Precondition, Postcondition uye Chokwadi Mamiriro mune Chaiyo
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 kuita kuti magweta ane hunyanzvi akubatsire kuitira kuti vataurirane nebhanga vachikumiririra, uye vanogona kutomhan’arira kubhangi kuti vakuchengetere mari pachikamu chega chega chemwedzi, sezvo mubereko waunobhadhara ungangove wakakwira kupfuura mari yechimbadzo. neCentral Bank European Kana ukataura nefemu yezvemitemo kuti utore mari yako yembangi, unova nemukana wekuongorora magwaro ako kuti uone kana paine mwero wemari yemba. Kana zvakadaro, unogona kukumbira Bank kuti idzorere mari yairi kutora kubva kwauri nekuda kweiyo abusive clause.
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Iyo floor clause inowanikwa mune yako renji deed. MuchiSpanish, gwaro iri rinonzi "Deed of Mortgage Loan". Gwaro racho rakasainwa pamberi peruzhinji rwenyanzvi panguva imwe cheteyo yakatengwa imba.
Kana gwaro remba remba rikasainwa pamberi pemunyori, bhangi rinoenda naro kune registry yezvivakwa kuti rinyorese. Kana gwaro rechikwereti ranyoreswa, bhangi rinorigamuchira uye rinofanira kutorwa nemutengi kana gweta rake.
Iwe unogona kuwana runyoro rwemari yakabhadharwa kubva pawakasaina chikwereti chebhangi pawebhusaiti yebhangi kana kubazi raunenge uine chikwereti. Kana mubereko wadzikira uye chikwereti chako chemba chisati, unogona kunge une clause yemortgage floor.
Iwe unofanirwa kuendesa fomu kubhangi rako nekopi yegwaro remba uye risiti ichangoburwa inosimbisa kubhadhara kwemwedzi nemwedzi. Mukuwedzera, iwe unogona kuendesa fungidziro ye overpayments. Bhengi haifanirwe kukupindura, asi inowanzopindura kune vatengi vayo nekubvumidza kana kuramba chikumbiro. Kana bhangi rikasadzima chikamu chepasi chemumba uye kudzorera mari yawabhadhara yakawandisa, unofanirwa kutanga kukumbira zviri pamutemo.
Kushandurwa kwe duplex PASI / PASHURE pekukwira uye kubata
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 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.
CHII CHINONZI NGUVA YEKUkiya?
Kana iwe uchida kutora yako "floor clause", FreeClaim inogona kukubatsira. Magweta edu anogona kubatsira kubvisa maruva clauses anosanganisirwa mumortgage kana zvikwereti zvibvumirano. 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.
