Mkhalidwe Wam'mbuyo, Mkhalidwe Wotsatira ndi Mkhalidwe Weniweni mu Malo Ogulitsa Malo
Ku Carlos Haering Abogados titha kuwona ngati ngongole yanu ikuphatikiza ndi gawo lapansi. Tiphunzira nkhani yanu, kudziwa zotheka ndi kukuthandizani kuti mubweze ndalama zonse zomwe mudalipira mopitilira muyeso.
Zigawo zapansi za ngongole zanyumba zakhala vuto kwa ogula ambiri, omwe apeza kuti sangapindule ndi kuchepa kwa EURIBOR komwe kwachitika m'zaka zaposachedwa, zomwe zafika kutsika kwake kwa mbiri yakale chifukwa cha mavuto azachuma.
Pa nthawi yosayina ngongole yanyumba, muyenera kudziwa ndi kulandira zidziwitso zonse zokhudzana ndi ziganizo zonse ndi "zolemba zazing'ono". Gawo la pansi limakhazikitsa chiwongola dzanja chochepa pamagawo onse angongole yanu yanyumba, mosasamala kanthu za chiwongola dzanja chamsika. Chifukwa chake, ngati chiwongola dzanja cha EURIBOR kuphatikiza chiwongola dzanja chake chapano chimapangitsa kuti chiwongola dzanja chikhale chochepa kuposa chomwe chakhazikitsidwa mu Gawo Lapansi, simungathe kulipira mtengo wocheperako ndipo mudzalipidwa, m'malo mwake, mulingo wa Gawo Lapansi. .
Makasitomala ambiri asayina ngongole yanyumba popanda kudziwitsidwa za kukhalapo kwa Gawo Lapansi ndi zotsatira zake, ndipo mchitidwe woterewu ukhoza kuwonedwa ngati wankhanza kapena wosawonekera kwambiri ndi banki yawo. Momwemo, zitha kukhala zotengera zonena zamalamulo, ndi kuthekera kwakukulu kopambana.
Kutembenuka kwapawiri PAMENE/ PAMBUYO poyenda ndi malonda
Potengera zomwe zili mu Royal Decree-Law 1/2017 pazachitetezo chachangu cha ogula malinga ndi zigamulo zapansi, Banco Santander yakhazikitsa Floor Clauses Claims Unit kuti ithane ndi zomwe ogula angapange potsatira lamulo la Royal Decree. -Chilamulo.
Kamodzi kulandilidwa ku Claims Unit, idzaphunziridwa ndipo chisankho chidzapangidwa kuti chikhale chovomerezeka kapena chosavomerezeka.Ngati sizovomerezeka, wodandaulayo adzadziwitsidwa zifukwa zokanira, kuthetsa ndondomekoyi.
Ngati kuli koyenera, wodandaulayo adzadziwitsidwa, kusonyeza kuchuluka kwa ndalama zomwe zabwezeredwa, zowonongeka ndikuwonetsa ndalama zomwe zikugwirizana ndi chiwongoladzanja. Wopemphayo ayenera kulankhulana, mkati mwa masiku opambana a 15, mgwirizano wawo kapena, ngati kuli koyenera, kutsutsa kwawo kwa ndalamazo.
Ngati avomereza, wodandaulayo ayenera kupita kunthambi yawo ya Banco Santander kapena nthambi ina iliyonse ya Banki, kudzizindikiritsa, ndi kufotokoza kuvomereza kwawo mwa kulemba ndi lingaliro lopangidwa ndi Banki, losaina pansipa.
Kodi pafupifupi malipiro otsika a nyumba ku New York ndi ati?
Mutha kupeza chigamulo chapansi (Clausula Suelo) pachikalata chanu chobwereketsa. M'Chisipanishi, chikalatachi chimatchedwa "Deed of Mortgage Loan". Chikalatacho chinasindikizidwa nthawi yomweyo malowo adagulidwa.
Chikalata cha ngongole chikasainidwa pamaso pa notary, banki imapita nayo ku registry ya katundu kuti ikalembetse. Chikalata cha ngongole chikalembetsedwa, banki ilandila ndipo iyenera kutengedwa ndi kasitomala kapena loya wawo.
Mutha kupeza mndandanda wamalipiro omwe adaperekedwa kuyambira pomwe mudasaina ngongole yanyumba patsamba la banki kapena kunthambi komwe muli ndi ngongole. Ngati chiwongola dzanja chatsika ndipo chiwongola dzanja chanu sichinatero, ndiye kuti muli ndi gawo lachiwongola dzanja.
Muyenera kutumiza fomu ku banki yanu ndi kopi ya chikalata chobwereketsa nyumba ndi risiti yaposachedwa yotsimikizira kubweza ngongole yanyumba pamwezi. Kuphatikiza apo, mutha kutumiza kuyerekeza kwamalipiro ochulukirapo. Banki sikufunika kuti ikuyankheni, koma nthawi zambiri imayankha makasitomala ake povomereza kapena kukana zomwe mukufuna. Ngati banki siyikuletsa gawo lanu la ngongole yanyumba ndikubweza ndalama zomwe mudalipira mopitilira muyeso, muyenera kuyambitsa chigamulo chalamulo.
菊子学房地产英语第二弹！ Pitilizani kuyeserera!
Royal Decree-Law 1/2017, ya Januware 20, pamiyezo yoteteza ogula mwachangu malinga ndi ziwongola dzanja zochepa, zomwe zidasindikizidwa pa Januware 21, 2017, ikufuna kukhazikitsa zochita kuti zithandizire kubweza ndalama zomwe ogula amalipira kumabungwe angongole chifukwa cha ziwongola dzanja zina zochepera zomwe zili mungongole kapena mapangano angongole okhala ndi chitsimikizo chanyumba.
Pomwe kuchuluka kwa kubwezeredwa kwavomerezedwa, njira yeniyeni yobwezera ikhoza kudziwika kuti ndalamazo zibwererenso. Wofuna chithandizo adzakhala ndi nthawi ya masiku 15 kuti afotokoze mgwirizano wawo.
