Indlela yokujonga amaxwebhu asemthethweni ngaphambi kokuthenga ipropati?
Ndiqinisekile ukuba nivile "ngamagatya omgangatho" akwizibhambathiso zezindlu zaseSpain. Nangona kunjalo, njengoko ndiqinisekile ukuba uvile, ndiqinisekile ukuba awucacanga ngokupheleleyo kwinto abayiyo okanye babandakanya ntoni. Oku kubhideka, esele kukho kuluntu lwaseSpain nangakumbi nakwamanye amazwe, kungenxa yolwazi oluninzi oluphikisanayo, kwaye ngamanye amaxesha bubuxoki obungamanga, obusasazwa ngamajelo eendaba. Nangona ndimele ndivume ukuba oku akuncediswa yikhosi ye-zigzagging eyenziwa yi-jurisprudence yaseSpain.
"Igatya elisezantsi" ligatya elikwikhontrakthi yokubambisa emisela ubuncinci beentlawulo zendlu-mboleko, kungakhathaliseki ukuba inzala eqhelekileyo ekuvunyelwene ngayo neziko lezemali ingaphantsi kobo buncinane.
Uninzi lwemali-mboleko enikezelwa eSpain isebenzise izinga lenzala ebekwe ngokusekelwe kwireferensi yereferensi, ngokuqhelekileyo i-Euribor, nangona kukho abanye, kunye nokwahluka okungafaniyo ngokuxhomekeke kwiziko lemali ekuthethwa ngalo.
Yintoni ekufuneka uyazi malunga nomsantsa woqingqo-maxabiso
Kwiimali-mboleko ezininzi zaseSpain, inzala ekufuneka ihlawulwe ibalwa ngokubhekisele kwi-EURIBOR okanye i-IRPH. Ukuba le nzala inyuka, ke inzala kwi-mortgage iyanda, ngokufanayo, ukuba iyancipha, intlawulo yenzalo iya kuncipha. Oku kwaziwa ngokuba yi "variable rate mortgage", kuba inzala ekufuneka ihlawulwe kwi-mortgage iyahluka kwi-EURIBOR okanye i-IRPH.
Nangona kunjalo, ukufakwa kweGatya loMgangatho kwikhontrakthi ye-mortgage kuthetha ukuba abanini-mali mboleko abazuzi ngokupheleleyo ekuweni kwexabiso lenzala, kuba kuya kubakho umlinganiselo omncinci, okanye umgangatho, wenzala oza kuhlawulwa kwi-mortgage. Inqanaba legatya elincinci liya kuxhomekeka kwibhanki enika imali yokubolekwa kwempahla kunye nomhla owenziwe ngawo isivumelwano, kodwa kuqhelekile ukuba amaxabiso amancinci abe phakathi kwe-3,00 kunye ne-4,00%.
Oku kuthetha ukuba ukuba une-mortgage rate rate kunye ne-EURIBOR kunye nomgangatho obekwe kwi-4%, xa i-EURIBOR iwela ngaphantsi kwe-4%, ugqiba ukuhlawula inzala ye-4% kwi-mortgage yakho. Njengoko i-EURIBOR okwangoku ingalunganga, kwi--0,15%, uhlawula inzala ngaphezulu kwe-mortgage yakho ngomahluko phakathi komlinganiselo ophantsi kunye ne-EURIBOR yangoku. Ngokuhamba kwexesha, oku kunokumela amawaka eeuro ezongezelelweyo kwintlawulo yenzala.
Ngaba kufuneka uyeke ukuvela kovavanyo?
Igatya lomgangatho, elidla ngokuziswa kwisivumelwano sezemali ngokunxulumene nowona mlinganiselo uphezulu okanye ubuncinane bezinga lenzala, libhekiselele kwimeko ethile equkwa ngokubanzi kwiikhontrakthi zemali, ingakumbi kwiimali-mboleko.
Njengoko imali-mboleko inokuvunyelwana ngokwesiseko semali-nzala emiselweyo okanye eguquguqukayo, imali-mboleko ekuvunyelwene ngayo kunye nemilinganiselo eguquguqukayo idla ngokunxulunyaniswa nenqanaba lenzala elisemthethweni (eUnited Kingdom LIBOR, eSpain EURIBOR) kunye nemali eyongezelelweyo (eyaziwa ngokuba okanye umda).
Kuba amaqela aya kufuna ukuba nesiqinisekiso malunga nezixa ezihlawulweyo nezifunyenweyo xa kukho iintshukumo ezibukhali nangesiquphe kwibenchmark, anokuthi, kwaye aqhele ukwenza, avumelane ngenkqubo apho aqinisekileyo ukuba iintlawulo aziyi kuba phantsi kakhulu. (ngebhanki, ukuze ibe nenzuzo ethile kunye neqhelekileyo) okanye iphezulu kakhulu (ngomboleki, ukuze iintlawulo zihlale zikwinqanaba elifikelelekayo kulo lonke ixesha le-mortgage).
Nangona kunjalo, eSpain, malunga neshumi leminyaka, iskimu sokuqala sonakaliswe kangangokuba kuye kwaba yimfuneko ukuba iNkundla ePhakamileyo yaseSpain ikhuphe isigwebo sokukhusela abathengi / ababoleka imali ekuxhatshazweni rhoqo okwenziwa ziibhanki kubo.
Ibhanki yaseSpain ibuyela "kwiGatya loMgangatho" "Igatya loMgangatho"
Ngokungqinelana namagatya oMthetho wasebukhosini we-1/2017 malunga nemilinganiselo yokhuseleko lwabathengi engxamisekileyo ngokwemigaqo yamagatya omgangatho, i-Banco Santander idale iYunithi yeBango loMgangatho woMgangatho ukuze ijongane namabango anokuthi abathengi bawenze kwindawo yokusetyenziswa koMmiselo wasebukhosini oxeliweyo- 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.
