Iqela leePropati zeBroaddus kunye nongenelelo lwe-EXp Realty
“U-Inma wasinceda kakhulu ekucaciseni inkqubo yokufudukela kwelinye ilizwe nokusikhokela ngamaxesha onke, wade wasikhapha xa sisiya kwidinga lethu ‘naMapolisa’ ukuze sifumane amakhadi ethu okuhlala. Yonke into yahamba kakuhle, ndiyabulela kuInma. Unolwazi olugqithisileyo ngeemfuno zengingqi kwaye waqinisekisa ukuba sinayo yonke into emiselweyo ukuqinisekisa isicelo esiyimpumelelo. Enkosi kakhulu Inma!” Gary Hamilton (Feb 07, 2020)
UFrancisco ligqwetha elinamava ebelimele izithethi zesiNgesi eSpain phantse iminyaka engama-30. Ugxininise kumthetho woluntu (usapho, ilifa, izivumelwano, amabango, amabango e-inshurensi kunye namabango epropathi), umthetho wezorhwebo (ukusekwa kwenkampani) kunye nomthetho wabasebenzi.
U-Angela uneminyaka engaphezu kwama-20 yamava njengegqwetha eliseSpeyin. Uye wanceda abathengi abathetha isiNgesi kulo lonke ixesha lomsebenzi wakhe wokuthengisa izindlu nomhlaba, umthetho weshishini, ukufudukela kwelinye ilizwe, kunye nakwiindawo ezihlala zichukumisa ubomi babahlali bamanye amazwe, njengomthetho weentsapho kunye nemicimbi yelifa.
UFrancisca ligqwetha elinamava kakhulu kunye neminyaka eyi-15 yamava encedisa abathengi abathetha isiNgesi kwiinkalo ezahlukeneyo, kubandakanywa nomthetho wezindlu, kwaye unemvelaphi yezemfundo echukumisayo equka iinkosi kumthetho wentsapho kunye nomthetho wolwaphulo-mthetho. UFrancisca uchithe iminyaka emihlanu ehlala eLondon kwaye ugcine inqanaba eliphezulu lesiNgesi kude kube namhlanje.
Bridgewell Real Estate Group
Ibhanki ibuyisela umva: amagatya omgangatho vs. amagatya zero Iibhanki Spanish balungiselela ukujongana noluvo olulandelayo loMthetheleli Jikelele CJEU kwiziphumo amagatya umgangatho ngokuphunyezwa "amagatya zero" kunye nokwandiswa kwentengiso yemali-mboleko emiselweyo.
Umgca we-General Advocate olandelayo we-CJEU kumagatya omgangatho unokuwacima kwaye enze ibhanki ibuyele kwi-mortgage izixa ezihlawulwe ngokugqithisileyo kwi-mortgages yabo. Esi sigqibo sinokuba neendleko zenkqubo yebhanki yaseSpain, ebalwa yiBhanki yaseSpain, phakathi kwe-5.000 kunye ne-7.600 yezigidi ze-euro.
Ngaloo ndlela, iibhanki zaseSpain zichaza ngokutsha izicwangciso zabo zokuphepha imiphumo yomgca we-General Advocate ye-CJEU. Ngokwemveli, eSpain, uninzi lwemali-mboleko enikezelweyo ibikwinqanaba eliguquguqukayo endaweni yenqanaba lenzala emiselweyo.
Kwixabiso leemali mboleko eziguquguqukayo, ezidla ngokubhekiselwa kwi-Euribor, isavenge savuka okanye sawa ngokwe-Euribor (isalathiso sereferensi yenzala) ukuze umxhasi ahlawule imali engaphezulu okanye encinci ebhankini kwaye, umzekelo, ingeniso ayifumeneyo. iimali zokubambisa zaziguquguquka kakhulu. Ukuze ugweme oku, amagatya omgangatho aphunyezwe kwiimali zokuboleka imali ukuze kugcinwe isifundo somrhumo kungakhathaliseki ukunyuka nokuwa kwe-Euribor. La masolotya abhengezwe ngokuxhaphaza yiNkundla ePhakamileyo yaseSpain.
Iprojekthi yeMali-mboleko yeKhaya ye-REMN
NgoJanuwari 20, iRoyal Decree - Law 1/2017, kaJanuwari 20, ivunyiwe, eyenza amanyathelo okunceda abathengi bafune imali ehlawulwe ngokugqithisileyo 'kwigatya lomgangatho', kwiimali zabo zokuboleka imali. Lo mthetho uyalela ukuba iibhanki kufuneka:
Ixesha eliphezulu lokuba umboleki kunye nequmrhu lifikelele kwisivumelwano kwiinyanga ezintathu ukususela ekunikezelweni kwebango, kwaye kuya kuqondwa ukuba inkqubo ye-extrajudicial iqukunjelwe ngaphandle kwesivumelwano, ivumela umxhasi ukuba azame ukubanga imali kwiinkundla. , ukuba nabani na kuni nobabini:
Uninzi lweebhanki sele luyicimile "igatya lomgangatho" kwi-mortgages yazo, ngoko ke kwiimeko ezininzi amabango angenisiweyo aya kuba kukubuyiswa kwentlawulo engaphezulu. Kwezinye iibhanki ezingekapheli igatya, inkqubo iya kufana, nangona kunjalo ibango liya kubandakanya isicelo sokuba igatya lipheliswe, kunye nebango lokubuyiswa kwentlawulo engaphezulu.
Akukho mfuneko yokulinda ukuva kwibhanki yakho. Kukho amagqwetha amaninzi anikezela ukwamkela amabango "igatya lomgangatho", uninzi lwawo ngaphandle kokubiza nantoni na, kuba eyazi ukuba aya kuphumelela. Oku kunokuvakala kunomtsalane ekuqaleni, kodwa umrhumo wabo wempumelelo udla ngokuba yipesenti enkulu, ngokufuthi sisiqingatha okanye ngaphezulu kwayo nayiphi na imbuyekezo abayifumana ebhankini.
Ngaba iimali zokubambisa ezisemthethweni zinegatya lomgangatho? kwi-intanethi
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.
