Uma kunomkhiqizo wezezimali obaluleke kakhulu phakathi kwabasebenzisi, awukho omunye ngaphandle kokubanjiswa kwemali. Kungumugqa we imali Kuzofanele udlule lapho ufuna ukuthenga ikhaya ngaphandle kokonga. Kepha ngezizathu ezifanayo nawe kuzofaka uchungechunge lwezindleko iminyaka eminingi, mhlawumbe ngokweqile. Kokubili ngokubuya kwayo nezintshisekelo namakhomishini akhiqizwe yimfuno yayo. Ukuthi izindleko zokugcina zizobe ziphakeme kakhulu, nalapho ubeka khona engcupheni yokungakwazi ukubhekana nale nkokhelo ngenxa yezinkinga emholweni wakho onayo njalo ngenyanga yokwenza isivumelwano semali mboleko ethile yezikhungo zezezimali thengisa.
Kulesi simo esivamile, imininingwane yakamuva evela ku-National Statistics Institute (INE) icace bha ngomqondo wokubuyiselwa ekufunweni kwayo ngabasebenzisi. Ngoba empeleni, kuyacaca ukuthi inani elijwayelekile wemali ebolekwayo ebhaliswe kumarejista ezakhiwo ngoNovemba (kusuka kuzenzo zomphakathi ezenziwa phambilini) ingama-euro ayizi-145.769, okusho ukuthi ama-15,1% aphezulu kunesikhathi esifanayo ngonyaka odlule. Esimeni esikhuphukayo ezinyangeni ezisanda kwedlula, ngenxa yokuvuka komnotho ezweni lethu. Futhi lokho-ke nakho kudluliselwe emkhakheni wempahla ebanjiswayo.
Ngakolunye uhlangothi, imininingwane yakamuva esemthethweni ikhombisa nokuthi inani lemali ebolekwe emakhaya elakhiwe emakhaya lingama-24.882, 3,7% ngaphansi kunango-2016. Mayelana nenani lemali ebolekwa ngemali esezakhiweni ezisemadolobheni, lifinyelele ku-122.703 million euros, 10,7% ngaphezulu kunangonyaka odlule. Emakhaya, i- Imali ebolekiwe imi ezigidini ezingama-3.053,1, ngokunyuka kwaminyaka yonke kuka-6,7%.
Inzalo yemali mboleko
Okwempahla ebanjiswe kwisamba sezakhiwo, isilinganiso senzalo esimaphakathi ekuqaleni singu-2,77% (8,0% ngaphansi kunango-2016) kanye nesikhathi esimaphakathi seminyaka engama-22. Ngakolunye uhlangothi, ama-65,9% wemali mboleko isezingeni lenzalo eguquguqukayo kanye nama-34,1% ngesilinganiso esimisiwe. Uhlobo lwe inzalo emaphakathi ekuqaleni kungu-2,44% wemali mboleko yamanani eguquguqukayo (17,1% ephansi kunango-2016) kanye no-3,63% wemali mboleko yamanani amisiwe (12,7% ngaphezulu).
Mayelana nokubolekwa kwemali emakhaya, isilinganiso senzalo esimaphakathi ngu-2,71% (14,3% ngaphansi kunangoNovemba 2016) kanti isikhathi esimaphakathi yiminyaka engama-24. Ama-63,5% wemali mboleko yasekhaya isezingeni eliguqukayo kanye nama-36,5% ngesilinganiso esimisiwe. Izimalimboleko ezilinganiselwe zithole ukwehla ngo-6,5% kwezinga lonyaka. Izinga lenzalo emaphakathi ekuqaleni lingu-2,54% wemali mboleko yamakhaya eguquguqukayo (eyehle ngo-19,4%) kanye no-3,10% wemali mboleko yamanani amisiwe (3,2% aphansi).
Amanani wenzalo athonya kanjani?
Enye into okufanele uyihlole kusuka manje kuye phambili ukuthi ukukhuphuka kwamazinga wenzalo kungakuthonya kanjani. Yebo, ngalo mqondo konke kuzoncika ekutheni uqashe yini isilinganiso esiguqukayo noma esinqunyiwe. Uma kungukugcina, ngeke wesabe noma yikuphi ukunyuswa kwemali ekhokhwa njalo ngenyanga ngoba ngeke kuthinteke yile nhlangano. Kuzofanela ukhokhe okufanayo, noma yini eyenzekayo ezimakethe zezezimali. Akumangalisi ukuthi lokhu kungenye yezinzuzo eziyinhloko zokubanjiswa kwemali engaguquki. Ukuthi uzohlala wazi ukuthi iyiphi imali ozokhokha ngayo ukwenza kwayo ngokusemthethweni.
Elinye icala elihluke kakhulu lelo lokubolekwa kwamanani entengo eguquguqukayo, azwela kakhulu ekushintsheni kwezitayela. Lokho wukuthi, ekukhuleni okungenzeka kwamazinga wenzalo. Ngoba ukwanda kwephesenti elilodwa ebhentshini lokulinganisa laseYurophu, i- I-Euribor, kungasho ukwanda kwezindleko zokuxhaswa ngemali okufika kokuphindwe kabili kwalokho obukade ukhokha phambilini. Njengoba ukwenyuka kukhula, izindleko zempahla yakho oyibolekile zizokwenyuka. Ngokulingana namandla ayo.
Yiluphi uhlobo olufanele kakhulu?
Kulokhu kujwayelekile ukuthi yiluphi uhlobo lwesibambiso esingcono sokuliqasha ukuvikela izintshisekelo zakho. Noma ngezinga eliguqukayo noma, kunalokho, kulungisiwe. Yebo, okwamanje, eyokuqala inenzuzo enkulu kakhulu. Isizathu esikhulu kungenxa yokuthi inkomba ebhentshini lokuxhuma elixhumene nayo, i-Euribor, isezingeni eliphansi kakhulu kulo lonke uchungechunge lomlando. Ngoba empeleni, kusesimweni esingesihle, ikakhulukazi ngo-0,163%. Ngale ndlela, ikuvumela ukuthi wonge imali eningi uma kuqhathaniswa nezinye izivivinyo. Ngoba ngaphezu kwakho konke uzoba nemali engabizi kakhulu yanyanga zonke ukuhlela kahle isabelomali sakho sonyaka.
Njengomphumela wesimo ezimakethe zezezimali, akumangazi ukuthi izikhungo zezezimali sezethule okunikezwayo kwazo okuhle kakhulu emabhange athengiswayo njengamanje. Ngisho nakwezinye zazo, ngokusabalala okungaphansi kwe-1%. Indlela yokutholwa kwekhaya lakho elilandelayo enziwa ngokulungiswa okukhulu ezindlekweni. Ngoba nabo bavame ukukhululwa kumakhomishini nakwezinye izindleko ekuphathweni noma ekugcineni kwabo. Njengeminikelo eyinhloko yemalimboleko yempahla ebanjiswayo ngesikhathi samanje.
Izingozi ekuqashweni kwakho
Noma kunjalo, kufanele uhlaziye ukuthi lesi simo ngeke ihlale unomphela, kude nayo. Ngoba kufanele ubone kusengaphambili ukuthi kwesinye isikhathi noma amanye amanani enzalo azokhuphuka futhi kuyingozi okufanele ucabange kuleli banga lemikhiqizo yezezimali. Akumangalisi ukuthi iziphathimandla zezimali zomphakathi sezithuthukile ukuthi lesi simo sizokwenzeka ekupheleni kwalo nyaka noma mhlawumbe esimweni esibi kakhulu ngo-2019. Kunoma ikuphi, ungangabazi ukuthi lo mzuzu uzofika. Ngani
Uma lokhu kuyisimo seminyaka embalwa ezayo, ungangabazi ukuthi inkokhelo yanyanga zonke yesibambiso sakho sizobiza kakhulu kuze kube amazinga afinyelelwe ngokwenyuka kwamazinga wenzalo. Ngeke kusaba njengakuqala futhi kuzodingeka unikele nge umzamo omkhulu wemali ukugcina isikweletu semali mboleko yokuthenga indlu yakho. Umphumela omkhulu walesi simo ukuthi izindleko zokugcina zokwenza lo mkhiqizo wezezimali zizobe ziphakeme kakhulu kunalokho obekulindelwe ekuqaleni. Ngakho-ke, kuzoba yinto embi ngokuqhamuka maqondana nemali mboleko ebekelwe isilinganiso esinqunyiwe. Ungakhohlwa kusukela manje kuqhubeke uma ngabe uzokubhalisa ezinsukwini ezimbalwa ezizayo.
Imali ekhokhwayo yemali mboleko engaguquki
Le ndlela yokubambisa imali, kunalokho, ikuvumela ukuthi ungabi nanoma yiluphi uhlobo lwezimanga ngesikhathi senkontileka. Ngoba lizohlala lingashintshiwe ezigabeni zalo, noma yini eyenzekayo ezimakethe zezezimali. Ngale ndlela, uzobe uzolile kakhulu ngaphambi kokuthi kungenzeka khuphula imali ekhokhwa njalo ngenyanga kwempahla yakho ebolekisiwe. Kodwa-ke, uma uyiqasha lapho ukukhushulwa sekwenzekile, akungabazeki ukuthi kuzophinde kuthinte nezinga lenzalo izikhungo zezikweletu ezizosebenza kuwe. Ngokulingana namandla okunyuka.
Ngakolunye uhlangothi, ukusayina isibambiso esilinganiselwe kungakusiza ukuthi ugweme ukukhuphuka okungalingani ezinkokhelweni zakho njalo ngenyanga. Zenzelwe iphrofayili yomsebenzisi echazwe kahle kakhulu leyo funa ukuphepha ngaphezulu kwezinye izindlela ezinolaka. Ngalo mqondo, kungaba yisixazululo esifanelekile sokunyuka kwezinga elibonakalayo okumenyezelwe yimigwamanda yemali yomphakathi. Ukufika ezingeni lokuthi ungonga ama-euro amaningi ekwenzeni kwawo ngokusemthethweni. Ngoba ngeke ube nezimanga ezingezinhle nganoma yisiphi isikhathi ngesikhathi sesibambiso.
Shintsha ekuthambekeni kwempahla ebanjiswayo
Kunoma ikuphi, imininingwane yakamuva evela ku-National Institute of Statistics ikhombisa ukudluliswa okubalulekile kwemali ebanjwayo isilinganiso esiguqukayo esilinganisweni esinqunyiwe. Umkhuba, ngakolunye uhlangothi, obungavelanga eminyakeni yamuva. Futhi noma kunjalo, baxwayisa abasebenzisi ngokwesaba ukufika okulandelayo kokunyuka kwamazinga wenzalo. Akumangazi ukuthi kungenye yezindlela abanazo ngalesi sikhathi zokuzivikela kulesi simo ezimakethe zezimali. Ngaphandle kwenzalo evezwe yilo mkhiqizo wezezimali.
Vele, kuyinto ongayifaka kwinkontileka yakho ngesikhathi sokuthola lelo fulethi noma lelo khaya olithande kakhulu. Kwamanye amaphesenti azokwenyuka eminyakeni embalwa ezayo futhi njengezinsuku okuzoqala ngayo lokhu kuhamba, okuqashelwa ezinhlakeni zezimali ze-European Union. Kepha esimweni esibi kakhulu, zizokwenzeka kusukela ngonyaka ozayo wezi-2019. Isikhathi esizothatha isinqumo sokushintsha inkomba yale nkomba yokulinganisa.
Kusukela ngentengo yayo engemihle njengoba kwenzeka okwamanje ngemuva kwezinyanga eziningi usesimweni esifanayo. Okuthile osekuzophela futhi lapho abasebenzisi njengamanje abanemalimboleko yabo yempahla engabanjiswa bangazuza ngayo. Ngoba kuzoba nama-euro amaningi owalondolozayo ngaleli qhinga.