Ingabe kufanelekile ukungena esikweletini ukuze ubhalise imali ebanjiswayo?

Okuthile kuyashintsha esimweni sempahla ebanjiswayo kazwelonke ezinyangeni ezedlule, okubuswa ukungena komthetho omusha wempahla ebanjiswayo kanye nokwehla komnotho. Kulesi simo esijwayelekile, kujwayelekile ukuthi abasebenzisi abaningi bamabhange bazibuze ukuthi kufanele yini ukungena esikweletini ukuze uthathe imali yokubambisa njengamanje. Ukuze uthenge ikhaya elingasebenza njenge ifomula lokutshala imali kunikezwe ukungabaza okuphakanyiswe izimakethe zemali engenayo ezingaguquguquki nezishintshashintshayo kulo nyaka esisanda kuqala nje.

Ngoba ngokuvumelana nayo inokuthi intengo yemali iyaqhubeka kumlando ophansi e ube ku-0% endaweni ye-euro. Lokho kusho ukuthi, ngaphandle kwenani futhi ngakho-ke kuvuna ukuthi izintshisekelo zemalimboleko manje sezincintisana kakhulu kuneminyaka embalwa edlule. Lapho ungonga khona ama-euro ambalwa ngenyanga ekusebenzeni okusayinwe nesikhungo sezezimali. Ngokwalokhu kubuka uma le nhlangano yasebhange izuzisa futhi kungashiwo ukuthi kufanelekile ukuboleka ukusayina imalimboleko yempahla ebanjiswayo.

Kunoma ikuphi, kuguqulwa imikhuba yenkontileka njengoba kunenkambiso yokuthola imali mboleko kuxhunyaniswe nemali engenayo engaguquki imali engenayo engaphezulu. Lokhu kungenxa yokuthi kunokungabaza okuningi ngalokho okungenzeka kusukela manje kuqhubeke. Enkolelweni yokuthi amazinga wenzalo angakhuphuka eminyakeni ezayo nokuthi kungemuva kwakho konke okugqugquzela lokhu kudluliswa kwesidingo semali mboleko yokuthengwa kwefulethi. Akucatshangwa ukuthi isimo sizoqhubeka njengakule minyaka ekhululekile kakhulu yokwenza isivumelwano semalimboleko yalezi zici.

Imali ebanjwayo: I-Euribor ihlala okungenani

Omunye wemithombo yokukhomba yokwenza lesi sinqumo useqinisweni lokuthi inkomba yesethenjwa yaseYurophu kungenzeka yenzani ngokuthola isivumelwano semali mboleko. Futhi ngalo mqondo, imininingwane esekelwa yiNational Institute of Statistics ayinikezi ukungabaza kubafakizicelo balo mkhiqizo wezezimali: i-Euribor iyisilinganiso iphesenti eliphakeme kakhulu lemali ebanjisiwe ebhekiswe kuyo. Kepha ngaphandle kwakho konke a ukukhathala okuncane ekuguqukeni kwayo ikakhulukazi maqondana neminyaka edlule. Lapho kungashiwo khona ukuthi ibiphethe imakethe yezezimali ngempahla ngokucaca konke.

Kulesi simo esivamile, kufanele kuqashelwe ukuthi le nkomba yokuthola imali ebolekiwe yokuthengwa kwempahla enhle izoqhubeka komunye unyaka ku isimo esingesihle. Yize okunye okuhluke kakhulu yilokho okungenzeka eminyakeni embalwa futhi yilokho okwenza ukuthi imali mboleko yemali engaguquki ibuyele entshisekelweni yengxenye enkulu yabasebenzisi basebhange. Kumele kugcizelelwe ukuthi umbono wochwepheshe ubona ukuthi ngeke kube khona ushintsho olukhulu olweqa umthetho we-ECB. Ukuze ngale ndlela, ibhentshimakhi eyinhloko yemali ebolekiswayo ingabuyeli ngaphezulu kuka-zero

Kuzo zonke izikhathi eziphansi

Akunakulibaleka ukuthi maphakathi nonyaka i-Euribor yehlele ezansi ngokuphelele futhi ngokuhamba kwesikhathi, ezinyangeni ezedlule, yaqala kabusha inkambo yayo ebheke phezulu, yize yayiqukethwe ngendlela equkethwe kakhulu. Ukugcina ekugcineni lo nyaka osehambile ngo -0,263. Ngalawa mazinga uma ukusayinwa kwalokhu kusebenza kungenziwa kube nenzuzo enkulu ngoba sizobe songa imali eningi ekukhokheni nyangazonke kwalolu hlobo lwesikweletu. Kuze kube seqophelweni lokuthi kusho ukuthi kufanele uboleke ukuze ubhalise isikweletu sendlu njengamanje. Kepha kuphela kulezi zikhathi, okunye okuhlukile yilokho okungenzeka eminyakeni embalwa ezayo.

Mayelana nezibikezelo zayo, kufanele kuvezwe ukuthi i-Euribor ngo-2020 izoba cishe -0,22 futhi, ngo-2021, okuzoholela ezindlekweni eziphansi zemalimboleko yamanani eguquguqukayo ebuyekezwa engxenyeni yokuqala yonyaka. Lokhu kungaba ngomunye umuntu ovumayo ukuthatha lesi sinqumo kulezi zinsuku zokuqala zonyaka futhi kuzoba yisiqinisekiso salolu hlobo lwesikweletu oluzoba khona futhi lutshalwe ngezitini eminyakeni embalwa ezayo. Ngenkambiso okwamanje engakenzanga ushintsho olukhulu futhi edala lolu chungechunge lwezinyathelo okufanele zithathwe lapho ungena enkampanini yemalimboleko yempahla.

Izinga lenzalo ekubanjweni kwemali mboleko

Okunikezwayo ukuthi izikhungo ezikweletisa ezikhiqizayo kuhlinzeka ngemali mboleko eshibhile, nomehluko phakathi kuka-1% no-2%. Kepha into ezuzisa kakhulu abafaka izicelo zalo mkhiqizo ukuthi uthengiswa ngaphandle kwamakhomishini noma ezinye izindleko ekuphathweni nasekugcinweni kwawo. Ngamanye amagama, zishibhile esikhathini esifushane futhi lezi yizindaba ezinhle kakhulu kubafakizicelo. Kunoma ikuphi, sekuvele kunzima kakhulu ukuthola imali mboleko yokuthengwa kwendlu enomehluko ongaphansi kwe-1%, njengoba beyinjalo eminyakeni emibili noma emithathu edlule.

Esinye sezici esivelele kakhulu esenziwe yimakethe yezindlu ezibolekwayo sibambe kancane ezinyangeni ezedlule ngenxa yezimpawu ezingezinhle zomnotho wamazwe omhlaba. Lapho kubonakala khona ukuthi lo mkhuba uzogcizelelwa ezinyangeni ezizayo futhi ikakhulukazi kusukela ngonyaka wezi-2021. Lapho kulindeleke khona ukuthi kuguqulwe umbono emgomweni wezimali we-European Central Bank (ECB), kukhuphuke intengo yemali. Ngokwalesi sizathu. Akumangazi ukuthi ukukhula kwenkampani ebolekisa ngemali kulo nyaka okusishiyile kube ngu-0,1% omncane. Ngamanye amagama, ukuthengwa kwempahla ebanjiswayo kungazuzisa njengamanje nangesikhathi esifushane, kepha hhayi esikhathini esimaphakathi nesikhathi eside futhi ngenxa yalesi sizathu ukumiswa kwesidingo sayo kubonakala kumininingwane yakamuva esemthethweni.

Ngenkathi ngakolunye uhlangothi, singekhohlwe ukungabaza okungalethwa yimali ezimakethe zezimali. Ngoba imali engenayo engaguquki ayenzi nzuzo okwamanje njengamamaki wokulamula angafinyeleli ku-1%, kanti imikhiqizo ye-equity inikeza ukungabaza okuningi ngenxa yokungazinzi kulezi zimakethe zezezimali. Kufika ezingeni lokwesaba ukuthi bangalahlekelwa yingxenye yemali yabo etshaliwe kulokho okungenzeka ngalezi zimpahla zezimali.  

Inani lempahla ebanjwayo liwela ku-2,1%

Inani lemalimboleko ebolekwe emakhaya ingama-29.691, 2,1% ngaphansi kunango-Okthoba 2018, ngokusho kwedatha yakamuva enikezwe yiNational Institute of Statistics (INE). Lapho kukhonjiswa khona ukuthi isilinganiso semali singama-euro ayi-129.237, ngokunyuka okungu-1,1%. I- inani elijwayelekile wemali ebolekiwe isamba sezakhiwo ezibhaliswe kumarejista ezindlu ngo-Okthoba (kusuka kuzenzo zomphakathi ezenziwa phambilini) kungama-euro ayizigidi ezingama-147.338, u-4,2% uphakeme kunenyanga efanayo ngo-2018. ifinyelele kuma-euro ayizigidi ezingama-5.671,1, u-0,9% ngaphansi kuka-Okthoba 2018. Kwezindlu, imali ebolekisiwe inkulu yafika ezigidini ezingama-3.837,2, ukwehla minyaka yonke kuka-1,1%.

Imininingwane ehlinzekwe yiNational Institute of Statistics (INE) iphinde iqinisekise ukuthi kumakhokhi okubambisa akhokhelwa kuzo zonke izakhiwo ngo-Okthoba, isilinganiso senzalo esimaphakathi ekuqaleni singama-2,42% (6,0% ngaphansi kunango-Okthoba 2018) kanye nesikhathi esimaphakathi seminyaka engama-23 . Ama-57,1% wemali mboleko isezingeni lenzalo eguquguqukayo kanye nama-42,9% ngesilinganiso esimisiwe. Lapho isilinganiso senzalo esimaphakathi ekuqaleni singu-2,09% wemali mboleko yamanani eguquguqukayo (11,2% ephansi kunango-Okthoba 2018) kanye no-3,02% wemali mboleko yamanani amisiwe (1,4% aphansi). Ezimalini zokuboleka imali yasekhaya, isilinganiso senzalo esimaphakathi singu-2,50% (5,0% ngaphansi kunango-Okthoba 2018) kanti isikhathi esimaphakathi yiminyaka engama-24.

Inzalo eguqukayo iyehla iye ku-79,2%

Ama-54,7% wemali mboleko yasekhaya isezingeni eliguqukayo kanye no-45,3% ngesilinganiso esimisiwe. Izinga lenzalo emaphakathi ekuqaleni lingu-2,17% wemali mboleko yasekhaya isilinganiso esiguqukayo (ngokuncipha kuka-10,2%) no-3,02% wezinga elihleliwe (0,1% ngaphezulu). Ngenkathi ekugcineni, imininingwane ye-INE ikhombisa ukuthi kwababolekisi abangu-4.584 abanezinguquko ezimweni zabo, ama-35,0% kungenxa yezinguquko kumazinga wenzalo. Ngemuva koshintsho ezimweni, iphesenti lemali mboleko yenzalo engaguquki lenyuke lisuka ku-13,0% laya ku-19,7%, ngenkathi leyo yemalimboleko yenzalo eguquguqukayo yehle isuka ku-86,3% yaya ku-79,2%. I-Euribor yisilinganiso lapho iphesenti eliphakeme kakhulu lemali mboleko eguqukayo libhekisa kuyo, kokubili ngaphambi koshintsho (77,1%) nangemuva (76,2%).

Okunikezwayo ukuthi izikhungo ezikweletisa ezikhiqizayo kuhlinzeka ngemali mboleko eshibhile, umehluko phakathi kuka-1% no-2%. Kepha into ezuzisa kakhulu abafaka izicelo zalo mkhiqizo ukuthi uthengiswa ngaphandle kwamakhomishini noma ezinye izindleko ekuphathweni nasekugcinweni kwawo. Ngamanye amagama, zishibhile esikhathini esifushane futhi lezi yizindaba ezinhle kakhulu kubafakizicelo.


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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.