Momwe mungayang'anire zikalata zamalamulo musanagule malo?
Ndikukhulupirira kuti nonse munamvapo za "zigawo zapansi" zodziwika bwino zomwe zili m'mapangano anyumba yaku Spain. Komabe, monga ndikutsimikiza kuti mwamva, ndikutsimikiza kuti simukudziwa zomwe zili kapena zomwe zikuphatikiza. Chisokonezo ichi, chomwe chilipo kale m'dera la Spain komanso makamaka kunja, ndi chifukwa cha kuchuluka kwakukulu kwa zotsutsana, ndipo nthawi zina zabodza, zomwe zimafalitsidwa ndi atolankhani. Ngakhale ndiyenera kuvomereza kuti maphunziro a zigzagging omwe maulamuliro aku Spain atenga sathandiza izi.
"Chigamulo chapansi" ndi chigamulo mu mgwirizano wa ngongole yomwe imakhazikitsa ndalama zochepa zobweza ngongole, mosasamala kanthu kuti chiwongoladzanja chogwirizana ndi bungwe lazachuma ndi chocheperapo.
Ngongole zambiri zomwe zimaperekedwa ku Spain zimagwiritsa ntchito chiwongola dzanja chomwe chimakhazikitsidwa potengera kuchuluka kwazachuma, nthawi zambiri Euribor, ngakhale pali ena, kuphatikiza kusiyana komwe kumasiyana malinga ndi bungwe lazachuma lomwe likufunsidwa.
Zomwe muyenera kudziwa za kusiyana kwa mtengo
M'nyumba zanyumba zambiri zaku Spain, chiwongola dzanja chomwe chikuyenera kulipidwa chimawerengedwa potengera EURIBOR kapena IRPH. Ngati chiwongoladzanja ichi chikuwonjezeka, ndiye kuti chiwongoladzanja pa ngongole chimawonjezeka, mofanana, ngati chichepa, ndiye kuti chiwongoladzanja chidzachepa. Izi zimadziwikanso kuti "chiwongola dzanja chosinthika", popeza chiwongola dzanja chomwe chimayenera kulipidwa pa ngongole yanyumba chimasiyana ndi EURIBOR kapena IRPH.
Komabe, kuyika kwa Floor Clause mu mgwirizano wa ngongole kumatanthauza kuti obwereketsa ngongole sapindula mokwanira ndi kugwa kwa chiwongoladzanja, popeza padzakhala chiwongoladzanja chochepa, kapena pansi, chiwongoladzanja chomwe chiyenera kulipidwa pa ngongole. Mulingo wa chigamulo chocheperako udzadalira banki yomwe imapereka ngongole yanyumba ndi tsiku lomwe adachita nawo mgwirizano, koma ndizofala kuti mitengo yocheperako ikhale pakati pa 3,00 ndi 4,00%.
Izi zikutanthauza kuti ngati muli ndi chiwongola dzanja chosinthika ndi EURIBOR komanso pansi pa 4%, EURIBOR ikatsika pansi pa 4%, mumatha kulipira chiwongola dzanja cha 4% pa ngongole yanu yanyumba. Popeza EURIBOR pakadali pano ilibe vuto, pa -0,15%, mukulipira chiwongola dzanja chochulukirapo panyumba yanu yanyumba chifukwa cha kusiyana pakati pa mtengo wocheperako ndi EURIBOR wapano. Pakapita nthawi, izi zitha kuyimilira masauzande a ma euro owonjezera pazolipira chiwongola dzanja.
Kodi muyenera kusiya kuyesedwa kovomerezeka?
Chigamulo chapansi, chomwe nthawi zambiri chimaperekedwa m'mapangano azachuma mogwirizana ndi malire apamwamba kapena chiwongola dzanja chocheperako, chimatanthawuza chikhalidwe chomwe chimaphatikizidwa ndi mapangano azachuma, makamaka ngongole.
Monga ngongole ingagwirizane pamaziko a chiwongoladzanja chokhazikika kapena chosinthika, ngongole zomwe zimagwirizanitsidwa ndi mitengo yosinthika nthawi zambiri zimagwirizanitsidwa ndi chiwongoladzanja chovomerezeka (ku United Kingdom LIBOR, ku Spain EURIBOR) kuphatikizapo ndalama zowonjezera (zomwe zimadziwika kuti kufalikira kapena malire).
Popeza maphwando adzafuna kukhala ndi chitsimikiziro cha ndalama zomwe zidalipiridwa ndi kulandilidwa ngati zikuyenda mwamphamvu komanso mwadzidzidzi pa benchmark, iwo akhoza, ndipo nthawi zambiri amavomerezana pa dongosolo lomwe ali otsimikiza kuti malipiro sadzakhala otsika kwambiri. . (ndi banki, kotero kuti ikhale ndi phindu linalake ndi lokhazikika) kapena lapamwamba kwambiri (ndi wobwereketsa, kuti malipiro azikhalabe pamtengo wotsika mtengo panthawi yonse ya ngongole).
Komabe, ku Spain, kwa zaka pafupifupi khumi, chiwembu choyambirira chaipitsidwa mpaka pakhala kofunika kuti Khoti Lalikulu la ku Spain lipereke chigamulo choteteza ogula / obwereketsa ku nkhanza zomwe mabanki amawachitira.
Banki yaku Spain imabwerera ku "Floor Clause" the "Floor Clause"
Kutengera 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 angachite 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.
