Yeyiphi imali-mboleko endingayifumana nge-£500 ngenyanga?
Ngaba usanda kufika eJamani kwaye ufuna ukuvula iakhawunti yebhanki? Olu thelekiso lwebhanki yaseJamani luya kukunceda ufumane eyona akhawunti yebhanki yaseJamani. Uninzi lwazo lukhululekile ngokupheleleyo. Kwabanye babo udinga ingeniso encinci yemali ethile ngenyanga. Kwaye eyona nxalenye ilungileyo yeyokuba uninzi lweeakhawunti zebhanki ezivezwe kweli nqaku ziza kunye nebhanki ye-Intanethi ngesiNgesi ngokunjalo, zibenza zilungele abafuduki okanye abafundi abasanda kufika eJamani. Ngezantsi ungafumana isishwankathelo seeakhawunti ezi-3 ezilungileyo zesiJamani. Iiakhawunti zebhanki, zilandelwa lushwankathelo oluneenkcukacha lweyona akhawunti yebhanki ingcono yaseJamani enebhanki ekwi-Intanethi ngesiNgesi kunye neeakhawunti zebhanki ezineebhanki ezikwi-Intanethi ngesiJamani kuphela. Ukuba ufuna uncedo lokuvula i-akhawunti yebhanki, konke okufuneka ukwenze kukushiya uluvo okanye usithumelele umyalezo ngefomu yoqhagamshelwano.
UNuri ngomnye wabadlali abatsha kwimalike yeakhawunti yebhanki yaseJamani. Banikezela nge-akhawunti yebhanki yasimahla ngaphandle komrhumo wenyanga okanye wonyaka kunye nekhadi le-Visa debit elibandakanyiweyo. Ngekhadi unokurhoxisa imali simahla kwii-ATM kwihlabathi liphela kwaye akukho ntlawulo yentengiselwano yangaphandle. Ngaphaya koko, iNuri yenye yeebhanki zokuqala eJamani ukubonelela abathengi bayo ngokurhweba nge-cryptocurrency (ungathenga kwaye uthengise i-Bitcoin kunye ne-Ethereum). Usetyenziso lwabo lwebhanki lufumaneka ngesiNgesi nangesiJamani kwaye unokuvula ngokulula iakhawunti kwi-smartphone yakho kwimizuzu emihlanu kwaye uqinisekise ubuwena ngeVideoIdent. Ihamba ngaphandle kokutsho ukuba imali yakho, ngokuqinisekileyo, ikhuselekile nge-Nuri, njengoko iidiphozithi ze-Euro ukuya kuthi ga kwi-100.000 ye-inshorensi. Ngelixa ezinye iibhanki (zemveli) zilahla iiakhawunti zazo zebhanki zasimahla, uNuri unikezela ngeakhawunti enkulu yebhanki simahla. Kwii-expats ezininzi ngaphandle kwamathandabuzo yeyona akhawunti ilungileyo yebhanki yaseJamani.
Yeyiphi imali-mboleko endingayifumana nge-1.500 ngenyanga
Inzala iyonke kwi-Mortgage ye-500.000 yeedola Kwi-mortgage yeminyaka engama-30 kunye ne-4% yezinga elimiselweyo, uya kuhlawula i-$ 359.346,40 kwinzala ebomini bomboleko. Ukuba ukhetha i-15-year-mortgage endaweni yoko, uyakuhlawula i-$165.719,10 kwinzala kubomi bemali-mboleko, okanye malunga nesiqingatha senzala obuya kuyihlawula kwi-mortgage yeminyaka engama-30. uhlobo, ukufumaneka kombuso, kunye namanqaku amatyala. Khetha iiRhafu zokuJonga ukunika umbolekisi ngepropathi esisiseko kunye neenkcukacha zemali kwiirhafu ezizezakho.1 – 7 of 7
Sihlaziya idatha yethu rhoqo, kodwa ulwazi lunokutshintsha phakathi kohlaziyo. Nceda uqinisekise iinkcukacha kunye nomboneleli onomdla kuye ngaphambi kokuba wenze isigqibo.Funda indlela esigcina ngayo ukuchaneka kwindawo yethu.Vala
Iyakuba yimalini imali-mboleko yam yenyanga?
Ukuthenga ikhaya elinemali yokubambisa kudla ngokuba lolona tyalo-mali lobuqu lubalulekileyo lusenziwa ngabantu abaninzi. Ingakanani imali onokuyiboleka ixhomekeke kwizinto ezininzi, kungekhona nje ukuba ibhanki izimisele ukukuboleka kangakanani. Kufuneka uvavanye kungekuphela nje imali yakho, kodwa nezinto ozikhethayo kunye nezinto eziphambili.
Ngokuqhelekileyo, abaninzi abanokuba ngabanikazi bezindlu banokukwazi ukuxhasa ngemali ikhaya elinemali yokubambisa phakathi kwesibini kunye nesibini nesiqingatha somvuzo wabo wonyaka. Ngokwale fomula, umntu ofumana i-100.000 yeedola ngonyaka unokuhlawulela kuphela imali-mboleko ephakathi kwama-200.000 nama-250.000 eerandi. Nangona kunjalo, olu balo sisikhokelo nje ngokubanzi.
Ekugqibeleni, xa kusenziwa isigqibo ngepropati, izinto ezininzi ezongezelelweyo kufuneka ziqwalaselwe. Okokuqala, kuyanceda ukwazi ukuba umbolekisi ucinga ukuba ungafikelela njani (kunye nendlela abafike ngayo kolo qikelelo). Okwesibini, kuya kufuneka wenze uhlolo lobuqu kwaye ufumanise ukuba loluphi uhlobo lwendlu ozimisele ukuhlala kuyo ukuba uceba ukwenza oko ixesha elide kwaye zeziphi ezinye iintlobo zokusetyenziswa ozimisele ukuncama-okanye hayi- ukuhlala kuzo. ikhaya lakho.
Yeyiphi imali-mboleko endingayifumana nge-700 yeedola ngenyanga
Nokuba ufudukela eJamani iinyanga ezintandathu okanye iminyaka elishumi, kuya kufuneka ufumane indawo yokubiza ikhaya. Iindleko zezindlu zihluka kakhulu ngokuxhomekeke kwindawo kunye nokuba ufuna ukuba nekhaya lakho okanye uzimisele ukwabelana nabanye. Kodwa xa kuthelekiswa namazwe amaninzi aseYurophu, unokuqiniseka ukuba amaxabiso okurenta aphantsi eJamani.
Kuhlala kukho umahluko omkhulu kumaxabiso okurenta kwizixeko ezahlukeneyo eJamani, esiya kuhlalutya kweli nqaku kunye neendleko zokuhlala kwabafundi, ukuhlala ekwabelwana ngako, umhlalaphantsi kunye namaxabiso aphakathi zerenti eJamani.
Ukurenta iflethi eJamani kunokusukela malunga ne-500 yee-euro ukuya ngaphezulu kwe-€2.000, kuxhomekeke kubungakanani kunye nendawo yekhaya. Kananjalo kufuneka uthathele ingqalelo ukuya kutsho kwiinyanga ezintathu zerenti (ehlawulwa kwangaphambili) kunye nedipozithi yesibambiso (Isilumkiso).
Njengoko siza kubona, iindleko ziyahluka ukusuka kwisixeko ukuya kwesinye. Abo bazama ukubala iindleko zokuhlala eflethini kufuneka bathathele ingqalelo amatyala, kunye nerenti, kunye nefenitshala entsha, njengoko iiflethi ezininzi eJamani zishiywe zingafakwanga; ayiqhelekanga ukuba bangaquki imiphezulu yekhitshi okanye izinto ezilungiswayo.
