Abaphathi beBiden "banemizwa futhi banemizwa" ne-Ukraine
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.
UNdunankulu uyavuma 'ukukhungatheka' ngokuqubuka kwe-Omicron
Isahlulelo esisha seNkantolo Yezobulungiswa Yemiphakathi YaseYurophu mayelana nezicelo zezindlu zokuhlala. Kunezinto eziningi ezinhle ongazisho ngeSpain, kusukela esimweni sezulu sayo kuya ekudleni kwayo okumnandi kanye nabantu bayo abamukelayo. Ngeshwa, uhlelo lwayo lwamabhange kanye nabaphathi bayo basadinga ukuthuthukiswa. Kule minyaka eyishumi selokhu kwaba nenkinga yezezimali, izinkantolo zaseYurophu bezilokhu zilungisa iSpanishi ezinqumweni zazo mayelana nemikhuba yasebhange yaseSpain. Iningi lazo liye lahlobene nemibandela yokubolekwa kwezindlu okwathi kamuva yabhekwa njengengekho emthethweni. Edume kakhulu isigatshana somthetho waphansi noma isigatshana saphansi, esasungula inzalo encane okufanele ikhokhwe eyayiphakeme kunenkomba yereferensi ye-EURIBOR evamile.
I-Del Canto Chambers ibimatasa kakhulu kula mashumi eminyaka ambalwa edlule iwina amacala kumakhasimende aseSpain nase-UK. Eqinisweni, kubantu abaningi baseBrithani kwakuyinani elengeziwe ukuqasha abameli baseSpain abanolwazi olubanzi lwesistimu yendawo, kodwa ababenesisekelo sokusebenza e-United Kingdom.
Njengoba kubalulekile ukulandela lezi zintuthuko eduze, lapha sizobuyekeza izibuyekezo ezimbili ezibaluleke kakhulu ukuze ababoleki bakwazi ukufaka izicelo kumabhange aseSpain. Kuzoba usizo ikakhulukazi kulabo banikazi bezindlu base-British Spanish abangase bazizwe benqanyuliwe ezindabeni zezwekazi.
Ngoba lapho inkantolo yaseYurophu isigwebo isigatshana umhlaba mortgages? ku-inthanethi
NgoMeyi 2013, iNkantolo Ephakeme yaseSpain yakhipha isinqumo sokuthi ukubolekwa kwemali kwalolu hlobo "kwakuhlukumeza", kodwa amabhange awazange ayalwe ukuthi akhokhele amakhasimende. Ngo-Ephreli 2016, ijaji laseMadrid laqhubekela phambili, lakhipha isinqumo sokuthi ababolekisi abangu-40 abakhulu baseSpain kufanele babuyisele ababoleki inzalo eyengeziwe ekhokhelwe emalini ebolekiwe kusukela ngo-2013.
Iningi lemali ebolekiwe yezilinganiso eziguquguqukayo ixhunywe kuzilinganiso zenzalo zaseYurophu (EURIBOR). Isigaba somthetho esiphansi noma Isigaba somthetho siyisigatshana esibeka isilinganiso senzalo esincane emalini eboshiwe enesilinganiso esishintshayo, esimisa umkhawulo ekwehleni kwenani. Ngakho-ke, noma izinga lenzalo yereferensi liwa, isigatshana sisebenza njengomkhawulo noma iphansi. Ngokuvamile, lo mkhawulo ungaba phakathi kuka-2,5% no-4,5% lapho i-EURIBOR yehle kakhulu.
Ngemuva kwenhlekelele yezimali, amanani enzalo yereferensi yaseYurophu ehlile futhi ahlala esezingeni eliphansi elingokomlando, okusho ukuthi empeleni abathengi bezindlu eziboshiwe zaseSpain ezinesigaba somthetho semali mboleko yabo abazuzanga ngokugcwele endaweni yezinga lenzalo emazingeni enzalo aphansi kakhulu eminyakeni yamuva nje futhi bagcine bekhokhe izinkulungwane zama-euro ngenzalo kunaleyo obekufanele.
Ngoba lapho inkantolo yaseYurophu isigwebo isigatshana umhlaba mortgages? 2022
Sikholelwa ngokuqinile ukuthi iningi "lemibandela ye-threshold" ebonakala ezinkontilekeni zezindlu ezibolekwayo azinabulungiswa futhi amakhasimende asebhange alinyazwa futhi ajeziswe ngenxa yokuntula ulwazi lwezezimali. Kuhle ukuthi uthole abameli abangongoti bakusize ukuze bakwazi ukuxoxisana nebhange egameni lakho, futhi bangamangalela ibhange ukuze likugcinele imali yesitolimende ngasinye sanyanga zonke, njengoba inzalo oyikhokhayo cishe ingaphezu kwenzalo esemthethweni emisiwe. yi-Central Bank.European Uma uthintana nefemu yabameli ukuze ufune izindleko zakho ze-mortgage, uzoba nethuba lokubuyekeza amatayitela akho ukuze uqiniseke ukuthi likhona yini inani elincane lemali yendlu. Uma kunjalo, ungacela iBhangengodla ukuthi likubuyisele imali eliyithathayo ngenxa yaleso sigaba somthetho esihlukumezayo.
