Sekuvele kuliqiniso ukuthi uma unesibambiso sendlu, uzoyenza ibe semthethweni njengamanje futhi izobiza imali ebiza kakhulu kusuka manje. Njengomphumela wokwenyuka kwezinga le- Isilinganiso saseYurophu, I-Euribor, ebisesigabeni esiphezulu izinyanga ezinhlanu. Lokhu kwenzeke kusukela ngoMeyi odlule, ngakho-ke ngale ndlela isuka ezingeni lomlando ngemuva kokuqala konyaka eyahlala kuwo ingamile ngokuphelele. Vele, akuzona izindaba ezinhle kubasebenzisi abacwilisiwe kule nqubo.
Isizathu sokuqala ukuthi isikweletu sakho semali mboleko sizobiza kakhulu, ngezinkokhelo zanyanga zonke Kufunwa ngokwengeziwe. Yize umehluko ozoba nawo kulesi sikhundla uzoba ama-euro ambalwa kakhulu, into ekhathaza kakhulu ukuthi kuzoba umkhuba ozoqina kusukela manje kuqhubeke. Ekusebenzeni kwe- ukuvela kwezinhlobo nentshisekelo ezimakethe zezezimali. Ngalo mqondo, kufanele kukhunjulwe ukuthi abaphathi bezezimali baseYurophu bazoyicwilisa ezinyangeni ezizayo. Ngemuva kokunganyakazeki ku-0% kusukela ngo-2014. Lapho intengo yemali yayingacacile khona. Okusho ukuthi, zero
Yebo, lokhu sekuguqukile kusukela ngo-Okthoba 2018, ukubuyekezwa kwenkomba yokulinganisa yaseYurophu kuholela ekwenyukeni kwemali ekhokhwa njalo yanyanga zonke okokuqala ngqa kusukela ngo-2014. Njengomphumela we-Euribor enikeza abanye amanani amancane amabi ukwedlula kwezinye izivivinyo. Lokhu kuholele ekubuyekezweni kwemali mboleko yezindlu kanye nezicelo ezintsha ezenziwa zibe semthethweni ukuze kukhushulwe imali ekhokhwa njalo ngenyanga. Okwamanje inani alibalulekanga kakhulu, lihamba lizungeze i-10 noma i-15 kuye ngenani elidingekayo. Kepha izokhula kancane kancane kusuka manje kuqhubeke. Ngokusho kokunyuka okwenziwa ngentengo yemali.
Isibikezelo seminyaka embalwa ezayo
Mayelana nesibikezelo senkomba yokulinganisa yaseYurophu, eyaziwa kangcono njenge-Euribor, umnyango we-Bankinter's Analysis uveza ukuthi embikweni wamasu wekota yesithathu yonyaka we-2018 isibikezelo sayo se-Euribor sango-2018 nango-2019, okuyisibonakaliso esikhulu sokubalwa kwemali ebanjwayo ezinyangeni ezizayo . Isibikezelo sakhe silindele i-Euribor yezinyanga eziyi-12, inkomba ejwayelekile yokubala imali ebanjwayo, ezoba khona -0,17% kuze kube sekupheleni kuka-2018.
Ngenkathi kwenzeka okuphambene nalokho, isibikezelo sayo se-Euribor ku-2018 sizohamba ngebanga le -0,30% ne -0,10%. Ekugcineni, isibikezelo se-Euribor sango-2019 silindele ukukhuphuka okuzoba phakathi kokungenani kuka -0,10% no ubukhulu obungu-0,30%, ngesimo esiphakathi esizohamba phakathi kuka-0,10% no-0,20%. Mayelana namazinga wenzalo, abahlaziyi beBankinter bacabanga ukuthi «inzalo ngeke ishintshe ngaphambi kwengxenye yokuqala ka-2019 kepha silindele ukuthi inani lediphozi lizofinyelela ku-0,0%, uma kuqhathaniswa ne -0,40% yamanje» ».
Ngenzalo emaphakathi engu-2,20%
Okwempahla ebanjiswe kwisamba sezakhiwo zonke ngoJuni, isilinganiso senzalo esimaphakathi ekuqaleni singu-2,49% (6,8% ngaphansi kunangoJuni 2017) kanye nesikhathi esimaphakathi seminyaka engama-23, ngokusho kwedatha yakamuva enikezwe yiNational Institute of Statistics (INE). Umbiko ukhombisa nokuthi u-62,9% wemali mboleko isezingeni lenzalo eguquguqukayo futhi 37,1% ngesilinganiso esimisiwe. Izinga lenzalo emaphakathi ekuqaleni lingu-2,19% wemali mboleko yamanani eguquguqukayo (11,3% ephansi kunangoJuni 2017) kanye no-3,25% wemali mboleko yamanani amisiwe (0,5% ngaphezulu ngaphezulu).
Mayelana nokubolekwa kwemali emakhaya, isilinganiso senzalo esimaphakathi ngu-2,63% (4,5% ngaphansi kunangoJuni 2017) kanye nesikhathi esimaphakathi seminyaka engama-24, ngokusho kwedatha ye-INE. Lapho, ama-60,8% wemali mboleko yasekhaya isezingeni eliguqukayo kanye no-39,2% ngesilinganiso esimisiwe. Ngakolunye uhlangothi, isilinganiso semali mboleko esilinganiselwe sithola Ukwehla ngo-2,2% kwezinga lonyaka. Isilinganiso senzalo emaphakathi ekuqaleni singu-2,43% wemali mboleko emakhaya enamanani entanta (ngehle ngo-5,7%) no-3,03% wemali mboleko yamanani amisiwe (3,5% aphansi).
Izinguquko zeRegistry ziyanda
Inani eliphelele lemali mboleko enezinguquko ezimweni zayo ezibhaliswe kumarejista ezindlu ingu-5.706, 22,8% ngaphansi kukaJuni 2017. Ezezindlu, inani lemali ebolekwayo eguqula izimo zalo lehla ngo-26,3%. Uma kucatshangelwa uhlobo lwezinguquko ezimeni, ngoJuni zikhona Izilinganiso ezingama-4.476 (noma ukulungiswa okwenziwe ngesikhungo esifanayo sezezimali), ngokuncipha konyaka ngama-22,4%.
Ngomunye umqondo, kufanelekile nokusho ukuthi inani lemisebenzi elishintsha ibhizinisi (ama-subrogations kumuntu obolekayo) lehla ngama-30,7%, ngenkathi inani lemali mboleko lapho umnikazi wempahla ebolekiswe ngemali uyashintsha (subrogations to the denior) ikhule ngo-3,5%. Ngalo mqondo, kukhona umkhuba osuka kokuguqukayo kuye kokulinganiselwe kokubanjiswa kwemali, njengomphumela woshintsho kuthrendi enkombeni yebhentshimakhi yaseYurophu, yize ingaphansi kwesilinganiso esingakabi yiningi kubasebenzisi balolu hlobo lwemikhiqizo yezezimali.
Inzalo engaphezulu evela ku-2018
ESpain, iningi lemalimboleko eguquguqukayo yemalimboleko yempahla ixhumene ne-Euribor, impela ngoba iyinkomba eyenziwe ngokwesilinganiso samanani amabhange aboleka kuwo. Ngokusho kweNational Institute of Statistics, imisebenzi engaphezu kuka-90% yenziwa ngaphansi kwalesi simo. Ngenkathi amamodeli asele wezezimali ngokusobala eyidlanzana phakathi kwabasebenzisi basebhange. Ilinde ukusetshenziswa kwe- I-Euribor Plus indlela entsha yokuxhumanisa imali ebolekiswayo futhi lokho kuqala ezindleleni ezinenjongo.
Isinqumo sezinhlangano zezimali zaseYurophu sokukhuphula inani lenzalo siyinkinga enkulu yemali mboleko yamanani eguqukayo. Phakathi kwezinye izizathu ngoba kuzobenza babize kakhulu ekukhokhweni kwezitolimende zabo zanyanga zonke nasemazingeni azoncika ebangeni lalokhu kukhuphuka. Ukufika ezingeni lokuthi kungaba yinto ebalulekile ekusayineni imali mboleko engaguquki noma eguquguqukayo kusuka manje kuqhubeke. Ngoba eyokuqala inenzuzo enkulu ehlala ihlale ikhona uzokhokha okufanayo ngemali yakho yenyanga. Noma yini eyenzekayo ezimakethe zezezimali ngoba uzokwazi ngaso sonke isikhathi izindleko zokuqashwa kwakho.
Imiphumela yokwenyuka kwamanani emali
Kunoma ikuphi, kuneminye imiphumela yesibambiso lokhu kukhuphuka okuzokubandakanya kulesi sigaba semikhiqizo yezezimali nokuthi kufanele wazi kusukela manje kuqhubeke. Njengesibonelo, lezo esikudalula kuzo ngezansi:
- Kuzovele kube nzima kakhulu kuwe ukuthola isikweletu nge isakazeka ngaphansi kuka-1%, njengoba nje kwenzeka kuwe kuze kube manje.
- Amakhomishini angakhuphuka ngamaphesenti ayishumi wephesenti kusuka kuzintengo zawo zangempela. Kuzoba nzima kakhulu ukuthola imali ebolekwa ekhululwe kumakhomishini nakwezinye izindleko ekuphathweni noma ekugcineni.
- Kungaba yisikhathi sokukhipha imali yemali mboleko elinganiselwe kugweme lokhu ukuqina ezimweni zemalimboleko yezinga eliguqukayo. Esikhathini esimaphakathi neside uzokhokha imali encane kwizitolimende zanyanga zonke. Ukukhokha okufanayo, noma yini eyenzekayo entengo yemali.
- Akuzona izikhathi ezinhle kakhulu zokubhalisa lesi sigaba semali mboleko okufanele ube nayo shaya phansi maqondana nokuvela kwamazinga wenzalo.
Izimalimboleko ezixhunywe ku-Euribor
Ezimalini ezibolekwayo ezingama-5.706 48,5 ezinezinguquko ezimweni zabo, ama-XNUMX% kungenxa yezinguquko kumazinga wenzalo. Ngemuva kokushintshwa kwezimo, iphesenti lemali mboleko yamanani amisiwe inyuka isuka ku-7,0% iye ku-14,6%, ngenkathi leyo mali yemalimboleko yenzalo eguquguqukayo yehle isuka ku-92,6% yaya ku-85,0%. I-Euribor yisilinganiso lapho iphesenti eliphakeme kakhulu lemali mboleko eguqukayo libhekisa kuyo, kokubili ngaphambi koshintsho (76,9%) nangemuva (77,9%). Ngemuva kokuguqulwa kwezimo, inzalo emaphakathi yemalimboleko yemali mboleko elinganiselwe yehle ngamaphoyinti angu-0,9. Izimalimboleko zamanani eziguqukayo nazo zehle ngamaphesenti ayi-0,9.
Ibhentshi laseYurophu yilona abaxhumene nabo imisebenzi engaphezu kwama-90% okwenziwe ngokusemthethweni ngenani lenzalo eliguqukayo. Kusobala ngokucacile kuzinkontileka ezisayinwe abasebenzisi nangaphezulu kwamanye ama-indices njengamanje ayingcosana ekwamukelweni kwawo. Ngakolunye uhlangothi, imininingwane enikezwe yiNational Institute of Statistics (INE) ikhombisa nokuthi imiphakathi ezimele enenani eliphakeme kakhulu lemali mboleko eyenziwe emakhaya ngoJuni yi-Community of Madrid (6.399), i-Andalusia (5.765) neCatalonia ( 4.852).
Inani eliphelele lemali mboleko enezinguquko ezimweni zayo ezibhaliswe kumarejista ezindlu ingu-5.706, 22,8% ngaphansi kukaJuni 2017. Ezezindlu, inani lemali ebolekwayo eguqula izimo zalo lehla ngo-26,3%. Uma kucatshangelwa uhlobo lwezinguquko ezimeni, ngoJuni zikhona Izilinganiso ezingama-4.476 (noma ukulungiswa okwenziwe ngesikhungo esifanayo sezezimali), ngokuncipha konyaka ngama-22,4%.
Ngalo mqondo, kukhona umkhuba osuka kokuguqukayo uye kokulinganiselwe kokubanjiswa kwemali, njengomphumela woshintsho kumkhuba enkombeni yokulinganisa yaseYurophu.