Ukunikezwa kwemali ebolekisiwe kuqiniswe yizinhlangano eziphethe ukumaketha le mikhiqizo ukuze kuthengwe ikhaya, ngemuva kwezinkinga zohlelo lwebhange laseSpain. Futhi uma sekuvele kunzima ukuthola imali ebanjiswayo, okuningi kakhulu uma abafakizicelo bengama-mileuristas. Uma lokhu kuyicala lakho elithile, uzoba nomsebenzi onzima ukwenza isicelo samukelwe, ngoba uzokhawulelwa kakhulu ngumholo wakho ophansi. Ngaphandle kokuthi uyijoyine nomholo womlingani wakho njengesisombululo sokukuvumela wenze lo msebenzi ngokusemthethweni.
Kepha kusukela ekuqaleni, umbuzo omkhulu lapho abasebenzi abahola cishe ama-euro ayi-1.000 XNUMX ngenyanga bezibuza ukuthi bazokwazi yini ukuthola omunye wale mikhiqizo yasebhange. Njengomphumela wokwehliswa kwamaholo - okususelwa enkingeni yezomnotho iSpain edlulile kuyo- amanye amabhange anqume ukwehlisa inani eliphansi lamaholo amaklayenti abo. Eminyakeni ethile edlule bebeyidinga ngenani elizungeze ama-euro angama-3.500 ukuze inikezwe imali mboleko. Njengamanje, zingatholakala ngama-euro angama-2.000.
Kepha okubaluleke kakhulu ukuthi ezinye izinhlangano zamabhange - yize zineziphakamiso ezithile futhi ziyindlala - zilungiselele uchungechunge lwamakhredithi ama-mileuristas angawenza ngokusemthethweni umsebenzi. Ngeke ukwazi ukuthola okuningi, kuyiqiniso, kepha okungenani banamathuba wokunikezwa kwempahla ebanjiswayo. Ngale ndlela, finyelela emakethe yezezakhiwo ngeziqinisekiso ezigcwele.
Izici zalezi zibambiso
Kodwa-ke, le mikhiqizo ifaka phakathi uchungechunge lwezici okufanele uzicabangele uma kwenzeka uzoqasha noma iyiphi yazo ezinyangeni ezizayo. Njengesiqalo, amanani aphezulu amabhange akunikeza wona awaphane ngezimalimboleko ezijwayelekile. Ngisho Ungafinyelela kuphela ukukhokhela kuze kufike ku-80% wokusebenza.
Yize leli su lokuhweba lisetshenziswa yiwo wonke amabhange kunoma imiphi imikhiqizo yawo yezimali, futhi njengomphumela wesincomo seBhange laseSpain lokwehlisa inani lokugcina lesimangalo. Omunye wemiphumela ozoyibona phambilini ukuthi ngaphansi kwezimo ezithile ngeke ube sesimweni sokuxhasa wonke umsebenzi.
Esinye isici okufanele usicabangele ukuthi imigomo yokukhokha izokwenyuswa kakhulu ukuyivumelanisa nomholo wakho. Ngakho-ke, uzokhokha izinkokhelo eziphansi zenyanga, kepha isikhathi eside. Yiso kuphela isisombululo esivunyelwe ukuzivumelanisa nomholo ophansi kangako. Futhi-ke kungathakazelisa impela uma ubheka imodeli yezimali ezokhipha izindleko ezingenzeka kakhulu, futhi uma ngabe zenziwe ngaphandle kwamakhomishini (ukuvula, ukutadisha, ukwesulwa kokuqala, njll.), Noma ezinye izindleko ekuphathweni kwayo, kahle , kungcono izintshisekelo zakho siqu.
Yiziphi izikweletu ezibanjelwe ama-mileuristas?
Umsebenzi wakho wokuthola imali ebolekiswayo egcina le migqa yezentengiselwano kuzoba nzima kakhulu ukuyisebenzisa, kepha uma uhlaziya ngokucophelela lokho okunikezwa amabhange okwamanje, uzofika esiphethweni sokuthi kukhona ithemba ukuze ukwazi ukukuthenga lokho Ifulethi obulithanda kakhulu ngolunye usuku, kodwa ubungaqiniseki ukuthi ungakwenza yini ukuthengiselana ngemali.
Kuyiqiniso ukuthi akukho okuningi ongakhetha kukho, kepha okungenani uzoba nethuba lokuxhasa ngemali ukutholwa kwempahla oyikhethile. Esinye salezi ziphakamiso sivela ku-ING Direct, emaketha i-Orange Mortgage, yona eyamakhasimende akhokhelwa kancane, noma okungenani bagcina ibhalansi ephansi ku-akhawunti yabo yokuhlola engaba ngu-2.000 XNUMX euros. Uma uhlangabezana nalezi zidingo ezincane, uzothola enye yemalimboleko yokuthenga ngempahla emncintiswaneni omkhulu emakethe.
Ixhunyaniswe ne-benchmark yase-Europe, eyaziwa kangcono njenge-Euribor, kusuka ku-0,99%, kanye nezinga eliguqukayo - ngemuva kokwehliswa ezinyangeni zamuva - ze-1,88%. Kunoma ikuphi, kungenye yemali mboleko evumayo ukusayina lo msebenzi. Futhi lokho kusho ukuthi ikhululiwe kunoma yiluphi uhlobo lwamakhomishini, ngaphandle kwesigatshana saphansi, futhi ekugcineni ayinayo inzalo ephakeme ngonyaka wokuqala. Ziyizimpawu zalo eziyinhloko.
Kodwa akuyona inketho kuphela ongayisebenzisa kusukela ekuqaleni konyaka ka-2016. ILa Caixa ikunikeza elinye ithuba, ukuze ngomholo wakho ukwazi ukwenza umsebenzi wokuthengiswa kwezindlu, uma lokhu kuyisifiso sakho esiphuthumayo. Kulokhu, ngokusebenzisa i-Bonus Mortgage, engabhaliswa ngamakhasimende ngemali encane engenayo engama-euro angama-600.
Izinga lenzalo lixhunyaniswe ne-Euribor + 1,90%. Kepha kungehliswa uma unenkontileka neminye imikhiqizo nebhizinisi (umshwalense, izinhlelo zempesheni, izinhlelo zokonga, izimali zokutshala imali ...), kuze kube kufinyelela amamajini angacatshangelwa ibhalansi ye-akhawunti yakho yokuhlola.
Enye imali ebolekwa nge-mileuristas yileso esakhiwe yi-Abanca, ngaphansi kwegama elinqunu likaHipoteca Mari Carmen. Futhi kuyatholakala kubafakizicelo abanemali encane. Kuyimali mboleko yempahla ebanjiswayo Ikunikeza isitolimende esinqunyelwe sempilo yonke yesibambiso, ngokushelela. Ngayo uzokhokha imali efanayo kusuka kumzuzu wokuqala futhi uze uvale inkontileka. Akunazinkathazo noma izinguquko ezingalindelekile, futhi ezilungiselelwe ngqo igama olikhethayo, kungaba yiminyaka engama-20, 25 noma engama-30. Ngezinga lenzalo ka-2,49%, isikhathi esiphakeme sokukhokha seminyaka engama-20.
Uma ukhetha le modeli yezimali, uzophinda ugcine namakhomishini wokuvula, ukutadisha, ukufaka ngaphansi kwesivumelwano kanye nokuguqulwa kwenkontileka, futhi uma uthatha isinqumo sokunciphisa ingxenye noma yonke imali engabanjiswa ngaphambi kwesikhathi, kuzosebenza ikhomishini kuphela yobungozi besilinganiso senzalo.
Bazokubuza ini ngemvume yabo?
Ngokubuyisa kuzofanele uhlangabezane nochungechunge lwezidingo eziyisisekelo ukufinyelela noma iyiphi yale mikhiqizo yasebhange kuma-mileuristas. Ngeke kube nzima kakhulu ukugcwalisa, yize ngaphandle kwabo ngokuqinisekile isicelo sizovotelwa. Kulula ukuthi uhlaziye uma ungazethula ebhange, ngoba uma kungenjalo, kungcono uyeke ukuzama, ngoba konke ozobe ukwenza ukuchitha isikhathi, mhlawumbe nokukhohlisa.
Njengencwadi yesembozo, Ibhange lizokucela inkontileka yokuqashwa, okumele ilungiswe - yize kungaphansi kwenani elilinganiselwe - ukuqinisekisa ukuzinza kwakho enkampanini, nokuthi ungakubuyisa kungakapheli isikhathi esivumelanisiwe. Kufanele futhi unikeze ngomlando webhange ongenacala ngokuphelele, ngaphandle kwezikweletu, futhi uma kungenzeka nge-akhawunti yokuhlola enempilo. Futhi uma unenkontileka neminye imikhiqizo nebhizinisi, nakanjani kuzokusiza ukukhulisa ukwamukelwa kwesicelo sakho.
Ngokufanayo, Akufanele ufakwe kunoma yiluphi uhlu lwabenza iphutha (ASNEF, RAI, njll.), ngoba uma kunjalo, bazokwenqaba isicelo sakho kusuka kumzuzu wokuqala. Hhayi kuphela ngezikweletu onazo nezinye izinkampani zebhange, kepha futhi nangamaphutha akhishwa kunoma iyiphi imali yasekhaya (ugesi, amanzi, ucingo, ugesi, njll.). Futhi ukuze baqede, kungenzeka, bazofuna ukuthi othile avume lo msebenzi. Imvamisa kuzoba ngabazali noma ezinye izihlobo eziseduze. Futhi lokho kunikezwe izimo ezibuthakathaka ozivezayo, yizo eziyoqinisekisa ekugcineni ukubuyiselwa kwemali ebiziwe.
Amanye amathiphu wokucubungula
Vele, ngeke kube inqubo elula ukuyenza ibe semthethweni, kude nayo, isisindo uma ungenisa imihlahlandlela ethile yokuziphatha kuyo, izokusiza kakhulu ukufeza inhloso yakho. Akuyona enye into ngaphandle kokuba nemalimboleko yempahla oyibolekile yokuthenga leyo ndlu oyithande kakhulu ngempelasonto edlule.
Yize wazi kusengaphambili, ukuthi amathuba akho okubhalisela umkhiqizo walezi zici aphansi ngokusobala kunalokho uma wethula i-payroll yama-euro angama-2.000 3.000, 5.000, noma ama-XNUMX. Unalesi simo lapho uqala izingxoxo nebhange.
- Uma ushadile, noma unomlingani, kuzofiseleka kakhulu ukuthi ukhuphule ukufunwa kwemali mboleko ngemithombo yezomnotho yalaba bantu ababili, noma ngabe nobabili ningama-mileuristas. Akumangalisi ukuthi amathuba okuthola isikweletu azokwanda.
- Ungazami ukufuna amanani akweqisayo ngezinga lempilo yakho, ngisho nokuthi bakhokhela wonke umsebenzi, ngoba ngeke ukwazi ukuwuthola ngaphansi kwanoma iziphi izimo. Ngaphezu kwalokho, abayinikeli cishe kukho konke ukunikezwa kwebhange.
- Uma uhlinzeka ngesikhwama sokonga ukwenza lo msebenzi, kuzoba lula kuwe ukuthi isicelo sakho samukelwe, futhi uma kunwebeka kangcono kakhulu, kwanele ukuthi uzilinganisele emibhalweni eluleke kakhulu yesimo sakho sezimali.
- Akufanele unikeze kuphela amaholo azinzile, kepha futhi lokho ube nenye imali engenayo ezinzile ejwayelekile enikeza ukungaguquguquki kukhetho lwakho. Noma behlomula ngefa lomndeni.
- Ungalahli ithemba ekufuneni isibambiso salezi zici, ngoba yize bembalwa kakhulu kulabo abathengiswayo okwamanje, kuzohlala kunethuba elithile kubantu abanjengawe abakulesi simo somsebenzi, yize kunezindlela ezinqunyelwe kakhulu, futhi ezimweni ziqinile.
- Amamodeli owathola ngaphansi kwalesi sidingo, Kuthengiswa ngezimo ezinhle kakhulu zezintshisekelo zakho, nokunikezwa kwabo kuvuselelwa njalo ngokuncishiswa okukhulu kwamazinga wenzalo asetshenzisiwe.
- Cabanga, ngakolunye uhlangothi, ukuthi yisikhathi esihle sokwenza isivumelwano, njengoba izinga lokulinganisa laseYurophu lingaphansi kwezinga lomlando, konga imali eningi ekusebenzeni.
- Futhi ekugcineni, zama ukuthola isimo esihle kakhulu sokuthola inkokhelo yemalimboleko yakho yempahla, ngaphandle kokuzikhawulela kuziphakamiso engiziphonsa kuwe kusuka ebhentshini lempilo yakho yonke.