Njengoba amanani ezakhiwo ehla kulo lonke elaseYurophu, ithuba lokuba nekhaya leholide phesheya lingase lingabi ngcono. Futhi ngokuzabalaza okuhle kakhulu ngokumelene nezimali zakwamanye amazwe - okuthinta ukwehla kwezinyanga eziyisithupha uma kuqhathaniswa ne-euro ngoLwesine - kungase kube ukuhlakanipha ukuhamba ngokushesha kunokuba kamuva. Kodwa aphi ama-bargain?
Izibalo zakamuva ziphakamisa ukuthi izintandokazi ezindala i-France ne-Spain ziphinde zithole ukuduma kubathengi bezindlu zamaholide. Kodwa lesi sithombe asisihle kangako kubatshalizimali abafuna imbuyiselo enkulu ekuthengeni kwabo, njengoba ezinye izindawo ezazishisa kakhulu e-Europe manje sezibukeka zibanda kakhulu.
Ngokwenkampani yaphesheya kwezilwandle i-Conti, amaphesenti angama-31 emibuzo eyitholile kuze kube manje kulo nyaka ibimayelana nempahla eseFrance, kanti engaphezu kwengxenye yesihlanu ibimayelana neSpain. UClare Nessling, umqondisi kwaConti, uthi abathengi banamathela ezindaweni abazaziyo nabazethembayo, futhi bafulathela izindawo eziyingozi kakhulu njengeBulgaria, Turkey kanye neDubai.
ISpain igcina ukuthandwa kwayo ngabathengi bezindlu zamaholide e-UK njengoba amanani ehle kakhulu ngenxa yokugcwala ngokweqile kwezakhiwo emakethe. Kwezinye izimo, amanani eCosta del Sol ehle ngamaphesenti angu-40 kusukela inani eliphakeme ngo-2006/7.
Lokho kusho ukuthi kulabo abahlale benephupho lokuthenga indawo elangeni kodwa bahlehliswe yizindleko, manje yisikhathi sokubheka.
Ukuchichima kwezakhiwo emakethe yaseSpain kuholele ekutheni ifemu eyodwa yase-UK yethule isevisi ngokukhethekile ukuze izame ukuthola abathengi bezakhiwo “ezicindezelekile”, ngokuvamile ezithathwayo, ezithengiswayo noma ezihwebelana ngengxenye.
Inkampani eku-inthanethi yezakhiwo, i-whitehotproperty.co.uk, njengamanje imaketha izindawo ezicindezelekile ezingaba ngu-4,000 ezindaweni ezithandwa izivakashi - kwezinye izimo - ngezaphulelo ezinkulu. Esibonelweni esisodwa, indlu enemibhede emine, enamagumbi okugezela amabili e-Torrevieja yehliselwe ku-€118.400 (£102,068), isaphulelo samaphesenti angama-27 enanini elicelwayo lokuqala.
Ngokufanayo, i-villa enamakamelo amathathu enechibi endaweni yezivakashi efana neCostas ingathengwa nge-€400,000. Bekuzobiza cishe ama-euro angama-650,000 ekuphakameni kwemakethe eminyakeni emithathu edlule.
U-Stuart Law, isikhulu esiphezulu senkampani yamazwe ngamazwe yokutshalwa kwezimali kwezakhiwo i-Assetz, ubeka isithakazelo esiqhubekayo sabathengi bezindlu baseBrithani eSpain kuze kube seduze kwayo ne-UK, isimo sezulu esishisayo kanye nendathane yamabhishi anesihlabathi.
Ukwengezwa kwamanani entengo yendawo ephansi kusho ukuthi abakwaBrits basesimweni esihle sokuthenga e-Spain - inqobo nje uma bengalindele ukukhuphuka kwentengo yezinga labatshalizimali. Ngesidingo esidlula ukunikezwa, isimo asikhangi kumthuthukisi wezakhiwo oqeqeshiwe othembele embuyekeni eqinile esikhathini esifushane uma kuqhathaniswa.
Umthetho uthi: “ISpain iyindawo enzima kakhulu ukuthenga ngombono wokutshala imali, ikakhulukazi uma uzimisele ngokukhokhela zonke izindleko zakho ngerenti. Ukuthengiswa ngokweqile kunomthelela emakethe yokuqasha futhi izinga lokushintshisana alisizi.
“Uma umuntu ebeke umqondo wakhe ngendlu yamaholide angeke ayiqashise kusho ukuthi iSpain ilungile, futhi yona kanye inkinga engase ibangele inkinga kumtshali-zimali yiyona esiza ukwehlisa amanani entengo. Kukhona ukukhetha okukhulu, kanye namanani entengo amahle kakhulu. ”
Kodwa-ke, nakuba iSpain ingase ibe nesikhalo esiningi, imakethe yempahla yezwekazi laseYurophu iyonke ayikalulami. I-Netherlands, Denmark, Slovenia kanye ne-Slovakia wonke abone intengo yezindlu enezinombolo ezimbili yehla ngekota yesibili yonyaka.
Kodwa indaba esabekayo ehamba phambili yiBulgaria. Indawo okwake kwaba yi-hotspot e-Balkans manje isiyindawo okungahambeki kuyo kubabolekisi nabathengi ngokufanayo, nedatha yayo yokubhaliswa komhlaba ekhombisa ukuthi ukuthengiselana kwezindlu nezindlu kwehle ngamaphesenti angama-35 unyaka nonyaka engxenyeni yokuqala ka-2009.
Amanani omhlaba endaweni eyayisemfashinini yoLwandle Olumnyama ngaphambili ehle ngesilinganiso samaphesenti angu-40 ezinyangeni eziyisishiyagalombili zokuqala zika-2009 uma kuqhathaniswa nesikhathi esifanayo ngo-2008, ngokusho kwe-International Real Estate Federation eBulgaria. Wonke amadolobha amakhulu aseBulgaria nezindawo zokungcebeleka ezisogwini lolwandle, okuhlanganisa i-Sofia, i-Varna ne-Samokov, kanye nendawo yasebusika yase-Borovets, kubikwe ukuthi kwehla endaweni ngamaphesenti angu-50 ngesikhathi esifanayo.
UStuart Law uxwayisa amaBrits ukuthi agweme iBulgaria ngazo zonke izindlela. Uthi: “Kuyesabeka; kuphi phansi emakethe? Umbuzo wethu ubulokhu uthi 'ungazihlupha ngani?' Ziningi kakhulu izindawo ezingcono, eziseduze, ezinhle noma ezishibhile nje. Ukuqhathanisa iSpain neBulgaria… akukho ukukhetha. ISpain imaka cishe wonke amabhokisi futhi iseduze kakhulu futhi kulula? ”
Uphakamisa ukuthi uma abangase bathenge izindlu ngamaholide befuna ukuya kude, kufanele bacabangele i-US, lapho kungatholakala khona amadili athile. “Noma ngubani owake wafisa ukuba nekhaya leholide eFlorida futhi ongasabheki muva nje uzothuswa yilokho angakuthola. Sizibonile izindlu zasedolobheni zase-Orlando ezindaweni zokungcebeleka eziphambili ngo-€50,000-€70,000.”
Esinye sezizathu esenza abaningi bagweme i-Europe njengamanje isimo sephawundi. Kule minyaka emibili edlule kube nokuntengantenga okungakaze kubonwe ezimakethe zemali, nenani lentengo enhle lilokhu lishintshashintsha ngamaphesenti angaphezu kuka-30 uma liqhathaniswa ne-euro. Iphawundi okwamanje lithenga cishe u-€1.1, nabahlaziyi bemali abaningi babikezela ukuthi ukulingana kuzokwenzeka maduze nje.
UStephen Hughes, umqondisi we-Foreign Currency Direct, wesaba ukuthi i-sterling "iyawa". Uphikisa ngokuthi abahwebi bemali bavumelana ngento eyodwa: "i-sterling cishe izowa ngokushesha nakude."
Ngokuwa okwengeziwe okungenzeka, yini okufanele yenziwe abathengi basekhaya abakhona noma abangase baseYurophu ukuze bazivikele? UMark Bodega, umqondisi kumdayisi wemali i-HiFX, uncoma ukuthi abantu abafuna ukuthenga phesheya kufanele bacabangele "othintana nabo phambili". “Lokhu kukuvumela ukuthi uthenge imali manje futhi uyikhokhe ngokuhamba kwesikhathi,” uyachaza. "Kuzodingeka ukhokhe idiphozithi engu-10% manje kanye nebhalansi engu-90% ekuvuthweni kwenkontileka, kodwa ivumela amakhasimende ukuthi angakwazi ukuvala isilinganiso sokushintshana isikhathi esingangonyaka."
U-Julian Cunningham, ovela kuma-international estate agents u-Knight Frank, weluleka abathengisi baseBrithani ezwenikazi ukuthi behlise amanani abawacelayo. Uthi: “Umthengisi ohlakaniphile udlulisela noma iyiphi inzuzo yohlobo lwemali kulowo ongase abe umthengi ngendlela yenani elincishisiwe elicelayo. Kodwa ngaphandle kokudlulisela iphesenti elithile laleyo nzuzo kulowo ongase abe umthengi, kwenza kube nzima kakhulu ukwenza isivumelwano.”
Izulu lasekhaya leholide: Kungani iFrance ihlala iyinombolo yokuqala
Akunzima ukubona ukuthi kungani i-France ihlala iyinketho edume kakhulu kuma-Brits. Ukufinyeleleka kalula ngomgwaqo, ujantshi nomoya, abathengi abangase babe semseni wezindiza zebhajethi kuphela. Izintengo zezindlu ziye zahlala ziqinile eFrance uma ziqhathaniswa ne-UK, futhi uxhaso lwezindlu ezibolekiwe luheha kakhulu, futhi.
UNessling uthi: “EFrance, ababolekisi bebelokhu beqaphile. Impela abakawuboni umbono owedlulele owenziwe ngababolekisi abaningi base-UK. Kuso sonke lesi sikhathi sokucwila kwezikweletu sakwazi ukuthola imali ebolekiwe engamaphesenti ayi-100 eFrance ngemalimboleko engaphezu kuka-€250,000.”
Izimali ezibolekiwe ezingaphezu kwezine kwezinhlanu eFrance zilungisiwe futhi iningi lawo wonke ama-mortgage amasha alungiswa okungenani unyaka owodwa. Leli su lokuboleka ngesinye isizathu esenza ukuthi imakethe yezakhiwo yaseFrance, isiyonke, isebenze kangcono kunaseBritain.
Naphezu kwenkathi yokwehla kwentengo yezindlu ezweni ngonyaka odlule, amanani entengo eFrance empeleni akhuphuke ngamaphesenti angu-3.9 engxenyeni yesibili yalo nyaka, ngokusho kweFrench National Association of Real Estate Agents.
UStuart Law, isikhulu esiphezulu senkampani yamazwe ngamazwe yokutshalwa kwezimali kwezakhiwo i-Assetz, uyavuma ukuthi ababolekisi bezindlu eFrance bagcine indlela yabo yokunquma ingashintshile, ephikisa ngokuthi ngenxa yokuthi babolekisa ngokusekelwe ekuthengeni, ukunyuka kwamanani okungenakusimama kwamanani eFrance kuvinjiwe. Uthi: “Eningizimu yeFrance amanani entengo awakaze antengantenge njengoba amabhange engacabangi ukuthi anengozi enkulu lapho.”
