Izindleko zokushintsha vs. Inani langempela
Ngokusekelwe kulesi sivumelwano, i-Gallego & Rivas inikeze ukutadisha, mahhala, imibhalo yabanikazi abangase bathintwe "isigatshana saphansi" emalini yabo yokubolekwa. Ekupheleni kwalesi sihloko, sizochaza ukuthi labo abathintekile bangafinyelela kanjani le nkonzo.
Okokuqala nje: Siyini “isigatshana saphansi”? I-mortgage kuthiwa "ine-floor clause" lapho, kwi-mortgage yenzalo eguquguqukayo, kunesigaba somthetho eSitatimendeni Semalimboleko Yesikweletu esibeka ukuthi inzalo yale mali mboleko ayikwazi ukuba ngaphansi komkhawulo othile.
Ngamanye amazwi, kulesi simo, imali ebolekwayo ayikwazi ukuzuza esilinganisweni senzalo ephansi kanye nasekuncipheni okulandelanayo okungenzeka, njengoba inani lenzalo elincane "livaliwe" futhi alikho izinga lenzalo elibekwe ngezansi elingasetshenziswa. ku-"floor clause". Iminyaka eminingana, izinga lenzalo le-Euribor beliphansi kakhulu futhi lezi zigaba zimele ukulahlekelwa okukhulu kumakhasimende amaningi.
INkantolo Ephakeme ikhalaza ngokuntengantenga komnotho okungamelela amabhange ukubuyiselwa kwesamba senani lemali ekhokhiswe ngokungafanele kumakhasimende ngaphambi komhla ziyisi-9 kuNhlaba wezi-2013 kusukela, kucatshangelwa ukuthi kunezinkulungwane zezikweletu ezithintekayo «isigatshana esiphansi» , amabhange azophoqeleka ukuthi abuyisele izigidigidi zama-euro kumakhasimende awo.
Isho ukuthini ibhili yempahla ku-real estate? | I-Hauseit®
Ngenxa yezinhlinzeko ze-Royal Decree-Law 1/2017 mayelana nezinyathelo eziphuthumayo zokuvikela umthengi ngokwemibandela yesigaba somthetho, i-Banco Santander idale i-Floor Clauses Claims Unit ukuze ibhekane nezimangalo abathengi abangazenza mayelana nokusetshenziswa kwe-Royal Decree eshiwo. -Umthetho.
Uma isitholiwe Ophikweni Lwezimangalo, izocutshungulwa bese kuthathwa isinqumo mayelana nokuba semthethweni noma ukungamukeleki kwayo.Uma ingekho emthethweni, ummangali uzokwaziswa ngezizathu zokuphika, kuphele inqubo.
Lapho kufaneleka khona, ummangali uzokwaziswa, abonise inani lembuyiselo, ahlukaniswe futhi abonise inani elihambisana nenzalo. Ummangali kufanele axhumane, phakathi nesikhathi esiphezulu esiyizinsuku eziyi-15, isivumelwano sakhe noma, lapho kufanele, ukuphikisa kwakhe inani.
Uma bevuma, ummangali kufanele aye egatsheni lakhe le-Banco Santander noma elinye igatsha LeBhange, azichaze, aveze isivumelwano sakhe ngokubhala nesiphakamiso esenziwe iBhange, esisayinda ngezansi.
Indlela engenangqondo kodwa elungile yokudlala i-Witcher 3
Sikholelwa ngokuqinile ukuthi iningi "lemibandela ye-threshold" ebonakala ezinkontilekeni zezindlu ezibolekwayo azinabulungiswa futhi amakhasimende asebhange alinyazwa futhi ajeziswe ngenxa yokuntula ulwazi lwezezimali. Kuhle ukuthi abameli abangongoti bakusize ukuze bakwazi ukuxoxisana nebhange egameni lakho, futhi bangamangalela ibhange ukuze likugcinele imali enkokhelweni ngayinye yanyanga zonke, njengoba inzalo oyikhokhayo cishe ingaphezu kwenzalo esemthethweni ebekwe i-European Central Bank .Uma uthintana nefemu yabameli ukuze ufune izindleko zakho zezindlu, uzoba nethuba lokubuyekeza amatayitela akho ukuze uqiniseke ukuthi likhona yini inani elincane lemali yendlu. Uma kunjalo, ungacela iBhangengodla ukuthi likubuyisele imali eliyithathayo ngenxa yaleso sigatshana esihlukumezayo.
Ukutshalwa kwezimali kuzindlu ezithengiswayo uma kuqhathaniswa nezindawo zokuhlala ezithengiswayo
Uma usayine imali ebolekiwe ye-mortgage rate phakathi kuka-2004 no-2012 ne-BBVA, i-Banco Popular, i-Caja Murcia, i-BMN, i-Bankia, i-Caixa Bank, i-Caja Mar, i-Kutxabank noma i-Banco Sabadell, amathuba akho okuba ngomunye walabo abathintwe I-Floor Clause iphakeme impela.
Ithimba lethu labameli abakhethekile lizodlulisela isicelo ebhange egameni lakho ukuze lizame ukuqeda Isigaba Somthetho esihlinzekwe emalini ebolekiwe futhi liphinde libuyisele inzalo oyikhokhe ngokungafanele selokhu wanikezwa imali.
Ungacingi ibinzana elithi "Isigaba Somthetho Saphansi" ngoba amabhange avame ukubhekisela kuso ngaphansi kwamanye amagama njengokuthi "isilinganiso senzalo esincane", "izinga lenzalo eliguquguqukayo", "imikhawulo eguquguqukayo", "ukuhlukahluka kwezinga lenzalo" noma asebenzise imishwana efana nokuthi isilinganiso senzalo okuvunyelwene ngaso singase singabi sikhulu kuno-X% noma sibe ngaphansi kuka-X%», «imikhawulo yokwehliswa kwezinga lenzalo», njll.
Ngingasifuna kuze kube nini iSigatshana Somthetho kanye Nezindleko Zokubolekwa Kwezindlu? Njengoba lezi kuyizo ezaziwa njengezigatshana ezihlukumezayo, ngakho-ke, ziyize futhi ziyize, akukho myalelo kadokotela noma ukuphela kwesikhathi sokusetshenziswa kwezenzo ezihambisanayo.
