Imwe yezvinangwa zvikuru muhupenyu hwomunhu chero upi zvake ndeye kutenga kana kutora imba, kunyanya kune avo vechidiki vanoda kuzvimiririra kubva kuvabereki vavo, kana zvakare kune vechidiki vakaroora vanoda kutanga imba.
Nekudaro, chirongwa chikuru chehupenyu chave zvishoma nezvishoma mumakore achangopfuura, kurota kusingaitike kune vazhinji vepakati uye vepasi vanhu veboka, uye chokwadi ndechekuti parizvino hazvichisiri nyore kudaro. kutenga chivakwa, kunyanya semhedzisiro yedambudziko rakakura rezvemari ra2008, umo mabhanga mazhinji pasirese akazviwana mune imwe nhanho, chaizvo nekuda kwedambudziko redzimba, saka kubva panguva iyoyo zvichienda mberi, vakatanga kudzikisa kuyerera kwezvikwereti uye zvikwereti, kubva padiki-diki kusvika kumari hombe yekubhadhara mogeji.
Zvino, mabhangi masangano ari kunyanya kuzeza kuburitsa zvikwereti kune vatengi vayo, nekuti ivo vanofanirwa kuve nehunhu hwakawanda uye kutevedzera maitiro ayo asingawanzo kuvharwa nevazhinji vashandisi.
Aya mamiriro akaomesa basa revatengesi vezvivakwa munzira dzakawanda, nekuti ivo vanofanirwa kuchinjira kumitemo uye zvinodiwa nemabhangi, zvine chekuita nekugona uye solvency yemari yevatengi vavo.
Nechikonzero ichi, zvave zvakakosha kuti mumiriri wezvivakwa ave nemhando yezviridzwa uye maturusi anovatendera kuti vaongorore misiyano yese yakatenderedza hupfumi hunhu hwevatengi vako uye nemitemo iyo mabhangi anoda kuti abhadhare mogeji.
Basa revatengesi venzvimbo
Mumiriri wezvivakwa Ndiye munhu chaiye uyo anopa ekupa mazano uye kuyananisa masevhisi, pamwe nemanagement pakufamba kwekutengesa, kubhadharisa kana kuchinjisa zvivakwa, pamwe nekodzero dzese nezvisungo izvo zvinosanganisira rudzi urwu rwekutengeserana.
Muchidimbu, mumiriri wezvivakwa ndiye munhu anozotungamira anofarira kutora chivakwa kuburikidza neese epamutemo, ehunyanzvi uye anodzidzisa maitiro anodikanwa kuve nechokwadi chekutenga zvinobudirira uye pasina kunetsekana kukuru.
Ehezve, chinhu chinokurudzirwa kwazvo kune chero munhu asina ruzivo nerudzi urwu rwekutenga nderekuhaya masevhisi eanisiti yezvivakwa kuti zvitorere mapepa ese kwaari, kusanganisira chikumbiro chekutenga chikwereti pamberi pebhangi, kutsvaga chivakwa chiri pakati pesarudzo dzakasiyana siyana, pamwe nekutungamira kweruzivo rwese rwakakomberedza mirau nemaitiro epamutemo, kuitira kuti vape mutengi sarudzo inokodzera kwazvo bhajeti yavo uye zvavanoda, kuwana chiyero mune ese akasiyana aya kuona kugutsikana kukuru kwevanhu vane zvivakwa zvavo zvitsva.
Nei uchienda kune mutengesi wezvivakwa kana iwe uchikwanisa kuitisa yega kutenga nekutengesa maitiro uri wega?
Mazuva ano kwave kukoshesa chikamu chakakura chevanhu kuti vadzivise mari dzisiri madikanwa dzemarudzi ese, nekuti hupfumi hwepasi rose hausati hwagadziriswa zvakakwana, uye vagari havasati vanzwa kuchengetedzeka zvakakwana kuti vashandise mari inodarika izvo zvakafanira.
Nekudaro, zvakakosha kuti utaure kuti kuisa mari mune real estate agency haisi mari isingakoshe, asi zvinopesana, inogona kupa akawanda rubatsiro rwemari, hunhu hwaunogona kuzviongorora nekuzvisimbisa iwe paunofunga kuita wega kutenga nekutengesa imba wega, nekuti ndipo paunoona kuti kuita kutengeserana hakusi nyore uye kunogona kutungamira mukutenga imba inoguma. kusaita zvaunotarisira, uye kuti pakupedzisira unozopedzisira wave wakadhura zvakanyanya uye nechikwereti chembare icho munguva pfupi inotevera chingave chisingabhadharwe nekuda kwekushayikwa kweruzivo nezve akasiyana mabhangi uye zvirongwa zvemari zvinopa izvi zvemhando yekutengeserana, data iro Rechokwadi varidzi venzvimbo vakatofungisisa uye mavo vane ruzivo rwakakura, mamiriro ezvinhu avasingakwanise kuchengetedza nguva nemari yakaringana, zviwanikwa izvo nhasi zvakakosha kune chero munhu.
Nekudaro, uchipiwa mabhenefiti akati wandei anogona kubhadharisa real estate agency, chokwadi nezvenyaya iyi ndechekuti vanhu vazhinji havana chivimbo kana zvasvika pakusarudza imwe yesarudzo idzi, semumabhizinesi ese eIri mhando, mukana wekuve kubiridzirwa nekambani yeshell inogara yakavanda.
Nezverunyararo rwepfungwa rwevanogona kutenga, zvinofanirwa kutaurwa kuti kuSpain iyi haisi mamiriro ekufunganya nezvayo, nekuti munyika vatengesi vezvivakwa vanofanirwa kunyoreswa mu Real Estate Agents Registry, inishuwarenzi kuburikidza nekwanisi manejimendi manejimendi uye mashandiro eanoshanda emhando dzerudzi urwu anogona kubvumidzwa, nekudaro kuve nechokwadi chekujeka kwenzvimbo yezvivakwa, uye nekudaro kuvimbisa kuchengetedzwa kwevatengi.
Neiyi nzira, kana iwe uine kusahadzika kana uchiongorora mukana wekukumbira masevhisi esangano rekutenga chivakwa, unogona kugara uchiongorora mamiriro ezvinhu akati mubato muReal Estate Agents Registry, muviri waunogona kubva kwekupokana kupi uye nekudaro simbisa manejimendi akanaka ezvehupfumi nezvechikwereti zviwanikwa nazvo.
En pocas palabras, kuvimba nesangano rezvivakwa kwakakosha nekuti iwo masangano anotova nehunyanzvi chaihwo, akagadzirwa pamusoro penyaya zhinji uye makore ekudzidzira muzvinhu izvi, izvo zvinoguma neruzivo rwakadzama uye rwakasimba rwekutenga, kutengesa uye kukoshesa zvivakwa, ndosaka zviri zvechokwadi Izvo zvinobudirira sevhisi kana uchitenga imba, kunyanya.
Mortgage simulators: chakakosha chishandiso kune real estate vamiririri
Chokwadi unoshamisika kuti a real estate mumiriri anoona zvinodiwa nevatengi vavo uye yakanakisa yekutenga sarudzo yavanowana.
Ehezve, ruzivo chinhu chakakosha, zvisinei, varidzi vezvivakwa vane zvakare nhevedzano yezviridzwa zvinoomesa basa ravo, aya ndiwo simulators kuti iwo maturusi anobatsira kuverenga mogeji dzevatengi, zvinoenderana nekugadziriswa kwavo kwemari, yavo kiredhiti mamiriro kumabhangi, izvo zvavari kuda kubhadhara uye kuti zvinhu izvi zvinogadziridzwa sei kune zvavanoda; Zvese izvi hunhu hunofanirwa kuve nemumiriri weimba yekutengesa zvivakwa vasati vapinda mumhando idzi mune yavo yekugezera simiti, ndosaka zvichiri kukosha kuti uende kumasangano aya, nekuti vane ruzivo rwekudzidza zvese izvi zvakadzama., Nechinangwa kuti yako simulator inogara ichivimbisa isu yakanakisa sarudzo inowanikwa.
Ndeapi akanakisa emamogeji simulators kuSpain
Panguva ye kumbira chikwereti chemogejiZvinogara zvichinyanya kukosha kufunga nezvezvakasiyana zvezvinhu zvinotibvumidza isu kuva neruzivo rwekutanga rwekuti chikwereti chakadai chingatitorerei, uyezve tozosvika kune vezvivakwa agency kuti tinzwe zvirinani mazano kana sarudzo dziripo.
Kuti uwane nzira yekutanga kune iyo mogeji wechikwereti, akasiyana emari intuition anogara achiisa macalculator avo kana simulators pamapuratifomu avo akasiyana kuti tikwanise kuunganidza ruzivo nenzira yekutanga.
Nekuti pane zvakawanda zvingasarudzwa zvinounzwa kwatiri paWebhu, zvakakosha kuti uve neruzivo rwekuti ndedzipi dzakanakisa, kuti uwane ruzivo rwakajeka uye rwechokwadi.
Nekudaro, inotevera runyorwa rwevamwe vakanakisa mogeji simulators muSpain inopihwa:
- Kutxabank mogeji simiti
Kutxabank simulator yakanaka uye imwe yeakanakisa parizvino, iyo yaunogona kuverenga iyo yemwedzi kubhadharwa kwechikwereti chemogeji.
- BBVA mogeji simulator
Neiyi simulator iwe unozogona kuverenga iyo yemwedzi kubhadharwa kweiyo mogeji mune inopfuura miniti.
- Mogeji simulator Ing:
Iyi yakanaka yekudyidzana simulator, iyo iwe yaunogona kuverenga iyo yemwedzi kubhadharwa kweorenji Mortgage muminiti imwe chete.
- La Caixa mogeji simulator
Iyo la Caixa mogeji simulator inokutendera kuti uongorore kuti ndeupi rudzi rwechikwereti chinonyatsokodzera chimiro chako kana icho chemutengi wevamiriri vezvivakwa.
- Unicaja mogeji simulator
Iyi yakanaka simulator yekuziva iyo yemwedzi kubhadharwa kweye mogeji.
- Idealista Mortgage Simulator: Calculator
Imwe yakanaka simulator kuziva iyo mari yauchabhadhara pamwedzi yeimba.
- Bhanga reSpain Mortgage Simulator: Calculator
Iyi Bhengi yeSpain simulator inokutendera iwe kuverenga kwete chete pamwedzi kubhadhara kwechikwereti chemogeji, asiwo musiyano wemari inofanira kubhadharwa kana chikwereti chemubereko chikachinja muchikwereti chose, izvo zvinoita kuti simulator iyi chishandiso chinobatsira kwazvo pakuronga mogeji. .
- Bankia mogeji simulator
Nesarudzo iyi, iwe unofanirwa kungoisa iyo data rakakumbirwa kubva pawebhusaiti, iyo yaunogona kukurumidza kuwana zvese zvakatemwa uye zvinosiyana fizi.
- Santander mogeji simulator:
Pano unogona kuverenga chiverengero chekutora chikwereti asiwo izvo zvinoshandiswa zvine chekuita nazvo.
Mamwe simulators ari nyore uye anowanikwa kushandisa
- Sabadell mogeji simulator
- Bankinter mutero wechikwereti simulator
- Banco Yakakurumbira mogeji karukureta
Mhedziso
Ichokwadi kuti kubatira a mogeji chikwereti ibasa rakakura, chiito chinofanirwa kufungidzirwa uye kurongwa zvakanyatsonaka, sezvo chikamu chakakosha chenguva yedu yemberi chinoenderana nazvo. Kuenda kune real estate mumiriri kunogona kuve kwekubatsira kukuru sezvo ivo vane akanakisa emamogeji simulators uye ruzivo rwekutipa isu akanakisa sarudzo aripo.
Nekudaro, aya simulators aripowo padandemutande kuitira kuti tikwanise kuzvishandisa uye tiwane pfungwa yekutanga yemabhajeti atinogona kubata.