Boma la Biden ndi "mantha komanso okhudzidwa" ndi Ukraine
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.
Prime Minister amavomereza 'kukhumudwa' chifukwa cha kufalikira kwa Omicron
Chigamulo chatsopano cha Khothi Lachilungamo la European Communities pa milandu ya ngongole yanyumba. Pali zabwino zambiri zonena za Spain, kuyambira nyengo yake mpaka chakudya chake chosangalatsa komanso anthu olandiridwa bwino. Tsoka ilo, mabanki ake ndi oyang'anira ake akufunikabe kukonzanso. Zaka khumi kuchokera pamavuto azachuma, makhothi a ku Europe akhala akuwongolera anthu aku Spain mosalekeza pazosankha zawo pamabanki aku Spain. Ambiri a iwo akhala akugwirizana ndi zigamulo za kubwereketsa nyumba zomwe pambuyo pake zinaonedwa kuti ndi zapathengo. Chodziwika kwambiri ndi chiwongolero chapansi kapena chiwongolero chapansi, chomwe chinakhazikitsa chiwongoladzanja chochepa chomwe chiyenera kulipidwa chomwe chinali chachikulu kuposa EURIBOR index index.
Del Canto Chambers yakhala yotanganidwa kwambiri zaka makumi angapo zapitazi ndikupambana milandu yamakasitomala ku Spain ndi UK. M'malo mwake, kwa anthu ambiri aku Britain kunali kofunikira kubwereka maloya aku Spain odziwa zambiri zamachitidwe am'deralo, komanso omwe anali ndi maziko ogwirira ntchito ku United Kingdom.
Popeza ndikofunikira kutsatira izi mosamalitsa, apa tiwonanso zosintha ziwiri zofunika kwambiri kuti obwereketsa athe kutengera mabanki aku Spain. Zikhala zofunikira makamaka kwa eni nyumba aku Britain aku Spain omwe angamve kuti sakukhudzidwa ndi nkhani za kontinenti.
Pakuti pamene European Court chigamulo clause land mortgages? pa intaneti
Mu Meyi 2013, Khothi Lalikulu ku Spain lidagamula kuti ngongole zanyumba ngati izi ndi "zankhanza", koma mabanki poyamba sanalamulidwe kubweza makasitomala. Mu Epulo 2016, woweruza waku Madrid adapitilira, ndikugamula kuti 40 mwaobwereketsa akulu ku Spain amayenera kubweza obwereketsa chiwongola dzanja chowonjezera chomwe adalipira pa ngongole zanyumba kuyambira 2013.
Ngongole zambiri zosinthika zimalumikizidwa ndi chiwongola dzanja cha ku Europe (EURIBOR). Chigamulo cha pansi kapena Chigamulo cha Pansi ndi chigamulo chomwe chimaika chiwongoladzanja chochepa pa ngongole zanyumba zosinthika, ndikukhazikitsa malire pa kutsika kwa mtengowo. Chifukwa chake, ngakhale chiwongola dzanja chikatsika, ndimeyo imakhala ngati malire kapena pansi. Kawirikawiri, malirewa amatha kukhala pakati pa 2,5% ndi 4,5% pamene EURIBOR yakhala yotsika kwambiri.
Pambuyo pavuto lazachuma, chiwongola dzanja cha ku Europe chatsika ndipo chakhalabe chotsika kwambiri, zomwe zikutanthauza kuti ogula ngongole zanyumba zaku Spain zomwe ali ndi gawo lanyumba yawo sanapindule mokwanira ndi chiwongola dzanja cha chiwongola dzanja chotsika kwambiri m'zaka zaposachedwa. atha kulipira ma euro masauzande ambiri pachiwongola dzanja kuposa momwe amafunikira.
Pakuti pamene European Court chigamulo clause land mortgages? 2022
Timakhulupirira kwambiri kuti zambiri mwa "zigawo zolowera" zomwe zikuwonetsedwa m'makontrakitala a ngongole ndizopanda chilungamo ndipo makasitomala akubanki amavulazidwa ndikulangidwa chifukwa chosowa chidziwitso chazachuma. Ndikwabwino kukhala ndi maloya odziwa bwino kukuthandizani kuti athe kukambirana ndi banki m'malo mwanu, ndipo akhoza kuzemba mlandu kubanki kuti ikusungireni ndalama pamwezi uliwonse, popeza chiwongola dzanja chomwe mumalipira chimakhala chokwera kuposa chiwongola dzanja chokhazikitsidwa. ndi Central Bank European Ngati mutalumikizana ndi kampani yazamalamulo kuti ikutengereni ndalama zomwe mukufunikira kubwereketsa nyumba, mudzakhala ndi mwayi wowonanso ntchito zanu kuti muwonetsetse ngati pali ndalama zochepa zomwe mungabwereke. Ngati ndi choncho, mutha kupempha a Banki kuti akubwezereni ndalama zomwe zikukutengerani chifukwa cha mawu achipongwewo.
