Ukuhlaziywa Okuphelele Komkhakha Wezindawo Zokuhlala kanye Nokuthuthukiswa Kwezindlu eSpain

Isibuyekezo sokugcina: Agasti 30, i-2026
  • Imakethe yezindlu zokuhlala ibhekene nokuntuleka kwezindlu ezakhiweni ngenxa yegebe phakathi kokwakhiwa kwemizi kanye nekhono lokwenza ukwakhiwa okusha.
  • Imali ehlukile kanye nezikweletu zangasese ziyanda ngaphezu kwamabhange avamile ukuze kusheshiswe imijikelezo yentuthuko.
  • Umkhakha wezinsizakalo zokunakekelwa kwesikhathi eside kanye nezindawo zokuhlala usebenza ngaphansi kwezinhlaka zomthetho eziqinile kanye nezivumelwano ezihlangene ukuqinisekisa ukuzimela komuntu siqu.

Izindlu zomndeni owodwa eSpain ezine-crane yokwakha ngemuva, efanekisela ukuthuthukiswa kwezindlu okusebenzayo.

Imakethe yezindlu eSpain idlula enkathini eyinkimbinkimbi, lapho isifiso sokwakha singavumelani ngaso sonke isikhathi namaqiniso omhlaba. Nakuba inani lezimvume zokwakha zokwakha ezintsha libonise ukwehla okukhulu, lifinyelela amazinga angakaze abonwe kusukela enkingeni ka-2008, umuzwa okhona emgwaqweni ukuthi kukhona ukushoda kwezindlu lapho zidingeka khona kakhulu , okudala ukungalingani okwandisa ukuntuleka kwezindlu.

Ngaphezu kwalokho, kukhona umkhakha wokunakekelwa kwezindawo zokuhlala kanye nowesikhathi eside owumthombo weqiniso wezenhlalo wabantu asebekhulile kanye nabantu abasengozini. Lo mkhakha awuncikile nje kuphela engqalasizinda ebonakalayo, kodwa futhi nasekuphathweni okuqinile kwabantu kanye nokulawula okufuna ukulinganisela ikhwalithi yokunakekelwa kanye nokusebenza kahle kwezomnotho kwezikhungo kanye nokuvikelwa kwabasebenzi.

isimo senhlalakahle
I-athikili ehlobene:
Isimo senhlalakahle: umlando, amamodeli, iSpain kanye nezinselele zamanje

Inkinga yokwakha izindlu

Isakhiwo sezindlu zasemadolobheni esenziwe ngezitini eziveziwe edolobheni laseSpain, okumelela umkhakha wezindlu zokuhlala.

Uma sibheka izibalo, kubonakala sengathi sisendleleni efanele ngokunyuka kwezimvume zokwakha zezindlu ezithengiswa ngentengo yemakethe kanye nezesibonelelo. Kodwa-ke, kunenkinga enkulu: izindlu aziqedwa ngesivinini ezihleliwe. Kukhona isithiyo esigabeni sokugcina sokwakha , okuholela ekuhlukaneni okukhulu phakathi kwalokho okuqaliwe nalokho okulethiwe kusukela ngo-2010.

Yini ebangela lokhu kuphazamiseka? Nokho, akuyona into eyodwa kuphela. Sibhekene nokuntuleka okungapheli kwabasebenzi abanamakhono , ukubambezeleka kokufika kwezinto zokwakha, kanye nomthwalo wezikhulu ongenza noma yimuphi umthuthukisi azizwe ekhathazekile. Ngaphezu kwalokho, izinkinga ngengqalasizinda kagesi zibambezela ukulethwa kwentuthuko eminingi, okwenza kube nzima kakhulu ukudlula amayunithi aqediwe ayi-100.000 esikhathini esifushane.

Ukuze kuxazululwe lolu daba, kubalulekile ukuthi ohulumeni bahlangane futhi basheshise amalayisense okuhlela amadolobha , bavule umhlaba womphakathi osuvele ukhona ukuze ukutholakala kwawo kukwazi ukusabela ngaphambi kokuba ukuntuleka kube yinto engalawuleki.

ukuhlela kwezezimali ukufinyelela ezindlini
I-athikili ehlobene:
Umhlahlandlela Ophelele Wokuhlela Ezezimali Zokufinyelela Ezezindlu

Imithetho emisha yomdlalo kwezezimali

Umnakekeli ochwepheshe osiza umuntu osekhulile, ekhombisa izinsizakalo zokunakekelwa kokuxhomekeka eSpain.

Amabhange endabuko awasakwazi ukuthwala wonke umthwalo womjikelezo wentuthuko. Ngokomlando, amabhange abelokhu eqaphile ngezilinganiso zawo zokubolekisa, eshiya igebe lokuxhaswa ngemali elingaba phakathi kuka-20% no-35% wezindleko zephrojekthi iyonke. Yilapho ukuxhaswa ngemali okunye kanye nomhlahlandlela ophelele wezinsizakalo zezimali ezizimele kusebenza khona.

  • Isikweletu seMezzanine: Ingxenye yemali engaphansi kwenkampani evumela umgqugquzeli ukuthi anikele ngamasheya amancane futhi athuthukise inzuzo.
  • Akukho ukuthengisa okuphoqelekile ngaphambi kwesikhathi: Ngokungafani namabhange, izimali ezikhethekile zingaxhasa amaphrojekthi ezindaweni ezibaluleke kakhulu ngokusekelwe ku- ukuphila kwempahla kanye nendawo yayongaphandle kokulinda kuze kube yilapho izindlu ezingama-50% sezithengisiwe.
  • Inzuzo ku-CIRBE: Njengoba lezi zingezona izinhlangano ezibikayo, lezi zimali mboleko azifakiwe ku-Central Credit Register yaseBhange laseSpain, evumela umqhubi balondoloze amandla abo esikweletu sasebhange iphelele.

Le ndlela entsha yokusebenza, lapho amapulatifomu afana nePrestaPro esebenza khona, inikeza isivinini esimangalisayo sokuphendula, ekwazi ukunikeza impendulo yokuqala emahoreni angu-72 kuphela, into ebalulekile emakethe lapho ukulinda izinyanga eziyisithupha ukuze uthole imali mboleko kungasho ukulahlekelwa ithuba lokuthenga indawo ehlelekile.

I-Calculator, ama-banknotes e-euro kanye nezindlu ezincane ezimele ukubalwa kwezindleko zendlu
I-athikili ehlobene:
Umhlahlandlela Ophelele Wokukhetha Nokuqhathanisa Imali Yakho Yesikweletu

Uhlaka lokunakekelwa kanye noMthetho Wokuxhomekeka

Iqembu labesifazane asebekhulile lihlangana nabantu esikhungweni sokuhlala, liqokomisa ikhwalithi yokunakekelwa kanye nenhlalakahle.

Uma siphendukela endaweni yokunakekelwa kwekhaya nokunakekelwa komuntu siqu, konke kulawulwa ukuphishekela ukuzimela. Uhlelo lwaseSpain luhlela izinzuzo zibe yizinsizakalo (ezibalulekile) kanye nosizo lwezezimali, ngokusekelwe kunqubomgomo yezenhlalo echazwe eSpain . Izinsizakalo zisukela ekunakekelweni kwezingcingo kanye nosizo lwasekhaya kuya ezikhungweni zasemini kanye nokunakekelwa kwesikhashana kwekhaya okuhlala unomphela noma okwesikhashana.

I-Social Services Network ihlanganisa izikhungo zomphakathi nezizimele ezixhaswe ngumphakathi, kanti lezi zokugcina zigunyazwe ngokusemthethweni yi-Autonomous Community . Uma kungekho ndawo etholakalayo kunethiwekhi yomphakathi, umsebenzisi angathola inzuzo yezezimali exhunyiwe ukuze athole insizakalo egunyaziwe, okuqinisekisa ukuthi usizo lufinyelela ngempela kulabo abaludingayo ngokusekelwe ezingeni labo lokuthembela kanye nezindlela zabo zezimali.

Imithethonqubo yabasebenzi emkhakheni wokunakekelwa kwesikhathi eside

Umbono wasemoyeni wendawo yokuhlala enabantu abaningi eSpain enamakhreni okwakha, okubonisa isidingo sezindlu kanye nentuthuko.

Labo abasebenza kulo mkhakha balawulwa yizivumelwano zohlaka olunemininingwane eminingi ezihlukanisa abasebenzi ngamaqembu ochwepheshe. Kusukela kubaphathi kanye nabaphothule eyunivesithi (odokotela, izazi zengqondo) kuya kubasebenzi abasizayo kanye nabasebenzi benkonzo, indima ngayinye inemisebenzi echazwe ngokucacile yokugwema ukufana nokuqinisekisa ikhwalithi ekunakekelweni kwabasebenzisi.

Ngokuphathelene nokuqasha abasebenzi, kukhona ukuzibophezela okucacile ekuzinzeni, okuhlose ukuthi u-80% wabasebenzi babe nezinkontileka ezihlala njalo . Izici ezithile kakhulu ziyalawulwa, njengamahora okusebenza aphezulu ngonyaka (ahlukahluka kancane kuye ngokuthi ngabe ukunakekelwa ekhaya noma ukunakekelwa ekhaya) kanye nezikhathi zokuhlolwa, ezingahlala izinyanga eziyisithupha zezikhundla zokuphatha.

Lesi sivumelwano sigcizelela kakhulu ukuvimbela izingozi zomsebenzi , ikakhulukazi maqondana nezingozi ezihambisana nokuguquguquka kwesimo sengqondo kanye nezengqondo, uma kubhekwa izidingo zomzimba nezingokomzwelo zokunakekela abantu abathembele kubo. Ngaphezu kwalokho, sisungula izinqubo eziqinile zokulwa nokucwaswa kanye nezinhlelo zokulingana ukuze kuvalwe igebe lobulili emkhakheni onabantu besifazane abaningi.

Iqiniso lomkhakha wezindawo zokuhlala nokunakekelwa eSpain lembula ukungezwani okuqhubekayo phakathi kokukhula kwesidingo kanye namandla okuphendula anqunyelwe yi-bureaucracy kanye nokuxhaswa ngezimali. Ngenkathi ukuthuthukiswa kwezindlu kufuna ezinye izindlela zokubhekana nokuntuleka kwezindlu, izinsizakalo zokunakekelwa kwesikhathi eside ziya ngokuya zithuthukiswa ngaphansi kwezinhlaka zabasebenzi eziqinile ukuqinisekisa ukuthi ukunakekelwa kwabasengozini kakhulu kuyasimeme futhi kuyahlonishwa.

Iqembu labantu asebekhulile lihleli ebhentshini lixoxa ngaphandle
I-athikili ehlobene:
Umhlahlandlela Ophelele Wezimpesheni Ezinganikeli: Izidingo Nezimali