Kufungidzira iyi inzira yekutonga kuburikidza nekutengesa kweiyo real estate iyo yakaverengerwa nemubvumirano inotengwa nekuda kwekukanganisa kweanokwereta wezvaanosungirwa nechikwereti chemogeji. Unogona gadzira zvisingadiwe mhedzisiro mune avo vakawirwa uye kusvika padanho rekuti vangarasikirwe neimba inova chinhu chekuvhiya uku. Kuva chiitiko chakapararira panguva yedambudziko rehupfumi muSpain.
Kubva pane ino yepakati mamiriro, zvichave zvakafanira kufunga kuti mumwedzi iri kuuya pachave ne kuwedzera kutsva mumutengo wezvikwereti yekutenga imba, zvinoenderana neBank of Spain ongororo. Iko kunoratidzwa kuti iyo yakashandiswa kufarira iri pamatanho aGunyana 2015 mushure mekuve inodhura kwemwedzi misere yakateedzana. Izvi mukuita zvinoreva kuti vashandisi vachatofanira kuita basa rakakura remari pakutenga chivakwa uye njodzi dzekusabhadhara dzichavawo dzakakura.
Mune nguva apo kusiyanisa rate rategeji ivo vakawedzera huwandu hwezvibereko zvavo nezvikamu zvishoma zvegumi muzana muzana zvichienzaniswa nemitengo yemakore apfuura. Mushure mekunge mave pazvaiitika zvemberi kwenguva yakareba uye nebhenefiti yekuti kubhadhara kwemwedzi pamwedzi kunenge kuchikwanisika pane zvaunofarira. Nepo pane izvo zvinopesana, pane iko kudzokorodzwa mune yakatarwa-rateti mogeji, idzo idzo dzinochengeta yakaenzana chiyero chemari muhupenyu hwese hwechikwereti. Chero chii chinoitika mumisika yezvemari kuitira kuti nenzira iyi, tizive nguva dzese zvatichazofanira kubhadhara pamwe nekushanda kweaya maitiro.
Foreclosures: Mhinduro
Imwe yekiyi yekusasvika kune ino isingafadzi mamiriro inoenderana nekutevedzera zvisungo mushure mekugadzwa kwechikwereti chemogeji. Muzviitiko zvakawanda zvinokura nenzira iyi, asi kune vamwe hazvigone kutarisana nemari idzi Uye pakupedzisira iwe unouya kumamiriro ekufanotaura. Kuedza kusasvika pamatanho aya ticha kupa akateedzana matipi ekugadzirisa mogeji nemazvo uye kuti hatifanire kupa ichi chigadzirwa chemari kune chero emamiriro ezvinhu angamuka.
Zano rekutanga nderekuti usati wakumbira chigadzirwa ichi kuti uwane imba, mamiriro emabasa evanomhan'ara anoongororwa. Ndokunge, kana yako chibvumirano chebasa hachigumi kana zvinopesana, ndezvenguva pfupi kana kunyangwe zvikabatanidzwa mukati meboka revashandi vanozvishandira. Muzviitiko zvekupedzisira, zvichave zvakanyanya kuomarara kugona kutevedzera iwo mamiriro ezvinhu eiyo mogeji. Nekuti hapana mari inovimbiswa uye chero nguva mamiriro ezvinhu asingadiwe anogona kuitika: kusakwanisa kubhadhara zvikamu zvemwedzi.
Ongorora muhoro wemubhadharo
Chimwe chinhu chinofanirwa kuongororwa kubva ikozvino zvichienda ndechekuti chine chekuita nebasa rekuita. Pane mutemo wegoridhe unoti iwe haufanire kubhadhara pane iyo mogeji vanopfuura makumi mashanu muzana pavari. Hazvina maturo zvichave zvakafanira kuverenga pakubhadharwa kwechikafu, mari yemunhu, kuchengetedza mota, mabhiri epamba, inishuwarenzi, nezvimwe. Kubva pane ino maonero, hapana chikonzero chekumhanyisa chinodikanwa maererano nehuwandu hweye mogeji. Nekuti mune yepakati nepakati yakareba inogona kuburitsa zvisingafanoonekwi mhedzisiro uye izvo zvinogona kutungamira kune isingabhadhare mamiriro mune ichi chigadzirwa chebhangi.
Ndichiri kune rimwe divi, makore e hukuru mukambani ndeimwe yedhata iyo ichave yakakosha kwazvo kutarisa kana tichizokwanisa kutarisana nekudzoka kwechikwereti chakapihwa. Izvo hazvina kufanana kune mushandisi achangopinda mukambani yako kupfuura uyo anga achiita mabasa avo ebasa kweanopfuura makore gumi. Mupfungwa iyi, zvakakosha kuti uve nemuganhu wekuvimba mukambani matinokudziridza basa redu rehunyanzvi. Chero zvazvingaitika, zvinowanzove zviri zvezvimwe zvinhu zvinoita kana zvisingadiwe zvekukweretesa kunoitika.
Kondirakiti inishuwarenzi yezvikanganiso
Mhinduro kune iri dambudziko rakakosha kunyorera mutemo wezviitiko izvi uye izvo zvinovimbisa kuti isu tichakwanisa kuzvibhadhara kana paitika tsaona kana kunyanya kana tikaramba tiri mamiriro asina basa. Chero zvazvingaitika, haizove yemahara mashandiro asi, zvinopesana, isu tinofanirwa kubhadhara muripo mwedzi wega uye kusvika yapera. Kune huwandu huchaverengerwa pane chakakweretwa huwandu uye izvo zvinowanzo zvisingapfuure mazinga e200 euros pamwedzi. Icho chigadzirwa chinosarudzika kune vanonyorera cherudzi urwu rwemari.
Rudzi urwu rweinishuwarenzi runoshanda chaizvo kana isu tisisiri pabasa kuitira kuti nenzira iyi tigone kuenderera nekubhadhara muripo wemwedzi wechikwereti chemogeji. Mune ino mamiriro, zviri nyore kwazvo kuinyorera kana pasina zvachose kuchengeteka nezve hupenyu hwedu hwekushanda. Chero zvazvingaitika, inofanirwa kufungidzirwa nemutengi iye, haana kumisikidzwa zvisingaite nebhangi sezvo ichigona kuita zvisina kufanira mune zvavanoita.
Yakareba yekubhadhara mazwi
Imwe kiyi yekudzivirira kupindirwa mune yakasarudzika mamiriro kunoenderana nekusarudza ipfupi yekubhadhara nguva. Ichokwadi kuti muzvikamu zvepamwedzi imwe mari ichabhadharwa, asi kwenguva pfupi. Nenzira iyi, pakupedzisira mari shoma ichabhadharwa mubereko uye saka mogeji unenge wakachipa. Ndichiri kune imwe, iri zano rakareruka kwete rekusimudzira huwandu hwechikwereti kune avo vanonyorera mukirasi yezvigadzirwa. Zvinonakidza kwazvo kuti iwe utarise chinhu ichi usati wasaina kondirakiti.
Kune rimwe divi, chokwadi chekusarudzira aya ekukurumidza ekubhadhara mari chinogadzira izvo kusava nechokwadi kuitira kuti chikwereti chisakwaniswe kubhadharwa chichava chidiki. Zvichava nyore kuronga marapirwo atinozotorerwa isu nechikwereti chemogeji. Nekuda kweizvozvo, zvichave zvakati omei kusabhadhara mari yacho uye mubereko wayo unoenderana. Kubva pane chero mhando yekusvika nevashandisi. Zvinogara zviine pundutso kuhaya a nguva yekubhadhara yemakore gumi nemashanu kupfuura mumwe makore makumi matatu kana makumi matatu nemashanu. Iko kunogona kuti matambudziko ave makuru kubva zvino zvichienda uyezve izvo zvinounza kusahadzika kwakawanda pamusoro pekuti ungatarisana sei nemari kusvika dzave kukodzera.
Foreclosures
Huwandu hwekunyoreswa kwezvitupa zvekufungidzira zvakatangwa muzvinyorwa zvezvivakwa mukota yekupedzisira ye2019 ndi14.669, inova 6,4% pasi peiyo yapfuura kota uye 2,1% kupfuura mukota imwechete ye2018, zvinoenderana neazvino dhata yakapihwa neNational Institute of Statistics (INE) zvichibva pa Statistical report pamusoro peForeclosures (EH). Iko kunoratidzwa kuti pakati pedzimba dzevanhu vane kubvutwa, 1.490 inowanzo chivakwa (27,4% yakaderera pane mukota imwechete ya2018) uye 528 haisi tsika yekugara kwevaridzi (14,8, XNUMX% pasi).
Foreclosures account inokwana 50,1% yezvose zvakafungidzirwa mukota yekupedzisira ya2019. 10,2% yezvose zvakatemerwa dzimba dzekugara dzevanhu. 36,3% inoenderana nekugara kwevanhu vepamutemo (29,6% yakakwira kupfuura mukota yekutanga ya2018) uye 3,6% kune dzimwe dzimba dzevanhu (14,8% yakaderera pane mukota yekutanga ya2019). Kune avo chikamu, kufungidzirwa mune mamwe madhorobha (nzvimbo, magaraji, mahofisi, makamuri ekuchengetera, matura, zvivakwa zvekugara, zvimwe zvivakwa uye mashandisirwo emumaguta) account ye37,5% yehuwandu.
Yakagadzirwa padzimba nyowani
Chirevo chakaitwa neNational Institute of Statistics (INE) inosimbisa kuti 22,9% yezvakafungidzirwa munguva yakaongororwa iri mudzimba nyowani uye 77,1% pane dzakashandiswa. Huwandu hwekufungidzirwa pamisha mitsva inowedzera 49,2% pamutengo wepagore uye neuyo wakashandiswa 0,1%. Nepo kune rimwe divi, 23,1% yezvakafungidzirwa zvakatangwa pekugara mukota yekupedzisira zvinowirirana nezvikwereti zvakagadzirwa muna 2007, 15,8% kusvika kuzvikwereti zvakagadzirwa mugore ra2008 uye 13,1% kusvika kuzvitoro zvegore ra2006. Nguva iri pakati pa2005 na2008 inokwana 59,9% yezvakafungidzirwa zvakatanga kota ino.
Chirevo chepamutemo chinotaura zvakare kuti panguva ino nharaunda dzine huwandu hwakanyanya hwechitupa chekufungidzirwa pamusoro pemapurazi mukota yekutanga vari Catalonia (3.169), Valencian Community (2.914) uye Andalusia (2.172). Kune avo, Comunidad Foral de Navarra (44), Paí Vasco (55) naLa Rioja (62) vakanyoresa iyo yakaderera nhamba. Panyaya yekugara, Catalonia (1.633), iyo Valencian Community (1.524) uye Andalusia (1.182) vanopa huwandu hwepamusoro hwekuurayiwa. Uye kune rimwe divi, La Rioja (11), Comunidad Foral de Navarra (21) naPaís Vasco (34) ndivo vakaderera muchikamu chino chekufungidzirwa kwezvivakwa.
Iko kunoratidzwa kuti pakati pedzimba dzevanhu vane kubvutwa, 1.490 inowanzo chivakwa (27,4% yakaderera pane mukota imwechete ya2018) uye 528 haisi tsika yekugara kwevaridzi (14,8, 59,9% pasi). Iko XNUMX% yezvakafungidzirwa zvakatanga kota ino yakaiswa.