LANDELA
Ijika le-Euribor liya liqatsela kwaye akukho nto ibonisa ukuba iya kuthamba, kodwa kunokuba yinyaniso eyahlukileyo. Isalathiso apho i-80% ye-mortgages e-Spain ibhekiselwa kuyo ibuyele i-positive ngo-Epreli okokuqala ukususela ngo-2016 kwaye iqhubekile ukunyuka ngoMeyi. Inkxalabo phakathi kwababolekiweyo iyanda, kwaye naphakathi kwabo kufuneka benze isigqibo ngoku.
Imali-mboleko yezindlu enemilinganiselo emiselweyo okanye eguquguqukayo. Apho kulele ingxaki phakathi kwabo baqalisa ngoku ukuthenga indlu, kuba kwelinye icala i-Euribor isekumaxabiso aphantsi ngokungaqhelekanga; Ngakolunye uhlangothi, uqikelelo kukuba luya kunyuka ngakumbi, kodwa ngaphandle kokwazi ukuba lukhulu kangakanani, kwaye kwelinye icala, amaqumrhu emali aphantsi koxinzelelo kunye nokunikezelwa kwazo okuguquguqukayo.
Ukuzivelela kweemali zokubambisa
ngenani
Iimali-mboleko ngokwezinga lenzala
Kwiveranda kwitotali yenyanga nganye
Ukuguquka kwemvelo
amatyala okubambisa
ngenani
Imali-mboleko yesiBini
umgangatho wenzala
Njenge-% yetotali yenyanga nganye
Idatha inika isampuli yendlela imfuno eziphatha ngayo, kodwa ukungaqiniseki kwiinyanga ezizayo zizonke. Ukususela ekuqaleni kuka-2022, i-Euribor yaqala ukunyuka kwayo kwaye impendulo yakhawuleza. Kuyinyani ukuba kwiinyanga zokugqibela zonyaka ophelileyo inani leemali mboleko ezisayinwe kwizinga elimiselweyo sele lidlulile kwi-65%, kodwa ngoJanuwari walo nyaka lo mkhuba uphucule ukudlula i-70%. Incopho ephezulu yaphunyezwa kwi-73,8% yeemali mboleko ezisayinwe kwizinga elimiselweyo ngoFebruwari, ngelixa ngo-Matshi ezi xabiso zaqhubeka zifikelela kwi-73%. Ngaphezulu kwesixhenxe kwabathathu babhalisele le ndlela, xa i-2015 ayizange idlule i-10%. Imithombo yezemali iqinisekisa ukuba kumasebe apho izinga elimiselweyo licelwe kakhulu kwaye basalinda iinyanga ezininzi phantsi kwesi simo, belindele ukucaciswa okukhulu kwezoqoqosho.
Abathengi bagcina inzala yabo kwi-fixed-rate-mortgages ngenxa yokhuseleko oluvelisayo ebusweni bokungaqiniseki, ekubeni bengenakho ukothuka kwinzala emele ihlawulwe nyanga nganye: okufanayo kuhlawulwe rhoqo, ngokutsho komcebisi we-mortgage iAhorro. Kwelinye icala, ngexabiso eliguquguqukayo, ukwindleko yokuguquguquka kwe-Euribor. Nangona kunjalo, kule nkampani inye ibonisa ukuba imeko iya kutshintsha kwaye imali-mboleko eguquguqukayo iya kuphinda ibe yeyona ixhaphakileyo, njengoko bekuya kwenzeka ngokwembali eSpain kwiminyaka emininzi eyadlulayo.
Ngaloo ndlela, izinto zangaphandle ezichaphazela uqoqosho lwaseSpain, njengemfazwe e-Ukraine okanye ukunyuka kwamaxabiso, zenza kube nzima ukunqanda ukuguquka kwe-Euribor, enomdla wokungaqiniseki kwezoqoqosho kwaye ngokukodwa ukunyuka kwamaxabiso enzala yiCentral. IBhanki yaseYurophu (ECB). Ukusuka kwi-iAhorro silindele ukuba isalathisi sibe malunga ne-1,35% ekupheleni konyaka kwaye siqhubeke nokunyuka de kube imeko yezoqoqosho iqheleke-isimo sezulu esiphezulu kunabo bonke abahlalutyi, abathetha ngaphezu kwe-0,5%-. Okwangoku, ukuvalwa kwe-Meyi, itholakala khona kwi-0,287%, xa ngoDisemba yayingalunganga kwi-0,501%.
Ngoku abasebenzisi babonakala beqhubeka bexhomekeke kwireyithi emiselweyo kuba basenokufumana i-2% yobomi bemali mboleko, engabizi kakhulu xa kuthelekiswa namaxesha adlulileyo. Ibhanki iye yaxhasa imali mboleko yasekhaya yolu hlobo ukususela ngoJanuwari kwaye ikhuthaza izinga eliguquguqukayo, kunye nesaphulelo senzala enikezelwayo ngexesha lokuqala okanye lokuqala lonyaka wemboleko. Kodwa oku akubonakali kubaqinisekisa abanini zindlu, abakhetha ukhuseleko kunomngcipheko.
"Ngoqikelelo lwangempela lwe-Euribor, ingeniso yenzuzo yamaziko emali iyanda kulawo amaxabiso aguquguqukayo, abonakaliswa kwizibonelelo zolu hlobo lwemali mboleko", bachaza iAhorro. Inyaniso kukuba zonke iibhanki sele zibheja kwizinga eliguquguqukayo, ngaphandle kweCaixabank, eqhubeka ithembele kumathuba omlinganiselo omiselweyo.
