Ulawulo lweBiden "lunexhala kunye neemvakalelo" kunye neUkraine
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.
Inkulumbuso iyakuvuma 'ukukhathazeka' ngenxa yokuqhambuka kwe-Omicron
Isigwebo esitsha seNkundla yoBulungisa yoLuntu lwaseYurophu kumabango emali-mboleko. Zininzi izinto ezintle onokuzithetha ngeSpain, ukusuka kwimozulu yayo ukuya kukutya okumnandi kunye nabantu bayo abamkelekileyo. Ngelishwa, inkqubo yayo yebhanki kunye nabaphathi bayo basafuna ukuphuculwa. Kwiminyaka elishumi ukusukela kwintlekele yezemali, iinkundla zaseYurophu ziye zahlala zilungisa iSpanish kwizigqibo zazo malunga neendlela zebhanki zaseSpain. Uninzi lwazo lunento yokwenza namagatya okubambisa athe kamva agqalwa njengengekho mthethweni. Elona lidumileyo ligatya lomgangatho okanye igatya lomgangatho, eliseke inzala encinci ekufuneka ihlawulwe eyayikade iphezulu kunesalathiso sesalathiso se-EURIBOR esiqhelekileyo.
I-Del Canto Chambers ibixakeke kakhulu kule minyaka imbalwa idlulileyo yokuphumelela amatyala kubathengi baseSpain nase-UK. Enyanisweni, kubantu abaninzi baseBritani kwakunexabiso elongezelelweyo ukuqesha amagqwetha aseSpain ngolwazi olubanzi lwenkqubo yendawo, kodwa nabo babenesiseko sokusebenza e-United Kingdom.
Kuba kubalulekile ukulandela olu phuhliso ngokusondeleyo, apha siza kuphonononga ezona zihlaziyo zimbini zibalulekileyo ukuze ababoleki bafake ibango kwiibhanki zaseSpain. Kuya kubaluleka ngokukodwa kwabo baninimzi baseBritane baseSpain abanokuthi bazive benqanyuliwe kwiindaba zelizwekazi.
Kuba xa inkundla yaseYurophu isigwebo igatya umhlaba mortgages? kwi-intanethi
NgoMeyi ka-2013, iNkundla ePhakamileyo yaseSpain yagweba ukuba i-mortgages yolu hlobo "yayixhaphaza", kodwa iibhanki ekuqaleni azizange ziyalelwe ukuba zihlawule abathengi. Ngo-Aprili 2016, ijaji yaseMadrid yaqhubela phambili, yagweba ukuba i-40 yababolekisi abakhulu baseSpain kufuneka babuyisele ababoleki inzala eyongezelelweyo ehlawulwe kwi-mortgages evela kwi-2013.
Iimali-mboleko ezininzi eziguquguqukayo zidityaniswa nenzala yaseYurophu (EURIBOR). Igatya lomgangatho okanye iGatya loMgangatho ligatya elibeka ubuncinci bezinga lenzala kwimali-mboleko yemali-mboleko, emisela umda wokuhla komyinge. Ke, nokuba ireferensi yenzala iwa, igatya lisebenza njengomda okanye umgangatho. Ngokuqhelekileyo, lo mda unokuhamba phakathi kwe-2,5% kunye ne-4,5% xa i-EURIBOR iphantsi kakhulu.
Emva kobunzima bezemali, amazinga enzala ereferensi yaseYurophu awile kwaye ahlala ephantsi ngokwembali, okuthetha ukuba xa abathengi bezindlu zokuhlala zaseSpain ezinegatya lomgangatho kwimali mboleko yabo abafumananga nzuzo ngokupheleleyo kwixabiso lenzala eliphantsi lenzala kwiminyaka yakutshanje kwaye baye bagqiba ukuhlawula amawaka eeuro ngaphezulu kwenzala kunokuba bekufanele.
Kuba xa inkundla yaseYurophu isigwebo igatya umhlaba mortgages? 2022
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 bakwazi ukuthetha-thethana nebhanki egameni lakho, kwaye banokude bamangalele ibhanki ukuba ikugcinele imali kwisavenge senyanga nganye, ekubeni inzala oyihlawulayo mhlawumbi ingaphezulu kunenzala esemthethweni esekiweyo. yiBhanki Embindi yaseYurophu Ukuba uqhagamshelana nefem yomthetho ukubanga iindleko zakho zokubambisa, uya kuba nethuba lokuphonononga iitayitile zakho ukuqinisekisa ukuba kukho ubuncinci bexabiso lemali yokubambisa. Ukuba kunjalo, unokucela iBhanki ukuba ibuyisele imali eyithathayo kuwe ngenxa yelo solotya lokuxhaphaza.
