Ibhokisi yokungena
I-Bayerische Versorgungskammer liziko lobuchule kunye nenkonzo kwizikim zepenshini yomsebenzi kunye noluntu kunye nelona qela likhulu leenkqubo zomhlalaphantsi zomthetho woluntu eJamani. Njengegunya likawonke-wonke loMphathiswa waseBavaria weNdawo yangaPhakathi, liqumrhu elilawulayo elihlangeneyo leengcali ezilishumi elinesibini zenkululeko kunye nezicwangciso zomhlalaphantsi zoluntu. I-Bayerische Versorgungskammer ibandakanya malunga ne-2,4 yezigidi zabanini-polisi bebonke, kunye neminikelo ye-5.200 yeebhiliyoni zee-euro kunye ne-3.800 yeebhiliyoni zepension zonyaka. Okwangoku ine-97.200 yeebhiliyoni zee-asethi phantsi kolawulo (ixabiso lemarike) kunye nabasebenzi abangaphezu kwe-1.420.
I-CaixaBank, iqela eliphambili lezemali laseSpain, lelinye lamaziko emali azinikele kakhulu ekuzinzeni, njengoko iSicwangciso seBhanki esijongene noLuntu lubandakanya imigaqo emihlanu ephambili yokwenza igalelo ngokuthe ngqo kwiiNjongo zeZizwe eziManyeneyo zoPhuhliso oluZinzileyo. Ngemisebenzi yayo, ibhanki ixhasa amalinge okusingqongileyo kunye neeprojekthi ezinceda ukuthintela kunye nokunciphisa utshintsho lwemozulu, ukukhuthaza ukutshintshela kuqoqosho lwekhabhoni ephantsi kunye nophuhliso lwentlalo.
Imali-mboleko yebhanki yaseSpain
Ukuzibophelela ekuveliseni izinto ezintsha kunye nedijithali kuvumela ibhanki ukuba ilungelelanise izindululo ezintsha kubathengi kunye nabathengi abanokubakho, abahamba nabo nakweliphi na ilizwe nangaliphi na ijelo lenkonzo.
Iqonga elitsha ledijithali lokukhwela kunye nebhanki livumela abantu abangahlali eSpain ukuba babhalisele i-HolaBank, inkqubo yebhanki kuluntu lwamazwe ngamazwe, ngedijithali, ukusuka kuso nasiphi na isixhobo naphi na.
I-digital on-boarding entsha ijoyina i-MortgageNow, inkonzo yesicelo se-mortgage yedijithali yabantu abangahlali eSpain kunye nee-arhente zezindlu zamazwe ngamazwe, kunye novulindlela kweli lizwe. Le nkonzo ivumela abathengi bamazwe ngamazwe abanokuba ngabathengi bezindlu ezithengiswayo eSpain ukuba bafake isicelo semali mboleko kwilizwe labo, ngendlela ekhuseleke ngokupheleleyo kunye nempendulo enokwenzeka kwiiyure ezingama-48.
Iqonga libandakanya uluhlu lwamaxwebhu omntu ngokwelizwe kunye nohlobo lomsebenzi kulwimi lomxhasi kwaye livumela ukubhaliswa kwamaxwebhu ayimfuneko ukuze kuqhutywe isifundo se-mortgage, ngaphandle kwemfuneko yokuyiguqulela kwiSpanishi. Ukongeza, kukho indawo yabucala yee-arhente zezindlu ezinokulawula zonke izicelo zakho ngesiqinisekiso sokuphendula ngokukhawuleza okunokwenzeka.
Santander mortgage calculator
Iintsika yesibini yalo mthetho uyilwayo iququzelela ukuguqulwa kweemali-mboleko eziguquguqukayo zeendleko zokubambisa zibe ngamaxabiso amiselweyo. Injongo kukuphucula uzinzo lwezimali kumakhaya kwimeko apho inzala inyuka. Ngamazinga enzala ngoku ephantsi kakhulu, ngoku lixesha elifanelekileyo lokukhuthaza olu tshintsho. Ngaphezulu kwe-85% ye-mortgages eSpain idibaniswa ne-Euribor, ngoko ukunyuka okubonakalayo kwinzala kuya kwandisa umthwalo wemali wenani elikhulu lamakhaya. Iimali mboleko ezimiselweyo, ezingadluliseli umngcipheko wenzala kumntu obolekayo, zigcina izinga lenzala lizinzile kude kube sekupheleni kwekhontrakthi kwaye ngaloo ndlela uncede ngokucwangcisa imali. Amanyathelo acetywayo, aqalayo kwaye asebenza kuwo onke ama-mortgages alindileyo, abandakanya ukuncitshiswa kweendleko ze-notary kunye ne-registry ehambelana nokuguqulwa kwe-mortgages kunye nokunciphisa iikhomishini zokubuyisela kwangaphambili i-mortgages, kunye nobuninzi be-0,25, i-0% yemali eseleyo. inkunzi kwiminyaka emithathu yokuqala kunye ne-XNUMX% emva koko. Umthetho uya kwenza kube lula ukuguqula i-mortgages ethathwe ngemali yangaphandle ibe yi-euro (okanye imali apho umboleki afumana uninzi lomvuzo wakhe). Oku kubonelela ngokhuseleko olukhulu kumngcipheko onaniso lwangaphandle.
ICaixabank SA
Ukudityaniswa kweCaixaBank kunye neBankia kulindeleke ukuba kumiselwe ngokusesikweni ngaphambi kukaMatshi ka-2021, into leyo enokuzisa ubunzima kwabo bathengi bamazwe ngamazwe kunye nabangaphandle abafuna ukuthatha imali mboleko yaseSpain.
Ngokuka Spain kunye Portugal mortgage umboneleli Mortgage Direct, nakuphi na ukudityaniswa akusayi kuba nempembelelo ebalulekileyo kwimali-mboleko yendlu okanye imilinganiselo yenzala, kodwa unokubona utshintsho kwiimali ezamkelweyo.
"Kutshanje siye sakwazi ukunceda umxhasi omvuzo wakhe uhlawulwe kwiipesos zaseMexico, imali engamkelekanga ngoku kwiibhanki zaseSpain ngeenjongo zokuboleka imali," utshilo uKatherine Walkerdine, iqabane eliseka kunye nomphuhlisi weshishini le-Mortgage Direct, kwingcaciso nge-imeyile. .
"Besinomthengi ofumene umvuzo wakhe eKazakhstan, kwaye nangona engakwazi ukuthatha imali mboleko nge-mortgage yaseSpain, unako umgaqo nge-SL," utshilo u-Walkerdine. "Nangona kunjalo, kubalulekile ukuqaphela ukuba ukuseta i-SL kuthatha ixesha elide (kungathatha ukuya kwiinyanga ezi-6) kwaye kungena iindleko ezongezelelweyo: malunga ne-€ 2.000 yokuseta, kunye neendleko eziqhubekayo zokufayilisha ii-akhawunti zekota."
