Idatha yamva nje epapashwe liZiko leSizwe leeNkcukacha-manani (i-INE), elihambelana nenyanga kaJanuwari ka-2016, bonisa ukuba uninzi lwabasebenzisi abaqeshe indlu baye babhekisa kwimali mboleko yabo kwi-European benchmark index, eyaziwa njenge-Euribor. Oku kuqinisekisiwe kwezi datha zamva nje, apho I-94,0% yeekhontrakthi ezintsha ezenziwe zasebenzisa eli khonkco kwimali mboleko yazo. Kwaye nakweyiphi na imeko, ngaphezulu kwezinye iibhentshi ezincinci.
Kule meko ngokubanzi, into yokuba i-Euribor ngokwembali ibekwe kumhlaba ongalunganga ichaphazeleka ngokukodwa. Ewe kunjalo, ngoku ikwi-0,012%. Kwaye njengesiphumo se Ixabiso eliphantsi lemali yiBhanki eNkulu yaseYurophu (i-ECB), eyishiye kwenye yeentlanganiso zayo zokugqibela kwi-0%. Ngokuqinisekileyo imeko ye-atypical kwaye engaqhelekanga ekufuneka ichaphazele bonke abasebenzisi, ngakumbi abathengi abanayo okanye abaza kwenza imboleko mali yobambiso.
Ayothusi into yokuba ngumbuzo abazibuza wona aba bantu, ukuba inzala ephantsi kangaka izakuchaphazela njani ukubambiswa kwabo, kwaye njengakule meko ngokukodwa, ezimbi. Ewe, kumgaqo ubakhonze ukuze Ukusasazeka kunciphise kakhulu. Ngenxa yoko, bahlawula izavenge ezifikelelekayo zanyanga zonke, nto leyo ebangela ukonga ukwenza isivumelwano kwezi mveliso zebhanki.
Ukusasazeka ngezantsi kwe-1,50%
Iibhanki zithathe isigqibo sokuziqhelanisa nemeko entsha kwaye zinike abathengi bazo ezinye zazo imali mboleko eneemeko ezingcono ekuqeshweni kwakho. Ngokusisiseko kuncitshisiwe ekusasazeni kwabo. Baye baphumelela kwiinyanga ezimbalwa zento engaphezulu kwe-2% Ukuzibeka kwezona zindululo zinoburhalarhume ngaphantsi komqobo we-1%. Nge-avareji kunciphiso lwesiqingatha sepesenti. Kwaye ngokwenza oko kuthetha ukuba uhlawula i-euro encinci kwisavenge sakho inyanga nenyanga.
Ewe kunjalo, okoko nje ubambisile ubambisile unxulunyaniswa nomdla oguqukayo. Ukuba nangasiphi na isizathu, ubanike ikhontrakthi kwinzala emiselweyo, ngekhe ubenakho ukuxhamla kunciphiso lwezindlu, okanye kwimeko apho isalathiso somlinganiso waseYurophu sigcinekile kwiinyanga ezidlulileyo. Ukuza kuthi ga ngoku kuhlala kuphela ukubona ukuba lo mkhwa uza kuhlala ixesha elingakanani. Nangona, kakade, sele kukho igumbi elincinci lokuqhubeka nokuhla kwenqanaba lenzala.
Iibhanki, kwelinye icala, zizama ukukhuthaza ukwanda kwezithembiso zokujongana nokhuphiswano. Y abathandabuzi ukuthoba inzala ngesiqhelo esithile, de ubashiye kwezinye iimeko ezithile kwi0,85%, esona sisindululo silungileyo onokufumana ngalo mzuzu, kwaye ngaphandle kwemeko ezithile ezicingelwa zizivumelwano zabo. Ndimisele isithembiso sokuba zonke iibhanki zikazwelonke beziphuhlisa.
I-Euribor: Iimeko ezingcono
Iya kuba naliphi ifuthe kubasebenzisi bebhanki? Alithandabuzeki elokuba umdla uya kuhla, njengoko bekusenzeka kwiinyanga ezithile. Kodwa ngengxaki njengoko kuchaziwe ngabaphetheyo ababalulekileyo bebhanki abajongene nokuthengisa ezi mveliso. Kwaye kukuba ukugcina umdla wabo abayi kuba nandlela yimbi ngaphandle kokunyusa okanye ukudala iikhomishini ezintsha ezinokulimaza umdla wabambiso.
Ngenxa yoko, ukwenziwa ngokusemthethweni kwemali mboleko yokuthenga indlu kuya kubiza ixabiso eliphantsi, kodwa bohlwaywa phantsi kwekomishini ezibanzi ngamashishini akhupha izinto. Ngamafutshane, yinto onokuyilindela ukusukela ngoku ukuya kwiofisi yakho ukuya kucela enye yezi mveliso.
Kodwa ngelixa le meko intsha ifika, amacebo amaziko emali abakhokele ukukhuthaza uthotho lwamacebo orhwebo ezijolise ekwenzeni imali mboleko enxulumene ne-Euribor ibe nomtsalane ngakumbi kubaxumi babo. Luhlobo olwahlukeneyo, kwaye njengeyona njongo iphambili yokuphucula imeko yakho yokubhala. Zihlala ziphindaphindeka kakhulu, nangona ezinye zinokuchukumiseka ngakumbi zihlala zibonakala.
Eyona isetyenzisiweyo kukuba ungalihlawula ixabiso lentengo yemali-mboleko esekwe kwiimveliso onazo kwibhanki yakho (iimali mboleko zakho, i-inshurensi, izicwangciso zepenshini, iipotifoliyo yezokhuseleko, njl. Kwaye ukusebenza kwayo kulula kakhulu, kuba isekwe kwinto yokuba njengoko usenza ukuba iimodeli zebhanki zibe zezisesikweni, inzala iya kuncitshiswa ngokuthe ngcembe inxulunyaniswe nobambiso lwakho olunxulumene ne-Euribor. Ngepesenti ephezulu ejikeleze i-2%
Isidingo sokuhlawula
Enye yeemfuno zeebhanki isekwe kwinto yokuba baya kuyifuna loo nto hlawula umvuzo wakho (okanye enye ingeniso yesiqhelo), kunye namatyala asekhaya aphambili (umbane, amanzi, igesi, iselfowuni ...), ikukunceda ukuba ubeneendleko zakho kwimali mboleko yezindlu. Zihlala zithengiswa ngaphandle kwekhomishini, okanye ezinye iindleko kulawulo lwazo okanye kulondolozo. Ukwenza ukwenziwa kwayo ngokusemthethweni kube nomtsalane ngeli xesha.
Kodwa ayisiwo kuphela amabango athi iibhanki zithengise olu hlobo lwemveliso kubathengi bazo abaphambili. Umkhwa kwiinyanga nje ezidlulileyo kukuba kukho ngaphandle kwegatya lomhlaba, emva kweempikiswano ezinamandla nemibutho yabathengi kunye nabasebenzisi bebhanki. Le meko intsha iya kukuvumela ukuba uthathe ithuba lokwehla kwebenchmark yaseYurophu nangakumbi, nangaphezulu kunokuba ucinga ngakwimeko yangoku yokuthintelwa kwemali. Ukuthintela le ngxaki, awunaso esinye isisombululo ngaphandle kokujonga kwakhona ukuprinta okuhle kwesivumelwano, ukuba kunokwenzeka sibandakanye eli gatya lingathandekiyo kwimidla yakho yokuba ungumnini wemali mboleko yokubolekwa kwemali.
Kwaye oko nakweyiphi na imeko kukhokelele nakwimayile yokuhamba, ngengeniso ejikeleze i-euro eyi-1.000 XNUMX, bakwazi ukuthenga ikhaya labo. Kuyinyani ukuba abanazindululo zigqithisileyo, kodwa ubuncinci abagxothwanga kwintengiso yezindlu. Ukubala ngaphezulu kwefomathi enye ebonisa ezi mpawu zikhethekileyo. Ngokuqhelekileyo yenzelwe umvuzo ukusuka kwi-750 euro, into engacingekiyo kwiminyaka embalwa edlulileyo.
Ukuba uyazamkela naziphi na ezi mfuno zibekiweyo ziibhanki, ngaphandle kwamathandabuzo ungaphucula amazinga enzala, Ubuncinane sisiqingatha sepesenti, kwaye ngokubhekisele kumaxabiso okuqala athi amaziko afake isandla kwizibonelelo zawo. Nangona unengxaki yokuqonda ukuba awukwazi ukuba kuya kwenzeka ntoni kule minyaka imbalwa izayo. Apho imeko ye-Euribor inokuthi itshintshe. Ayothusi into yokuba kungalindelwanga ukuba ingaqhubeka kule meko kangangeminyaka eli-10 okanye engama-20 ngaphezulu. Iya kuba yimeko ekufuneka ucingisise ngayo ukuba uza kubhalisa ubambiso ngoku ukususela ngoku.
Iimpawu zobambiso olutsha
Ngalo lonke utshintsho olwenziwe kwimali mboleko, ngenxa yokwehla kwenqanaba lenzala kwi-Euribor, kukho olunye uthotho lwezinto eziguqulweyo kule minyaka idlulileyo, kwaye kuya kufuneka uyazi ukulawula ngcono iimeko zale mveliso yebhanki. Kwaye ngakumbi ukungafumani isimanga esibi.
Ukuqala, lungisa imali oyigcinileyo ukuze wenze umsebenzi ube sesikweni, ukusukela abayixhasi ngezimali ngokupheleleyo. Kodwa, ngokuchaseneyo, bafikelela kwi-70% kunye ne-80% yexabiso labo elibekiweyo. Ukwenzela ukuba abathengi banganyusi ngendlela eyingozi inqanaba labo lamatyala, njengoko kulumkisiwe ziibhanki zaseYurophu ezikhuphayo, kwaye kule meko ngakumbi iSpanish. Ukuba awunayo ibhegi yokonga encinci, kuya kuba nzima ngakumbi kuwe ukuvala ukusebenza kunye nequmrhu.
Malunga nokuhlawulwa kwabo, bancitshisiwe kakhulu. Sele kunzima kakhulu ukutyikitya ikhontrakthi iminyaka engama-40 okanye engama-50, njengoko ubunjalo ngokuphindaphindiweyo kwiminyaka elishumi eyadlulayo. Ubolekiso lwangoku lubonisa ixesha elifutshane lokugqibezela umsebenzi, ohamba kwinqanaba elincitshisiweyo eliqala kwiminyaka engama-25 ukuya kuthi ga kuma-35 njengomda ophakamileyo. Isicwangciso esitsha kwicala leebhanki ukwenzela ukuba ukukhula kwayo kufutshane, kwaye babuyisele imali yabo kwangoko.
Iingcebiso ezi-5 zokufumana eyona mali ibambekayo
Ewe lixesha elifanelekileyo lokuba ubhalise ngoku le ntengiselwano yokuthengiswa kwezindlu, kunye nezinto ezininzi eziluncedo kuwe, kwaye onokuthi uthathe ithuba kuzo kunikezelo lobambiso lwangoku, emva kokuwa kwe-Euribor. Ukwenza oku kube lula kuwe, awuzukukhetha ngaphandle kokungenisa ezinye zeengcebiso ezilungileyo zokunciphisa iindleko zakho zokuqesha, eza kuqala kule migca ilandelayo.
- Awuzikhupheli mda ekuphononongweni nje kwemali mboleko embalwa, kodwa ngenxa yokwehla kwesalathiso semilinganiselo yaseYurophu, Iifomathi ezintsha ziyavulwa oko kunokuba luncedo kakhulu kwiprofayili yakho njengomsebenzisi.
- Ngeli xesha ungarhuma imali mboleko ngokusasazeka ngezantsi kwe-1%, Kwaye bayathengiswa ngaphandle kweekhomishini okanye ezinye iindleko kulawulo lwabo. Kuya kufuneka usebenzise onke amathuba abonisiweyo kuwe ukusukela ngoku.
- Ukuba ukwingcinga yokuqesha ubambiso kwiminyaka ezayo, ayizukukhathaza into yokuba uhambe ukuvelisa ngokusemthethweni imveliso. Akumangalisi ukuba inkxaso-mali yekhaya lakho elitsha ayisayi kubakho kulo lonke ixabiso lovavanyo.
- Ukudibanisa okukhulu Kwibhanki yakho kuya kukunceda ukuba ube neendleko zokwenza ikhontrakthi kule mveliso yokufumana inkxaso-mali, ukubaneentlawulo ezifikelelekayo zenyanga.
- Ukuba imeko yamazinga enzala izakuhlala ikwinqanaba elifanayo ukuza kuthi ga ngoku, iya kuba yinto efanelekileyo kubambiso sukubandakanya naliphi na igatya lomgangatho, nto leyo eya kuba yingozi kakhulu ebusweni beli meko kwixabiso lemali.