Ungawabheka kanjani amadokhumenti omthetho ngaphambi kokuthenga indawo?
Nginesiqiniseko sokuthi nizwile nonke "ngezigatshana zaphansi" eziqukethwe kuzinkontileka zezindlu zaseSpain. Kodwa-ke, njengoba ngiqinisekile ukuthi uzwile, ngiyaqiniseka ukuthi awukacaci ngokuphelele ukuthi bayini noma bahlanganisani. Lokhu kudideka, osekuvele kukhona emphakathini waseSpain futhi ngisho nangaphezulu kwamanye amazwe, kungenxa yesamba esikhulu solwazi oluphikisanayo, futhi ngezinye izikhathi olungamanga ngokuqondile, olusakazwa abezindaba. Nakuba kufanele ngivume ukuthi inkambo emazombezombe eye yathathwa yimithetho yaseSpain ayikusizi lokhu.
"Isigaba somthetho" siyisigatshana senkontileka ye-mortgage esungula ubuncane bezinkokhelo ze-mortgage, kungakhathaliseki ukuthi inzalo evamile okuvunyelwene ngayo nesikhungo sezezimali ingaphansi kwalelo nani eliphansi.
Iningi lemali mboleko enikezwa e-Spain lisebenzisa inani lenzalo elibekwe ngokusekelwe esilinganisweni sereferensi, ngokuvamile i-Euribor, nakuba zikhona ezinye, kanye nomehluko ohluka ngokuya ngesikhungo sezezimali okukhulunywa ngaso.
Okufanele ukwazi ngegebe lokulinganisa
Ezikweletini eziningi zaseSpain, izinga lenzalo okufanele likhokhelwe libalwa ngokubhekisela ku-EURIBOR noma i-IRPH. Uma leli zinga lenzalo likhuphuka, khona-ke inzalo yemali mboleko nayo iyanda, ngokufanayo, uma iyancipha, khona-ke inkokhelo yenzalo izokwehla. Lokhu kwaziwa nangokuthi "imali ebolekiwe yezinga eliguquguqukayo", njengoba inzalo ezokhokhwa kwi-mortgage ihluka kuye nge-EURIBOR noma i-IRPH.
Nokho, ukufakwa Kwesigatshana Esiphansi esivumelwaneni se-mortgage kusho ukuthi abanikazi bezindlu ezibolekiwe abazuzi ngokugcwele ekwehleni kwezinga lenzalo, njengoba kuzoba nenani elincane lenzalo okufanele likhokhwe emalini ebolekiwe. Izinga lesigatshana esincane lizoncika ebhange elinikeza imali yokuthenga indlu kanye nosuku eyatholwa ngalo inkontileka, kodwa kuvamile ukuthi amanani amancane abe phakathi kuka-3,00 no-4,00%.
Lokhu kusho ukuthi uma unesilinganiso semali ebolekiwe nge-EURIBOR kanye nephansi elibekwe ku-4%, lapho i-EURIBOR iwela ngaphansi kuka-4%, ugcina usukhokha inzalo engu-4% emalini yakho ebolekiwe. Njengoba i-EURIBOR njengamanje inegethivu, ku--0,15%, ukhokha inzalo engaphezu kwesamba semalimboleko yakho ngomehluko phakathi kwenani eliphansi kanye ne-EURIBOR yamanje. Ngokuhamba kwesikhathi, lokhu kungamela izinkulungwane zama-euro engeziwe ezinkokhelweni zenzalo.
Ingabe kufanele uyeke isimo esiphuthumayo se-appraisal?
Isigaba somthetho, esivame ukwethulwa esivumelwaneni sezezimali ngokuhlobene nomkhawulo omkhulu noma inani elincane lenzalo, libhekisela esimweni esithile esivame ukufakwa ezinkontileka zezimali, ikakhulukazi emalimboleko.
Njengoba imalimboleko kungavunyelwana ngayo ngesisekelo senani lenzalo elingaguquki noma eliguquguqukayo, imalimboleko okuvunyelwane ngayo nezilinganiso eziguquguqukayo ngokuvamile ixhunyaniswa nenani lenzalo elisemthethweni (e-United Kingdom LIBOR, eSpain EURIBOR) kanye nenani elengeziwe (elaziwa ngokuthi ukusabalala. noma imajini).
Njengoba izinhlangothi zizofuna ukuba nesiqiniseko mayelana namanani akhokhelwe futhi atholiwe uma kwenzeka ukunyakaza okubukhali nokuzumayo kubhentshimakhi, angakwazi, futhi ngokuvamile avumelane ngesistimu lapho eqiniseka khona ukuthi izinkokhelo ngeke zibe phansi kakhulu. .
Kodwa-ke, eSpain, cishe iminyaka eyishumi, uhlelo lwangempela lonakaliswe kangangokuthi kuye kwadingeka ukuthi iNkantolo Ephakeme yaseSpain ikhiphe isinqumo sokuvikela abathengi / ababolekisi ekuxhashazweni okungapheli amabhange abakwenzayo. .
Ibhange laseSpain libuyela ku-"Floor Clause" i-"Floor Clause"
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 endaweni yokusetshenziswa 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.
