Isimo sezezimali sishintshe kakhulu, futhi ngemva kwesikhathi eside sokungahlali kahle, imindeni yaseSpain ekugcineni ibona imali yayo iqala ukuthutha. Ngesinqumo samuva esenziwe yi- I-European Central Bank Ngokubeka izinga lesibonelelo sediphozithi ku-2,25%, izikhungo zezimali ziphoqelekile ukuthi thatha isinyathelo sokuthola uketshezi lokho abagcini bemali ababekubambe kuma-akhawunti amanje ngaphandle kokuthola imbuyiselo enkulu noma engenayo nhlobo. Lokhu kuphazamiseka emahhovisi amabhange kusho ukuthi, namuhla, kungenzeka ukuthola izinketho ezidlula kakhulu lokho esakubona ezinyangeni ezimbalwa ezedlule, okwenza ukonga okunokulinganisela kube ithuluzi langempela lokulwa nokwehla kwamandla emali.
Ukubheka imakethe yamanje kwembula impi enzima phakathi kwamabhange edijithali nezikhungo zendabuko. Ngenkathi amaqembu amakhulu ezizwe egcina isimo sokuqapha, amabhange angaphandle kanye amapulatifomu e-inthanethi Abadlali. Uma kukhulunywa ngokunikeza imbuyiselo esondela ku-4% ngezikhathi ezimfushane kakhulu, le nyanga inikeza ithuba elihle kunoma ubani ofuna ukwenza imali yakhe isebenzele yena futhi anganeliseki ngembuyiselo encane enikezwa yi-akhawunti yakhe evamile.
Imiqondo eyinhloko: Yini okufanele siyibheke lapho siqasha abantu?
Ngaphambi kokuthi ufinyelele esipeshelini ngenani elikhulu kunawo wonke, udinga ukuqonda kahle Iyini idiphozithi yasebhange? Futhi yini esiyisayinayo? I-Nominal Interest Rate (TIN) isitshela inzuzo iyonke, kodwa esikuthakaselayo ngempela yi-Annual Equivalent Rate (TAE), kusukela kweyokugcina. Lokhu kufaka phakathi izindleko kanye nezimali.okusinika isithombe sangempela salokho esizokuthola ngempela. Ngaphezu kwalokho, ukuphepha kubalulekile, yingakho kubalulekile ukuqinisekisa ukuthi lesi sikhungo siyilungu leSikhwama Sesiqinisekiso Sediphozithi, kungaba esaseSpain noma esinye saseYurophu. Ivikela ama-euro afinyelela ku-100.000 ngekhasimende ngalinye uma kwenzeka ibhange linezinkinga ezinkulu.
Izinketho zesikhashana zokugwema ukukhiya imali
Uma ufuna imbuyiselo esheshayo ngaphandle kokubopha imali yakho eyongiwe iminyaka, kunezipesheli ezithile ezinamandla kakhulu zemigomo yezinyanga ezimbalwa nje. I-MyInvestor ihola lesi sigaba ngediphozithi yayo yenyanga eyodwa engafinyelela ku-4% APR kumakhasimende ayo e-premium, yize kubo bonke abanye inikeza u-2,25% uma kuhlangatshezwana nemibandela ethile yokutshalwa kwezimali. Okwamanje, i-ING igcina idiphozithi yayo yokwamukela ethandwayo ku-3,00% APR izinyanga ezintathu, inketho elula kakhulu... amakhasimende amasha afuna ukulula kanye nokutholakala okugcwele ekupheleni kwesikhathi.
Ezinye izikhungo ezifana neBanco Mediolanum nazo zisesigabeni seDiphozithi Yazo Ezintathu ku-3,00% APR izinyanga eziyisithupha, yize zidinga ukuzibophezela okwengeziwe, njengokufaka imali ngqo yomholo noma ukuba nempahla ngaphansi kokuphathwa. Kulabo abathanda okuthile okuphakathi, iFacto inikeza i-2,63% APR izinyanga eziyisishiyagalolunye, ivelele ngokuba yi- omunye wemikhiqizo eguquguqukayo kakhulu Ngokuphathelene nokukhetha okuqondile kosuku lokugcina, lokhu kuwusizo kakhulu uma unezinhlelo ezithile zaleyo mali.
Ukuvikela izintshisekelo zesikhathi eside
Kulabo abathanda ukulala kahle bazi ukuthi imbuyiselo yabo ngeke yehle ngisho noma imakethe ishintsha, amadiphozithi ezinyanga ezingu-12, 18, noma ezingu-36 ayindlela engcono kakhulu. I-Renault Bank ivelele kulesi sigaba ngomkhiqizo wayo weminyaka emithathu okhokha u-3,19% we-APR, ngenzuzo yokuthi Inzalo ikhokhiswa njalo ngekota.ikunikeza ibhonasi encane ku-akhawunti yakho njalo ezinyangeni ezintathu. I-Novum Bank nayo yenza umzamo omkhulu, inikeza i-APR engu-3,10% iminyaka emibili, ivikela imali yakho ngaphansi kohlelo lwesiqinisekiso sediphozithi saseMalta.
Esikhathini sezinyanga eziyishumi nambili, okuvame ukuba yigama elithandwa kakhulu ngabalondolozi baseSpain, iDeutsche Bank ihamba phambili nge-APR engu-3,25%, yize iqinisekisa izinga lenzalo eliphezulu kangaka. Badinga isixhumanisi esiseduze kakhulukufaka phakathi inkokhelo, amakhadi, kanye nemali. Uma ukhetha okuthile okunephepha elincane, izikhungo zaseYurophu ezitholakala ngamapulatifomu afana ne-Raisin, njenge-BluOr Bank noma i-SME Bank, zinikeza amanani acishe abe ngu-3% ngohlelo lokusebenza lwedijithali oluphelele kanye ngaphandle kwesidingo sokushintsha amabhange Okosuku nosuku.
Okunye okukhethwa kukho kwama-akhawunti anenzalo
Akuzona zonke izinto ezivaliwe; ama-akhawunti akhokhelwayo Bathole ukuthandwa okukhulu ngenxa yokunikeza amazinga enzalo asondele kakhulu kulawo ediphozithi, kodwa ngezimali ezitholakala kalula. I-Trade Republic okwamanje iyinkanyezi, inikeza i-APR engu-3,04% kunoma yiliphi inani, ngaphandle kwemingcele ephezulu yebhalansi, into eyenzeka Kwenza umehluko omkhulu. Uma kuqhathaniswa nabancintisana nabo. Ngaphezu kwalokho, sebevele besebenza nama-IBAN aseSpain, okwenza izinto zibe lula kakhulu ekukhokheni amabhili noma ukusebenzisa i-Bizum.
I-Bankinter ne-Openbank nazo zingabancintisani abanamandla kule ndawo, zilinganisa okunikezwayo kwazo ku-2,50% APR kumakhasimende amasha. Umehluko omkhulu useqinisweni lokuthi i-Bankinter iqinisekisa leli zinga kuze kube sekupheleni konyaka, kuyilapho i-Openbank iligcina izinyanga eziyishumi nambili zokuqala ngemva kokuvula i-akhawunti. Ziyizixazululo eziphelele ze gcina isikhwama sezimo eziphuthumayo usebenza ngenkathi unquma ukuthi uzokwenzenjani ngemali yakho esele oyilondolozile, ukuvimbela imali ukuthi ingahlali phansi ingenzi lutho futhi iqoqe uthuli.
Ngamafuphi, abagcini bemali namuhla banezinketho eziningi ezibavumela ukuthi bathole imbuyiselo ehloniphekile, kungaba ngamadiphozithi esikhathi esinqunyiwe emabhange aseYurophu noma ngokusebenzisa ukuguquguquka kwama-akhawunti edijithali eSpain. Isihluthulelo sempumelelo yephothifoliyo yethu siseku ukungashiyi yonke inhloko-dolobha endaweni eyodwa futhi sihlanganise isikhathi esifushane nesikhathi eside, siqinisekise njalo ukuthi izinhlangano ezikhethiwe zineziqinisekiso zomthetho ezifanele ukuze ukuthula kwengqondo kwethu ngokwezezimali kungabi nanoma iyiphi ingozi engadingekile.
