Santander inotangisa chitsva chemogeji chinopihwa kune vatengi vayo

Banco Santander vatengi vanogona kuwana bhonasi ye anosvika zana hwaro poindi mune yegore zita rezita rehuwandu zvinoenderana nezvigadzirwa zvemari uye masevhisi avanobata gore rega. Pakati pemabhonasi anogona kuitika, kudzikiswa kunosanganisirwa kana imba iri kupihwa mari ine mwero wesimba rinogara. Santander inotangisa pamusika mutsva unoshanduka webhonasi module yehuwandu hwezvikwereti (zvakagadziriswa, zvinoshanduka, vasiri vagari) izvo zvinobvumidza mutengi kuti abatsirwe, muhupenyu hwese hwechikwereti, kubva pamitero pamitero yezvibereko zvinoenderana nezvigadzirwa kana masevhisi iwe sarudza kuhaya.

Neichi chitsva chakapihwa, mutengi anogona gore rega kusarudza izvo zvigadzirwa zvekubvumirana nesangano uye kuzvishandura sezvazviri, zvichibva pahupenyu hwavo kutenderera uye kuronga kwemari. Nenzira iyi, mutengi anogona kuve neiyi mogeji renji asina kana chinhu chinobatanidzwa, asi anozobatsirwa nemabhonasi anosvika zana eporesi poindi pane inozikanwa zita rechimbadzo (iyo yazvino kupihwa ine yakashandiswa mabhonasi chikamu kubva kuEuribor + 0,99% pamutengo wakasiyana uye 1,90% TIN pachiyero chakamisikidzwa), zvichizadzisa iwo akanyanya mabhonasi mamiriro maererano netafura yakasungirirwa.

Kubva kutanga kwegore, chinzvimbo chinotora zvese zvinodhura zvinosanganisirwa gwaro rechikwereti: iyo registry uye notarial fizi, tsamba yakapfava, kuongororwa (paunokumbirwa nesangano), mubhadharo wevatariri uye mutero wezviito zvakanyorwa zviri pamutemo (IAJD). Munguva pfupi, apo masangano emari akasarudza nekuti makomisheni uye zvimwe zvinoshandiswa mukutarisira kwavo nekuchengetedza zvinowira kune vanonyorera chigadzirwa ichi pakutenga imba.

Chipo chemisha yakagadzikana

Kana, pamusoro pezvo, imba yakachengetwa ine simba rekuyera A kana A + kana inofungidzirwa kuti inogara imba, zvinoenderana nezvitupa zvakakodzera zvakapihwa nemakambani anozivikanwa muchikamu ichi, ivo vanozove nebhonasi yemakumi gumi ematanho epasi pachiyero cheiyo regeji. Sangano nokudaro rinosimbisa kuzvipira kwaro kukurudzira kushanda kwesimba nekugadzirisa zvigadzirwa zvaro zvemari kuzvipira kunowanikwa sebhanga rine mutoro, iro rino tarisa mamiriro ezvemagariro uye enharaunda mukuita sarudzo dzemari.

Ichi chinhu chitsva chevatsvaki veiyi kirasi yechigadzirwa sezvo zvakanyanya uye zvakanyanya zvichikanganiswa muyero yemagetsi kana uchiita kiredhiti reti mogeji. Nesimba risinganzwisisike pamusoro peanonyanya kuchengetedza kana akajairwa emari mamodheru. Iko mutengi anogona kuwana imwe mhando yemabhenefiti ayo anooneka mune mashoma mari inodhura pamwedzi kune zvaunofarira pamwe nekuponeswa kwechuru chegumi chezana muzana maererano neyako yekutanga rate. Saka kuti nenzira iyi, ivo vanokwanisa kusevha maeuro mashoma mune yega yega yakasainwa mashandiro.

Mamogeji anokura 0,7%

Huwandu hwezvikwereti zvakagadzirwa pamisha ndeye 29.032, 0,1% pasi pane muna Kubvumbi 2018. Ivhareji yemari iri 124.655 euros, pamwe nekuwedzera kwe0,7%, maererano neazvino dhata yakapihwa neNational Institute of Statistics (INE). Iko kunoratidzwa kuti avhareji huwandu hwezvikwereti zvakanyoreswa mumidziyo yezvivakwa muna Kubvumbi (kubva kuruzhinji rwemabasa akaitwa kare) ndeye 142.440 euros, 1,8% yakakwira kupfuura iyo yemwedzi mumwecheteyo we2018. Kune rimwe divi, kukosha kwezvikwereti zvakavakirwa pamadhorobha zvivakwa kwakasvika mamirioni e5.325,6, 2,6% pasi paApril 2018. Mune dzimba, mari yakabhadharwa yakamira pamamirioni 3.619,0, nekuwedzera kwegore 0,6%.

Ndichiri kune rimwe divi, iyo data yakapihwa neNational Institute of Statistics inoratidza kuti kune mamogeji akagadzirwa pazvivakwa zvese muna Kubvumbi, avhareji yemari yemubereko pakutanga ndeye 2,51% (5,1% yakaderera kubva muna Kubvumbi 2018) uye nguva yepakati yemakore makumi maviri nematatu. 58,7% yezvikwereti zvemari zviri pamutengo wakasiyana wemari uye 41,3% pachiyero chakatarwa. Ivhareji yemari yemubhadharo pakutanga ndeye 2,23% yemitero inowirirana (6,4% yakaderera pane muna Kubvumbi 2018) uye 3,07% yemitero yakatarwa (4,8% yakawanda pasi).

Mamogeji ane registry shanduko?

Zvemumba mamogeji, avhareji yemari yekuda iri 2,59% (2,9% yakaderera pane muna Kubvumbi 2018) uye avhareji temu makore makumi maviri nemana. 24% yezvikwereti zvemumba zviri pamwero wakasiyana uye 56,8% pamutengo wakatarwa. Yakamisikidzwa-rateti mogeji yakawana yegore mwero kuwedzera kwe43,2%. Ivhareji yemari yemubereko pakutanga ndeye 6,7% yezvikwereti zvemumba pamatanho emumba ari kuyangarara (nekuderera kwe2,30%) uye 3,09% yeiyo yakatarwa chiyero (1,8% yakaderera).

Huwandu hwakazara hwezvikwereti zvine shanduko mumamiriro avo akanyoreswa mumarejista epfuma ndeye 4.814, 20,9% pasi pane muna Kubvumbi 2018. Zvichibva parudzi rwechinjiso mumamiriro ezvinhu, muna Kubvumbi. 3.932 novations dzinoitika (kana kugadziridzwa kwakagadzirwa pamwe chete nemari mubatanidzwa), pamwe nekuderera kwegore rose kwe19,3%. Kune rimwe divi, huwandu hwezviitiko zvinoshandura chinzvimbo (subrogations kune iye mukweretesi) chakadzikira ne 27,8% uye huwandu hwezvikwereti umo muridzi weimba yaakabaiwa pfuma akachinja (subrogations kune ane chikwereti) yakaderera ne25,3%.

Trend mumusika wenyika

Nezve mhedzisiro nenharaunda dzakazvimiririra, iyo data yakapihwa neNational Institute of Statistics inoratidza kuti nharaunda dzine huwandu hwakanyanya hwezvikwereti zvakagadzirwa mudzimba muna Kubvumbi Andalusia (6.065), Nharaunda yeMadrid (5.380) uye Catalonia (4.636). Nharaunda idzo mari zhinji yakapihwa bumbiro rezvikwereti mudzimba ndiComunidad de Madrid (963,0 mamirioni euros), Andalusia (676,2 mamirioni) uye Catalonia (657,0 mamirioni).

Ndichiri kune rimwe divi, nharaunda dzinopa iyo yakakwira yegore ese misiyano Mumadhorobha akabhadharwa ivo vari Comunidad Foral de Navarra (59,4%), Andalucía (26,8%) uye Aragón (26,0%). Mune imwe nzira yezvinhu, zvinofanirwa kusimbiswa kuti nharaunda dzine mwero wepamusoro pagore muhuwandu hwezvikwereti pamisha ndiComunidad Foral de Navarra (47,4%), Andalucía (16,7%) uye La Rioja (15,1, 25,8%). Kune avo chikamu, iyo Autonomous Communities ine yakanyanya kushata yegore rega misiyano yaive Región de Murcia (-22,4%), Illes Balears (-10,3%) neComunidad de Madrid (-XNUMX%).

Avhareji yemutero

Zvemumba mamogeji, avhareji yemari yemubhadharo iri 2,59% (2,9% yakaderera pane muna Kubvumbi 2018) uye avhareji temu ndeye 24 makore 56,8% yezvikwereti zvemumba zviri pamwero wakasiyana uye 43,2% pamutengo wakatarwa. Yakagadziriswa mwero mogeji unowana kuwedzera kwe6,7% pagore regore. Ivhareji yemari yemubhadharo pakutanga ndeye 2,30% yezvikwereti zvemumba pamisha inoyerera (ine kuderera kwe5,1%) uye 3,09% yemitero yakatarwa (1,8% pazasi) zvichibva pane data rakapihwa neNational Institute of Statistics mu nguva ino.

Chero zvazvingaitika, pane kuramba kuchiderera muhuwandu hwekuyera bhenji yeEuropean mogeji, iyo Euribor, izvo zviri kukonzera kuwedzera kuduku mumubhadharo wemwedzi wega wezvikwereti zvemogeji. Kubva gore rakapfuura yaive pazasi nhoroondo uye izvo zvakatungamira mukufarira kwekutenga ichi chigadzirwa chebhangi kuve chakaderera kupfuura nakare kose. Kunyangwe nekupararira pazasi pe1% pakati pezvakawanda zvinopihwa nemabhangi. Muzviitiko zvakawanda, pamwe nekuregererwa kwemakomisheni uye zvimwe zvinoshandiswa mukutarisira kana kugadzirisa.

Kuwedzera kuchengetedzwa pamari dzinobhadharwa

Imwe yenzira dzekuchengetedza mari mukugadzwa kwechigadzirwa ichi chebhangi inogara iri muchidimbu chekusarudzira mamodheru akatsigirwa. Mune mamwe mazwi, zvigadzirwa zvakawandisa zvine chibvumirano nechinzvimbo, zvirinani kufarira icho chinogona kuwanikwa kubva mukushanda. Nekontrakta yezvigadzirwa senge mari yekudyara, inishuwarenzi, zvirongwa zvekuchengetedza kana yakatarwa-nguva dhipoziti. Nekuderedzwa kwezvibereko zvemitero izvo zvinogona zvinopesana pakati pe0,10% uye 1,50% mune yakanakisa kesi. Kune zvakare zvinopihwa kune vatsva vatengi zvinobvumidza kondirakiti yezvikwereti nemari ine makwikwi emari yemari.

Nepo kune rimwe divi, zvakakoshawo kuti uzive kuti iyo yazvino imba yekutengesa musika inowanzo kuvandudza yakatarwa mitero kukuvadza emhando dzakasiyana mitengo. Tichifunga nezvekuonekwa kuri pachena kwemitengo munzvimbo yeyuro. Zvekuti nenzira iyi hapana zvinoshamisira panguva yechibvumirano. Nekuti mwedzi wega wega iwe unogara uchibhadhara zvakafanana, zvisinei nezvinoitika mumisika yemari. Kupa kugadzikana kukuru kune vanhu vanosarudza rudzi urwu rwemari kana vachitenga imba yavo.

Imwe yenzira dzekuchengetedza mari mukugadzwa kwechigadzirwa ichi chebhangi inogara iri muchidimbu chekusarudzira mamodheru akatsigirwa. Mune mamwe mazwi, zvigadzirwa zvakawandisa zvine chibvumirano nechinzvimbo, zvirinani kufarira icho chinogona kuwanikwa kubva mukushanda. Nekontrakta yezvigadzirwa senge mari yekudyara, inishuwarenzi, zvirongwa zvekuchengetedza kana yakatarwa-nguva dhipoziti. Nekuderedzwa kwezvibereko zvemitero izvo zvinogona zvinopesana pakati pe0,10% uye 1,50% mune yakanakisa kesi. Kune zvakare zvinopihwa kune vatsva vatengi zvinobvumidza kondirakiti yezvikwereti nemari ine makwikwi emari yemari. Muzviitiko zvakawanda, pamwe nekuregererwa kwemakomisheni


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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