Nzira yekutarisa magwaro emutemo usati watenga nzvimbo?
Ndine chokwadi chekuti mese makanzwa nezve "floor clauses" ine mbiri yakashata iri muSpanish mortgage makondirakiti. Nekudaro, sekuwanda kwandine chokwadi chekuti wakanzwa, ndine chokwadi chekuti hauna kunyatso kujeka pane zvavari kana izvo zvinosanganisira. Kuvhiringidzika uku, uko kwagara kuripo munharaunda yeSpanish uye kunyanya kune dzimwe nyika, kunokonzerwa nehuwandu hukuru hwekupokana, uye dzimwe nguva zvakananga nhema, ruzivo rwakaparadzirwa nevezvenhau. Kunyangwe ini ndichifanira kubvuma kuti kosi yezvigzagging iyo Spanish jurisprudence yakatora haibatsire izvi.
A "floor clause" chirevo muchibvumirano chemortgage chinogadza hushoma hwekubhadhara imba, zvisinei nekuti mhindu yakajairika inobvumiranwa nesangano rezvemari iri pasi peiyo shoma.
Zvizhinji zvezvikwereti zvinopihwa kuSpain zvinoshandisa mubereko unotarwa zvichienderana nereferensi reti, kazhinji iyo Euribor, kunyangwe paine zvimwe, pamwe nekusiyana kunosiyana zvichienderana nesangano rezvemari riri kutaurwa.
Izvo zvaunofanira kuziva nezve gap yevaluation
Mumamortgage mazhinji ekuSpain, mubereko unobhadharwa unoverengerwa nereferensi EURIBOR kana IRPH. Kana mubereko uyu ukawedzera, ipapo mubereko wemubereko unowedzerawo, zvakafanana, kana wakadzikira, ipapo mubereko wekubhadhara unoderera. Izvi zvinozivikanwawo se "variable rate mortgage", sezvo mubereko unobhadharwa pachikwereti uchisiyana 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.
Iwe unofanirwa kuregera chiitiko chekuongorora?
Chirevo chepasi, chinowanzounzwa muchibvumirano chemari zvine chekuita nechiyero chepamusoro kana chiyero chemubereko, chinoreva mamiriro chaiwo anowanzo kuverengerwa muzvibvumirano zvemari, kunyanya muzvikwereti.
Sezvo chikwereti chinogona kubvumirana pahwaro hwechiyero chakatarwa kana chakasiyana, zvikwereti zvakabvumiranwa nemitengo yakasiyana-siyana inowanzobatanidzwa kune yepamutemo mubereko (muUnited Kingdom LIBOR, kuSpain EURIBOR) pamwe nekuwedzera mari (inozivikanwa sekupararira). kana margin).
Sezvo mapato achada kuva nechokwadi pamusoro pemari yakabhadharwa uye yakagamuchirwa kana pakaitika kufamba kwakasimba uye kamwe kamwe pabhenji, vanogona, uye kazhinji, vanobvumirana pahurongwa hwekuti vane chokwadi chekuti mubhadharo hauzove wakaderera. . (nebhangi, kuitira kuti rive nerubatsiro rwakati uye rwenguva dzose) kana kuti rwakanyanya (nemukwereti, kuitira kuti mubhadharo urambe uri pamwero unokwanisika munguva yose yechikwereti).
Nekudaro, muSpain, kweanoda kusvika makore gumi, chirongwa chepakutanga chakashatiswa zvekuti zvave zvakakodzera kuti Dare Repamusorosoro reSpain ripe mutongo wekudzivirira vatengi / vateresi kubva mukushungurudzwa kunogara kuchiitwa nemabhanga. .
Bhangi reSpain rinodzokera ku "Floor Clause" iyo "Floor Clause"
Nekuda kwezvipikirwa zveRoyal Decree-Law 1/2017 pamatanho ekudzivirira evatengi maererano nezvikamu zvepasi, Banco Santander yakagadzira Floor Clauses Claims Unit kuti igadzirise zvikumbiro zvingaitwe nevatengi munzvimbo yekushandiswa 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.
