ʻO ka nānā ʻana i ke kuhikuhi ʻaiʻē moraki
ʻOiai ʻo ka hāʻawi ʻana i ka loaʻa kālā o ka ʻohana ma Irelani ʻo ia ka mea like ʻole ma ka EU ma mua o ka ʻauhau a me nā pōmaikaʻi, ua hoʻoholo ka haʻawina ʻo ka ʻōnaehana ʻauhau Irish holomua loa e hoʻopiʻi nui i kēia kūlana, e lawe mai ana i ka like ʻole o ka loaʻa kālā ma kahi kokoke i ka awelika EU.
“ʻElua mau hiʻohiʻona holomua o kā mākou ʻoihana ʻauhau ʻo ia ke kaumaha ākea ākea ākea a me ka pae mua kahi e pili ai ka helu kiʻekiʻe o ka ʻauhau loaʻa. Hoʻohui pū lākou i ka pae o ka loaʻa ʻole o ka loaʻa kālā ma kahi kokoke i ka awelika EU, "hoʻohui ʻo ia.
- Ua piʻi ka like ʻole o ka loaʻa ma mua o ka ʻauhau a me nā pōmaikaʻi i nā makahiki he 30 i hala iho nei, a i ka makahiki 2017 (ka makahiki hou loa i loaʻa ai ka ʻikepili) ʻoi aku ka nui o ka 10% o nā hale ma mua o 2,6 mau manawa kiʻekiʻe ma mua o ka ʻohana maʻamau. .
- Eia naʻe, ua emi ka like ʻole o ka loaʻa kālā o ka home ma ka hapa nui o nā ana i kēia manawa. ʻO ka mea nui kēia no ka mea ua ikaika loa ka ulu ʻana no nā ʻohana haʻahaʻa loaʻa ma waena o 1997 a me 2007, i ka wā i hoʻonui ai ka loaʻa kālā o ka hapalima o lalo o nā home ma ka awelika o ka ʻoi aku ma mua o 12% o ka makahiki ma ke ʻano maoli (ma hope o ka noʻonoʻo ʻana i ka inflation).
Palapala Hoaie Moraki
(No. 27 o 1972), a no ka hoʻokō ʻana i ka Directive 2014/17/EU o ka European Parliament a me ka ʻaha kūkā, o Pepeluali 4, 2014, e pili ana i nā ʻaelike hōʻaiʻē mea kūʻai aku no ka waiwai paʻa no ka hoʻohana ʻana i nā hale a me nā Directives 2008 /48/EC a me 2013/36/EU a me Regulation (EU) No. 1093/2010 ua hoʻololi ʻia, hoʻokumu i nā lula aʻe:
"nā lawelawe aʻoaʻo": ka hāʻawi ʻana i nā ʻōlelo aʻoaʻo pilikino i ka mea kūʻai aku e pili ana i hoʻokahi a ʻoi aku paha nā hana e pili ana i nā ʻaelike hōʻaiʻē a lilo i hana ʻē aʻe ma mua o ka hāʻawi ʻana i nā hana ʻaiʻē a me nā hana waena;
«Ka helu kaulike makahiki» a i ole «APR»: ka huina o ke kumukuai o ka aie no ka mea kuai, i hoikeia ma ke ano he pakeneka makahiki o ka huina dala o ka aie, ina kupono, me na koina i oleloia ma ka pauku 2 o ka Regulation 18, e like, ma ke kumu makahiki, ma ke kumu waiwai o keia manawa o na hooiaio e hiki mai ana a i keia manawa (ka hoopau, ka uku, a me na lilo) i aelike e ka mea haawi a me ka mea kuai;
Nā loea aupuni o ka European Mortgage Federation
Ua hoʻololi nui nā panakō Sepania mai ka makahiki 2010, i ka wā i hoʻopaʻa ai ka panakō aupuni Sepania i nā kānāwai. Ua koi ʻia kekahi o nā panakō mālama kūloko e hoʻohui a kūʻai ʻia paha e nā panakō nui. Ma kēia ala, ʻoi aku ka ikaika a me ke olakino o nā panakō Sepania. Mahalo i kēia, ua pau ka palekana o ka pilikia kālā o 2009, makemake nā panakō e hāʻawi hou i ke kālā a ua kūpaʻa nā kūlana.
Ma Sepania, hiki i kahi kamaaina EU ke hōʻaiʻē a hiki i 70%, i kekahi manawa 80%, o ke kumukūʻai kūʻai o ka waiwai, i hoʻonohonoho ʻia ma ke ʻano he koʻa. ʻO ka manawa maʻamau a hiki i 30 mau makahiki, ʻoiai aia nā palena ma muli o ka makahiki o ka mea hōʻaiʻē, no ka mea makemake nā panakō e uku ʻia ka moraki ma mua o ka makahiki 75. ʻO ia hoʻi, hiki i kahi mea hōʻaiʻē 60 makahiki ke loaʻa i kahi manawa 15 makahiki.
Inā makemake ʻoe i kahi LTV kiʻekiʻe (Loan To Value), malia paha he mea hoihoi paha ka panakō kūʻai, hāʻawi pinepine ka panakō kūʻai i nā kūlana kūikawā a me nā uku, a hiki i ka 100% o ke kumu kūʻai. Akā ma ka mākeke a mākou i kēia manawa he paʻakikī ka loaʻa ʻana o kahi waiwai maikaʻi e kū ana i nā kūlana o nā mea kūʻai aku. I nā makahiki i hala iho nei, ua kūʻai aku nā panakō i ka hapa nui o nā waihona a lākou i waiho ai i ka pilikia a ʻo nā kūlana a me ka loaʻa ʻana o nā panakō ʻaʻole makemake i nā mea kūʻai aku i kēia manawa.
ka uku o ka hale eu
Inā makemake ʻoe e kūʻai i home ma UK akā ʻaʻohe manawa e hoʻomaikaʻi ai i kāu helu ʻaiʻē, hiki paha iā ʻoe ke loaʻa i kahi moraki inā he ʻaiʻē maikaʻi ʻole ʻoe ma ke ʻano he kamaʻāina EU, akā pono paha ʻoe i kahi waihona nui.
Ma ka waiho ʻana i kāu kikoʻī, ʻae ʻoe e hiki ke hoʻohana ʻo Clever Mortgages, a i ʻole kahi ʻelele i koho ʻia o Financial Makeover Ltd, e pane i kāu nīnau. E ʻoluʻolu e mālama ʻia nā ukana ʻelua a me nā huahana kalepa e Clever Lending, ʻo ia ka inoa kālepa o Financial Makeover.
ʻO Clever Mortgages kahi inoa kālepa o Financial Makeover Limited. ʻO Financial Makeover Limited kahi hui i hoʻopaʻa ʻia ma ʻEnelani a me Wales ma lalo o ka helu inoa 6111701. Keena i kākau inoa ʻia: Kempton House, Dysart Road, PO Box 9562, Grantham, Lincolnshire NG31 0EA. Ua ʻae ʻia a hoʻoponopono ʻia ʻo Financial Makeover Limited e ka Financial Conduct Authority me ka helu hoʻopaʻa inoa 706595. ʻAʻole uku ʻia kāu kūkākūkā mua a me nā ʻōlelo a ʻaʻole ʻoe kuleana e hahai i nā koho i hāʻawi ʻia iā ʻoe. Inā hoʻoholo ʻoe e hele i mua me ka moraki a i ʻole ka hōʻaiʻē paʻa, e uku ʻia ʻoe i kahi uku. Hiki ke hoʻopaʻa ʻia a nānā ʻia kā mākou mau kelepona no ka hoʻomaʻamaʻa ʻana, ka hoʻokō a me nā kumu hoʻokele kuleana. E ʻoluʻolu e hoʻomaopopo ʻo nā moraki kūʻai aku a me kekahi mau moraki kūʻai aku ʻaʻole nā huahana i hoʻoponopono ʻia e FCA.
