Mayiko aku Europe akhazikitsa ndondomeko ndi njira zingapondalama zapakhomokulimbikitsa ndi kuthandizira kusunga ndalama zapakhomo.M’nkhani yotsatirayi, tiona ndondomeko zaposachedwa zosunga ndalama zapakhomo m’mayiko ena akuluakulu a ku Ulaya.
Choyamba, tiyeni tione ku Germany.Germany yakhala ikuyesetsa kulimbikitsa mabanja kusunga ndalama, ndipo apereka zolimbikitsa zamisonkho kuthandiza mabanja kusunga ndalama.Mwachitsanzo, ndalama zomwe munthu amapeza pachiwongola dzanja chake zimakhala zopanda msonkho m'malire ena.Kuphatikiza apo, pofuna kuthandiza mabanja kukhala ndi gawo lina lachitetezo chandalama atapuma pantchito, Germany yakhazikitsanso ndondomeko yosungira anthu akapuma pantchito kuti anthu azichita nawo modzifunira.Pulogalamuyi imalimbikitsa anthu kukonzekera zosowa zawo zachuma akapuma pantchito.
France yatenganso njira zingapo zolimbikitsirandalama zapakhomo.Amapereka mitundu yosiyanasiyana yazinthu zosungira, kuphatikiza ma depositi okhazikika, mapulani a inshuwaransi yosunga ndalama, ndi mapulani osungira ndalama.Zogulitsazi zimapatsa mabanja mwayi wopeza ndalama zochepa.
Kuphatikiza apo, France yakhazikitsa njira zingapo zosungiramo nyumba zothandizira mabanja kusunga ndalama zogulira nyumba.Mapulogalamuwa atha kupereka ndalama zowonjezera ndikuchepetsa mavuto omwe mabanja amakhala nawo pa ngongole zanyumba.
UK ndi dziko lina lomwe limayang'ana kwambiri zosunga ndalama zapakhomo.Boma la UK limapereka njira zosiyanasiyana zosungiramo nyumba, zomwe zimadziwika kwambiri ndi Individual Savings Accounts (ISA).ISA ndi ndondomeko yosungira ndalama zopanda msonkho.Anthu amatha kusungitsa ndalama zina zake muakaunti ndikusangalala ndi zobweza zopanda msonkho.Kuonjezera apo, UK imaperekanso ndondomeko zochepetsera ngongole za dziko zomwe zili ndi chiopsezo chochepa komanso mapulani a penshoni.Ndondomekozi zimalimbikitsa mabanja kusunga ndi kuwapatsa chitetezo chachuma m'tsogolomu.
Dziko la Netherlands ndi dziko lomwe limayamikira kusunga ndalama zapakhomo.Boma la Dutch limapereka maakaunti angapo osungira anthu omwe salipira msonkho (Particuliere Spaarrekening) kuti apulumutse banja.Nkhanizi zingathandize mabanja kukhala ndi chuma komanso kukhala ndi moyo wabwino m’tsogolo.Kuonjezera apo, dziko la Netherlands lakhazikitsanso zinthu zina zosungira ndalama zochepa komanso ndondomeko zosungiramo ntchito yopuma pantchito kuti zithandize mabanja kukwaniritsa zolinga zosungira nthawi yaitali.
Nthawi zambiri, mayiko osiyanasiyana aku Europe ali ndi njira zosiyanasiyana zosungirako ndalama zapakhomo zomwe cholinga chake ndi kulimbikitsa kusunga nyumba komanso kupereka chitetezo chandalama.Ndondomekozi zimapereka njira zosungirako zosiyanasiyana komanso zimapereka chilimbikitso chamisonkho ndi maubwino ena.Komabe, mfundo ndi njira zina zitha kusintha nthawi ina iliyonse, kotero chonde dziwani mfundo zoyenera m'dziko lanu kuti mupeze zambiri zaposachedwa kuti mutha kupanga zisankho zabwino zachuma.
Nthawi yotumiza: Nov-23-2023