Yini okufanele uyibheke esitifiketini sesimo sendawo evundlile?
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 ezinkontileka zezindlu kusukela ngo-2009, lapho lezi zigaba ziqala ukufakwa, kwakufanele 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.
Izindleko zokushintsha vs. Inani langempela
Uma ufuna ukufuna "isigatshana sakho saphansi", i-FreeClaim ingakusiza. Abameli bethu bangasiza ekuqedeni imibandela yaphansi efakwe ezinkontilekeni zezindlu noma zemboleko. Izigaba zomshwana ezishiwo zizobhekwa njengeziyize futhi ibhange kuyodingeka libuyisele amanani angafanele aqoqwe ngokusetshenziswa kwalesi sigatshana.
Okubizwa ngokuthi "izigatshana zaphansi" zivimbela izinga lenzalo ukuthi lingabi ngaphansi kwereferensi encane encane, ngisho noma i-Euribor (noma enye inkomba yebhange) ingaphansi kwayo. Njengamanje, i-Euribor iphansi kakhulu, ngakho-ke uma i-mortgage yakho inalolu hlobo lwezigatshana ezihlukumezayo, ungase ungazuzi ekwehleni kwenkomba.
Ukuze uthole ukuthi ingabe inkontileka yakho ye-mortgage ihlanganisa nesigatshana somthetho, kufanele ubuyekeze itayitela lomphakathi lemalimboleko yakho. Uma ithi noma yikuphi izinga lenzalo lingaba ngaphansi kwephesenti elinqunyiwe, kuyisigatshana somthetho.
Ukwengeza, ungakwazi ukuqala isimangalo emshwaneni ophansi uma izinga lenzalo elivela esitatimendeni sakho sasebhange sokugcina lingalingani ne-Euribor (noma izinga lebhange lakho elithile) kanye nesilinganiso esihlukile ovumelene ngaso nebhange.
Ingabe kufanele uyeke isimo esiphuthumayo se-appraisal?
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 ingaphezulu kwaleyo esemthethweni ebekwe ngu. I-European Central Bank Uma uthintana nefemu yabameli ukuze ufune izindleko zakho zokubolekwa kwezindlu, uyoba nethuba lokubuyekeza amatayitela akho ukuze uqiniseke ukuthi kunesilinganiso esincane semali yendlu. Uma kunjalo, ungacela iBhangengodla ukuthi likubuyisele imali eliyithathayo ngenxa yaleso sigaba somthetho esihlukumezayo.
Kungani irenti ikhuphuka | Ukuthenga indlu eHuntsville
"U-Erardo ubelokhu emangalisa - ukusisiza ngezincwadi zefa zaseSpain, ukuthengwa kwezakhiwo nezintela zasendaweni. Singamtusa kakhulu njengoba ekhathalela ngobuqotho futhi uzibophezele ekunikezeni isevisi eyikhwalithi nethembekile. Usiqondise igxathu negxathu futhi ube yisibonelo.
“Ngithole u-Álvaro esebenza kahle kakhulu futhi esebenza kahle. Wayehlale ekhuluma nami ngisho nangesikhathi sakhe somuntu siqu. Wangenza ngazizwa ngikhululekile futhi ngiqiniseka ngokuthi inkinga yami izoxazululeka. Ngimbonga kakhulu, uyilokho okungachazwa njengesibonelo esihle kakhulu sommeli» U-Hanif Robbani (Mashi 17, 2022)
UFrancisco ungummeli onolwazi osemelele izikhulumi zesiNgisi eSpain cishe iminyaka engama-30. Ugxile kakhulu emthethweni womphakathi (umndeni, ifa, izinkontileka, izimangalo, izimangalo zomshwalense kanye nezicelo zezakhiwo), umthetho wezohwebo (ukwakhiwa kwenkampani) kanye nomthetho wezabasebenzi.
U-Angela unesipiliyoni seminyaka engaphezu kwengu-20 njengommeli osebenzayo eSpain. Uye wasiza amakhasimende akhuluma isiNgisi kuwo wonke umsebenzi wakhe wokuthengisa izindlu, umthetho webhizinisi, ukuthuthela kwelinye izwe, nasezindaweni ezivame ukuba nomthelela empilweni yabantu bangaphandle, njengomthetho womndeni kanye nezindaba zamafa. .
