Nā ʻōlelo hōʻino i kāu ʻaelike moraki
Ua ʻōlelo ka ʻAha Hoʻokolokolo o ka Hui ʻEulopa (CJEU) i kāna hoʻoholo ʻana i ka lā Malaki 3, 2020, hiki i nā mea kūʻai aku ke hoʻopiʻi ʻia e ka index IRPH (Mortgage Loan Reference Index), kahi ʻōlelo kuhikuhi no nā hōʻaiʻē moraki, hiki ke koi kūʻē i nā panakō Sepania.
Ma muli o ka ʻikepili, hiki iā mākou ke ʻōlelo ua ʻoi aku ka kiʻekiʻe o ka uku paneʻe IRPH ma mua o nā mea i pili i ka Euribor. Ua kūʻai aku nā panakō i kēia mau kumukūʻai i nā mea kūʻai aku ma ke ʻano he ʻokoʻa paʻa i ka fluctuating Euribor, aia i kēia manawa nā uku maikaʻi ʻole.
No ka hana ʻana i kēia, ʻo kēlā me kēia mea ʻaiʻē e makemake ana e koi e pili ana i kā lākou mau ʻōlelo kuhikuhi IRPH pono e waiho i kahi koi hoʻokolokolo hoʻokahi, a pono e loiloi ʻia kēlā koi e ka ʻAha ma muli o ko lākou kūlana ponoʻī.
No laila, e hoʻoholo kēlā me kēia ʻAha inā hoʻokō ka mea hāʻawi kālā i nā kuleana ʻike i hāʻawi ʻia ma ka National Transparency Legislation e hoʻomohala ana i ka Directive e pili ana i kēlā manawa (Directive 93/13).
E pili ana i ke kuleana o ka ʻike, ua ʻōlelo ke Komisina ʻEulopa he kuleana ko nā mea hōʻaiʻē / panakō e wehewehe i ka uku pānaʻi loli o ka moraki IRPH i ka mea kūʻai ma mua o ke kau inoa ʻana i ka ʻaelike.
Nā Hui Fuster
E hoʻomaka kākou ma ka wehewehe ʻana i ke ʻano o ka moraki: he kuhikuhi ia i hoʻohana ʻia i ka helu ʻana i ka uku panee a mākou e uku ai i kā mākou moraki, i mea e hoʻololi mau ai lākou i nā kumukūʻai makeke. E hoʻomaka me ka mea maʻamau: ka Euribor.
(Euro Inter Bank Offered Rate) ka papa kuhikuhi maʻamau. Hoʻokumu ʻia ia ma ke kumukūʻai a nā panakō ʻEulopa e hāʻawi i kekahi i kekahi. Ua helu ʻia e like me ka awelika o nā kumukūʻai o kēlā me kēia lā o ka uku paneʻe o nā waihona eurozone, e hoʻopau ana i ka 15% kiʻekiʻe a haʻahaʻa loa. I kēia manawa, helu ʻia nā moraki āpau me Euribor. Eia nō naʻe, pono ʻoe e ʻike i nā helu ʻē aʻe:
No laila, ʻoiai nā helu helu o kēia manawa, ma ka hoʻomaʻamaʻa hoʻokahi wale nō i hoʻohana ʻia. Eia nō naʻe, i ke koho ʻana i kā mākou moraki, he mea nui e nānā i kahi mea ʻē aʻe ma mua o ka uku o ka mahina no ka makahiki mua, ʻoiai, no ka laʻana, hoʻololi nā kūlana o nā moraki variable-rate i kēlā me kēia loiloi. He mea nui e noʻonoʻo i ka ʻokoʻa a me ka helu kuhikuhi, a me nā pakuhi o ka hoʻomohala ʻana o kēia mau helu.
ʻO nā koi o ka IRS ma Sepania. Hoʻopili ʻia ka moraki me ka IRPH
Hiki iā ʻoe ke ʻimi i ka mea nona kāu moraki ma ka pūnaewele, kelepona, a i ʻole e hoʻouna i kahi palapala noi i kāu mea lawelawe e nīnau ana i ka mea nona kāu moraki. Pono ka mea lawelawe e hāʻawi iā ʻoe, i ka maikaʻi o kona ʻike, me ka inoa, ka helu wahi, a me ka helu kelepona o ka mea nona kāu hōʻaiʻē.
ʻAʻole maʻalahi ka ʻike i ka mea nona kāu moraki. Nui nā hōʻaiʻē moraki i kūʻai ʻia a ʻaʻole paha iā ʻoe kāu moraki i ka mea lawelawe āu e uku ai i kēlā me kēia mahina. I kēlā me kēia manawa e hoʻoili ka mea nona kāu hōʻaiʻē i ka moraki i kahi mea hou, pono ka mea hou e hoʻouna iā ʻoe i kahi leka. Inā ʻaʻole ʻoe ʻike i ka mea nona kāu moraki, aia nā ala like ʻole e ʻike ai. E kelepona i kāu mea lawelawe moraki Hiki iā ʻoe ke loaʻa ka helu o kāu mea lawelawe moraki ma kāu ʻōlelo moraki a i ʻole puke coupon. Huli i ka Pūnaewele Aia kekahi mau mea hana pūnaewele hiki iā ʻoe ke hoʻohana no ka ʻimi ʻana i ka mea nona kāu moraki. noi ʻO kahi koho ʻē aʻe e waiho i kahi noi i kākau ʻia i kāu mea lawelawe moraki. Pono ka mea lawelawe e hāʻawi iā ʻoe, i ka maikaʻi o kona ʻike, ka inoa, ka helu wahi, a me ka helu kelepona o ka mea nona kāu hōʻaiʻē. Hiki iā ʻoe ke waiho i kahi noi kākau kūpono a i ʻole noi no ka ʻike. Eia kahi laʻana leka e kōkua iā ʻoe e kākau i kāu mea lawelawe moraki e noi i ka ʻike.
Nā nūhou hou loa e pili ana i ka moraki IRPH
Wahi a Mr. Maciej Szpunar, hiki ke kūʻai hewa ʻia ka moraki IRPH a e hoʻoholo ko mākou mau luna kānāwai i kēlā me kēia hihia inā i hoʻohana ʻia ka ʻike maopopo i ka wā i ʻaelike ai nā mea hoʻohana i kahi moraki me kēlā uku.
ʻO ka mea a ka loio kuhina i ʻōlelo ai i kāna mau manaʻo, ʻo ka ʻoiaʻiʻo ʻo ka IRPH he papa kuhikuhi kūhelu ʻaʻole ia e maopopo, ʻoiaʻiʻo, manaʻoʻiʻo ʻo ia he paʻakikī loa ke ʻano helu helu i hoʻohana ʻia e ka ʻāpana kālā no ka mea kūʻai maʻamau.
No kēia kumu, ua ʻōlelo ʻia he pono ke hoʻomaopopo ʻia ka mea kūʻai aku i nā hopena o ke kuhikuhi ʻana i kā lākou moraki me kēia hōʻailona. ʻO ia ke kī, wahi a Mr. Szpunar, inā paha ua kūʻai pololei ʻia ka moraki.
- ma ka lima hoʻokahi, lawa i ka mea kūʻai aku e hoʻoholo i ka hoʻoholo noʻonoʻo a me ka ʻike piha e pili ana i ke ʻano o ka helu ʻana i ka uku paneʻe e pili ana i ka hōʻaiʻē moraki i ʻaelike ʻia a me nā mea e komo ai, ʻaʻole wale i ka wehewehe piha o ka kuhikuhi kuhikuhi. hoʻohana ʻia e kēia ʻano helu helu, akā ʻo nā ʻōlelo hoʻi o nā lula pili aupuni e hoʻoholo ai i ka ʻōlelo kuhikuhi, a,
