A duplex shanduko PASI / PASHURE kwekushanda uye chibvumirano
Dare Repamusorosoro reJustice reEuropean Union (CJEU) rakapa mutongo mabhanga eSpain muna Zvita wapfuura kuti adzosere mari yese yakavharwa nezvikamu zvepasi, achibvisa kusadzokororwa kwakaiswa neDare Repamusorosoro (TS) muna Chivabvu 2013 uye kuti zvakaganhurira kudzoka. chemari yakachajwa kubva pazuva iroro. Mutongo uyu unoona kuti kudzikisira retroactivity kunopesana nemutemo wenharaunda, izvo zvaireva kuziva kudzoka kwakazara kubva pakusaina chikwereti.
Mumazuva achangopfuura, Hurumende yeSpain yakafunga kumisikidza kwerimwe vhiki mutemo wehumambo unotaura hurongwa hwehutongi hwekudzosera mari isingabhadharwi kune zvisiri pachena zvepasi. Izvi zvinoreva kumbomisa kuburitswa kwemutemo mutsva wemortgage. Muna Zvita, Hurumende yakatosarudza kumisa kubvumidzwa kwekodhi yemaitiro akanaka kuti ifambise kudzoserwa kweiyo inokwidziridzwa nepasi clauses.
-Chinhu chekutanga chatinofanira kuita kutsvaga uye nekunyatsoverenga dhidhi rechikwereti chedu. Inowanzo zivikanwa mumisoro ine mazita akadai sekuti "variable interest application limits", "variability limit" kana "variable interest rate". Izvo zvakakoshawo kuti titarise kushanduka kwenhoroondo yemortgage interest rate. Kana kubva 2009 usati waona kudonha kunoshamisa mukubhadhara kwako kwembandi kana kuti yakaramba yakagadziriswa, zvinogoneka kuti une clause yepasi.
Mortgage muSpain kutenga chivakwa - Kurumidza gwara!
(22-11-2018, 09:08 AM)Spitfire58 Akanyora: (22-11-2018, 06:59 AM)Sam Akanyora: (19-11-2018, 03:44 PM)Raye Akanyora: wanga uchiedza kuwana refund from Banco Popular uye varamba nechikonzero chekuti haisi imba yangu yekutanga.
Ini ndinofunga unogona kubvunza chero gweta / chikumbiro chekusahwina pasina mubhadharo chibvumirano. Chinhu chakaipisisa chavanogona kutaura ndechekuti "Kwete." Kana ukasangana nemahofisi mashoma ndine chokwadi chekuti kana mumwe chete achakupindura nemhinduro yakanaka. Usakanganwa kupa ruzivo rwakawanda sezvinobvira kuti vaone kana nyaya yako ichizovaitira mari kana kwete.
Vanofanira kuita muripo otomatiki, izvo zvingave zvakanaka. Sezvineiwo, mabhanga haazive maitirwo azvo. The only automatic process yavakakwanisa kudzidza kusvika nhasi ndeyekutora mari yako.
Wood mutengo kuenzanisa | $10,21 muna 2019 yave muna 2021
A Floor Clause, inozivikanwawo se 'Floor Clause' kana kuti 'Mortgage Floor', ingori chirevo chakaiswa mumakondirakiti emari yembanje muSpain mumakore makumi maviri apfuura uye inokanganisa mubereko unobhadharwa pachikwereti. .
Mumamortgage mazhinji eSpanish akasiyana, mubereko unobhadharwa unoverengerwa pachishandiswa referensi rate yeEuro Interbank Offered Rate (Euribor). Kana iyo yereferensi mubereko ichiwedzera, ipapo mubereko wembatya unowedzerawo, nenzira imwechete, kana EURIBOR ikadzikira, ipapo kubhadhara kwemubereko kunoderera.
Nekudaro, kuiswa kweiyo clause yepasi mukondirakiti yembande inoreva kuti varidzi vemondgage havabatsirike zvizere kubva mukudonha kweEURIBOR, sezvo pachange paine mubereko wepasi uchabhadharwa pachikwereti (inozivikanwawo se "floor" Chiyero chepasi chinoenderana nebhangi rinopa mari yemba uye nguva yayakatemerwa chibvumirano, asi zvakajairika kuona pasi pe3 kusvika 4%.
Dare repamusoro soro rakapa mutongo wekuti zvisungo zvepasi zvakange zvisina maturo uye zvisina basa sehudzvanyiriri, pakati pezvimwe zvikonzero nekuda kwekusabuda pachena. Zvinonzwisiswa kuti pave nekujeka kana ruzivo rwakanga rwakajeka uye mutengi aine simba rekunzwisisa zvirimo nemhedzisiro[3].
Mazita akajairika uye akakodzera | zvikamu zvekutaura
Mumamortgage mazhinji ekuSpain, mubereko unobhadharwa unoverengerwa nereferensi EURIBOR kana IRPH. Kana mubereko uyu ukawedzera, mubereko wemortgage unowedzerawo, zvakafanana, kana ukadzikira, mubereko wekubhadhara unodzikira. Izvi zvinozivikanwawo se "inoshanduka chiyero chemondi", 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.
