Yintoni omawuyijonge kwisatifikethi semeko yepropathi ethe tyaba?
Abantu abaninzi ngakumbi bayaqonda ukuba banegatya lomgangatho kumakhaya abo kwaye bagqiba kwelokuba balibange kwibhanki yabo. Esi sigqibo sathatha ukufaneleka okukhethekileyo ukususela ngoDisemba ophelileyo iNkundla yezoBulungisa ye-European Union (CJEU) yakhupha isigwebo esithi iimali eziqokelelwe kwiikontrakthi ze-mortgage ukususela ngo-2009, xa la masolotya aqala ukufakwa, kwafuneka abuyiselwe.
Njengoko uninzi lwemali mboleko yaseSpain ihambelana ne-Euribor -izinga eliguquguqukayo-, iibhanki zagqiba ekubeni zifake igatya lomgangatho eliya kubavumela ukuba bangabikho inzala engaphantsi kobuncinci, nangona i-Euribor apho i-mortgages ebhekiswe kuyo yenza.
Ukubonisana nekhaltyhuleyitha yomgangatho wegatya linyathelo elibalulekileyo lokuphepha iingxaki xa ubanga igatya lomgangatho ebhankini. Ivumela ukwazi kwangaphambili isixa esinokuthi sibangwe kwiziko.
Kukho ithuba lokubala ngekhatyhuleyitha yomgangatho wegatya loMbutho wabaThengi kunye nabasebenzisi (OCU), apho isixa-mali sinokuthi sichazwe ngokufaka idatha ethile: inkunzi yokuqala, umhla wokusayinwa kwekhontrakthi ye-mortgage, umahluko osebenzayo. okanye inzala yokuqala, phakathi kwabanye.
Ixabiso lokutshintsha vs. Ixabiso lokwenyani
Ukuba ufuna ukufaka ibango lakho "igatya lomgangatho", iFreeClaim inokukunceda. Amagqwetha ethu anokunceda ukuphelisa amagatya omgangatho afakwe kwi-mortgage okanye izivumelwano mboleko. Amagatya achaziweyo aya kuthathwa njengelize kwaye ibhanki kuya kufuneka ibuyise izixa ezingafanelekanga ezibizwe ngokusetyenziswa kwegatya elikhankanyiweyo.
Okubizwa ngokuba "ngamagatya omgangatho" kunqanda izinga lenzala ukuba liwele ngaphantsi kobuncinci bereferensi, nokuba i-Euribor (okanye enye isalathisi sebhanki) ingaphantsi kwayo. Okwangoku, i-Euribor iphantsi kakhulu, ke ukuba i-mortgage yakho inolu hlobo lwamagatya axhaphazayo, awunakuzuza ngokuhla kwesalathiso.
Ukufumanisa ukuba ikhontrakthi yakho ye-mortgage ibandakanya igatya lomgangatho, kufuneka uhlolisise i-deed yoluntu ye-mortgage yakho. Ukuba ithi kuyo nayiphi na imeko izinga lenzala linokuba ngaphantsi kwepesenti esisigxina, ligatya lomgangatho.
Ukongeza, unokufaka ibango kumgangatho wegatya ukuba inzala evela kwisiteyitimenti sakho sebhanki yokugqibela ayilingani ne-Euribor (okanye ireyithi yebhanki yakho ethile) kunye nereyithi yokwahlukana ovumelene ngayo nebhanki.
Ngaba kufuneka uyeke ukuvela kovavanyo?
Sikholelwa ngokuqinileyo ukuba uninzi lwe "threshold clauses" ezibonakaliswe kwiikhontrakthi zokubambisa imali azinabulungisa kwaye abathengi bebhanki bonzakala kwaye bohlwaywa ngenxa yokungabi nalwazi lwemali. Kuyafaneleka ukuba amagqwetha aziingcali akuncede ukuze bakwazi ukuthetha-thethana nebhanki egameni lakho, kwaye banokude bamangalele ibhanki ukuba ikugcinele imali kwintlawulo yenyanga nganye, ekubeni inzala oyihlawulayo mhlawumbi ingaphezulu kuneyo esemthethweni ebekwe ngu. I-European Central Bank Ukuba uqhagamshelana nefem yomthetho ukubanga iindleko zakho zokubambisa, uya kuba nethuba lokuphonononga iitayitile zakho ukuqinisekisa ukuba kukho umlinganiselo omncinci wemali yokuboleka imali. Ukuba kunjalo, unokucela iBhanki ukuba ibuyisele imali eyithathayo kuwe ngenxa yelo solotya lokuxhaphaza.
Kutheni irenti inyuka | Ukuthenga indlu eHuntsville
“U-Erardo ubemhle kakhulu - esinceda ngemiyolelo yaseSpain, ukuthengwa kwepropathi kunye neerhafu zasekhaya. Singamncoma kakhulu njengoko enenkathalo kwaye ezinikele ekuboneleleni ngenkonzo esemgangathweni nethembekileyo. Uye wasikhokela inyathelo ngenyathelo yaye uye waba ngobalaseleyo.
“Ndifumene u-Álvaro enobuchule obugqithisileyo kwaye esebenza kakuhle. Wayesoloko enxibelelana nam kwanangexesha lakhe lobuqu. Wandenza ndaziva ndikhululekile yaye ndiqinisekile ukuba ingxaki yam iya kuconjululwa. Ndiyambulela kakhulu, nguye kuphela onokuchazwa njengomzekelo obalaseleyo wegqwetha» UHanif Robbani (NgoMatshi 17, 2022)
UFrancisco ligqwetha elinamava ebelimele izithethi zesiNgesi eSpain phantse iminyaka engama-30. Ugxininise kumthetho woluntu (usapho, ilifa, izivumelwano, amabango, amabango e-inshurensi kunye namabango epropathi), umthetho wezorhwebo (ukusekwa kwenkampani) kunye nomthetho wabasebenzi.
U-Angela uneminyaka engama-20 yamava njengegqwetha eliseSpeyin. Uye wanceda abathengi abathetha isiNgesi kulo lonke ixesha lomsebenzi wakhe wokuthengisa izindlu nomhlaba, umthetho weshishini, ukufudukela kwelinye ilizwe, nakwiindawo ezihlala zichaphazela ubomi babahlali bamanye amazwe, njengomthetho wosapho kunye nemicimbi yelifa.
