Uma inhloso yakho ezinyangeni ezizayo ukuthenga indawo, kungakuhle kuwe ukuthi ufunde le ndatshana. Ngoba i-Euribor iyinkomba yokulinganisa yaseYurophu lapho iningi lale misebenzi ixhunywe khona. Emisebenzini eya ku- isilinganiso esiguqukayo okuyinto iningi ngabasebenzisi baseSpain. Ngalo mqondo, ama-60,6% wemali mboleko yasekhaya yenziwe ngezinga eliguqukayo kanye no-39,4% ngesilinganiso esinqunyiwe, ngokusho kwedatha enikezwe yiNational Institute of Statistics (INE). Lapho isilinganiso semali ebolekiwe esilinganiselwe sithola ukwanda kwama-30,7 kwizinga lonyaka maqondana nesilinganiso sangaphambilini.
Ngakolunye uhlangothi, futhi ngokusho kwale mithombo efanayo, ngaphezu kwe-90% yemalimboleko yempahla ebhekiswe ku-Euribor eminyakeni yamuva nje, ngokusho kwemibiko eyenziwe eNational Institute of Statistics. Lesi yisici esichaza ngokuphelele ukubaluleka kwalokhu kulinganiswa kwezwekazi elidala. Ngaphezu kokunye okusobala ukuthi kuyingcosana phakathi kokuthandwa ngabasebenzisi bakazwelonke. Cishe iningi lezinkontileka zezinga eliguqukayo lenziwe ngokusemthethweni ngale nkomba ebalulekile.
Esinye sezizathu ezichaza le mpumelelo phakathi kwabafakizicelo bendlu kungenxa yesikhathi esihle nesikhethekile ezimakethe zezimali esidlula kuzo. Kusukela okokuqala emashumini amaningi eminyaka, i-Euribor isendaweni engeyinhle. Lokhu empeleni kusho ukuthi kuzodingeka ukhokhe imali eningi kwizitolimende zakho zenyanga ukuthola isivumelwano semalimboleko yempahla ebanjiswayo. Ngokulondolozwa kwezinkulungwane eziningi zama-euro maqondana nezinye izimo ezimakethe zezindlu futhi kunjalo maqondana nemali mboleko ebhaliselwe imali engenayo engaguquki, yize lezi zihlala zinesikhundla esifanayo minyaka yonke. Noma yini eyenzekayo ezimakethe zezimali kusukela manje kuqhubeke.
I-Euribor, ukhokha kanjani imali ebanjwayo?
Esinye sezici ezifanele kakhulu ze-Euribor ekubanjweni kwemali yempahla ukuthi iyithinta kanjani imali okufanele ubhekane nayo yokuthola lelo flethi olithande kakhulu. Yebo, amabhange faka ukusabalala phezu kwale nkomba yokuma. Futhi lokho kumongo wamanje wamazwe kuyathandeka kakhulu ezithakazelweni zakho njengomsebenzisi webhange. Ngale ndlela, akufanele ukhohlwe ukuthi ngalesi sikhathi kuhle kakhulu ukuthi izintshisekelo zakho zibe nemalimboleko yempahla ehlanganiswe nalesi silinganiso. Ngoba njengamanje uzokhokha imali encane kuneminyaka embalwa edlule.
Ngakolunye uhlangothi, ingxenye enhle yemali mboleko ekhangiswa ngamabhange ingaphansi kwalesi simo kwinkontileka yabo. Ngakho-ke kuyaqabukela ukuthi uthole amanye amabhentshi ngaphandle kwe-Euribor. Kuze kube seqophelweni lokuthi azimele ngaphezu kwezi-8% zezinkontileka ezintsha futhi ezimweni eziningi ngaphansi kwezimo ekwenziweni kwayo okuhle kakhulu kuwe. Phakathi kwezinye izizathu ngoba ngeke ube nenye indlela ngaphandle kokuthatha izindleko eziphakeme kusukela ekuqaleni. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe okuhlobene nokwakheka kwalo mkhiqizo obalulekile webhange.
I-Euribor kumlando ophansi
Kunoma ikuphi, kunento eyodwa okufanele ucace ngayo kusukela manje kuye phambili nokuthi iyiphi inkomba edlula ezinsukwini zayo ezihamba phambili. Okungukuthi, kunjalo ngasikhathi sonke noma yini efanayo ezingeni layo eliphansi eminyakeni yamuva. Ukuthi iphuzu lokuvela kwalo liholele ekutheni lizibeke endaweni engeyinhle ngokokuqala ngqa emlandweni walo. Ngoba empeleni, inkomba yokuma kwe-European, i-Euribor, okwamanje itholakala ku- -0,18, ngemuva konyaka we-2015, ngokwesibonelo, yayitholakala kumazinga amahle, ku-0,267. Ngomehluko omkhulu phakathi kwale minyaka emithathu nokwaholela ekugcineni ukuthi ukhokha imali encane yokwenza isivumelwano sempahla yakho.
Vele, lesi yisimo esizuzisa kakhulu kuwe ukukhipha isikweletu sendlu kusukela manje kuqhubeke. Akumangalisi ukuthi ukusabalala okusetshenziswe ngamabhange amaningi kwehliswe kwaba ngamazinga angacabangeki kuze kube yiminyaka embalwa edlule. Lokhu kusebenza kusho ukuthi ungabona ukusabalala namuhla. ngaphansi kwe-1%. Kepha akuyona kuphela inzuzo ongayithola ngokubhalisela komunye wale mikhiqizo yasebhange. Njengoba ingxenye enhle yemalimboleko yempahla ebanjiswayo ithengiswa yenziwa ngaphandle kwamakhomishini noma ezinye izindleko ekuphathweni noma ekugcineni. Njengomphumela wokuvela kwale nkomba yesithenjwa ezwenikazi elidala.
Isimo esingahlali unomphela
Ngokuphambene nalokho, kufanele ukhumbule ukuthi yize kuyisikhathi esihle kakhulu sokuzibambisa ngempahla, lesi simo ngeke sibe kude naphakade. Uma kungenjalo, kunalokho, ungajika nganoma yisiphi isikhathi futhi kuzoqala ukukhuphuka nokuthi izinkokhelo zakho zanyanga zonke zizokhuphuka kanjani. Ngqo ngesikhathi lapho i-European Central Bank (ECB) ithatha isinqumo sokukhuphula inzalo. Isenzo, ngakolunye uhlangothi, ahlela ukusenza onyakeni olandelayo, noma kungenjalo ngodlame, kepha kancane kancane. Lokhu kuzosho ukuthi i-Euribor izoqala ukukhuphuka futhi izothinta izindleko okufanele ubhekane nazo zokunikezwa kwemali mboleko yempahla yokuthenga leyo flethi obukade uyithanda.
Lokhu ngumehluko omkhulu kakhulu kusuka emalini ebanjwayo yemali ebekiwe. Kuphi njalo uzokhokha imali efanayo yenyanga, noma yini eyenzekayo ezimakethe zezimali. Ngokuthula kwengqondo ozokwazi ukuhlela ibhajethi yakho yangasese noma yomndeni kangcono kakhulu eminyakeni ezayo. Noma kunenzuzo yokuthi kuzothuthukisa kakhulu izindleko zempilo, kuya ngakho konke okungenzeka kuwe eminyakeni embalwa ezayo. Isibonelo, uma ungasebenzi, umholo wakho wehliselwa emsebenzini, noma uyisisulu sengozi njengomuntu ozisebenzelayo. Yilapho izinzuzo ezinkulu kakhulu zinikezwa khona ngemali ebolekwayo exhunywe kusilinganiso esimisiwe ngaphezu kokuguqukayo.
Izinzuzo zemali ebolekwayo eguquguqukayo
Kunoma ikuphi, awunakuzikhethela ngaphandle kokukala zonke izinzuzo ongazitholela zona imali mboleko yamanani eguqukayo, ngenxa yobudlelwano bayo obukhethekile nenkomba yokuma yaseYurophu. Yebo, kulesi simo esivamile, iminikelo yehlukile futhi inemvelo ehlukile, njengoba uzobona kusukela manje kuqhubeke. Okokuqala, ungakhohlwa ukuthi ushintsho entengo yemali lungamela i imali ephansi kumongo wezomnotho onenzalo ephansi. Ngokwalokhu kubuka, kungukusebenza okuhle kakhulu kwezintshisekelo zakho njengomsebenzisi oyikho ngempela.
Ngakolunye uhlangothi, kungenzeka futhi ukuthi usesimweni sokunweba ukukhokhwa kwemali mboleko kuze kube yiminyaka engama-35 noma engama-40 njengesikhathi esiphezulu. Okuthile ekugcineni okuzoba lusizo olukhulu inqobo nje uma ukuvela kwe-Euribor bekufana njengoba kukhombisile kuze kube manje. Kodwa-ke, ngokuqiniseka konke ukuthi lokhu kungenzeka ngale ndlela. Akunjalo neze ngoba akufanele ukhohlwe ukuthi le nkomba ekhetheke kakhulu ibhalwe nsuku zonke ezimakethe zezimali. Futhi-ke intengo yayo ayihlali ifana njalo. Kwezinye izimo kube ngcono, kepha kwezinye kube nomphumela omubi ngokusobala. Ukufika lapho kuyisici okufanele usilindele lapho ucela umthombo wezimali wokuthenga ifulethi noma ifulethi.
Imvamisa kuba yimali mboleko engabizi kakhulu
Esinye isici okufanele sibe yinto oyinaka ngokukhethekile yileyo ebhekiswe emazingeni amanje lapho i-Euribor ikuyo, imali ebolekwayo yezinga eliguqukayo bayoba nezintshisekelo eziphansi maqondana nalabo abanesimo esimisiwe. Ukufika ezingeni lokuthi ungonga imali eningi ngezinkokhelo zakho zanyanga zonke futhi nangayiphi indlela engaphezu kwalokho ongakucabanga kusukela kulo mzuzu kuqhubeke. Ngakolunye uhlangothi, kuthonywa nokuthi izimali mboleko ezingaphansi kokuhlukahluka kwe-Euribor azinayo ikhomishini engcupheni yamazinga wenzalo. Okuthi, ngakolunye uhlangothi, kuvame ukwenzeka kithina kumalimboleko wempahla engaguquki.
Uma lo mthombo wezezimali ovame kakhulu ekufunweni komsebenzisi ubonakala ngokuthile, kungenxa yokuthi kuthengiswa kakhulu ngamabhange. Vele, ngeke ube nenkinga encane ukuthola umkhiqizo onalezi zici. Ngisho kusuka kumafomethi ahlukile, ezinye zazo zinobuhlakani obukhulu ngenxa yobugagu obukhulu obulethwa yile makethe njengamanje.
Kufike ezingeni lokuthi ungakuhlanganisa nemali mboleko yenzalo engaguquki lapho kwenziwa ngayo njengamamodeli aphakathi noma axubekile. Ngokuya ngephrofayili oyivezayo njengekhasimende lasebhange, okungukuthi, ngemuva kwakho konke, yini ehilelekile ekufunweni kwalezi zinhlobo zemikhiqizo yasebhange. Yize yonke into izoncika ekutheni intengo yemali iguquka kanjani kusuka manje. Lapho konke kubonakala kungaphansi kwesimo esenyukayo futhi esingaphazamisa izinhlelo okufanele ugxile kwimalimboleko yempahla ebanjiswayo.