Amathrendi wemali mboleko ongayithola

Izimali ezibolekwe ngempahla zishintshile, ngabe ufuna ukwazi ukwehluka kwazo?

Ukuvuselelwa kabusha komnotho waseSpain, ngokukhula koMkhiqizo Wekhaya Omkhulu (GDP) cishe 3%, ihola futhi ukuvuselela imakethe yezezakhiwo. Imindeni inamathuba amaningi okuthi isayine imali ebolekiwe ukuze ikhokhele ukuthenga kwayo ekhaya. Futhi ukusebenzisa iqiniso lokuthi i-European benchmark index, edume kakhulu nge-Euribor, - lapho iningi lemali ebanjiswa ngayo imali - isezingeni eliphansi ngokomlando, ime ku-0,51% ekupheleni konyaka.

Ebhekene nesimo sokuhlangana, abekho abasebenzisi abambalwa abavulelekile ekubhaliseni imali mboleko yempahla ezinyangeni ezizayo. Kodwa-ke, kufanele bakwazi lokho le mikhiqizo yasebhange ayisalawulwa yimibandela yenkontileka efanayo njengeminyaka embalwa edlule. Bashintshile, uma kungenjalo ngokweqile, uma okungenani uzibuze ukuthi bazokuthinta kanjani ngenkathi uxhasa lelo flethi obelithanda kakhulu, futhi ufuna ukuthi libe yimpahla ukuze uzakhele kulo.

Izimali ezibolekwa ngemali ziyakhiwa ngaphansi kokwehliswa kwezintshisekelo ezisebenza kubafakizicelo bazo. Kepha cabanga ukuthi lo mkhuba ngeke uhlale impilo yonke, noma ngabe kuncane ngemigomo yokukhokha le mikhiqizo eyivezayo, futhi nganoma yisiphi isikhathi izinkokhelo zakho zanyanga zonke zingakhuphuka. Ngalo mqondo, akufanele ukhohlwe ukuthi ibhange elikhipha iYurophu lingahluka kunqubomgomo yalo yezimali - njengoba kwenzekile e-United States - futhi lisike umkhuba wemali eshibhile yazo zonke izinhlobo zemalimboleko.

Kumele kukhunjulwe ukuthi amanani enzalo endaweni ye-euro cishe awaziro, okusiza kakhulu ukuxhasa ngezimali ezimweni zamanje. Vele, imali ebolekwa ibiza kancane, futhi ngenxa yalo mkhuba wamanje, kuzofanele ukhokhe izitolimende ezandayo ezinyangeni zonke. Lesi simo lapho sisebenza siyosho ukuthi uzokonga ama-euro amaningi ngonyaka, futhi ukuze usiqinisekise ngakho konke ukunemba kwawo kuzodingeka usebenzise isibali. Izindaba ezimnandi, ngaphandle kokungabaza, ngezintshisekelo zakho, futhi lokho kukusondeza ekwakhiweni okuseduze komkhiqizo.

Izipesheli amabhange eziphakamisa zona

Amabhange athuthukise imali ebolekiwe entsha ukuze ukwazi ukuthenga ikhaya lakho elisha

Isimo semalimboleko yempahla osazobhekana nayo kusuka manje kuqhubeke sishintshe kakhulu uma kuqhathaniswa neminyaka edlule. Hhayi ngemibandela abayivezayo kuphela, kepha futhi nangombono wokuklanywa kwabo yizikhungo zezezimali. Akumangalisi ukuthi ukwenziwa kwayo ngokusemthethweni kuzokuvulela izimfuno ezintsha, ikakhulukazi enye indlela ephathelene nalo mkhiqizo okuhloswe ngayo ukuxhasa ukuthenga ikhaya.

Kuzoba kubaluleke kakhulu ukuthi ukubheke lokhu ngesikhathi esifanele sokusayina inkontileka, futhi usebenzise amathuba athile ukuze izimo zithengeke kakhulu ezifisweni zakho zokubhalisela lo mkhiqizo wasebhange. Ukuyonikela ngamabhonasi lapho ubudlelwano bakho nebhizinisi bukhulu, futhi ngale ndlela, gcina ingxenye encane yezindleko ozodinga ukubhekana nazo lapho uthuthukisa ukusebenza kwe-real estate.

Ukukusiza ukuthi ulungiselele lo msebenzi, kule ndatshana uzoba nazo zonke izihluthulelo zokwazi ngokuqinile ukuthi zinjani lezi ziteshi zesikhathi eside zokuxhasa imali. Njengomphumela waleli su, Kuzoba lula ukuthi uziqashe, uzivumelanise nezidingo zakho kanye nezinga leholo onalo njengamanje. Kepha okubaluleke kakhulu ukuthi okungenani uzoba nombono ophathekayo ngohlobo lomkhiqizo ozowuthola uma ufuna ukukhokhela leyo ndlu oyithandile kakhulu ngolunye usuku.

Izikhathi ezibekiwe ezimfushane

Izimalimboleko ezibanjelwe efeni, ebezicabanga ngemigomo yokukhokha ende ngokweqile, seziphelile, aze afike ngisho eminyakeni engu-50. Futhi ukuthi kungenzeka zidluliselwe zisuka kumzali ziye enganeni kalula. Njengamanje yehliswe kakhulu, imvamisa banomkhawulo omkhulu eminyakeni engama-30, okuba nzima kakhulu ukukudlula. Konke lokhu njengecebo elenziwe amabhange uqobo ukuze izinga lesikweletu semindeni yaseSpain lingagudluki, futhi ngokuya ngezincomo zebhange elikhipha iSpain ekupheleni kweminyaka eyishumi edlule.

Ngalesi simo, manje usungakhokhela ukusebenza ngokushesha okukhulu, ngisho nabancane kunabo bonke, abanamagama afana nalawo atholakala kubazali babo. Futhi uma umbono wakho bekungukukhokha isikweletu semali eminyakeni engama-40 noma engama-45, khohlwa ngabo, ngoba cishe alikho ibhange elithengisa lezi mboleko ngaphansi kwalezi zici.

Abakhokhi lonke inani lefulethi

Enye indlela yokubolekwa kwemali entsha ukuthi sekunzima kakhulu ngabo ukuthola imali engu-100% yenani lesakhiwo, njengaphambilini. Manje bakhuphukela ku-80 noma i-85% yokusebenza, kepha kuyaqabukela ngaphezulu. Njengomphumela walo mkhuba wezohwebo, ngeke uze ukhethe kodwa ukunikela ngemali ethile lapho uzokwamukela okhiye befulethi elisha. Uma ungenayo imali eyenzelwe le nhloso, ungaqala ukuyilungiselela, ngoba ngaphandle kwalesi simo kuzoba inkinga kakhulu ukufeza izinhloso.

Futhi uma okufunayo kuyimali mboleko yekhaya lesibili, imali evela emabhange izokwehla kakhulu. Ngalo mqondo, kuzoba ngamakhasimende amancane azolimala ekushintsheni kwezimo zenkontileka. Futhi lapho kufanele okungenani babe nosizo lwabazali babo.

Inzalo ephansi

Imali eshibhile ikhiqize ukuthi izintshisekelo zemali mboleko ziphansi

Ngenxa yesilinganiso eshibhile saseYurophu, inzalo oyodinga ukuyithatha emsebenzini ngamunye yehliswe kakhulu. Esikhathini samanje esinikezwa amabhange ungathola imali ebanjwayo enenzalo exhunywe ne-Euribor esondele ku-1%, nokuthi ezimweni eziningi kwehliswa ukuheha inani elikhulu lamakhasimende, nokuvuselela umkhakha wezezakhiwo.

Kulokhu kwengezwa isu lokuhweba lokukhansela noma ukwehlisa amakhomishini akhona angalethwa yile mikhiqizo yasebhange (ukuvula, ukutadisha, ukukhokhelwa okuncane noma okuphelele, njll.). Ngaphandle kokukhohlwa ukuguquguquka okukhulu okunikezwe ngakho. Akusilo ize, kuya ngokuya kujwayelekile kuwe ukuthi ukhethe phakathi kwenzalo engaguquki noma okunye okuguqukayo, kuya ngezimo zemakethe, futhi-ke, iphrofayili oyivezayo kuhlelo lwakho lokusebenza.

Vula amabhonasi

Kepha uma ukunikezwa kwesibambiso samanje kufanele kuhlukaniswe ngesici esithile, akusikho okunye ngaphandle kokuthi ukuvuleleka kwabo ezithakazelweni zabo kuyancipha. Ngamabhonasi ahlinzekwa yizikhungo zezezimali, kuya ngezinga lokuxhumana onalo nebhange. Njengoba unemikhiqizo yasebhange ebhaliswe kakhulu (izinhlelo zempesheni, umshwalense, izimali zokutshala imali, imali yesikhathi ...) ukusabalala kuzoncipha kancane kancane. Futhi kuze kube ekugcineni ukuthola umkhiqizo wokuncintisana ngokwengeziwe.

Akukho kusweleka kwamanye amasu anolaka kunokuthuthukisa izimo zabo. nokuthi baphoqa ukuthi kufanele wenze isivumelwano nebhizinisi nomshwalense wasekhaya, kanye nezinye izinhlobo zezinqubomgomo. Kungaleso sikhathi kuphela lapho uzokwenza ukuthi ukhokhe imali encane kunalokho obekucatshangwe ekuqaleni. Yize ihlala inamamaki amancane kakhulu, ngaphandle kokufinyelela izaphulelo ezinhle kakhulu.

Ngamaholo angafuni kakhulu

Ngeke kusadingeka kakhulu kuwe ukuthi unikele ngeholo elikhulu

Yebo kunjaloUma kwenzeka ufuna ukuhambisa isicelo ukuze unikezwe imali mboleko yempahla, hamba ulungise amaholo akho (noma imali ejwayelekile) ngaphambili. Ngeshwa ngeke ube nesinye isixazululo ongasekelwa. Kepha ukuncishiswa kwamaholo abasebenzi baseSpain kuholele ukuthi amabhange athambise izimo zawo.

Awusadingeki ukwethula iholo elikhulu kakhulu lenyanga, kepha kusuka kuma-euro angama-2.000 kuzokwanela ukuthi isicelo sakho samukelwe. Kukhona ngisho nezinye izinhlangano - zimbalwa kakhulu okwamanje - lezo ezisezingeni eliphansi ziye kuma-800 noma i-1.000 euros. Futhi lapho ama-mileuristas angazuza khona.

Noma kunjalo, njengawe ukukhokhelwa Ngokubanzi, amathuba okuthola isikweletu sendlu azokwanda kakhulu. Kufika ezingeni lokufinyelela okunikezwayo okuthakazelisa kakhulu, futhi lapho ungathola khona uchungechunge lwezinzuzo ezingeziwe. Hhayi ngeze, okusemuva kwamabhange ukuthi uyakusekela ukusebenza. Izinkontileka ezizinzile ezinokuncamela kunezohlobo lokugcina. Ngokuqondile kulokhu kokugcina, ukutholakala kwesiqinisekiso kuzodingeka ukwenza okufunwayo kwakho kusebenze.

Kunoma yikuphi, Uma kungenjalo, ungethula inkontileka engapheli, kuzoba ngcono ukucabanga ngezinye izindlela. Isikhungo sezezimali ngeke saneliswe yiminikelo yakho futhi ekugcineni kwenqubo izonikeza okuphikisayo okukhulu. Izokonakalisa ukukhohlisa kwakho, noma uzimele, noma kunalokho uthole ikhaya elingcono kunaleli ohlala kulo njengamanje.

Ukuvela kwesikweletu sempahla ebanjiswayo

Imininingwane yakamuva enikezwe yiNational Statistics Institute (INE) ikhombisa ukuthi phakathi nenyanga ka-Okthoba 2015, inani lemali mboleko etholwe eSpain lenyuke kakhulu. Ngokuqondile, inani eliphakathi lempahla ebhalisiwe kumarejista ezindlu ngo-Okthoba (kusuka kumthetho wangaphambili womphakathi) kwakungu-139.395 euros, 7,3% ngaphezulu kunenyanga efanayo ngo-2014. 19.195. Inani elilinganisiwe ngama-euros angama-111.711, ukwanda kwe-10,8%.

Amaphesenti angu-90,3% wemali mboleko eyenziwe ngo-Okthoba asebenzisa isilinganiso senzalo esiguqukayo, uma kuqhathaniswa no-9,7% wezinga elinqunyelwe. I-Euribor yizinga lesethenjwa elisetshenziswa kakhulu kumthethosisekelo wemali mboleko yenzalo eguquguqukayo, ikakhulukazi kuma-92,0% ezinkontileka ezintsha. Izinga lenzalo elijwayelekile ekuqaleni kwesibambiso sazo zonke izakhiwo ngu-3,11%, kanti isikhathi esimaphakathi siyiminyaka engama-21. Izinga lenzalo elijwayelekile, ekuqaleni, lemali mboleko eyenziwe emakhaya ingu-3,30%, 8,2% iphansi kunaleyo ebhaliswe ngo-Okthoba 2014.


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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.