jinginar gidaje a Turai
An kafa Mortgage Direct a cikin 2006 kuma tun daga lokacin ya girma ya zama babban dillalin jinginar gida mai zaman kansa a Spain. Muna ba da shawara na ƙwararru akan jinginar gida a Spain ga abokan ciniki daga ko'ina cikin duniya, yin shawarwari game da fifikon yanayi da hanyoyin samar da jinginar gida tare da manyan masu ba da lamuni. Sabis ɗinmu yana da abokantaka sosai, bayyananne kuma ƙwararru.
Kasuwar kadarori ta kasar Sipaniya tana kara habaka tun bayan faduwar kudi na shekarar 2007-08, amma wannan ya biyo bayan rikicin tattalin arziki wanda yanzu haka tattalin arzikin Turai da ma bayansa ke farfadowa. Tare da hauhawar farashin kadarorin a Spain da masu ba da bashi suna nuna fifikon ci don ba da lamuni da bayar da sharuɗɗa masu ban sha'awa, ana samun ƙarin masu fafatawa da shiga kasuwa. Mortgage Direct yana mai da hankali kan ci gaba da ba da mafi kyawun shawarwari da sharuɗɗan jinginar gida ga abokan cinikinmu.
A cikin watanni 12 na ƙarshe, mun shiga kasuwar jinginar gida ta Portuguese, muna amfani da ka'idoji iri ɗaya ga yadda muke aiki da haɓaka kasuwancinmu a can. Mun riga mun kafa wasu kyawawan alaƙa tare da masu ba da lamuni kuma mun kulla jinginar gidaje da yawa tare da gamsuwa abokan ciniki.
2014/17
Yawan ribar jinginar gida yakan yi ƙasa a cikin ƙasashen Nordic saboda kwanciyar hankali na kuɗi da amincin masu karɓar bashi. Sauran abubuwan da ke tasiri farashin jinginar gidaje sun haɗa da hauhawar farashin kayayyaki, haɓakar tattalin arziki, manufofin kuɗi, kasuwar lamuni, da yanayin kasuwar gidaje gabaɗaya. Ƙarin kwanciyar hankali kasuwanni kuma yakan sami matsakaicin matsakaicin farashi. Faransa, Ostiriya, Burtaniya da Jamus suna da wasu sabbin farashin gida mafi girma a Turai.
Girman tattalin arzikin ƙasa yana da alaƙa da kwanciyar hankali da aka biya akan jinginar gida. Kasashe kamar Jamus sun ga yawan kudin ruwa ya kasance kasa da kashi uku cikin sama da shekaru biyar. A cikin kwata na huɗu na 2021, Jamus, Spain da Italiya sun sami kuɗin jinginar gida ƙasa da kashi biyu.
Farashin jinginar gida a Turai
Ana ƙididdige ƙimar riba mai canzawa tare da la'akari da ƙimar kuɗi na bankunan Turai (EBFMI). Yana da alamar da ke nuna farashin rancen kuɗi na dogon lokaci a kasuwa. Ana ƙididdige wannan alamar ta hanyar ƙara ƙimar Euribor, wanda ke nuna ƙimar lamuni na ɗan gajeren lokaci, da kuma tazarar kuɗi na dogon lokaci (IMF), wanda hukumar kula da ƙasa ta Bloomberg ke ƙididdige shi a halin yanzu, idan aka yi la'akari da matsakaicin kuɗin da suke rance a cikin kasuwa.wasu kashi biyu bisa goma na manyan bankunan Turai masu kima dangane da farashin lamuni na Euro. Matsakaicin adadin riba na iya bambanta dangane da yanayin kasuwa, wato, juyin halittar IMF da Euribor, don haka yana iya raguwa ko karuwa.
Tebu mai zuwa ya haɗa da misalan da ke nuna tasirin canje-canje a cikin sassan EBFMI, wato, IMF da Euribor, akan ƙimar EBFMI da ƙaddamar da lamuni. Bambance-bambancen farashin da aka nuna a ƙasa misalai ne kawai kuma bai kamata a yi la'akari da shi azaman hasashen da bankin ya yi akan bambance-bambancen masu nuna alama (IMF, Euribor ko EBFMI), tunda farashin su ya dogara da yanayin kasuwa, wanda zai iya haifar da bambance-bambance mafi girma ko kasa da waɗanda aka nuna a cikin misalin. Mun ƙididdige bambance-bambancen da aka samu a cikin kuɗin lamuni muna ɗauka cewa rancen da ake jiran ya kasance Eur 28.962, kuma an biya lamunin bisa ga hanyar madaidaiciya.
Masu ba da lamuni na Turai
Muhimmin Bayanan kula: Wannan kalkuleta don jagora ne kawai. Ba ya zama tayin kuma baya la'akari da cancantar ku don lamuni. Wannan kalkuleta yana ɗaukan cewa ana biyan kuɗi kowane wata a farkon kowane wata, cewa babu lokacin biyan kuɗi da aka jinkirta, adadin ribar yana dawwama a tsawon rayuwar rancen, kuma adadin lamunin yana cika cikakku ko kuma tare da riba kawai.
Ƙarfin ku don samun dama ga amortization na Faransa ko jinginar kuɗi-ban sha'awa kawai da matsakaicin adadin lamuni ya dogara da yanayin kuɗin ku na sirri. Nemi shawarar ku bisa manufa da cikakken kasafin kuɗi:
