Kūlana mua, Postcondition a me ke Kūlana ʻOiaʻiʻo ma Real
Manaʻo paʻa mākou ʻo ka hapa nui o nā "paepae paepae" i hōʻike ʻia i loko o nā ʻaelike moraki he kūpono ʻole a hoʻopōʻino ʻia nā mea kūʻai panakō a hoʻopaʻi ʻia no ko lākou nele i ka ʻike kālā. He mea maʻalahi e kōkua nā loio loea iā ʻoe i hiki iā lākou ke kūkākūkā me ka panakō no ʻoe, a hiki iā lākou ke hoʻopiʻi i ka panakō e mālama i ke kālā iā ʻoe ma kēlā me kēia mahina, ʻoiai ʻoi aku ka ʻoi aku o ka ukupanee āu e uku ai ma mua o ka ukupanee kūhelu. ka Central Bank European. Ina e hoopili aku oe i ke keena loio e koi aku i na lilo o ka moraki, e loaa ia oe ka manawa e nana ai i kau mau hana e ike pono ai ina he huina moraki ka palena iki. Inā pēlā, hiki iā ʻoe ke noi i ka Panakō e hoʻihoʻi i ke kālā āna e lawe mai nei iā ʻoe ma muli o kēlā ʻōlelo hōʻino.
菊子学房地产英语第二弹！ hoʻomaʻamaʻa mau!
Loaʻa ka paukū papahele ma kāu palapala moraki. Ma ka ʻōlelo Sepania, kapa ʻia kēia palapala ʻo "Deed of Mortgage Loan". Ua pūlima ʻia ka palapala i mua o ka notary public i ka manawa like i kūʻai ʻia ai ka hale.
Ke kau inoa ʻia ka palapala moraki ma mua o ka notary, lawe ka panakō i ke kākau inoa waiwai e hoʻopaʻa inoa. Ke hoʻopaʻa inoa ʻia ka palapala moraki, loaʻa i ka panakō a pono e kiʻi ʻia e ka mea kūʻai aku a i ʻole kā lākou loio.
Hiki iā ʻoe ke loaʻa ka papa inoa o nā uku i hana ʻia mai kou kau inoa ʻana i ka moraki ma ka pūnaewele o ka panakō a i ʻole ma ka lālā i loaʻa iā ʻoe ka moraki. Inā ua hāʻule ka uku paneʻe a ʻaʻole i loaʻa i kāu moraki, loaʻa paha iā ʻoe kahi papa moraki.
Pono ʻoe e hoʻouna i kahi palapala i kāu panakō me kahi kope o ka palapala moraki a me ka loaʻa hope loa e hōʻoia ana i ka uku o ka moraki i kēlā me kēia mahina. Eia hou, hiki iā ʻoe ke hoʻouna i kahi kuhi o nā overpayments. ʻAʻole koi ʻia ka panakō e pane iā ʻoe, akā pane pinepine ia i kāna mea kūʻai aku ma ka ʻae ʻana a hōʻole paha i ke koi. Inā ʻaʻole hoʻopau ka panakō i kāu paukū papahele o ka moraki a hoʻihoʻi i ke kālā āu i uku nui ai, pono ʻoe e hoʻomaka i kahi koi kānāwai.
ʻO kahi hoʻololi duplex MAMUA / MAHOPE o kahi kaʻa a me kahi meaʻai
ʻOi aku ka nui o ka poʻe i ʻike he papa papahele ko lākou i ko lākou mau home a hoʻoholo e koi mai kā lākou panakō. Ua hoʻoholo kēia hoʻoholo i ka pili kūikawā mai ka mahina ʻo Dekemaba i hala i hoʻopuka ai ka ʻAha Hoʻokolokolo o ka European Union (CJEU) i ka ʻōlelo hoʻoholo i ʻōlelo ʻia e hoʻihoʻi ʻia nā kālā i hōʻiliʻili ʻia i nā ʻaelike moraki mai ka makahiki 2009, i ka wā i hoʻomaka ai kēia mau paukū.
ʻOiai ʻo ka hapa nui o nā moraki Sepania e pili ana me ka Euribor - he fluctuating rate-, ua hoʻoholo nā panakō e hoʻokomo i ka paukū papahele e ʻae ai i ka hāʻule ʻole o ka ukupanee ma lalo o ka liʻiliʻi, ʻoiai ʻo ka Euribor kahi i kuhikuhi ʻia ai nā moraki. .
ʻO ka ʻimi ʻana i ka helu ʻōlelo papahele he kaʻina kumu ia e pale aku ai i nā pilikia i ka wā e koi ana i ka paukū papahele mai ka panakō. Hāʻawi ia i ka ʻike mua i ka nui i hiki ke koi ʻia mai ka hui.
Aia ka hiki ke helu ia ma o ka calculator o ka papahele papahele o ka Organization of Consumers and Users (OCU), kahi e hiki ai ke kikoʻī ʻia ka nui ma ke komo ʻana i kekahi mau ʻikepili: ke kumu kūʻai mua, ka lā o ke kau inoa ʻana o ka ʻaelike moraki, ka ʻokoʻa pili. a i ʻole ka uku panee mua, i waena o kekahi.
He aha ka manawa laka?
Inā makemake ʻoe e koi i kāu "floor clause", hiki iā FreeClaim ke kōkua iā ʻoe. Hiki i kā mākou mau loio ke kōkua i ka hoʻopau ʻana i nā paukū pua i hoʻokomo ʻia i loko o nā ʻaelike moraki a i ʻole nā ʻaelike hōʻaiʻē. E manaʻo ʻia ʻo ia mau ʻōlelo he mea ʻole a pono ka panakō e hoʻihoʻi i nā kālā kūpono ʻole i hōʻiliʻili ʻia ma ke noi ʻana i ia paukū.
ʻO nā mea i kapa ʻia ʻo "floor clauses" e pale i ka uku paneʻe mai ka hāʻule ʻana ma lalo o ka palena haʻahaʻa, ʻoiai inā ʻo ka Euribor (a i ʻole ka papa kuhikuhi panakō) ma lalo. I kēia manawa, haʻahaʻa loa ka Euribor, no laila inā loaʻa kēia ʻano o nā ʻōlelo hōʻino i kāu moraki, ʻaʻole paha ʻoe e pōmaikaʻi mai ka hāʻule ʻana o ka papa kuhikuhi.
No ka ʻike ʻana inā loaʻa i kāu ʻaelike moraki kahi papa papahele, pono ʻoe e nānā i ka palapala ākea o kāu moraki. Inā ʻōlelo ʻo ia i kēlā me kēia hihia hiki ke emi ka uku panee ma mua o ka pākēneka paʻa, ʻo ia ka paukū papahele.
Eia hou, hiki iā ʻoe ke hoʻomaka i kahi koi ma ka paukū papahele inā ʻaʻole like ka uku panee e ʻike ʻia ma kāu ʻōlelo panakō hope me ka Euribor (a i ʻole ka uku o kāu panakō) a me ka helu ʻokoʻa āu i ʻaelike ai me ka panakō.
