Ndingaite sei kuti ndizive kana ndine pasi pechikamu?

uriri

Chikamu chepasi chiitiko chinosanganisira kana kuti chakasanganisira chikamu chakanaka cheSpanish banking system muzvibvumirano zve mortgage loans chiyero chinoshanduka. Iko izvi zvakange zvakabatana neiyo yekumatanho eEuropean, Euribor, kana kune mamwe mabhenji asina kukodzera. Kubatanidzwa kwayo kwaida kuti mutengi abhadhare a shoma rate kana chimbadzo, zvakasununguka yekushanduka kwemusika. Mune mamwe mazwi, haugone kubatsirwa nekuita kwakanakisa kweaya mare emari. Sezviri kuitika mumakore achangopfuura, uko kunyanya iyo Euribor iri munzvimbo isina kunaka, ichiratidza musiyano we - 0,161%.

Nenzira iyi, dai iwe wainge wasayina chikwereti cheaya maitiro, iwe unenge uchibhadhara mari yakawanda kupfuura iwe yaunofanirwa. Kunyangwe zviri pamutemo, kunyangwe na kushungurudza zvinoreva sekuzivikanwa kwematare edzimhosva eSpain. Hazvishamise kuti mhedzisiro yaro ndeyekuti iwe unenge uchive uchibhadhara yakakwira pamwedzi mubhadharo kupfuura iwe unofanirwa kana iyo mogeji ichinyatso gadzirisirwa kune mamiriro emisika yemari. Naizvozvo, chikamu chinokuvadza zvakanyanya kune zvaunofarira semushandisi webhangi.

Kubva pane akajairwa mamiriro, mutongo weDare Repamusorosoro raMay 9, 2013 wakazivisa pasi pechirevo chisina basa uye chakamanikidza masangano emabhangi ku dzosera zvakabhadharwa kubva musi wekutongwa. Kune rimwe divi, nemutongo weEuropean kwakauya kuzadzikiswa kuzere kwakamanikidza masangano echikwereti kudzosera mari dzakabhadharwa zvakawandisa kubva pakutanga mukubvumirana kwechikwereti.

Ungaziva sei chikamu ichi?

Imwe yemamishini ako sewe mushandisi webhangi iwe wauri kuona kana mogeji iwe uchangobata inosanganisira iyo Chikamu chepasi. Kunyanya kana iwe uchikwanisa kukanganisa kana kugadzirisa chiitiko ichi nekuti chinoita kuti iwe ubhadhare maeuro akawanda kupfuura pakutanga zvaifungidzirwa. Zvakare, kunyorera hunyanzvi masevhisi ekambani yemutemo. Huye, kune akawanda ma sign anokwanisa kukupa iwe kuti uzive kana iwe uri kunyatso kutarisana nechikwereti chemogeji cheaya maficha.

Chimwe chezvinhu zvakajairika chinoitwa kuburikidza nerisiti kubva kubhangi rako. Nekuti iwe unogona kutarisa iyo pfungwa "mhando yekufarira" izvo zvinoshanda kwauri kubva kuchinhu ichi. Nekuti zvirizvo, kana ikapfuura kukosha kweEuribor pamwe nemusiyano, chichava chiratidzo chakatsiga chekuti uri kutarisana nechikwereti chaicho chine chikamu chepasi.

Tarisa nekambani yako yechikwereti

mabanki

Ehezve imwe sarudzo ndeye bvunza kubhangi zvakananga kwaakanyorera ichi chigadzirwa chebhangi. Kwete pasina, vane basa rekusimbisa kana iwe uine chikamu chepasi uye kukutsanangurira icho, kana iwe uine imwe, ndeapi mamiriro ekirasi iyi yezvikwereti.

Kune rimwe divi, chimwe chiitiko chinowanzoitika chingamuka pakati pevashandisi veiyi kirasi yezvigadzirwa yekutsigira imba. Izvo hazvisi zvimwe kunze kwekuti iwe hauna kana haungawane chibvumirano chekukweretesa mogeji. Zvakanaka, mune ino chaiyo kesi, iwe unenge usina imwe mhinduro kunze kwekumumhan'arira. kuburikidza negweta kwawakaitira oparesheni iyi. ndiko kuti, chibvumirano chawakasaina. Mune ino gwaro iwe uchaona kana iyo mogeji iwe yawakasaina yakanyatso batanidza iyi inoshusha mamiriro, inova iyo yepasi chikamu. Pasina kupokana pane kwako uye izvo zvinokutungamira iwe kuti utore sarudzo mune iyi nyaya. Pasina nuances zvine chekuita nekuvapo kweshoko iri rinounza gakava rakanyanya pakati pevashandisi veSpanish.

Ongorora mareti ebhangi

risiti

Kuburikidza nemienzaniso yapfuura, ungasasvika pamhedziso yekuti iwe uri kutarisana nechikamu chepasi mune yako mogeji yechikwereti Usatombo kunetseka zvakanyanya nezve ichi chidiki ruzivo nezve yako mogeji Iwe unenge uine mamwe madiki madiki ayo anoita kuti ujekese kubva kusahadzika kubva zvino zvichienda mberi matambudziko akawandisa mukuita kwavo. Imwe yemaitiro aunogona kushandisa zvinoenderana nechinhu chiri nyore sezvazviri tarisa risiti rekubhangi yemubhadharo wekupedzisira wechikwereti.

Zvakanaka, mukati mekushanda kuri nyore, uchafanirwa kutarisa kubva zvino zvichienda pamusoro pekuti chikamu chemubereko chinoita sekubhadharwa hachienzani nechiyero cheEuribor pamwe vakabvumirana kusiyanisa. Nekuti kuburikidza neichi chiitiko iwe uchaona kana yakanyoreswa mogeji ine pasi pechirevo, uye chii chakanyanya kukosha chii icho icho kufarira icho chichaumbwa sedenga. Uye izvo hazvizokutenderi iwe kuti ubatsirwe nemadonhwe ari muEuropean benchmark index kune iyo yakawanda yemamogeji akaumbwa mumakore apfuura akabatanidzwa. Pasina kuenda kune mamwe akaomesesa ruzivo nzira dzinogona kuda ruzivo rukuru rwezvibvumirano mukirasi ino yezvigadzirwa zvebhengi.

Nei uchifarira kuziva ruzivo urwu?

Izvo zvakakosha chaizvo kuti iwe utore iyi ruzivo nekuti iwe unozogona kutanga imwe nzira yekumhan'arira kupokana nesangano rezvemari rinotarisira kushambadzira rudzi urwu rwezvikwereti, izvo zvakakosha kwazvo maererano nechinangwa chavo. Nekuti zvirokwazvo, iwe unofanirwa kuziva kubva zvino zvichienda mberi kuti iyo Dare reJustice reEuropean Union (CJEU) yakatsigira kuzadzikiswa kuzere kwezvikamu zvepasi. Izvi zvakakosha zvakanyanya kune chero mhando yekuda iwe yaunoda kuitisa kubva panguva chaidzo idzi.

Hazvishamise kuti, imwe yemhedzisiro yechiito ichi pane chikamu chevashandisi zvinoreva kuti kubva zvino mabhanga anofanirwa kudzorera mari yakawandisa inobhadharwa nevatengi vane mogeji waive nechikamu ichi. Izvi mukuita zvinoreva kuti kana iwe uri mune ino mamiriro ivo vanofanirwa kudzosa yakakosha huwandu hwemari kwauri. Semhedzisiro yemisiyano muzvikamu zvepamwedzi zvaunofanira kubhadhara panzvimbo peavo vanoiswa kubva kumamodeli ane chidimbu chepasi. Izvo izvo zvinosanganisira kuti iwe usiye wakabatsirwa kwazvo neiyi nyowani yekushandisa mashandiro.

Icho chirevo chepasi chinorevei?

mamiriro

Chero zvazvingaitika, zvichave zvakafanira kuti iwe uone kuti iwe semushandisi unofunga kuve nechikamu chepasi muchikwereti chemogeji. Nekuti mutsauko uripo pakati pevanoibhadhara uye neunofanira kubhadhara wakanyanya kudarika, sezvo uchizokwanisa kuongorora kubva zvino zvichienda mberi. Hazvishamisi kuti isu tiri kutaura nezve chakakosha kwazvo chirevo icho bhangi rinogona kusanganisira mune iyo mogeji painosainwa. Iko chinhu chinonyanya kushamisa ndechekuti inosimbisa iyo chimbadzo chimbadzo kuti iwe uchafanirwa kubhadhara kunyangwe iyo iyo Euribor, chirevo chemazhinji mamogeji eSpain, ari pazasi.

Zvekuti iwe utarise kuti imamiriro akashusha sei pachikamu chemari, hapana zvirinani kupfuura nemuenzaniso wakapusa. Kunyangwe iyo Euribor yadonha kusvika ku0,75%Kana chikamu chacho chiri pa2%, mari yemwedzi unoverengwa nekubhadhara uyu mwero. Ndokureva, hapana mamiriro ezvinhu iwe unozogona kubatsirwa kubva mukudonha mune iyo index. Sezvo yanga ichisimukira mumisika yemari mumakore mashanu apfuura. Iko iyo yeEuropean benchmark index yakatosvika kune isina kunaka terra uye munhoroondo dzakadzika. Pasina iwe pachako uchikwanisa kutora mukana weichi chiitiko chakanakira zvido zvako semushandisi webhangi.

Chero zvazvingaitika, chikamu chakakura chemabhangi chakasarudza kudzikisa mutengo wemogeji kugadzirisa chiitiko ichi. Izvi zvakakurumidza kushandurwa mukuwedzera kukwikwidza kupararira uye vamwe vacho vakatomira mazinga ari padhuze ne2%. Uye zvakare, kubvisa chikamu chakanaka chemakomisheni uye mari mukutarisira kwayo kana kugadzirisa. Kusvika padanho rekuti iwe pachako waifunga kuti wainge wasaina mogeji yechikwereti yekutenga imba yako inobatsira kwazvo. Apo muchokwadi iwe waive uchibhadhara zvakanyanyisa kudhara pamwedzi kubhadhara kupfuura izvo iwe zvawakakwereta chaizvo.

Ndezvipi zvisiri pachena?

Chimwe chinhu chinofanirwa kujekeswa ndechekuti aya akasarudzika mamiriro ari chikamu cheanonzi kushayikwa kwekujeka. Mupfungwa iyi, haugone kukanganwa kuti zvikamu zvepasi zviri pamutemo kana iko kujekesa kwavo kwakabvumidzwa. Ndokureva, kuti mogeji dzakanyorwa nenzira yakapusa uye kunyanya inonzwisisika kune vese vashandisi. Uye chechipiri, kuti iro bhanga pacharo rakakuzivisa usati wasaina, zvese zvine chekuita nechikamu ichi nemhedzisiro yazvinogona kusimudzira mune yako hupfumi hwenyika. Beyond kumwe kwehunyanzvi uye kunyangwe accounting zvekufunga.

Aya marudzi emamiriro ezvinhu anoshanda kune akasiyana mhindu reti mamogeji, anowanzo kuve akabatanidzwa neEuribor, ayo anomiririra anopfuura 92% emakondirakiti akagadzwa muSpain, maererano nedatha razvino kubva kuBhangi reSpain. Kunyangwe iwe uchifanira kuziva kuti haazi ese aya mamogeji akatengeswa pasi pemamiriro ekusajeka kushoma.

Hazvishamise kuti ichi ndicho chimwe chezvinhu zvinotorwa mukusimudzira zvichemo pamberi pematare. Nechikonzero ichi, zvakasiyana kuti ivo vane pasi pechirevo pane icho chavakagadzirwa nacho kujekesa kudiki nemasangano ekubhengi. Izvo zvinhu zvakasiyana zvachose zvaunofanira kuongorora kubva zvino zvichienda uye izvo zvinogona kukutungamira kune akasiyana marongero mune chikumbiro.


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  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
  4. Kutaurirana kwedata
  5. Dhata yekuchengetedza: Dhatabhesi inobatwa neOccentus Networks (EU)
  6. Kodzero: Panguva ipi neipi iwe unogona kudzora, kupora uye kudzima ruzivo rwako