Njengoko amaxabiso epropathi esihla kulo lonke elaseYurophu, ithuba lokuba nekhaya leeholide phesheya lisenokungaze libengcono. Kwaye ngomzabalazo obalaseleyo ngokuchasene neemali zamazwe angaphandle - ukuchukumisa ukwehla kweenyanga ezintandathu ngokuchasene ne-euro ngoLwesine - kunokuba bubulumko ukuhamba ngokukhawuleza kunokuba kamva. Kodwa ziphi iintengiso?
Amanani amva nje acebisa ukuba iintandokazi zakudala zaseFransi naseSpain ziphinda zifumane ukuthandwa kwazo ngabathengi bamakhaya eeholide. Kodwa umfanekiso awukho mhle kubatyali-mali abafuna imbuyekezo enkulu ekuthengeni kwabo, kunye nezinye iindawo ezazisakuba zii-hotspots zaseYurophu ngoku zijongeka zibanda kakhulu.
Ngokutsho kwenkampani ye-mortgage yaphesheya i-Conti, i-31 yeepesenti yemibuzo efunyenweyo ukuza kuthi ga ngoku kulo nyaka iye malunga nepropati eFransi, ngelixa ngaphezu kwesihlanu malunga neSpeyin. UClare Nessling, umlawuli eConti, uthi abathengi banamathela kwiindawo abazaziyo nabazithembileyo, kwaye bajike umva kwiindawo ezinomdla ezifana neBulgaria, Turkey kunye neDubai.
ISpain igcina ukuthandwa kwayo ngabathengi bamakhaya eholide e-UK njengoko amaxabiso ehle kakhulu ngenxa yokugqithiswa kweepropathi kwintengiso. Kwezinye iimeko, amaxabiso eCosta del Sol ehle ngeepesenti ezingama-40 ukususela ekunyukeni kwawo ngo-2006/7.
Oko kuthetha ukuba abo bahlala bephupha ngokuthenga indawo elangeni kodwa bakhutshwe ngeendleko, ngoku lixesha lokujonga.
Intabalala yeepropati kwimarike yaseSpain ikhokelele ukuba enye ifemu yase-UK isungule inkonzo ekhethekileyo yokuzama ukufumana abathengi beepropati “ezicinezelekileyo”, ezidla ngokuhluthwa, iiprobate okanye iipropati ekutshintshiselwane ngazo.
Inkampani yepropathi ekwi-intanethi, i-whitehotproperty.co.uk, okwangoku ithengisa malunga nama-4,000 eepropathi ezicinezelekileyo kwiindawo ezithandwayo zabakhenkethi kunye - kwezinye iimeko - izaphulelo ezinkulu. Kumzekelo omnye, igumbi elineebhedi ezine, igumbi lokuhlambela elinesibini elinesibini eTorrevieja lincitshisiwe laya kutsho kwi-€118.400 (£ 102,068), isaphulelo sepesenti ezingama-27 kwixabiso lokuqala elibuzwayo.
Ngokufanayo, i-villa enamagumbi amathathu okulala kunye nephuli kwindawo yabakhenkethi efana neCostas inokuthengwa nge-400,000 yee-euro. Bekuya kuba neendleko malunga ne-650,000 yee-euro ekuphakameni kwemarike kwiminyaka emithathu eyadlulayo.
U-Stuart Law, umlawuli oyintloko kwifemu yotyalo-mali kwipropathi yamazwe ngamazwe i-Assetz, ubeka umdla oqhubekayo wabathengi bezindlu baseBritane e-Spain ukuya kutsho kufutshane ne-UK, imozulu yayo enelanga kunye nobuninzi bolwandle olunesanti.
Ukongezwa kwamaxabiso eepropathi asezantsi kakhulu kuthetha ukuba iBrits ikwimeko entle yokuthenga eSpain – ukuba nje abalindelanga ukunyuka kwamaxabiso entengo yomtyali-mali. Ngeemfuno ezigqithileyo zonikezelo, imeko ayithandeki kumphuhlisi wepropathi oyingcali oxhomekeke kwimbuyekezo eqinileyo ngexesha elifutshane.
Umthetho uthi: “ISpain yindawo enzima kakhulu ukuthenga ngokwembono yotyalo-mali, ngakumbi ukuba uzimisele ekuhlawuleni zonke iindleko zakho ngerenti. Unikezelo olugqithisileyo luchaphazela imarike yerenti kwaye izinga lotshintshiselwano alincedi.
“Ukuba umntu ubeke iingqondo zakhe kwikhaya leholide angazukulirenta ke iSpain ilungile, kwaye eyona ngxaki inokubangela ingxaki kumtyali-mali yeyona nto inceda ukuthoba amaxabiso. Kukho ukhetho olukhulu, kunye namaxabiso amahle kakhulu. ”
Nangona kunjalo, nangona iSpain inokuba nesibheno esikhulu, imarike yepropathi yelizwekazi laseYurophu iyonke ayikachacha. INetherlands, iDenmark, iSlovenia kunye neSlovakia zonke zibone ixabiso lendlu enamanani amabini liwela kwikota yesibini yonyaka.
Kodwa ibali elihamba phambili liloyiko yiBulgaria. I-hotspot yangaphambili kwi-Balkans ngoku iyindawo yokungahambeli kubabolekisi kunye nabathengi ngokufanayo, kunye nedatha yokubhalisa umhlaba ebonisa ukuba ukuthengiswa kwezindlu nomhlaba kwawa ngama-35 ekhulwini kunyaka-ngonyaka kwisiqingatha sokuqala se-2009.
Amaxabiso omhlaba kwindawo eyayisefashonini yoLwandle oluMnyama ngaphambili ehle ngomyinge wama-40 ekhulwini kwiinyanga ezisibhozo zokuqala zika-2009 xa kuthelekiswa nexesha elifanayo ngo-2008, ngokutsho kwe-International Real Estate Federation eBulgaria. Zonke izixeko ezikhulu zaseBulgaria kunye neendawo ekuchithelwa kuzo iiholide zolwandle, kubandakanya iSofia, iVarna neSamokov, kunye neBorovets yasebusika yokuchithela iholide, kuxelwe ukuba kuwela kwingingqi yeepesenti ezingama-50 kwangelo xesha.
UStuart Law ulumkisa amaBrits ukuba aphephe iBulgaria ngazo zonke iindleko. Uthi: “Kuyoyikeka; uphi umzantsi wemarike? Umbuzo wethu ubusoloko usithi 'kutheni uzikhathaza?' Zininzi kakhulu iindawo ezingcono, nokuba zikufuphi, zintle okanye zinexabiso eliphantsi. Ukuthelekisa iSpain neBulgaria… akukho nto inokwenziwa. ISpain iphawula phantse yonke ibhokisi kwaye isondele kakhulu kwaye kulula? "
Ucebisa ukuba ukuba abathengi basekhaya abanokubakho kwiiholide bafuna ukuya kude, kufuneka baqwalasele i-US, apho ezinye iintengiso zinokufunyanwa khona. Nabani na owakhe wanqwenela ukuba nekhaya leholide eFlorida kwaye khange ajonge mva nje uya kothuswa koko anokukufumana. Sizibonile iidolophu zaseOrlando kwiindawo zokuchithela iiholide eziphambili nge-50,000-€70,000.
Esinye sezizathu zokuba abaninzi baphephe iYurophu okwangoku yimeko yeponti. Kule minyaka mibini idlulileyo kubekho ukuguquguquka okungazange kubonwe ngaphambili kwiimarike zemali, ngexabiso le-sterling lihla linyuka ngaphezu kwe-30 pesenti xa lithelekiswa ne-euro. Iponti ngoku ithenga malunga ne-€ 1.1, kunye nabahlalutyi bemali abaninzi baqikelela ukuba ukulingana kuya kwenzeka kungekudala.
UStephen Hughes, umlawuli we-Foreign Currency Direct, woyika ukuba i-sterling "iyawa". Ubonisa ukuba abarhwebi bemali bavumelana ngento enye: "i-sterling inokwenzeka ukuba yehle ngokukhawuleza nakude."
Ngokuwa okungaphaya, kufuneka benze ntoni abathengi abakhoyo okanye abanokubakho baseYurophu ukuze bazikhusele? UMark Bodega, umlawuli kumthengisi wemali i-HiFX, ucebisa ukuba abantu abafuna ukuthenga phesheya kufuneka bathathele ingqalelo "unxibelelwano lwangaphambili". "Oku kukuvumela ukuba uthenge imali ngoku kwaye uyihlawule kamva," uyachaza. "Kuya kufuneka uhlawule i-10 lepesenti yediphozithi ngoku kunye ne-90 yepesenti yebhalansi ekuvuthweni kwekhontrakthi, kodwa ivumela abathengi ukuba batshixele kwizinga lotshintshiselwano ukuya kuthi ga ngonyaka."
UJulian Cunningham, ovela kwiiarhente zamazwe ngamazwe uKnight Frank, ucebisa abathengisi baseBritane kwilizwekazi ukuba banciphise amaxabiso abawabuzayo. Uthi: “Umthengisi ochubekileyo udlulisela nayiphi na inzuzo yemali kumntu osenokuba nomthengi ngexabiso elithotyiweyo. Kodwa ngaphandle kokudlulisela ipesenti ethile yaloo nzuzo kumntu onokuba ngumthengi, kwenza kube nzima kakhulu ukwenza isivumelwano. ”
Izulu leHolide ekhaya: Kutheni iFransi ihlala iyinombolo enye
Akunzima ukubona ukuba kutheni iFransi ihlala ilolona khetho ludumileyo kwiBrits. Ukufikeleleka ngokulula kwindlela, ngololiwe nangomoya, abathengi abanokubakho abakho kuphela kwinceba yeenqwelo-moya zebhajethi. Amaxabiso ezindlu ahlala eqinile eFransi xa kuthelekiswa ne-UK, kwaye imali ye-mortgage inomtsalane kakhulu, nayo.
UNessling uthi: “EFransi, ababolekisi ngemali bebesoloko belumke ngakumbi. Ngokuqinisekileyo abakhange bathathe umbono ogqithisileyo njengoko uninzi lwababolekisi base-UK benzile. Ngalo lonke ixesha letyala sisakwazi ukufumana iipesenti ezili-100 zokubambisa eFransi ngemali mboleko engaphezulu kwe-250,000 yee-euro.
Ngaphezulu kwe-XNUMX-fifth ye-mortgages eFransi ilungisiwe kwaye uninzi lwazo zonke iimali mboleko ezintsha zilungiswe ubuncinane unyaka omnye. Esi sicwangciso-qhinga sokuboleka sesinye isizathu sokuba imakethi yepropathi yaseFransi, iyonke, iqhuba ngcono kunaseBritane.
Ngaphandle kwexesha lokuhla kwexabiso lendlu kwilizwe kunyaka ophelileyo, amaxabiso eFransi anyuke nge-3.9 ekhulwini kwikota yesibini yalo nyaka, ngokutsho kweFrench National Association of Real Estate Agents.
U-Stuart Law, umlawuli oyintloko wefemu yotyalo-mali lwepropati yamazwe ngamazwe i-Assetz, uyavuma ukuba ababolekisi bezindlu eFransi bazigcina iindlela zabo zingatshintshanga, bexoxa ukuba ngenxa yokuba beboleka ngokusekelwe ekufikeleleni, ukunyuka kwamaxabiso okungazinzanga eFransi kuye kwathintelwa. Uthi: “Emazantsi eFransi amaxabiso awakhange aguqe njengoko iibhanki zingacingi ukuba zinomngcipheko omkhulu apho.”
