Izinga lenzalo yemali mboleko elinconyiwe nelisebenzayo eSpain

amanani asebenzayo

Imali ebanjiswayo iyimali ebolekiswayo eqinisekiswe ngenani lesakhiwo, kusho ukuthi noma isiphi isikhungo sezezimali esisinikeza, sisebenzele futhi sinikeze abanye imali mboleko Amanani wenzalo kanye nesiqinisekiso esincike enanini lesakhiwo, kulokhu kuyindlu, ukwakhiwa noma isakhiwo.

Kuyaziwa futhi njengomkhiqizo ibhange eliwunikeza amaklayenti alo ukuze babe ababolekisi ukuze bathole inani lemali, kulokhu okuyi "Imali-mboleko", lokhu ngenhloso yokuzibophezela lapho iklayenti lenza imbuyiselo yale mali yemalimboleko kanye nezintshisekelo ezihambisanayo ezenziwa ngokukhokha ngezikhathi ezithile noma izitolimende. Ezinye izinhlobo zama-akhawunti zimboza izinhlobo ezahlukahlukene zeziqinisekiso, kepha lena ikakhulukazi, imalimboleko yempahla ebanjiswayo, inesiqinisekiso esengeziwe saleyo mpahla etholakele.

En los izikweletu zemali Kunezinto ezimbili ezibalulekile ukuze zenziwe. Eyokuqala eyinkontileka yemalimboleko yempahla okukhulunywa ngayo, lapho izibopho zalowo okweletayo nazo zonke izimo zemalimboleko zivela ngokuningiliziwe, kanye nezitolimende, uhlelo lokuncishiswa kwamanani nezibopho zalowo okweletwayo. Into yesibili ifaka phakathi isiqiniseko sokubambisa ngempahla, okucabanga ukuthi uma kwenzeka kungakhokhelwa noma okweletayo enqaba ukukhokha, umbolekisi angathatha noma athathe impahla noma impahla yalowo obanjelwe imali.

Izici zemalimboleko yempahla ebanjiswayo, Amanani wenzalo

izinhlobo

  • Lolu hlobo lwemalimboleko, imalimboleko yempahla ebanjiswayo, izocabanga ukuthi njengabakweletayo ukuzibophezela okubaluleke kakhulu kwezezimali ngokuzayo, kubaluleke ngokukhethekile emigomeni emide futhi kubeka engcupheni yokulahlekelwa yimali, kanye nokuqinisekisa imali edingekayo yokuyithola.
  • Uhlobo lwemalimboleko yempahla ebanjiswayo ivamise ukuba nenani eliphakeme ngaphezu kwesikhathi eside, njengoba lifaka imali eningi futhi nesiqinisekiso sibalulekile futhi sinenani elikhulu njenge-equity, i-good or real estate. Ngaphambi kokuthola isikweletu esikhulukazi, kuyadingeka ukuhlola njengomuntu okweletayo ubungozi kanye nokwenzeka kokuqeda lesi sikweletu, ngoba imali esinayo kufanele iphindaphindwe futhi yanele maqondana nesikweletu nokuzibophezela okufanele kuthathwe. Kunconywa ukuba nemali egciniwe yokuqala ehlanganisiwe kanye nemali engenayo ngaphambi kokuthatha umthwalo wokuba nemalimboleko yempahla ebanjiswayo.

Amanani wenzalo kuyizinkomba zokukala inzuzo yokuthenga noma yokuthengisa ngokwesikhathi. Uma kwenzeka kuba isilinganiso senzalo yemali mboleko, isilinganiso senzalo, noma amaphesenti wenzalo Kuyireferensi yengqikithi yekhredithi noma utshalomali. Ngokuya ngenani lemali kanye nethemu noma isikhathi sokufaka noma sokubuyisa, isikhathi sinikezwa futhi uma singakhokhiwe ngeke kube khona lutho.

Ngakolunye uhlangothi, amanani enzalo azoba yinkomba yephesenti laleyo capital elizoguqulwa libe ngumhlomulo, futhi esimweni sokuba yimalimboleko, efana nemalimboleko yempahla ebanjiswayo, kuzoba ngamaphesenti enhlokodolobha okuzofanele akhokhwe. Into ejwayelekile ukusetshenziswa kwenzalo ezikhathini zonyaka owodwa, noma kungenzeka futhi ukuthi zisetshenziswe njengezinsuku, izinyanga, izinhlanhla, noma masonto onke. Izinga lenzalo lingalinganiswa njengezinga lenzalo eliphansi noma njengezinga lonyaka elilinganayo. Yize lezi ezimbili ezedlule zihlobene, azifani, lesi silinganiso futhi sizoncika ezingxoxweni eziphakathi komuntu okweletayo nomqoqi, ngoba isikweletu singaba nentshisekelo ehlukile ngokusho kwalezi zingxoxo.

Inani lemalimboleko yempahla ebanjiswayo.

I-Euribor

Kunezici eziningi ezinquma umkhawulo wenani lemalimboleko yempahla ebanjiswayo, kanye isitolimende esivelayo kanye nesikhathi sokukhokha.

Enye ye Izici yinani elilinganisiwe lekhaya, okungadidaniswa nenani lokuthengiswa kwempahla eshiwo. khona izinkampani zokuhlola ezigunyaziwe Yizinkampani umsebenzi wazo ukuhlola ukulinganisa, lezi zinkampani zibhalisiwe futhi zigunyaziwe kubhaliso lweBhange laseSpain. Ngokwemvelo, inani eliphakeme lemali mboleko yempahla ayikwazi ukudlula i-100% yenani elilinganisiwe, ngaphandle kwalokhu kunezinhlangano ezithile zezezimali ezinciphisa leli nani liye kuma-70% noma ngisho naku-60% wenani lalo elibekiwe.

Isici sesibili sokunquma senani lemalimboleko yempahla ebanjiswayo amandla okuboleka omfakisicelo. Izinhlangano zezezimali zenza ucwaningo ngemali engenayo nezindleko ukuze zazi kahle izinkokhelo umfakisicelo angazikhokha nyangazonke, noma nganoma iyiphi indlela okuvunyelwene ngayo, ukukhokhwa kwemali mboleko yempahla ebanjiswayo. Imvamisa imali ekhokhwa nyangazonke ingeqi ngaphezu kuka-35% wemali engenayo yomfakisicelo ngemuva kwezindleko. Kunconywa kakhulu ubuncane bama-20% enani eliphelele lempahla, ngaphezu kwe-10% yezindleko ezihambisanayo ezibandakanya imalimboleko yempahla.

Izindleko ezibandakanyeka kwimalimboleko yempahla yempahla yilezi:

  • Amanani wenzalo
  • Izindleko ezihambisanayo.
  • Amakhomishini

Amanani wenzalo.

amazinga wenzalo spain

Kunezinhlobo ezintathu zamanani wenzalo:

  1. Imalimboleko yempahla ebanjiswayo ngenzalo engaguquki. Kule ndlela yokuziphatha, inani lenzalo alihlukile ngesikhathi okuvunyelwene ngaso semalimboleko yempahla, ngaphezu kwenkokhelo yanyanga zonke. Inzuzo ephawulekayo nesincoma ngayo le ndlela ukuthi inkokhelo yanyanga zonke izofana futhi izohlala injalo isikhathi sonke sethemu, kungakhathalekile ukuthi inzalo yemakethe inyuka noma yehla. Okubi ukuthi ukukhokhiswa kwemali kuncane kunezinga eliguqukayo.
  2. Izimalimboleko zempahla ebanjiswayo inzalo eguquguqukayo. Le ndlela yakhiwa ngokuya ngenani lenkomba yesethenjwa, kungahle kube njalo I-Euribor, kanye nokusabalala okungaguquki. Imali inenani elingabuyekezelwa kunani lenkomba ekhonjisiwe. Ubuhle nobubi balesi simo kulula ukuqondakala, njengoba inzalo inyuka imali izobe iphakeme, njengoba inzalo yehla imali izobe iphansi noma iphansi. Lokhu kuqinisekiswa ngesibonelo: uma i-Euribor ebhekiswe kwisemester iku-0,55% futhi umehluko ngu-2%, isiyonke isamba esingu-2,55% singakhokhwa unyaka nonyaka, kuze kube kubukezwa okulandelayo, ngaphezu kokuba ukubuyekeza minyaka yonke.
  3. Izimali mboleko imali ebolekwe exubile. Imvamisa zithandwa kakhulu. Ukufaka isilinganiso esinqunyiwe sengxenye yesikhathi sokukhokha nokusebenzisa inani lenzalo eguquguqukayo kuleso sikhathi esisele. Sincoma kakhulu lesi simo, ngenxa yokusebenza kwaso ngobuningi kanye nokusizakala kokuthi izilinganiso zethu zikhonjiswa nge-Euribor esikhathini sokwehla. Ngalokho kubalulekile ukuthi wazi ukwenyuka nokuwa kwe-Euribor.

I-Euribor ibhentshimakhi yokubalwa kwezitolimende zanyanga zonke, esetshenziswa kwizilinganiso zemali mboleko eziguquguqukayo eziningi. Le nkomba efanayo ibinenkomba ka-2016% ngoFebhuwari 0,01. Lokhu kusenza sibone ukuthi, ukube besikhethe ukuguquguquka kwemali mboleko yemalimboleko eguqukayo, besizokhokha imali enenzalo engu-2.01% ngaleso sikhathi, isikhathi esihle senqubo yenzalo eguquguqukayo! Akunjalo? Mhlawumbe, kusukela ngoMeyi 2018 i-Euribor isethwe ku- -0,188, zihlulele.

Izindleko ezihambisanayo.

I-Los izikweletu zemali kufaka phakathi uchungechunge lwezindleko ezihambisanayo, phakathi kwazo yilezi:

  • Izindleko zokulinganiswa kwempahla noma izindleko zokuhlaziya.
  • Imali yokucubungula i-ejensi. Imvamisa imelela u-3% wenani elixhasiwe.
  • Intela yokwenza ngokusemthethweni imali mboleko ngesiqinisekiso sokubambisa ngempahla.
  • Izindleko zeRegistry Registry kanye ne-notary.

Amakhomishini Kubalulekile ukwazi ukuthi ungathuthuka kanjani!

Kukhona okuzovulwa, amakhomishini wokuvula imvamisa ayiphesenti lemali ebolekwe yisikhungo sezezimali. Kukhona nezinxephezelo uma kwenzeka kukhishwa inani eliphelele noma elinqunyiwe (ukukhokha imali), kulokhu kungaba ukukhokha isikweletu ngaphambi kokuphela kwethemu. Izinxephezelo ezizokhokhiswa intela zivame ukulingwa njengoba unemali eyengeziwe noma imali engalindelekile, lokhu kungasetshenziswa ukukhokha isikweletu, yize lokhu kungavamile ukwenzeka njengoba isikhungo sezezimali senza ucwaningo lomfakisicelo noma iklayenti, ngaphambi kokunikeza imali mboleko, ubheke ukuthi ingakwazi ukukhokha isikweletu ngaphambili, ngemuva kwakho konke yingxenye enenzuzo yemalimboleko yempahla ebanjiswayo.

I-IRPH noma i-Euribor?

Kokubili amabhentshi we-quota, noma kunjalo umehluko phakathi kwalokhu ukuthi i-Euribor isetshenziswa nyangazonke futhi isetshenziselwa ezinye izinhlobo zemalimboleko ngaphezu kwesikweletu sempahlaNgohlobo lwemalimboleko yempahla ebanjiswayo, inkomba ye-IRPH ivame ukusetshenziswa, esetshenziselwa ikakhulukazi ukutholwa kwamakhaya nemalimboleko yalolo hlobo.

Yikuphi okungcono?

Sincoma ukuthi uhlale unolwazi njalo nge- izibikezelo zokuvuka nokuwa maqondana ne-EuriborLokhu kulinganiswa kuvame ukuba nezikhathi eziningi neziphansi ezenza noma ngubani azizwe engaqiniseki ngokukhetha njengenketho engcono.

Ngaphandle kokuthi i-IRPH benchmark index inezinga elithile lokuzinza elibhekwa "njengelilungile", i-Euribor isinikeza amaconsi amahle, lolu udaba olungaphikiswana ngalo maqondana nokuthi hlobo luni lwezinzuzo esifuna ukuzithola kwizitolimende zethu zonyaka. ukukhokha kancane ngezikhathi ezithile bese uzibeka engcupheni yokukhokha imali eyengeziwe futhi? Noma sithanda ukuzinza okusisa emazingeni ahlukene wokuphakama kepha ngaphandle kokugxuma?


Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.