Chimwe chezvigadzirwa zvebhengi zvinonyanya kuzivikanwa kune vese ndezve iyo mortgage. Iyo fomu yemari inoenderana nechero chivakwa chinozivikanwa nekufambiswa kwemari yemari iyo, gare gare, inofanirwa kudzoserwa nguva nenguva nechimbadzo.
Asi chii chaizvo chiri mogeji? Unhu hupi hwayo? Kune akawanda marudzi? Pamibvunzo iyi yese, uye mimwe mizhinji, ndiyo yatiri kutaura nezvayo inotevera.
Chii chinonzi mogeji
Zvinoenderana neBhangi reSpain, iyo mogeji ndeiyi:
"Chikwereti chine muripo unovimbiswa nekukosha kweimba."
Kune iro chikamu, iyo RAE (Royal Spanish Academy) inoitsanangura se:
"Ichokwadi kodzero iyo mitero inobatika zvinhu, kuzviisa pasi kupindura kuitira kuzadzikiswa kwemari inosungirwa."
Isa zvakapusa, iyo mogeji ndeye Chibvumirano pakati pemukweretesi (icho chinowanzo kuve bhangi) uye mushandisi mune iye mukweretesi ane kodzero yekuchengeta iyo yemutero aseti iyo inovimbisa iyo mari yavanokukweretesa iwe.
Semuenzaniso, fungidzira kuti iwe unoda kutenga imba asi iwe usina mari yakakwana yekubhadhara zvese. Wobva watendeukira kune wakakweretesa kana kubhangi iyo inobvuma kukupa iyo mari kuchinjana yevimbiso (kana mogeji) yeimba yauri kuzotenga. Mukudzoka, uchafanirwa kudzorera mari yaakakweretesa iwe pamwe nechimbadzo mukati menguva yakatarwa. Ukasadaro, chibvumirano icho chinopa simba kumukweretesi wekuchengetedza imba yako.
Tinogona kutaura kuti chikwereti chekwereti ndeyechokwadi, nekuti zvinova nechokwadi chekuti munhu ane chikwereti achabhadhara uye, zvikasadaro, mukweretesi achave nenzvimbo inovimbisa mari yaakabhadhara kune iye ane chikwereti.
Imba yechikwereti vs mogeji
Aya mazwi anowanzofungidzirwa kuti akafanana, ndiko kuti, anoreva chinhu chimwe chete. Uye zvakadaro, chokwadi ndechekuti izvi hazvisizvo. Kune rimwe divi, iyo mogeji inzira yekuchengetedza umo mukweretesi uye mukweretesi vanoita. Asi, kune rimwe divi, chikwereti chemogeji imari iyo bhangi, kana bhanga bhizinesi, rinokweretesa mari kumutengi kuitira kuti adzokere kumba.
Mune mamwe mazwi, nepo chikwereti chemogeji ndicho chakapihwa nebhangi kana bhangiPanyaya yeye mogeji, mukweretesi harisi bhangi, asi munhu. Iyi mogeji inofanirwa kunyoreswa muPfuma Rejista sezvo, kana ikasaitwa, inenge isina kukosha kana kubhadhara kwemari yacho kuchizodiwa.
Zvinhu zvinogadzira mogeji
Paunenge uchitaura nezvezvikwereti, iwe unofanirwa kufunga nezve zvimwe zvinhu zviri chikamu cheiyi pfungwa. Are:
- guta. Ndiyo huwandu hwemari hunokumbirwa kubva kune waakweretesa uye hunofanira kudzoreredzwa kuburikidza nezvikamu kana nguva nenguva kubhadhara.
- Kufarira. Ndiyo imwe muzana inofanirwa kubhadharwa kuti ugamuchire huwandu hwemari hunodiwa. Izvi zvinogona kuve zvemhando dzakasiyana.
- Nguva. Iyo nguva yaunofanirwa kubhadhara iyo mari yawakakweretesa kune uyo ane chikwereti pamwe nechimbadzo.
- Mogeji. Imari yechivimbiso inobvumidza munhu kana bhangi rinokweretesa mari kuti ive nekodzero yeimba yezvivakwa kana paine chakasarudzika.
Mhando dzezvikwereti
Iyo mogeji inogona kuve yemhando dzakasiyana. Uye zviripo akasiyana akasiyana anotipa akasiyana terminologies. Nekudaro, akajairika ndeaya:
Zvinoenderana nechimbadzo.
- Yakagadziriswa mwero mogeji. Iyo inozivikanwa nekuti iyo mubereko iyo inofanirwa kubhadharwa kuwedzera kune iyo mari iyo yainokweretesa iwe haizo shanduke panguva yese iyo pakatenderanwa kudzorera iyo mari.
- Mhando dzakasiyana dzechikwereti. Kupesana nevekare, apa pane misiyano muyero yemari, iyo inogona kuve yepamusoro kana kudzikira.
- Yakavhenganiswa mogeji. Idzo ndidzo dzinosanganisa ese maviri marudzi ekufarira, ndokuti, akagadziriswa uye anoshanduka. Nenzira iyi, chimwe chikamu chekufarira chinogadziriswa nepo chimwe chikamu chichava nemusiyano zvinoenderana nereferenzi iyo inowanzove iyo Euribor.
Zvinoenderana nerudzi rwemubhadharo:
- Nguva dzose mari. Iyo ndiyo yakajairika mari yechikwereti nekuti izvo zvaunofanira kubhadhara mwedzi nemwedzi zvinoramba zvichingoitika, pasina muripo wemwedzi uno wekuchinja.
- Mari yehondo. Iko mubhadharo wemwedzi nemwedzi uyo, kunyangwe uchichengetedza iyo yakatarwa fizi, ndedzipi shanduko iri izwi. Semuenzaniso, kana kufarira kuchiwedzera, izwi rinowedzera; uye zvinopesana.
- Mari yekupedzisira. Mune ino kesi, chikamu chekupedzisira chakakwirira kupfuura chinowanzoitika nekuti kune chikamu chechikwereti (chingangoita 30%) icho chinogarobhadharwa pakupedzisira.
- Kufarira chete. Ivo vanozivikanwa nekuti iyo mogeji haina kubvisirwa mari, asi inongobhadharwa chete.
- Kuwedzera mugove. Kusiyana neyokutanga, mune ino muripo unowedzera gore rega rega. Nenzira iyi, iwe unotanga kubhadhara zvishoma wobva wakwira.
Zvinoenderana nemutengi:
- Yechikwereti chevechidiki. Kune avo vari pasi pemakore makumi matatu nemakumi matatu nemashanu ekuberekwa.
- Mogeji yevasiri-vagari. Ivo ndevaya vanogara kwechipiri kunze kwenyika. Mune mamwe mazwi, mutengi haagare kuSpain gore rese.
- Zvemapoka. Kune mhando dzakasiyana, kubva kuvashandi vehurumende, makambani makuru ...
Zvinoenderana nerudzi rwepfuma:
- Mamogeji emabhangi pasi.
- Yeruzhinji kana yakavanzika VPOs. Isu tinoreva dzimba dzakachengetedzwa zviri pamutemo.
- Zvemaguta uye zvigadzirwa zve rustic.
- Zvevhu.
- Kuti uwane imba yekutanga.
- Kuti uwane mari yechipiri pekugara.
Zvinoenderana nehunhu hwayo:
- Subrogration yemusimudziri chikwereti. Zvinoreva kuti chikwereti chemogeji kubva kunzvimbo yemari inofungidzirwa.
- Subrogation yemukweretesi pati. Kana paine kuvandudzwa mumamiriro ezvinhu echikwereti.
- Kubatanidzwazve. Kana zvikwereti zvikabatanidzwa kuita imwechete kuti zvikwanise kuzvibhadhara nezvakanaka zvikuru.
- Reverse mogeji. Ndiyo imwe yakatarisana nevakuru nenzira yekuti vanoisa imba yacho kuchinjana kuwana mari yemwedzi.
- Mari uye yakawanda-yemari mogeji. Izvo hazvikurudzirwe nekuti, mukufamba kwenguva, mari yakawanda uye yakawanda inokweretwa.
Zvinodiwa kukumbira mogeji
Zvichienderana nekambani kana bhangi, mogeji zvinodiwa zvinozochinja, sezvo yega yega inoda kuzadzisa zvinhu zvakati wandei. Asi, kazhinji, izvo zvavachakumbira zvichave:
- Kuti iwe une mari yekuvhara inosvika makumi matatu muzana yeimba.
- Kuti iwe une mari yekukwanisa kubhadhara iyo fizi.
- Iva nebasa rakatsiga.
- Asina chakaipa chikwereti, chikwereti, uye mogeji nhoroondo.
- Ipa zvibvumirano (izvi ndezveungasarudza, vamwe vanozvikumbira uye vamwe havazvibvunze).
Kana iwe ukasangana nezvose zvinodiwa, unogona kuzvikumbira. Kuti uite izvi, zvakanakira kuenda kubhangi kana makambani akazvipira kupa zvikwereti kune vatengi vanozvida.
Zviri kujekesa kwauri ikozvino chii chinonzi mogeji?