Izinyathelo zokuthenga indlu

Thenga

Ukutholwa kwendlu kungumsebenzi obaluleke kangangoba ngeke ukwazi ukushiya noma isiphi isikhala ezandleni zokuphuculwa. Uma kungenjalo, kuzoba yi inqubo edinga ukuhlela okuningi kanye nezinga elithile lokuzinikela. Ukufika ephuzwini lokuthi uma ungaqondi noma iziphi izigaba zalo, ngeke ube nenye indlela ngaphandle kokucela usizo lochwepheshe abazosiza ekuphathweni kwalo: ummeli, umeluleki wezezakhiwo noma umphathi. Ngenhloso eyodwa futhi lokho akuyona enye ngaphandle kokwanelisa izinhloso zesidingo sakho. Ukwenza lo msebenzi ube lula, sikunikeza izincomo ezilula ngezinqubo okuzodingeka ubhekane nazo ukuze uqondise kahle izenzo zakho.

Uzodinga ukubala isabelomali onaso ukuze uvale ukusebenza. Yize kufanele ungene ujule kancane bese uhlaziya ukuthi uzokukhokha kanjani. Uma kungokheshi, ngokubanjiswa kwemali noma ngesisombululo esimaphakathi. Uma ukhetha noma isiphi kulezi ziphakamiso ezimbili zokugcina, uzophoqeleka ukuthi hlola nebhange lakho. Hhayi kuphela ukulinganisa uma bezokunikeza imali. Kepha futhi nokuqinisekisa inzalo oyodingeka uyikhokhe, uma imali mboleko yenzalo engaguquki noma eguquguqukayo izuzisa kakhulu.

Ukuvela kwe-Euribor kuzoba yindawo yokubhekisela ekukhetheni imodeli yezimali eyodwa noma enye. Njengamanje ime ku- - 0,095%, okuyizinga eliphansi kakhulu selokhu lasungulwa. futhi lokho kuzokusiza ekutholeni inzalo yokuncintisana kakhulu. Kuzoba futhi yisikhathi sokuqinisekisa ukuthi isikhathi sakho sokukhokha sizokuba yini kanye namakhomishini okubandakanya ukuqashwa kwakho.

Ukhiye wesibili: khetha indlu

Kulezi zinhlaka, uzobe ususesimweni sokuqondisa okufunayo nokuthi hlobo luni lwendlu olulungele wena. Izindlu ezintsha, ezingamasekeni noma ezivikelwe ngokusemthethweni. Ngaphezu kwalokho, kuzoba wusizo kakhulu hlola indawo okuyo. Kuzobaluleka ngokukhethekile ukuba nemininingwane ebaluleke njengokunikezwa kwezikole, izibhedlela, izitolo ezinkulu noma izithuthi zomphakathi indawo leyo enayo.

Iziteshi zokumaketha ozikhethayo nazo zizobaluleka kakhulu. Ngoba ngokuya ngokuthi bangabantu ngabodwa yini, ama-ejensi ezithengisa izindlu noma abagqugquzeli, ungaqhuba isu elilodwa noma elinye lokuxoxisana. Ukuvakashelwa emakhaya ngeke kube yingxenye ebaluleke kakhulu yale nqubo. Kuze kube seqophelweni lokuthi kuzodingeka ukuthi ubhale phansi ukuthi yiziphi izici ozithanda kakhulu futhi uncane. Kuyisikhathi ngisho sokwenza okusemthethweni okunikezwayo kwakho.

Ukubonisana nakho konke ukungabaza onakho. Kusuka kokuhlelekile futhi okuxhumene nokongiwa kwempahla kuye kokunye okufana ne izindleko zomphakathi wangakini noma uma unesitifiketi samandla. Futhi awukwazi ukukhohlwa ukuthi ungayenza kanjani indlu ibe ngeyakho, uma idinga izinguquko ezinzulu noma ukuthintwa okumbalwa nje emakamelweni.

Ukhiye wesithathu: ukusayina izinkontileka

isivumelwano

Isigaba esilandelayo sizoba nokwakha inkontileka nomthengisi echaza ngezinto ezibaluleke kakhulu endlini. Ngokuqondene nesibonelo, uma kumahhala noma kusetshenziswa izikweletu. Kuzobonisa nezindleko zomphakathi wangakini noma indlela yokukhokha lapho uzokwenza khona umsebenzi ube semthethweni. Bangabanye be- okuqukethwe kwenkontileka yokuthengisa ikhaya. Kuzofanele nokuthi usayine inkontileka yediphozi. Kubaluleke njengezenzo uqobo, ngoba phakathi kwezinto kuzokusiza ukuthi uvikele amalungelo akho njengomthengi. Ngaphezu kwalokho, kuzosebenza ukuqhubekisela phambili i-10% yokusebenza, njengesiqinisekiso esikhulu sezinhloso zakho.

Umzuzu wokugcina ufika lapho uzodinga ukusayina amatayitela ndawonye nomthengisi naphambi kommeli olungisa izivumelwano. Kuzoba ngumbhalo osemthethweni owenza ukuthengiselana kwezindlu kube semthethweni. Izici ezifanele kakhulu zendlu zizovezwa, njengencazelo yalo, intengo, indlela yokukhokha noma ukusatshalaliswa kwezindleko. Kusukela kulo mzuzu uzokujabulela ikhaya elisha ngokusebenzisa okhiye umthengisi azokunikeza khona.

Ngabe kufanele ngilawule imali ebanjiswayo?

Ukushintsha imali oyibambise ngemali oyisebenzisayo unezimo ezingcono zenkontileka kuyinto enengqondo futhi efiselekayo phakathi kwabasebenzisi balo mkhiqizo wezezimali. Ezimalini zokubambisa ze-6.043 ezinezinguquko ezimweni zabo, ama-40,7% kungenxa yezinguquko kumanani wenzalo, ngokusho kwedatha yakamuva evela ku-National Institute of Statistics (INE). Lapho kukhombisa khona ukuthi ngemuva koshintsho ezimweni, iphesenti lemali mboleko yamanani amisiwe lenyuka lisuka ku-10,2% laya ku-17,3%, kuyilapho lelo lempahla ebolekwa ngamanani eguqukayo kwehle kusuka ku-89,2% kuya ku-81,9% wamanje. Lokhu yilokho okubizwa ngokuthi yi-subrogation yokubambisa ngempahla.

Kulesi simo esivamile, isinyathelo sokuqala okufanele sithathwe ukufaka ngaphansi kwesikweletu sempahla yokubambisa ukuthola umkhiqizo omusha wezezimali othuthukisa kakhulu izimo zenkontileka zangaphambilini. Ngalo mqondo, ukunikezwa kwamabhizinisi asebhange kwenelisa impela lapho kucatshangelwa amamodeli ngokusabalala okungaphansi kwe-1%. Ngamanye amagama, inani lenzalo lingehliswa cishe ngephesenti elilodwa iphuzu maqondana nokubanjiswa kwemali okukhona manje. Lo mehluko ekusebenzeni ufinyelela ezinkulungwaneni eziningi zama-euro ezingasindiswa kusukela manje kuqhubeke.

Ukubanjiswa kwempahla

izimali zokukhokha

Esinye isici esizothatha isinqumo sokwenza lo msebenzi ngokusemthethweni kube ukucubungula ukuthi inkontileka yamanje inekhomishini yalezi zimpawu. Inani laso liphakathi kuka-0,25% no-0,75% kubhalansi esele futhi lifaka izindleko ezibaluleke kakhulu abasebenzisi kumele bacabange uma befuna ukushintsha imali yabo ebanjiswayo nganoma yisiphi isikhathi. Uma kwenzeka kufakwa le ndleko, ngeke kube khona okunye ongakwenza ngaphandle kokwenza izibalo ukukhombisa ukuthi iyanxephezela yini ukwenza okungaphansi. Ngalesi sizathu, isimo esikahle sokwenza lo msebenzi ukuthi imali ebanjisiwe ebanjisiwe ayikhokhelwe kulezindleko. Phakathi kwezinye izizathu, ngoba izosiza inqubo ukuthuthuka ngokuya ngokulindelwe okwenziwe abasebenzisi.

Izinkontileka ezibanjisiwe

Inani le Izimalimboleko ezibanjiswa ezindlini Kungama-31.018, 9,2% ngaphezulu kunangoFebhuwari 2018. Inani elilinganisiwe ngama-euro ayi-123.911, ngokunyuka okungu-2,9%. Isilinganiso semali ebolekiwe ebhaliswe kumarejista ezakhiwo ngoFebhuwari (kusuka kuzenzo zomphakathi ezenziwa phambilini) ingama-euro angama-163.487, ama-21,2% aphakeme kunayo leyo nyanga ka-2018.

Isigaba esilandelayo sale nqubo, esizohlaziywa, kuzoba ukuthola imali esele yemali mboleko yokuqala. Ngoba njengoba indala, imali ezokhishwa izobe isiningi kakhulu uma kukhona ikhomishini yokuzimela. Ukuze kufinyelele esiphethweni sokuthi lesi senzo asenzi nzuzo. Ngakolunye uhlangothi, kuzodingeka futhi ukuhlaziya ukuphrintwa okuhle kwenkontileka uma kungenzeka kube khona noma yiluphi uhlobo lwenhlawulo efihliwe yokwenza lo msebenzi wokubambisa.

Izindleko zalo msebenzi

izindleko

Ukuqinisekisa ukuthi i-subrogation inenzuzo, akufanele ukhawulele kuphela ezicini zobuchwepheshe zempahla ebanjisiwe. Kepha, kunalokho, kunezinye izindleko okufanele zicatshangelwe kusukela ngomzuzu wokuqala. Yilezo ezithathwe yi- ukwenziwa ngokusemthethweni kwempahla entsha ebanjiswayo futhi phakathi kwazo kukhona izindleko ze-notary ne-ejensi, ukubhaliswa kwempahla kanye nokuhlaziywa kwempahla, phakathi kokunye okufanele kakhulu. Akumangalisi ukuthi lezi zimali ezikhokhelwayo ngandlela thize zingakhansela izimo ezinenzuzo enkulu yesibambiso sesibili.

Ngakolunye uhlangothi, esinye isimo esingavela ukuthi umehluko phakathi kwenani eligciniwe ngenxa yokwehliswa kwempahla ebanjisiwe kanye nezindleko ezenziwe abaphathi bayo kuncane. Uma kunjalo, inzuzo yemisebenzi ngeke inikeze iziqinisekiso zokuyenza ezinsukwini ezizayo. Ukusuka kulesi sikhundla, akungabazeki ukuthi impendulo enengqondo kunazo zonke ukuthi xoxisana ngqo nebhange imibandela yesibambiso sempahla isivele inenkontileka. Ngokushesha nje lapho bethola izihloko zezindaba zabo, nakanjani bazokwenza lo msebenzi ube nenzuzo enkulu kunokuthi bawubeke ngaphansi.

Ukutholwa kwendlu kungumsebenzi obaluleke kangangoba ngeke ukwazi ukushiya noma isiphi isikhala ezandleni zokuphuculwa. Uma kungenjalo, kuzoba inqubo edinga ukuhlela okuningi nezinga elithile lokuzinikela.

Izinga lenzalo emaphakathi ekuqaleni lingu-2,32% wemali mboleko yamanani eguqukayo (1,9% ngaphansi kunangoFebhuwari 2018) kanye no-3,32% wemali mboleko yamanani amisiwe (3,0% ngaphezulu ngaphezulu). Ezimalini zokuboleka imali yasekhaya, isilinganiso senzalo esimaphakathi singu-2,62% (1,1% ngaphansi kukaFebhuwari 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).

El inani elijwayelekile wemali ebolekwayo ebhaliswe kumarejista ezakhiwo ngoFebhuwari (kusuka kuzenzo zomphakathi ezenziwa phambilini) ingama-euro ayizigidi ezingama-163.487, ama-21,2% aphakeme kunangenyanga efanayo ka-2018. phansi i-2,37%) no-4,0% wemali mboleko yamanani amisiwe (3,05% ngaphezulu).


Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

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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.