Mortgage muSpain kutenga imba - Kurumidza gwara!
Vanhu vakawanda vanoona kuti vane chirevo chepasi mudzimba dzavo uye vanosarudza kuitora kubva kubhangi ravo. Sarudzo iyi yakatanga kukosha kubva muna Zvita wapfuura Dare reJustice reEuropean Union (CJEU) rakapa mutongo waiti mari dzakaunganidzwa mumakondirakiti embandi kubva muna 2009, pakatanga kuiswa zvikamu izvi, zvinofanira 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.
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Mitongo ichangoburwa yeDare Repamusorosoro reEuropean neSpain yakaita kuti zvikwanisike kumanikidza mabhanga kuti abvise "floor clause" yezvikwereti zvembavha, uye kushandisa mubereko wekutanga wakabvumiranwa mugwaro rechikwereti.
Izvi zvinoreva kwete chete kubviswa kweiyo "yero yemhindu yepasi" (iyo inoganhurira kuti mubereko ungadzika kusvika papi) uye kushandiswa kweyero yakabvumiranwa yekutanga (pamwe nekudzikiswa kunoenderana muzvikamu zvemwedzi), asiwo mukana wekudzoreredza zvese. mari inobhadharwa yakawandisa nekushandiswa kwechikamu chepasi. Mune zvimwe zviitiko, imari yakawanda.
Nokudaro, mamwe mabhanga anobvuma kubviswa kwechikamu chepasi uye kudzoka kwakazara kwese kufarira kwakaunganidzwa kwakanyanyisa mukati memwedzi mitatu kubva panguva iyo mutengi anotumira chikumbiro chinoenderana.
Iwe unofanirwa kuregera chiitiko chekuongorora?
The floor clause imamiriro anosanganisira kana kuti anosanganisira chikamu chikuru cheSpanish banking system mune inosiyana-reti yemortgage makondirakiti. Izvi pazvaibatanidzwa neEuropean reference index, iyo Euribor, kana kune mamwe mareferensi indices asina basa. Kubatanidzwa kwayo kwaisungira mutengi kubhadhara mari shoma kana mhindu, zvisinei nekushanduka kwemusika. Mune mamwe mazwi, aisakwanisa kubatsirwa nekushanda kwakanakisa kwezvinhu izvi zvemari. Sezviri kuitika mumakore achangopfuura, uko chaizvo Euribor iri munharaunda isina kunaka, ichipa mutsauko we - 0,161%.
Zvichienderana nemamiriro ezvinhu akadai, mutongo weDare Repamusorosoro waMay 9, 2013 wakazivisa kuti mutemo wepasi hauna maturo uye wakamanikidza vemabhanga kudzosa mari yakawandisa kubva pazuva remutongo uyu. Kune rimwe divi, nemutongo weEuropean kwakauya kudzokororwa kwese kwakamanikidza masangano echikwereti kudzosera mari yakabhadharwa yakawandisa kubva pakutanga mukubvumirana kwechikwereti.
Imwe yemamishoni ako semushandisi webhangi ndeyekuona kana mari yembavha yauchangobva kuita kondirakiti ichisanganisira chikamu chepasi. Kunyanya kana iwe uchigona kupesvedzera kana kugadzirisa chiitiko ichi nekuti chichaita kuti iwe ubhadhare maeuro akawanda kupfuura zvawaifunga pakutanga. Zvakare, hinda mabasa ehunyanzvi efemu yemutemo. Muchidimbu, kune akawanda masaini anogona kukupa iwe kuti uzive kana iwe uri kunyatso kutarisana nechikwereti chemba cheaya maitiro.
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Floor clause chirevo chakadzikwa mukusiyana-siyana-yemwero yezvikwereti zvembavha inodzikamisa kusiyanisa kweiyo mari yakabvumiranwa. Semuyenzaniso, kana uine chikwereti chakasiyana chemubereko chakavakirwa paEURORIBOR pamwe ne1% uye bhangi rikaisa chisungo chinoisa hudiki hwemubereko huchabhadharwa newe pa3%. Nhasi, EURIBOR iri pazasi 0%, saka iwe unofanirwa kubhadhara 1% pachikwereti chako chemba, asi nekuda kwemuganho wakagadzwa muchikamu chepasi, muyero wepasi wauchabhadhara uchave 3%, izvo zvisingaite sezvisina kunaka zvachose, Ndizvo here?
Zvikwereti zvakawanda zvemortgage muSpain zvakasiyana siyana zvemortgage zvikwereti. Uye zvizhinji zvezvikwereti izvi zvakavakirwa pachiyero cheEURIBOR. Uye zvizhinji zvezvikwereti izvi zvakaitwa mu real estate boom iyo yakazoputika muna 2008.
Kana iyo Floor Clause ichishungurudza, izvi hazvigone kukanganisa mutengi chero nzira. Izvi zvinoreva kuti chikwereti chichashanda sekunge chikamu chepasi chakanga chisina kushandiswa kubva pakutanga. Zvinoreva kuti chirevo chepasi hachina kumbovapo nekuti hachina basa kubva pazuva rekutanga.
