Iyini inkundla ethintwa yi-mortgage?

umphakathi

I-Platform Yabantu Abathintwa Izindlu Zokubolekwa (PAH) yinhlangano ezinze e-Spain eyenza izinyathelo eziqondile zokumisa ukukhishwa kanye nemikhankaso yelungelo lezindlu. I-PAH yasungulwa e-Barcelona ngoFebhuwari 2009 futhi ngo-2017 yayinamagatsha endawo angama-220 kulo lonke elaseSpain. Yakhiwe ngenxa yenkinga yezezimali yango-2008 eyabangela ukuqhuma kwebhamuza lezindlu ezithengiswayo zase-Spain futhi yamelana nokukhishwa ezindlini ngenxa yokudliwa.

I-Platform Yabantu Abathintwa I-Mortgages (PAH) yadalwa e-Barcelona ngoFebruwari 2009, izishoshovu ezazibambe iqhaza ku-V Yezindlu. Leli qembu belihlose ukubhikisha lilwe nokudliwa kwezindlu obekuxosha abantu ezindlini zabo. Ihlelwa ngokuvundlile ngomhlangano futhi yakhula ngokuqhubekayo kulo lonke elase-Spain, namaqembu endawo angu-220 abhaliswe ngo-2017[1]. I-PAH ikwazile ukumisa ukuxoshwa okungaphezu kuka-2.000 ngo-2016[1].

Barcelona ngokufanayo

Ngokuyisisekelo inhloso yalokhu kukhishwa bekuwukuqeda ukuthulula lesi sakhiwo, esiphethwe yisikhwama sokutshala imali sakwa-Israel esasithenga eminyakeni embalwa edlule endaweni evakashelwa kakhulu i-Barcelona, ​​​​eduze kwaseSagrada Familia. Futhi lokho lesi sikhwama esifuna ukukwenza yilokho ebesikubona eminyakeni embalwa edlule e-Barcelona, ​​​​okuwukuchitha izakhiwo, ukulungisa okuthile bese siqashisa noma sidayisela abavakashi amafulethi noma kubantu okungenzeka bakhokhe imali ephezulu. irenti kanye/noma ekugcineni uyithenge ngentengo ephezulu - ukuqagela ngendawo ethengiswayo.

I-PAH (I-Platform for People Affected by Mortgages) iyinhlangano esebenzela ilungelo lezindlu. Izinze e-Barcelona, ​​​​kodwa inamaphuzu endawo emadolobheni amaningi namadolobha kulo lonke elaseSpain. Lesi sithombe sikhombisa ukukhishwa ngendluzula okwenzeka muva nje, lapho imindeni emine ebihlala esakhiweni esinezitezi eziningi ezingenalutho yaxoshwa phakathi nalolu bhubhane, kukhona amaphoyisa anolaka: ngehora lesishiyagalombili ekuseni kwafika amaphoyisa amaningi ezowenza. lokhu kukhishwa.

e-barcelona

I-Mortgage Affected Platform iyinhlangano yezenhlalakahle esebenzela ilungelo lezindlu. I-PAH yasungulwa ngo-2009 futhi ihlanganisa ndawonye abantu abathintwa ngokuqondile yizindaba zezindlu nabalingani ezingeni likazwelonke. Phakathi kwezinjongo ezilandelwa yi-PAH wukwakhiwa koMthetho Wezindlu obeka ilungelo lezindlu ngaphezu kwezithakazelo zezezimali zabatshalizimali. E-Spain kube nokwanda okumangazayo kokuxoshwa kwabantu kusukela ngenhlekelele yezimali yango-2008 futhi i-PAH yenza ubushoshovu bokumisa ukukhishwa futhi ikhuthaze ukufinyelela ezindlini zomphakathi ngokumelene nezakhiwo ezingenamuntu.

Iyini inkundla ethintwa yi-mortgage? ku-inthanethi

I-Platform Yabantu Abathintwe I-Mortgages (i-PAH efinyeziwe) yinhlangano kazwelonke. Kuyinhlangano evamile yelungelo lendawo ebalulekile futhi ngokumelene nezikweletu zokuphila kwakho konke lapha eSifundazweni SaseSpain. Le nhlangano yaqala ngo-2009, unyaka ngemva kwenhlekelele yamazwe ngamazwe eyaqala e-United States ngo-2007 yafinyelela eSpain ngokuqhuma kwebhamuza le-subprime mortgage. Ngemva kokusungulwa ngo-2009, i-Platform yanda ngo-2011 lapho kunombhikisho womphakathi owabizwa ngabezindaba ngokuthi "Los Indignados", kodwa owazibiza nge-15M ngoba yazalwa ngoMeyi 15, 2011. I-Platform yanda ngokunyakaza kwe-15M futhi komunye wemikhankaso yakhe ebizwa ngokuthi "Stop Evictions", owawuphikisana nokukhishwa kwabantu ezindlini zabo ababenezikweletu zeminyaka yonke. Lo mkhankaso wenze iPlatform yaduma futhi ngemva kokuxhuma nokunyakaza kohlobo lokuhlangana njenge-15M, i-Platform iphinde yamukela ifomu elisekelwe ekuhlanganiseni kakhulu nelentando yeningi. Ngaphandle kokuba khona kokunyakaza kwe-15M, bekungeke kuthathe leli fomu.