Pane munhu akadzoserwa mari yemortgage yebankia?

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Iko hakuna zvirambidzo kune vekunze kana zvasvika pakutenga zvivakwa muSpain, asi semamwe maitiro ekutenga, maitiro ekutora imba yemba pano ane zvawo. Hazvinetsi kuwana rendi, asi pane zvinhu zvinoda kutariswa zvakanyanya.

Ita shuwa kuti unosangana nezvinodiwa Pakupa chikwereti, bhangi rinofunga nezve zvimwe zvakakosha zvinodiwa nezvemunyoreri. Usati wanyorera imba yemba, unofanirwa kuve nechokwadi chekuti wasangana neprofile uye kuti bhangi harirambe chikumbiro chako. Zvinodiwa zvichakurukurwa gare gare.

Gadzirira zvinyorwa zvinodiwa Bhangi rinoongorora ruzivo rwese rwaunopa, saka zviri nyore kugadzirira zvinyorwa zvese zvinodiwa. Mukuwedzera, zvakakosha kururamisa nguva dzausina kushanda kana kuchinja makambani. Iwe unofanirwa kugamuchira iyo NIE (verenga pano maitiro ekuwana nhamba yemutero) uye mamwe magwaro aimbodiwa. Iwe unogona kuona runyorwa ruzere rwemagwaro pazasi.

Pane munhu akadzoserwa mari yemortgage yebankia? 2022

"Pakushanya kwedu kuSpain gore rapfuura takakurukura nebhangi redu kuunganidzwa kwezvinyorwa zvemidziyo yedu, sezvo takabhadhara imba. Takaudzwa kuti taifanira kuita mahwekwe nemumwe wemubhanga kuti atiperekedze kunotary kunopedzisa hurongwa uhwu zvino bhanga ratipa zano rekuti tinodawo gweta rinogadzira mapepa? Hatina chokwadi nezvepepa rinodiwa kuti tiwane magwaro edu. Tinoda kuziva kuti chii chinodiwa kubatanidza izvi neBhangi. Parizvino tinogara kuUK asi tinoshanyira nzvimbo yacho kaviri pagore uye tinotarisira kuti zvese zvichagadziriswa pakushanya kwedu kunotevera. "

Takapindura sei? Zvakanaka, takaudza mutengi kuti ruzivo rwaakapihwa nebhangi rwaive rwechokwadi. Kana mumwe munhu apedza kubhadhara chikwereti chake chemba, chikwereti chake kubhangi chinodzima. Nekudaro, kunyoreswa kwemortgage mukutsanangurwa kweLand Registry hakubviswe otomatiki. Pane nzira yekuzviita sezvakaudzwa kune vatengi.

Pane munhu akadzoserwa mari yemortgage yebankia? yenguva

Asi, zvinosuruvarisa kuti vaThompsons, kunyange zvazvo yakanga iri nhau dzakanaka pakutanga, mushure mechinguva yakarega kuvabatsira ... nokuti bhangi ravo - sevamwe vakawanda, kusanganisira Unicaja naLa Caixa - rakanga rakabatanidza chirevo chinonzi "floor clause" , iyo mabhanga anogara achikunda.

Mumamortgage akawanda akasiyana, mubereko unobhadharwa unotarwa nereferensi yeinterbank interest rate (EURIBOR). Kana mareti emubereko akakwira, mubereko pachikwereti chinokwirawo, zvakafanana, kana EURIBOR ichidzika, muripo wemubereko unodzikira.

Zvakadaro, kuiswa kwechikamu chepasi muchibvumirano chemendenenzi chaireva kuti varidzi vemba havana kubatsirwa zvizere nekudonha kweEURIBOR, sezvo paive nemari shoma yaifanira kubhadharwa pachikwereti (chinozivikanwawo se "floor"). ) Uye iyo nhanho yepasi ichaenderana nebhangi rinopa rendi uye payakabvumidzwa, asi yaive yakajairika kuona pasi pe3-4%.

Ndinoda kutaura kuti ndinofara sei nebasa randakagamuchira kubva kuFairway Lawyers. Ndakaona vachibatsira, nyanzvi uye zviri nyore kutaura navo. Ndakahaya masevhisi eFairway Lawyers kugadzira nekunyoresa kambani yangu itsva yeSL. Vakabata zvinhu zvese pachinzvimbo changu uye vakandichengeta ndichinyatsoziva mukuita, nefoni uye email.

Pane munhu akadzoserwa mari yemortgage yebankia? 2021

Paunotenga kana kutengesa zvivakwa muSpain, huwandu hwemari hwakakura, pamwe imwe yemasarudzo makuru emari muhupenyu hwako. Mari dzekutengeserana dzakakwirira, dzakadai semitero nemari, dzinoita kuti zvive zvakakosha kuita sarudzo yakarurama. Uye kana iwe uine chivakwa muSpain, iwe unotarisana nenhevedzano yemamwe matambudziko anofanirwa kutarisirwa uye mutengo unofanirwa kudzorwa. Nehurombo, iyo Spanish real estate musika haina kujeka uye izere nemakomba, pamwe nekuzivikanwa zvisina basa. Kutenga nekutengesa nzvimbo muSpain haisi sarudzo yekutorwa zvishoma, uye inogona kuve nyore kutenga pane kutengesa kana ukasangwarira. Mumusika uyu zvakakosha kuti uite tsvakiridzo yako wega, uye kusavimba chete nevanhu vari kuyedza kukutengesera chimwe chinhu - ngatingoti vangangove vasina zvaunofarira pamwoyo. Spanish Property Insight ndiyo yega yakazvimirira sosi yeruzivo uye ongororo yemusika weSpanish zvivakwa. Usatombo funga nezve kutenga kana kutengesa chivakwa muSpain usina kunyorera kuSpanish Property Insight.