Amazwe aseYurophu ethule uchungechunge lwezinqubomgomo nezinyathelo mayelanaukonga kwasekhayaukukhuthaza kanye nokweseka ukonga ekhaya.Esihlokweni esilandelayo, sizobheka izinqubomgomo zokulondoloza izindlu zamuva kwamanye amazwe amakhulu aseYurophu.
Okokuqala, ake sibheke iJalimane.IJalimane ibisebenzela ukukhuthaza imindeni ukuthi yonge, futhi inikeze izikhuthazo zentela ukusiza amakhaya onge imali.Isibonelo, inzuzo yomuntu siqu ayikhokhi intela phakathi kwemikhawulo ethile.Ngaphezu kwalokho, ukuze kusizwe imindeni ibe nezinga elithile lokuvikeleka ngokwezimali ngemva kokuthatha umhlalaphansi, iJalimane iphinde yethula uhlelo lokonga lomhlalaphansi lomuntu ngamunye ukuze babambe iqhaza ngokuzithandela.Lolu hlelo lukhuthaza abantu ukuthi bazilungiselele izidingo zabo zezimali uma sebethatha umhlalaphansi.
IFrance iphinde yathatha uchungechunge lwezinyathelo zokukhuthazaukonga kwasekhaya.Banikeza izinhlobo ezahlukene zeimikhiqizo yokonga, okuhlanganisa amadiphozithi amisiwe, izinhlelo zomshwalense wokonga, nezinhlelo zokonga ukwabelana.Le mikhiqizo ihlinzeka amakhaya ngezinketho zokonga ezinobungozi obuncane.
Ngaphezu kwalokho, iFrance yethule inqwaba yezinhlelo zokonga izindlu ukusiza imindeni yonge imali yokuthenga izindlu.Lezi zinhlelo zingahlinzeka ngezimali ezengeziwe futhi zehlise umthwalo emikhayeni emalimboleko yabo yezindlu.
I-UK ingelinye izwe eligxile ekongeni ekhaya.Uhulumeni wase-UK uhlinzeka ngezinhlobonhlobo zezinhlelo zokonga izindlu, ezidume kakhulu okuyi-Individual Savings Accounts (ISA).I-ISA wuhlelo lokonga utshalomali olungakhokhi intela.Abantu bangafaka inani elithile lokonga ku-akhawunti futhi bajabulele ukubuyiselwa kwemali engenayo intela.Ngaphezu kwalokho, i-UK iphinde ihlinzeke ngezinhlelo zokonga izikweletu zezwe ezinobungozi obuncane kanye nezinhlelo zempesheni.Lezi zinqubomgomo zikhuthaza imindeni ukuthi yonge futhi ibanike ukuvikeleka ngokwezimali esikhathini esizayo.
I-Netherlands nayo iyizwe elikwazisa ukonga kwasekhaya.Uhulumeni wase-Dutch unikeza inqwaba yama-akhawunti okonga umuntu angakhokhi intela (Particuliere Spaarrekening) okonga ekhaya.Lawa ma-akhawunti angasiza imindeni yakhe ingcebo futhi inikeze ukuvikeleka ngokwezimali kwekusasa.Ngaphezu kwalokho, i-Netherlands iphinde yethula imikhiqizo ethile yokonga engcuphe encane kanye nezinhlelo zokulondoloza umhlalaphansi ukusiza imindeni ifinyelele imigomo yokonga yesikhathi eside.
Ngokuvamile, amazwe ahlukahlukene aseYurophu anezinqubomgomo ezihlukene zokonga izindlu ezihloselwe ukukhuthaza ukonga ekhaya kanye nokuhlinzeka ngokuvikeleka ngokwezimali.Lezi zinqubomgomo zinikeza izinketho zokulondoloza ezihlukahlukene futhi zinikeza izinzuzo zentela nezinye izinzuzo.Nokho, izinqubomgomo nezinyathelo ezithile zingashintsha noma nini, ngakho-ke sicela uhlale wazi ngezinqubomgomo ezifanele ezweni lakini ukuze uthole ulwazi lwakamuva ukuze wenze izinqumo ezingcono zezimali.
Isikhathi sokuthumela: Nov-23-2023