Uphenyo lukaFannie Mae: Ukungalungi kwe-accounting ku
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.
IMISHO ELILULA, IPHELELE KANYE NEYINKINGA – Uhlelo lolimi
Indlela yokufaka isicelo somshwana wesiteziIsigaba somthetho saphansi ngokungangabazeki singeminye yemigomo yasebhange eyaziwa kakhulu namuhla, futhi asiyona into encane, kodwa ingabe siyazi ngempela ukuthi iyini? Ingabe kulula ukwazi ukuthi i-mortgage yethu iqukethe lolu hlobo lwesigatshana? Singafuna kanjani ukubuyiselwa imali esikukhokhe ngokweqile ngalesi sikhathi? Okulandelayo, sizozama ukuxazulula konke lokhu kungabaza.
Ake siqale sichaze ukuthi yini isigatshana esingaphansi, okuyisona esibeka inzalo encane emalini ebolekiwe, okungukuthi, kufanele sikhokhe leyo mali encane, ngisho noma inkomba exhunywe kuyo iphansi kakhulu. Nokho, okuphambene akwenzeki njengoba ungekho umkhawulo ophezulu uma inkomba ngokwayo ikhula ngokuphawulekayo.
Umzila ongekho emthethweni uhlanganisa ukubiza inani lemali ibhange elisikweleta lona, ukufinyelela esivumelwaneni nokuqeda ukungqubuzana. Nokho, nakuba lesi sixazululo sibonakala sinengqondo kakhulu futhi sinengqondo, cishe asilokothi senziwe ngempumelelo njengoba amabhange evamisile ukubuyisela imali ngaphandle uma kunomusho oshoyo.
Futhi ngakolunye uhlangothi, indlela yokwahlulela, enzima kakhulu futhi eyinkimbinkimbi kakhulu kumuntu, kodwa ebika iphesenti eliphezulu kakhulu lempumelelo kusukela, ngemva kwezinqumo ezimbalwa zeNkantolo yaseMercantile futhi, ngaphezu kwakho konke, isahlulelo seNkantolo Ephakeme. ka-May 9, 2013 (eyamemezela izigatshana eziyisisekelo njengezingasebenzi), izigwebo zivuna kakhulu.
13 | isici esigcwele | I-Netflix
Ungathola isigatshana esingaphansi (u-Clausula Suelo) etayitela lakho lesibambiso. NgeSpanishi, lo mbhalo ubizwa ngokuthi “Itayitela Lokubolekwa Kwezindlu”. Idokhumenti yasayinwa phambi kommeli womphakathi ngesikhathi esifanayo indlu ithengwa.
Uma itayitela lemali yezindlu selisayinwe ngaphambi kommeli, ibhange liyisa ebhukwini lokubhalisa impahla ukuze liyibhalise. Uma itayitela lemali yezindlu selibhalisiwe, ibhange liyalithola futhi kufanele lilandwe yiklayenti noma ummeli walo.
Ungathola uhlu lwezinkokhelo ezenziwe kusukela usayine imali yokuthenga indlu kusizindalwazi sebhange noma egatsheni lapho unesibambiso. Uma izinga lenzalo lehlile futhi i-mortgage yakho yehlile, cishe unesigaba somthetho se-mortgage floor.
Kufanele uhambise ifomu ebhange lakho kanye nekhophi yetayitela lesikweletu sendlu kanye nerisidi yakamuva eqinisekisa inkokhelo yenyanga yonke yendlu yakho. Ngaphezu kwalokho, ungahambisa isilinganiso sezinkokhelo ezingaphezulu. Ibhange akudingekile ukuthi likuphendule, kodwa ngokuvamile liphendula amakhasimende alo ngokugunyaza noma ukwenqaba isimangalo. Uma ibhange lingasikhanseli isigatshana sakho semali ebolekiwe bese libuyisela imali oyikhokhe ngokwedlulele, kufanele uqale ukufaka isicelo sokunxeshezelwa.
I-Minnesota House of Representatives iphasisa umsebenzi ojwayelekile kanye nomthetho webhizinisi
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 libeka isimiso esibeka inani elincane lenzalo okufanele likhokhelwe nguwe libe ngu-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.
