Subordinated chikwereti
Asati apa chikwereti, mukweretesi wekuSpain anozoda kuti chivakwa icho chikosheswe neimwe yemakambani avakatemerwa ekuongorora. Izvi zvinogona kudhura chero kubva kumazana mashoma emaeuro kusvika kune chiuru cheeuro, zvichienderana nekukosha kwepfuma. Iye munhu ari kunyorera yeSpanish mortgage anofanirwa kubhadhara uyu mutengo.
Pamberi pemukweretesi wekuSpain akapa chikwereti pachivakwa, vanosimbirira pakuona chinyorwa chakareruka (property registry) chinosimbisa kuti chivakwa chacho hachina chimwe chikwereti chisingatarisirwi. Nekudaro, iwe (kana kuti gweta rako) uchafanirwa kunyorera nota nyore kubva kune yepasi registry kuti zvikunakire iwe, saka izvi zvinogona kutorwa semutengo usiri wemusiyano waungatarisana nawo kana usina Spanish remba.
Kana chivako cheSpanish chiine chibatiso chakachengetedzwa pachiri, izvi zvinofanirwa kuziviswa pamberi pegweta. Notary fees inobva panhamba yezvikamu mugwaro uye gwaro rechikwereti richava nenhamba yakaenzana yezvikamu sechibvumirano chekutenga. Mumiriri achabhadharisa uye, nekudaro, chikwereti cheSpanish chinowedzera mari yevanyori panguva yekusaina gwaro rekutengesa reruzhinji.
private mortgage insurance
Vazhinji vane zvikwereti muMallorca, Menorca neIbiza vanotsvaga kuvandudzwa kwemamiriro ekondirakiti yavo yembande. Kazhinji, zvinoonekwa kuti chinangwa chikuru chekuongorora uku imari yakaderera pamwedzi.
Chokutanga pane zvose, izwi rechiSpanishi rokuti novación rinosanganisira kushandura mamiriro ekutora chikwereti pasina kuchinja bhangi / sangano rezvemari (rinongonzi sangano kubva pano) - kuita nhaurirano itsva nesangano rimwechete. Nekumisikidzwa kana kubviswa kwemumba, chinangwa chekuvandudza chikwereti chinowanikwawo, asi mabasa anosanganisira zvinhu zvakasiyana uye anochinja kupfuura mamiriro emumba.
Subrogation inosanganisira kushandura mapato anobatanidzwa muchikwereti. Kana tichitaura nezve subrogation yekuvandudza iyo mortgage pachayo, isu tiri kutaura nezve mukweretesi subrogation, iyo inosanganisira kushandura kiredhiti kubva kune imwe mubatanidzwa kuenda kune imwe (kuchinja muridzi wemortgage kune imwe inozivikanwa semukwereti subrogation).
mortgage insurance
Kazhinji tinoronga hurongwa hwose kuburikidza nesimba regweta. Nekudaro, kana iwe (kana wako wemortgage broker) uchida kuenzanisa mari yembavha kubva kumabhangi eSpanish iwe pachako, izvi zvinogoneka zvakare. Muchiitiko ichi, tinopindira kubva panguva iyo dhipatimendi rebhanga renjodzi raburitsa iyo inosunga (FEIN gwaro) kuronga kusaina kweiyo chaiyo Mortgage Deed nebhanga. Izvi zvinoitwa panguva yekupedzisa kutenga kwako, nguva pfupi yadarika isati yasaina Gwaro reKutenga kune notary.
Sezvo femu yedu inobata zvikumbiro zvembangi gore rega rega, isu tinonyatsoziva sarudzo dzazvino uye mamiriro emari emabhangi mazhinji, saka tinogona kuongorora pachine nguva kuti bhangi ripi rakanakira mamiriro ako wega. Pamusoro pezvo, gweta rako/gweta rinogona kuyedza kutaurirana zvakajairwa zvichienderana nemamiriro ako emari, zvishuwo, uye zvaunoda. Muchiitiko chekuti bhangi rine mamiriro akanakisa rakasarudza kusakupa iwe imba yemba yaunoda, saka isu tinogona kunyorera kune rimwe bhangi kuti rikubvumire kutenga nzvimbo yeSpanish.
Meaning of the mortgage
Kana yasvika nguva yekuvandudza imba yako, uri mumwe weavo vanogamuchira yekutanga kupihwa kana avo vanotsvaga chakanakisa chigadzirwa? Zvinotoshamisa ndezvokuti hafu chete yeQuebecers inoedza kuwana chigadzirwa chechikwereti chiri nani. Nekudaro, kana ukatarisa-tarisa, unogona nyore kuwana dhiri yakanaka pane yakatarwa yemakore mashanu. Zvinogona kunge zvisingaite sezvakawanda, asi kunyangwe iwo musiyano mudiki unogona kukuchengetedza zviuru zvemadhora pachikwereti chako. Heano mamwe matipi ekukubatsira iwe kutaurirana nechikwereti chako uye kuita zvakanyanya mamiriro acho.
Zvibvumirano zvakawanda zvemortgage zvinobvumira vanokwereta kuti vabhadhare zvikwereti zvavo nekukurumidza, asi mazwi anosiyana. Semuenzaniso, mamwe mabhanga anongobvumidza iwe kuti uwedzere kubhadhara pamwedzi ne10%. Vamwe vanokweretesa vanokubvumidza kuti uwedzere kubhadhara ne15%, 20%, kana kunyange 25%. Uye nevakweretesi vashoma, vanokwereta vanogona kunyange kaviri mubhadharo wavo.
Zvikwereti zvizhinji zvinopawo mukana wekuita mari yekubhadhara, kazhinji iri pakati pe10% ne25% yemari yekutanga, gore rega rega. Vamwe vanokweretesa vanongobvumidza kubhadhara kwekare kamwe pagore kana pazuva rako rekurangarira, nepo vamwe vasina zvirambidzo.
