Helu helu moraki Paniolo Santander
Hāʻawi nā panakō Spanish i nā kūlana like ʻole a me nā kumukūʻai no nā hōʻaiʻē Spanish ma mua o nā mea i hāʻawi ʻia i nā kamaʻāina ʻauhau o Sepania. I ka wā ma mua, he mea nui ka ʻokoʻa o ka uku paneʻe o nā panakō Sepania. Eia nō naʻe, i kēia manawa ka mea hiki ke loaʻa i ka mea noho ʻole ma ke ʻano he moraki ma Sepania e like me ka mea e noho ana.
Ma mua, ua hoʻokumu nā panakō i nā huahana moraki a me nā kūlana. ʻOiai ua loaʻa iā lākou kekahi mau alakaʻi maʻamau, hāʻawi ka hapa nui o nā mea hāʻawi kālā i nā huaʻōlelo kikoʻī o ka mea kūʻai aku. ʻO ka mea mua, e noʻonoʻo i ka nui o ka pilina e loaʻa iā lākou me ka mea noi moraki. ʻO ka lua, ʻo nā kumu ʻē aʻe e like me ka ratio loan-to-value a me ka ratio aie-to-income. Pono nā panakō Spanish e hāʻawi iā ʻoe i ʻelua mau koho uku. Hoʻokahi me nā huahana pili a ʻo kekahi me ka ʻole. ʻO nā hōʻaiʻē āpau ma Sepania ka uku. No laila, loaʻa ka ukupanee wale nō. Aia nā makahiki hoʻopau hōʻaiʻē ma waena o 60 a 75 mau makahiki. ʻO nā hua'ōlelo kiʻekiʻe loa mai 15 a 30 mau makahiki. Loaʻa nā uku paʻa no ka manawa piha.
Ma muli o ka hoʻololi ʻana i ka hoʻoponopono o Iune 2019, ʻoi aku ka paʻakikī o ka loaʻa ʻana o nā uku paʻa no ka poʻe ʻaʻole i loaʻa euros. Ke noʻonoʻo ʻia nei kekahi mau kālā. No ka ʻike inā pili kēia iā ʻoe, e kelepona mai iā mākou i kēia lā.
Helu moraki ma Sepania
ʻO ka ʻae ʻia ʻana o ka moraki ma Sepania he 49954,27 mau ʻāpana mai 2003 a 2022, e hōʻea ana i kahi kiʻekiʻe o ka manawa āpau o 129128 mau ʻāpana i Kepakemapa 2005 a me kahi haʻahaʻa haʻahaʻa o 12146 mau ʻāpana i ʻAukake 2013. Hāʻawi kēia ʻaoʻao - Nā waiwai maoli ma Sepania ʻikepili, wānana, pakuhi, helu, kalena waiwai a me nā nūhou. ʻO ka ʻae ʻia ʻana o ka moraki ma Sepania - nā waiwai, ka ʻikepili mōʻaukala a me nā pakuhi - i hōʻano hou ʻia ma Mei 2022.
Manaʻo ʻia ka ʻae ʻia ʻana o ka moraki ma Sepania he 30200.00 mau ʻāpana i ka hopena o kēia hapaha, e like me ka Trading Economics global macro models and analyst expects. I ka wā lōʻihi, manaʻo ʻia ka ʻae ʻia ʻana o ka moraki ma Sepania e hele i 30400,00 mau ʻāpana i 2023, e like me kā mākou mau hiʻohiʻona econometric.
Hiki i nā lālā Trading Economics ke nānā, hoʻoiho a hoʻohālikelike i nā ʻikepili mai kahi kokoke i 200 mau ʻāina, me ka ʻoi aku o 20 miliona mau hōʻailona waiwai, nā kumukūʻai kūʻai, nā hua paʻa aupuni, nā helu mākeke a me nā kumu kūʻai.
Hāʻawi ka Trading Economics Application Programming Interface (API) i ke komo pololei i kā mākou ʻikepili. Hāʻawi ia i nā mea kūʻai aku o API e hoʻoiho i nā miliona o nā lālani o ka ʻikepili mōʻaukala, e nānā i kā mākou kalena hoʻokele waiwai manawa maoli, e kākau inoa i nā mea hou, a loaʻa i ke kālā, nā waiwai, nā waiwai, a me nā ʻōlelo paʻa.
Moraki Banako
ʻOiai aia ka Euribor i ka hāʻule manuahi, ʻo kekahi o nā panakō kaulana loa ma Sepania -Banco Santander, BBVA, CaixaBank, Bankia a me Banco Sabadell- ua maopopo ka makemake e hoʻolaha i nā moraki paʻa no kā lākou mea kūʻai.
ʻO Banco Santander's Fixed Rate Mortgage ka laʻana maikaʻi loa. I kekahi mau lā i hala aku nei, ua hoʻohaʻahaʻa kēia hui i nā pono o kēia huahana ma waena o 0,35 a me 0,46 pakeneka i ka 1,55% i 15 mau makahiki, 1,65% i 20 mau makahiki a me 1,79% i 30 mau makahiki. Pono nā mea kūʻai e makemake e komo i kēia ʻano moraki e hiki ke hoʻolilo i ka nui o 60% o ke kumu kūʻai o ka home a kau inoa i kekahi o nā lawelawe o ka panakō (ka uku uku pololei, lawe i kekahi o ka ʻinikua o ka hui, a pēlā aku).
Eia kekahi, ua hoʻohaʻahaʻa ʻo BBVA i ka ukupanee ma kāna Mortgage Paʻa Paʻa i ʻelua mau pule i hala ma waena o 0,20 a me 0,25 mau helu, i kēia manawa e hāʻawi ana i ka uku o 1,35% no 15 mau makahiki, 1,55% no 20 mau makahiki a me 1,95% i 30 mau makahiki. No ke komo ʻana i kēia hāʻawi, pono nā mea kūʻai aku e kuhikuhi i kā lākou uku i loko o ia moʻokāki a kau inoa i ka ʻinikua home a me ke ola ma o ka hui like.
Moraki panakō Sepania
ʻO ka hoʻihoʻi hou ʻana o ka mākeke hale ma Sepania e lawe mai i kahi hōʻoluʻolu i nā panakō a me nā hale. ʻOiai ua hāpai ka rebound i ka ʻāpana i nā hopohopo e pili ana i ke kūkulu hou ʻana o ka ʻāina i nā imbalances, i kēia manawa ʻaʻohe mea hōʻike maopopo e kākoʻo i ka hoʻokumu ʻana i kahi huʻi waiwai.
Abstract: Ma mua o ka pilikia kālā o 2008, 20% o kēlā me kēia 100 euro o nā hōʻaiʻē hale i hāʻawi ʻia ma ka eurozone i hāʻawi ʻia ma Sepania. I kēia lā, ʻelima mau makahiki ma hope o ka poha ʻana o ka huʻi waiwai waiwai o ka ʻāina, aia kēlā pākēneka ma 5,2%. Eia naʻe, ke ola hou nei ka mākeke hale, me nā hōʻaiʻē home hou e hoʻolaha ana i ka ulu ʻana o ka makahiki ʻelua ma ka makahiki mai ʻApelila 2018. Ua hoʻāla kēia i ka hoihoi hou i ka hoʻohālikelike ʻana o ka mākeke moraki Sepania me nā ʻoihana ʻē aʻe o ka Eurozone, mai nā ʻoihana ʻoihana a hiki ka uku pānaʻi, ka hele ʻana i nā kūlana hōʻaiʻē, nā palena panakō, nā uku hōʻole a me nā lakio lawelawe ʻaiʻē home, ma waena o nā hōʻailona ʻē aʻe. ʻOiai ua loaʻa kahi rebound kaulana i ka mākeke moraki Sepania, ʻo ka nui o nā moraki i hāʻawi ʻia, ʻo ka nui o nā moraki hou a me ke kaumaha kālā o nā ʻohana aia ma lalo o nā kiʻekiʻe i hala a ʻaʻohe hōʻailona maopopo e kuhikuhi ana i ka ʻike ʻia ʻana o kahi puʻupuʻu hale.
