Ngalesi sikhathi, enye indlela yokutshala imali yendabuko imelwe ukuthengwa kwekhaya ozoliqasha kamuva. Futhi ngale ndlela, thola imali engenayo njalo ngenyanga eyeqa okulindelwe yimikhiqizo yasebhange (imali yesikhathi, amanothi ezethembiso, amabhondi, njll.) Kanye nalezo ezihloselwe ukutshalwa kwezimali. Lapho uzoba nobunzima obukhulu khona yeqa amazinga angama-5% njengomphumela wamanje wentengo yemali nokuvela kwezimakethe zezimali. Isici esiholela enanini elifanele labatshalizimali ukuthi babhekise amehlo abo ku- i-ladrillo, yize kuleli cala ngokuqashiswa kwezindlu.
Ngalesi sikhathi, banikela ngembuyiselo ephezulu kunezinye izimpahla zezezimali ezinokubaluleka okuthile. Ngoba empeleni, imali ongayithola ngokuqasha indlu ikhule yaya ku-7,8% phakathi nengxenye yokuqala yonyaka wezi-2018, ngokusho kocwaningo lwamuva olwenziwe yi-idealista real estate portal. Lapho kukhonjiswa khona ukuthi inzuzo enikezwa ngotshalomali emakhaya ukuwaqashisela inyuke yaya ku-7,8% isuka ku-7,1% ngonyaka owedlule, ngenxa yokuqiniswa okutholwe yimfuno yokuqashwa.
Lo kungaba ngumbono omuhle kakhulu ukuze wenze ukonga kube nenzuzo enkulu kusukela manje kuqhubeke, kuya ngesimo sokuhlangana esethulwe ngumnotho wamazwe omhlaba kanye nowezwe. Lapho, lolu cwaningo olufanayo luqinisekisa ukuthi ukutshalwa kwezindlu kwangempela eSpain, kunoma imiphi imikhiqizo ehlaziyiweyo, kunikeza amanani entela abuye kathathu, esimweni esibi kakhulu, lawo emabhondi kahulumeni weminyaka eyishumi. Isimemo sokuthi uzame thuthukisa ibhalansi ye-akhawunti yakho yokuhlola ngale ndlela eyingqayizivele yokutshalwa kwemali ebonakala ngaphezu kwakho konke ngokuphepha kwayo.
Umshuwalense wokuqasha: usizo lwawo
Inkinga enkulu ngalokhu kutshalwa kwemali okuhlukile ukuthi abaqashi abakhokhi irenti. Akumangalisi ukuthi iveza izinga lobugebengu elikhathaza kakhulu futhi elikukhuthaza ukuthi uthathe izinyathelo ezingaphezu kwesisodwa zokugwema lezi zimo ezingafuneki kubanikazi noma kubatshalizimali. Enye yezindlela a ukuvikelwa okukhulu Kwenziwa ngomshwalense owenzelwe ukuqasha ikhaya. Kungaba yisixazululo esifanele ukugwema ukudlula kulesi simo esingemnandi sokungakhokhelwa imali yokuhlala ekupheleni kwenyanga.
Kepha ngeke limele isilinganiso sokuvimbela elinye iqembu, ligcwalisa isibopho salo sokukukhokhela irenti yomsebenzi walo wendlu. Uma kungenjalo, kunalokho, kuyicebo eliphelele, impela elisebenza kakhulu, ukuze yiba ne- ukuzivikela ngokomthetho ezimpini ezingaba khona nomqashi. Akumangalisi ukuthi kuzoba esinye sezixazululo zalolu hlobo lokutshala imali, musa ukudala inkinga engaphezu kweyodwa ngezikhathi ezithile empilweni yakho. Njengoba kwenzeka kwabanye abantu abathathe isinqumo sokukhetha ukuqasha njengefomula yokwenza ngcono inzuzo yokonga.
Injani le mikhiqizo?
Umshwalense wokuqasha ubonakala ngokuyisisekelo ngoba uzokusiza uthole inkokhelo yerenti yekhaya lakho. Ikakhulukazi ezimeni ezinzima impela lapho ezimweni eziningi ungeke ukwazi ukuthola inkokhelo evela kumqashi omusha. Ukufika ezingeni lokuthi ungathatha ezinye izinyathelo zomthetho ukuze ukhokhelwe ukusetshenziswa kwalesi sakhiwo sendawo. Kulesi simo, umshwalense wokuqasha kunjalo kuzoqinisekisa ukukhokhwa kwerenti uma kwenzeka noma yisiphi isehlakalo esibi ekukhokhelweni okwenziwe elinye iqembu kwinkontileka. Ngesizathu esilula sokuchaza nokuthi lokho kuzoba yinkampani yomshuwalense uqobo ezophendula kulezi zinkokhelo ngendlela ephumelelayo futhi yanelise izidingo zakho zangempela.
Kepha hhayi kuphela le mishuwalense egcwalisa lo msebenzi ngoba izobe iphethe ukuvikela isimo sale ndawo yomuntu ngamunye ngaphambi kokulimala okungenzeka lokho kungenzeka ekuhlaleni kwabo. Okuthile okuvame ukwenzeka ngamafulethi alezi zici nokuthi ngokukhokhwa kweprimiyamu njalo ngonyaka uzokwazi ukukugwema kusukela manje kuqhubeke. Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi ezinye izinqubomgomo zize zibheke nokulondolozwa kwefenisha uqobo futhi ezimweni ezithile izinto ezibaluleke kakhulu zale mpahla yakho.
Njengengxenye yokuvikela ngokomthetho
Kusuka kunqubo ehluke kakhulu, lolu hlobo lomshuwalense okhetheke kangaka lungakunika zonke izindlela zokuzivikela kunoma yiliphi icala ongalithatha ulithathe ngenye ingxenye yenqubo, okusho ukuthi, ngokumelene nomqashi omusha. Kunoma ikuphi, kuyiqiniso ukuthi lo mkhiqizo womshuwalense awuqinisekisi izinkokhelo ezingenamkhawulo. Uma kungenjalo, kunalokho, kunomkhawulo omkhulu ofinyelela ukufinyelela cishe izinyanga eziyi-16 noma eziyi-18, futhi kuya ngomkhiqizo ongene kuwo. Esinye isici esisebenza kakhulu yileso esihlobene nezindleko zaso. Ngemali evame ukumela phakathi kwama-euro angama-300 kuya kwangama-500 njalo ngonyaka.
Ngakolunye uhlangothi, umshwalense walezi zici ubonakala ngokuthi Ngeke kudingeke wazi ukuthi umqashi ukukhokha njalo ngenyanga. Esikhundleni salokho, kuzoba umsebenzi ozobekwa enkampanini yomshuwalense uqobo. Ekugcineni, bazokwenza isiqiniseko sokuthi imali abakukweleta yona iya kwi-akhawunti yakho yokonga. Ngalokho, wena ngokwakho ngeke kudingeke ukuthi uphathe noma iyiphi ingxenye yenqubo. Okungaba yinduduzo enkulu ukuvikela izintshisekelo zakho ngoba ngeke ungaphuthelwa yizinkokhelo ngaphandle kokwenza inqubo yokuphatha.
Izinzuzo zomshuwalense wokuqasha
Akungabazeki ukuthi ukwenza lo mkhiqizo womshwalense kuzokunikeza inzuzo engaphezu kweyodwa empilweni yakho yansuku zonke uma unekhaya futhi unquma ukuliqasha. Ngezinsizakalo ezithile ezingagwegwesi ezintsha okungenzeka ubengenazo kusukela ekuqaleni. Ngoba iminikelo yale nqubomgomo ikunika okuthile okungaphezu kokuphepha ekukhokheni izinkokhelo zanyanga zonke, njengoba uzokwazi ukuqinisekisa kusukela manje.
- Ungakwazi khetha iphrofayili yomqashi efulethini lakho noma efulethini. Noma kunezihlungi ezinamandla zokubheka ukuthi ngabe kungumkhokhi omuhle yini nokuthi wazi ukuthi ngabe kufakiwe yini ohlwini lwabakhokhi. Ngoba ekugcineni nguwe ozonquma ukuthi ngubani umuntu ofuna ukuhlala naye kule ndawo eminyakeni embalwa ezayo.
- Uzoba kakhulu ivikelwe ekulimaleni okungenzeka lokho kungahle kwenzeke endaweni kanye nezenzo zomqashi. Ngale ndlela, ngeke kudingeke ukuthi zithinte ama-akhawunti akho kodwa lezi zindleko zizocatshangelwa yinkampani yomshuwalense uqobo.
- Ingxenye ebaluleke kakhulu yale nqubo ukuthi uzoba nayo imali engenayo iqinisekisiwe minyaka yonke, kungakhathalekile ukuthi yiziphi izenzo zabaqashi. Ongazihlela kangcono ngazo izindleko nemali ozoba nayo eminyakeni ezayo. Ngenzuzo ephezulu kunaleyo enikezwa eminye imikhiqizo yezezimali. Futhi ngendlela ephephile futhi eqinisekisiwe kusukela ekuqaleni.
- Uzoba nokukhulu ukuvikelwa kunoma yikuphi ukumangalelwa maqondana nenye ingxenye yokusebenza. Noma ngabe injani futhi ngokuxhaswa yinkampani yomshuwalense. Njengomphumela walesi senzo, ngeke kubandakanye izindleko ezingeziwe ezingathinta iphakethe lakho.
Utholani ngale nqubomgomo?
Vele, ukuqasha umshuwalense wokuqasha kuzokunikeza ukuthula kwengqondo okuningi kunakuqala. Ngezincazelo eziningi nezinhlobonhlobo zemvelo esikudalula kuzo ngokulandelayo.
- Ukusebenza kokuqashwa kwendlu yakho noma indlu yakho kuzokwenziwa ngokusobala okukhulu kunakuqala. Lapho kungasazodingeka khona ukuthi wazi ngezenzo ezingenzeka zabaqashi bakho abasha.
- Uzoba nokucacile inkomba yomuntu ozohlala ekhaya phakathi nezinyanga noma iminyaka elandelayo. Uzokwazi iphrofayili yakho ngaso sonke isikhathi: isigaba somsebenzi, isimo somshado, uma unezikweletu nabantu besithathu, njll.
- Uzoba nesiqinisekiso esiphelele sokuthi uzoba nokuthize imali engaguquki minyaka yonke. Ngaphandle kwezigameko ezikhona ezingakhinyabeza isabelomali somuntu siqu noma somndeni eminyakeni embalwa ezayo.
- Nge inzuzo ongakwazi ukukuthola ngezimpahla ezejwayelekile zezimali. Ngomehluko obaluleke kakhulu ngokwenani ozolithola minyaka yonke nangesikhathi.
- Akuyona imikhiqizo ebiza ngokweqile, kepha ungabhalisela kusuka kuzimali ezingabizi kakhulu kuzo zonke izinhlobo zomnotho wasendlini. Ngoba ekugcineni kosuku, kuzoba imodeli yomshuwalense ezohlinzeka ngezixazululo ezingaphezu kwesisodwa ukuvikela izintshisekelo zakho.
- Kuyisigaba sezinqubomgomo ezikhona kuthengiswa izinkampani eziningi ezikulo mkhakha. Ngochungechunge lwezinsizakalo ezingeziwe ezingakunika olunye uchungechunge lwezixazululo ekhaya lakho.
- Futhi ekugcineni, ngeke ukhohlwe ukuthi ngumshwalense osebenzayo kakhulu lapho ungeke ube kukho konke okwenzeka kule ndawo.