Ndingadziwe bwanji ngati ndili ndi gawo lanyumba?

pansi Gawo lanyumba ndichikhalidwe chomwe chimaphatikizapo kapena kuphatikizira gawo labwino lamabanki aku Spain m'mapangano a ngongole yobwereka mlingo wosiyanasiyana. Kumene izi zimalumikizidwa ndi benchi yaku Europe, Euribor, kapena mabenchi ena osafunikira. Kuphatikizidwa kwake kunkafuna kuti kasitomala alipire a osachepera kapena chiwongola dzanja, mosadalira za kusintha kwa msika. Mwanjira ina, simungapindule ndi magwiridwe antchito achuma. Monga zikuchitika m'zaka zaposachedwa, pomwe makamaka Euribor ili mdera loipa, ndikupereka kusiyana kwa - 0,161%.

Mwanjira imeneyi, ngati mutasaina ngongole yanyumba yamakhalidwe amenewa, mukadakhala kuti mumalipira chiwongola dzanja chachikulu kuposa momwe muyenera. Ngakhale mwalamulo, ngakhale ndi zovuta kuzunza monga amazindikiridwa ndi mabungwe azamalamulo aku Spain. Zosadabwitsa kuti zotsatira zake zazikulu ndikuti mumakhala kuti mumalipira ndalama zambiri pamwezi kuposa momwe mungafunikire ngati ngongole yangongole yasinthiratu pamisika yachuma. Chifukwa chake, ndi gawo lowopsa pazofuna zanu monga wogwiritsa ntchito kubanki.

Kuchokera pazomwe zachitikazi, chigamulo cha Khothi Lalikulu la Meyi 9, 2013 chidalengeza kuti bwaloli silikuthandiza ndikukakamiza mabungwe kubanki kuti bwezerani zolipidwa zambiri kuyambira tsiku lachiweruzo. Kumbali inayi, chigamulo cha ku Europe chidabwera kubweza zonse zomwe zidakakamiza mabungwe obwereketsa kubweza ndalama zomwe adalipira kupitilira kuyambira pomwe adalemba ngongoleyo.

Kodi mungazindikire bwanji nkhaniyi?

Chimodzi mwamautumiki anu monga ogwiritsa ntchito kubanki omwe muyenera kudziwa ngati ngongole yomwe mwangopanga kumene ikuphatikizira Pansi gawo. Makamaka ngati mungakhudze kapena kukonza zochitikazi chifukwa zingakupangitseni kulipira mayuro ambiri kuposa momwe mumaganizira poyamba. Komanso, kuti mulembetse ntchito zamakampani. Pali ma signature ambiri omwe angakupatseni kudziwa ngati mukukumana ndi ngongole yanyumba yazikhalidwezi.

Chimodzi mwazofala kwambiri chimapangidwa ndi chiphaso kuchokera kubanki yanu. Chifukwa mutha kuyang'ana lingaliro "mtundu wa chidwi" zomwe zikukukhudzani kuchokera ku bungweli. Chifukwa chakuti, ngati iposa mtengo wa Euribor kuphatikiza kusiyanasiyana, chidzakhala chizindikiro chotsimikiza kuti mukukumana ndi ngongole yanyumba yomwe ili ndi gawo lanyumba.

Funsani ndi ngongole yanu

mabanki Inde njira ina ndi funsani ku banki molunjika komwe mwalembetsa kuti mugwiritse ntchito banki. Osati pachabe, ali ndi udindo wotsimikizira ngati muli ndi gawo pansi ndikukufotokozerani, ngati muli nawo, zikhalidwe zotani za ngongolezi.

Kumbali inayi, vuto lina lomwe limachitika kawirikawiri pakati pa ogwiritsa ntchito kalasi iyi yazogulitsa nyumba. Sizina ayi koma kuti mulibe kapena simupeza mgwirizano w ngongole yanyumba. Pachifukwa ichi, simudzakhala ndi yankho lina koposa kumusumira. kudzera mwa notary komwe mudachita izi. ndiye kuti mgwirizano womwe mudasaina. M'chikalata ichi mupeza ngati ngongole yanyumba yomwe mudasaina yaphatikiziratu nkhanza izi, zomwe ndizoyambira pansi. Mosakayikira mbali yanu ndipo izi zidzakupangitsani kupanga chisankho pankhaniyi. Popanda ma nuances pokhudzana ndi kupezeka kwa mawuwa zomwe zimadzetsa mpungwepungwe pakati pa ogwiritsa ntchito aku Spain.

Unikani malisiti akubanki

mapulogalamu Ndizotheka kuti kudzera mu zitsanzo zam'mbuyomu simudzaganiza kuti mukukumana ndi gawo lanyumba yobwereketsa yanu. Osadandaula kwambiri zazing'ono zazing'ono zokhudzana ndi kubweza kwanu. Mudzakhala ndi zidule zina zomwe zingakupangitseni kukhala omveka kuyambira nthawi zovuta zovuta kwambiri pakupanga kwawo. Imodzi mwa njira zomwe mungagwiritse ntchito ndizokhazikitsidwa ndi china chake chosavuta momwe zilili fufuzani risiti ya kubanki za ngongole yomaliza yomaliza.

Pa ntchito yosavuta imeneyi, muyenera kuwunika kuyambira pano ngati chiwongola dzanja chomwe chikuwoneka ngati cholipiridwa sichingafanane ndi kuchuluka kwa ma Euribor kuphatikiza kusiyanasiyana. Chifukwa pogwiritsa ntchito opaleshoniyi mudzawona ngati ngongole yanyumba yomwe muli nayo ili ndi gawo, ndipo chofunikira kwambiri ndichakuti chidwi chomwe chidzakhale ngati denga. Ndipo sizikulolani kuti mupindule ndi madontho omwe akuwonetsedwa ku Europe komwe ngongole zambiri zakhala zikugwirizana m'zaka zaposachedwa. Popanda kupita kuma njira ena ovuta kudziwa omwe angafunike kudziwa zambiri zamgwirizano mgululi lazogulitsa mabanki.

Chifukwa chiyani mukufuna kudziwa izi?

Ndikofunikira kwambiri kuti musonkhanitse izi chifukwa mudzatha kuyambitsa milandu ina motsutsana ndi bungwe lazachuma lomwe limayang'anira kutsatsa mbiri yamtunduwu yapaderadera malinga ndi cholinga chawo. Chifukwa, muyenera kudziwa kuyambira pano kuti Khothi Lachilungamo la European Union (CJEU) yathandizira kuyambiranso kwathunthu kwamagawo apansi. Izi ndizofunikira pamtundu uliwonse wamalamulo womwe mukufuna kuchita kuchokera munthawi zenizeni izi.

Ndizosadabwitsa kuti chimodzi mwazomwe zachitika chifukwa cha ogwiritsa ntchito zikutanthauza kuti kuyambira pano, mabanki ayenera kubweza chiwongola dzanja chochulukirapo chomwe chimaperekedwa ndi makasitomala omwe ngongole yawo ili ndi gawo ili. Izi potanthawuza zikutanthauza kuti ngati muli munthawi imeneyi ayenera kukubwezerani ndalama zambiri. Zotsatira zakusiyana kwamagawo mwezi uliwonse omwe muyenera kulipira m'malo mwa omwe amagwiritsidwa ntchito kuchokera pamitundu yomwe ili ndi gawo lapansi. Zomwe zikuphatikizira kuti musiyire phindu lalikulu pantchito yatsopanoyi.

Kodi mawu apansi amatanthauza chiyani?

mikhalidwe Mulimonsemo, zidzakhala zofunikira kwambiri kuti mutsimikizire kuti inu monga ogwiritsa ntchito mukuganiza kuti muli ndi gawo pangongole yanyumba. Chifukwa kusiyana pakati pa omwe amalipira ndi zomwe muyenera kulipira ndi kwakukulu, chifukwa mudzatha kutsimikizira kuyambira pano. Ndizosadabwitsa kuti tikulankhula za gawo lapadera kwambiri lomwe banki imatha kukhala nalo pangongole itasainidwa. Komwe chodabwitsa kwambiri ndikuti imakhazikitsa chiwongola dzanja chochepa kuti mudzayenera kulipira ngakhale Euribor, dzina la ngongole zambiri zaku Spain, ili pansipa.

Kuti muwone momwe zimakhalira nkhanza kwa mabungwe azachuma, palibe chabwino kuposa kupatula chitsanzo chophweka. Ngakhale Euribor yagwera ku 0,75%Ngati gawolo lili pa 2%, zolipiritsa pamwezi zimawerengedwa polipira mulingo uwu. Ndiye kuti, mulimonsemo simudzatha kupindula ndi kutsika kwa index. Monga zakhala zikuchitika m'misika yazachuma mzaka zisanu zapitazi. Komwe chiwonetsero cha European benchmark chafika ngakhale m'malo olakwika komanso mbiri yakale. Popanda inu nokha kutha kutenga mwayi pazomwe zachitikazi ndizabwino pazokomera zanu ngati wogwiritsa ntchito kubanki.

Mulimonsemo, gawo lalikulu la mabanki lidaganiza zochepetsa mtengo wanyumba kuti athetse izi. Izi zidamasulira mwachangu kufalikira kopitilira mpikisano ndipo ena aiwo adayimilira magawo ali pafupi kwambiri ndi 2%. Kuphatikiza apo, kuchotsa gawo labwino la mabungwe ndi zolipirira pakuwongolera kapena kukonza. Mpaka pomwe inu nokha mumaganizira kuti mwasaina ngongole yanyumba yogulira nyumba yanu yopindulitsa kwambiri. Pamene kwenikweni mumalipira zolipirira mwezi uliwonse kuposa zomwe munalidi ngongole.

Ndi liti pamene sizowonekera poyera?

China chomwe chikuyenera kufotokozedwa ndikuti ngati zinthu zapaderazi ndi zina mwa zomwe zimatchedwa kusowa kowonekera. Mwanjira imeneyi, simungayiwale kuti magawo omwe ali pansi ndi ovomerezeka pomwe kuwonekera kwawo konse kuvomerezedwa. Izi zikutanthauza kuti, ngongole zanyumba zidalembedwa m'njira yosavuta komanso koposa zonse kuti zimveke kwa ogwiritsa ntchito onse. Ndipo chachiwiri, kuti banki yomwe idakuwuzani musanasaine, pokhudzana ndi gawoli komanso zovuta zomwe zingabwere chifukwa cha chuma chanu chakunyumba. Pambuyo pazinthu zina zamakono komanso zowerengera ndalama.

Mitundu yamtunduwu imagwiritsidwa ntchito pobwereketsa chiwongola dzanja, pafupifupi nthawi zonse cholumikizidwa ndi Euribor, chomwe chikuyimira zopitilira 92% zamapangano omwe adakhazikitsidwa ku Spain, malinga ndi zomwe zaposachedwa ku Bank of Spain. Ngakhale muyenera kudziwa kuti si ngongole zonse zanyumba zomwe zakhala zikugulitsidwa pansi pazowonekera pang'ono.

Ndizosadabwitsa kuti ichi ndi chimodzi mwazinthu zomwe zimaganiziridwa kuti zikalengeze milandu kumakhothi. Pachifukwa ichi, ndizosiyana kuti ali ndi gawo pansi kuposa momwe adapangidwira kuwonekera pang'ono ndi mabungwe akubanki. Izi ndi zinthu zosiyana kotheratu zomwe muyenera kuwunika kuyambira pano ndipo zomwe zingakupangitseni njira zosiyanasiyana pazodzinenera.


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