34% yevanhu veDutch vane hanya nemari yavo pachavo
Kukosha kwekusununguka kwemari kukuru. Semuenzaniso, ine hukama hwakasimba nekufara kupfuura mari yaunowana, asiwo, semuenzaniso, kupfuura nhamba yeshamwari dzaanoti anadzo. Vanopfuura chikamu chimwe muzvitatu chevanhu vechiDutch vane hanya nemamiriro avo emari.
Izvi zvinoonekwa kubva kune Financial Carefree Barometer ye de Volksbank; chidzidzo chakavakirwa nesainzi pakati pevanenge 1.400 vanhu vechiDutch.
Mhinduro
Iyo barometer inoratidza kuti akasiyana (ega) maitiro anoenderana nehuwandu hwekunetseka kwemari. Mwero wedzidzo, mari, zera, mamiriro ekurarama uye pfungwa yekufara zvine chekuita nekunetseka kwemari kwemunhu. Sezvizvi:
- vanhu vane dzidzo yakaderera vane hanya nemari (37%) pane vanhu vane dzidzo yepamusoro (29%);
- vanhu vane mari yepasi-avhareji (41%) vane matambudziko emari akawanda kupfuura avo vane mari inopfuura-avhareji (26%);
- vanoroja vane hanya zvikuru nemari yavo (44%) kupfuura varidzi vedzimba (30%);
- Vanhu vechiDutch pamusoro pezera re66 havanyanyi kunetseka nezvemari yavo (29%). Uko vechidiki vari pakati pemakore makumi maviri nematanhatu nemakumi matatu nemashanu vanonyanya kunetseka (26%);
- vanhu vanoshanda muhutungamiri hwepamusoro (23%), muchiuto (26%) kana sevadzidzisi nevatsvakurudzi (27%) ndivo vane hanya nemari shoma.
Iyo barometer inosanganisirawo hukama pakati pekunetseka kwemari uye mufaro pane imwechete-off hwaro. Izvi zvinoratidza kuti kuva nehanya nemari kwakabatana zvakasimba nomufaro. Kudyidzana kuri pakati pekunetseka kwemari uye mufaro kwakakura zvakanyanya kupfuura iyo yemari chaiyo kana nhamba yeshamwari dzaanoti anadzo.
Sei vanhu vechiDutch vane hanya nemari?
Chikonzero nei vanhu vechiDutch vane hanya nezvemari inoenderana nezvinhu zvina zvepfungwa; kuronga mari, pfungwa yekudzora, kuzvivimba uye maitiro ekunzvenga. Chinonyanya kushamisa maitiro ekudzivisa evanhu veDutch. Mumwe muzvina anoona zvichinetsa kuvhura kana kuona masitatimendi ekubhangi. Mukuwedzera, anenge mumwe muvatatu anosarudza kusafunga nezvemamiriro ake emari.
Kana zvasvika pakuronga kwemari, maDutch anonyanya kufunga nezvepano uye ikozvino uye kwete nezveramangwana. Mumwe chete pavatatu vakabvunzwa anoratidza kuti ari kungonetsekana chete nezvinoda kubhadharwa uye vana pagumi havaise mari parutivi. Chikamu chimwe muzvitatu chevanhu vechiDutch vanonzwa kuti havana simba rekudzora mamiriro avo emari. Boka rimwe chetero harina chivimbo mumano aro rimene apo rinonangana nezvinetso zvemari.
Iyo yepasi mukuita kwakawanda kumatambudziko emari pakati pevanhu veThai kazhinji ndeyekuti havagone kubata mari. Uye izvo zvakajeka kubva munyaya iri pamusoro apa ndezvokuti vazhinji veDutch vanhu vakafanana.
Iwe unofanira kungotarisa mugirazi rako pachako kutanga usati wataura chimwe chinhu pamusoro pomumwe munhu.
Uye maThais anogara aine chikwereti chakawanda: mafoni, maSUV nezvimwe zvakadaro. Nekudaro, chikwereti chemumba muThailand chinosvika 70 muzana yezvemukati mese, izvo zvisiri zvekunyora kumba nezvazvo. Chikwereti chemhuri muNetherlands chinosvika 210 muzana yegross chigadzirwa, zvakapetwa katatu pane zviri muThailand. Ndiani anonyanya kungwarira mune zvemari: Thailand kana Netherlands?
Wadiwa Tino, ndiko kuenzanisa maapuro nemaorenji. Vanhu veDutch vane chikwereti cheimba chakakwira nekuti iyo mortgage inotariswa zvakare. Kana iwe ukafuratira izvozvo, mufananidzo wacho wakasiyana zvachose.
Kwete, Khun Peter, zvikwereti zvemuThai zvemumba zvinosanganisirawo zvikwereti. Heino mhedziso yemhando yechikwereti munyika dzakasiyana:
https://www.bangkokpost.com/learning/advanced/761552/household-debt-makes-economy-fragile
MuThailand, chikwereti chinenge hafu yechikwereti, kota imotokari uye imwe kadhi rechikwereti uye yega. Munyika dzakawanda dzakapfuma, zvikwereti zvinokwana 80 muzana yechikwereti chose. Saka wataura chokwadi pakuti kana ukasabatanidza zvikwereti zvemba muNetherlands NEThailand, chikwereti chasara chinenge chakafanana kana uchienzaniswa negross domestic product. (35-40 muzana).
Kubva kune mamwe masosi ndinounganidza kuti 10 muzana chete yedzimba dzeThai dzine chikwereti chemba. Zvino zvinonzi chikwereti chemba chikwereti chine ngozi zvishoma, nokuti kukosha kweimba kunogadziriswa nayo. Asi pakati pe2008 ne2013, avhareji kukosha kweimba muNetherlands yakadonha kubva ku250.000 kusvika ku200.000 euros, uye yakangodzokera kune yekare nhanho ye2017 mu250.000.
Ratidza zvikwereti zvehuwandu (kana zvakayerwa nenzira imwechete; muThailand zvikwereti zvakawanda hazvina kunyoreswa zviri pamutemo uye vazhinji havazonyatso kuda kubvuma zvikwereti zvavo kumhuri, shamwari kana mashaki echikwereti kana abvunzwa) sechikamu cheGDP. zvakanaka kune vezvehupfumi, asi hapana chaanotaura nezvehungwaru hwehuwandu hwevanhu. Mamwe matanho aizofanira kuverengerwa nokuda kweizvi: zvikwereti sechikamu chezana rezvinhu zvemunhu zvakabatana nazvo; zvikwereti sechikamu chemari yakatarwa (njodzi yekuti zvikwereti zvichabhadharwa kana chibvumirano chakapihwa kune zvikwereti).
Ndine chokwadi chekuti iyi data icharatidza kuti maThais nemabhangi eThai ane hanya zvakanyanya kupfuura maDutch.
Chris,
Rega ndingopindura muchidimbu kune chako chirevo chekuti mabhangi eThai ane hanya zvakanyanya kupfuura mabhangi echiDutch. Izvi hazvisi pachena kubva kunhamba.
Iwe unogona kuyera kusangwarira zvakanaka nehuwandu hwezvikwereti zvisingaite (NPL): zvikwereti zvisina kubhadhara kubhangi kwemwedzi mitatu. Izvi zvine chekuita nezvikwereti kuvanhu vakazvimiririra nemakambani.
MuThailand chikamu cheNPL i2.68 uye muNetherlands chiri 2.71. MuCyprus haisi pasi pe47 muzana uye muGreece 37 muzana. Mabhangi eThai saka ari kuitawo saizvozvo maererano nekungwara semabhangi echiDutch.
Hatichataura pamusoro peboka rematsotsi anofamba nehupenyu sevanokwereta.
https://www.theglobaleconomy.com/rankings/Nonperforming_loans/
Izvi hazvisi pachena kubva kunhamba uye imhaka yekuti tsananguro yekuti chii chaizvo chiri chikwereti chisiri-kuita inosiyana nenyika. World Bank ine tsananguro (ona: https://en.wikipedia.org/wiki/Non-performing_loan) asi haisi kushandiswa kwese kwese.
Mudzimai wangu anoita bhizimisi rekuvaka uye anoita bhizimisi nemabhanga makuru mana munyika ino kuti awane mari. Kana kubhadhara kwapfuura mazuva makumi mapfumbamwe kunonoka, bhangi harinyore NPL pakarepo. Uye ndizvo zvazviri nemamwe makambani akawanda 'anoshamwaridzana' uye zvechokwadi ane 'hushamwari' vanhu vakazvimirira vebhangi. Ichi ndicho chimwe chezvikonzero zvekuti kune vanhu vanoverengeka vane zvivakwa zvakawanda. Patronage? Kunyanya muThailand.
Netherlands ndeimwe yenyika dzakapfuma kwazvo pasi rose. Nekuda kwedenga, rega kugara uchigunun'una - nenzira isiri yeparamende - nezvenyika yakanaka kwazvo pasi rose iyo iwe unogona kutaura chero chinhu nezvezvematongerwo enyika nemhuri yehumambo uye kwatinogara mukubudirira kukuru. Hapana nyika munyika iri nani!
Ndiwo maonero ako, vamwe kusanganisira neni vane maonero akasiyana. Ini, semuenzaniso, handigoni kumirira kusvika panguva yandinogona kutaura zvakanaka kuNetherlands zvakanaka uye nerombo izvo zvinongotora mwedzi mishoma. Nyika yakanakisa pasirese ndiko uko mumwe munhu anonzwa zvakanyanya kumba mumaonero angu uye kumunhu wechiDutch izvo hazvifanirwe kunge zviri Netherlands.
Zvinonyadzisa kuti haunzwisise kuti, chaizvo nekuti wakaberekerwa muNetherlands yakapfuma, une humbozha hwekusarudza kwaunoda kugara. Mamwe maEarthlings mazhinji haana mikana yakadaro.
Haisi mhosva yangu kuti ndakaberekerwa kuNetherlands. Handina kumbobvira ndanzwa ndiri pamba apa uye ndakashanda uye ndichigara mhiri kwebhodha kubva pandakatanga basa rangu. Mumakore mashoma apfuura munyika muno nekuda kwebasa randakazvikanda mariri nemoyo wangu nemweya wangu.
Uye Netherlands yakapfuma. Ndinofunga kuti iwe zvino wakapfeka magirazi e-rose-ruvara paunotarisa kuNetherlands. Mubayiro pano ungave une musoro, asi mutoro wemutero nemitengo yaunobhadhara kune chimwe chinhu pano hazvina musoro. (yakavanzwa) urombo huri kuwedzera nokukurumidza.
Wadiwa Rob, mumakore mashoma uchatanga kutaura kana uri weboka iro riri kunyatsova nenguva yakanaka muThailand.
Zvingangovawo kuti uri weboka rinogara richifanira kuratidza kumberi kwemba kuti vanofara zvikuru, nepo chokwadi chakasiyana zvachose.
Pakave nevanhu vakawanda pamberi penyu vaifunga kuti uswa hwakanga hwakasvibira kune imwe nzvimbo kupfuura muNetherlands, asi ikozvino mukati memwoyo yavo vanofunga zvakajeka zvakasiyana.
Kazhinji, nekutenda kwakafanana newe, vakapisa zvikepe zvavo zvese shure kwavo uye, nekuda kwezera kana zvimwe zvikonzero, havachakwanisi kugadzirisa chikanganiso chavakamboita.
Zvese zvauri kuwedzeredza zvakanyanya zvinoramba zvisiri chinhu kunze kwekungofungira, nekuti hauna kumbogara ipapo zvachose.
Ndizvozvo, handisati ndagara ikoko zvachose. Inenge mwedzi mina pagore kwemakore gumi apfuura uye ndiani anoziva, pamwe mushure memakore mashoma ini handizonzwa ndakasununguka nazvo. Zvakanaka, ipapo ndichatamira kune imwe nyika inopisa. Handina kusungwa nechinhu.
Handizivi kuti wava nemakore mangani iye zvino, asi inosvika nguva muupenyu apo zvinhu zvingaita zvishoma nezvishoma uye wotanga kuvimba zvakanyanya nekubatanidza.
Zvakare kuvhuvhuta kumusoro kubva pashongwe inongoerekana yave chinhu kunze kwekunhuhwirira kwakadziya, izvo zvinogona kungoita kuti iwe ufunge kuti nyika yako yekare, iyo yaunoda dhiyabhorosi zvakanyanya, yakanga isina kushata mushure mezvose.
Vazhinji musati mauya, vanowanzosamhan'ara pano nekuti vakambobatikana kare, vakatodzoka vakarembera makumbo, ukuwo vamwewo makumbo atorembera zvekuti kudzoka hakuchaiti .
INetherlands, iyo mukuona kwako inotyisa, ine urombo hwakavanzwa, ikozvino iri kuchinjwa newe kune nyika iyo urombo husina kuvanzwa, asi hunoonekwa zvakajeka, uye vanhu vazhinji havagoni kunyange kubhadhara mitero nekuda kwemari yavo shoma.
Tikugashirei paradhiso, uye zvakanaka Netherlands, kana maonero ako asina kusuruvara, ndaizoseka nazvo.
Sezvakataurwa, munhu wose ane maonero ake. Sezviri pachena, kunyangwe uchigara muThailand, uchiri kunzwa wakabatana neNetherlands. Izvo zvinotenderwa, ini handina izvo uye handisati ndamboita. Uye kubhadhara mutero usina kana mudiki kunoratidzikawo kunonakidza kwandiri.Ndave nemakore mana ndichishanda pano uye zvichiri kundisvota kuti ndinofanira kubhadhara mari inodarika hafu yemutero wangu. Asi hongu, izvo zvichaperawo mumwedzi mishomanana uye ipapo ini ndichabhadhara zvishoma zvishoma nokuti, maererano neSVB, kubva kwandakagamuchira tsamba, ndine kodzero ye4 muzana yeWAO inobatsira. (pamwe vanondidawo)
Wadiwa Rob,
Iwe unoziva zvakanyanya nezveNetherlands zvekuti hauzive kuti WAO chii uye kuti SVB haisi yeWAO. Kana uchireva AOW, saka izvi zvinoreva kuti nekodzero yegumi nemaviri muzana AOW hauna kuwana anopfuura makore matanhatu. Ndizvowo sarudzo yako.
Idi rekuti vagari vemuNetherlands vanobhadhara mutero wakanyanya kune zvese zvine chekuita nenyaya yekuti mwero wekutarisira unopihwa kuvagari wakakwira zvakare. Kana iwe usingagari uye uchishanda muNetherlands kwenguva yakareba, haushandise iyo nhanho yekutarisira uye haufanirwe kubhadhara mutero pairi.
Iwe unogona zvakare kubvisa iyo AOW bhenefiti kubva kuhurumende yeDutch. Imwezve mukana ndeyekuti iwe haufanirwe kubhadhara mutero.
typo inofanira kunge iri AOW hongu
Ndanga ndichigara muThailand kwemakore 1,5 zvino uye handizvidembi nezvesarudzo yangu. Kunze kwekuti mari yangu inondipa nzvimbo yakawanda muThailand kupfuura muNetherlands, handicho chikonzero chikuru chezvangu, ndinofanira kutaura, sarudzo yedu. Kuunza mudzimai wangu nemwanasikana kuNetherlands kwakanga kusina basa kwandiri. Ini handina kukwanisa kuita makosi ekubatanidza, kushaikwa kwemhuri, kutonhora uye mafungiro akasiyana zvachose kune vakadzi. Mudzimai wangu akataura nevanhu vakati wandei vechiThai vaigara muNetherlands, kusanganisira imwe hanzvadzi yechikuru, uye munhu wese akamuudza kuti agare muThailand uye kuti chikumbiro changu chaisava chekupenga, asi chakanaka chaizvo. Sezvineiwo, isu tiri vatatu muThailand uye kunyangwe mutauro wacho dzimwe nguva uchigumbura, ini ndakanyatsobatanidzwa muThailand nenzira yangu.
Josefa,
Iwe unotaura mwero wepamusoro webudiriro yatinogara mairi? Kwete zvemunhu wese.
Semunhu anozvishandira, ndakabhadhara iyo yakanyanya AOW yepagore premium kweanopfuura makore makumi mana. Nekuda kwemuchato wangu nemukadzi wekuAsia, zvino ndinongowana € 40 chete mupenjeni yehurumende mwedzi wega wega. Incl. kuderedzwa kwangu kwekunze kwe600%.
Ndine rombo rakanaka kuti ndine imwe tsime remari saka handifanire kuruma. Asi haasi munhu wose ane divi mari. Saka kune vanhu vazhinji kune urombo zvakare.
Ehe, kwete kune ING gentleman, kana DWDD presenter.
Uye rusununguko rwekutaura? Parizvino tinogona kudoma mienzaniso yakakwana kwatinogona kumutsa mibvunzo. Ndiri kufunga mafomu ekuzivisa akadhindwa kare kuti abvise mumiriri akasarudzwa, kurwisa kwazvino kwemuchinda welavender weFvD.
Nehurombo, Netherlands haisisiri nyika yakanaka yataigara makore angangoita 15-20 apfuura.
Anodiwa murume weBrabant,
Kubva muna Ndira 1, 2018, bhenefiti yeAOW kumunhu mumwe chete ichava € 1.107,04 mambure, nechikwereti chemutero uye mupiro weZvw usingasanganisire mvumo yezororo. Mari iyoyo yakavakirwa pa70 muzana yemuhoro wakaderera, tichifunga nezvemitengo yeimba uye mari yekugara muNetherlands.
Vanhu vaviri vanosarudza kuita imba yakabatana vese vanowana 50 muzana yemubhadharo wepasi pazera ravo rekurega basa, saka pamwe chete vanowana zana muzana. Kana mumwe we "shamwari" asati asvika zera rekurega basa, hurumende inofunga kuti munhu asati asvika zera rekurega basa anogona kupa mari yake pachake. Partner allowance hapasisina. Kana ukasarudza kuroora uye kuita imba yakabatana nemumwe wako, kubatsirwa kwako kweAOW kunodonha kusvika makumi mashanu muzana. Kana mumwe wako asati agara muNetherlands uye saka asina kuvaka kodzero yeAOW, anotarisirwa kupa mari yake. Nekudaro, iwe unogona kunyorera kubvumidzwa padanho rekubatsira munharaunda. Ndinocherechedza kuti une imwe nzvimbo yekuwana mari. Izvi zvinoreva kuti tsime remari rinotariswa.
Kana iwe uchigarawo kunze kweEU nemumwe wako, unogona kunge wakatarisana nekuderedzwa nekuda kwenyika yekugara musimboti. Ipapo mwero wekushandiswa kwekugara munyika yekugara unotariswa.
Kune vanhu vazhinji zvakaoma kuwana nekungobatsira kweAOW. Zvechokwadi, pasinei nehuwandu hwekugara muNetherlands, kunewo urombo. Handifungi kuti ndizvo zvazviri kwauri.
Ehe, kuenzanisa ne "ING gentleman" kana "DWDD presenter" haina chekuita neizvi. Kungofanana nematauriro ako ezvematongerwo enyika asina musoro uye shungu, unogara munyika yakapfuura.
Wadiwa Joseph,
Ndinogona kuenderana nekunyora kwako.
Zvisinei, ndinoshamiswa kuti kana uchigara munyika-iri nani, kune vanhu vanodzokera shure nokuda kwechikonzero chipi nechipi, zvino nguva dzose vanoita zvirevo izvo munhu wose anotsanangura zvakasiyana nenzira yake.
"Barometer inosanganisirawo hukama pakati pekunetseka kwemari uye mufaro pane imwe nguva. Izvi zvinoratidza kuti kuva nehanya nemari kwakabatana zvikuru nomufaro.”
Zvinoita sezvine musoro kwandiri. Kana kuzvidya mwoyo kwangu kwemari kwaderera, zvinoita kuti ndifare.
Asi ndeupi musiyano uripo pakati pevanhu vechiDutch vanogara muNetherlands nevanhu vechiDutch vanogara muThailand?