-2,23% wemali mboleko yamanani eguqukayo (6,4% ngaphansi kunango-Ephreli 2018) kanye no-3,07% wemali mboleko yamanani amisiwe (4,8% ngaphezulu ngaphansi).
Imali mboleko enezinguquko ebhukwini?
Ezimalini zokuboleka imali yasekhaya, isilinganiso senzalo esimaphakathi ngu-2,59% (2,9% ngaphansi kunango-Ephreli 2018) kanti isikhathi esimaphakathi yiminyaka engama-24. Ama-56,8% wemali mboleko yasekhaya isezingeni eliguqukayo kanye nama-43,2% ngesilinganiso esimisiwe. Izimalimboleko ezi-Fixed rate zithole ukwanda kwezinga lonyaka lika-6,7%. Izinga lenzalo emaphakathi ekuqaleni lingu-2,30% wemali mboleko emakhaya entengo entantayo (eyehle ngo-5,1%) futhi I-3,09% yesilinganiso esinqunyiwe (1,8% ngaphansi).
Inani eliphelele lemali mboleko enezinguquko ezimweni zayo ezibhaliswe kumarejista ezindlu ingu-4.814, 20,9% ngaphansi kuka-Ephreli 2018. Ngokuya ngohlobo lwezinguquko ezimweni, ngo-Ephreli Izinguquko ezingama-3.932 zenzeka (noma ukulungiswa okwenziwe ngenhlangano efanayo yezezimali), ngokuncipha konyaka kwe-19,3%. Ngakolunye uhlangothi, inani lezinto ezishintsha ibhizinisi (ama-subrogations kumuntu obolekayo) lehle ngo-27,8% kanye nenani lemali ebolekwayo lapho umnikazi wempahla ebolekiswe imali eshintshiwe (ama-subrogations kulowo okweletayo) lehle ngo-25,3%.
Umkhuba ezimakethe zikazwelonke
Mayelana nemiphumela yemiphakathi ezimele, imininingwane enikezwe yiNational Institute of Statistics ikhombisa ukuthi imiphakathi enenani eliphakeme kakhulu lemali mboleko eyenziwe emakhaya ngo-Ephreli I-Andalusia (6.065), uMphakathi waseMadrid (5.380) neCatalonia (4.636). Imiphakathi lapho inhlokodolobha enkulu ibolekwa khona kumthethosisekelo wokubolekwa kwemali emakhaya yiComunidad de Madrid (963,0 million euros), Andalusia (676,2 million) neCatalonia (657,0 million).
Ngenkathi ngakolunye uhlangothi, imiphakathi ethula i- amazinga aphezulu wokuhluka konyaka Enhlokodolobha yemalimboleko yiComunidad Foral de Navarra (59,4%), i-Andalucía (26,8%) ne-Aragón (26,0%). Kokunye ukuhleleka kwezinto, kufanele kugcizelelwe ukuthi imiphakathi enamanani aphezulu wonyaka enanini lemalimboleko emakhaya yiComunidad Foral de Navarra (47,4%), i-Andalucía (16,7%) neLa Rioja (15,1, 25,8%). Ngokwengxenye yabo, iMiphakathi Ezimele enamazinga okuhlukahluka amabi kakhulu ngonyaka kwakunguRegio de Murcia (-22,4%), i-Illes Balears (-10,3%) neComunidad de Madrid (-XNUMX%).
Izinga lenzalo emaphakathi
Ezimalini zokuboleka imali yasekhaya, isilinganiso senzalo esimaphakathi ngu-2,59% (2,9% ngaphansi kunango-Ephreli 2018) kanti isikhathi esimaphakathi yiminyaka engama-24. Ama-56,8% wemali mboleko yasekhaya isezingeni eliguqukayo kanye nama-43,2% ngesilinganiso esimisiwe. Imali mboleko yesilinganiso esinqunyiwe uhlangabezana nokukhuphuka kwama-6,7% kwizinga lonyaka. Isilinganiso senzalo emaphakathi ekuqaleni singu-2,30% wemali mboleko emakhaya enamanani entanta (ngehle ngo-5,1%) no-3,09% wemali mboleko yamanani angaguquki (1,8% aphansi) ngokuya ngemininingwane enikezwe yiNational Institute of Statistics lesi sikhathi.
Kunoma ikuphi, kunokuncipha okuqhubekayo kwenkomba yebhentshimakhi enkulu yemali mboleko yaseYurophu, i- I-Euribor, okubangela ukwanda okuncane ekukhokhweni kwenyanga kwemali mboleko yempahla. Kusukela onyakeni owedlule kwakusezingeni eliphansi ngokomlando futhi lokho kwaholela ekutheni intshisekelo yokuthola lo mkhiqizo wasebhange ibe ngaphansi kunakuqala. Ngisho nokusabalala okungaphansi kwe-1% phakathi kokunikezwa okuningi okwenziwe amabhange. Ezimweni eziningi, ngokukhululwa kwamakhomishini nezinye izindleko ekuphathweni noma ekugcineni kwawo.
Ukonga okwengeziwe kwemali-mboleko ekhokhelwe
Enye yezindlela zokonga imali ekwenzeni ngokusemthethweni lo mkhiqizo wasebhange ihlala eqinisweni lokuthi ukhetha izinhlobo ezinikwa uxhaso. Ngamanye amagama, njengoba imikhiqizo eminingi inenkontileka nebhizinisi, iba ngcono inzalo engatholwa ekusebenzeni. Ngokuthola izinkontileka zemikhiqizo enjengezimali zokutshala imali, umshwalense, amasu wokonga noma imali yesikhathi esimisiwe. Ngokunciphisa amanani wenzalo angakwazi ziyehluka phakathi kuka-0,10% no-1,50% ezimweni ezinhle kakhulu. Kukhona nokuhlinzekwa kwamakhasimende amasha avumela ukutholwa kwemali mboleko enamanani wenzalo anokuncintisana.
Ngenkathi ngakolunye uhlangothi, kubalulekile futhi ukuqaphela ukuthi imakethe yemalimboleko yamanje ivame ukukhulisa amanani amisiwe ukuze kulimaze amanani aguqukayo. Njengoba kunikezwe ukukhuphuka okubonakalayo kwamanani endaweni ye-euro. Ukuze ngale ndlela kungabi khona isimanga ngesikhathi sesivumelwano. Ngoba njalo ngenyanga uzohlala ukhokha okufanayo, noma ngabe kwenzekani ezimakethe zezezimali. Ukunikeza ukuzinza okukhulu kubantu abakhetha lolu hlobo lwezezimali lapho bethenga ikhaya labo.
Enye yezindlela zokonga imali ekwenzeni ngokusemthethweni lo mkhiqizo wasebhange ihlala eqinisweni lokuthi ukhetha izinhlobo ezinikwa uxhaso. Ngamanye amagama, njengoba imikhiqizo eminingi inenkontileka nebhizinisi, iba ngcono inzalo engatholwa ekusebenzeni. Ngokuthola izinkontileka zemikhiqizo enjengezimali zokutshala imali, umshwalense, amasu wokonga noma imali yesikhathi esimisiwe. Ngokunciphisa amanani wenzalo angakwazi ziyehluka phakathi kuka-0,10% no-1,50% ezimweni ezinhle kakhulu. Kukhona nokuhlinzekwa kwamakhasimende amasha avumela ukutholwa kwemali mboleko ngamanani wenzalo anokuncintisana. Ezimweni eziningi, ngokukhululwa kwamakhomishini