Ta yaya zan sani idan ina da zancen bene?

Yawancin lokaci

Yankin shimfidar ƙasa shine yanayin da ya haɗa ko a'a ya haɗa da kyakkyawan ɓangare na tsarin banki na Mutanen Espanya a cikin kwangilar jinginar jinginar gida m kudi. Inda aka danganta waɗannan zuwa alamar Turai, Euribor, ko zuwa wasu ƙididdigar da ba ta dace ba. Hada ta ya bukaci abokin harka ya biya a mafi ƙarancin kuɗi ko fa'ida, da kansa na ci gaban kasuwa. A takaice dai, ba za ku iya cin gajiyar kyakkyawan aikin waɗannan kaddarorin kuɗin ba. Kamar yadda yake faruwa a cikin recentan shekarun nan, inda musamman Euribor ke cikin yankin mara kyau, yana gabatar da bambancin - 0,161%.

Ta wannan hanyar, idan da a ce ka sanya hannu a jinginar waɗannan halaye, za ka biya ƙarin riba fiye da yadda ya kamata. Kodayake bisa doka, kodayake tare abubuwan cin mutunci kamar yadda hukumomin shari'ar Spain suka gane. Ba abin mamaki bane, babban tasirin sa shine cewa zaku biya mafi girman kuɗin wata fiye da yadda yakamata idan jinginar ta daidaita da yanayin kasuwannin kuɗi. Sabili da haka, magana ce mai cutarwa sosai don amfanin ku a matsayin mai amfani da banki.

Daga wannan yanayin, hukuncin da Kotun Koli ta yanke a ranar 9 ga Mayu, 2013 ta bayyana sashin ƙasa mara amfani kuma ya tilasta wa bankunan su dawo da wanda aka biya daga ranar hukuncin. A gefe guda, tare da hukuncin Turai ya dawo da cikakken aiki wanda ya tilasta cibiyoyin bashi su dawo da adadin da aka biya fiye da farkon daga kwangilar lamunin.

Yaya za a gano wannan magana?

Ofaya daga cikin aiyukanku a matsayin mai amfani da banki wanda kuka kasance shine gano idan jinginar da kuka ƙulla kwangila ta ƙunshi Sashin ƙasa. Musamman idan har zaku iya yin tasiri ko gyara wannan lamarin tunda hakan zai sa ku biya ƙarin kudin Tarayyar Turai fiye da yadda ake tsammani. Hakanan, don neman sabis na ƙwararrun lauya. Da kyau, akwai sigina da yawa waɗanda zasu iya ba ku damar sanin idan da gaske kuna fuskantar lamunin lamuni na waɗannan halayen.

Ofayan sanannen abu shine wanda aka samo shi ta hanyar karɓar banki. Domin zaka iya kallon manufar "irin sha'awa" wannan ya shafe ku daga wannan mahaɗan. Saboda a zahiri, idan ya wuce ƙimar Euribor tare da banbanci, zai zama tabbatacciyar alamar cewa kuna fuskantar jingina wanda da gaske yana da sashin ƙasa.

Duba tare da cibiyar kuɗaɗen ku

bankuna

Tabbas wani zaɓi shine tambayi banki kai tsaye inda kuka sanya rajistar wannan samfurin banki. Ba a banza ba, suna da alhakin tabbatarwa idan kuna da sashin ƙasa kuma su bayyana muku, idan kuna da ɗaya, menene sharuɗɗan wannan rukunin kuɗin.

A gefe guda, wani yanayi mai saurin faruwa na iya faruwa tsakanin masu amfani da wannan rukunin samfuran don samar da kuɗin gida. Ba wani bane face cewa ba ku da shi ko kuma ba za ku sami kwangilar rancen lamuni ba. Da kyau, a cikin wannan yanayin, ba za ku sami wata mafita ba face ku gurfanar da shi. ta hanyar notary inda kuka yi wannan aikin. watau kwangilar da kuka sanya hannu. A cikin wannan takaddar za ku gano idan jinginar da kuka sanya hannu ta haƙiƙa ta haɗa wannan yanayin zalunci, wanda shine sashin ƙasa. Ba tare da wata shakka ba daga bangarenku kuma hakan zai sa ku yanke hukunci a wannan batun. Ba tare da nuances dangane da kasancewar wannan lokacin ba wanda ke haifar da rikici tsakanin masu amfani da Sifen.

Yi nazarin rasit ɗin banki

karɓa

Ta hanyar misalan da suka gabata, ƙila ba za ku kai ga ƙarshe cewa kuna fuskantar sashin ƙasa a cikin lamunin jingina ba. Kada ku damu da yawa game da wannan ɗan bayanin game da jinginar ku. Kuna da wasu ƙananan dabaru waɗanda zasu bayyana ku daga wannan lokacin zuwa. Ofaya daga cikin dabarun da zaku iya amfani dasu ya dogara da wani abu mai sauƙi kamar yadda yake duba rasit din banki na biyan bashin karshe.

Da kyau, a cikin wannan aikin mai sauki, dole ne ku bincika daga yanzu ko kuɗin ruwa da ya bayyana kamar yadda aka biya bai yi daidai da adadin Euribor da yarda bambanci. Domin ta wannan aikin zaku ga idan jinginar da aka yi rajistar tana da sashin ƙasa, kuma menene mafi mahimmanci menene sha'awar da za a kafa azaman rufi. Kuma hakan ba zai ba ka damar cin gajiyar faduwar da ke cikin ma'aunin ma'aunin Turai wanda yawancin jinginar da aka tsara a cikin 'yan shekarun nan suna da alaƙa ba. Ba tare da zuwa wasu tashoshin bayanai masu rikitarwa ba waɗanda na iya buƙatar ƙarin ilimin kwangila a cikin wannan rukunin kayan bankin.

Me yasa kuke sha'awar sanin wannan bayanin?

Yana da matukar mahimmanci ku tara wannan bayanin saboda zaku iya fara gabatar da wasu aikace-aikace na shari'a akan ma'aikatar kuɗin da ke kula da tallata wannan nau'o'in ƙididdigar, waɗanda suke na musamman ne dangane da manufar su. Saboda lalle ne, ya kamata ku sani daga yanzu cewa Kotun Shari'a ta Tarayyar Turai (CJEU) ya goyi bayan sake dawo da tasirin sassan ƙasa. Wannan yana da mahimmanci ga kowane irin da'awar da kake son aiwatarwa daga waɗannan lokutan daidai.

Ba abin mamaki bane, ɗayan tasirin wannan aikin a ɓangaren masu amfani yana nufin cewa daga yanzu bankuna dole ne su dawo da riba mai yawa da kwastomomin da jingina ke da wannan magana. Wannan a aikace yana nufin cewa idan kun kasance cikin wannan halin zasu dawo muku da makudan kudade. Sakamakon bambance-bambance a cikin abubuwan shigar kowane wata da yakamata ku biya maimakon waɗanda ake amfani dasu daga samfuran tare da zancen bene. Da wanne ne zai haifar da cewa ka bar fa'ida sosai daga wannan sabon aikin lissafin.

Menene ma'anar bene?

yanayi

A kowane hali, zai zama wajibi ne a gare ku gabaɗaya don tabbatar da cewa ku a matsayin mai amfani kuyi tunanin samun sashin ƙasa a cikin lamunin lamuni. Saboda banbancin da ke tsakanin wadanda suka biya shi da kuma abin da ya kamata ka biya sun fi karfin gaske, kamar yadda zaka iya tantancewa daga yanzu. Ba abin mamaki bane, muna magana ne akan wani yanki na musamman wanda banki zai iya haɗawa cikin jingina idan aka sanya hannu. Inda mafi kyawun abu shine tabbatar da mafi ƙarancin riba cewa dole ne ku biya koda kuwa Euribor, ma'anar yawancin jinginar Mutanen Espanya, yana ƙasa.

Don ku don tabbatar da yadda yanayi ne mai cutarwa daga ɓangarorin cibiyoyin kuɗi, ba abin da ya fi kyau ta hanyar misali mai sauƙi. Kodayake Euribor ya sauka zuwa 0,75%Idan magana ta kasance a 2%, ana lissafin kuɗin kowane wata ta hanyar biyan wannan kuɗin. Wato, a kowane hali zaku sami damar fa'ida daga digo-digo a cikin wannan bayanin. Kamar yadda yake bunkasa a kasuwannin kuɗi a cikin shekaru biyar da suka gabata. Inda ƙididdigar ma'auni na Turai ya ma isa mummunan yanayi da kuma ƙasƙantar da tarihi. Ba tare da ku da kanku ba kuna iya amfani da wannan yanayin don haka ya dace da bukatunku a matsayin mai amfani da banki.

A kowane hali, wani ɓangare mai kyau na bankunan sun yanke shawarar rage farashin jingina don magance wannan lamarin. Wannan an fassara shi da sauri cikin haɓakar gasa kuma wasu daga cikinsu ma sun tsaya matakan kusa da 2%. Bugu da kari, kawar da kyakkyawan bangare na kwamitocin da kashe kudi a cikin kulawar ta ko kulawar ta. Har zuwa lokacin da kai kanka kayi tunanin cewa ka rattaba hannu kan lamunin lamuni don siyan gidanka mai matukar alfanu. Yaushe ne a zahiri kuke biyan biyan buƙata kowane wata fiye da abin da kuke bin ku a zahiri.

Yaushe basu cika bayyana ba?

Wani bangare kuma da ya zama dole a bayyana shi ne shin waɗannan yanayi na musamman na daga cikin abin da ake kira rashin nuna gaskiya. A wannan ma'anar, ba za ku iya mantawa da cewa sassan ƙasa suna da doka ba idan aka amince da cikakken bayyananniyar su. Wato, cewa an rubuta jinginar gida a hanya mai sauƙi kuma sama da duk abin fahimta ga duk masu amfani. Na biyu kuma, cewa bankin da kansa ya sanar da ku kafin sanya hannu, duka game da wannan sashin da kuma sakamakon da zai iya ci gaba a cikin tattalin arzikinku na cikin gida. Fiye da sauran ƙirar fasaha har ma da ƙididdigar lissafi.

Waɗannan nau'ikan sharuɗɗan suna amfani da jinginar kuɗi mai canzawa, kusan ana danganta shi da Euribor, wanda ke wakiltar sama da kashi 92% na kwangila da aka kafa a Spain, bisa ga sabon bayanai daga Bankin Spain. Kodayake yakamata ku sani cewa ba duk waɗannan jinginar gida aka siyar ba a cikin yanayin ƙarancin haske.

Ba abin mamaki bane, wannan yana daga cikin abubuwanda ake la'akari dasu don gabatar da da'awa a gaban kotuna. Saboda wannan, ya bambanta cewa suna da sashin ƙasa fiye da yadda aka inganta su da shi karamin nuna gaskiya ta ƙungiyoyin banki. Abubuwa ne mabanbanta waɗanda yakamata ku tantance daga yanzu kuma hakan na iya haifar muku da dabaru daban-daban a cikin da'awar.


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