Chii chekutsvaga mune horizontal property status certificate?
Vanhu vakawanda vanoona kuti vane chirevo chepasi mudzimba dzavo uye vanosarudza kuitora kubva kubhangi ravo. Sarudzo iyi yakatanga kushanda zvakanyanya kubva muna Zvita wapfuura Dare reJustice reEuropean Union (CJEU) rakapa mutongo waiti mari dzakaunganidzwa mumakondirakiti embandi kubva muna 2009, pakatanga kuiswa zvikamu izvi, zvaifanira kudzorerwa.
Sezvo huwandu hukuru hwehomwe dzeSpain dzichienderana neEuribor - chiyero chinoshanduka-, mabhanga akafunga kubatanidza iyo yepasi clause yaizovabvumira kuti vasadonhedze mubereko pazasi pehushoma, kunyangwe iyo Euribor iyo mbavha yairehwa yakaita.
Kubvunza pasi clause calculator idanho rakakosha kudzivirira matambudziko kana uchitora pasi clause kubva kubhangi. Inobvumira kuziva pachine nguva mari inogona kutorwa kubva kusangano.
Iko kune mukana wekuiverenga kuburikidza nekarukureta yepasi clause yeSangano reVatengi uye Vashandisi (OCU), umo iyo mari inogona kutsanangurwa nekuisa imwe data: yekutanga capital, zuva rekusaina chibvumirano chemortgage, musiyano unoshanda. kana mubereko wekutanga, pakati pevamwe.
Kutsiva mutengo vs. Kukosha chaiko
Kana iwe uchida kutora yako "floor clause", FreeClaim inogona kukubatsira. Magweta edu anogona kubatsira kubvisa zvikamu zvepasi zvinosanganisirwa muzvibvumirano zvembande kana zvikwereti. 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.
Iwe unofanirwa kuregera chiitiko chekuongorora?
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 bhanga kuti rikuchengetere mari mukubhadhara kwemwedzi wega wega, sezvo mubereko waunobhadhara ungangove wakakwira kupfuura iwo epamutemo akaiswa. European Central Bank Kana ukataura nefemu yezvemitemo kuti utore mari yako yembangi, unova nemukana wekuongorora magwaro ako kuti uve nechokwadi chekuti pane chiyero chidiki chechikwereti. Kana zvakadaro, unogona kukumbira Bank kuti idzorere mari yairi kutora kubva kwauri nekuda kweiyo abusive clause.
Sei rendi ichikwira | Kutenga imba muHuntsville
"Erardo anga achishamisa - achitibatsira nezvido zveSpanish, kutenga zvivakwa uye mutero wemuno. Tinomurumbidza zvikuru sezvo ane hanya zvechokwadi uye akazvipira kupa sevhisi yemhando yepamusoro uye yakavimbika. Akatitungamirira nhanho nenhanho uye ave akasiyana nevamwe.
“Ndakawana Álvaro ari nyanzvi zvakanyanya uye achigona basa. Aigara achitaura neni kunyange panguva yaaive ega. Akaita kuti ndinzwe ndakasununguka zvikuru uye ndiine chivimbo chokuti dambudziko rangu raizopedzwa. Ndinomutenda zvikuru, ndiye anogona kungotsanangurwa semuenzaniso wakanaka wegweta ”Hanif Robbani (Kurume 17, 2022)
Francisco igweta rine ruzivo anga achimiririra vatauri veChirungu muSpain kwemakore anoda kusvika makumi matatu. Anonyanya kukoshesa mutemo wehurumende (mhuri, nhaka, zvibvumirano, zvichemo, zvichemo zveinishuwarenzi uye zvichemo zvezvivakwa), mutemo wekutengesa (kuumbwa kwekambani) uye mutemo wevashandi.
Angela ane makore anopfuura 20 echiitiko segweta rinoshanda muSpain. Akabatsira vatengi vanotaura Chirungu mukati mebasa rake rekutengesa zvivakwa, mutemo webhizinesi, kutama, pamwe nenzvimbo dzinowanzo kukanganisa hupenyu hwevatorwa, semutemo wemhuri uye nyaya dzenhaka. .
