Umhlaba esiwaziyo nesiphila kuwo namuhla uphethwe ngaphansi kwemingcele eminingi yezomnotho yazo zonke izinhlobo, okuyizinto ezingumphumela womnotho omkhulu womhlaba womhlaba weminyaka edlule. Ngakho-ke, amakhredithi namuhla ayithuluzi eliyinhloko empilweni yawo wonke umuntu. Mayelana nalokhu, abaningi bazocabanga ukuthi akukhuthazwa ukuboleka emabhange noma kwezinye izinhlobo zezikhungo zezezimali, ikakhulukazi ngenxa yenkinga ephathelene inzalo ephezulu namakhomishini abakukhokhisela wona ngemalimboleko.
Yize lokhu kuyiqiniso ngendlela ehambisanayo, kuyacaca futhi ukuthi izakhamizi ezisezingeni eliphakathi zidinga ukungena izikhathi eziningi zemalimboleko yalolu hlobo ukuze sikwazi ukuxazulula izibophezelo zezezimali zezinhlobo ezahlukahlukene, kodwa ngaphezu kwakho konke, amaphrojekthi isikhathi esiningi adinga ukutshalwa kwezimali okuphezulu kanye nezabelomali esingeke sikwazi ukuzikhipha kusuka umzuzu owodwa kuya komunye.
Lolu hlobo lwesimo lufanekisa kahle kakhulu isidingo ingxenye enkulu yabantu enaso amakhadi asebhange, ezisetshenziswa kakhulu ukukwazi ukuqala ibhizinisi noma ukumboza kusengaphambili kwempahla ethile ebalulekile, enjengekhaya noma imoto.
Yilawa macala asenza sicabangisise ukubaluleka kokuphatha imikhiqizo yasebhange, ukuthi sakha umlando wesikweletu esingaqinisekisa ngawo imalimboleko yethu yesikhathi esizayo, ngoba ngeke sihlale sikwazi ukuthembela ekuxazululeni komnotho okuqinisekisiwe okusivumela ukuthi sibhekane nanoma ikuphi ukuvela okuvelayo ngokungazelelwe, noma ngakolunye uhlangothi, sisebenzise sethuba lokwakha ibhizinisi elithile noma iphrojekthi esivumela ukuthi sikwazi ukuzimela ngokomsebenzi.
Kuyiqiniso ukuthi injongo ngeke ixhomeke kumakhredithi, kodwa iqiniso okumele silamukele kulokhu ukuthi lezi zinsizakalo njengamanje ziyithuluzi elihle kakhulu lokubhekana nokuzibophezela nokusebenzisa amathuba okuhweba.
Ngalesi sizathu, uma sesithathe i- isinqumo sokucubungula imalimboleko ukuxazulula noma yiluphi uhlobo lokuzibophezela noma iphrojekthi okuza ngendlela yethu, kubaluleke kakhulu ukubheka ezinye izinto nezici emhlabeni jikelele zemalimboleko, okusho ukwenza ukuhlela ngokucophelela ngokuthi sizoyitshala kanjani imali futhi ngaphezu kwakho konke, ukuthi sizoyikhokha kanjani imali ebolekiwe, okungukuthi , hlaziya ukuthi izinkokhelo zenyanga nenyanga noma izitolimende zingaphakathi kwamandla ethu wezezimali nokuthi azibangeli ukwesaba ekusebenzeni kwempilo yethu yansuku zonke. Enye yezindlela ezingcono kakhulu zokukwazi ukufeza le nhloso ngaphandle kwenkinga ukusebenzisa izilingisi zemalimboleko eku-inthanethi
"UsizoMyCash"
Kuleli khasi singathola isikhundla esinezinketho ezahlukahlukene zokufaka izicelo zamakhredithi asheshayo, izimalimboleko zomuntu siqu, amakhredithi amancane kanye nokuxhaswa ngemali kwezimoto. Leli khasi likunika izinketho eziyishumi ezinhle kakhulu emakethe zokucela izinsizakalo zezezimali kunoma iyiphi yalezi zindawo, okwenza kube elinye lamathuluzi amahle kakhulu okuthola imali mboleko namakhredithi kwi-intanethi.
"I-Rankia loan simulator"
Esinye isimulator esihle kakhulu semalimboleko esingasithola futhi kwi-inthanethi yi-rankia, esikunikeza uhlu lwezimalimboleko zomuntu siqu ezinhle kakhulu emabhange aseSpain.
Lapha ungakwazi lingisa zonke izinhlobo zemalimboleko, kusukela kumakhredithi ezimoto, imicimbi engalindelekile yohlobo oluthile noma nokuhlela uhambo. Ukuphela kokufanele ukwenze ukubala nokuqhathanisa inkokhelo yakho yemalimboleko ukufaka imininingwane eyisisekelo kusibali sakho, njengenhloso yemalimboleko yakho - engaba ukulungiswa kwamakhaya, ukuhlanganisa kabusha izikweletu, izifundo, imicimbi engalindelekile, ukuthengwa kwemoto noma ngohambo-, inani lemali oyidingayo kanye nesikhathi sethemu, ongasetha kunombolo ethile yezinyanga.
Kufanele futhi ufake isimo sakho somsebenzi - ongachazwanga, wesikhashana, ozisebenzayo, ongasebenzi, osethathe umhlalaphansi, ohola impesheni, njll. Ngokunjalo, ekubaleni kufanele futhi ungeze imali yakho engenayo yenyanga, idatha yomuntu siqu, iminyaka, nokuthile okubaluleke kakhulu, cacisa uma ngabe usohlwini lwabantula izinkokhelo ezifana neRAI noma i-ASNEF, ngoba ezikhungweni eziningi zezezimali lokhu kungaba Ukunquma idatha lapho unikeza uhlobo oluthile lwesikweletu.
Ngokunjalo, kuleli khasi uzokwazi futhi ukubona izinketho ezahlukahlukene zezikhungo zebhange, etafuleni lapho kukhonjiswa khona ulwazi olukuvumela ukuba uqhathanise imininingwane ebalulekile njengezinga lenzalo noma amakhomishini okuvula akhokhiswa kwezinye izimo .
Ngokuya ngemininingwane esiyifakayo ukucela isikweletu sethu, injini yokusesha yekhasi izosikhombisa lezo zinhlangano ezifanela kangcono iphrofayli yethu kanye nenqubo yokusesha, engasisindisa isikhathi esiningi lapho senza lokhu kusesha okusheshayo, kunokuba sibukeza ngamunye ngamunye ku-inthanethi imininingwane nezici zezikhungo zezezimali.
Abalingisi bemalimboleko yasekhaya
Enye yezinhlungu ezinkulu zekhanda iningi labantu baseSpain abahola phakathi okudingeka badlule kulo liphathelene ne ukutholwa kwekhaya. Kulokhu, imali mboleko kufanele icelwe ngaphansi kwesimo semalimboleko yempahla ebanjiswayo, kepha njengakwezinye izimo, nayo kufanele icelwe. cwaninga futhi uhlaziye kuma-simulators e-inthanethi, ukuba nomqondo ocacile futhi oqondile wohlobo lwemalimboleko esingayithola nokuthi ngasikhathi sinye ihlangabezana nezidingo eziyisisekelo zesabelomali sethu.
Cabanga okuguqukayo njengokubalulekile njengenani le- imali mboleko, ukwehluka kwe-Euribor, inzalo nemali mboleko zingasebenza kangako ekuchazeni ukukhokhwa ngempumelelo kwempahla yethu ebanjisiwe. Ngendlela yokuthi singakhohlwa ukwenza ukuhlela ngokucophelela ngaphambi kokuqalisa enkampanini yokuthenga indlu noma impahla, izimpahla ezigcina zimelele utshalomali olukhulu lwekusasa lesikhathi eside.
Ngale ndlela, i ikhasi "TWINERO" isinikeza izilingisi ezinhlanu ezihamba phambili zemalimboleko yekhaya ezitholakala ku-inthanethi Noma ngubani onentshisekelo ekuthengeni ikhaya esikhathini esizayo, ungavakashela lezi simulators ukuqala ukuhlela isu lesikweletu elifanele isimo sakho seholo nomsebenzi. Izibonelo ezethulwe ekhasini zingokulandelayo:
I-Euribor.com
Ukuba ithuluzi elinikezwa yi okusemthethweni nokungathathi hlangothi, Ungaqiniseka ukuthi izobheka izintshisekelo zabasebenzisi ngaphambi kwezintshisekelo zezomnotho zenkampani yezikweletu, okuyinto eyenzeka ezimweni eziningi zalolu hlobo. Ngakho-ke, le simulator ibhekwa njengekhasi lereferensi lewebhu lokwenza imibuzo mayelana nemalimboleko yezindlu.
I-Bank of Spain yemalimboleko yesimulator
Njengoba ingeyeBhange LaseSpain, le simulator ingenye yezinketho ezinokwethenjelwa kakhulu ezingasetshenziselwa ukufinyelela kuphela abalingisi bemalimboleko yempahla, kepha futhi nezinye izinsizakalo ezinjenge ukubalwa kwe-APR (isilinganiso esilinganayo sonyaka) semalimboleko, i-simulator yediphozi yasebhange, futhi ukubalwa kwenzalo esebenzayo noma ukwehliswa kwemali okuncane okulindelwe kwemalimboleko, yingakho ibhekwa njengenye yezindlela zokulingisa zemalimboleko ezihamba phambili njengamanje emakethe.
I-Idealist Simulator
I-simulator ye-Idealista kungenye yezinto eziphelele kunazo zonke esingazithola ngoba ngaphezu kwezeluleko mayelana nokubolekwa kwemali, iphinde isinikeze izinsizakalo ezifana nokuqoqwa kwezikweletu kanye nethuba lokwenza ngcono izimo zempahla yakho ebanjiswayo, enikezwa ngokusekelwa okuhle kakhulu kwezobuchwepheshe kanye nesevisi yamakhasimende.
Ukulele.com
Le yiwebhusayithi elula kakhulu ukusebenza kwayo kuphela ukubala izindleko zethu zempahla ebanjiswayo, ngakho-ke ayiphenduli kuzintshisekelo zezinhlangano ezizimele, ngaleyo ndlela kube ithuluzi elithembeke kakhulu esingaya kulo.
Ithebula-amortization.es
Este simulator elula kusivumela ukuthi sibale ukukhokhiswa kwemali mboleko yempahla ebanjwayo, kanye nesikhathi esizothatha ukwenza ukukhokhwa okugcwele kwemali mboleko.
Isiphetho
Nakanjani, imali mboleko namakhredithi kungenye yezinto esingathanda ukuba sizigweme sonkeKodwa-ke, namhlanje leyo nhloso ayisebenzi njengoba sisesimweni somnotho lapho izinsizakalo zezezimali zalolu hlobo zibalulekile futhi zibalulekile ukuze sikwazi ukuqala amaphrojekthi noma ukufeza izibopho ezithile ezivame ukubiza kakhulu.
Ngalesi sizathu, asikwazi ukubeka eceleni ithuba lokusebenzisa lezi zinsizakalo ngesikhathi esithile, sikhumbula ukuthi inqobo nje uma sizisebenzisa ngendlela efanele, akunakwenzeka ukuthi sizoba nezinkinga ngokuzayo.
Ngakho-ke sebenzisa izilingisi zemalimboleko Kuyisu elihle kakhulu ukubheka izinkokhelo nezinkokhelo okuzodingeka sizenze, njengendlela yokubala uhlobo lwemalimboleko esivumelana nathi ngokwamandla ethu nezidingo zethu zezezimali.
Unolwazi lwe ama-simulators amahle kakhulu wemalimbolekoEkugcineni, izosisindisa isikhathi esiningi ngisho nemali, ngoba ukuba nolwazi oluningi nolungcono, singakugwema ukuwela ephutheni lokuthatha imali mboleko ebiza kakhulu, okusenza siwele esimisweni sokubambezeleka noma sekwephuzile ekugcineni esizophela kuphela phezulu kuthinta kakhulu umlando wethu omuhle wesikweletu.