Xa ucinga ngokuthenga indlu, kodwa ungenayo imali epheleleyo yokuyihlawula, into yokuqala ethi qatha engqondweni kukufaka isicelo sokuthenga indlu. mboleko. Amaqumrhu ebhanki avavanya imeko yezemali yabantu ukufumanisa ipesenti yoncedo. I I-Euribor yenye yeembekiselo ezibaluleke kakhulu namhlanje ngokunxulumene kakhulu kwi-mortgage.
I-Euribor ingena kwisenzo xa ibala inzala kwimali mboleko yendlu. Ingaba u Ireyithi ye-Interbank yaseYurophu, oko kukuthi, ixabiso apho iibhanki zaseYurophu ziboleka imali komnye nomnye. Kanye njengokuba abantu kunye neenkampani zisiya kwiibhanki, zenza isicelo semali-mboleko kwenye ibhanki kwaye zihlawule inzala yazo.
Ukubalwa kwe-Euribor kwenziwa imihla ngemihla ngokusebenzisa indlela esebenzisa ubuninzi bolwazi oluvela kwimisebenzi yokwenene eyenziwa ngamabhanki ngokwemiqathango yokuvuthwa okuhlukeneyo. Ngenxa yokubaluleka kwayo, kuba ibandakanya amaqumrhu e-eurozone, inefuthe elikhulu kwi-mortgage kwaye inokuyilungisa ukuze ithande okanye ibe nzima ukuthengwa kwendlu.
Ingenelela njani i-Euribor kwi-mortgage
Ukuqonda indlela i-Euribor echaphazela ngayo imali-mboleko kufuneka uyazi ukuba isebenza njani. Amaziko aphambili aqukwe kwingxelo ye-eurozone malunga nenzala ye-interbank esetyenziswe kusuku lwangaphambili. Iziko laseYurophu Iimarike zemali unoxanduva lokubala i-Euribor ngolu hlobo lulandelayo:
- Susa i-15% ephezulu yedatha
- Cima i-15% esezantsi yedatha
- Kwi-70% yedatha eseleyo ubalo lwenziwa kwaye i-Euribor ifunyenwe
Ngoku, kufuneka uthathele ingqalelo oku xa ufaka isicelo semali-mboleko, ngakumbi xa ukhetha umlinganiselo wenzala apho imali-mboleko ecelwe ebhankini iya kulinganiselwa.
- Ngokusisigxina: ipesenti engatshintshiyo
- Eziguqukayo: ixhomekeke kwibenchmark
- Ixutyiwe: idibanisa umdla osisigxina kunye noguquguqukayo
Ukuba isigqibo singumdla oguquguqukayo, kuthetha ukuba ixabiso lenzala liya kuhla kuphela ukuba isalathisi sokubhekisela, kule meko i-Euribor, ihla. Kodwa ukuba ixabiso elithethiweyo liyenyuka, kuya kwenzeka okufanayo nangomdla. Nangona i-Euribor ibalwa imihla ngemihla, kukho iireferensi qho ngeveki, ngenyanga, ngekota, ngenyanga nangonyaka. Ezimbini zokugqibela zezona zisetyenziswa kakhulu kwiimali zokubambisa.
Ngaphambi kokuthatha isigqibo malunga nexabiso lenzala ye-mortgage, kunceda kakhulu ukubonakalisa kwiimeko ezinokuvela kwaye ezinokuchaphazela uqoqosho, olungcono okanye olubi. Xa kufikwa kwimali-mboleko enkulu, kuyafuneka ukuba ubuze indlela yokwenza.
Esi salathisi sesalathiso sikwasetyenziselwa ukubala umlinganiselo wenzala kwiimali-mboleko ezihlanganisiweyo, ngokunjalo nakwimiba yamatyala aguquguqukayo kunye nezinye izinto zemali.
Yintoni omele uyigcine engqondweni ngexesha le-mortgage
Ekubeni i-Euribor isesona salathiso sisetyenziswayo ekubaleni uhlaziyo kwinzala eguquguqukayo kwimali-mboleko, akufanele kube ngumnqa ukwazi nzulu ukuba oku kuthetha ukuthini kwimali yakho. Ubudlelwane phakathi kwe-Euribor kunye nemali-mboleko busondele kakhulu kwaye iyabophelela. Ngaloo ndlela, ndiza kukubonisa ukuba zeziphi iingenelo kunye nokungalunganga kokukhetha umyinge wenzala oguquguqukayo.
1. Izinto eziluncedo ze-Euribor
- Imidla iphantsi: ngeli xesha yonke into iya kuxhomekeka kwimeko yezoqoqosho. Xa i-mortgage ixhomekeke kwiinguqu kwi-Euribor, kuqoqosho olunenzala ephantsi, i Intlawulo ye-mortgage yenyanga iya kuhla. Ngesizathu esifanayo, ixabiso lenyanga lokuhlawula liphantsi.
- Inamagama amade: inzala eguquguqukayo inika ukuguquguquka ngakumbi kwixesha lokuhlawula imali-mboleko. Ukuba ufuna ukuhlawula iintlawulo zenyanga eziphantsi, oku kuyindlela ebalaseleyo, kungakhathaliseki ukuba ixesha le-mortgage liyandiswa.
2. Iingxaki ze-Euribor
- Umdla oguquguqukayo: ukusilela kwenzeka xa ixabiso lesalathiso sesalathiso lithanda ukunyuka. kakuhle ke ixabiso lezavenge linganyuka.
- Tyala ukungaqiniseki: ukungazi imali eya kuhlawulwa ekupheleni kwe-mortgage akulula. Njengoko ezi zizihlandlo ezide kakhulu, Iminyaka emi-10, umzekelo, kwenza kube nzima ukuqikelela ukuziphatha kwe-Euribor.
Kufuneka kukhunjulwe ukuba izinga lenzala lihlaziywa rhoqo emva kweenyanga ezintandathu okanye ngonyaka, kuxhomekeke ekuveleni kwesalathiso esikhankanyiweyo. Ngenxa yoko, iintlawulo ze-mortgage zinokunyuka okanye zihle. I-mortgage iya kuchaza ukuba nguwuphi umhla othatyathiweyo ukufumana ixabiso elisemthethweni le-Euribor eliya kuthathelwa ingqalelo ukuze kuhlaziywe izavenge.
Euribor ebusweni boqoqosho oluguqukayo
I-Euribor iphakama kwaye iwa ngenxa yempembelelo enayo kuyo, imeko yezoqoqosho yaseYurophu kunye nezigqibo ze KwiBhanki ePhambili yeYurophu. Ezi zinto zichaphazela ngokuthe ngqo ixabiso lemali kwiibhanki, apho ixabiso lale index lixhomekeke.
Enye inkalo sisixa semali ejikelezayo kwiimarike. Ukuba kuncinci, ixabiso le-Euribor livame ukunyuka, ekubeni kuqondwa ukuba imali inqabile. Kwicala labo, amaqumrhu ebhanki abona umngcipheko abajongene nawo xa beboleka imali kwenye ibhanki. Ukuba banquma ukuba umngcipheko uphezulu kakhulu, ixabiso lemali landa, kwaye kwenzeka okufanayo kunye ne-Euribor.
Ukuvela kwe-Euribor kuye kwachatshazelwa yi ukutshintsha uqoqosho eYurophu. Ngexesha le-2021, isalathiso sahlala kumaxabiso angalunganga, ngokukodwa -0,502%. Ekuqaleni kuka-2022 yavuka ukuya -0,477%, nangona kunjalo, iimali-mboleko zezindlu ziye zabiza kakhulu. Kodwa iingcali zithi iya kuhlala iphantsi.
Ukudala ukungafihli ngakumbi kwintengiselwano yemali-mboleko, i-European Central Bank yaqala ukusebenzisa uphawu olutsha olubizwa ngokuba yi-benchmark €STR, eyaziwayo Ester. Idla ngokuthelekiswa ne-Euribor, kodwa nganye inendima eyahlukileyo. I-Euribor isetyenziswa njengesalathiso kwi izinga lenzala kwizavenge zeenyanga okanye zonyaka, ngelixa uEster ebonisa ixabiso lemisebenzi ye-interbank yosuku olunye.
Ngayo yonke le nto, eyona nto icetyiswayo kwimpilo yezemali kukudibana neengcali ngaphambi kokufaka isicelo semali mboleko. Iingcebiso zobuchwephesha zinokukukhupha ngaphandle kwamathandabuzo kwaye uya kuzithemba ngakumbi kwinyathelo oza kulithatha ukufezekisa indlu yamaphupha akho.
