Thola nini ukuthenga sekuzoba namphethelwa nokulungele ukuqasha. Qhathanisa izindleko eziphelele ngokuhamba kwesikhathi ngezibali zethu zokusebenzisana. Mahhala.
Ngemuva kwe-1 iminyaka, ukuthenga sekuzoba namphethelwa
Umkhawulo Wokulingana
350.006,88 €
Izindleko Eziphelele Zokuqasha
293.361,68 €
Izindleko Eziphelele Zokuthenga
233.255,85 €
Inani Elimisiwe Uma Uqasha
418.755,57 €
Inani Elimisiwe Uma Uthenga
Kubuyekezwe kokugcina:
Ukuqasha Ngokuqhathaniswa Nokuthenga
Ukuqiniseka ukuthi ukuqasha noma ukuthenga ikhaya kuyenye yezinqumo ezinkulu zemali ozozenza. Impendulo incike ezinhlelweni eziningi: amantengo empahla, amazinga okuqasha, amazinga emorgeji, izinketho zakho zokufondelwa, nokuthi uzohlelela isikhathi esingakanani endaweni eyodwa.
Ngokungafani nezithunyelo eziningi zokuqasha-ngokuqhathaniswa-nokuthenga ezilinganisa kuphela izindleko zenyanga, isibali zethu senza isithombe esigcwele semali ngokuhamba kwesikhathi — kufaka ukukhula kwempahla, ukwenyuka kokuqasha, imibuyiso yokufondelwa enkokhelweni ephansi, nomkhawulo wangempela wokulingana.
Indlela Esebenzayo
Ku-isimo sokuqasha, ukhokha ukukhokha kokuqasha kwenyanga (okwenyuka njalo ngomnyaka) futhi ufondelise umehluko phakathi kwalokho owabe usichithile emorgeji nokuqasha kwakho, kanye nenani lenkokhelo ephansi, ku-portfolio yokufondelwa ehlukiwe.
Ku-isimo sokuthenga, ukhokha inkokhelo ephansi ngaphambili, wenze izinkokhelo zemorgeji zenyanga, ufake izindleko zokugcina ngomnyaka (1% wenani lempahla), futhi uzuze ukukhula kwempahla. Umkhawulo wokulingana ngesikhathi lapho ubunotho bokuthenga beqe inani le-portfolio yokufondelwa yokuqasha.
Izinkomba Ezibalulekile
I-P/R ratio engaphezu kuka-20 ngokuvamile ikhombisa ukuqasha kunokufiphala; ngaphansi kuka-15 ngokuvamile kufakanela ukuthenga. Emadolobheni amaningi ase-Yurophu (e-Vienna, Lisbon, Sofia) i-ratio ihlala ku-15–25, kanti i-London, i-Amsterdam, ne-Zurich zihlala zidlula kuma-30.
Izindleko zethuba lenkokhelo ephansi: ukufaka i-€40,000 enkokhelweni ephansi kuyashiya imibuyiso yokufondelwa. Nge-7% yembuyiso yaminyaka yonke, i-€40,000 ingakhula kuze kube cishe i-€78,000 eminyakeni eli-10. Isibali zethu sifaka kulezi zindleko zethuba.
Lapho Ngamunye Ewina
Qasha — izinhlelo zesikhashana
Uma ulindele ukuhamba phakathi neminyaka emi-5, ukuqasha cishe kuwina njalo ngenxa yezindleko zomsebenzi.
Qasha — isilinganiso esiphezulu se-P/R
Uma i-P/R idlula ama-20 (njengeLondon noma i-Zurich), ukuqasha kuyisinqumo esinengqondo ngokwezezimali.
Thenga — izinhlelo zesikhathi eside
Uhlela ukuhlala iminyaka engu-10+? Ukuthenga ngokuvamile kudlula ukuqasha ngokwezimali kulowo mkhathi.
Thenga — amanani enzalo aphansi
Amanani emali mboleko aphansi athuthukisa kakhulu icala lokuthenga ngokuqashisa.
Izindleko zobunikazi ezifihliwe
Isondlo 1-2% ngonyaka, umshwalense, intela yendawo, izimali ze-HOA - ibhajethi yakho konke lokhu.
Izindleko zokwenziwe
E-Bulgaria, izindleko zokuthenga ezihlanganisiwe (i-notary, intela, i-ejenti) zifinyelela ku-4–6% yenani.
Ukuthenga ngokuvamile kuba namphethelwa kunokulungele ukuqasha ngemuva komkhawulo wokulingana, ochibiyela intengo yempahla, amazinga emorgeji, amazinga okuqasha, nembuyiso yokufoniselwa. Emadolobheni amaningi aseYurophu, umkhawulo wokulingana uyiminyaka emi-5-10. Uma uhlela ukuhlala endaweni eyodwa ngisikhathi eside kunomkhawulo wokulingana, ukuthenga ngokuvamile kuyinqume yezimali engcono.
Umkhawulo wokulingana lapho izindleko eziphelele zokuthenga (kuhlanganisa izinkokhelo zemorgeji, ukugcinwa, nethuba lezindleko zezikhokho ephansi) zilingana nezindleko eziphelele zokuqasha (ukuqasha kanye nembuyiso yokufoniselwa ungangeholela kwizikhokho ephansi). Ngemuva kwale ndawo, ukuthenga kuba namphethelwa.
Ngaphezu kwezinkokhelo zemorgeji, abanikazi bezindlu babhekana nezindleko zokugcina (ngokuvamile i-1% yenani lempahla ngomnyaka), umshwalense wempahla, intela yempahla, izimali ezingenzeki ze-HOA, nezinsolo ezinkulu (uphahla, ukufudumala, izikhali zamanzi). Lezi zindleko zingengeza i-20-30% kuzindleko zakho zenyanga zokuhlala uma uqhathaniswa nenkokhelo nje yemorgeji.
Uma usebenzisa izinsizwa ngezikhokho ephansi, ulahlekelwa yimbuyiso yokufoniselwa engenzeka kulemali. Ngokwesibonelo, izikhokho ephansi ze-€40,000 ezifondelwe ngama-7% ngomnyaka zizoba ngama-€78,000 eminyakeni eli-10. Isibali zethu sibheka lokhu ngokukhombisa ukuthi imali yakho inganganani ngabe ingafoniselwe esikhundleni sokusetshenziswa ngezikhokho ephansi.
Ukukhula kwempahla kwangesikhathi eYurophu kulingana ngama-2-4% ngomnyaka, kodwa kuyahlukahluka kakhulu ngendawo nesikhathi. Izindawo zamalokishi ngokuvamile zikhula ngokushesha. Ukuhlela okunqabe, sebenzisa i-2-3%. Isibali sivumela ukulungisa leli zinga ukubona ukuthi izimo ezihlukene zokukhula zithinta kanjani isinqumo sokuqasha nokudayiswa.