Ixabiso lokutshintsha vs. Ixabiso lokwenyani
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.
Lithetha ntoni ibhili yezixhobo kwi-real estate? | Hauseit®
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.
Indlela engekho ngqiqweni kodwa echanekileyo yokudlala iWitcher 3
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 iphezulu kunenzala esemthethweni ebekwe ngu. i-European Central Bank .Ukuba uqhagamshelane nefemu yomthetho ukuze ubange iindleko zakho zokubolekwa kwezindlu, uya kuba nethuba lokuphonononga izenzo zakho ukuze uqiniseke ukuba kukho ubuncinci bexabiso lokuboleka imali. Ukuba kunjalo, unokucela iBhanki ukuba ibuyisele imali eyithathayo kuwe ngenxa yelo solotya lokuxhaphaza.
Utyalo-mali kwi-real estate yorhwebo ngokuchasene nezindlu zokuhlala
Ukuba usayine imali-mboleko yemali-mboleko eguquguqukayo phakathi kuka-2004 kunye no-2012 kunye ne-BBVA, i-Banco Ethandwayo, i-Caja Murcia, i-BMN, i-Bankia, i-Caixa Bank, i-Caja Mar, i-Kutxabank okanye i-Banco Sabadell, amathuba akho okuba ngomnye wabo bachaphazelekayo nguMgangatho woMgangatho. phezulu kakhulu.
Iqela lethu lamagqwetha akhethekileyo liya kujongana nebango ebhankini egameni lakho ukuzama ukuphelisa iGatya loMgangatho elibonelelweyo kwimali-mboleko yakho yokubambisa kunye nokubuyisela inzala obuyihlawule ngokungafanelekanga ukususela oko ubolekiweyo.
Musa ukukhangela ibinzana elithi "Igatya loMgangatho" kuba iibhanki zihlala zibhekisa kulo phantsi kwamanye amagama afana nelithi "umlinganiselo wenzala", "umyinge wenzala eguquguqukayo", "imilinganiselo eguquguqukayo", "ukuguquguquka kwenzala" okanye ukusebenzisa amabinzana afana nelithi izinga lenzala ekuvunyelwene ngalo lingabi ngaphezu kwe-X% okanye libe ngaphantsi kwe-X%», «imida yokuhla kwixabiso lenzala», njl.
Kude kube nini ndingabanga iGatya loMgangatho kunye neeNdleko zokubolekwa kwezindlu? Ekubeni ezi zibizwa ngokuba ngamagatya ahlukumezayo kwaye, ngoko ke, akukho nto, akukho myalelo okanye ukuphelelwa kwexesha lokusetyenziswa kwezenzo ezihambelanayo.
