Izindleko zemboleko?

izimali zokukhokha

Izimali ezibolekwa ngomunye wemikhiqizo yasebhange ehlanganisa izindleko eziningi ekuphathweni kwazo. Ngenxa yenani elifunwayo elizobuyiselwa nezintshisekelo zalo ezihambisanayo, kukhona ezinye ngokuvamile ezingabalwa kuzo. Kepha lokho ngaphandle kokungabaza ukuthi kuzokwenzeka kuzokhuphula izindleko zokugcina yalezi zindlela zokuxhasa ngemali ukuthenga ikhaya. Ngisho abanye babo ngeke bahlangane nempahla ebolekiswayo uqobo, uma kungenjalo ngezinqubo zayo zokuphatha. Kuze kufike ezingeni lokuthi ngeke usaba nenye indlela ngaphandle kokukhokha phakathi kuka-2% no-5% wemali ebhajethiwe.

Izimali ezibolekwa ngokungemthetho, ngokungafani nolayini obujwayelekile besikweletu, zikhiqiza uchungechunge lwezinkokhelo ezidlula ukwenziwa kwazo ngokusemthethweni nje. Kungakudalela okunye ukwesaba lapho ubhekene nokwenziwa kwayo ngaphambi kwesikhungo sezezimali. Ngalesi sizathu esiqondile, kubaluleke kakhulu ukuthi wazi izindleko ezivela ekuqashweni kwakho. Ukuze ngale ndlela, ungabi nayo ukumangala okungekuhle uma sekusayinwe imalimboleko yempahla ebanjiswayo. Ngoba kwezinye izimo, ingahle iqondise kabi isabelomali onaso unyaka nonyaka.

Kulesi simo esivamile, kuzoba lula kakhulu kuwe ukuthi uhlaziye ukuthi imali yakho izoshonaphi lapho uyothenga indlu noma ifulethi. Ungacabangi ukuthi kuzofanele ukwenze kuphela khokha inzalo, ngoba akunjalo ngempela. Izimalimboleko ezibanjiswayo ziveza izindleko ezisatshalaliswa ngochungechunge lwezigaba ezahlukahlukene kakhulu futhi okwenza lo mkhiqizo wezezimali ube ngomunye onwebisa kakhulu emakethe yezezimali. Ngalo mqondo, azihlangene nakancane nomthengi noma imalimboleko yomuntu siqu. Kuzoba khona umehluko ocacile okuzodingeka ukuthi uwubheke kusuka manje.

Inkontileka yokubambisa ngempahla: amakhomishini

amakhomishana

Vele, amakhomishini yinto yokuqala ezodinga i- umzamo omkhulu wezomnotho kwakho. Lezi zinhlobo zemali zingaba ngezinhlobo ezahlukahlukene, yize zingasetshenziswanga ngokuphelele kuzo zonke izimo. Lokho kokutadisha, ukuvulwa, ukubekwa ngaphansi kwesivumelwano noma ukukhanselwa kusenesikhathi okunye okuvame kakhulu ekuthengisweni kwayo. Ngenani elihluka ngokuya ngesiphakamiso sebhange ngalinye, kepha ngokuvamile liphakathi kuka-0,5% no-2% wenani elifunwayo. Ngalo mqondo, kuzobaluleke kakhulu ukuthi uzazise ukuthi yimaphi amakhomishini afaka nemali ozoyibambisa.

Kunoma ikuphi, ngalesi sikhathi futhi ngenxa yentengo eshibhile yemali, kuvame kakhulu ukuthi kubanjiswe imali entsha yokubambisa ikhululiwe kule nkokhelo. Njengoba zimakethwa mahhala ngalezi zimali zasebhange nangokusabalala okungcono uma kuqhathaniswa neminye iminyaka. Ukufika lapho kunikezwa imali mboleko yamanje ungathola imigqa yesikweletu yalezi zici ngaphansi kwe-1%. Lokhu kungenye yemiphumela emikhulu yebhentshimakhi yaseYurophu, i-Euribor, esezingeni eliphansi ngokomlando. Ngokuqondile esimweni esingesihle futhi kufakwe kuhlu ezimakethe zezezimali ku- -1,62.

Ucabanga ukuthi kungakanani?

Njengomphumela wesicelo sayo, amakhomishini wezezimalimboleko angakhipha ukwanda kwemali ozodinga ukuyaba ukwanelisa ukuthengwa kwekhaya. Njengomhlahlandlela, wemali mboleko ye-100.000 euro, kuzosho ukuthi a izindleko ezingeziwe zama-euro angama-2.000 okufanele uyicabange lapho usayina inkontileka nebhange. Akuwona wonke amakhredithi afaka izindleko ezifanayo, kepha kufanele ubheke imodeli ebanzi kakhulu kulolu hlobo lwezindleko.

Ngakolunye uhlangothi, futhi ngokuzikhethela, kukhona nezindleko zokuthenga umshuwalense wasekhaya. Hhayi ngeze, kuzokusiza kukuvikele ezimeni ezingase zivele ezingaba khona. Isibonelo, ukulimala kwamanzi, ukuphuka kwengilazi noma ukulimala komuntu wesithathu. Kunoma ikuphi, inqubomgomo okuzoba yimpoqo kuphela inqubomgomo yezomlilo. Ngezindleko zaminyaka yonke eziphakathi kuka-100 no-500 kuya ngokutholakala okufakiwe kulo mkhiqizo. Konke okunye akudingeki ukubhalisa kwakho. Ngaphandle kokuthi kuyisidingo ukwehlisa inani lenzalo elizosetshenziswa kuwe kulo mkhiqizo wezezimali.

Izinqubo zokuphatha: izindleko eziningi

ukuphatha

Ungacabangi ukuthi ngalezi zindleko engizichazile kuze kube manje ukukhokhelwa okuzodingeka ukuthi ukwenze nganoma iyiphi imali ebanjelwe ebanjisiwe iphelile. Ngoba akunjalo, ngoba badinga uhlobo olukhetheke kakhulu lwabaphathi nokuthi sizokuchazela kusuka manje. Zonke zithathwe ku- izinqubo zokuphatha noma izinqubo kuxhunyaniswe nokuthengwa kwempahla futhi okuhlale kudingekile ukwenza ngokusemthethweni. Enye yezinto ezibaluleke kakhulu yindawo yokukhomba emibhalweni. Ngokusebenzisa amamodeli ahlukahlukene njengalawo akhonjiswe ngezansi.

  • El isivumelwano sokuthenga noma ukufaka idiphozi: kuyadingeka ukuthi impahla idlulisele kumnikazi omusha futhi lokho kufanele kwenziwe kube semthethweni ngaphambi kwehhovisi lommeli olungisa izivumelwano.
  • Itayitela lendlu: kulokhu, isidingo sakho sokuyisayina sizovela eqinisweni lokuthi ngesinye sezidingo eziyisisekelo ukuvikela amalungelo akho njengomthengi.

Kuzona zozimbili lezi zimo, awunakuzikhethela ngaphandle kokuya kummeli olungisa izivumelwano ukuze uzotholakala kanye neminye imibhalo. Kunoma ikuphi, kuzoba ngomunye umthombo wezindleko lapho uthenga ifulethi. Yize kulo mcimbi, izimali zama-notari zabiwa ngokukhululekile. Kodwa-ke, ngokusebenza okujwayelekile kuzoba nokukhishwa okuzohluka phakathi kwama-euro ayizi-400 kuya ku-1.000 XNUMX.

Ezinye izindleko ezengeziwe

Kukhona nolunye uchungechunge lwezinkokhelo ongeke ube nesinye isixazululo ngaphandle kokuziqedela ngesikhathi sokuqala ukusebenza kwempahla. Ngokuyisisekelo zihlobene nokuphathwa kokuphathwa kwale nqubo eyinkimbinkimbi. Vele, ngeke kube yimali ebanga kakhulu, kepha kuzokusiza ukuthi ukhulise isabelomali ozodingeka usabele kulesi sidingo senhlalo. Okunye okubaluleke kakhulu esikhulume ngakho ngezansi.

  • Ukubhaliswa kwempahla: Akufanele ukhohlwe noma ngoba kuphoqeleke ngokuphelele ukuthi ubhekane nesichasiselo sokusebenza kwakho kwiRegistry Property. Hhayi ngeze, kuzoba ngumbhalo ozokusiza ukufakazela ukuthi ekugcineni ungumnikazi omusha wale mpahla ebonakalayo. Izindleko zalaba baphathi zizohlala zingaphansi kwama-euro angama-700. Ngomthelela omncane kunani eliphelele lomsebenzi noma okwenziwayo kwezomnotho.
  • Izindleko zokuphatha: kuyinsizakalo yezobuchwepheshe ezophatha ukuxhumanisa zonke izigaba zenqubo ezibandakanya ukutholwa kwempahla yangempela. Ngaphansi kwemali engakaze ilungiswe, uma kungenjalo, kunalokho, kuzoya ngesivumelwano osifinyelela ne-ejensi. Noma kunjalo, ngeke kukubize ngaphezu kwama-euro angama-300 noma ama-400. Ngenzuzo ezothuthukisa ukuthi inqubo ingenziwa ngezinsizakalo zabo.

Izinhlawulo: ikakhulukazi ukwephulwa

ukukhokha

Kunolunye uchungechunge lwezindleko ezifanele kakhulu olwenziwa kuphela uma wephula ezinye izigaba zesivumelwano. Njengesibonelo, uma uthatha isinqumo ukhokhe isikweletu sakho kusengaphambili imali ebanjiswayo. Ungaphoqeleka ukwenza le misebenzi, kepha wazi ukuthi ibhange lizofaka ikhomishini kuwe ngokukhokha isikweletu kusenesikhathi. Imvamisa bakukhokhisa phakathi kuka-1% no-2% enanini osele ukulibuyisa.

Kunoma ikuphi, uzodinga ukubheka ukuthi ngabe lokhu kuhamba kuzoba nenzuzo. Ngoba hhayi kuzo zonke izimo kuzoba lula ukuthi ukwenze ngaphansi kwale mibandela. Lapho iphesenti lakho lizoba yinto engadala ukuthi izindleko zemalimboleko yezindlu zikhuphuke ngendlela engenasidingo ngokuphelele. Phakathi kwezinye izizathu, ngoba ungashintsha imali ekhokhwa nyangazonke ukuzivumelanisa nezidingo zakho zangempela njengomsebenzisi. Ngaphandle kwesidingo sokukhansela ngaphambi kwesikhathi imali ebanjisiwe ngaphansi kwenhlawulo enzima.

Imali eningi kunokulindelekile

Njengoba uzobe uqinisekisile, ukunikezwa kwale migqa yesikweletu kuzokuholela ezimfunweni ezinkulu kwi-akhawunti yakho yokuhlola kunalokho obekulindelwe ekuqaleni. Kwezinye izimo, ungabagwema, kepha iningi labo kuzongezwa inzalo ezosetshenziswa esikhungweni sakho sezezimali. Kumazinga anikezela ukwehluka okukhulu, ngokuya ngezidingo zabasebenzisi. Kunoma ikuphi, kuzoba kokunye okungaphezu kwe- amaphuzu amahlanu wamaphesenti maqondana nezibikezelo zokuqala.

Lawa ngamanani okuzofanele angezwe enanini elibandakanyekile ekutholeni imali mboleko. Ngokwakamuva okuhlinzekwe yiNational Institute of Statistics (INE), kuyakhonjiswa ukuthi isilinganiso semali ebolekiwe ebhaliswe kumarejista ezakhiwo ngoDisemba (kusukela kuzincwadi zomphakathi ezenziwa phambilini) I-137.955 euro, 5,5% ngaphezulu kunangenyanga efanayo ka-2016.

Esinye sezibalo ezifanele kakhulu eziqinisekisa lo mkhuba ukuthi inani lemali ebolekiswe ngemali esezindaweni ezisemadolobheni lifinyelela kuma-euro ayizigidi ezingama-3.722,0, okungu-1,9% ngaphezu kukaDisemba 2016. Kwezindlu, imali ebolekisiwe ifinyelela ezigidini ezingama-2.391,1, ngokunyuka konyaka kuka-2,6 %. Lapho kuzofanele sengeze khona izindleko ezikhiqizwa lo mkhiqizo. Njengoba ubonile phambilini nokuthi izonciphisa ukuncintisana kuya ezimeni zayo.


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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.