imali-mboleko ethe ngqo
* I-inshurensi yobomi (ukubalwa kwe-inshurensi yobomi kunye ne-amortization): i-226,58 ye-euro yeprimiyamu yonyaka (phantsi kwesiseko sokuba iprimiyamu ayiyi kuhluka ngexesha lokusebenza, kwaye ayiyi kuhlaziywa ngokusekelwe kwinkunzi ebuyiselweyo okanye ubudala be-inshurensi. ). Intlawulo yanyanga le ibalwa ngokusekelwe kwimvumelwano ye-inshurensi yobomi kwi-50% yemali eyinkunzi kunye neminyaka yobudala yomnini-polisi engama-30. Iindleko zale nkonzo ziya kuhlawulwa ngumthengi ukuba uceliwe.
1 Isistim yembuyekezo yesiFrentshi: Intlawulo ethe gqolo ebandakanya inxalenye yentlawulo eyintloko kunye nenxalenye yenzala. Inxalenye yenzala ebandakanyiweyo kwintlawulo nganye iya kuba sisiphumo sokusebenzisa izinga lenzala elisebenzayo kwinkunzi eseleyo ekuqaleni kwexesha lenyanga nganye. Umahluko kunye nesixa sentlawulo yinxalenye ehambelana ne-amortization ye-capital.
Ngenyanga nganye kufuneka uhlawule inzala kwinqununu engekahlawulwa. Xa imali mboleko ibanjwe okokuqala, kukho imali eninzi yokwenza i-amortize, ngoko ke intlawulo yenzala inkulu kune-amortization yenqununu ekuqaleni. Kuba sifuna ukuba izavenge zihlale zingatshintshi, inxalenye yenzala iyehla kwaye inxalenye yenkunzi iyanda njengoko ixesha lihamba.
Ikhatyhuleyitha yokubambisa kubahlali baseSpain
Ndihlala ndibuzwa ukuba zeziphi iindleko zokuthenga indawo eSpain. Xa uthenga ipropathi eSpain kukho iindleko zabo bobabini umthengi kunye nomthengisi. Nangona kunjalo, kukho amathandabuzo malunga nokuba zeziphi iindleko ezizezomthengi kwaye zeziphi zomthengisi.
Ezi ziindleko zokubhala imisebenzi eSpain, ebizwa ngokuba yi-Escritura. Ngokubanzi, umthetho waseSpain umisela ukuba ezi ndleko kufuneka zihanjiswe ngamaqela atyikityayo, oku kuthetha ukuba abathengisi kufuneka bathwale iindleko zokuqala "zokubhala" kunye nomthengi weekopi. Nangona kunjalo, namhlanje kuyinto eqhelekileyo ukuba umthengi ahlawule zonke ezi ndleko.
Imirhumo ye-notary isekelwe kwixabiso lentengiso elivela kwi-deed of the property. Umzekelo, kwipropathi ye-euro eyi-100.000, malunga ne-675 euros ihlawulwe. Kodwa kwipropathi yesigidi esi-1, unokuhlawula i-euro eyi-1000. Ukufumana unobhala waseSpain kwindawo yakho, ndwendwela iSpanish Notarial Guide.
Le yindleko yokuzikhethela. I-Arhente ifana nomgcini-zincwadi ojongana neentlawulo zerhafu kunye namaphepha ukuze amisele ngokusemthethweni amaxwebhu eepropathi kunye nezivumelwano zokubambisa.
I-Mortgage yaseSpain
Ikhaltyhuleyitha iya kukucela iinkcukacha ezithile malunga nokubalwa kwayo kunye nokumisela uqikelelo lweemeko zemali mboleko kunye noqikelelo lwentlawulo yokuthenga indlu oza kuyihlawula nyanga nganye. Iinguqu ezisetyenzisiweyo sisixa-mali semali-mboleko (imali ebolekwa yibhanki ngokusekelwe kwixabiso lendlu), ixesha kunye nesantya senzala.
Ukugqibezela ubalo kwaye ufumane uqikelelo lokuba yimalini okufuneka uyihlawule kwimali mboleko yendlu, siya kukucela ulwazi malunga nekhaya elineempawu ezifana naleyo ufuna ukuyithenga (ixabiso, ikweliphi iphondo, ukuba iya kuba yindawo yakho yokuhlala yokuqala kwaye ukuba likhaya elitsha okanye elikhoyo) kunye nolwazi malunga nemboleko ye-mortgage (udinga kangakanani kunye nobude be-mortgage).
Ixesha lokubuyisela imali-mboleko ye-mortgage iyahluka ngokuxhomekeke kuhlobo lwe-mortgage. Ngelixa ixesha eliphezulu lokuhlawula i-Fixed Rate Mortgage yiminyaka engama-30, ixesha le-Vaable Rate Mortgage yiminyaka engama-40 (ngaphandle kokuba iimeko ezithile zihlangatyeziwe). Kuzo zombini iimeko, ixesha elincinci lokuhlawula imali mboleko ye-mortgage iya kuba yiminyaka eyi-10.
Expant iirenti e Valencia
Uqingqo-maxabiso lwePropati (Tasación); Uqingqo-maxabiso olusemthethweni lwepropati lunyanzelekile kwisigqibo sokunika imali-mboleko. Yenziwa ziingcali ezizimeleyo. Ixabiso layo lixhomekeke kwixabiso lendlu kwaye liphakathi kwe-200 kunye ne-500 ye-euro ngokomndilili. Kwimeko ye-luxury real estate, ixabiso lokulinganisa lingahluka ukusuka kwi-500 ukuya kwi-euro eyi-1.500.
iindleko zobhaliso; ehambelana nokubhaliswa kwemboleko-mali ye-mortgage kwirejista yepropathi. Ixabiso lixhomekeke kwimali-mboleko kunye namazinga amisiweyo. Ngokuqhelekileyo yi-1% yemali ye-mortgage.
I-inshurensi yekhaya Enye yeemeko ezinyanzelekileyo zokunika imali mboleko yendlu ngokomthetho wangoku yi-inshurensi yekhaya. Ekubeni ipropati efunyenweyo isiqinisekiso sokubuyisela imali mboleko, ibhanki ifuna ukuqinisekisa ukuba kwiimeko ezingalindelekanga zonke iindleko ziya kuhlawulwa yi-inshurensi. Iibhanki ezininzi zinezivumelwano neenkampani ze-inshurensi, ngokuqhelekileyo ipolisi ye-inshurensi ikhutshwa yibhanki enye ekhupha i-mortgage loan.
Irhafu yeNgeniso yabo bangengabo abahlali baseSpain bahlawuliswa ingeniso ngokuba nepropati eSpain, nokuba ayiqeshiswanga kwaye umnini akafumani ngeniso yokwenyani kwizinto azifumeneyo. Isixa serhafu sixhomekeke kwixabiso le-cadastral.
