Huwandu hwezvikwereti mudzimba zvakanyoreswa muzvivakwa zvemidziyo ndezvi 31.018, 9,2% yakawanda muyero yegore. Iyi ndiyo data inonyanya kukoshesa inotorwa kubva kune ichangoburwa data yakapihwa neNational Institute of Statistics (INE). Izvo zvakare zvinoratidza kuti avhareji huwandu hweaya maregeti akawedzera ne2,9% uye akamira pa123.911 euros. Nepo kune rimwe divi, huwandu hwezvikwereti zvakagadzirwa mudzimba ndeye 31.018, ndiko kuti, 9,2% kupfuura muna Kukadzi 2018.
Mari yepakati ndeye 123.911 euros, kuwedzera kwe2,9%. Nepo avhareji huwandu hwezvikwereti zvakanyoreswa mumidziyo yemidziyo muna Kukadzi (kubva kuruzhinji rwemabasa akaitwa kare) iri 163.487 euros, 21,2% yakakwira kupfuura iwo iwo mwedzi muna 2018. Nezve iyo chimbadzo pachikwereti chemogeji, zverudzi urwu rwezvigadzirwa zvebhangi zvakaumbwa pamapurazi ese muna Kukadzi, avhareji yemari yekufarira pakutanga ndeye 2,64% (0,4% yakakwira kupfuura Kukadzi 2018) uye avhareji temu makore makumi maviri nemaviri. Iko 22% yezvikwereti zvemari zviri pamutengo wakasiyana wemari uye 59,5% pachiyero chakatarwa.
Ivhareji yemari yekufarira pakutanga i2,32% yemitengo inoshanduka yemitero (1,9% yakaderera pane munaKukadzi 2018) uye 3,32% yeakagadziriswa mwero regeji (3,0% yakakwira). Zvemumba mamogeji, avhareji yemari yekuda iri 2,62% (1,1% yakaderera kupfuura Kukadzi 2018) uye avhareji temu ndeye makore makumi maviri nematatu. 23% yembageji yemba iri pamwero wakasiyana uye 58,2% pachiyero chakatarwa. Yakagadziriswa mwero mogeji yakasangana neyegore mwero kuwedzera kwe41,8%. Ivhareji yemari yemubhadharo pakutanga ndeye 17,4% yezvikwereti zvemumba pamisha inoyerera (ine kuderera kwe2,37%) uye 4,0% yezvikwereti zvakatarwa (3,05% yakakwira).
Chinja muhuwandu hwezvikwereti
Mamogeji ane shanduko mune yavo yemitero mamiriro ndeimwe yedhata yakapihwa neNational Institute of Statistics (INE). Nekuti zvirizvo, yeiyo 6.554 mamogeji ane shanduko mumamiriro avo, 39,8% inokonzerwa neshanduko yemitero. Mushure mekushandurwa mumamiriro ezvinhu, iyo chikamu cheyakagadziriswa-rateti reji inowedzera kubva pa7,7% kusvika pa21,0%, nepo iyo yemari inokwereta yemubereko yakadzikira kubva pa91,3% kusvika pa78,2%. IEuribor ndiyo chiyero icho chikamu chepamusoro chehuwandu hwehuwandu hwehuwandu hwezvikwereti hunoreva, zvese kusati kwachinja (82,1%) uye mushure (72,8%).
Mupfungwa iyi, zvinofanirwa kusimbiswa kuti iyo yekumatanho yeEuropean index, iyo Euribor, ndiyo yakawanda mune siginicha yemabasa anoitwa pamwero wakasiyana. Zvinoenderana nedhata rakapihwa neNational Statistics Institute (INE), mamwe emashandisirwo emitengo anoitwa nerudzi urwu rwereferenzi. Kune rimwe divi, rave rave nekukwira mumwedzi ichangopfuura kubva kune yayo enhoroondo lows. Uye izvo mukuita zvinoreva mashoma emamwe ma euro mukubhadhara kwezvikamu zvepamwedzi nevaridzi veichi chigadzirwa kutenga imba. Ndiine tarisiro yekuti icharamba ichikwira pamusoro pemwedzi mishoma inotevera.
Mhedzisiro nenharaunda
Nharaunda dzine huwandu hwepamusoro hwezvikwereti zvakagadzirwa mudzimba muna Kukadzi ndidzo Nharaunda yeMadrid (6.373), Catalonia (5.448) uye Andalusia (5.179). Nharaunda idzo mari zhinji yakapihwa bumbiro rezvikwereti mudzimba ndiComunidad de Madrid (1.014,5 miriyoni euros), Catalonia (mamirioni 837,6) uye Andalusia (mamirioni 558,6). Iyo Autonomous Communities ine yakakwira kwazvo yegore ese misiyano mumitero yakakweretwa ndeye Principado de Asturias (56,9%), La Rioja (41,3%) uye Castilla - La Mancha (32,6%). Sezvasimbiswa nefungu rekupedzisira iro rakagadziriswa neNational Institute of Statistics (INE).
Iyo Autonomous Communities ine yakakwira kwazvo yegore ese misiyano muhuwandu hwezvikwereti zvemba yaive Principado de Asturias (55,6%), Castilla - La Mancha (43,1%) uye La Rioja (39,3%). Kune avo chikamu, Illes Balears (-19,3%), Comunidad Foral de Navarra (-10,6%) uye Cantabria (-9,3%) vakaratidza zvakashata kwazvo kusiyana kwegore. Mupfungwa iyi, iyo kusiyana kwakasimba izvo zviripo panguva iyoyo kubva kunedzimwe nharaunda dzakazvimiririra kuenda kune vamwe. Kunze kwekumwe kufunga kune chekuita nekukura kwehupfumi hwenyika uye izvo zvinogona kukanganisa kondirakiti yerudzi urwu rwechikwereti kuvanhu.
Mamogeji ane registry shanduko
Nezve huwandu hwakazara hwezvikwereti zvine shanduko mumamiriro avo akanyoreswa mumarejista epfuma zviri 6.554, 12,7% pasi pane muna Kukadzi 2018. Tichifunga nezvemhando yeshanduko mumamiriro, muna Kukadzi inogadzirwa. 4.914 mavhoti (kana kugadziridzwa kwakagadzirwa neiyo imwechete yemari institution), iine kuderera kwegore rose kwe20,5%. Kune chikamu chayo, huwandu hwekutengeserana hunoshandura chinzvimbo (subrogations kune iye akakweretesa) chakakwira 26,3% uye icho chemogeji mune shanduko mumamiriro avo zvaitika. Seimwe yezvinodzokororwa kakawanda mumakore achangopfuura.
Chimwe chinhu icho data iri rakapihwa neNational Institute of Statistics (INE) chine chekuita nacho ndechekuti chine chekuita nekumutsiridzwa kwemusika wekutengesa imba kuSpain. Iko, zvakare mabhanga afunga kuvhura pombi kuti vagone kupihwa basa nevanhu vanoda kutenga furati kubva panguva dzino chaidzo. Nenjodzi yekuti huwandu hwayo hwechikwereti hungakwira mumakore anotevera. Sezvazvakaitika mumakore mitengo kumatambudziko ehupfumi kutenderedza makore 2007 na2008. Zvakare uye nei kutora a real estate bubble mumakore anotevera.
Mogeji shanduko
Iyo yekudzima komisheni, iyo inofanirwa kubhadharwa kune yekare chikamu, kazhinji inosvika ku1% yemari yakamirira amortization uye inofanirwa kutariswa kana uchiongorora kuti zvinobatsira here kana kwete kuita shanduko yesangano. Kune rimwe divi, iyo subrogation Commission (iyo ichabhadharwa kubhangi idzva uye inosanganisira mari senge mutero pane zvakanyorwa zviri pamutemo uye notarial uye marejista fizi) iri pakati pe0,5% ne1% yechikwereti chitsva chiri kurongedza.
Izvo zvikamu izvo zvinowedzerwa nemasangano kuEuribor kumisikidza mhindu yavo pamitero-yemitero yemitero yakadzikiswa zvishoma nezvishoma mushure me "hondo" yaburitswa pakati pemabhangi nemabhangi ekuchengetedza, nekudaro zvirinani zvirinani zvingangobatira. Mamwe mabhangi nemabhangi ekuchengetedza - kunyanya aya ari paInternet - anopa mutsauko we0,28%. Kunze kwehuwandu hwakazara, iyo mogeji iyo fambisa 80% yeakakosha kukosha kwemusha, kunyangwe ichiwedzera kuwanda kuwana zvigadzirwa zvinovhara kukosha kwavo kwese. Chimwe chiitiko chakakanganiswa nerudzi urwu rwechikwereti chigadzirwa kuderera kwemakomisheni, ayo kazhinji kacho anoderedzwa kusvika zero, asi chete mune zviitiko zvekuvhura kana manejimendi.
Yakagovaniswa imba mamogeji
Rumwe rudzi rwezvikwereti zvisina kuwandisa maererano nechipo chiripo mumusika webhangi ndiyo inonzi "dzimba dzakagovaniswa", inotarisirwa kuwana imba neshamwari kana vamwe vashandi, uye iyo yekuhaya inogadzirwa zvakanyanya nevaya vanofanirwa kuenda kune dzimwe nzvimbo dzebasa. Mune ino kesi, mamwe masangano emari akafunga kuivhura kuburikidza nechigadzirwa chine nguva yekubhadhara iyo inosvika makore makumi mana, aine gumi ari iwo mashoma, mune iyo 40% yeiyo kukosha kweiyo imba inogona kupihwa mari.
Mupiro waro mukuru ndewekuti ine yakatarwa nguva yekufarira inosvika kumakore gumi, pamwe nemukana wekuwedzera kana kudzikisa chikamu chekwereti zvichienderana nezvinodiwa nemubhadhari. Mushandisi achafanirwa kubhadhara 10% semberi komisheni, asi kwete pakudzidza. Kunyangwe pari zvino chisiri chigadzirwa chiri mune zvese zvinopihwa nevanopa zvikwereti zvemamogeji. Kana zvisiri, pane kudaro, inooneswa nenzira yakakodzera uye pasi peakanyanya mamiriro ekubvumirana ayo anosiyana kubva kune akajairwa mamodheru panguva yekuwana real estate asset. Kune rimwe divi, haisi maitiro akajairika mutsika dzevashandisi vebhengi. Kana zvisiri, zvinokura pasi pehunhu hwayo mukuda kweichi chigadzirwa chemari.
Izvo zvikamu izvo zvinowedzerwa nemasangano kuEuribor kumisikidza mhindu yavo pamitero-yemitero yemitero yakadzikiswa zvishoma nezvishoma mushure me "hondo" yaburitswa pakati pemabhangi nemabhangi ekuchengetedza, nekudaro zvirinani zvirinani zvingangobatira. Mamwe mabhangi nemabhangi ekuchengetedza - kunyanya aya ari paInternet - anopa mutsauko we0,28%. Kunze kwehuwandu hwakazara, iyo mogeji iyo fambisa 80% yeakakosha kukosha kwemusha, kunyangwe ichiwedzera kuwanda kuwana zvigadzirwa zvinovhara kukosha kwavo kwese. Chimwe chiitiko chakakanganiswa nerudzi urwu rwechikwereti chigadzirwa kuderera kwemakomisheni, ayo kazhinji kacho anoderedzwa kusvika zero, asi chete mune zviitiko zvekuvhura kana manejimendi.