Imali mboleko engaguquki noma eguquguqukayo?

Ukunquma phakathi kwempahla ebolekisiwe noma eguqukayo kungaba yinkinga uma singaqiniseki ukuthi sikuphi. Kuyinkinga yabantu abaningi lapho bezosayina isikweletu sendlu, banqume phakathi kokunye. Empeleni, zombili izinketho zinezici zazo ezinhle nezimbi, kepha konke kuzoya ngomongo umuntu akuso. Umongo ongagcina unethonya elikhulu kulesi sinqumo kungaba izinqubomgomo zezimali, inhlokodolobha iyatholakala, kanye nesimo somoya sokubeka engozini noma cha.

Kunamawebhusayithi amaningi akhuluma ngobuhle nobubi phakathi kokuthola imali mboleko engaguquki noma eguquguqukayo. Kungaba ukudideka kubantu abasebenza kakhulu ezincwadini noma ezibukwayo hhayi kakhulu ngezinombolo. Kungakho isimangalo salesi sihloko sithi, ngaphandle kokukushaya indiva ukuthi sinenzuzo enkulu noma siphumelele, sisondeze kancane emphakathini jikelele futhi ukwenze kuqondwe kahle ukuthi lezo zithakazelo zicasha ngamagrafu nangezibonelo. Ngale ndlela, siza ukunquma ngokuya ngephrofayili yakho ukuthi iyiphi impahla oyibolekayo.

Umehluko omkhulu phakathi kwempahla engaguquki noma eguquguqukayo

Uma sicabanga ukuthi sonke siyazi ukuthi yini imali ebolekiswayo, sizobona umehluko omkhulu phakathi kwempahla ebanjisiwe.

• Imali mboleko engaguquki: Inzuzo yayo enkulu ukuthi sizokwenza yazi ukuthi iyiphi i-quota ezofika kithi njalo ngenyanga kuze kuphele isikhathi. Imali mboleko engaguquki igcina isilinganiso senzalo esinqunyiwe seminyaka ezosebenza ngaso. Ngakho-ke, uma kuku-3% (ngokwesibonelo), siyazi ukuthi unyaka nonyaka sizokhokha u-3% wenani lobuso elisele (“okusele okumele kukhokhwe”). Okusho ukuthi, uma ngemuva kweminyaka engu-4, sinama-90.000 euros asalindile, lowo nyaka wesihlanu sizokhokha ama-euro angama-2.700 ngenzalo (3% yama-90.000 euros asalindile). Njengoba kuyinzalo engaguquki, ibhange livamise ukufaka inzalo ephezulu kunokubolekisa ngenzalo okuguqukayo.
• Imali ebolekwayo eguqukayo: Inzuzo yayo enkulu ukuthi ngesikhathi sokuyisayina, inzalo engu-% ezokhokhiswa ekubanjisweni kwemali izobe iphansi kunaleyo yemali mboleko engaguquki. Kodwa-ke, imali ebolekwayo eguquguqukayo njengoba igama liphakamisa ayigcini inzalo engaguqukiEsikhundleni salokho, ihlobene nenkomba yesethenjwa, esimweni seSpain i-Euribor. Lokho kusho ukuthi uma i-Euribor ingasuki, noma yehla, imali ebanjiswayo yethu izohlala noma yehle. Uma, ngakolunye uhlangothi, ivuka, inzalo% ezosetshenziswa kithina lapho inzalo yemalimboleko yempahla ebanjiswayo ivuselelwa izokhula. Isibonelo, sichithe unyaka odlule sikhokha inzalo engu-0'80% kwimalimboleko yethu futhi sisalelwe ngama-euro ayizi-90.000. Uma igcinwa, ngonyaka ozayo sizokhokha ama-euro angama-720 (0% kuma-euro ayizigidi ezingama-8). Uma iwa ngo-90.000%, sizohlala no-0% (20'0-60'0 = 80'0) futhi sizokhokha ama-euro angama-20 ngenzalo ngonyaka ozayo (0% kuma-euro angama-60). Kepha, futhi yilokhu okudikibalisa abantu, uma kukhuphuke ngokungazelelwe i-540%, ngonyaka olandelayo besizokhokha ama-euro ayi-0 (futhi ingaqhubeka ikhule unyaka nonyaka).

Imali mboleko engaguquki noma eguquguqukayo kuye ngesikhathi

Leli grafu lihambisana nesilinganiso senzalo esimaphakathi lapho kusayinwe khona imali ebanjelwe eminyakeni yamuva. Imali mboleko elungisiwe iluhlaza okwesibhakabhaka, kanye nemali ebolekwayo eguquguqukayo ephuzi. Imininingwane ihlinzekwa yi-INE, kanye newebhusayithi enhle kakhulu ongakhipha kuyo le datha ngokushaywa umoya ngenxa yamagrafu ayo epdata.es engikutusa ngenani elikhulu lolwazi olunikezayo.

Ukwehla kwe-Euribor kuhambisane nentshisekelo yokuwa kwempahla ebanjwayo, njengoba sikwazi ukubona kugrafu. Iqiniso lokuthi amazinga wenzalo afinyelele emazingeni angaphansi kuka-0%, kuphoqe abantu abaningi ukuthi bakubeke phambili ukuphepha kwempahla ebanjisiwe engaguquki kunaleyo eguqukayo. Empeleni, le mali engu-2020 ethe xaxa yemali mboleko isayiniwe kunokuguquguqukayo. Kwaze kwenza kwaba lula kubantu abaningi ukuthi bashintshe ukuguquguquka kwabo kube yimali mboleko engaguquki. Isizathu esikhulu, ukuvikela ekukhuleni okungenzeka kwamazinga wenzalo. Ukukhuphuka okungafikanga nakho, njengendlela yokwandisa ukusetshenziswa nokwenza ukugeleza kwezikweletu ukugcina amazinga ephansi.

I-athikili ehlobene:

Kungani i-Euribor inegethivu?

Ngokwezinqubomgomo zezimali kumazinga wenzalo

Kuyiqiniso ukuthi ubhadane luguqule izibikezelo eziningi zezomnotho, kepha uma sigxila kokwedlule nasezinhlelweni zokuthuthukisa umnotho nge-ECB, amanani enzalo akufanele abe nokunyuka okunamandla, okungenani esikhathini esifushane naphakathi. Lokhu kusho ukuthi kuzoba mnandi kakhulu ukukhokha isikweletu sendlu ngenzalo eguquguqukayo, ikakhulukazi uma kuyiminyaka embalwa. Kodwa-ke, uma isikhathi eside, kufanelekile ukuthatha isilinganiso esinqunyiwe ukuvikela ekukhuleni kwenzalo yenzalo.

Okuthile okumele sikunqume isikhundla sethu nobungozi esingabuthatha (ngokwezezimali nangokomzwelo), kusukela ukwehluka okungu-1% kusho izinkulungwane zama-euro kuyo yonke iminyaka yokubambisa. Ngaphezu kwalokho, kufanele kukhunjulwe ukuthi ekuqaleni kulapho kukhokhwa inqwaba yenhlokodolobha. Njengoba iminyaka ihamba futhi ikhishwa, leyo nzalo iyancipha ngokulingana nenhlokodolobha enikelwe encwadini ngayinye.

Ngokusho kwenhlokodolobha etholakalayo kumthengi

Sicabanga ukuthi sinomthengi onemali enkulu kunalokhu anikele ngakho. Uma kwenzeka kukhuphuka okunye, imali ingahlala iqhubekela phambili. Okwamanje, futhi uma kwenzeka ukuthi inzalo iqhubeka nokuwa, noma inyuke, kepha kancane, unganquma ukungayisebenzisi leyo capital. Ngisho nokuncamelayo kwakho kungaba okokutshala imali, okungaheha kakhulu inqobo nje uma kungakunika imbuyiselo ephezulu kumali oyitshalile kunenzalo oyikhokhayo ekubanjisweni kwempahla yakho.

Ukuhlinzekwa kwempahla kunganikeza umshuwalense ekuphakameni futhi. Uma unemali engasetshenziswanga, futhi nezinga lenzalo yemali ebolekwayo eguquguqukayo likhuphuka kakhulu, bekungeke kube ngumqondo omubi ukunciphisa ingxenye kathishanhloko.

Esinye isimo kungaba ngesomuntu ofuna ukulawula izindleko zakhe, nokuthi kube ngaphansi kokuphepha kokwazi kusengaphambili ukuthi bazokhokha ini. Ngale ndlela, imali mboleko engaguquki kungaba ukukhetha okuhle.

Ukuthambekela okungokomzwelo engozini

Uma singabantu ukunganaki ubungozi, ukubolekwa kwemali elinganiselwe kungaba yindlela engcono kakhulu. Ikakhulukazi uma sibona izindaba kuthelevishini ukuthi amanani enzalo azokhuphuka, futhi azothinta imali ebanjisiwe ekhonjiswe e-Euribor. Ngokuphambene nalokho, uma lezo zindaba zingasenzi sishaywe uvalo, futhi sicabanga ukuthi ukusikeka esikhathini esizayo e-Euribor kungenzeka futhi ngaleyo ndlela kusizuzise ekubanjweni kwemali yethu, ukuguquguquka kungaba yindlela engcono. Ngaphezu kokuba ngamaphesenti aphansi kunesilinganiso ngesikhathi sokusayina.