Bala izinkokhelo zakho zemorgeji ngokusetshenziswa okugcwele kwezindleko — izindleko zenotari, umshwalense, intela yempahla. Thola ukuthi udinga umholo muni.
Kubuyekezwe kokugcina:
Isibali Semorgeji
Isibali semorgeji sikusiza ulinganise izinkokhelo zenyanga, izindleko eziphelele, nezidingo zemali zokuthenga impahla. Noma ngabe ungumthengi wokuqala wendlu noma ulindele ukubuyekeza, ukuqonda isithombe esigcwele sezindleko zokuphatha ikhaya kubalulekile ngaphambi kokwenza esinye sezinqumo ezinkulu zemali empilweni yakho.
Isibali zethu semorgeji esimahhala siya ngaphezu kwezilinganiso ezibalulekile zezikokhelo. Sifaka izindleko ezengeziwe njengezimali zenotari, intela yokudluliswa kwempahla, nomshwalense, futhi sibala umholo ophansi odingeka ukuze ugunyazwe imorgeji ngaphansi kwemithetho yokukhweba eqinile neyamukelekayo.
Umhlahlandlela
Qala ngokufaka i-Intengo Yempahla — intengo yokuthengwa ephelele yekhaya olicabangayo. Bese usetha i-Inkokhelo Ephansi njengenombolo yephesenti. Amabhange amaningi ase-Yurophu adinga okungenani i-10–20% ephansi, nakuba inkokhelo enkulu ephansi inciphisa izindleko zakho zenyanga futhi ingakuvumela ukuthole izinga elingcono.
Faka i-Izinga Lenzalo Ngomnyaka elinikwa umkhwetheli wakho ne-Isikhathi Semorgeji eminyakeni. Izikhathi zivamile zemorgeji e-Yurophu ziminyaka emi-15, 20, 25, nemi-30. Isibali skhombisa ngokushesha inkokhelo yakho yenyanga, inzalo ephelele, nohlelo olugcwele lokukhokha.
Izindleko Ezengeziwe
Abathengi abaningi bokuqala bajabha izindleko ezengeziwe ngaphezu kwentengo yempahla ngokwayo. Isibali zethu silinganisa izigaba ezintathu ezibalulekile: Izimali Zenotari (~2%) zemiqulu yoMthetho, Intela Yokudluliswa Kwempahla (~2.5%), kanye ne-Umshwalense Wempahla (~0.2%/ngonyaka) edingwa amakhwetheli amaningi.
Ndawonye, lezi zindleko ngokuvamile zengeza i-5–7% kuntengo yakho yokuthenga ephelele. Empahla ye-€200,000, lokhu kusho izindleko ezengeziwe ze-€10,000–14,000 ezingaphambili odinga ukuzihlela ngezimali.
Ukuzikhipha Imali
Amabhange asebenzisa amanani ezikweletu kubhekwa izinkokhelo ukuze aqiniseke ukuthi yimalini ongayikhweba. Isibali zethu sikhombisa izinga ezimbili ezivamile: Umthetho oqinile (30%) — inkokhelo yakho yemorgeji akufanele ingede i-30% yomholo wakho wenyanga ohlanzekile, ne-Mthetho wamukelekayo (40%) — amabhange athile agunyaza kuze kufike i-40%.
Ngokwesibonelo, uma inkokhelo yakho yenyanga yemorgeji ingu-€800, uzodinga umholo ophansi ohlanzekile we-€2,667 ngaphansi komthetho oqinile noma we-€2,000 ngaphansi komthetho wamukelekayo.
Isu
Ukukhetha phakathi kwesikhathi semorgeji esifushane nesinde kuhlangabezana nokukhetha phakathi kwenkokhelo yenyanga nokubheka izindleko eziphelele. Imorgeji yeminyaka eli-15 inazo izinkokhelo zenyanga eziphakeme kakhulu kodwa ikusindisa izinkulungwane zamahhala entenyweni.
Cabanga ngemorgeji ye-€200,000 ku-4% yenzalo. Ngesikhathi seminyaka eli-15, inkokhelo yakho yenyanga icishe ibe ngu-€1,479 nentengo ephelele ye-€66,288. Ngesikhathi seminyaka eli-30, inkokhelo yehlela ku-€955 kodwa inzalo ephelele iphakama ku-€143,739 — ngaphezu kwesindiseko.
Amathiphu Omthengi Wokuqala
Yonga ukuze uthole inkokhelo ethe xaxa
Inkokhelo ephansi engu-20%+ iqeda umshwalense wezindlu ezizimele emabhange amaningi futhi ikutholele isilinganiso senzalo esingcono.
Thola ukugunyazwa kusengaphambili
Ngaphambi kokuzingela indlu, thola imvume yokuboleka imali ebhange lakho. Lokhu kukutshela ukuthi yimalini ongayiboleka.
Isabelomali sazo zonke izindleko
Ngaphandle kwe-mortgage, isici sesondlo (1% ngonyaka), izinsiza, intela yendawo, kanye nezindleko ze-HOA ezingaba khona.
Qhathanisa amabhange amaningi
Izinga lenzalo kanye nemibandela yehluka kakhulu. Ngisho nomehluko ongu-0.25% wenani ungasindisa izinkulungwane empilweni yemali mboleko.
Gcina isikhwama sezimo eziphuthumayo
Ungafaki yonke imali oyilondolozile enkokhelweni ephansi. Gcina izindleko zezinyanga ezi-3–6 njengenethi yokuphepha.
Isilinganiso esilungisiwe uma siqhathaniswa nesilinganiso esiguquguqukayo?
Amanani angashintshi anikeza isiqiniseko. Izilinganiso eziguquguqukayo (ezixhunywe ku-Euribor) zinikeza ukonga okungaba khona uma amanani ehla, kodwa athwala ingozi.
Amabhange amaningi eYurophu adinga inkokhelo ephansi ephansi okungenani ka-10-20% wentengo yempahla. Inkokhelo enkulu ephansi (20%+) ngokuvamile ikupha izinga elingcono lentengo nezinkokhelo zenyanga eziphansi. Isibali zethu sikusize ubone kahle ukuthi amanani ehlukene ezikhokho ephansi athinta kanjani izindleko zakho.
Ngaphezu kwentengo yempahla, kumele uhlele izimali zenotari (~2%), intela yokudluliswa kwempahla (~2.5%), izimali zokomthetho, izimali zokulinganisa, nomshwalense wangomnyaka wempahla (~0.2% wenani lempahla). Lezi zindleko ngokuvamile zengeza i-5-7% kuntengo yokuthenga ephelele.
Amabhange ngokuvamile asebenzisa imithetho emibili: imithetho yokuqinile ka-30% (inkokhelo yakho yemorgeji akufanele ingede i-30% yomholo wakho) nemthetho wokufanele ka-40%. Isibali zethu sikhombisa zombili izinga ukusiza ukuqonda ukuzivikelela kwakho.
Imorgeji yeminyaka eli-15 inazo izinkokhelo eziphakeme zenyanga kodwa ukhokha inzalo encane kakhulu eyonke. Imorgeji yeminyaka eli-30 inazo izinkokhelo eziphansi zenyanga, okunika inkululeko engeziwe, kodwa izindleko eziphelele zikhulu kakhulu. Sebenzisa isibali zethu ukuqhathanisa zombili izimo ubone umehluko oqondile.
Amazinga azinzile akunika ukuqinisekiswa kwekokhelo — izinga lakho lihlala lifana ngaso sonke isikhathi. Amazinga aguqukayo aqala ephansi kodwa anganda ngemimemo yemakethe. Endaweni lapho amazinga entengo enyuka, okuzinzile kukuphepha. Endaweni ezinzile noma yehlayo, okaguqukayo kungalondoloza imali.