UPhando lukaFannie Mae: Izitenxo zoCwangciso-mali kwi
Ngokusekelwe kwesi sivumelwano, iGallego & Rivas inikezele ukuba ifunde, ngaphandle kwentlawulo, amaxwebhu abanini abanokuthi bachaphazeleke "ngumhlathi ophantsi" kwiimali mboleko zabo. Ekupheleni kweli nqaku, siza kuchaza ukuba abo bachaphazelekayo banokufikelela njani kule nkonzo.
Okokuqala: Yintoni “igatya lomgangatho”? I-mortgage kuthiwa ine "gatya lomgangatho" xa, kwi-mortgage yenzala eguquguqukayo, kukho igatya kwiSivumelwano seMali-mboleko ye-Mortgage emisela ukuba inzala kule mboleko yokubambisa ayinakuba ngaphantsi komda othile.
Ngamanye amazwi, kule meko, i-mortgage ayinakuxhamla kwixabiso lenzala ephantsi kunye nokuhla okulandelelanayo okwenzekayo, ekubeni ixabiso lenzala elincinci "litshixiwe" kwaye akukho nzala emiselweyo engaphantsi kwayo ingasetyenziswa. kwi "gatya lomgangatho". Kwiminyaka emininzi, izinga lenzala ye-Euribor beliphantsi kakhulu kwaye la mhlathi amele ilahleko enkulu kubathengi abaninzi.
INkundla ePhakamileyo ibhenela kuxinzelelo lwezoqoqosho olunokuthi lumele iibhanki ukubuyisela inani lemali ehlawuliswa ngokungafanelekanga kubathengi ngaphambi kwe-9 kaMeyi 2013 ukususela, kuthathelwa ingqalelo ukuba kukho amawaka eemali mboleko ezichatshazelwa yi "gatya lomgangatho" , iibhanki ziya kunyanzeleka ukuba zibuyisele iibhiliyoni zeeyuro kubathengi bazo.
EZINGALULULA, EZIGCWELELEYO NEZINCOMBOLO – Igrama
Indlela yokubanga igatya lomgangathoIgatya lomgangatho ngokungathandabuzekiyo lelinye lawona magama aziwayo ebhankini namhlanje, kwaye ayisiyonto encinci, kodwa ngaba siyazi ngokwenene ukuba yintoni na? Ngaba kulula ukwazi ukuba i-mortgage yethu iqulethe olu hlobo lwesigatya? Singalibanga njani imbuyekezo yemali ebesiyihlawule kakhulu ngeli xesha? Okulandelayo, siya kuzama ukusombulula onke la mathandabuzo.
Masiqale ngokuchaza ukuba yintoni igatya lomgangatho, elilelona lichaza inzala encinci kwimali-mboleko yethu, oko kukuthi, kufuneka sihlawule obo buncinane, nokuba isalathiso esidityaniswe kuso sisezantsi kakhulu. Nangona kunjalo, okwahlukileyo akwenzeki kuba akukho mda uphezulu ukuba isalathisi ngokwaso sinyuka ngokukhawuleza.
Indlela engafanelekanga ibandakanya ukubanga isixa semali enetyala lebhanki kuthi, ukufikelela kwisivumelwano kunye nokuphelisa ungquzulwano. Nangona kunjalo, nangona esi sisombululo sibonakala sisesona singqiqweni kwaye sinengqondo, phantse asize senziwe ngempumelelo kuba iibhanki aziqhelekanga ukubuyisela imali ngaphandle kokuba kukho isivakalisi esiyalelayo.
Kwaye kwelinye icala, indlela yokugweba, eyona nto inzima kwaye inzima ngakumbi kumntu, kodwa echaza ipesenti ephezulu kakhulu yempumelelo ukususela, emva kwezigwebo ezininzi zeNkundla yeMercantile kwaye, ngaphezu kwakho konke, isigwebo seNkundla ePhakamileyo. kaMeyi 9, 2013 (okwathi amagatya asisiseko ayinto engekhoyo), izigwebo zilungile.
Ngeye-13 | into epheleleyo | Netflix
Ungalifumana igatya lomgangatho (Clausula Suelo) kwisivumelwano sakho semali-mboleko. NgeSpanish, olu xwebhu lubizwa ngokuba “yiSigqibo seMali-mboleko yokubolekwa kwezindlu”. Uxwebhu lwatyikitywa phambi kommeli woluntu ngaxeshanye indlu yathengwa.
Emva kokuba i-mortgage deed isayinwe phambi kwe-notary, ibhanki iyithatha kwirejista yepropati ukuze ibhalise. Nje ukuba isivumelwano se-mortgage sibhalisiwe, ibhanki iyayifumana kwaye kufuneka ithathwe ngumthengi okanye igqwetha labo.
Unokufumana uluhlu lweentlawulo ezenziweyo ukususela ekubeni usayine i-mortgage kwiwebhusayithi yebhanki okanye kwisebe apho une-mortgage. Ukuba izinga lenzala lehlile kwaye i-mortgage yakho ayizange, mhlawumbi unegatya lomgangatho we-mortgage.
Kufuneka ungenise ifom kwibhanki yakho kunye nekopi yesivumelwano semali-mboleko kunye nerisithi yamva nje eqinisekisa intlawulo yenyanga yokubambisa. Ukongeza, ungangenisa uqikelelo lweentlawulo ezingaphezulu. Ibhanki ayidingeki ukuba iphendule kuwe, kodwa idla ngokuphendula kubathengi bayo ngokuvuma okanye ukukhanyela ibango. Ukuba ibhanki ayilirhoxisi igatya lomgangatho wemali yokubambisa kwaye ibuyise imali oyihlawule ngokugqithisileyo, kufuneka ufake ibango elisemthethweni.
I Minnesota House of Representatives upasa umsebenzi jikelele kunye nomthetho ishishini
Igatya lomgangatho ngummiselo osekwe kwiimali-mboleko zezindlu eziguquguqukayo ezinqanda ukuguquguquka kwexabiso lenzala ekuvunyelwene ngalo. Umzekelo, ukuba unenzala eguquguqukayo yemali-mboleko esekwe kwi-EURIBOR kunye ne-1% kwaye ibhanki ibeka umqathango obeka ubuncinci bezinga lenzala ekufuneka lihlawulwe nguwe kwi-3%. Namhlanje, i-EURIBOR ingaphantsi kwe-0%, ngoko kufuneka uhlawule i-1% kwimali mboleko yakho ye-mortgage, kodwa ngenxa yomda omiselwe kwigatya lomgangatho, umlinganiselo omncinci oya kuhlawula uya kuba yi-3%, engabonakali kakuhle konke konke. akunjalo?
Uninzi lwemali mboleko eSpain yimali-mboleko eguquguqukayo yemali mboleko. Kwaye uninzi lwezi mboleko zisekwe kwireyithi ye-EURIBOR. Kwaye uninzi lwezi mboleko zenziwa kwi-real estate boom eyathi ekugqibeleni yaqhuma ngo-2008.
Ukuba iGatya loMgangatho lixhaphaza, oku akunakuchaphazela umthengi nangayiphi na indlela. Oku kuthetha ukuba imali-mboleko iya kusebenza ngokungathi igatya lomgangatho alizange lisetyenziswe kwasekuqaleni. Kuthetha ukuba igatya lomgangatho alizange libekho kuba alisebenzi kwaye alisebenzi ukususela kusuku lokuqala.
