Banco Santander abokan ciniki na iya samun kari na har zuwa maki 100 na asali a cikin kuɗin sha'awa na shekara shekara ya danganta da kayayyakin kuɗi da aiyukan da suke kwangila kowace shekara. Daga cikin yuwuwar kyaututtukan, an haɗa raguwa idan gidan da ake tallafawa yana da ƙimar makamashi mai ɗorewa. Santander ya ƙaddamar da sabon samfurin tsarin sassauci a kasuwa don keɓaɓɓen jinginar gidaje (tsayayyen, mai canzawa, ba mazauna ba) wanda ke ba abokin ciniki damar cin gajiyar, a duk tsawon rayuwar jinginar, daga ragi akan ƙimar riba dangane da samfuran ko sabis ɗin da kuke zabi yin haya
Tare da wannan tayin da aka sabunta, abokin harka na iya yanke shawara kowace shekara waɗanne kaya ne zai yi kwangila tare da su kuma ya canza su yadda ya dace, gwargwadon tsarin rayuwarsu da tsarin kuɗi. Ta wannan hanyar, abokin harka na iya samun wannan zangon jinginar ba tare da wani samfurin da ke haɗe shi ba, amma zai sami fa'ida daga abubuwan har zuwa maki 100 a kan ƙimar fa'ida ta ɗan takara (tayin na yanzu tare da ɓangarorin da aka yi amfani da su daga Euribor + 0,99% a farashin canji da 1,90% TIN a ƙayyadadden ƙayyadadden), suna cika matsakaicin yanayin kari bisa layin da aka haɗe.
Tun farkon shekara, mahaɗan suna ɗaukar duk kuɗin da aikin jingina ya ƙunsa: da rajista da notary kudade, bayanin kula mai sauki, kima (lokacin da kungiyar ta nemi hakan), kudaden gudanarwa da haraji akan ayyukan doka (IAJD). A cikin wasu yan 'yan lokuta, inda cibiyoyin hada-hadar kudi suka zabi kwamitocin da sauran kudaden gudanarwar su da kulawar su fada kan masu neman wannan kayan domin siyan gida.
Bayar don gidaje masu ɗorewa
Idan, ƙari, gidan jingina yana da energyimar makamashi A ko A + ko kuma ana ɗaukar sa a matsayin ɗorewar ɗorewa, bisa ga takaddun shaida masu dacewa waɗanda ƙwararrun kamfanoni ke bayarwa a cikin ɓangaren, za su sami lada na maki 10 kan asalin kuɗin jinginar. Don haka mahaɗan ke ƙarfafa sadaukarwarta don ƙarfafa ƙarfin makamashi da daidaita samfuran kuɗi zuwa alƙawarin da aka samu azaman banki mai alhakin, wanda ke la'akari da zamantakewar jama'a da muhalli yayin yanke shawarar kuɗi.
Wannan sabon abu ne ga masu da'awar wannan rukunin samfurin tunda ƙari da ƙari yana tasiri a cikin ƙimar makamashi a lokacin kwangilar lamunin lamuni. Tare da munanan fa'idodi akan samfuran masu ra'ayin mazan jiya ko na al'ada. Inda abokin ciniki zai iya samun wasu nau'ikan fa'idodi waɗanda ke faruwa a wasu mafi araha kudade kowane wata zuwa ga bukatun ku tare da adana fewan kashi goma na kashi dangane da ƙimar ku ta farko. Don haka ta wannan hanyar, zasu iya adana aan kuɗi kaɗan a kowane ɗayan ayyukan da aka sanya hannu.
Lamuni ya karu da kashi 0,7%
Adadin jinginar da aka yi akan gidaje ya kai 29.032, kasa da 0,1% a watan Afrilun 2018. Matsakaicin adadin kuɗi euro 124.655, tare da karuwar 0,7%, bisa ga sabon bayanan da Cibiyar ofididdiga ta (asa (INE) ta bayar. Inda aka nuna cewa matsakaicin adadin jinginar da aka yiwa rijista a cikin watan Afrilu (daga ayyukan jama'a da aka gudanar a baya) ya kai euro 142.440, ya karu da 1,8% fiye da daidai wannan watan na 2018. A ɗaya hannun, ƙimar na jinginar da aka yi kan kadarorin biranen sun kai euro miliyan 5.325,6, kasa da kashi 2,6% a watan Afrilu na 2018. A cikin gidaje, babban birnin da aka ba da rancen ya kai miliyan 3.619,0, tare da haɓaka shekara-shekara 0,6%.
Duk da yake a daya bangaren, bayanan da Cibiyar kididdiga ta kasa ta bayar sun nuna cewa don lamunin da aka yi a kan yawan kadarorin a watan Afrilu, matsakaicin kudin ruwa a farkon shi ne 2,51% (5,1% kasa da na Afrilu 2018) kuma matsakaicin lokacin shekaru 23. 58,7% na jinginar suna kan canji mai fa'ida da kuma 41,3% a kan tsayayyen kuɗi. Matsakaicin kuɗin ruwa a farkon shine 2,23% don jinginar musayar mai canji (6,4% ƙasa da na Afrilu 2018) da 3,07% don jinginar kuɗin da aka ƙayyade (4,8% ƙasa da ƙasa).
Biyan kuɗi tare da canje-canje rajista?
Don jinginar gida, matsakaicin kuɗin ruwa shine 2,59% (2,9% ƙasa da na Afrilu 2018) kuma matsakaita lokacin shine shekaru 24. 56,8% na jinginar gida suna kan canji mai canji kuma 43,2% a ƙayyadadden ƙimar. Mortididdigar jinginar gidaje sun sami karuwar darajar shekara ta 6,7%. Matsakaicin kuɗin ruwa a farkon shine 2,30% don yawan jinginar gida mai canzawa (tare da raguwar 5,1%) kuma 3,09% don tsayayyen kudi (1,8% ƙasa)
Adadin jinginar gidaje tare da canje-canje a cikin yanayin su da aka yi rajista a cikin rijistar kadarori ya kai 4.814, 20,9% ƙasa da na Afrilu 2018. Dangane da nau'in canji a cikin yanayin, a cikin Afrilu 3.932 ne suka faru (ko gyare-gyare da aka samar tare da ma'anar kuɗaɗe ɗaya), tare da raguwar shekara 19,3%. A gefe guda kuma, yawan ayyukan da suke canza mahalu (i (subrogations zuwa mai bin su) ya ragu da 27,8% kuma adadin jinginar da wanda ya mallaki kadarar ya canza (subrogations zuwa debtor) ya ragu da 25,3%.
Trend a kasuwar ƙasa
Dangane da sakamakon da al'ummomi masu zaman kansu suka bayar, bayanan da Cibiyar Kididdiga ta Kasa ta bayar ya nuna cewa al'ummomin da suke da mafi yawan jinginar gidaje da aka gina a cikin watan Afrilu Andalusia (6.065), Communityungiyar Madrid (5.380) da Catalonia (4.636). Communitiesungiyoyin da aka ba da rancen kuɗi mafi yawa don kundin tsarin lamuni na gidaje su ne Comunidad de Madrid (Yuro miliyan 963,0), Andalusia (miliyan 676,2) da Catalonia (miliyan 657,0).
Yayin da a gefe guda, al'ummomin da ke gabatar da ƙimar bambancin shekara-shekara A cikin babban rancen su ne Comunidad Foral de Navarra (59,4%), Andalucía (26,8%) da Aragón (26,0%). A wata hanyar kuma, ya kamata a sani cewa al'ummomin da suke da mafi girman adadin shekara-shekara a yawan jinginar gidaje a kan su ne Comunidad Foral de Navarra (47,4%), Andalucía (16,7%) da La Rioja (15,1, 25,8%). A gefe guda, theungiyoyi masu zaman kansu tare da ƙarancin bambancin shekara-shekara sune Región de Murcia (-22,4%), Illes Balears (–10,3%) da Comunidad de Madrid (-XNUMX%).
Matsakaicin kudin ruwa
Don jinginar gida, matsakaicin kuɗin ruwa shine 2,59% (2,9% ƙasa da na Afrilu 2018) kuma matsakaita lokacin shine shekaru 24. 56,8% na jinginar gida suna kan canji mai canji kuma 43,2% a ƙayyadadden ƙimar. Kafaffen lamuni samun karuwar 6,7% a cikin shekara shekara. Matsakaicin kuɗin ruwa a farkon shine 2,30% don jinginar akan gidaje masu hawa kan ruwa (tare da raguwar 5,1%) da 3,09% don jinginar kuɗi mai tsayayyen (1,8% ƙasa) dangane da bayanan da Cibiyar ofididdiga ta inasa ta wannan lokacin.
A kowane yanayi, akwai ci gaba da raguwa a cikin mafi yawan abubuwan da aka keɓe don ba da rancen Turai, da Euribor, wanda ke haifar da ƙaramin ƙaruwa a kowane wata na lamunin lamuni. Tun shekara guda da ta gabata ya kasance a ƙananan tarihi kuma hakan ya haifar da sha'awar kwangilar wannan samfurin bankin ya zama ƙasa da kowane lokaci. Ko da tare da shimfidawa ƙasa da 1% tsakanin yawancin tayin da bankunan suka haɓaka. A mafi yawan lokuta, tare da keɓantar kwamitocin da sauran kashe kuɗaɗen gudanarwa da kulawa.
Savingsarin tanadi a kan rancen bada tallafi
Ofaya daga cikin hanyoyin da za a adana kuɗi a cikin tsari na wannan samfurin bankin yana kasancewa a cikin gaskiyar zaɓin samfurorin tallafi. A takaice dai, yayin da ake ba da kwangilar samfuran tare da mahaɗan, mafi kyawun ribar da za a iya samu daga aikin. Tare da kwangilar samfuran kamar su kuɗin saka hannun jari, inshora, tsare-tsaren tanadi ko ajiyayyun lokacin ajiya. Tare da ragin kudaden ruwa wanda zai iya bambanta tsakanin 0,10% da 1,50% a cikin mafi kyawun al'amuran. Hakanan akwai kyaututtuka ga sababbin abokan ciniki waɗanda ke ba da izinin kwangilar jingina tare da ƙimar riba mai fa'ida.
Duk da yake a ɗaya hannun, yana da mahimmanci a lura cewa kasuwar jingina ta yanzu tana neman haɓaka ƙayyadaddun ƙididdiga don cutar da canjin canji. Idan aka ba da haƙiƙanin hauhawar farashin cikin yankin Euro. Don haka ta wannan hanyar babu wani abin mamaki yayin tsawon kwangilar. Domin kowane wata zaka rinka biyan irinsu, komai abinda ya faru a kasuwannin hada-hadar kudi. Bayar da kwanciyar hankali mafi girma ga mutanen da suka zaɓi irin wannan kuɗin lokacin siyan gidansu.
Ofaya daga cikin hanyoyin da za a adana kuɗi a cikin tsari na wannan samfurin bankin yana kasancewa a cikin gaskiyar zaɓin samfurorin tallafi. A takaice dai, yayin da ake ba da kwangilar samfuran tare da mahaɗan, mafi kyawun ribar da za a iya samu daga aikin. Tare da kwangilar samfuran kamar su kuɗin saka hannun jari, inshora, tsare-tsaren tanadi ko ajiyayyun lokacin ajiya. Tare da ragin kudaden ruwa wanda zai iya bambanta tsakanin 0,10% da 1,50% a cikin mafi kyawun al'amuran. Hakanan akwai kyaututtuka ga sababbin abokan ciniki waɗanda ke ba da izinin kwangilar jingina tare da ƙimar riba mai fa'ida. A mafi yawan lokuta, tare da keɓantar kwamitocin