Ungakugwema kanjani ukudliwa kwangaphambili? Amathiphu wokugwema lesi simo

Ukudalulwa kuyinqubo yokuphatha lapho ukuthengiswa kwempahla ebibanjiswe ngempahla kubanjiswa ngenxa yokwehluleka komuntu okweletayo izibopho eziqinisekisiwe ngemalimboleko yempahla. Can ukhiqize imiphumela engadingeki kulabo abathintekile kuze kube seqophelweni lokuthi bangalahlekelwa yindlu okuyiyona nto yalo msebenzi. Ukuba inqubo esabalele ngezikhathi zezinkinga zomnotho eSpain.

Kulesi simo esimaphakathi, kuzodingeka ukuthi kubhekwe ukuthi ezinyangeni ezizayo kuzoba ne- ukwanda okusha kwezindleko zemalimboleko Ukuthengwa kwekhaya, njengoba kuphawuliwe ocwaningweni lwe-Bank of Spain. Lapho kukhonjiswa khona ukuthi inzalo efakiwe isemazingeni kaSepthemba 2015 ngemuva kokubiza kakhulu izinyanga eziyisishiyagalombili zilandelana. Lokhu kusebenza kusho ukuthi abasebenzisi kuzodingeka benze umzamo omkhulu wezezimali lapho bethenga indawo futhi ubungozi bokungakhokhi buzokuba bukhulu futhi.

Ngezikhathi lapho ukubolekwa kwezinga okuguqukayo bakhuphule izinga lenzalo yabo ngamaphesenti ambalwa eshumini wephesenti uma kuqhathaniswa namazinga weminyaka edlule. Ngemuva kokuhlala isikhathi eside ngokomlando futhi ngenzuzo yokuthi izinkokhelo zanyanga zonke zingabiza kakhulu izintshisekelo zakho. Ngenkathi kwenzeka okuphambene nalokho, kunembuyiselo yemali mboleko yamanani amisiwe, okuyilezo egcina isilinganiso senzalo esifanayo kuyo yonke impilo yemalimboleko. Noma yini eyenzekayo ezimakethe zezezimali ukuze ngale ndlela, sazi ngaso sonke isikhathi ukuthi yini okufanele siyikhokhe ngokusebenza kwalezi zici.

Ukudalulwa: Izixazululo

Esinye sezikhiye zokungafinyeleli kulesi simo esingesihle kusekelwe ekuhambisaneni nezibopho ngemuva kokwenziwa ngokusemthethweni kwemali mboleko yempahla. Ezimweni eziningi ikhula ngale ndlela, kepha kokunye ayinakuba njalo babhekane nalezi zinkokhelo Futhi ekugcineni uza esimweni sokudliwa. Ukuzama ukungafinyeleli kula mazinga sizonikeza ngochungechunge lwamathiphu okuphatha imali mboleko ngendlela efanele nokuthi akudingeki sinikele ngalo mkhiqizo wezezimali nganoma yisiphi isimo esingavela.

Iseluleko sokuqala ukuthi ngaphambi kokucela lo mkhiqizo ukuthola indlu, isimo sokuqashwa kwabamangali siyahlaziywa. Okusho ukuthi, uma ngabe inkontileka yokuqashwa ayinamkhawulo noma okuphambene nalokho, ingeyesikhashana noma ngabe ihlanganiswe ngaphakathi kweqembu labasebenzi abazisebenzayo. Ezimweni zokugcina, kuzoba nzima kakhulu ukukwazi ukuhambisana nezimo zempahla ebanjiswayo. Ngoba ayikho imali engenayo eqinisekisiwe futhi nganoma yisiphi isikhathi lesi simo esingafuneki singenzeka: ukungakwazi ukukhokha izitolimende zanyanga zonke.

Hlaziya umholo wabasebenzi

Esinye isici okufanele sihlolwe kusukela manje yilokho okuphathelene nokusebenza komsebenzi. Kunomthetho wegolide othi ngeke kudingeke ukhokhe ekubambeni kwempahla ngaphezu kuka-50% kubo. Ngeke kube yize ukubala ukukhishwa kokudla, izindleko zomuntu siqu, ukunakekelwa kwezimoto, izikweletu zasekhaya, umshuwalense, njll. Ngokombono, asikho isidingo sokujaha ukufunwa maqondana nenani lempahla ebanjiswayo. Ngoba esikhathini esimaphakathi nasesikhathini eside ingaveza imiphumela engalindelekile futhi engaholela ezimweni ezingakhokhi kulo mkhiqizo webhange.

Ngenkathi ngakolunye uhlangothi, iminyaka ye- ubukhulu enkampanini Kungenye yemininingwane ezobaluleke kakhulu ukubheka ukuthi sizokwazi yini ukubhekana nokubuyiselwa kwesikweletu esinikeziwe. Akufani nomsebenzisi osanda kungena enkampanini yakho kunalowo obesebenza iminyaka engaphezu kweyishumi. Ngale ndlela, kubaluleke kakhulu ukuthi sibe nokuzethemba enkampanini lapho sithuthukisa khona umsebenzi wethu wobungcweti. Kunoma ikuphi, imvamisa kungesinye sezici lapho kwenzeka khona futhi okungafuneki ukungakhokhi kwempahla ebanjiswayo.

Umshwalense wenkontileka wokuzenzakalelayo

Isixazululo sale nkinga ebalulekile ukubhalisa inqubomgomo yalezi zici futhi eqinisekisa ukuthi sizokwazi ukuyikhokha uma kwenzeka ingozi noma, ngaphezu kwakho konke, ukuhlala isimo esingasebenzi. Kunoma yiziphi izimo, ngeke kube ukusebenza mahhala kepha, kunalokho, kuzofanele sikhokhe imali njalo ngenyanga futhi ize iphelelwe yisikhathi. Ngenani elizobalwa kunani lesikweletu futhi lokho kuvame ukudlula amazinga wama-euro angama-200 ngenyanga. Kungumkhiqizo ongazikhethela kubafakizicelo balolu hlobo lwezezimali.

Lolu hlobo lomshuwalense lusebenziseka kakhulu uma singasebenzi ukuze ngale ndlela sikwazi ukuqhubeka nokukhokha isitolimende semali mboleko yempahla ebanjisiwe. Kulesi simo, kulula kakhulu ukubhalisa uma ingekho ingqikithi ukuphepha ngempilo yethu yokusebenza. Kunoma ikuphi, kufanele licatshangwe yikhasimende uqobo, lingaliphoqelelwa yibhange ngaphandle kwemibandela ngoba lingenza okungahambi kahle emikhubeni yalo.

Imigomo emide yokukhokha

Esinye isihluthulelo sokungazitholi ezimweni ezizenzakalelayo sisuselwa ekukhetheni izikhathi ezimfushane zokukhokha. Kuyiqiniso ukuthi kwizitolimende zanyanga zonke enye imali izokhokhwa, kodwa isikhathi esifushane. Ngale ndlela, ekugcineni kuzokhokhwa imali encane ngenzalo ngakho-ke imali mboleko izobe ishibhile. Ngenkathi ngakolunye uhlangothi, kuyisu elilula kakhulu ukunganyusi izinga lesikweletu kulabo abafaka izicelo zalesi sigaba semikhiqizo. Kuyathakazelisa ukuthi ubheke lesi sici ngaphambi kokusayina inkontileka.

Ngakolunye uhlangothi, iqiniso lokukhetha le migomo yokukhokha ngokushesha likhiqiza ukuthi ukungaqiniseki ukuze imalimboleko ingakhokhelwa kuzoba kuncane. Kuzoba lula ukuhlela izindleko ezizosibiza imali mboleko yendlu. Ngenxa yalokho, kuzoba nzima kakhulu ukungakhokhi inani kanye nenzalo yalo ehambisanayo. Kusuka kunoma iluphi uhlobo lwendlela ngabasebenzisi. Kuhlala kunenzuzo enkulu ukuqasha i- Isikhathi sokukhokha seminyaka eyi-15 kunomunye oneminyaka engama-30 noma engama-35 ubudala. Lapho izinkinga zingaba nkulu kusukela manje kuye phambili futhi lokho kuzodala ukungabaza okuningi mayelana nokuthi ungabhekana kanjani nezinkokhelo kuze kube kufanele.

Ukudalulwa

Inani lokubhaliswa kwezitifiketi zokuchithwa kwangaphambili okuqaliswe ekubhalisweni kwempahla kwikota yokugcina ka-2019 ngu-14.669, okungaphansi kuka-6,4% kunekota edlule kanye no-2,1% ngaphezulu kwekota efanayo yonyaka we-2018, ngokuya ngemininingwane yakamuva enikezwe yiNational Institute of Statistics (INE) ngokususelwa embikweni weStatistical on Foreclosures (EH). Lapho kukhonjiswa khona ukuthi phakathi kwemizi yabantu abadliwe impahla, i-1.490 iyindawo ejwayelekile (i-27,4% engaphansi kukota efanayo ka-2018) futhi ama-528 akuwona umkhuba wokuhlala wabanikazi (14,8, XNUMX% ngaphansi).

Ukudliwa kwekhaya kubanga u-50,1% wokuchithwa okuphelele kwekota yokugcina ka-2019. U-10,2% wokuchithwa okuphelele yimizi ejwayelekile yomuntu ngamunye. Ama-36,3% ahambelana nokuhlala kwabantu abasemthethweni (29,6% ngaphezulu kunakwikota yokuqala ka-2018) kanye no-3,6% kweminye imizi yabantu (i-14,8% iphansi kunekota yokuqala ka-2019). Ngokwabo, ukudalulwa kwezinye izindawo zasemadolobheni (amagceke, amagaraji, amahhovisi, amagumbi okugcina impahla, izindawo zokugcina izimpahla, izakhiwo zokuhlala, ezinye izakhiwo nokusetshenziswa kwedolobha) kubalwa u-37,5% wengqikithi.

Yenziwe emakhaya amasha

Umbiko owenziwe yiNational Institute of Statistics (INE) uyakuqinisekisa ukuthi u-22,9% wokudliwa komhlaba esikhathini esihlaziyiwe usemakhaya amasha kanti u-77,1% ukwamanye asetshenzisiwe. Inani lokudliwa kwangaphambili ezindlini ezintsha kwanda ngama-49,2% ngesilinganiso sonyaka nese-0,1% esetshenzisiwe. Ngenkathi ngakolunye uhlangothi, okungu-23,1% wokudilizwa okuqaliswe ezindlini kwikota yokugcina kuhambisana nemali ebolekwa imali eyenziwe ngo-2007, u-15,8% kuya emabhange asebenze ngonyaka ka-2008 kwathi ama-13,1% kwaba yimali ebolekwa ngo-2006. Isikhathi esiphakathi kuka-2005 no-2008 sibalwa ngama-59,9% kokuchithwa okuqale kulekota.

Umbiko osemthethweni uphinde waveza ukuthi okwamanje imiphakathi enezinombolo eziphakeme kakhulu zokuthola izitifiketi zokunqanyulwa kwengqikithi yamapulazi ngekota yokuqala ICatalonia (3.169), Umphakathi waseValencian (2.914) kanye ne-Andalusia (2.172). Ngakolunye uhlangothi, iComunidad Foral de Navarra (44), uPaís Vasco (55) noLa Rioja (62) babhalise inombolo ephansi kakhulu. Mayelana nezindawo zokuhlala, iCatalonia (1.633), iValencian Community (1.524) ne-Andalusia (1.182) baveza isibalo esiphezulu sokubulawa kwabantu. Ngakolunye uhlangothi, iLa Rioja (11), iComunidad Foral de Navarra (21) nePaís Vasco (34) yizona eziphansi kakhulu kulesi sigaba sokudliwa kwezindlu.

Lapho kukhonjiswa khona ukuthi phakathi kwemizi yabantu abadliwe impahla, i-1.490 iyindawo ejwayelekile (i-27,4% engaphansi kukota efanayo ka-2018) futhi ama-528 akuwona umkhuba wokuhlala wabanikazi (14,8, 59,9% ngaphansi). Lapho kugcilwe khona okungama-XNUMX% kokuqagelwa komhlaba.


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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.