Ukubuyekezwa komyalelo wekhredithi yezindlu
Nakuba ukusatshalaliswa kwemali engenayo yasendlini e-Ireland kungalingani kakhulu e-EU ngaphambi kwezintela nezinzuzo, ucwaningo luphetha ngokuthi uhlelo lwentela lwase-Ireland oluthuthukayo lususa kakhulu lesi simo, okusondeza ukungalingani kweholo ku-EU.
“Izici ezimbili ezithuthukayo ikakhulukazi ohlelweni lwethu lwentela wumthwalo obanzi womhlaba wonke kanye nezinga lokuqala lapho izinga eliphezulu lentela engenayo lisebenza khona. Ngokuhlangene, basondeza izinga lokungalingani kwemali engenayo nesilinganiso se-EU, ”engeza.
- Ukungalingani kwemali engenayo ngaphambi kwezintela nezinzuzo kunyukile eminyakeni engu-30 edlule, futhi ngo-2017 (unyaka wakamuva kakhulu lapho idatha etholakalayo) leyo yemizi ecebe kakhulu engu-10% yayingaphezulu ngokuphindwe izikhathi ezingu-2,6 kunaleyo yomndeni ovamile. .
- Kodwa-ke, ukungalingani kweholo lomndeni kwehlile ezinyathelweni eziningi ngalesi sikhathi. Lokhu kungenxa yokuthi ukukhula kwakunamandla ikakhulukazi emakhaya anemali ephansi kakhulu phakathi kuka-1997 no-2007, lapho imali engenayo yengxenye yesihlanu ephansi yemizi ikhuphuka ngesilinganiso esingaphezu kuka-12% ngonyaka ngokwemibandela yangempela (ngemuva kokucabangela ukwehla kwamandla emali).
I-Mortgage Credit Directive
(No. 27 ka-1972), futhi ukuze kuthotshelwe i-Directive 2014/17/EU yePhalamende LaseYurophu kanye NoMkhandlu, wangomhla zi-4 Febhruwari, 2014, mayelana nezinkontileka zezikweletu zabathengi bezindlu ezithengiswayo ukuze zisetshenziswe endaweni yokuhlala kanye neziqondiso 2008 /48/EC kanye ne-2013/36/EU kanye ne-Regulation (EU) No. 1093/2010 zishintshiwe, zisungula le mithethonqubo elandelayo:
«izinsizakalo zokweluleka»: ukuhlinzekwa kwezincomo zomuntu siqu kumthengi maqondana nomsebenzi owodwa noma ngaphezulu okuhlobene nezivumelwano zezikweletu futhi kuhlanganisa umsebenzi ngaphandle kokunikezwa kwekhredithi kanye nemisebenzi yokulamula yesikweletu;
"Izinga elilinganayo lonyaka" noma "i-APR": isamba sezindleko zekhredithi yomthengi, evezwa njengephesenti lonyaka yenani eliphelele lesamba sekhredithi, lapho kufaneleka khona, okuhlanganisa izindleko ezishiwo esigabeni 2 soMtheshwana 18, futhi okuyinani eliphelele lesamba semalimboleko. okulingana, minyaka yonke, ngenani lamanje lazo zonke izibopho zesikhathi esizayo noma ezikhona (okuchithwayo, izinkokhelo, kanye nezindleko) okuvunyelwane ngakho umabolekisi kanye nomthengi;
Ochwepheshe kazwelonke be-European Mortgage Federation
Amabhange aseSpain abe nezinguquko ezinkulu zesakhiwo kusukela ngo-2010, lapho ibhange likazwelonke laseSpain liqinisa imithetho. Amabhange amaningi okonga endawo aphoqeleke ukuthi ahlangane noma athengwe amabhange amakhulu. Ngale ndlela, amabhange aseSpain manje anamandla futhi anempilo. Ngenxa yalokhu, ukungavikeleki kwenkinga yamabhange ka-2009 sekuphelile, amabhange afuna ukuboleka imali futhi futhi izimo zizinzile.
E-Spain, isakhamuzi se-EU ngokuvamile singaboleka kufika ku-70%, ngezinye izikhathi u-80%, yenani lokuthenga lendawo, ebekwe njengesibambiso. Isikhathi esijwayelekile sifika eminyakeni engama-30, nakuba kungase kube nemikhawulo ngenxa yeminyaka yomboleki, njengoba amabhange efuna ukuthi imali ebolekwayo ikhokhwe ngaphambi kweminyaka yobudala engama-75. Lokhu kusho ukuthi umuntu obolekayo oneminyaka engu-60 angathola isikhathi seminyaka engu-15.
Uma udinga i-LTV ephakeme (Loan To Value), mhlawumbe ukubuyiselwa kwebhange kungase kube inzalo, ibhange elithengisayo ngokuvamile linikeza izimo ezikhethekile namazinga, ngisho afika ku-100% yenani lokuthenga. Kodwa emakethe esikuyo manje kunzima ukuthola indawo enhle ehlangabezana nezindinganiso zabathengi. Eminyakeni yakamuva amabhange adayise ingxenye enkulu yesitoko abesishiye kulesi simo esibucayi kanti izimo nokutholakala kwamabhange azivuni abathengi ngalesi sikhathi.
izinga lobunikazi bekhaya eu
Uma ufuna ukuthenga umuzi e-UK kodwa ungenaso isikhathi sokuthuthukisa isikolo sakho sesikweletu, ungase ukwazi ukuthola imali yokuthenga indlu noma ngabe unesikweletu esibi njengesakhamuzi sase-EU, kodwa ungase udinge idiphozithi enkulu.
Ngokuthumela imininingwane yakho, uyavuma ukuthi i-Clever Mortgages, noma ummeleli oqokiwe we-Financial Makeover Ltd, angayisebenzisa ukuze aphendule umbuzo wakho. Sicela uqaphele ukuthi wonke umthwalo wesibili kanye nemikhiqizo yokuthengisa izosingathwa yi-Clever Lending, okuyigama lokuhweba le-Financial Makeover.
I-Clever Mortgages yigama lokuhweba le-Financial Makeover Limited. I-Financial Makeover Limited yinkampani enomkhawulo ebhaliswe e-England nase-Wales ngaphansi kwenombolo yokubhalisa ethi 6111701. Ihhovisi Elibhalisiwe: Kempton House, Dysart Road, PO Box 9562, Grantham, Lincolnshire NG31 0EA. I-Financial Makeover Limited igunyazwe futhi ilawulwa Isiphathimandla Sokuziphatha Kwezezimali ngenombolo yokubhalisa 706595. Ukubonisana kwakho kokuqala kanye nezingcaphuno zakho kumahhala futhi awubophekile ukulandela noma yiziphi izinketho ozinikezwayo. Uma unquma ukuqhubeka ne-mortgage noma imali mboleko evikelekile, uzokhokhiswa imali. Izingcingo zethu zingarekhodwa futhi ziqashwe ngezinhloso zokuqeqesha, ukuthobela kanye nezinjongo zokuphatha izicelo. Sicela uqaphele ukuthi imali ebolekiwe yezentengiselwano kanye nezinye izikweletu zokuthenga ukuze uzivumele azizona imikhiqizo elawulwa yi-FCA.
