Kutsiva mutengo vs. Kukosha chaiko
Kubva pachibvumirano ichi, Gallego & Rivas yakazvipira kudzidza, mahara, zvinyorwa zvevaridzi vanogona kukanganiswa ne "floor clause" muzvikwereti zvavo. Pakupera kwechinyorwa chino, tichatsanangura kuti avo vakabatwa vanogona sei kuwana iyi sevhisi.
Chekutanga pane zvese: Chii chinonzi "floor clause"? Mortgage inonzi ine "floor clause" kana, mune inosiyana mubereko wemondi, pane clause muMortgage Loan Deed iyo inosimbisa kuti mhindu pane iyi mortgage haigone kuva shoma pane imwe chikumbaridzo.
Mune mamwe mazwi, muchiitiko ichi, chikwereti chechikwereti hachikwanisi kubatsirwa kubva kune yakaderera mubereko uye kubva pamadonhwe anotevedzana anogona kuitika, sezvo mubereko wepasi "wakavharirwa mukati" uye hapana mubereko wakaiswa pazasi payo unogona kushandiswa. mu "floor clause". Kwemakore akati wandei, mwero wemubereko weEuribor wanga wakadzikira uye zvirevo izvi zvakamiririra kurasikirwa kukuru kune vatengi vazhinji.
Dare Repamusorosoro rinokwidza nyaya yekusagadzikana kwehupfumi iyo inogona kumiririra kumabhanga kudzoserwa kwemari yakabhadharwa zvisina kufanira kune vatengi Chivabvu 9, 2013 isati yasvika, tichifunga kuti kune zviuru zvezvikwereti zvakakanganiswa ne "floor clause" , mabhanga aizomanikidzwa kudzorera mabhiriyoni emaeuro kuvatengi vavo.
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Nekuda kwezvipikirwa zveRoyal Decree-Law 1/2017 pamatanho ekukurumidzira ekudzivirira kwevatengi maererano nezvikamu zvepasi, Banco Santander yakagadzira Floor Clauses Claims Unit kuti igadzirise zvikumbiro zvingaitwe nevatengi muchikamu chekushandiswa kweiyo Royal Decree. -Mutemo.
Kana yangotambirwa kuClaims Unit, ichaongororwa uye sarudzo ichaitwa maererano nekukodzera kwayo kana kusabvumwa.Kana zvisiri pamutemo, mumhan'ari achaziviswa zvikonzero zvekurambwa, kupedzisa maitiro.
Pazvinenge zvakakodzera, mumhan’ari achaziviswa, zvichiratidza huwandu hwekudzorerwa, hwakaputswa uye zvichiratidza mari inoenderana nemubereko. Mumiriri anofanira kutaurirana, mukati menguva yakareba yemazuva gumi nemashanu, chibvumirano chavo kana, pazvinenge zvakakodzera, kuramba kwavo kumari.
Kana vakabvuma, mumhan’ari anofanira kuenda kubazi ravo reBanco Santander kana rimwe bazi reBhangi, achizvizivisa, achiratidza chibvumirano chake nekunyora nechikumbiro chakaitwa neBhangi, achisaina pazasi.
Iyo isina musoro asi nzira yekutamba Iyo Witcher 3
Isu tinotenda zvakasimba kuti mazhinji e "threshold clauses" anoratidzwa muzvibvumirano zvemortgage haana kunaka uye vatengi vebhangi vanokuvadzwa uye kurangwa nekuda kwekushaiwa kwavo ruzivo rwemari. Zviri nyore kuti magweta ane hunyanzvi akubatsire kuitira kuti vataurirane nebhanga vakakumiririra, uye vanogona kutomhan'arira bhangi kuti rikuchengetere mari mukubhadhara kwemwedzi wega wega, sezvo mubereko waunobhadhara ungangove wakakwira kupfuura mubereko wepamutemo wakatarwa. the European Central Bank .Kana ukataura nekambani yezvemitemo kuti utore mari yako yekubhadhara chikwereti, iwe uchava nemukana wekuongorora zviito zvako kuti uone kana pane mari shoma yekubhadhara chikwereti. Kana zvakadaro, unogona kukumbira Bank kuti idzorere mari yairi kutora kubva kwauri nekuda kweiyo abusive clause.
Investment mukutengesa real estate maringe nekugara real estate in
Kana iwe ukasaina chikwereti chechikwereti chemari pakati pa2004 na2012 neBBVA, Banco Yakakurumbira, Caja Murcia, BMN, Bankia, Caixa Bank, Caja Mar, Kutxabank kana Banco Sabadell, mikana yako yekuve mumwe weavo vanobatwa neFloor Clause ndeye. zvakakwirira chaizvo.
Chikwata chedu chemagweta ane hunyanzvi chichagadzirisa chikumbiro kubhanga pachinzvimbo chako kuti uedze kubvisa Floor Clause yakapihwa muchikwereti chako chemba uye kudzoreredza mubereko wawakabhadhara zvisina kufanira kubva chikwereti chakapihwa.
Usatsvage mutsara wekuti "Floor Clause" nekuti mabhanga anowanzo taura nezvayo pasi pemamwe mazwi akadai se "minimum interest rate", "variable interest rate", "variation limits", "interest rate variability" kana kushandisa mitsara yakadai se" the mubereko wakabvumiranwa ungasave wakakwira kupfuura X% kana kuderera pane X%», "zvipingamupinyi pakudonha kweyero yemubereko", nezvimwe.
Kusvika rinhi pandingatora Floor Clause uye Mari dzeMortgage? Sezvo izvi zviri izvo zvinozivikanwa seabusive clauses uye, naizvozvo, null and void, hapana chirevo kana kupera kwekuita kwezviito zvinoenderana.
