Kune nzira dzakawanda dzekuitisa mogeji maitiro, izvi kubva panguva yaunotenga imba uye wotanga kugadzirisa zvinodikanwa kubhadhara kuti uichengete munzira kwayo. Zvese zviito, kubhadhara uye mafambiro aunoita neyako mogeji zvinogona kusarudzwa uye kutsanangurwa se mogeji novations.
Mogeji novations ndidzo zviito zvinoitwa mukati memari yako yekutenga se shanduko dzemari kana kana shanduko mumunhu kune iyo mogeji ndeyake. Izvo zvinotisvitsa kumusoro wenyaya watichataura nezvazvo nhasi: mogeji subrogation.
Tsananguro yeiyo mogeji subrogation
Pakutanga takataura zvinoreva uye chinangwa cheiyo mogeji novations, iyo inogona kuve chero chiito kana shanduko mune yako mogeji chibvumirano, uye pakati peizvi subrogation, iyo inotsanangurwa sekuchinja kana kutsiva kwemuridzi weiyo mogeji.
La mogeji subrogation iyo pachayo inogona kuganhurwa mumhando mbiri dzekuzviisa pasi; kuzviitira wega surrogacy uye chinangwa surrogacy. Izvi zviviri, zvakadaro, zvinoreva zvinhu zvakasiyana: Kana tichitaura nezvekuzvimiririra kuzviitira wega, tinoreva kuti a Shanduko yemubati wechikwereti. Nekudaro, chinangwa chekuzvimiririra chinoreva chokwadi chekuti a Shanduko yemutero weimba.
Kune mamwe maviri madiki mashoma ekuzvidzivirira, asi iwo akakosha kutaura. Iwo ndeemunhu oga subrogations akapatsanurwa kuita zvikamu zviviri.
Subrogations yemunhu ane chikwereti:
Mune urwu rudzi rwe subrogation, zvinonzi shanduko inoitwa neiye ane chikwereti. Chikamu chekubhadharwa kwepfuma chinoitwa uchifunga nezvehumwe hunhu, senge apo mutengesi ane zvikwereti zveimbageji. Iyi irudzi rwechinyakare rudzi rwekuzvionera.
Akakweretesa subrogations:
Yechimiro chakasimukira, icho chinotaura nezve kutora chikwereti chedu uye kuchichinja mabhanga. Rudzi rwekuzviisa pasi runotibatsira kutora chikwereti chedu kubva kubhengi matinaro, nekuchichinjira kubhangi redu rekusarudza kuburikidza neyakaomarara maitiro. Izvi zviri nyore sezvo isu tichizvichengetera isu pachedu yakawanda isingakoshi kubhadhara uye mitero uye kunetsekana sekufanirwa kudzima mogeji, izvo zvisina basa neakakweretesa subrogation.
Zvakare nezve izvo zvataurwa kare, kune mamwe marudzi ezvidzidzo izvo mukweretesi anosarudza kutanga. Idzi ndidzo fungidziro dzekutengesa, umo kutengeswa kwechikwereti kunoitwa, kuchipfuudza kubva kubhangi kuenda kune imwe nzira.
Maitiro ekuisa pasi yangu mogeji?
Kune magwara marinotsanangudza nhanho nhanho pamaitirwo echikwereti chemubhadharo nenzira kwayo, senge iyo inoitwa neConfederation of Consumers and Users, kana CECU, mavanopa rairo yakadzama kune vanhu vane chinangwa chekuita bhangi. changes kana imwe mhando ye mogeji novations pazvinenge zviri nyore, senge kana iyo Euribor isina kusimba kana kudzikira.
Kuberekera mumwe
Kuita shanduko ku mogeji mamiriro, zvinoreva kuti tiri kuitisa ruzha rwekugadzirisa, uye kuti tiite izvi tinofanirwa kuenda kubhangi ratakanyorera chikwereti chedu. Paunenge uchigadzira kugadzirisa Novation, Tingave tichinongedzera kuchinjiro yemari, shanduko munguva yemutero, mari yemubereko yatinobata, mamiriro ezvemari senge amortisation, vimbiso yemunhu inozoshandurwa, zvichingodaro.
Subrogate chikwereti chemogeji
Zvikwereti zvekumba Ivo vanogona zvakare kupinda pasi pe subrogation kana tichida, nekuti kuwana chikwereti chemogeji hakutitadzise isu sevatengi kubva mukuchinja zvinhu, asi isu tinogona zvakare kutora chikwereti ichi ndokuisa mune rimwe bhanga kana isu tichichishuvira icho kune chakanakira kufarira kana imwe mhando. yemamiriro anoenderana nezvaunoda.
Maitiro ekuzvimiririra
El nzira yekuzvidzivirira Inotanga kana tawana bhangi mavanotipa shanduko senge yekuderera yakaderera kana yakareba kwenguva, ichiteverwa nechinyorwa chakanyorwa chinofanirwa kuratidzwa uye kutambirwa. Bhengi rinofanira kubvuma, zvobva zvazivisa iro repakutanga iro mutengi anodisa kuita subrogation, uye ivo vachakumbira mushumo wemari iyo iye ane chikwereti achiri kukwereta, mushumo uyo wenguva yemazuva manomwe achazopihwa kununurwa.
Chinja yako mogeji kakawanda
Mogeji shanduko ishoma, haugone kuenda kubva kune imwe nzvimbo kuenda kune imwe inoshandura mabhangi pese paunoda. Izvi zvinodaro nekuti izvo zvinopihwa nemabhangi kwauri zviri kuchinja, uye kana yako mogeji yakaiswa pasi kazhinji, zvavanopa zvinogona kudzikira zvakanyanya uye nekuwedzera.
Zvichida kuti bhangi rakatanga yako mogeji rinokuita iwe a counter proposal parizvino ivo pavanoona kuti urikuronga kuita mari yekutenga imba, izvi kuti zvienzane kana kusimudzira kupihwa kwawakapihwa nebhangi idzva uye kuratidza kuti vanofarira kuti iwe ugare nebhangi irori uye usingachinje. Mune ino kesi, isarudzo yemutengi kuti agare here nebhangi razvino kana chinja chinzvimbo.
Matipi Ekubudirira KweMbozha Subrogation
Zvataratidza zvese zvataurwa pamusoro, isu tave kuziva iyo Zvinoreva zvemogezi subrogation, Isu tinoziva maitiro ekutevera kana isu tichifarira kuchinja bhangi uye nzira idzo bhangi ringaite nemamiriro akadaro. Asi unotangira papi chaipo? Inoitwa sei nenzira kwayo? Tevere isu tinokupa iwe anoshanda matipi ekuti uite iyo subrogation yeako mogeji nenzira kwayo uye nyore
Unotangira papi?
Hazvisi zvakanaka nguva dzose kuita mhando idzi dzekuchinja, nekuti izvi zvinogona kukonzera mutengo wakakwirira kwazvo kubvira kumabhangi, kurasikirwa nevatengi ndicho chinhu chakaipisisa chingaitika. Rangarira kuti yako mogeji ndeyako, uye haufanire kubvunza kubhangi mvumo yekutora uye kuchinjira kune rimwe bhangi. Ramba uchifunga kuti kuti iro bhangi nyowani rikugamuchire iwe, iwe unofanirwa kunge wakabhadhara kanenge makore matatu echikwereti kubhangi rekutanga.
Zvimwe zvekubhadhara
Kuitisa imba yekuchinjisa hakusi mahara. Rangarira kuita kuverenga zvisati zvaitika kuitira kuti mutengo wekupedzisira usakupe kutyisa kwakanaka, nekuti shanduko yebhangi bhizinesi inogona kukonzera mitengo yakakwira.
Komisheni yekuzvimiririra
Kune mutemo unodzivirira mabhangi kubhadharisa mamwe makomisheni mukati memubhadharo wemogeji, komisheni isingafanire kudarika 0,5% mumakore ekutanga ayo chikwereti chemogeji chinogara, zvichidaro haifanirwe kudarika 0,25%.
Mamogeji ekubhadhara mari anoitirwa zvido zveupfumi kana kuti zvive nyore, bhangi rinogona kutipa mibairo yemitero iri nani uye nekudaro tinobhadhara zvishoma. Asi kune zvekare zviitiko zvekuti isu tinongotungamirwa nemusiyano mutsva waanotipa, uye isu hatifunge nezve ese mamwe masevhisi ekuhaya uye inishuwarenzi inomanikidzwa iyo bhangi inotipinza pamberi payo.
Rangarira kuti mitemo ye subrogation iri kuchinja, saka ita shuwa kuti iwe uri-kusvika-padanho maererano nezvinodiwa nemamiriro izvo mabhangi anokumbira kuti aite rudzi urwu rwechikwereti chembage, zvese izvi kudzivirira bhanga kuti risakushamise nemitemo yekupedzisira iyo iwe wanga usati waziva uye kuti zvinangwa zvekuzvarwa kwako zvinopera.
Misiyano inoshanduka uye yakachipa yemwedzi waMay 2017
Tevere isu tichataura zvimwe zve Yakawanda yazvino kusiyanisa mogeji izvo zvinogona kukufadza, uchiuya kubva kumabhangi ayo anopa zvinonakidza zvinopihwa uye mari.
- Liberbank, pamwe neKutxabank, senge ING Direct ndiwo mabhangi anopa zvikwereti zvakachipa, zvine mubereko wakaderera pane Euribor 1%.
- Hipoteca Naranja, ine chido che1,99% TIN, iri pazasi peiyo yapfuura uye ndeimwe yemabhangi ayo anopa zvikwereti zvakachipa pamusika wazvino.
- Banco Sabadell uye ActivoBank vanopa kufarira kwe2.20% uye 1.59% zvichiteerana. Izvi zvinoratidza kuwedzera kwechido chavakambopa.
Mhedziso
La subrogation yechikwereti Tinogona kuzviita nenzira dzakasiyana, zvinoenderana nezvatinoda uye zvido zvemari. Wese munhu anosarudza nzira yavanobata nayo yavo yerudzi rwekuzviisa pasi, pamwe nechero imwe mhando yembageji yekuregedzera matiri kufarira.
Rangarira kuti hausi wega, uye kuti hausi iwe woga uri mumamiriro ezvinhu aunoona pasina nzira yekubuda nayo. Gara uchienda kubhangi rako uye ubvunze nezve chero rudzi rwekusahadzika kwauinako, vashandi vanofara kukubatsira uye kugadzirisa chero chauinacho pamusoro pechikwereti cheimbageti, mitero yemubereko uye kubhadhara
Kwete izvi chete, asi zvinokurudzirwawo kuti iwe ugare uchitarisa painternet mamiriro ezvinhu anowanikwa munzvimbo dzakasiyana dzakadai seEuribor, zviyero zvemari, uye mamwe manhamba anogona kukubatsira kusarudza bhangi raunoda kutanga rako rechikwereti cheimbage. , pamwe nezvikumbiro zvekubhadhara mari uye zvivakwa zvavanopa kune vatengi vavo uye zvinodikanwa zvinodiwa kuti vachinje uye varege kutora mari se subrogation.