Iyo Sims Freeplay- Ground Clause Tour [Kisimusi 2021
Chirevo chepasi ndicho chinonyanya kutaurwa kune vanokweretesa, sezvo chikamu ichi chaizovimbisa kuti mubereko wauchabhadhara haungambodonhedzi pasi peimwe nhanho iyo, kazhinji, yave iri 3 - 5,5%. Tichifunga kuti mitengo yemubereko kubvira 2011 yadzikira uye EURIBOR iri pasi pe zero, zvinoreva kuti unenge uchibhadhara mubereko wepamusoro zvakanyanya uchienzaniswa nemitengo iripo pamusika.
Semuenzaniso, mutengi wedu akatora chikwereti che220.000 euros muna 2007 aine chikamu chepasi che3,5%, asi aine maringe pamusoro peEURIBOR ye1,25. Ndakanga ndichibhadhara 3,5% apo ndaifanira kunge ndichibhadhara 1,25% kwemakore matanhatu apfuura.
Isu tinofungidzira kuti mutengi akange adhurirwa ne23.000 euros, asi pakupedzisira akazowana mari inodarika zviuru makumi maviri nezvinomwe zvemaeuro, achipihwa nguva yaakatora kuti mukweretesi asvike pakugadzirisa kunze kwedare uye 27.000% muripo wemuripo uyo bhangi raifanira kubhadhara.
Iye zvino mukweretesi abvuma kubvisa iyo 'mis-sale' pasi clause, mutengi uyu mitsva yekubhadhara imba yave kuverengerwa pamubereko chaiwo we1,25% panzvimbo ye3,5%, zvichireva kuti Ucharamba uchichengeta zviuru zvemaeuro pagore. kwenguva yasara yemendenenzi yawakasaina.
Mashandiro Anogona Kugadziriswa Reti Mortgages - ARM Zvikwereti Zvinotsanangurwa
Mumamortgage mazhinji eSpanish, mubereko unobhadharwa unoverengerwa nereferensi EURIBOR kana IRPH. Kana mubereko uyu ukawedzera ipapo mubereko wemortgage unowedzerawo, zvimwewo kana wadzikira ipapo mubereko wekubhadhara unodzikira. Izvi zvinozivikanwawo se "kusiyana kwemwero wemortgage", sezvo mubereko unobhadharwa pachikwereti unosiyana neEURIBOR kana IRPH.
Nekudaro, kuiswa kweiyo Floor Clause mukontrakiti yekukweretesa kunoreva kuti varidzi vemondgage havabatsiri zvizere kubva mukudonha kwemubereko, sezvo pachange paine mwero wepasi, kana pasi, wemubereko unobhadharwa pachikwereti. Chiyero chechikamu chepasi chinozoenderana nebhangi rinopa mari yemba uye zuva rayakabvumirwa, asi zvinowanzoitika kuti mari shoma ive pakati pe3,00 ne4,00%.
Izvi zvinoreva kuti kana iwe uine yakasarudzika reti remba neEURIBOR uye pasi yakaiswa pa4%, apo EURIBOR inowira pasi pe4%, unopedzisira wabhadhara 4% mubereko pane yako yemba. Sezvo EURIBOR iri pari zvino isina kunaka, pa -0,15%, uri kubhadharisa chimbadzo pamari yako yemumba pamusiyano uripo pakati pechiyero chepasi neEURORI yazvino. Nekufamba kwenguva, izvi zvinogona kumiririra zviuru zvemamwe maeuro mukubhadhara mubereko.
13 | full feature | Netflix
Kana iwe uchida kutora yako "floor clause", FreeClaim inogona kukubatsira. Magweta edu anogona kubatsira kubvisa maruva clauses anosanganisirwa mumortgage kana zvikwereti zvibvumirano. Zvikamu zvataurwa zvichaonekwa zvisina maturo uye bhanga rinofanirwa kudzosa mari isingakodzeri yakaunganidzwa mukushandiswa kwe clause yakataurwa.
Izvo zvinonzi "floor clauses" zvinodzivirira mubereko kuti urege kudonha pasi pehushoma hwereferensi, kunyangwe iyo Euribor (kana imwe indekisi yebhangi) iri pazasi payo. Parizvino, iyo Euribor yakadzikira, saka kana chikwereti chako chiine rudzi urwu rweabusive clauses, haugone kubatsirwa nekudonha kweiyo index.
Kuti uone kana kontrakiti yako yekukweretesa ichisanganisira chikamu chepasi, unofanirwa kuongorora chiitiko cheruzhinji chechikwereti chako. Kana ichiti chero zvakadaro mubereko unogona kunge uri pasi pechikamu chakatarwa, ichirevo chepasi.
Pamusoro pezvo, unokwanisa kutanga chikumbiro pachikamu chepasi kana mubereko unoonekwa pasitatimendi rako rekupedzisira rebhangi usina kuenzana neEuribor (kana chiyero chebhangi rako chairo) pamwe nechiyero chekusiyanisa chawakabvumirana nebhangi.
Iwo akanakisa mitsara kubva panhamba 5 muThe Umbrella Academy | Netflix
KuCarlos Haering Abogados tinogona kutarisa kana imba yako yemba ichisanganisira chikamu chepasi. Isu tichadzidza nyaya yako, toona kugona kwayo uye tokubatsira kuti udzore mari yese yawakabhadhara.
Zvikamu zvepasi zvezvikwereti zvave dambudziko kune vatengi vazhinji, avo vakaona kuti havagone kubatsirwa nekudonha kweEURIBOR kwakaitika mumakore achangopfuura, iyo yakasvika pakuderera kwayo kwenhoroondo nekuda kwedambudziko rehupfumi.
Panguva yekusaina chikwereti, iwe unofanirwa kuziva uye kugamuchira ruzivo rwese nezvese clauses uye "diki kudhinda". Chikamu chepasi chinogadza mwero wemubereko ushoma pane zvese zvakaiswa zvechikwereti chako chemba, zvisinei nemhindu yemusika iripo. Nekuda kweizvozvo, kana huwandu hweEURORIBOR pamwe nechiyero chayo chemubereko chazvino chikakonzera mwero wakaderera pane wakadzikwa muFloor Clause, hauzokwanisi kubhadhara iyo yakaderera uye uchabhadhariswa, pachinzvimbo, mwero weFloor Clause. .
Vatengi vazhinji vakasaina mari yembavha vasina kuudzwa nezvekuvepo kweFloor Clause nemhedzisiro yacho, uye tsika yakadai inogona kunzi inoshungurudza kana kusanyanya kujeka nebhangi ravo. Saka nekudaro, inogona kutariswa nezvikumbiro zvepamutemo, paine mukana wakakura wekubudirira.
