I-Mortgage eSpain ukuze uthenge ikhaya - Umhlahlandlela osheshayo!
Abantu abaningi ngokwengeziwe bayaqaphela ukuthi banesigaba somthetho esiphansi ezindlini zabo futhi banquma ukusifuna ebhange labo. Lesi sinqumo sasebenza ngokukhethekile kusukela ngo-December odlule iNkantolo Yezobulungiswa Ye-European Union (CJEU) yakhipha isinqumo esasithi amanani aqoqwe ezivumelwaneni zezindlu zokuthenga izindlu kusukela ngo-2009, lapho lezi zigaba ziqala ukufakwa, kufanele zibuyiswe.
Njengoba iningi lemali ebolekiwe yaseSpain ihambisana ne-Euribor -izinga eliguquguqukayo-, amabhange anqume ukufaka isigatshana somthetho esizowavumela ukuthi angehli inzalo engaphansi kwenani elincane, nakuba i-Euribor okubhekiselwe kuyo imali yokubambisa yenza .
Ukubonana nesibali sesigatshana esiphansi kuyisinyathelo esibalulekile sokugwema izinkinga lapho ubiza isigatshana esiphansi ebhange. Ivumela ukwazi kusengaphambili inani elingafunwa ebhizinisini.
Kukhona ithuba lokuyibala nge-calculator yesigatshana esiphansi seNhlangano Yabathengi Nabasebenzisi (OCU), lapho inani lingachazwa ngokufaka idatha ethile: imali yokuqala, usuku lokusayinwa kwenkontileka ye-mortgage, umehluko osebenzayo. noma izinga lenzalo yokuqala, phakathi kokunye.
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Izinqumo zakamuva zeNkantolo Ephakeme YaseYurophu naseSpain zenze kwaba nokwenzeka ukuphoqa amabhange ukuthi achithe "isigatshana esingaphansi" semali ebolekiwe, futhi asebenzise inani lenzalo okuvunyelenwe ngalo esivumelwaneni semali mboleko.
Lokhu akusho nje ukwesulwa kwalelo "zinga lenzalo eliphansi" (okwakukhawula ukuthi izinga lenzalo lingehla lingakanani) kanye nokusetshenziswa kwesilinganiso sokuqala okuvunyelwene ngaso (ngokwehliswa okuhambisanayo kwezitolimende zanyanga zonke), kodwa futhi nethuba lokubuyisela konke. amanani akhokhelwe ngokwedlulele ngokusetshenziswa kwesigaba somthetho. Kwezinye izimo, yinani elikhulu lemali.
Ngakho, amanye amabhange ayakwamukela ukuchithwa kwesigatshana esingaphansi kanye nokubuyiselwa okuphelele kwayo yonke inzalo eqoqwe ngokwedlulele phakathi nesikhathi esiphezulu esiyizinyanga ezintathu kusukela ngesikhathi iklayenti lithumela isicelo esihambisanayo.
Ingabe kufanele uyeke isimo esiphuthumayo se-appraisal?
Umshwana waphansi umbandela ohlanganisa noma esikhundleni salokho ohlanganisa ingxenye enkulu yesistimu yasebhange yaseSpain ezinkontilekeni zenani eliguquguqukayo lemali yezindlu. Lapho lezi zixhunyaniswa nenkomba yereferensi yaseYurophu, i-Euribor, noma kwezinye izinkomba ezingabalulekile kangako. Ukufakwa kwayo kubophezele ikhasimende ukuthi likhokhe isilinganiso esincane noma inzalo, kungakhathaliseki ukuthi imakethe ithuthuke kangakanani. Ngamanye amazwi, akakwazanga ukuzuza ekusebenzeni okuhle kakhulu kwalezi zimpahla zezezimali. Njengoba kwenzeka eminyakeni yamuva, lapho ikakhulukazi i-Euribor isendaweni engalungile, iveza umehluko - 0,161%.
Ngokusekelwe kulesi simo esivamile, isinqumo seNkantolo Ephakeme sangomhla ziyisi-9 kuNhlaba, 2013 simemezele ukuthi isigatshana esiphansi sasiyize futhi saphoqelela izinhlangano zamabhange ukuthi zibuyisele izinkokhelo ezingaphezu kwalokho kusukela ngedethi yesinqumo. Ngakolunye uhlangothi, ngesigwebo saseYurophu kwavela isamba sokubuyiselwa emuva okwaphoqa izinhlangano zezikweletu ukuthi zibuyisele amanani akhokhelwe ngokwedlulele kusukela ekuqaleni ekungeneni kwenkontileka yemali mboleko.
Enye yezinjongo zakho njengomsebenzisi webhange ukukhomba ukuthi imali mboleko osanda kuyenza ibandakanya isigatshana esiphansi. Ikakhulukazi uma ungase ube nomthelela noma ulungise lesi sigameko njengoba sizokwenza ukuthi ukhokhe ama-euro amaningi kunalokho obekucatshangwa ekuqaleni. Futhi, qasha izinsizakalo zobungcweti zefemu yabameli. Ngamafuphi, kunezimpawu eziningi ezingakunikeza ukuthi wazi uma ngempela ubhekene nesikweletu semali mboleko yalezi zici.
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Isigaba somthetho siwumgomo osungulwe ezikweletini ze-mortgage rate ezikhawulela ukuhlukahluka kwenani lenzalo okuvunyelwene ngayo. Isibonelo, uma unemali mboleko yezinga lenzalo eguquguqukayo esekelwe ku-EURIBOR kanye no-1% futhi ibhange lisebenzisa umbandela obeka inani elincane lenzalo okufanele likhokhwe nguwe ku-3%. Namuhla, i-EURIBOR ingaphansi kuka-0%, ngakho-ke kufanele ukhokhe u-1% emalini ebolekiwe, kodwa ngenxa yomkhawulo obekwe esigatshaneni esiphansi, inani elincane ozolikhokha lizoba ngu-3%, okubonakala kungenabulungisa nhlobo, akunjalo?IQINISO?
Iningi lemali mboleko yezindlu eSpain yimalimboleko eguquguqukayo ye-mortgage. Futhi iningi lalezi zimali mboleko lisuselwa esilinganisweni se-EURIBOR. Futhi iningi lalezi zimali mboleko zenziwa ku-real estate boom eyagcina iqhume ngo-2008.
Uma i-Floor Clause ihlukumeza, lokhu angeke kuthinte umthengi nganoma iyiphi indlela. Lokhu kusho ukuthi imali ebolekiwe izosebenza sengathi isigatshana esiphansi asizange sisetshenziswe kusukela ekuqaleni. Kusho ukuthi isigatshana esingaphansi asikaze sibe khona ngoba asisebenzi kusukela ngosuku lokuqala.
