Kuyisu elithuthukiswa ngamandla amakhulu ukwenza ngcono izimo zempahla ebanjiswayo ngokwesivumelwano sakho. Okuthile okulula njengokuguqula noma iyiphi ingxenye yenkontileka ukuze izuze kokunikezwayo okulethwa ngalo mkhiqizo wezezimali. Kepha hhayi kuzo zonke izimo kufanelekile ukwenziwa kube semthethweni. Ngenxa yochungechunge lwezinto ezizoncika ngokuyisisekelo ku- izindleko ukuthi umsebenzi omusha uhlanganisa.
I-Subrogation ingenziwa phakathi kwabantu kanye nokuvame kakhulu, phakathi kwezinhlangano zezezimali. Yebo, lo wesibili, obizwa ngokuthi yi-creditor subrogation, wethulwa ngaphansi kwefomethi eguquguqukayo ye- khuthaza ukuncintisana phakathi kwamabhange. Ngoba iqukethe ukuguqula imali ebanjiswayo isuke kwesinye isikhungo sezezimali iye kwesinye esithuthukisa kakhulu izimo zenkontileka.
Ngezinzuzo eziningana ezinganikeza ukuthi abasebenzisi baqukethe izindleko zabo. Ngoba empeleni, igwema ukukhanselwa kwayo futhi ngenxa yalesi senzo, ukwenziwa ngokusemthethweni kwemalimboleko entsha yempahla. Inani eligciniwe ngemuva kokwenza lo msebenzi ngokusemthethweni lingafinyelela kufinyelela ku-2% wenhlokodolobha efunwayo, okuyinani elitholwe ekukhishweni kwamakhomishini alo amakhulu (ukukhansela, ukutadisha noma ukuvula). Ngokuzijwayeza kuzosho ukuthi kwimali mboleko emaphakathi yama-euro ayi-200.000 izokhiqiza ukonga okusondele kuma-euro angama-4.000.
Njengendlela yokutshala imali
Ngalesi sikhathi, isitini sesiphenduke ithuluzi elisha lokuhambisa utshalomali ngabantu ngabanye. Kuze kube seqophelweni lokuthi abanye babo bakhethe leli qhinga elihlukile lokwenza ukonga kwabo kube nenzuzo. Kunezizathu ezimbili zokukhetha lesi senzo futhi lokho kusenza sanelise izintshisekelo zakho. Ngakolunye uhlangothi, i- ukusebenza okuntekenteke kokungenayo okungaguquki kwemali engenayo (imali efakwa esikhathini, amanothi ezethembiso zebhange, izikweletu zomphakathi, njll.). Lapho ungavamile ukuthola imbuyiselo enkulu kune-1%. Ngakolunye uhlangothi, amathuba okuthi ukukhuphuka ezimakethe zamasheya aqediwe. Noma ukusikeka okubalulekile kungenzeka kwenziwe kusukela manje kuqhubeke.
Ngakolunye uhlangothi, ukwanda okwenzekayo ekusebenzeni kwezezakhiwo. Lapho kunabasebenzisi abaningi abakhetha lolu hlelo yenza izimpahla zakho zinenzuzo. Ngalo mqondo, ukwehliswa kwenzalo yemali mboleko ekhangiswa yizikhungo zezezimali kuhlobene kakhulu nakho. Kulokho okwenziwe njengesimangalo sokubaqasha ngezimo ezingcono zenkontileka. Ngokusebenzisa amasu ahlukene asetshenziswa ekwenzeni lo mkhiqizo wezezimali ngokusemthethweni.
Isakazeka ngaphansi kuka-1%
Ngalo mqondo, imalimboleko yempahla ongayithola kusuka manje kuqhubeke njengamanje izimo zokuncintisana kakhulu kunakuqala. Akumangazi ukuthi ungazithola namuhla unempahla ebanjiswayo enokusabalala okungaphansi kwe-1%. Ngaphezu kwalokho, ingxenye enkulu yokunikezwa eyenziwe ngamabhange yi- ikhululiwe kumakhomishini nakwezinye izindleko ekuphathweni kwayo. Ngesikhuthazo esingeziwe sokuthi ungashintsha imali yakho oyibolekile ukuze wonge imali ebaluleke kakhulu kubhalansi ye-akhawunti yakho yokubheka
Iminikelo kuleli banga lomkhiqizo ivame kakhulu phakathi kwamabhange. Kunoma ikuphi, banikela ngenzalo ethambile kuneminyaka embalwa edlule. Inkinga kuphela yokwenza kwayo ngokusemthethweni ukuthi imibandela yokuvunywa kwayo iphakanyiswe kakhulu. Akusenele ukwethula i-payroll, kepha ukusebenza kufanele kusekelwe yi-a umlando omuhle kakhulu webhange ngumthengi. Ibuye inikeze nethuba lokwehlisa inzalo ngesibopho esikhulu phakathi kweklayenti nebhange lakhe. Ngale ndlela, inani lenzalo lingehliswa ngamaphesenti ayishumi wephoyinti. Yize kulokhu kuzodingeka ukwenza isivumelwano neminye imikhiqizo yasebhange. Phakathi kwazo, izimali zokutshala imali, izinhlelo zempesheni, umshwalense wasekhaya noma imali yesikhathi phakathi kwezinye ezifanele kakhulu.
Intshisekelo yokuthenga ikhaya
Zonke lezi zinto zibe nomthelela omkhulu ekutheni ukuthengwa kwekhaya kuyinto ekhona. Futhi okhipha okuphezulu kakhulu okuvezwa ukubekwa kwemali mboleko. Elinye isu elenzelwe ukonga ama-euro ambalwa ekwenzeni lo msebenzi ngokusemthethweni. Yize kuzodingeka ukuyihambisa ngendlela eyiyo kakhulu. Ngoba empeleni, ngeke kube njalo ukuhamba okunenzuzo kuzintshisekelo zakho. Ngisho ungalahlekelwa yimali uma ungayifaki kahle. Kungakho kubaluleke kangaka ukuthi wazi ukuthi luqukethe ini lolu hlobo lwemisebenzi eyingqayizivele.
Ngalokhu uzoba nochungechunge lwezinsizakalo ezifundisayo inhloso yazo enkulu ukuthi ukuthi wazi okwengeziwe ngalezi zibambiso zesici. Ngoba ingasiza kalula kunoma yisiphi isimo ongahlangabezana naso. Lapho kuzodingeka khona ukuthi ushintshe isikweletu sakho sempahla ukuze uthuthukise ama-akhawunti akho kusuka kulezi zikhathi eziqondile. Uma ulandela ngokucophelela ukuthi le nqubo ikhula kanjani, uzoba nokuncane okulula, hhayi kuphela ukutshala imali ekhaya, kodwa futhi naku nokwandisa ukusebenza. Ngoba isitini siphinde saba ngomunye wemithombo ebaluleke kakhulu yokutshala imali.
Izimali ezibolekwa ngokushintshwa kwerejista
Kodwa-ke, imininingwane yenyanga kaJuni yalo nyaka, futhi ekhishwe yiNational Statistics Institute (INE) ayinathemba elikhulu ngokwamukelwa kwalokhu kusebenza kwamabhange ngabasebenzisi. Ngoba empeleni, bakhombisa ukuthi inani lokusebenza eliguqule ibhizinisi (ama-subrogations kuya kokweletwayo) uwe 37,4% uma kuqhathaniswa nenyanga efanayo yangonyaka odlule. Akumangalisi ukuthi lo msebenzi wenziwa lapho kuqinisekiswa ngokuphelele ukuthi imibandela yenkontileka yalo mkhiqizo webhange izothuthukiswa. Okuthile okungenzeki njalo, njengoba kuzoqinisekiswa. Futhi lokho kwenza abaphathi abaningi basabele kulokhu kuhluka kwesivumelwano.
Kunoma ikuphi, ukwehla kwentengo ye-Euribor (- 0,124% phakathi nenyanga kaMeyi) kudale ukuthi amabhange njengamanje abe nemali mboleko enokusabalala okungaphansi kwe-1%. Isici esidala ukuthi abanye abasebenzisi bafune ukuguqula umugqa wabo wesikweletu ngokuthenga ikhaya. Ngakolunye, kuzuzisa kakhulu izintshisekelo zabo futhi lokho kwenza ukonga okuningi ezindlekweni zabo. Kusuka emazingeni aqala kusuka ku-2%, noma kukhulu ngokwengeziwe, lapho baqashwa khona eminyakeni eminingana edlule. Yebo, kulesi simo kunenzuzo enkulu ukwenza lokhu kuhamba kwempahla, ngakho-ke kunengqondo ngokuphelele ukuthi balubheka lolu shintsho kucebo labo lezezimali. Kepha ngochungechunge lwezinyathelo zokuqapha ukuze ungaphazamisi okulindelwe kwakho okuqukethe izindleko kwi-akhawunti yakho yokuhlola.
Ukwelashwa kabusha ngezindleko zezomnotho
Kodwa-ke, kubalulekile ukwazi ukuthi lo msebenzi ngeke ube mahhala kunoma yiliphi icala. Okokuqala, ngoba kuzofanele kubhekwane nakho uchungechunge lwezimali ezikhokhelwa ukwenziwa ngokusemthethweni kwalo (Izaziso zokubhala, ukubhalisa, ukuphatha kanye nokuhlola). Yize ingxenye ethatha iminikelo ethe xaxa yezezimali ihlala kwikhomishini amabhange ayisebenzisela lo mqondo. Phakathi kuka-0,25% no-0,50% kubhalansi esele, nokuthi ekubambisweni kwemali eyi-100.000 euro kungasondela kuma-euro angama-500. Leli iphesenti elivumelekile kuyo yonke imisebenzi eyenziwa kusukela ngo-Ephreli 2003. Kunoma ikuphi, ngeke kube khona okunye abangakwenza ngaphandle kokuhlaziya izigaba zesivumelwano ukuze kuqinisekiswe inani laso nokuthi ngabe le nhlawulo ifakiwe yini. Ngoba ngisho nayo yonke imali mboleko yempahla ayibandakanyi. Isimo sakho siyahluka ngokuya ngemodeli ekhethiwe.
Isinyathelo esilandelayo ukubala ukuthi kuzokufanele yini ukwenziwa ngokusemthethweni kwempahla emisha ebanjiswayo. Ngoba kungenzeka ukuthi umehluko phakathi kwenani eligciniwe nezindleko zalolu shintsho mncane. Noma okungenani ngaphansi komehluko ongasho lutho lokho kuzokwenza ukungabaza ngokusebenza kwalesi silinganiso. Kuze kube seqophelweni lokuthi eziningi zalezi zimo, izihloko zezindaba zithambekele ekuqhubekeni njengakuqala.
Izinzuzo ezinikezwa ngamabhange
Akuwona wonke amabhange anikela ngezikweletu zawo ngalesi sici. Ukufika lapho kuzodingeka khona ukuhlaziya okunikezwayo kwamanje ukuthola ukuthi iziphi izikweletu ezibanjiswayo ezingaguqulwa ibhizinisi futhi ngaphansi kwaziphi izimo. Enye yalezi zinketho ivela kufayela le- I-ING Direct Orange Mortgage Ithengiswa ngokutholakala okuphelele ukuze amaklayenti ayo akwazi ukukhetha enye imodeli yezimali eletha izimo ezingcono. Ngoba yenziwa ngaphandle kwanoma iyiphi ikhomishini yokubekwa kwayo ngaphansi. Inkululeko yokwenza ngokusemthethweni ukwenzelwa ngokwesivumelwano, ngakho-ke, iphezulu.
Imali ebanjiswa ngeBankinter's Sin, yona yakha i- ikhomishini ye-subrogation engu-0,50% eminyakeni emihlanu yokuqala kanye no-0,25% isikhathi sonke esisele. Ngakolunye uhlangothi, amanye amabhange, asekela isu lawo lokuhweba ekucabangeni izindleko zokuphatha, ukubhaliswa kwempahla nokuhlolwa. Njengecebo lokuhweba lokuheha inani elikhulu lamakhasimende.
Yize ngokuvamile ukwenziwa ngokwesivumelwano kungewona umsebenzi wamahhala. Esikhundleni salokho, kudinga ezinye izindleko ezivela ekusetshenzisweni kwayo ngokomthetho noma ngenhlawulo ebekwe ezikhungweni zezezimali uqobo. Ukhiye ukuthi inani eliphumelelayo lenza uchungechunge lokonga maqondana nemodeli yenkontileka yangaphambilini. Lapho mhlawumbe kuphela isiphakamiso esihle kakhulu isisusa sokushintsha umqondo wakho.