Mtengo wa Euribor
Chiwongoladzanja cha chiwongoladzanja ku Denmark chinatsika kuchokera ku 1,2% m'gawo lachitatu la 2016 kufika pa 0,56% m'gawo lachinayi la 2019. 0,72.
M'kupita kwa nthawi, ngongole zonse zanyumba zogona ku Denmark (kuchokera pa Q2016 2021 mpaka Q270.000 2021) zidakwera, kufika kupitirira €XNUMX biliyoni mu QXNUMX XNUMX.
* Kulemera kwapakati. Deta iyi yawunikidwanso ndipo ikuyimira chiwongola dzanja chosiyana, chomwe ndi chofala kwambiri Deta isanafike kotala lachinayi la 2015 idasonkhanitsidwa kuchokera ku malipoti am'mbuyomu. 2020, by County+Mortgages and Finance Chiwongola dzanja ku Sweden 2016-2021+Residential real estateAvereji mtengo pa lalikulu mita imodzi ya nyumba zogona ku Norway 2021, ndi mzinda+Residential real estate Mtengo wogulira nyumba zatsopano ku Denmark 2016-2020, XNUMX-XNUMX mzinda
Mtengo wa Euribor
Euribor, kapena yuro interbank yoperekedwa, ndi chiwongola dzanja chomwe chimapangidwa kuchokera ku chiwongola dzanja chomwe mabanki a m'dera la yuro amapereka ngongole zosakhalitsa pamsika wapakati. Kukhwima kwa ngongole zomwe zimagwiritsidwa ntchito powerengera Euribor nthawi zambiri zimakhala kuyambira sabata imodzi mpaka chaka chimodzi.
Izi ndizomwe mabanki amabwereketsa kapena kubwereka ndalama zochulukirapo kuchokera kwa wina ndi mnzake kwakanthawi kochepa, kuyambira sabata imodzi mpaka miyezi 12. Ngongole zanthawi yochepazi nthawi zambiri zimakonzedwa ngati mapangano ogulanso (repos) ndipo cholinga chake ndi kuonetsetsa kuti mabanki azikhala ndi ndalama zochulukirapo ndikuwonetsetsa kuti ndalama zochulukirapo zitha kubweza chiwongola dzanja m'malo mongokhala osachita chilichonse.
The euro interbank anapereka chiwongola dzanja (Euribor) amatanthauza, kwenikweni, kwa magawo asanu ndi atatu a msika wa ndalama zomwe zimagwirizana ndi kukhwima kosiyana: mitengo ya sabata imodzi, masabata awiri, mwezi umodzi, miyezi iwiri, miyezi itatu, miyezi isanu ndi inayi, miyezi isanu ndi inayi. ndi miyezi khumi ndi iwiri. Mitengoyi, yomwe imasinthidwa tsiku ndi tsiku, ikuyimira chiwongola dzanja chomwe mabanki a m'dera la yuro amalipirana ngongole zopanda chitetezo.
euribor ndi chiyani
Ngati ndalama zomwe mwavomerezana nazo ndi 2,0% (ndalama zokhazikika pa nthawi yonse ya ngongole) ndipo ndalama zowerengera za Euribor za miyezi 12 ndi 0,1%, chiwongola dzanja chomwe mudzalipire panyumba yanu yanyumba mchaka chotsatira chidzakhala 2,0% (chowonjezera) + 0,1% (chiwerengero chowerengera) = 2,1% (chiwerengero chomaliza).
Ndi chiwongola dzanja chochepa m'dera la yuro, kuphatikizapo chikhulupiliro chofala mu makampani a banki kuti mitengo idzakhalabe yochepa kwa nthawi yaitali, 10, 15, 20 ndi 25 chaka chandalama zobwereketsa zakhala zofala kwambiri.
Pa 11:00 CET, pamene mabanki onse omwe ali mgululi adanena ziwerengero zawo, 15% ya mitengo yapamwamba kwambiri ndi yotsika kwambiri imachotsedwa ndipo pafupifupi mitengo yotsalayo imawerengedwa. Mabanki a gulu amafotokoza za kukhwima kwa 5 (sabata 1, mwezi umodzi, mwezi wa 1, miyezi 3, ndi mitengo ya miyezi 6).
Popeza mtengo wobwereketsa pakati pa mabanki wakhala chinthu chofunikira kwambiri pamitengo yonse yomwe banki ili nayo popereka ngongole kwa makasitomala ake, Euribor yakula mwachangu kuyambira pomwe idakhazikitsidwa mu 1999 (pamodzi ndi kukhazikitsidwa kwa Euro). index for mortgages ku Europe.
Zolosera za Euribor zaka 10
Kodi mukufuna kuwona kusiyana pakati pa chiwongola dzanja chokhazikika ndi chiwongola dzanja chosinthika? Kapena ngongole imodzi yokhala ndi kuchotsera ndipo yopanda? Apa muli ndi kayeseleledwe ndi kubwereketsa ndalama 150.000 mayuro pa 30 zaka.
Ku Banco Sabadell timapereka ntchito zina (zochotsera) zomwe zimathandizira kuchepetsa chiwongola dzanja panyumba yanu yanyumba (APR). Mutha kupanga mgwirizano umodzi kapena zingapo, koma mukamagwira ntchito zambiri, chiwongola dzanja chanu chidzatsika. Ntchito zomwe zimaphatikizapo kuchotsera ndi: payroll direct debit, contract inshuwaransi ya moyo, inshuwaransi yakunyumba ndi inshuwaransi yoteteza zolipira.
The Property Registry imayang'ana momwe zinthu zilili pagawo lomwe mugule. Izi zimatsimikizira ngati nyumbayo ili yaulere monga ngongole zanyumba ndikusanthula zomwe zikuchitika, katundu ndi umwini.
Kuchotsera kwakukulu: malipiro kapena penshoni mwachindunji ndi kupanga mgwirizano wa inshuwaransi yogwirizana: Inshuwaransi ya Constant Principal Life Protection, Inshuwalansi Yoteteza Kunyumba ndi Inshuwalansi Yoteteza Malipiro ndi Banco Sabadell.
