Imeko yangaphambili, iMeko elandelayo kunye neMeko eyiNyaniso kwiReal Estate
KwaCarlos Haering Abogados sinokujonga ukuba imali-mboleko yakho ibandakanya igatya lomgangatho. Siza kufunda ngetyala lakho, siqinisekise ukuba linokwenzeka kwaye sikuncede ufumane yonke imali oyihlawule ngaphezulu.
Amagatya omgangatho we-mortgages abe yingxaki kubathengi abaninzi, abaye bafumanisa ukuba abanako ukuzuza ngokuhla kwe-EURIBOR eyenzeka kwiminyaka yamuva nje, efikelele kwimbali ephantsi ngenxa yobunzima bezoqoqosho.
Ngexesha lokusayina i-mortgage, kufuneka wazi kwaye ufumane lonke ulwazi malunga nawo onke amagatya kunye "noshicilelo oluncinci". Igatya lomgangatho limisela umlinganiselo wenzala kuzo zonke izavenge zemboleko-mboleko yakho, nokuba ithini na inzala yemalike yangoku. Ngenxa yoko, ukuba isixa se-EURIBOR kunye nesantya senzala yangoku sikhokelela kwizinga eliphantsi kunelo limiselwe kwiGatya loMgangatho, awuyi kukwazi ukuhlawula ixabiso eliphantsi kwaye uya kuhlawuliswa, endaweni yoko, umlinganiselo weGatya loMgangatho. .
Abathengi abaninzi baye batyikitya i-mortgage ngaphandle kokwaziswa malunga nobukho beGatya loMgangatho kunye nemiphumo yalo, kwaye isenzo esinjalo sinokuthathwa njengento ehlukumezayo okanye engacacanga kakhulu yibhanki yabo. Ngaloo ndlela, inokuba sesichengeni kumabango asemthethweni, kunye namathuba aphezulu okuphumelela.
Ukuguqulwa kwe-duplex NGAPHAMBI / EMVA kokuhamba kunye nesivumelwano
Ngokwamalungiselelo eRoyal Decree-Law 1/2017 kumanyathelo okhuseleko lwabathengi angxamisekileyo ngokwemigaqo yamagatya omgangatho, iBanco Santander idale iFloor Clauses Claims Unit ukuze ijongane namabango abathengi abanokuthi bawenze kumda wokusetyenziswa kweRoyal Decree exeliweyo. -Umthetho.
Xa sele ifunyenwe kwiCandelo lamaBango, iya kufundwa kwaye isigqibo siya kwenziwa malunga nokuba semthethweni okanye ukungamkeleki kwayo.Ukuba akukho semthethweni, umenzi webango uya kwaziswa ngezizathu zokukhanyela, ukuphelisa inkqubo.
Apho kufanelekileyo, umenzi webango uya kwaziswa, ebonisa isixa-mali sembuyekezo, acazululwe kwaye abonise imali ehambelana nenzala. Ummangali kufuneka anxibelelane, phakathi kwexesha elide le-15 leentsuku, isivumelwano sakhe okanye, apho kufanelekileyo, izichaso zabo kwisixa-mali.
Ukuba bayavuma, lowo ufaka ibango kufuneka aye kwisebe labo lakwaBanco Santander okanye nakweliphi na elinye isebe leBhanki, azazise, achaze isivumelwano sakhe esibhaliweyo nesindululo esenziwe yiBhanki, atyikitye apha ngezantsi.
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Ungalifumana igatya eliphantsi (uClausula Suelo) kwisivumelwano sakho semali mboleko. NgeSpanish, olu xwebhu lubizwa ngokuba “yiSigqibo seMali-mboleko yokubolekwa kwezindlu”. Uxwebhu lwabhalwa ngelo xesha kwathengwa ipropati.
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.
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I-Royal Decree-Law 1/2017, kaJanuwari 20, kumanyathelo okhuseleko lwabathengi angxamisekileyo ngokwemigaqo yamagatya enzala encinci, epapashwe ngoJanuwari 21, 2017, ijolise ekusekeni izenzo zokuququzelela ukubuyiswa kweemali ezihlawulwe ngabathengi kumaziko ekhredithi ngenxa amagatya athile enzala aqulethwe kwimali-mboleko okanye izivumelwano zetyala ezinesiqinisekiso semali-mboleko.
Emva kokuba isixa-mali sembuyekezo sivunyelwene, indlela ethile yokubuyisela inokumiselwa ukubuyisela imali. Umxhasi uya kuba nexesha leentsuku ezili-15 zokuvakalisa isivumelwano sakhe.
