Ukuboleka imali eSpain ukuthenga ikhaya-Isikhokelo esiKhawulezayo!
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, kufuneka 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.
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Izigwebo zakutsha nje zeNkundla ePhakamileyo yaseYurophu naseSpain zenze ukuba kukwazeke ukunyanzela iibhanki ukuba zitshitshise "igatya eliphantsi" leemali zokubambisa, kwaye zisebenzise inzala yokuqala ekuvunyelwene ngayo kwi-mortgage deed.
Oku akuthethi kuphela ukutshitshiswa "kwezinga lenzala" (elithintela ukuba izinga lenzala linokuhla lingakanani) kunye nokusetyenziswa komlinganiselo wokuqala ekuvunyelwene ngawo (kunye nokucuthwa okuhambelanayo kwizavenge zenyanga), kodwa nokuba nokwenzeka kokubuyisela yonke into. iimali ezihlawulwe ngokugqithisileyo ngokusetyenziswa kwegatya lomgangatho. Kwezinye iimeko, yimali eninzi kakhulu.
Ngaloo ndlela, ezinye iibhanki zivuma ukutshitshiswa kwegatya lomgangatho kunye nembuyekezo epheleleyo yayo yonke inzala eqokelelwe ngokugqithisileyo kwixesha elide leenyanga ezintathu ukusuka kwixesha umxhasi ehambisa isicelo esihambelanayo.
Ngaba kufuneka uyeke ukuvela kovavanyo?
Igatya lomgangatho yimeko ebandakanya okanye kunoko iquke inxalenye enkulu yenkqubo yebhanki yaseSpain kwiikontraki ze-mortgage rate. Xa ezi zadityaniswa kwisalathiso sesalathiso saseYurophu, i-Euribor, okanye kwezinye iisalathiso ezingabalulekanga kangako. Ukubandakanywa kwayo kubophe umxhasi ukuba ahlawule ubuncinci bezinga okanye inzala, kungakhathaliseki ukuba i-evolution yemarike. Ngamanye amazwi, akazange akwazi ukuxhamla ekusebenzeni kakuhle kwezi asethi zemali. Njengoko kusenzeka kwiminyaka yakutshanje, apho ngokukodwa i-Euribor ikwindawo embi, ibonisa umahluko – 0,161%.
Ngokusekelwe kulo mzekelo jikelele, isigwebo seNkundla ePhakamileyo somhla we-9 kuMeyi, 2013 sibhengeze ukuba igatya lomgangatho alisebenzi kwaye linyanzelise amaqumrhu ebhanki ukuba abuyisele iintlawulo ezingaphezulu ukusuka kumhla wesigwebo. Kwelinye icala, kunye nesigwebo saseYurophu kwafika i-retroactivity iyonke enyanzelise amaziko ekhredithi ukuba abuyisele iimali ezihlawulwe ngokugqithisileyo ukusuka ekuqaleni kwisivumelwano semali mboleko.
Omnye wemisebenzi yakho njengomsebenzisi webhanki kukuchonga ukuba imali-mboleko osandula ukungena kuyo ibandakanya igatya lomgangatho. Ngokukodwa kwimeko apho unokuphembelela okanye ulungise esi siganeko kuba siyakwenza ukuba uhlawule i-euro ngaphezulu kunokuba bekucingelwa ekuqaleni. Kwakhona, uqeshe iinkonzo zobuchwephesha kwifemu yomthetho. Ngamafutshane, kukho imiqondiso emininzi enokubonelela ukuba wazi ukuba unayo ngenene imali mboleko enezi mpawu.
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Igatya lomgangatho ngummiselo osekwe kwiimali-mboleko zezindlu eziguquguqukayo ezinqanda ukuguquguquka kwenzala ekuvunyelwene ngayo. Umzekelo, ukuba unenzala eguquguqukayo yemali-mboleko esekwe kwi-EURIBOR kunye ne-1% kwaye ibhanki isebenzisa ummiselo 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.
