Iyo mogeji chikwereti chinovimbiswa nekukosha kweiyo imba, zvinoreva kuti chero yemari institution inotipa, maitiro uye inopa chikwereti kune vamwe Zvibereko zvemitero uye garandi inoenderana nekukosha kweiyo chivakwa, mune ino imba ingave imba, kuvaka kana yakaoma.
Iyo inozivikanwa zvakare sechigadzirwa icho bhangi rinopa kune vatengi vayo kuitira kuti ivo vane zvikwereti vagamuchire huwandu hwemari, iyo mune ino kesi iri "Mari yechikwereti", izvi mukutsinhana nekuzvipira kuti mutengi anoita kudzoka kwemari yemari yechikwereti pamwe chete nezvido zvinoenderana zvinoitwa zvinoenderana nekubhadharwa kwe periodic kana zvikamu. Dzimwe mhando dzeakaundi dzinosanganisira dzakasiyana siyana dzevimbiso, asi iyi kunyanya, chikwereti chemogeji, ine vimbiso yekuwedzera yeiyo imba yawanikwa.
En los chikwereti cheimba Pane zvinhu zviviri zvakakosha kuti zviitwe. Yekutanga kuve kondirakiti yembairo yechikwereti iri kutaurwa, uko zvinosungirwa nemunhu ane chikwereti uye zvese mamiriro echikwereti anoonekwa zvakadzama, pamwe nezvikamu, hurongwa hwekubhadhara mari uye zvisungo zvemunhu ane chikwereti. Chinhu chechipiri chinosanganisira garandi rezvikwereti, izvo zvinoreva kuti kana paine kusabhadhara kana munhu ane chikwereti akaramba kubhadhara, mukweretesi anogona kutora kana kutora pfuma kana chivakwa chevakakweretwa mari.
Hunhu hwechikwereti chemogeji, Mutero wemari
- Rudzi rwechikwereti, chikwereti chemogeji, chingatitorere isu sevane chikwereti chakakosha kwazvo kuzvipira mune zvemari mune ramangwana, chakakosha kwenguva refu uye inotakura njodzi yekurasikirwa neyakaenzana, pamwe nekuvimbisa mari inodiwa kuti tiwane imwe.
- Rudzi rwechikwereti chemogeji rinowanzo kuve nemari yakawanda mukuwedzera kune yakareba, sezvo inosanganisira yakawanda mari uye nechivimbiso chakakosha uye chakakosha seyakanaka, yakanaka kana real estate. Usati wawana chikwereti chakakura kudai, njodzi pamwe nekukwanisa kudzima chikwereti ichi chinofanirwa kuongororwa semunhu ane chikwereti, nekuti mari yatinayo inofanira kunge ichidzokororwa uye yakakwana maererano nechikwereti uye kuzvipira kunofungidzirwa. Zvinokurudzirwa kuve neakaunganidzwa ekutanga kuchengetedza uye mambure mari usati wafunga basa rekuva nembairi yechikwereti.
Zvibereko zvemitero izvo zviratidzi zvekuyera purofiti yekutenga kana kutengesa zvinoenderana nenguva. Kana iri mogeji chimbadzo, chimbadzo, kana chikamu chemari Icho chirevo kune chakazara chikwereti kana kudyara. Zvichienderana nemari yemari uye izwi kana nguva yekuisa kana kudzosa, izwi rinopihwa uye kana risina kubhadharwa panenge pasina.
Kune rumwe rutivi, mitero yemubereko ichave chiratidzo cheiyo chikamu cheiyo capital inozoshandurwa kuita bhenefiti, uye mune nyaya yekuve chikwereti, senge chikwereti chemogeji, chichava chikamu chemari ichafanira kubhadharwa. Chinhu chinowanzoitika iko kushandiswa kwekufarira mune gore regore, kunyangwe zvichikwanisika kuti anoiswa semazuva, mwedzi, nhare, kana vhiki. Mari yemubhadharo inogona kuyerwa seyakadaidzwa mari inodiwa kana seyakaenzana yegore. Kunyangwe aya maviri apfuura aine hukama, haana kufanana, kuyerwa uku kunoenderanawo nekutaurirana pakati pemunhu ane chikwereti nemutori, sezvo chikwereti chingave nechido chakasiyana zvinoenderana nekutaurirana uku.
Huwandu hwezvikwereti zvemamogeji.
Iko kune zvakateedzana zvezvinhu zvinotarisisa miganho yeuwandu hwechikwereti chemogeji, zvakare chikamu chinoguma uye iyo yekubhadhara nguva.
Imwe yei zvinhu kukosha kweimba kwakayerwa, iyo inogona kuvhiringidzika pamwe nekutengesa kukosha kweiyo chivakwa. kuvapo mvumo yekuongorora makambani Iwo makambani ane basa rekuongorora kuongororwa, makambani aya anonyoreswa uye anotenderwa mune rejista yeBhangi reSpain. Zvinonzwisisika, huwandu hwechikwereti chemogeji haugone kupfuudza zana muzana yeakakosheswa kukosha, kunyangwe izvi pane mamwe masangano emari anoderedza huwandu uhwu kusvika 100% kana kunyangwe 70% yeakakosha kukosha kwayo.
Yechipiri inosarudza chinhu cheuwandu hwechikwereti chemogeji ndiko kukweretesa kugona kwemunyoreri. Masangano emari anoita ongororo yemari nemubhadharo kuitira kuti ave neruzivo rwebhadhariro dzinogona kuitwa neanokumbira pamwedzi, kana yehunhu hwakatenderanwa, kubhadharwa kwechikwereti chemogeji. Kazhinji mubhadharo wemwedzi nemwedzi haupfuure makumi matatu neshanu% yemari yemubhadharo mushure mekushandisa. Iko kushoma kwe35% yeiyo yakazara kukosha kweiyo imba inokurudzirwa zvine simba, kuwedzera kune gumi muzana pamitengo inosanganisirwa iyo inosanganisirwa nechikwereti chemogeji.
Mari dzinobatanidzwa muchikwereti chemogeji ndedzinotevera:
- Zvibereko zvemitero
- Yakabatana mari.
- Komisheni
Mitero yemubereko.
Kune matatu marudzi emari yemubereko:
- Zvikwereti zvekumba pane mubereko wakatarwa. Mune ino modality, mwero wekufarira hausiyane panguva yakatenderwa nguva yechikwereti chemogeji, pamusoro pekubhadhara kwemwedzi. Kubatsira kunozivikanwa uye nei tichikurudzira iyi modhi ndeyekuti kubhadhara kwemwedzi nemwedzi kuchave kwakafanana uye kucharamba kwakafanana kwenguva yetemu, zvisinei nekuti mitengo yemari yemusika inokwira kana kudonha. Izvo zvinokanganisa ndezvekuti amortization yakaderera pane muyero unosiyana.
- Mogeji zvikwereti ku kusiyanisa kufarira. Aya maitiro anonyorwa zvinoenderana nekukosha kweiyo index index, inogona kunge iri nyaya ye Euribor, pamwe nekupararira kwakamisikidzwa. Iyo fizi ine huwandu hunogona kuvandudzwa kune kukosha kweiyo index iyo inotaurwa. Zvakanakira nekukanganisa kweiyi modality zviri nyore kunzwisisa, sezvo chimbadzo chinokwira, muripo unenge wakakwira, sezvo huwandu hwezvibereko uchiderera, muripo unenge wakaderera kana kudzikira. Izvi zvinosimbiswa nemuenzaniso: kana iyo Euribor iyo inonongedzerwa kune semester iri pa0,55% uye musiyano uri 2%, muhuwandu hwe2,55% mubereko waizobhadharwa semi-gore, kuti kusvika pakuongorora kunotevera, kuwedzera pakuve ongororo yegore.
- Izvo zvikwereti yakavhenganiswa zvikwereti. Ivo ndivo vanonyanya kufarirwa. Kuisa chiyero chakamisikidzwa chechikamu cheiyo nguva yekubhadhara uye nekuisa shanduko yemutengo kune yakasara yetemu. Isu tinokurudzira zvikuru iyi modality, nekuda kwekuita kwayo kwakawanda uye zvakanakira kuti zviga zvedu zvinoratidzwa neEuribor munguva yekudzikira. Kune izvo zvakakosha kuti uzive nezve kusimuka uye kudonha kweEuribor.
Euribor ndiyo bhenji yekuverenga kwemwedzi pamwedzi kuverenga, inoshandiswa mune yakawanda kusiyanisa mwero regeji. Iyi indekisi yakanga iine chiratidzo che2016% munaKukadzi 0,01. Izvi zvinoita kuti tione izvo, dai takasarudza imwe inoshanduka yemamogeji yechikwereti modality, isu tingadai takabhadhara muripo ne2.01% mubereko panguva iyoyo, nguva yakanaka yekusiyana kwechido modality! Kwete? Zvichida, kubva muna Chivabvu 2018 iyo Euribor yakaiswa pa -0,188, zvitongere wega.
Izvo zvinobatanidzwa mari.
ari mortgage loans zvinosanganisira akateedzana emubatanidzwa mari, pakati pawo pane:
- Kukoshesa zvivakwa kana mari yekuongorora.
- Agency yekugadzirisa fizi. Inowanzo mirira 3% yemari yakabhadharwa.
- Mutero wegadziriro yechikwereti nemubhadharo wemogeji.
- Mari dzePfuma Rejista uye gweta.
Makomisheni Zvakakosha kuti uzive kufambira mberi!
Kune iwo ekuvhura, iwo makomisheni ekuvhura anowanzo kuve muzana yemari yakweretwa nenzvimbo yemari. Kune zvekare kune muripo kana zvabviswa zvachose kana kuti zvishoma (amortize), ino mune ino kesi ndeye kubhadhara chikwereti nguva isati yapera. Iyo muripo wekudzikiswa unowanzo kuyedza kubvira kuve nemari yekuwedzera kana mari isingatarisirwe, izvi zvinogona kushandiswa kugadzirisa chikwereti, kunyange izvi zvisingawanzo kuitika sezvo sangano rezvemari richiita kudzidza kune anenge achinyorera kana mutengi, asati apa chikwereti, kutarisa kuitira kuti izvi zvisakwanise kubhadhara chikwereti usati, mushure mezvose chikamu chinopa mari chikwereti chemogeji.
IRPH kana Euribor?
Ose ari mabhenji emitero, kunyangwe mutsauko uripo pakati pezviviri ndewekuti iyo Euribor inoiswa pamwedzi uye inoshandiswa kune mamwe marudzi ezvikwereti mukuwedzera kune mogeji yechikweretiYerudzi rwechikwereti chemogeji, iyo IRPH index inowanzo shandiswa, iyo inoshandiswa kunyanya kuwana dzimba nedzikwereti zverudzi irworwo.
Ndezvipi zviri nani?
Tinokurudzira kugara uchienderana ne fungidziro yekusimuka nekudonha zvine chekuita neEuriborIchi bhenji chinowanzo kuve nezvakawanda kumusoro uye pasi izvo zvinoita kuti chero munhu anzwe kusagadzikana nezvekusarudza senge iri nani sarudzo.
Kunyangwe hazvo iyo IRPH yekuyera bhenji ine mwero wekudzikama unofungidzirwa se "wakanaka", Euribor inotipa madonhwe akanaka, iyi inyaya inogona kukwikwidzwa pamusoro perudzii rwezvikomborero zvatinoda kuwana muzvikamu zvedu zvegore. kubhadhara zvishoma nguva nenguva uye njodzi kubhadhara zvimwe zvakare? Kana isu tinosarudza kugadzikana kunotitorera kumadhigirii akasiyana ekureba asi tisina kusvetuka