Bada rancen gidaje an tsaurara shi da hukumomin da ke kula da tallata wadannan kayayyakin don siyan gida, bayan matsalolin tsarin bankin Spain. Kuma idan ya riga ya zama da wahalar samun damar jinginar gida, yafi yawa idan masu nema suna mil kilomita. Idan wannan takamaiman lamarin ku ne, zaku sami aiki mai wahala don karɓar aikace-aikacen, tunda ƙananan albashin ku zasu iyakance ku sosai. Sai dai idan kun haɗu da shi tare da albashin abokin tarayyar ku a matsayin mafita don ba ku damar tsara wannan aikin.
Amma daga farko, babbar tambayar da ma'aikatan da suke samun kusan Yuro dubu a wata suke tambayar kansu ita ce ko za su sami damar shiga ɗaya daga cikin waɗannan kayayyakin banki. To, sakamakon ragin albashi - wanda ya samo asali daga rikicin tattalin arziki da Spain ta shiga- wasu bankuna sun yanke shawarar rage mafi karancin adadin albashin kwastomominsu. Wasu shekarun da suka gabata sun buƙace shi don darajar kusan Yuro 3.500 don a ba da rancen. A halin yanzu, ana iya samun su kan euro 2.000.
Amma mafi mahimmanci shine cewa wasu kamfanonin banki - kodayake suna da takamaiman takamaiman shawarwari - sun shirya jerin lambobin yabo wanda miliyoyin miliyoyin zasu iya tsara aikin. Ba za a iya samun da yawa ba, gaskiya ne, amma aƙalla suna da rashi a cikin tayin jingina na yanzu. Kuma ta wannan hanyar, sami dama ga kasuwar ƙasa tare da cikakken garanti.
Halaye na waɗannan jingina
Koyaya, waɗannan samfuran sun haɗa da jerin halaye waɗanda yakamata kuyi la'akari dasu idan zaku ɗauki hayar ɗayansu a cikin watanni masu zuwa. A matsayin farawa, iyakar adadin da bankuna ke ba ku ba su da karimci tare da rance na al'ada. Ko da Kuna iya samun damar samun kuɗi har zuwa 80% na aiki.
Kodayake duk bankunan suna amfani da wannan dabarun kasuwanci ga duk wani kayan kasuwancin su, kuma sakamakon shawarar da Bankin Spain yayi don rage adadin ƙarshe na da'awar. Ofaya daga cikin tasirin da zaku lura a baya shine cewa babu wani yanayi da zaku kasance cikin halin kuɗaɗen aikin gabaɗaya.
Wani abin lura da yakamata kuyi la'akari dashi shine cewa za a haɓaka sharuɗɗan biyan kuɗin don daidaita su da albashin ku. Saboda haka, za ku biya ƙananan bashin kowane wata, amma na dogon lokaci. Ita ce kawai mafita da aka kunna don daidaitawa zuwa irin wannan ƙaramin albashi. Kuma tabbas, zai zama mai ban sha'awa a gare ku ku nemi samfurin kuɗi wanda zai samar da mafi ƙarancin kuɗin kashewa, kuma idan aka yi shi ba tare da kwamitocin ba (buɗewa, nazari, sakewa da wuri, da sauransu), ko wasu kashe kuɗaɗen gudanarwa , to mafi alheri ga bukatunku na kanku.
Waɗanne lamuni ne na miliyoyin mil?
Aikinku don neman jinginar gida wanda ke kula da waɗannan layukan kasuwanci zai zama da wahalar aiwatarwa, amma idan kun bincika tayin da bankunan suka ba ku a wannan lokacin, za ku yanke shawara cewa akwai ɗan fata don ku iya siyan hakan gidan da kuka fi so sosai kwanakin baya, amma ba ku da tabbacin ko za ku iya yin ma'amalar kuɗin.
Gaskiya ne cewa bakada da yawa da zaku zaba, amma aƙalla zaku sami damar da za ku ba da kuɗi don mallakar dukiyar da aka zaɓa. Ofayan waɗannan shawarwarin ya fito ne daga ING Direct, wanda ke tallatar jinginar ruwan Orange, wanda shine don mafi ƙarancin biyan kwastomomi, ko kuma aƙalla suna kula da mafi ƙarancin ma'auni a cikin asusun binciken su na kusan euro 2.000. Idan kun cika waɗannan ƙananan buƙatun, zaku sami ɗayan mafi yawan lamuni na lamuni na kasuwa a kasuwa.
Yana da nasaba da ma'aunin Turai, wanda aka fi sani da Euribor, daga 0,99%, kuma mai canji mai sauƙi - bayan an saukar da shi a watannin baya - na 1,88%. Ala kulli hal, yana ɗaya daga cikin mafi jinginar lamuni don sanya hannu kan aikin. Kuma wannan yana nuna cewa an keɓance daga kowane irin kwamitocin, ba tare da sashin ƙasa ba, kuma a ƙarshe bashi da ƙimar riba mafi girma a farkon shekarar. Su ne manyan alamun ta.
Amma ba shine kawai zabin da zaku iya amfani da shi ba daga farkon shekarar 2016. La Caixa ta baku wata dama, ta yadda tare da albashin ku zaku iya gudanar da aikace-aikacen gidaje, idan wannan shine babban burin ku na gaggawa. A wannan yanayin, ta hanyar jinginar jingina, wanda abokan ciniki zasu iya biyan kuɗi tare da ƙaramar kuɗi na euro 600.
Linkedimar amfani tana da alaƙa da Euribor + 1,90%. Amma ana iya saukar da shi idan kun yi kwangilar wasu samfuran tare da mahaɗan (inshora, tsare-tsaren fansho, shirye-shiryen tanadi, kudaden saka jari ...), har sai an kai gareshi wanda za'a iya daukar shi ta hanyar ma'aunin asusun binciken ku.
Wani jinginar da aka daidaita shi zuwa mileuristas shine wanda Abanca ya inganta, ƙarƙashin sunan mara kyau na Hipoteca Mari Carmen. Kuma ana samun shi ga masu nema tare da ɗan kuɗi kaɗan. Lamunin lamuni ne Yana ba ku tsayayyen kashi-kashi don rayuwar rayuwar jingina gaba ɗaya. Da shi zaka biya wannan kudin tun daga lokacin farko har zuwa lokacin da ka rufe kwangilar. Babu damuwa ko canje-canjen da ba zato ba tsammani, kuma an daidaita su musamman ga lokacin da kuka zaɓa, ya kasance shekaru 20, 25 ko 30. Tare da kuɗin ruwa na 2,49%, don mafi yawan lokacin biya na shekaru 20.
Idan kun zaɓi wannan samfurin kuɗin, zaku kuma adana kwamitocin buɗewa, karatu, ƙarami da gyaran kwangila, kuma idan kuka yanke shawarar sanya hannun jarin ko duk jingina a gaba, kawai hukumar don matsalar ƙimar riba ce za ta yi aiki.
Me za su tambaye ku game da rangwame?
A dawo Dole ne ku sadu da jerin abubuwan buƙatu na asali don samun damar kowane ɗayan waɗannan samfuran banki don miliyoyin mil. Ba za su kasance da matukar wahalar cikawa ba, kodayake ba tare da su ba tabbas za ku sami izinin veto. Ya dace ku bincika idan za ku iya gabatar da su ga banki, tunda in ba haka ba, zai fi kyau ku daina ƙoƙari, tunda duk abin da za ku yi shi ne ɓata lokaci, kuma wataƙila ma rudu.
A matsayin wasika, banki zai tambaye ku kwangilar aikin, wanda dole ne a gyara shi - duk da cewa a karkashin wani adadi kaɗan - don tabbatar da zaman lafiyar ku a cikin kamfanin, kuma kuna iya dawo da shi a cikin wa'adin da aka amince. Hakanan dole ne ku samar da cikakken tarihin banki mai tsabta, ba tare da bashi ba, kuma idan zai yiwu tare da asusun binciken lafiya. Kuma idan kun yi kwangila da wasu samfuran tare da mahaɗan, tabbas zai taimaka muku don haɓaka amincewar buƙatarku.
ma, Bai kamata a saka ku a cikin kowane jerin masu bijirowa ba (ASNEF, RAI, da sauransu), saboda idan haka ne, suma zasu ki amincewa da bukatarka tun daga farkon lokacin. Ba wai kawai tare da bashin da aka kulla tare da sauran kamfanonin banki ba, amma ta hanyar bashin da aka samo daga kowane lissafin gida (wutar lantarki, ruwa, tarho, wutar lantarki, da sauransu) Kuma don gamawa, a cikin dukkan alamu, zasu buƙaci wani ya goyi bayan aikin. Yawancin lokaci zasu zama iyayen ko wasu dangi na kusa. Kuma wannan idan aka bayar da raunin yanayin da kuka gabatar, a karshe sune zasu bada tabbacin dawo da kudin da aka nema.
Wasu matakai don aiki
Tabbas, ba zai zama hanya mai sauki ba don tsara ta, nesa da shi, nauyi idan ka shigo da wasu jagororin halayya a ciki, zasu taimaka maka sosai don cimma burin ka. Ba wani bane face samun lamunin lamuni don siyan wannan gidan da kuke so ƙwarai a ƙarshen makon da ya gabata.
Kodayake sanin gaba, cewa damar yin rajistar samfuran waɗannan halayen sun kasance ƙasa da ƙasa idan kuka gabatar da kuɗin biyan kuɗi na 2.000, 3.000, ko ma Yuro 5.000. Kuna da wannan yanayin lokacin da kuka fara tattaunawa da banki.
- Idan kun yi aure, ko kuna da aboki, zai zama abin so sosai ku ƙara buƙatar jinginar ta hanyar albarkatun tattalin arzikin mutanen biyu, kodayake ku biyun duk mil mil ne. Ba abin mamaki bane, damar samun bashi zasu karu.
- Kada kuyi ƙoƙarin neman adadi mai yawa don yanayin rayuwar kuBa ma cewa suna ba da kuɗin aikin duka ba, saboda ba za ku iya samun sa ta kowane irin yanayi ba. Bugu da kari, ba su bayar da shi a kusan kusan duk tayin banki.
- Idan ka samar da jakar tanadi don aiwatar da aikin, zai fi maka sauki samun damar amincewa da bukatar, kuma mafi girman mafi kyau, ya isa cewa ka iyakance kanka ga mafi kyawun sharuɗɗa don yanayin kuɗin ka.
- Ba lallai ba ne kawai ku samar da tsayayyen albashi ba, har ma da wannan sami wasu tsayayyen kuɗin shiga na yau da kullun wanda ke ba da daidaito ga takarar ku. Ko da kuwa sun ci gajiyar gadon iyali.
- Kada ku yanke ƙauna a cikin neman jinginar waɗannan halayen, saboda kodayake akwai 'yan kaɗan daga waɗanda aka tallata a wannan lokacin, koyaushe za a sami wasu zarafi ga mutane kamar a cikinku waɗanda suke cikin wannan yanayin aikin, kodayake tare da iyakan hanyoyin da yawa, kuma a wasu lokuta ma tsayayye ne.
- Samfurori waɗanda kuka samo a ƙarƙashin wannan buƙatar, Ana siyar dasu da yanayi mai kyau don amfanin ku, kuma wanda aka sabunta kyaututtukansa akai-akai tare da raguwa mai yawa a cikin kuɗin da ake amfani da shi.
- Ka yi tunanin, a gefe guda, cewa lokaci ne mai kyau don sanya kwangilar, kamar yadda tsarin Turai yake ƙasa da ƙarancin tarihi, adana kuɗi da yawa a cikin aikin.
- Kuma a ƙarshe, yi ƙoƙarin nemo mafi kyawun yanayin don yin kwangilar rancen lamuni, ba tare da takaita kanka ga shawarwarin da zan jefa maku daga bencin rayuwar ku duka ba.