ʻO nā koi o ka IRS ma Sepania. Hoʻopili ʻia ka moraki me ka IRPH
ʻO ka IRPH kekahi o nā hōʻailona i hoʻohana ʻia e nā panakō no ka hoʻonui ʻana i ka uku paneʻe o kā lākou mau mea kūʻai aku. Wahi a ka helu ʻana a ka Bank of Spain, pili ia ma kahi o 11% o nā moraki i kākau ʻia ma ko mākou ʻāina a ʻo ia ka lua o ka helu moraki i hoʻohana ʻia ma ko mākou ʻāina, ma hope o ka 12 mau mahina ʻo Euribor.
I kēia manawa, ʻo ka IRPH Bank Entities wale nō ka hana, e pili ana i kahi 300.000 mau moraki. ʻO kona inoa kūhelu "ʻO ka uku maʻamau o nā moraki no nā makahiki ʻoi aku ma mua o ʻekolu mau makahiki i hāʻawi ʻia e nā hui hōʻaiʻē ma Sepania" a, e like me ka hōʻike ʻana o kona inoa, ua helu ʻia ʻo ia ka awelika o kēlā me kēia mahina e pili ana i nā moraki hou. No ka laʻana, i ʻAukake 2016, ua hōʻike ka IRPH i nā moraki i hoʻopaʻa inoa ʻia i kēlā mahina he 1,957%.
Ua kūʻai aku nā panakō i nā moraki i kuhikuhi ʻia i ka IRPH me ka hoʻopaʻapaʻa ʻana he ʻoi aku ka paʻa ma mua o ka Euribor. Ua hōʻike koke ʻo Reality i kēia wahaheʻe. ʻOiai ua hāʻule ka Euribor me ka pilikia o ka hōʻaiʻē, ʻo ka IRPH, ʻo ia hoʻi ka helu hoʻololi, ua noho ma kahi kiʻekiʻe kiʻekiʻe.
Hiki ke moraki me irph a me euribor? ma ka laina
ʻO ka Mortgage Loan Reference Index (IRPH) kahi kuhikuhi kūhelu i huki ʻia e ka Bank of Spain a ua helu ʻia mai ka awelika o ka uku paneʻe ma nā hōʻaiʻē i hāʻawi ʻia e nā panakō. ʻO ia ka lua i hoʻohana nui ʻia i nā moraki, ma hope o ka Euribor.
Ua helu ka Association of Financial Users (Asufin) aia ma mua o hoʻokahi miliona mau moraki i kuhikuhi ʻia i ka IRPH, a ua uku lākou i ka awelika o 165 euros i kēlā me kēia mahina mai 2004. Ua hana ka OCU i kahi helu helu e hiki ai ke ʻike i ka nui o ka loaʻa. ua uku hou ʻia no ka loaʻa ʻana o kahi moraki i kuhikuhi ʻia i ka IRPH ma kahi o ka Euribor.
Me ka ʻoi aku o 170 mau hihia wehe, aia nā ʻōlelo kūʻē. I ka makahiki 2017, ua hoʻoholo ka ʻAha Kiʻekiʻe ma ke ʻano o ka panakō. Ua manaʻo ʻo ia ʻaʻole hōʻike ka IRPH i ka hemahema o ka ʻike a i ʻole kekahi ʻano hana ʻino, no laila ʻaʻohe kumu e hoʻopau ai i nā hōʻaiʻē. ʻAʻole i lokahi ka ʻōlelo: ʻelua mau luna kānāwai i hoʻopuka i kahi balota kūʻē.
ʻOiai ka hoʻoholo ʻana o ka ʻAha Kiekie, i ka makahiki 2018 ua lawe ka ʻaha ʻo Barcelona i ka hihia i ka ʻAha Hoʻokolokolo o ka European Union (CJEU). Ua noʻonoʻo ʻia inā paha, ʻoiai ke kiaʻi ʻia e ka Bank of Spain, pono ka mana o ka transparency ma luna o ka IRPH, inā paha e hoʻololi ʻia e kahi papa kuhikuhi ʻē aʻe (e like me ka Euribor) a i ʻole e pau ka hoʻohana ʻana.
Hiki ke moraki me irph a me euribor? 2022
ʻO nā hopena hope loa o ka General Advocate of the Court of Justice of the European Union, Maciej Spuznar, ma nā moraki i kuhikuhi ʻia i ka index IRPH, ua hoʻopuka i nā manaʻolana maikaʻi loa i ka poʻe i hoʻopilikia ʻia. ʻOiai ʻaʻole paʻa kāna mau hopena a ʻaʻole lākou e ʻae i ka hopena e kali ʻia, ʻo ka ʻoiaʻiʻo he hōʻailona lākou i kahi hōʻoluʻolu no nā ʻohana he nui e uku nei i ke kumu kūʻai keu ʻole i kā lākou moraki.
ʻO ka IRPH, e like me ka Euribor, he kuhikuhi kuhikuhi i helu ʻia ka ukupanee e uku ʻia no kahi hōʻaiʻē. Ua helu ʻia ka IPRH ma ke ʻano he awelika o nā hōʻaiʻē moraki ma mua o ʻekolu makahiki i hāʻawi ʻia e nā panakō a me nā panakō mālama. ʻO ke kumu o kēia papa kuhikuhi ʻo ia ka pono e loaʻa i kahi hōʻike mana hou i helu ʻia e ka Bank of Spain ma lalo o nā lula ʻokoʻa, e lawe ana i kumu hoʻohālike i manaʻo ʻia he kūpaʻa ma ʻEulopa, a ʻo ia ka mea e pale ai i ka mea kūʻai aku i ka instability o ka mākeke.
Ma 2007 a me 2008, ʻo ka manawa nui loa o ka Euribor, kahi i ʻoi aku ma luna o 5%, ʻo ka volatility haʻahaʻa o ka IRPH i kaulana ia ma ke ʻano he kuhikuhi kuhikuhi moraki, ʻoiai ua ʻike ʻia e nā mea kūʻai aku he koho paʻa a palekana.
Hiki ke moraki me irph a me euribor? pūnaewele
ʻO kahi koho ʻē aʻe i ka Euribor, ʻo ka IRPH kahi hōʻailona moraki o nā uku paneʻe i noi ʻia ma Sepania e ka Central Bank. ʻOi aku ka nui o ke kumukūʻai ma mua o ka Euribor, a ua kūʻai aku nā panakō i kēia mau kumukūʻai i nā mea kūʻai aku ma ke ʻano he ʻokoʻa paʻa i ka Euribor fluctuating, aia i kēia manawa nā kumukūʻai maikaʻi ʻole.
* Ua kākau ʻia kēia ʻatikala e kekahi ʻaoʻao ʻaʻole nona a mālama ʻole ʻia e Spanish Property Insight (SPI). Hōʻole ʻo SPI i kekahi kuleana e pili ana i ka loaʻa ʻana a i ʻole ka hoʻohana ʻana i kekahi ʻikepili ʻaoʻao ʻekolu.
