Okhiye bokwenza isivumelwano semali mboleko

Ukuthenga ikhaya kungumsebenzi obaluleke kangako empilweni yakho ukuthi ngeke ukwazi ukushiya isikhala sokuvuselelwa. Uma kungenjalo, kuzoba yi inqubo edinga ukuhlela okuningi kanye nezinga elithile lokuzinikela. Ukufika ezingeni lokuthi uma ungaqondi noma iziphi izigaba zayo, ngeke ube nenye indlela ngaphandle kokucela izinsizakalo zochwepheshe ukukusiza ekuphathweni kwayo: ummeli, umeluleki wezezakhiwo noma umphathi. Ngenhloso eyodwa futhi lokho akuyona enye ngaphandle kokwanelisa izinhloso zesidingo sakho. Ukwenza lula lo msebenzi, sikunikeza izincomo ezilula ezinyathelweni okufanele ubhekane nazo ukuze uhambise kahle le nqubo.

Ukuze lokhu kube njalo, kufanele ubale ukuthi siyini isabelomali onaso sokuvala ukusebenza. Yize kufanele ungene ujule kancane bese uhlaziya ukuthi uzokukhokha kanjani. Uma kungukheshi, ngokubanjiswa kwemali noma ngesisombululo esimaphakathi. Uma ukhetha noma isiphi kulezi ziphakamiso ezimbili zokugcina, uzophoqeleka ukuthi hlola nebhange lakho. Hhayi kuphela ukulinganisa uma bezokunikeza isicelo sezezimali. Kepha futhi nokuqinisekisa ukuthi iyiphi 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 ukuthi uthole inzalo yokuncintisana ngokwengeziwe kubambiso lwakho. Kuzoba futhi yisikhathi sokuqinisekisa ukuthi isikhathi sakho sokukhokha sizokuba yini namakhomishini okubandakanya ukuqashwa kwakho.

Ukhiye wesithathu: khetha impahla

Kule mingcele uzobe ususesimweni sokuqondisa okufunayo nokuthi hlobo luni lwekhaya olulungele wena. Izindlu ezintsha, ezingamasekeni noma ezivikelwe ngokusemthethweni. Ngaphezu kwalokho, izoba wusizo olukhulu kuwe hlola indawo okuyo. Lapho kuzoba ngokubaluleka okukhethekile ukuba nemininingwane ebaluleke njengokunikezwa kwendawo yezikole, izibhedlela, izitolo ezinkulu noma izithuthi zomphakathi.

Iziteshi zokumaketha ozikhethayo nazo zizobaluleka kakhulu. Ngoba ngokuya ngokuthi bangabantu ngabodwa yini, ama-ejensi ezithengisa izindlu noma onjiniyela, ungenza isu elilodwa noma elinye lokuxoxisana. Ukuvakashela emakhaya ngeke kube yingxenye ebaluleke kakhulu yale nqubo. Hhayi ngeze, kuzoba ukuqinisekiswa kwempahla oyifunayo. Ukufika ezingeni lokuthi kuzodingeka ukuthi ubhale phansi ukuthi yiziphi izici zendlu ozithanda kakhulu nokuncane. Kuyisikhathi ngisho sokwenza okusemthethweni okunikezwayo kwakho. Ukubonisana nazo zonke izinhlobo zokungabaza onakho. Kusuka kokuhlelekile futhi okuxhumene nokongiwa kwempahla kuye kokunye okufana ne izindleko zomphakathi wangakini noma uma unesitifiketi samandla.

Ukhiye wesithathu: ukusayina izinkontileka

Isinyathelo esilandelayo kuzoba ukwenza inkontileka nomthengisi echaza izinto ezifanele kakhulu zekhaya. Isibonelo, hlola ukuthi ingabe impahla ayikhokhiswa mali noma ukuthi kugcinwa yini izikweletu kuyo. Kuzokhombisa futhi nenani umphakathi womakhelwane ozokubiza ngalo noma uhlobo lokukhokha lapho umsebenzi uzokwenziwa khona ngokusemthethweni. Bangabanye be- okuqukethwe kwenkontileka yokuthengisa ikhaya. Uzodinga nokusayina inkontileka yediphozi. Kubaluleke njengokusebenza kwendlu uqobo ngoba, phakathi kwezinto, kuzokusiza ukuthi uvikele amalungelo akho njengomthengi. Ngaphezu kwalokho, izosiza ukuqhubekisela phambili i-10% yokusebenza.

Ukhiye wesine: ekugcineni ukubhala

Umzuzu wokugcina ufika lapho kuzofanele usisayine kanye nomthengisi naphambi kommeli olungisa izivumelwano. Kuzoba ngumbhalo osemthethweni oqinisekisa ukusebenza kwempahla yangempela. Kuphi Izici ezifanele kakhulu zempahla zizovezwa. Incazelo yayo, intengo, indlela yokukhokha noma ukusatshalaliswa kwezindleko kuzoba yingxenye yokuqukethwe kwayo. Kusukela kulo mzuzu ungajabulela ikhaya lakho elisha.

Buyisela emuva imali ebanjwayo

Kodwa-ke, akufanele uyidide nokuthi iyini imali ebanjiswayo. Kungumkhiqizo ohlobene kakhulu nokutshala imali kunokuthenga ikhaya. Bahlukile ngokweminyaka lapho bangaqashwa khona. Kulesi sigaba semikhiqizo kuvela eminyakeni engama-67. Okungukuthi, ngokunembile isikhathi sokuthatha umhlalaphansi futhi lokho kuvumela ukuthola kulesi sikhathi sempilo imali engaguquki neqinisekisiwe egcwalisa impesheni. Ngaphandle kolunye uchungechunge lokucatshangelwa kwezobuchwepheshe esizozama ukukuchaza ngezansi.

Le nketho ivumela abantu abadala abanobunikazi bemizi ukuthi bathole enye intela yanyanga zonke, kugcinwe ubunikazi befulethi labo nokusetshenziswa kwalo nokuzijabulisa ngenkathi. Ngoba empeleni, izikhungo zezezimali ziyimaketha ngaphansi kwalezi zingqinamba zentengiso futhi amakhasimende angakhetha phakathi kwamafomethi ahlukile alezi zici. Yize isakhiwo sinye kubo bonke obolekisi ababuyiswayo, umehluko omkhulu owenziwayo uhlala eqinisweni lokuthi ubuncane beminyaka yokuyithenga bujikeleza cishe phakathi kweminyaka emi-65 nengu-75. Lapho ivelela khona iqiniso elikhetheke kakhulu: indala yobudala, imfishane igama elithi ukumboza.

Yiba nekhaya ngaphandle kwezindleko

Izimalimboleko ezibuyiswayo zinesiqiniseko esakhelwe ngaphakathi sokulinda, okuqukethe ukuthi ngenkathi omunye wabanikazi bempesheni yempahla ehlala, ngeke bacelwe ukuthi babuyise isikweletu. Ngenkathi kwenzeka okuphambene nalokho, eUma kwenzeka kushona omunye wabanikazi, omunye angaqhubeka nokuqoqa le mali esishiwo ngenhla. Izidingo kuphela okufanele zibe ngaphezu kweminyaka engama-65 ubudala futhi zibe nekhaya ngaphandle kwezindleko. Azikho futhi izimfuneko maqondana nemali engenayo encane onayo lowo obolekiwe.

Kungaba isiphakamiso esithandeka kakhulu ukuthi asebekhulile babe sesimweni sokuthola umthombo obalulekile wemali engenayo. Ikakhulukazi kulabo abanomhlalaphansi omncane ongabasizi ukuba bagcine amandla athile okuthenga eminyakeni yegolide yokuphila kwabo. Kufike ezingeni lokuba nezinkinga ezingaphezu kweyodwa siphile ngokunethezeka.

Isilinganiso senzalo emaphakathi kokubanjiswa kwemali

Okwempahla ebanjiswe kwisamba sezakhiwo zonke ngoMashi, isilinganiso senzalo esimaphakathi ekuqaleni singu-2,58% (2,3% ngaphansi kunangoMashi 2019) kanye Isikhathi seminyaka engama-23, ngokusho kwedatha yakamuva ekhishwe yiNational Institute of Statistics (INE). Lapho kukhombisa khona nokuthi i-60,6% yemali mboleko isezingeni lenzalo eguquguqukayo kanye nama-39,4% ngesilinganiso esimisiwe. Izinga lenzalo emaphakathi ekuqaleni lingu-2,27% wemali mboleko yamanani eguquguqukayo (7,1% ephansi kunangoMashi 2019) kanye no-3,24% wemali mboleko yamanani amisiwe (4,1% ngaphezulu ngaphezulu).

Ezimalini zokuboleka imali yasekhaya, isilinganiso senzalo esimaphakathi siyi-2,62% (0,1% ephakeme kunoMashi 2018) kanti isikhathi esimaphakathi siyiminyaka engama-24. U-58,1% wemali mboleko yasekhaya isezingeni elihlukile futhi 41,9% ngesilinganiso esimisiwe. Izimalimboleko ezi-Fixed rate zithole ukwanda kwezinga lonyaka lama-24,5%. Isilinganiso senzalo emaphakathi ekuqaleni singu-2,34% wemali mboleko emakhaya entengo entantayo (eyehle ngo-2,7%) no-3,11% wemali mboleko yamanani angaguquki (1,6% ngaphezulu).

Inzalo emaphakathi yamakhaya

Maqondana nemalimboleko yempahla enezinguquko zokubhalisa, umbiko osemthethweni ukhombisa ukuthi inani eliphelele lemali mboleko enezinguquko ezimweni zayo ezibhaliswe ekubhalisweni kwempahla ingu-6.507, 12,7% ngaphezulu kunangoMashi 2019. Ukubheka uhlobo lwezinguquko ezimweni, ngoMashi kube nezinguquko ezingama-5.113 (noma ukuguqulwa okwenziwe ngesikhungo esifanayo sezezimali), nge ukwanda konyaka kwe-10,7%. Ngakolunye uhlangothi, inani lezinto ezishintsha ibhizinisi (ama-subrogations kumuntu obolekayo) lenyuke ngo-24,2% kanye nenani lemali ebolekiwe lapho umnikazi wempahla ebolekiswe imali eshintshiwe (ama-subrogations kumuntu okweletwayo) enyuke ngo-9,5%.

Ngaphakathi kweqembu lempahla ebolekiwe enezinguquko ezimeni zenzalo yazo, kufanele kuqashelwe ukuthi ucwaningo olwenziwe yiNational Institute of Statistics (INE) lukhombisa ukuthi kuboleki mboleko engu-6.507 enezinguquko ezimweni zabo, 42,5% kungenxa yokuguqulwa ngamanani wenzalo. Ngemuva koshintsho ezimeni, iphesenti lemali mboleko yamanani amisiwe lenyuke lisuka ku-7,9% laya ku-16,8%, kuyilapho leyo yamanani entengo yemali eguqukayo yehle isuka ku-87,1% yaya ku-82,3%.

Lapho i-Euribor iyisilinganiso lapho iphesenti eliphakeme kakhulu lemali mboleko eguqukayo libhekisa kuyo, kokubili ngaphambi koshintsho (77,9%) nangemuva (77,8%). Ngemuva kokushintshwa kwezimo, inzalo emaphakathi yemali mboleko yamanani amisiwe yehle ngamaphoyinti angu-1,6 nokuthi kumanani entengo yemali ebolekwayo eyehlisiwe yehle ngamaphoyinti angu-0,8.

Maqondana nemalimboleko yempahla enezinguquko zokubhalisa, umbiko osemthethweni ukhombisa ukuthi inani eliphelele lemali mboleko enezinguquko ezimweni zayo ezibhaliswe ekubhalisweni kwempahla ingu-6.507, 12,7% ngaphezulu kunangoMashi 2019. Ukubheka uhlobo lwezinguquko ezimweni, ngoMashi kube nezinguquko ezingama-5.113 (noma ukuguqulwa okwenziwe ngesikhungo esifanayo sezezimali), nge ukwanda konyaka kwe-10,7%.


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.