Ongororo ye mortgage credit directive
Kunyangwe kugoverwa kwemari yemumba muIreland kuri kwakanyanya kusaenzana muEU pamberi pemitero nemabhenefiti, chidzidzo ichi chinopedzisa kuti inofambira mberi mutero weIrish inogadzirisa mamiriro ezvinhu aya, zvichiunza kusaenzana kwemari padyo neavhareji yeEU.
"Zvinhu zviviri zvinonyanya kufambira mberi zvehurongwa hwedu hwemitero mutoro wakafararira wepasi rose uye danho rekutanga iro mutero wepamusoro unoshanda. Pamwe chete, vanounza huwandu hwekusaenzana kwemari padyo neavhareji yeEU, "akawedzera.
-Kusaenzana kwemari mutero usati wasvika uye mabhenefiti akawedzera pamusoro pemakore makumi matatu apfuura, uye muna 30 (gore rapfuura iro data riripo) iro revakapfuma 2017% yemhuri yaive yakapetwa ka10 kupfuura iyo yeavhareji mhuri. .
-Zvisinei, kusaenzana kwemari yemumba kwakadzikira pamatanho mazhinji panguva ino. Izvi zvinonyanya kuitika nokuti kukura kwainyanya kusimba kumhuri dzine mari yakaderera pakati pe1997 ne2007, apo mari yepasi yechishanu yemhuri yakawedzera neavhareji inopfuura 12% pagore mumashoko chaiwo (mushure mekutora inflation).
Mortgage Chikwereti Directive
(No. 27 ye1972), uye kuitira kuti iite maererano neDirective 2014/17/EU yeEuropean Parliament uye yeKanzuru, yaFebruary 4, 2014, maererano nezvibvumirano zvechikwereti chemutengi zvezvivakwa zvekushandisa pekugara uye iyo Directives 2008. / 48/EC uye 2013/36/EU uye Regulation (EU) Nha. 1093/2010 yakagadziridzwa, inogadza mitemo inotevera:
"Masevhisi ekuraira": kupihwa kwekurudziro yemunhu kumutengi zvine chekuita neimwe kana anopfuura mashandiro ane chekuita nezvibvumirano zvechikwereti uye anoita chimwe chiitiko kunze kwekupihwa kwekiredhiti uye kupindirana kwechikwereti zviitiko;
"Annual yakaenzana chiyero" kana "APR": mutengo wakazara wechikwereti kumutengi, unotaridzwa sechikamu chegore chehuwandu hwechikwereti, pazvinenge zvakakodzera, kusanganisira mutengo wakataurwa muchikamu 2 cheMutemo 18, uye icho chiri zvakaenzana, pagore, pakukosha kwazvino kwezvipikirwa zvese zveramangwana kana zviripo (kurasa, kubhadhara, uye mari) zvakabvumiranwa nemukweretesi nemutengi;
Nyanzvi dzenyika dzeEuropean Mortgage Federation
Mabhangi eSpain akaita shanduko huru kubva muna 2010, apo bhanga renyika reSpain rakasimbisa mitemo. Mabhanga akati wandei eko akamanikidzwa kubatanidza kana kutengwa nemabhanga makuru. Nenzira iyi, mabhangi eSpain iye zvino akasimba uye ane hutano. Kutenda kune izvi, kusachengeteka kwedambudziko rebhangi ra2009 kwapera, mabhanga anoda kukweretesa mari zvakare uye mamiriro akagadzikana.
MuSpain, mugari weEU anogona kukwereta kusvika makumi manomwe muzana, dzimwe nguva 70%, yemutengo wekutenga wenzvimbo, iyo inomisikidzwa sechibatiso. Izwi rinowanzosvika kumakore makumi matatu, kunyangwe paine zvipimo nekuda kwezera remukwereti, sezvo mabhanga achida kuti chikwereti chibhadharwe asati asvika makore makumi manomwe nemashanu. Izvi zvinoreva kuti mukwereti ane makore makumi matanhatu ekuberekwa anogona kuwana makore gumi nemashanu.
Kana iwe uchida yakakwira LTV (Chikwereti Kune Kukosha), pamwe kudzoserwa kwebhangi kunogona kuve kwemubereko, bhangi rinotengesa rinowanzopa akakosha mamiriro uye mitengo, kunyangwe inosvika zana muzana remutengo wekutenga. Asi mumusika watiri zvino zvakaoma kuwana nzvimbo yakanaka inoenderana nezvinodiwa nevatengi. Mumakore achangopfuura mabhanga akatengesa masheya mazhinji aakange asiya mudambudziko uye mamiriro uye kuwanikwa kwemabhanga haafarire vatengi panguva ino.
chiyero chemuridzi wemba eu
Kana iwe uchida kutenga imba kuUK asi usina nguva yekuvandudza chibodzwa chako chechikwereti, unogona kukwanisa kuwana imba yemba kunyange uine chikwereti chakashata semugari weEU, asi ungangoda mari yakawanda.
Nekuendesa ruzivo rwako, unobvuma kuti Clever Mortgages, kana mumiriri akasarudzwa weFinancial Makeover Ltd, anogona kuvashandisa kupindura kubvunza kwako. Ndokumbira utarise kuti yese yechipiri mitoro uye zvigadzirwa zvekutengesa zvichabatwa neClever Lending, iro zita rekutengesa reMari Makeover.
Clever Mortgages izita rekutengesa reFinancial Makeover Limited. Financial Makeover Limited ikambani ine zvishoma yakanyoreswa kuEngland neWales pasi pekunyoresa nhamba 6111701. Hofisi Yakanyoreswa: Kempton House, Dysart Road, PO Box 9562, Grantham, Lincolnshire NG31 0EA. Financial Makeover Limited inotenderwa uye inodzorwa neFinancial Conduct Authority ine nhamba yekunyoresa 706595. Kubvunza kwako kwekutanga uye makotesheni hazvibhadharwe uye hauna chisungo chekutevedzera chero sarudzo dzaunopiwa. Kana ukafunga kuenderera mberi nechikwereti chemba kana chikwereti chakachengetedzwa, iwe uchabhadhariswa muripo. Mafoni edu anogona kurekodhwa nekutariswa kuitira kudzidziswa, kutevedzera uye zvinangwa zvekutonga. Ndapota cherechedza kuti zvikwereti zvekutengesa uye zvimwe zvekutenga-kurega-kurega hazvisi zvigadzirwa zvinotungamirirwa neFCA.
