Pezani ngongole ku Spain ngati mlendo
Spain ndi maloto osamukira kokhazikika komanso kwakanthawi. Komabe, kuthana ndi akuluakulu aku Spain kumatha kukhala kovutirapo, makamaka zikafika pakukonza kukhala kwanu ku Spain. Kuti titsogolere ndondomekoyi, m'munsimu tikufotokozera zosankha zosiyanasiyana zokhala ndi dziko.
Njira ndi zolemba zofunika zimasiyana kwambiri kutengera momwe mulili: Lamulo lokhala ku Spain komanso dziko lawo limasiyanitsa nzika zaku Europe ndi zomwe si za ku Europe. Palinso zosankha kwa osunga ndalama ndi amalonda. Kuti mudziwe chomwe chili chabwino kwa inu, banja lanu ndi bizinesi yanu, titumizireni.
Nzika za EEA (maiko a European Union kuphatikiza Iceland, Leichtenstein ndi Norway) ndi nzika zaku Swiss zitha kukhala ndikugwira ntchito ku Spain kwamuyaya popanda kufunikira kwa visa. Komabe, ngati mukufuna kukhala miyezi yopitilira itatu, muyenera kulembetsa mwalamulo ngati wokhalamo ndikutsimikizira:
Kutengera ndi momwe zinthu ziliri, zolemba zomwe zingafunike zikakhala: satifiketi yolemba ntchito kapena kulembetsa ngati wodzilemba ntchito komanso umboni wakuti mukulipira chitetezo cha anthu ku Spain (EEA kapena anthu aku Switzerland omwe amagwira ntchito komanso odzilemba okha); umboni kuti muli ndi ndalama zokwanira kudzisamalira nokha ndi banja lanu (mu 2020, izi zinali zosachepera € 400 pamwezi pa munthu) komanso kukhala ndi inshuwaransi yaumwini kapena yaboma.
European Commission Mortgage Credit Directive
Zikachitika kuti onse omwe ali ndi akaunti ya Basic Payment Account azindikirika kuti ali pachiwopsezo chapadera kapena pachiwopsezo chochotsedwa pazachuma, chiwongola dzanja chachikulu chamunthu payekha komanso ophatikizana pazantchito zomwe tatchulazi chidzakhala 0 mayuro.
Wofuna chithandizo atha kupempha kuti ali pachiwopsezo chapadera polemba fomu yomwe idzaperekedwe limodzi ndi zolemba zonse za Basic Payment Account ndikupereka zolembedwa zomwe zili m'chikalatacho.
Kuvomerezeka kwa zochitika zomwe zingapangitse kuti akauntiyo ikhale yaulere. Onse okhala ndi maphwando ololedwa ayenera kukwaniritsa izi. Zolemba zotsatirazi ziyenera kuperekedwa mogwirizana ndi anthu onse a m’banjamo.
Ngati kasitomala alibe zolembedwa zomwe zatchulidwa m'gawo lapitalo, ayenera kupereka lipoti lofotokoza momwe banja lilili kapena kufotokoza zifukwa zoyenerera kupeza Akaunti yaulere ya Basic Payment Account. Muyenera kupempha lipotili kuchokera ku mabungwe azachitukuko a holo yatawuni yomwe mwalembetsa.
Zowerengera za Mortgage ku Spain
Mwaganiza kale kuti mukufuna kuyamba kukhala ku Spain. Mwasankhanso kuti mzinda wanu watsopano udzakhala wotani. Ino ndi nthawi yogula malo kapena nyumba yanu yatsopano. Ndipo izi zili ndi tanthauzo lofunikira: muyenera kubwera ndi ndalama zolipirira malowo. Ndipo tikulankhula za kuchuluka kwakukulu, kotero kupeza ndalama ndikofunikira. M'lingaliro limeneli, Spain imapereka mwayi wabwino kwambiri wopezera ngongole ngati munthu wochokera kunja. Ndipo m'nkhaniyi tikambirana za chirichonse chokhudzana ndi izo.
Mwina simukudziwa, koma Spain ikhoza kukhala imodzi mwamayiko abwino kwambiri kugula malo. Ndipo ndikuti kupeza ngongole kuli ndi zabwino zambiri pano. Chimodzi mwa izo ndi zotsika mtengo zogwirizana ndi ntchitoyi. Koma komanso kusinthasintha komwe kumapereka.
Ngati mabanki ataya ndalama zomwe amapeza kale, ayenera kukhala akulandira ndalamazo kuchokera kwina. Ayenera kulipira wogula kuchokera kumalo ena. Ndipo izi ziyenera kukhala powonjezera chiwongola dzanja pa ngongole yanyumba. Palibe njira ina.
Zimatenga nthawi yayitali bwanji kuti mupeze ngongole ku Spain?
A
