Fannie Mae Kuferefeta: Accounting Irregularities mu
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 iyo yaizobvumira mhindu kuti isadonha pasi pehushoma, kunyangwe iyo Euribor iyo iyo mortgages yaitaurwa 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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Mabhangi eSpanish ari zvakare mumharadzano yeimwe nyonganiso. Dare Repamusorosoro rakavapa kusvika Chikunguru 31, 2013 kuti vaongorore zvirevo zvepasi pezvibvumirano zvavo zvechikwereti chemba kuti vaone kana vachizadzisa zvinodiwa pachena. Kana chigumisiro chisina kunaka, chirevo chinofanira kubviswa zvachose.
Sezvaunoziva, chikwereti chemondi chinoumbwa nemari uye mubereko unodzoserwa kubhangi muzvikamu zvemwedzi. Zvichienderana nerudzi rwechikwereti chakapihwa, mubereko ungasiyana, uchiwedzera kana kudzikira zvichienderana nenyaya, asi "floor clause" inosarudza chidimbu chemubereko chinozoshanda muhupenyu hwese hwemba. Chikamu chepasi chakaunzwa nemabhangi kutsiva kurasikirwa kwehupfumi kwavanogona kutambura nekuda kwekusiyana kwemitengo yemubereko uye vazhinji vakashandisa chirevo chepasi chepamusoro pe3,55% (kana kupfuura) kuitira kuti kana Euribor yasvika munhoroondo yakaderera, vazhinji havana kubatsirwa. kubva pairi nekuti mwero wepasi wakatemerwa mukondirakiti yavo waive wakakwira.
Sezvo kuine mwero wakadzikwa, kunewo wepamusoro, uyo muzviitiko zvakawanda unoiswa pa12%, iyo Dare Repamusorosoro rakaonawo sehudzvanyiriri nekuti kunyangwe mubereko waive wakanyanya, hauna kudarika 5,5%. kure kwazvo ne12% sirin'i yakashandiswa nemabhanga mazhinji.
Bumbiro reM itemo nemutsara: Chinyorwa I, Chikamu 2
Chirevo chepasi (kana kuti "floor clause" muchiSpanish), chinowanzounzwa muchibvumirano chezvemari zvine chekuita nemuganho wepamusoro kana mwero wemubereko wepasi, unoreva mamiriro chaiwo anowanzosanganisirwa 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. .
Apostrophe S – Possessive Nouns in English
Nhasi mutongo wakamirirwa kwenguva refu weDare reJustice reEuropean Communities (ECJ) pasi pezvikamu zvemitengo yemubereko muSpain ("mutongo") wakabudiswa. Dare reCJEU rinotsigira kuti zvirevo zvepasi hazvina maturo nokuti zvinodzivirira vatengi kuti vabatsirwe zvizere kubva pakudonha kwemari yezvibereko, asi izvi zvakanga zvatoziviswa neDare Repamusorosoro reSpain muna 2013. weDare Repamusorosoro reSpain iro rakanga rakaganhurira zvikwereti zvemabhanga zvichidzokera kubva 2013. The CJEU inogadza kuti mabhanga eSpain anofanirwa kudzorera kuvatengi kupfuura zvavakarasikirwa nazvo kubva muna Chivabvu 2013. Kumabhanga eSpain, izvi zvinomiririra mukana wechikwereti chave yakaverengerwa nevanoongorora pakati pe3.000 ne7.000 mamirioni euros.
Sezvo kodzero ichimuka kubva mukusashanda kwechirevo chinoonekwa sechisimba, zvichemo hazvitauri uye zvinogona kushandiswa chero nguva. Kuvepo kwechikamu chepasi chakashandiswa pamberi pa2013 chinogona kushandiswawo senharo kumisa kuitwa kwezvimwe zvikwereti. Muchiitiko chekupedzisira, mutengi akabatwa haazodi kutaura pachena kuvepo kwechirevo, dare rinopihwa simba rekumisa nzira yacho pachayo.
