Imakethe yemalimboleko ekhombisa ukwehluka okuncane ngokuqala okusha, lapho imali ebanjwayo yemali mboleko engaguquki kuyiyona ethuthukisa ukusebenza okuhle ngalesi sikhathi. Ngenkathi kuphambene nalokho, okwenziwe ngezinga eliguqukayo kukhombisa ukwanda okwenzekayo kufayela le- Isilinganiso saseYurophu, i-Euribor. Kuze kube sezingeni lokuthi ikhuphuke ezikhundleni njengoba ishaye kakhulu isikhathi esingangezinyanga eziyishumi nambili ezedlule. Ngokukhula ekusakazekeni kwayo okukhuthaza izinkokhelo ezidinga kakhulu zenyanga kusukela manje.
Idatha yakamuva esemthethweni ikhombisa ukuthi kumalimboleko ekhokhelwa amapulazi esewonke, i- isilinganiso senzalo emaphakathi ekuqaleni kungu-2,61% (5,7% ngaphansi kunenyanga edlule) kanye nesikhathi esimaphakathi seminyaka engama-23, ngokusho kombiko wakamuva ovela kwiNational Institute of Statistics (INE). Lapho kutholakala futhi ukuthi u-64,0% wemali mboleko isezingeni lenzalo eguquguqukayo kanye no-36,0% ngesilinganiso esimisiwe. Izinga lenzalo emaphakathi ekuqaleni lingu-2,42% wemali mboleko yamanani eguquguqukayo (0,7% ephansi kunenyanga edlule) no-3,07% wemali mboleko yamanani amisiwe (14,1% ngaphezulu ngaphansi).
Njengomphumela walesi sikhathi sokuhlangana, amabhange alanda umkhuba omusha ophawula imakethe yemalimboleko yempahla eSpain. Ngokuhluka kwamanani wenzalo kulesigaba semikhiqizo, nalapho kubonakala khona ukuthi kusukela manje kuzoba nenzuzo enkulu khipha imali ebekiwe engabanjiswa esikhundleni sokuguquguquka. Ngokumangala ukuthi ngeke kube khona ukumangala kwanoma yiluphi uhlobo ukubhekana nenkokhelo yakho ngoba imali yenyanga izohlala ifana, ngaphandle kokwehluka. Noma yini eyenzekayo ezimakethe zezezimali ngakho-ke izonikeza ukuthula okukhulu kwengqondo kubafakizicelo balo mkhiqizo wezezimali.
I-Bankinter ihambisa ithebhu
Leli bhange lingenye yalezo ezihambise izikhundla kokunikezwayo elikunikeza amakhasimende alo. Ngalo mqondo, kusebenze ukuthi ukwehliswa kwentengo yemali mboleko engaguquki isikhathi seminyaka engama-20 kungokwesikhathi Amaphuzu angama-36 kuzinga lenzalo elisetshenzisiwe kuze kube manje. Ngenkathi ngokuphambene nalokho, ibhange ligcina amanani alo nezimo zawo kungashintshi esimweni esiguqukayo. Lesi senzo singadala ushintsho emikhubeni yabantu abazothenga ikhaya kusuka manje. Ngokuhluka ekusakazekeni kwalolu hlobo lwezezimali ngezinjongo zokuthengisa izindlu.
I-Bankinter iqala unyaka webhizinisi we-2019 ngokuncipha okukhulu kwezinga lenzalo yemali mboleko yayo engaguquki nakuzo isigaba esigxilisiwe sokuxubekile. Lokhu ukwehliswa okuthi, yize kufinyelela kuyo yonke imigomo, kubaluleke kakhulu kwizibambiso ezinesikhathi seminyaka engama-20, enye yezinto ezifunwa kakhulu ngamakhasimende, isilinganiso senzalo yawo esizoba ngu-1,99% kusukela manje kuye ngokuqhathaniswa no-2,35% wangaphambilini, okuthi imele ukwehliswa kwamaphuzu ayisisekelo angama-36.
Ngenzalo efinyelela ku-2,40%
Ngalo mnyakazo omusha, imali ebanjwayo yemali ebolekwa yiBankinter izoba kanjena: 1,65% esikhathini seminyaka eyi-10; 1,90% isikhathi esiyiminyaka eyi-15; 1,99% kungakapheli iminyaka engama-20; ngo-2,30% eminyakeni engama-25; futhi ngezinga lenzalo ka-2,40%, isikhathi esiyiminyaka engama-30. Ngokuqondene nezinga elixubekile, elenziwa isikhathi esilinganisiwe bese kuba nesilinganiso senzalo eguquguqukayo kuze kube sekupheleni kwethemu, manje sezizoma kuma-1,90% esikhathini seminyaka eyi-10; 2,20% iminyaka eyi-15; kanye no-2,30% wesikhathi seminyaka engama-20. Umehluko esilinganisweni esiguqukayo uzoqhubeka ube, kuze kube manje, u-0,89%.
Izintengo ezibalulwe ngenhla emalini ebanjwayo yemali ebanjisiwe yaleli bhange iyatholakala kumakhasimende ahlanganisa imali ebolekiswayo ne ukuthola isivumelwano sephakethe lomkhiqizo: ukuthola i-akhawunti ye-Payroll, i-Professional Account noma i-Non-Payroll Account (konke kukhokhelwa i-APR ka-5% ngonyaka wokuqala no-2% ngonyaka wesibili kuze kufike kuma-euro angama-5.000), ukuthola inkontileka yempilo ngo-100% inani lemalimboleko, umshwalense wasekhaya nohlelo lwempesheni noma i-EPSV neBankinter Seguros de Vida, enikela ngemali ephansi ngonyaka engama-euro angama-600 futhi igcina isebenza ngesikhathi sesikweletu.
Bagcina amakhomishini afanayo
Mayelana namakhomishini asetshenziswe kulezi zibambiso zihlala zinjalo ukuthi ibhange lisungule isikhathi eside ngale ndlela: ukuvula ikhomishini ye-1%, enesilinganiso sama-euro angama-500 kanye nesinxephezelo sokuhoxiswa kwe-amortization engaphelele, ephelele kanye / noma ye-subrogatory engu-0,5% eminyakeni emihlanu yokuqala yokuphila kanye no-0,25 % ngemuva kwalokho, ngaphezu kwenani lenzalo isinxephezelo sengozi esingu-0,75% esisetshenziswa kuphela esimweni lapho ukukhanselwa kokuqala kudalela ukulahlekelwa kwemali ebhizinisini.
Kodwa-ke, inkambiso ejwayelekile emkhakheni wamabhange ukuthi amakhomishini ahamba kukhula ezinyangeni ezizayo nangendlela eqhubekayo. Ikakhulu, imali ebanjiswa imali exhunywe kumanani enzalo ahlukahlukene. Ezingxenyeni ezimbalwa zephesenti zamanani akho wamanje noma okungenani ezinyangeni ezimbalwa ezedlule.
Imali ebolekwayo eguqukayo ngo-0,89%
Mayelana nemali mboleko yamanani eguquguqukayo, lesi sikhungo sezezimali siyaqhubeka nokugcina intengo nemibandela efanayo kusukela ekuqaleni kuka-Okthoba ngonyaka odlule: isilinganiso senzalo esilinganiselwe kulungiswe ngonyaka wokuqala ka-1,50%, futhi kusukela ngalolo suku: Euribor + 0,89%. Ngakolunye uhlangothi, imali mboleko yemali eguquguqukayo nengaguquki ingabanjiswa ngaphansi kwendlela "yokungabambisi ngaphezulu kwempahla" efaka, ngenkontileka futhi ngaphandle kwezindleko ezengeziwe, isikhathi sokukhokha.
Lokhu kuchaza ukuthi esimweni lapho kungakhokhwa isikweletu, ophethe imali mboleko uzophendula kuphela futhi ngokukhethekile ngempahla ethathwe njengesibambiso, okuthi uma kunjalo kube yindlu ebolekiswe yona uqobo. Abantu abahlala eSpain nge imali engenayo yenyanga engaphezu kwama-euro angama-2.000, futhi lapho imali ifinyelela khona ukuthenga indawo yokuhlala ejwayelekile. Kulokho okwenziwe njengenye yamafomethi amasha aqala ukwenziwa nonyaka omusha. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe okwenzeka kumkhiqizo webhange ofunwa kakhulu ngabasebenzisi baseSpain.
Amanani aphezulu kakhulu asekhaya
Ngokusho kohlelo lwesikhombisa lwe-ING Home and Mortgage Survey "Ingabe Amanani Endlu Aphezulu Kakhulu?", Ama-63% aseYurophu akholelwa ukuthi amanani ezindlu azoqhubeka nokukhuphuka ezinyangeni eziyi-12 ezizayo. Ngaphezu kwalokho, ngaphezu kwengxenye yesithathu yalabo okwaxoxwa nabo abakholelwa ukuthi bangaba ngabaninikhaya. Lo mbiko ukhombisa ukuthi ngokujwayelekile, amanani ezindlu axhumene futhi athonywa ngu izimo zemakethe zendawo. Kodwa-ke, izakhamizi eziningi zase-Europe, kungakhathalekile izwe, zicabanga ukuthi amanani ezindlu lapho ahlala khona aphezulu kakhulu.
Ama-57% akholelwa lokho izindlu ziyabiza, futhi ikota (21% esimweni saseSpain) banenkinga yokukhokha imali yabo yerenti noma yokubambisa ngenyanga. Ezingeni laseYurophu, abaqashi banamathuba amaningi kunabanikazi bezindlu ukuchaza ukuthi izindlu ezweni labo zibiza (62% vs 55%) noma zingenabulungisa (32% vs 22%).
Shintsha kuthrendi yesilinganiso senzalo
Kule minyaka eyishumi edlule, amanani entela abesezingeni eliphansi, okusizile ukukhuphula amanani entengo emakhaya ngenkathi kwenza kube nzima ngabaninikhaya abasha ukungena. Ngalo mqondo, ama-72% abantu baseYurophu okwaxoxwa nabo, ama-80% esimweni saseSpain, bakholelwa lokho kunzima ukuthola ikhaya okokuqala ngqa abathengi. Iningi (i-65% ngokwesilinganiso eYurophu ngokuqhathaniswa nama-68% eSpain) iveza ukuthi lesi simo sesibe sibi kakhulu kusukela ngo-2015.
Lapho okukukhulu kunakho konke ukufinyelela kwimalimboleko yempahla ebambelela amanani aphezulu ahlala eSpain. Ngaphandle kwemingcele esetshenziswe amabhange, kanye ne amakhomishini nezinye izindleko kubaphathi ezithwala lezi zidingo eziyisisekelo phakathi kwemindeni yaseSpain.
Yize kunjalo kubonakala sengathi imali ebolekwayo yamanani eguqukayo ngeke akhombise umehluko weminyaka edlule. Ngenxa yoshintsho kuthrendi olwenzeke kubhentshimakhi yaseYurophu. Okuxhunyaniswe ngaphezu kwemali engama-90% yemali ebolekwayo yamanani eguquguqukayo, ngokusho kwedatha enikezwe yiNational Institute of Statistics (INE). Akumangalisi ukuthi abasebenzisi sebevele bebona ukwanda kwemali yabo yanyanga zonke emaphaketheni abo ezinyangeni ezedlule.
Ngokusho kohlelo lwesikhombisa lwe-ING Home and Mortgage Survey "Ingabe Amanani Endlu Aphezulu Kakhulu?", Ama-63% aseYurophu akholelwa ukuthi amanani ezindlu azoqhubeka nokukhuphuka ezinyangeni eziyi-12 ezizayo. Ngaphezu kwalokho, ngaphezu kwengxenye yesithathu yalabo okwaxoxwa nabo abakholelwa ukuthi bangaba ngabaninikhaya. Lo mbiko ukhombisa ukuthi ngokujwayelekile, amanani ezindlu axhumene futhi athonywa ngu izimo zemakethe zendawo. Kodwa-ke, izakhamizi eziningi zase-Europe, kungakhathalekile izwe, zicabanga ukuthi amanani ezindlu lapho ahlala khona aphezulu kakhulu.