Thengisa iskripthi
Indlela yokubanga igatya lomgangatho Igatya lomgangatho, ngaphandle kwamathandabuzo, enye yemigaqo yebhanki eyaziwa kakhulu namhlanje, kwaye ayikho ngaphantsi, 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 na 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.
I-Mortgage eSpain yokuthenga ipropathi-Isikhokelo esiKhawulezayo!
Sikholelwa ngokuqinileyo ukuba uninzi lwe "threshold clauses" ezibonakaliswe kwiikhontrakthi zokubambisa imali azinabulungisa kwaye abathengi bebhanki bonzakala kwaye bohlwaywa ngenxa yokungabi nalwazi lwemali. Kukulungele ukuba amagqwetha aziingcali akuncede ukuze bathethe nebhanki egameni lakho, kwaye banokude bamangalele ibhanki ukuze ikugcinele imali kwisavenge senyanga nganye, ekubeni inzala oyihlawulayo mhlawumbi ingaphezulu kunenzala esemthethweni esekiweyo. yiBhanki Enkulu yaseYurophu Ukuba uqhagamshelana nefem yomthetho ukuze ubange iindleko zakho zokubambisa, uya kuba nethuba lokuphonononga iitayitile zakho ukuqinisekisa ukuba kukho ubuncinci bexabiso lemali eboleka imali. Ukuba kunjalo, unokucela iBhanki ukuba ibuyisele imali eyithathayo kuwe ngenxa yelo solotya lokuxhaphaza.
UWhoopi Goldberg kunye noBryan Stevenson | Iingxoxo zeAkhademi
Uninzi lweebhanki ezizinze kwiphondo lase-Alicante ziyaqhubeka nokunqaba ukubuyisela imali kubaxhasi babo ngenxa yeentlawulo ezigqithisileyo. Ubungqina obuhle boku kukuba siqhubeka sifaka amatyala amaninzi ngeveki phambi kweNkundla yeNkundla yokuQala, sicela ukupheliswa kwamaGatya oMgangatho kunye nokubuyiselwa kweemali ezihlawulwe ngokungafanelekanga ngenxa yazo.
Zombini iNkundla ePhakamileyo kunye neNkundla yePhondo yase-Alicante baye basigcina isigqibo sabo esiqinileyo sokususa iGatya loMgangatho kwaye bagwebe amaqumrhu ebhanki ukuba abuyisele imali enokuthi iqela elibambiseneyo lihlawule ngenxa yoko.
Izizathu zokupheliswa kweGatya loMgangatho zihlala zifana, oko kukuthi, ukungabikho kwezinto elubala kwicala lebhanki xa kuchazwa umenzi wesicelo se-mortgage ukuba iGatya loMgangatho libe neziphumo zalo kwimbopheleleko yalo ephambili, oko kukuthi, kwisavenge senyanga. yemali mboleko yendlu. Eli gatyana lincinci, ngokuqhelekileyo libandakanyiwe kwigatya lesithathu le-mortgage deed, libandakanyiwe kwinzuzo ekhethekileyo yebhanki kunye nokulimaza umthengi we-mortgage.
Ibhanki yaseSpain ibuyela "kwiGatya loMgangatho" "Igatya loMgangatho"
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.
