Inani lempahla ebolekwayo emakhaya abhaliswe kumarejista ezindlu angama-31.018, 9,2% ngaphezulu kusilinganiso sonyaka. Le yimininingwane efanelekile ekhishwe kwimininingwane yakamuva enikezwe yiNational Institute of Statistics (INE). Okukhombisa futhi ukuthi inani eliphakathi kwalezi zimali ezibolekwe ngemali lenyuke ngo-2,9% futhi lama kuma-euro ayi-123.911. Ngenkathi ngakolunye uhlangothi, inani lemali mboleko eyenziwe emakhaya ingama-31.018, okungukuthi, i-9,2% ngaphezulu kunangoFebhuwari 2018.
Isilinganiso esilinganisiwe ngama-euro ayi-123.911, ukwanda kwe-2,9%. Ngenkathi inani lesibambiso semali ebolekiwe kumarejista ezakhiwo ngoFebhuwari (kusuka kuzenzo zomphakathi ezenziwa phambilini) kungama-euro ayi-163.487, ama-21,2% aphezulu kunenyanga efanayo ngo-2018. inani lenzalo yemalimboleko yezindlu, kulolu hlobo lwemikhiqizo yasebhange eyenziwe kumapulazi esewonke ngoFebhuwari, isilinganiso senzalo esimaphakathi ekuqaleni singu-2,64% (0,4% ngaphezulu kunoFebhuwari 2018) kanti isikhathi esimaphakathi yiminyaka engama-22. Lapho u-59,5% wemali mboleko isezingeni lenzalo eguquguqukayo kanye nama-40,5% ngesilinganiso esimisiwe.
Isilinganiso senzalo emaphakathi ekuqaleni ingu-2,32% yemalimboleko yezinga eliguqukayo (1,9% ephansi kunangoFebhuwari 2018) kanye no-3,32% wemali mboleko yamanani amisiwe (3,0% ngaphezulu). Ezimalini zokuboleka imali yasekhaya, isilinganiso senzalo esimaphakathi singu-2,62% (1,1% ngaphansi kunangoFebhuwari 2018) kanti isikhathi esimaphakathi yiminyaka engama-23. Ama-58,2% wemali mboleko yasekhaya isezingeni eliguqukayo kanye no-41,8% ngesilinganiso esimisiwe. Izimalimboleko zokulinganiselwa ezingaguquki zithole ukwanda kwamazinga minyaka yonke kwama-17,4%. Isilinganiso senzalo emaphakathi ekuqaleni singu-2,37% wemali mboleko emakhaya anezinga lokuntanta (ngokuncipha kuka-4,0%) no-3,05% wemali mboleko yamanani angaguquki (0,4% ngaphezulu).
Shintsha inani lemali mboleko
Imali mboleko enezinguquko ezimeni zezinga lenzalo yayo ingenye yemininingwane enikezwe yiNational Institute of Statistics (INE). Ngoba empeleni, kwemali mboleko engu-6.554 enezinguquko ezimweni zayo, ama-39,8% kungenxa yezinguquko kumazinga wenzalo. Ngemuva kokushintshwa kwezimo, iphesenti lemali mboleko yamanani amisiwe inyuka isuka ku-7,7% yaya ku-21,0%, ngenkathi leyo mali yemalimboleko yenzalo eguquguqukayo yehle isuka ku-91,3% yaya ku-78,2%. I-Euribor yisilinganiso lapho iphesenti eliphakeme kakhulu lemali mboleko eguqukayo libhekisa kuyo, kokubili ngaphambi koshintsho (82,1%) nangemuva (72,8%).
Ngalo mqondo, kufanele kugcizelelwe ukuthi inkomba yokulinganisa yaseYurophu, i- I-Euribor, iningi kusiginesha yemisebenzi eyenziwa ngezinga eliguqukayo. Ngokuya ngemininingwane enikezwe yiNational Institute of Statistics (INE), eminye imisebenzi yamazinga eguquguqukayo yenziwa ngalolu hlobo lwesethenjwa. Ngakolunye uhlangothi, ikhuphukile ezinyangeni ezisanda kwedlula kusukela kumlando wayo osezingeni eliphansi. Futhi lokho empeleni kusho ama-euro ambalwa ekukhokhweni kwezitolimende zanyanga zonke ngabanikazi balo mkhiqizo ukuthenga ikhaya. Ngethemba lokuthi lizoqhubeka nokukhuphuka ezinyangeni ezimbalwa ezizayo.
Imiphumela ngemiphakathi
Imiphakathi enenani eliphakeme kakhulu lemali mboleko eyenziwe emakhaya ngoFebhuwari Umphakathi waseMadrid (6.373), iCatalonia (5.448) ne-Andalusia (5.179). Imiphakathi lapho imali eningi inikezwa umthethosisekelo wokubolekwa kwemali emakhaya yiComunidad de Madrid (1.014,5 million euros), Catalonia (837,6 million) kanye neAndalusia (558,6 million). Imiphakathi Ezimele enezibalo eziphakeme kakhulu zonyaka zokushintshana kwemali enhlokodolobha ebolekiwe yi-Principado de Asturias (56,9%), iLa Rioja (41,3%) neCastilla - La Mancha (32,6%). Njengoba kuqinisekisiwe ngegagasi lokugcina elenziwe lasebenza yiNational Institute of Statistics (INE).
Imiphakathi Ezimele enezibalo ezihlukahlukane kakhulu zonyaka zokubolekwa kwemali yasekhaya kwakunguPrincado de Asturias (55,6%), uCastilla - La Mancha (43,1%) kanye neLa Rioja (39,3%). Ngokwabo, i-Illes Balears (–19,3%), iComunidad Foral de Navarra (–10,6%) neCantabria (-9,3%) iveze amanani amabi kakhulu ngonyaka. Ngalo mqondo, i- kwehluka okuqinile okukhona okwamanje kusuka kweminye imiphakathi ezimele iye kweminye. Ngaphandle kokunye ukucatshangelwa okuphathelene nokukhula komnotho wezwe futhi okungathinta ukunikezwa kwalolu hlobo lwesikweletu kubantu.
Izimali ezibolekwa ngokushintshwa kwerejista
Mayelana nenani eliphelele lemali mboleko enezinguquko ezimweni zayo ezibhaliswe kumarejista ezindlu ingu-6.554, 12,7% ngaphansi kukaFebhuwari 2018. Uma kucatshangelwa uhlobo lwezinguquko ezimweni, ngoFebhuwari ziyakhiqizwa Izilinganiso ezingama-4.914 (noma ukulungiswa okwenziwe ngesikhungo esifanayo sezezimali), ngokuncipha konyaka ngama-20,5%. Ngokwengxenye yalo, inani lokuthengiselana okushintsha ibhizinisi (ama-subrogations kumuntu okweletwayo) lenyuke ngama-26,3% kanye nenani lemali ebolekwayo lapho kwenzeke khona izimo ezimweni zabo. Njengesinye sezikhathi eziphindaphindwe kakhulu eminyakeni yamuva.
Esinye isici le mininingwane enikezwe yiNational Institute of Statistics (INE) esinomthelela omkhulu kuso ukuthi sithinta ukuvuselelwa kwemakethe yempahla ebanjiswayo eSpain. Lapho, futhi amabhange anqume ukuvula umpompi ukuze aqashwe ngabantu abafuna ukuthenga ifulethi ngalezi zikhathi eziqondile. Ngenengozi yokuthi izinga layo lesikweletu lingakhuphuka eminyakeni ezayo. Njengoba kwenzekile eminyakeni amanani entengo ebucayi bezomnotho ezungeze iminyaka ka-2007 nango-2008 i-real estate bubble eminyakeni elandelayo.
Ukushintshwa kwempahla
Ikhomishini yokukhansela, okumele ikhokhwe kubhizinisi elidala, imvamisa iba ngu-1% wemali elinde ukwehliswa futhi kufanele kubhekwe lapho kuhlolisiswa ukuthi kunenzuzo noma cha ukwenza ushintsho lwebhizinisi. Ngakolunye uhlangothi, ikhomishini ye-subrogation (ezokhokhelwa ibhange elisha futhi efaka izindleko ezifana nentela yezenzo zomthetho ezibhalwe phansi nezimali ezibhalisiwe) iphakathi kuka-0,5% no-1% wemalimboleko entsha ezoya ukuhlela ngokusemthethweni.
Amaphesenti amabhizinisi awangezayo kwi-Euribor ukusetha amanani awo wenzalo kumanani ebolekwa ngamanani eguquguqukayo ancishiswe kancane kancane ngemuva "kwempi" ekhishwe phakathi kwamabhange namabhange okonga, yingakho ukunikezwa okungcono kakhulu okungenzeka ukuthi kuqashwe. Amanye amabhange namabhange okonga - ikakhulukazi lawo akwi-Intanethi - ahlinzeka umehluko we-0,28%. Ngaphandle kwenani eliphelele elimbolekisiwe, okubanjelwe imali ekhokhwayo dlulisa ama-80% wenani elilinganisiwe lekhaya, yize kuya ngokujwayelekile ukuthola imikhiqizo emboza lonke inani layo. Esinye isici esithintwe yilolu hlobo lomkhiqizo wesikweletu ukwehla kwamakhomishini, okuthi ezimweni eziningi kwehliswe kube zero, kepha kuphela ezimweni zokuvulwa noma zokuphathwa.
Izimalimboleko zasekhaya ezabiwe
Olunye uhlobo lwemali mboleko engagcwali ngokweqile ngokunikezwa okukhona emakethe yasebhange yilokho okubizwa ngokuthi "izindlu ezabiwe", okuhloswe ngazo ukwakha indlu nabangani noma osebenza nabo, futhi okuqashwa kwabo kwenziwa ikakhulukazi yilabo bantu kufanele bahambe baye kwezinye izindawo beyofuna umsebenzi. Kulesi simo, amabhizinisi athile anqume ukuwethula ngomkhiqizo onenkathi yokukhokha efinyelela eminyakeni engama-40, kuthi i-10 ibe ubuncane, lapho i-100% yenani lesakhiwo lingakhokhelwa khona.
Umnikelo wawo omkhulu ukuthi unesikhathi esinqunyelwe senzalo esifinyelela eminyakeni eyi-10, kanye nethuba lokukhulisa noma lokunciphisa isitolimende semalimboleko ngokuya ngezidingo zalowo obhalisile. Umsebenzisi kuzodingeka futhi akhokhe u-1% njengekhomishini engaphambi kwesikhathi, kodwa hhayi esifundweni ngasinye. Yize okwamanje kungewona umkhiqizo okuzo zonke izinhlinzeko ngabakhiphi bemalimboleko yempahla ebanjiswayo. Uma kungenjalo, ngokuphambene nalokho, kwethulwa ngesikhathi esifanele nangaphansi kwezimo zenkontileka ezikhetheke kakhulu ezihlukile kumamodeli ajwayelekile kakhulu ngesikhathi sokutholwa kwempahla ye-real estate. Ngakolunye uhlangothi, akuyona into ejwayelekile emikhubeni yabasebenzisi bebhange. Uma kungenjalo, ikhula ngaphansi kwezici zayo ekufunweni kwale mikhiqizo yezezimali.
Amaphesenti amabhizinisi awangezayo kwi-Euribor ukusetha amanani awo wenzalo kumanani ebolekwa ngamanani eguquguqukayo ancishiswe kancane kancane ngemuva "kwempi" ekhishwe phakathi kwamabhange namabhange okonga, yingakho ukunikezwa okungcono kakhulu okungenzeka ukuthi kuqashwe. Amanye amabhange namabhange okonga - ikakhulukazi lawo akwi-Intanethi - ahlinzeka umehluko we-0,28%. Ngaphandle kwenani eliphelele elimbolekisiwe, okubanjelwe imali ekhokhwayo dlulisa ama-80% wenani elilinganisiwe lekhaya, yize kuya ngokujwayelekile ukuthola imikhiqizo emboza lonke inani layo. Esinye isici esithintwe yilolu hlobo lomkhiqizo wesikweletu ukwehla kwamakhomishini, okuthi ezimweni eziningi kwehliswe kube zero, kepha kuphela ezimweni zokuvulwa noma zokuphathwa.