Enye yezindlela ezinhle kakhulu zokwenza ukudonswa kwemali yerenti kungenxa yesitatimende semali engenayo; kodwa-ke, njengamanje ithuba lokudonswa kwesamba semali alivulelekile kubo bonke abafuna ukwenza kanjalo.
Amakhaya wesibili noma izindawo zokuhlala
Uma kwenzeka umuntu omfunayo donsa isamba semali kwirente sebenzisa leso sikhala njengokunye okungelona ikhaya, isibonelo amahhovisi noma izitolo noma ungenayo leyo ndlu njengekhaya lakho lokuqala, ngeke ukwazi ukuyisebenzisa ukukhipha imali engenayo.
Ngemiphakathi ezimele
Ngakolunye uhlangothi, iningi le- imiphakathi ezimele Azinikezi ukuthi kungenzeka kudonswe intela noma zifake imibandela eyengeziwe maqondana nohlobo lwezindlu.
Yiziphi izidingo zokuthi ikhaya lakho lifakwe enteleni yemali engenayo?
Ukuze uyifake kufayela le- ukuncishiswa kokuphela konyaka, ikhaya lakho kumele ngabe lahlala iminyaka engaphezu kwemithathu elandelanayo noma kufanele ngabe lihlale izinyanga eziyi-3 ngemuva kokuthenga. Uma kwenzeka kwenziwa umzamo wokudonswa kwentela ngendlu engahlangabezani nezidingo bese uMgcinimafa ekubona lokho, ungacela lowo muntu inani lemali ebanjiwe.
Ukuze ukwazi ukufinyelela kulokhu kudonswa, okumele ukwenze buza donsela ezindlini lapho uhlala khona cishe unyaka wonke, okungukuthi, lapho ungafakazela khona ukuthi yikhaya lakho elijwayelekile.
Itholakala kanjani intela futhi ingakanani?
Ukukunikeza umbono, lesi samba sifaka ukudonswa okufika ku-10,05% wenani eliphelele elikhokhelwe irenti. Ukuze lokhu kusebenze, kufanele ube nesisekelo sentela sama-euro ayi-24.020. Ukwazi uma uhlangabezana naleli phuzu, okumele ukwenze nje engeza umholo ophelele, Ngaphandle kwalokho ukubuyiselwa kwemali. Ngemuva kwalokho, i- imali ebanjwayo. Uma isisekelo sakho sentela sidlula ama-euro ayizinkulungwane ezingama-24, ngeke ukwazi ukuthola ukudonswa kwirenti emholweni, ngoba imali engenayo ingaphezulu kwama-euro ayizinkulungwane ezingama-30.
Ukukhishwa kwesifunda okungafinyelelwa ukuqasha
Futhi kufanele ukhumbule ukuthi imiphakathi ngayinye ezimele isungulela eyeyayo imali futhi ayinakubhalwa ngaphezulu. Kuwo wonke amacala esizowaqamba ngezansi, umninindlu kuzofanele afake idiphozi kanye nomazisi osemthethweni kumuntu okuqashwa kuye lelo flethi.
Uma ungumuntu oqashile futhi umnikazi engazange afake idiphozi, ngeke usakwazi ukukhipha ingxenye elinganiselwe yerenti futhi uma uyifeza, impahla ingakufaka kamuva.
I-Andalusia
Endaweni yaseAndalusia, kuvunyelwe ukudonsa kuze kufike kokukodwa U-15% wemali yerenti okumele ikhokhwe, noma kunjalo, lapha kufanele kuhlangatshezwane nobuncane bama-euro angama-500. Ngaphezu kwalokho, ukuze ukwazi ukujabulela lokhu kudonswa kufanele ube neminyaka engaphansi kwengama-35 ubudala futhi ungeqi kuma-euro ayizinkulungwane eziyi-19 wentela yomuntu ngamunye noma izinkulungwane ezingama-24 zentela ehlangene.
Ukuze ufinyelele lokhu ukukhishwa kwerenti, idiphozi yendlu kufanele yenziwe itholakale emphakathini ozimele. Ngalokhu, ophethe inkontileka uzokwazi ukudonsa.
Ngesikhathi se- isitatimende semali engenayo, umuntu ofuna ukudonsa kumele afake i-NIF yakhe ebhokisini lama-743 lembuyiselo. Kusho ukuthi kuzoncishiswa umnikazi walelo khaya noma labanikazi uma kwenzeka umbhangqwana oshadile; ukuba kuzo zombili izimo umkhawulo wama-euro angama-500. Lokhu kuncishiswa kokuqashwa akunakwenziwa ngokuthengwa kwendawo yokuhlala ejwayelekile.
I-Aragón
Kukumisebenzi ethile kuphela lapho kungenzeka khona donsa u-10% wentela kulelo nani ukuthi unikele ngama-euro ayizi-4.800.
Este uhlobo lokubanjwa lusebenza kubo bonke abantu ezinesisekelo sentela sama-15.000 euros noma ama-25.000 uma kwenziwa ngokuhlanganyela.
Ukuze ukwazi finyelela kulokhu kudonswaKungenziwa kuphela uma kunecala lokwahlulelwa kwendawo ohlala kuyo noma isikweletu esisele esikweletini sendlu; lokhu kufanele kwenziwe ngokusemthethweni kwinkontileka yizinhlangothi zombili.
Kulokhu, alukho uhlobo lwediphozi okufanele lushiyelwe umphakathi ozimele.
Ubukhulu be-Asturias
Kulokhu, umkhawulo omkhulu ongafinyelelwa kuwo ungama-10% wamanani akhokhelwe ku- umqondo wokuqasha, enesilinganiso sama-euro angama-455 ngenyanga kungakhathalekile ukuthi ngabe kunjalo isimemezelo esisodwa noma esihlangene. Uma kwenzeka ikhaya lisesimweni sasemakhaya, inani likhuphuka laya kuma-euro angama-606 ngokukhishwa kwengqikithi engu-15%.
Ukuze uthole lo mhlomulo, kufanele ufake i-NIF yakho ebhokisini 760 esitatimendeni semali engenayo.
Iziqhingi zaseBalearic
Akukho okubanjwayo emqashweni
Iziqhingi zaseCanary
Ukubanjwa kufinyelela ku-15% kubakhokhi bentela abanesisekelo sentela esifinyelela kuma-euro angama-500.
Cantabria
Ukuze ufinyelele ifayela le- ukuncishiswa eCantabria, kufanele ube ngaphansi kweminyaka engama-35 noma ngaphezulu kwengama-65. Abantu abakwazi ukukhombisa ukukhubazeka okufika ku-64% nabo bangakujabulela lokhu kuncishiswa, kwe-10% yerenti emholweni ongaphansi kwama-euro angama-300 ngenyanga.
UCastile noLeon
E-Castilla y León ungajabulela kuze kufike ku- Kudonswa u-15% emqashweni ezingadluli ama-euro angama-459 ngenyanga. Ezindaweni zasemakhaya, inani liyakhuphuka futhi uzokwazi ukuthola ukudonswa okungu-20% emalini engenayo noma eyeqile kuma-euro angama-600. Ngaphezu kwalokho, ikhaya okukhulunywa ngalo kungenzeka lingabi ngaphezu kwamakhilomitha angama-30 ukusuka enkabeni yedolobha, okungukuthi, kusuka enhlokodolobha yesifundazwe.
Este uhlobo lokususa Itholakala kuphela ezinganeni ezingaphansi kweminyaka engama-36 ubudala.
Isi-Catalonia
E-Catalonia, ukuncishiswa kufinyelela ku-10% emholweni ongaphansi kwama-euro angama-300. Ukuze ufaneleke kulolu khetho, umkhokhi wentela kufanele abe ngaphansi kweminyaka engama-32 ubudala noma abe nesiteleka sezinsuku eziyi-183.
Abantu abanayo ukukhubazeka ngaphezulu kuka-65% noma abantu abangaphezu kweminyaka engama-65 nabo bangafinyelela kulokhu kuncishiswa.
Ku imindeni emikhulu, inani elidonswayo eliphakeme lifinyelela kuma-euro angama-600.
Extremadura
Lokhu kudonswa kutholakala kuphela kubantu abangaphansi kweminyaka engama-36 ubudala noma kulabo imindeni emikhulu. Ungathola futhi lolu hlobo losizo uma unokukhubazeka okufika kuma-65%.
Ukudonsa kusuka ku-5 kuye ku-10%.
Galicia
EGalicia ungadonsa kuze kufike ku-10% ngemali ephezulu engama-euro angama-300 kwisivumelwano. I- imindeni emikhulu Bangadonsa kuze kufike kuma-20% ngenani lama-euro angama-600. Futhi abantu abane- ibanga le-DISCAPACITY kukhulu kuno-33%.
Madrid
EMadrid, ungadonsa kuze kufike ku-20% wemali engenayo yonyaka ngesamba esiphakeme sama-euro angama-840. Ku finyelela ekubanjweni, umninikhaya kufanele abeke isikhungo sezindlu zomphakathi waseMadrid.
Murcia
EMurcia akukho uhlobo lokususa, ngakho-ke akekho noyedwa ozokwazi ukucabanga ngokudonswa kwemali erenti yakho.
La Rioja
ILa Rioja ayinalo uhlobo oluthile lokudonswa kwezintela.
Valencia
Endaweni yaseValencia, uma ungadonsa iphesenti lentela, kepha inani liyahluka, kuya ngomuntu ofuna ukukucela.Abantu abaningi bane-15% yerenti ephelele inqobo nje uma bengaphansi kweminyaka engama-35 noma uhlobo oluthile lokukhubazeka olungaphezu kwama-65%.
EValencia, kuzokwazi ukukhipha imali ekuqaleni kwe ibhizinisi lomunye umuntu noma i-akhawunti yakhe, ngomkhawulo wama-euro angama-140 enanini eliphelele.
Izwe laseBasque
Yize izwe laseBasque lingenayo i- umkhawulo wokudonswa kombuso ngokuqasha, uma unethuba lokudonswa ngokuvamile kwama-20% amanani owatshalile kwirenti ngomkhawulo ofinyelela kuma-euro ayi-1600 ngonyaka. Endabeni yemindeni emikhulu noma leyo engaphansi kweminyaka engama-35 ubudala, inani liyakhuphuka laya kuma-euro ayizi-2.000 25 ngokudonswa okungafika kuma-XNUMX%.
I-Navarra
KuNavarra ungadonsa kuphela u-15% wengqikithi, ngesilinganiso sama-euro angu-1.200. Ukuze wenze le nqubo, umuntu ofuna ukuyenza kudingeka ukuthi abe ne- isivumelwano sokuqashisa.
Ekugcineni, sikukhumbuza ukuthi iqiniso lokuthi umninindlu akafaki eyakhe ukuqasha ukuqashaAkusho ukuthi awukwazi ukukwenza, ngoba kuyimicimbi emibili eqhelelene ngokuphelele. Kulokhu, umuntu ozobe ephula umthetho wentela kuzoba umnikazi wendawo yakho hhayi wena. Kodwa-ke, kufanele futhi ukhumbule ukuthi uma umemezela futhi umninindlu engakwenzi, bangaba nezinkinga ezinkulu lapho bebukeza idatha obanikeza yona futhi kufanele bakhokhe inhlawulo ephezulu.
Kungcono ukuthi uxoxe ngalo nomninikhaya ngaphambi kwanoma iyiphi inqubo.
Nginentshisekelo enkulu ekudonsweni kwemali eCatalonia. Lokhu kwenzelwa abantu abanokukhubazeka okungaphezu kwama-65% nakubantu abaneminyaka engaphezu kwengama-65 yokuthi bangakwazi ukuthola lokhu kuncishiswa. Qaphela ukuthi akwenzeki kuzo zonke izindawo, kunezinto okufanele uzigcine engqondweni.