Ukunikezelwa kwemali ebolekwe ngemali kuye kwaqiniswa zizinto ezijongene nokuthengisa ezi mveliso ukuze zithengwe ikhaya, emva kweengxaki zenkqubo yebhanki yaseSpain. Kwaye ukuba sele kunzima ukufikelela kubambiso, ngakumbi ngakumbi ukuba abafaki zicelo ziimayile zemitha. Ukuba le yimeko yakho ekhethekileyo, uya kuba nomsebenzi onzima ukwenza isicelo samkelwe, kuba uya kuncitshiswa kakhulu ngumvuzo wakho ophantsi. Ngaphandle kokuba uyijoyine nomvuzo weqabane lakho njengesisombululo sokukuvumela ukuba usebenze ngokusesikweni lo msebenzi.
Kodwa kwasekuqaleni, owona mbuzo ubalulekileyo abasebenzi abafumana umvuzo kwi-euro eyi-1.000 XNUMX ngenyanga bazibuze ukuba baya kuba nakho na ukufikelela kwezi mveliso zebhanki. Ewe, njengesiphumo sokuncitshiswa kwemivuzo- ethathwe kwingxaki yezoqoqosho eSpain eye yadlula kuyo- ezinye iibhanki zigqibe kwelokuba zinciphise elona xabiso lincinci lokuhlawulwa kwabaxumi bazo. Kwiminyaka ethile edlulileyo bebeyifuna ngexabiso elijikeleze i-3.500 ye-euro ukuze inikwe imali mboleko. Okwangoku banokufumaneka kwi-2.000 euro.
Kodwa eyona nto ibalulekileyo kukuba ezinye izinto zebhanki- nangona zinezindululo ezithile kwaye zinqabile- zilungiselele uthotho lweekhredithi ezinokuthi zenziwe ngokusemthethweni ngumsebenzi. Awuyi kuba nakho ukufumana ezininzi, ziyinyani, kodwa ubuncinci banendawo yokungena kulwabiwo-mali lwangoku. Ngale ndlela, fikelela kwintengiso yezindlu kunye neziqinisekiso ezizeleyo.
Iimpawu zezi zibambiso
Nangona kunjalo, ezi mveliso zibandakanya uthotho lweempawu ekufuneka uzithathele ingqalelo xa uza kuqesha nayiphi na kwiinyanga ezizayo. Njengesiqalo, esona sixa siphezulu ekubonelelwa ngaso ziibhanki awunaso nesisa kwimali mboleko eqhelekileyo. Nkqu Unokufikelela kuphela kwimali ukuya kuthi ga kwiipesenti ezingama-80 zomsebenzi.
Nangona esi sicwangciso-nkqubo sorhwebo sisetyenziswa zizo zonke iibhanki kuyo nayiphi na imveliso yazo yezemali, kwaye ngenxa yesindululo esenziwe yiBhanki yaseSpain sokunciphisa isixa sokugqibela sebango. Enye yeziphumo oza kuyibona ngaphambili kukuba naphantsi kwazo naziphi na iimeko uya kuba nakho ukuxhasa wonke umsebenzi.
Enye into ekufuneka uyithathele ingqalelo kukuba imiqathango yokuhlawula iya kuphakama kakhulu ukuze ihambelane nomvuzo wakho. Ke, Uya kuhlawula iintlawulo ezisezantsi zenyanga, kodwa ixesha elide. Sisisombululo ekuphela kwaso esenziwe ukuba sikwazi ukulungelelanisa nomvuzo ophantsi kangako. Ewe kunjalo, kuya kuba yinto enomdla kuwe ukuba ujonge imodeli yenkxaso mali eya kuthi ivelise iindleko ezincinci ezinokubakho, kwaye ukuba yenziwe ngaphandle kwekomishini (ukuvulwa, ukufundwa, ukurhoxiswa kwangoko, njl.njl.), Okanye ezinye iindleko kulawulo lwayo , emva koko kubhetele kwiminqweno yakho.
Zeziphi iimali ezibolekwa imali zeemayile zemitha?
Umsebenzi wakho wokufumana imali mboleko egcina le migca yorhwebo kuya kuba nzima kakhulu ukuyifaka, kodwa ukuba uhlalutya ngononophelo isithembiso esikunikwa ziibhanki ngeli xesha, uya kufikelela kwisigqibo sokuba kukho ithemba ukuze uthenge loo nto Indlu oyithandayo kakhulu ngenye imini, kodwa ubungaqinisekanga ukuba ungayenza na intengiselwano yemali.
Kuyinyani ukuba awunanto unokukhetha kuyo, kodwa ubuncinci uya kuba nethuba lokuxhasa ngemali ukufunyanwa kwepropathi okhethiweyo. Esinye sezindululo sivela kwi-ING ngqo, ethi ithengise iMortgage eOrange, yona lelabathengi abahlawulwa kakhulu, okanye ubuncinci bagcina ibhalansi encinci kwiakhawunti yabo yokujonga ejikeleze i-2.000 euro. Ukuba uhlangabezana nale mfuno mincinci, uya kufumana olona khuphiswano lubolekisayo lokuthenga ngendlu kwintengiso.
Inxulunyaniswe nomgangatho waseYurophu, owaziwa ngcono njenge-Euribor, ukusuka kwi-0,99%, kunye nexabiso eliguqukayo-emva kokuthotywa kwiinyanga ezidlulileyo-ze-1,88%. Ngayiphi na imeko, yenye yezona zinto zibambekayo zibambisa ukutyikitya umsebenzi. Kwaye oko kuthetha ukuba kukhululwe kulo naluphi na uhlobo lweekhomishini, ngaphandle kwegatya lomgangatho nokuba, kwaye ekugqibeleni alinayo inzala ephezulu kunyaka wokuqala. Ezona mpawu zawo ziphambili.
Kodwa ayisiyiyo kuphela inketho onokuyisebenzisa ukusukela ekuqaleni kuka-2016. ILa Caixa ikunika elinye ithuba, ukuze ngomvuzo wakho ukwazi ukwenza umsebenzi wokuthengisa izindlu nomhlaba, ukuba lo ngowona mnqweno wakho ungxamisekileyo. Kule meko, ngokusebenzisa i-Bonus Mortgage, enokuthi ibhaliswe ngabaxumi abanengeniso encinci ye-euro ezingama-600.
Inqanaba lenzala linxulunyaniswa ne-Euribor + 1,90%. Kodwa inokwehliswa ukuba wenze isivumelwano nezinye iimveliso kunye nequmrhu (i-inshurensi, izicwangciso zepenshini, iinkqubo zokonga, imali yotyalo-mali ...), de kube kufikelelwe kwimida enokuthi ithathelwe ngumlinganiso weakhawunti yakho yokutshekisha.
Olunye uhlobo lokubolekwa kwemali oluye lwaqhelaniswa ne-mileuristas lolunye luphuhliswe ngu-Abanca, phantsi kwegama elinomdla likaHipoteca Mari Carmen. Kwaye ikwafumaneka kubafakizicelo abanomvuzo omncinci. Imali mboleko yobambiso leyo Ukubonelela ngesavenge esimiselweyo kubo bonke ubomi bokubambisa, kakuhle. Ngayo uya kuhlawula umrhumo ofanayo ukusuka kumzuzu wokuqala kwaye ude uvale ikhontrakthi. Akukho zinkxalabo okanye utshintsho olungalindelekanga, kwaye luhlengahlengiswe ngokukodwa kwikota olikhethayo, nokuba kungama-20, 25 okanye ama-30 eminyaka. Ngenqanaba lenzala le-2,49%, kwixesha elininzi lokuhlawula iminyaka engama-20.
Ukuba ukhetha le modeli yenkxaso mali, uya kugcina iikhomishini zokuvula, zokufunda, zokwenza uhlengahlengiso kunye nolungiso lwesivumelwano, kwaye ukuba uthatha isigqibo sokuhlawula inxenye okanye yonke imali mboleko kwangaphambi kwexesha, kuphela ikhomishini yomngcipheko wenzala eya kusebenza.
Baza kukubuza ntoni malunga nemvume?
Ukubuyisa Kuya kufuneka uhlangane nothotho lweemfuno ezisisiseko ukufikelela kuzo naziphi na ezi mveliso zebhanki kwii-mileuristas. Abayi kuba nzima kakhulu ukugcwalisa, nangona ngaphandle kwabo ngokuqinisekileyo uya kuvotelwa isicelo. Kukulungele ukuba uhlalutye ukuba ungazichaza ebhankini, kuba ukuba akunjalo, kungcono uyeke ukuzama, kuba yonke into oza kuyenza kukuchitha ixesha, kwaye mhlawumbi nokukhohlisa.
Njengombhalo wencwadi, Ibhanki iya kukucela ikhontrakthi yengqesho, ekufuneka ilungisiwe -Kodwa phantsi kwesixa esilinganiselweyo-ukuqinisekisa uzinzo lwakho kwinkampani, kwaye ungayibuyisa ngexesha elimiselweyo ekuvunyelwene ngalo. Kuya kufuneka unikezele ngembali yebhanki engafakwanga ngokupheleleyo, ngaphandle kwamatyala, kwaye ukuba kunokwenzeka ngeakhawunti yokujonga esempilweni. Kwaye ukuba wenze isivumelwano nezinye iimveliso kunye nequmrhu, ngokuqinisekileyo iya kukunceda ukonyusa ukuvunywa kwesicelo sakho.
nayo, Akufanele ubandakanywe kulo naluphi na uluhlu lwabangathobeliyo (i-ASNEF, iRAI, njl., kuba ukuba kunjalo, baya kusala isicelo sakho ukusuka kumzuzu wokuqala. Ayisiyiyo kuphela amatyala ekuvunyelwene ngawo namanye amaqumrhu ebhanki, kodwa ikwakho nokungagqibeki okwenziwe kuwo nawuphi na umrhumo wasekhaya (umbane, amanzi, umnxeba, umbane, njl. Ukugqiba, kuwo onke amathuba, baya kufuna ukuba umntu axhase lo msebenzi. Ngokwesiqhelo baya kuba ngabazali okanye ezinye izalamane ezisondeleyo. Kwaye oko kunikwe iimeko ezibuthathaka ozibonisayo, ziya kuba ngabo ekugqibeleni baqinisekisa ukubuya kwemali efunekayo.
Ezinye iingcebiso ngokuqhubekeka
Ewe kunjalo, ayizukuba yinkqubo elula yokwenza ngokusesikweni, kude nayo, ubunzima ukuba ungenisa isikhokelo sokuziphatha kuyo, ziya kukunceda kakhulu ukuba ufezekise injongo yakho. Ayikho enye into ngaphandle kokuba nemali mboleko yobambiso yokuthenga loo ndlu oyithandileyo kwimpelaveki ephelileyo.
Nangona usazi kwangaphambili, ukuba amathuba akho okubhalisela imveliso yezi mpawu acace gca kunokuba ubonise irhafu ye-2.000, 3.000, okanye i-5.000 euro. Unale meko xa uqala uthethathethwano nebhanki.
- Ukuba utshatile, okanye uneqabane, kuyanqweneleka kakhulu ukuba unyuse ibango lobambiso ngezixhobo zoqoqosho zabantu ababini, nokuba nobabini niye kwi-mileuristas. Akumangalisi ukuba amathuba okufumana ikhredithi aya kunyuka.
- Ungazami ukujonga iimali ezixhomileyo kumgangatho wakho wokuphilaNokuba le mali ayiyixhasi yonke le nto, kuba awuzukukwazi ukuyifumana phantsi kwayo nayiphi na imeko. Ukongeza, abayinikeli phantse kuyo yonke imali yebhanki.
- Ukuba unikezela ngengxowa yokonga ukwenza lo msebenzi, kuya kuba lula kuwe ukuba ube nebango elivunyiweyo, kwaye okukhona kubanzi kokukhona kulunge ngakumbi, kwanele ukuba uzilinganisele kweyona migaqo icetyiswayo yemeko yakho yezemali.
- Akufuneki unikeze kuphela umvuzo ozinzileyo, kodwa nayo Unenye ingeniso ethe rhoqo ezinikezela ukungaguquguquki kugqatso lwakho. Nokuba baxhamle kwilifa losapho.
- Musa ukuphelelwa lithemba ekukhangeleni ubambiso lwezi mpawu, kuba nangona bambalwa kakhulu abo bathengiswayo ngalo mzuzu, kuyakuhlala kukho ithuba kubantu abanjengalesi bakho abakule meko yomsebenzi, nangona iindlela zinqongophele kakhulu, kwaye kwiimeko zinzima.
- Iimodeli ozifumanayo phantsi kwale mfuneko, Ziyathengiswa ngeemeko ezintle kakhulu kwimidla yakho, Kunye nezibonelelo zabo ezihlaziywa rhoqo ngonciphiso olukhulu lwenzala esetyenzisiweyo.
- Cinga, kwelinye icala, ukuba lixesha elifanelekileyo lokwenza isivumelwano, njengoko umlinganiso waseYurophu ungaphantsi komgangatho osezantsi wembali, ukugcina imali eninzi ekusebenzeni.
- Kwaye okokugqibela, zama ukufumana eyona meko ilungileyo yokwenza isivumelwano semali mboleko yakho yempahla, ngaphandle kokuzikhawulela kwizindululo endiziphosa kuwe ukusuka kwibhentshi yobomi bakho bonke.