Omunye wemibuzo efanelekile ozozibuza wona ngomzuzu oqondile wokuzibusa ukuthi ngabe kungcono yini kuwe Ukuthenga indawo noma okuphambene nalokho, isisombululo esihle kakhulu sizosuselwa ekuqashweni. Akusona isinqumo esilula ukusithatha, kepha kufanele sisekelwe ukucabanga okujulile. Lapho ubheka khona ukuthi yini i- isimo sangempela somnotho wakho siqu noma umndeni. Ukufika ezingeni lokuthi kufanele uhlole izici ezibaluleke kangako njengokungathi unomsebenzi onomphela, uyini umholo wakho nokuthi ifulethi ozokwabelana ngalo nabanye abantu.
Ngalesi simo esejwayelekile, kufanele ukhumbule ukuthi cishe abaseSpain abane kwabayishumi ukuhlala emqashweni kushiya ngaphezu kwe-40% yemali engenayo yomndeni, okungenye yamanani aphakeme kakhulu kuyo yonke i-European Union (i-EU), ngokusho kwedatha yakamuva enikezwe yi-Eurostat. Kuze kube seqophelweni lokuthi ukukhokha imali engaphezulu kwama-40% ezindlini kuthathwa yi-EU njengokukhokhisa ngokweqile emnothweni womuzi. Lesi ngesinye sezici zokuqala okufanele uzihlaziye kusukela manje kuqhubeke.
Ngakolunye uhlangothi, ingosi yezindlu iCasaktua yenze ucwaningo “Ngesidingo sezindlu eSpain. Eminyakeni eyishumi emva kokuqubuka kwenkinga ”. Lapho kukhonjiswa khona ukuthi ama-37% abantu baseSpain abahlose ukushintsha ikhaya labo ngo-2018, ama-24% bakhetha ukuthola ikhaya abanalo, kuyilapho kuphela abangu-13% abafuna ukuqasha. Lo mphumela ukhombisa ukuthambekela okusha iSpain edlula kukho emakethe yezezakhiwo kusukela, ngo-2017 kwabangu-31% ababefuna ukushintsha ikhaya labo, abangu-17% babefuna ukuthola impahla uma kuqhathaniswa nabangu-14% ababecabanga ukuyiqasha, okusho ukuthi ukuthi inhloso yokuthenga Ikhaya inyuke ngo-7%, ngenkathi inketho yokuqasha yehle ngo-1%.
Thenga ukuqasha ikhaya
Kunoma ikuphi, kunendlela yesithathu engakusiza ukwenza imali oyongele izuze kakhulu kunezimakethe ezijwayelekile zezezimali. Imayelana nokuthenga ikhaya ukuze uyiqashe kamuva futhi ngale ndlela ube nemali engenayo engaguquki futhi eqinisekisiwe nyanga zonke. Ngale ndlela, lolu hlobo olusha lokutshala imali selufinyelele eqophelweni lomlando elingu-7,8%, amaphuzu amathathu ngaphezu kwekota yesithathu yonyaka wezi-2013, lapho yayimi ku-4,9%. Enye yezinzuzo zayo eziyinhloko ilele ekutheni uzokwazi ukudlula amamaki walokho isitoko esikunikeza khona okwamanje.
Ngaphezu kwalokho, enye yezinzuzo ezifanele kakhulu zale ndlela ekutshalweni kwemali ukuthi uzohlala unale ndawo, noma ngabe kwenzekani ngezimakethe zezimali. Ngenkathi ngakolunye uhlangothi, ngokuba nomuzi uzokwazi ukusebenzisa i- yenza ukuthengisa ngesikhathi lapho ukubuyekeza ocabanga ukuthi kufanelekile. Lapho ungafinyelela khona ukusebenza ngaphezu kwama-20%. Amaphesenti okunzima kakhulu ukuwathola kweminye imikhiqizo yezezimali (izimali zokutshala imali, ukuthengwa nokuthengiswa kwamasheya emakethe yamasheya noma izimali ezihwebelana ngokushintshaniswa, phakathi kwezinye ezifanele kakhulu).
Izinzuzo zokuthenga ikhaya
Ukutholwa kwempahla ingcebo ikulethela uchungechunge lwezinzuzo ezibaluleke kakhulu okufanele wazi ngalesi sikhathi. Okokuqala, kuzokwenzani kuwe? nweba izimpahla zakho siqu noma zomndeni nokuthi kungaba yingxenye yefa lakho. Ngokusebenza okuhle okujwayele ukwazisa unyaka nonyaka. Njengemikhiqizo embalwa yezezimali ekunika yona okwamanje. Futhi ukuthi esikhathini esizayo kungasondela emazingeni athakazelisa kakhulu ukuhlangabezana nokulindela kwakho njengomtshali-zimali omncane naphakathi.
Esinye isici okufanele silinganiswe ngalesi sikhathi ukuthi sisuselwe ku- isici semizwa ephezulu. Hhayi ngeze, kungenye impahla onayo futhi ezokwenza ukuthi ukwandise izimpahla zakho ngaphansi kwenani elibaluleke kakhulu futhi ezingenakwenziwa zibe semthethweni ngezinye izimpahla ezibonakalayo. Ngakolunye uhlangothi, yindawo lapho ungaholela khona impilo yakho yangasese noma yomndeni. Kuze kube seqophelweni lokuthi uzokwazi ukuthola imisebenzi oyibona ibalulekile njengokunethezeka.
Ezinye izithiyo zalolu khetho
Ngokuphambene nalokho, ukuthenga ifulethi noma ifulethi kukulethela uchungechunge lwezinzuzo lolu hlelo lokuhlalisana olungakulethela lona. Okuyinhloko kukho konke amacala ezimali leyo ndawo ingafaka. Hhayi kuphela maqondana nokubuyiselwa kwentela yemali engenayo, kepha nalabo abasesigabeni sendawo. Isibonelo, eyaziwa kakhulu njenge-IBI futhi ekhokhwa minyaka yonke futhi lokho kufaka umzamo omkhulu wezezimali engxenyeni yakho. Okuthile ongakugwema uma uhlala endaweni yokuqasha. Kufanele uhlole ukuthi kufanele yini uthathe lezi zindleko zentela.
Vele, kufanele futhi ukhumbule ukuthi ukuthenga ifulethi kuzokuvimbela ekubeni nemali ethe xaxa ku-akhawunti yakho yokuhlola. Izinga lakho lempilo elizokwehla ngalo, njengoba uzokwazi ukuba nemali eningi ukwenza imali ngokonga emakethe yamasheya noma eminye imikhiqizo yezezimali. Lesi ngesinye sezici abanye babantu abakhetha uhlelo lokuqasha njengenani lokukhetha lokuhlala ndawonye. Kuze kube seqophelweni lokuthi ungenza izinto eziningi kakhulu kunalokho uma unomuzi wakho.
Ukuqasha indlu: izinzuzo
Lolu hlelo lokuhlala efulethini ngesinye sezixazululo kubantu abaningi abangakwazi ukuthola imali yokubambisa noma abanayo imali eyanele yokubhekana nalomsebenzi wempahla. Ngalo mqondo, umbiko owabuyekezwa ngaphambilini ukhombisa ukuthi iphrofayili ekhetha ukuqasha ngowesifazane oneminyaka engama-25 kuya kwengu-34. Ukuze kulimaze umthengi okhethwe ngumuntu ophakathi kweminyaka engama-35 nengama-54 ubudala, enomlingani nezingane. Ngale ndlela, le enye indlela yokwakhiwa kwezindlu yakhiwa njengesixazululo sokugcina esizimele. Ikakhulu, yingxenye yomphakathi encane kunazo zonke okungenzeka ukuthi yathuthukisa lo msebenzi wokuthengiswa kwezindlu.
Kepha uma kukhona noma yisiphi isici esiveza uhlelo lokuqasha, lokho akuyona enye ngaphandle kwalokho okuzoveza umuzwa wenkululeko enkulu futhi amathuba okuhamba kwezindawo uma kwenzeka kushintsha isifundazwe noma izwe ngenxa yomsebenzi noma izimo zomuntu siqu. Akumangalisi ukuthi izibopho zezinto ezibonakalayo zizoba phansi kakhulu kunenye indlela esikhuluma ngayo kule ndatshana. Futhi ungakhohlwa ukuthi lolu hlelo lomsebenzi kukusiza ukuthi utshale imali ukuze unqobe isu elisuselwa ekukhuthazeni isikhwama sokonga esinamandla amakhulu noma kancane.
Ezinye izinzuzo zokuqasha
Yize kunenkolelo ethe xaxa yokuthi ukuqasha kuhlala kukudalela izinkinga, kunezinto eziningi ongazicabanga ezingakusiza ukuthi ushintshe umqondo wakho kusuka kulezi zikhathi eziqondile. Enye yezinto esungulwe kakhulu ihambisana nomqondo wokuthi kuyinketho ngaphezu kwakho konke ekuvumela ukuthi uhlale endaweni oyifunayo yedolobha. Kufike ezingeni lokukwazi ukwenza ifayili le- Ukushintshwa kwekheli inqobo nje uma unquma noma ushintsha izimo zakho. Okuthile kuyinkimbinkimbi kakhulu kunokuthi ngabe ubunefulethi olithengile. Akusizi ngalutho, yizimo okufanele ungazinaki lapho ukhetha indlela yakho yokuphila eminyakeni embalwa ezayo.
Ngakolunye uhlangothi, uzoba namandla ukunikezwa kwezindlu ukuze ukwazi ukukhetha enye indlela engcono yokuhlalisana ndawonye kusukela manje. Ngenzuzo yokuthi uma wenza iphutha uzohlala unethuba lokulungisa lesi sinqumo osithathile. Ngoba ungaqala ukudlulisa okusha noma kunini lapho ufuna khona. Ayikho imigomo yokuhlala unomphela, ngaphezu kwaleyo evezwe esivumelwaneni osayine nomnikazi wendawo.
Izithunzi zokuhlala kwerenti
Ngokuphambene nalokho, kunochungechunge lwezinto ezimbi ezenziwa ukuthi ukuhlala ekhaya lakho kuzokunikeza umuzwa wokulondeka. Lokhu kuyiqiniso ngandlela thile, noma ungakakhokhi imalimboleko yempahla oyicelile ebhange osebenza nalo. Futhi, ukuhlala emqashweni ngeke kukuvumele ukuthi uthuthukise izimpahla zakho. Ukufika ezingeni lokuthi uzoba nezimpahla ezincane ongazishiyela izindlalifa zakho. Into ebaluleke kakhulu ukuyazisa, ikakhulukazi kubanikazi abaneminyaka yobudala.
Ukuhlela impilo yakho kuzohlala kunzima kakhulu uma ukhetha ukuhlala emqashweni. Phakathi kwezinye izizathu ngoba uzozizwa ungenakho ukuzivikela kulokho okungenzeka kuwe eminyakeni ezayo. Ngezinkinga ezinkulu ocabanga ukuthi ngeke ukwazi ukuthatha imali yokuqasha yalolu hlelo lokuhlala. Ngamafuphi, ezinye zezici okufanele uzihlole njalo lapho kuvela le nkinga ebalulekile kwimodeli yezindlu oyifunayo eminyakeni ezayo. Ngakho-ke, uzodinga ukuzindla okubonisa kakhulu ongeke ukwazi ukukuxazulula emahoreni ambalwa. Ayikho imigomo yokuhlala unomphela, ngaphezu kwaleyo evezwe esivumelwaneni osayine nomnikazi wendawo.