Kupa kweregeji kwasimbiswa nemasangano anotarisira kushambadzira izvi zvigadzirwa kuti vatenge imba, mushure mematambudziko neSpanish banking system. Uye kana zvakatooma kuwana mukana wekutora chikwereti, zvakawanda zviripo kana ivo vanonyorera vari ma mileuristas. Kana iyi iri yako chaiyo kesi, iwe uchave uine basa rakaoma kuita kuti kunyorera kugamuchire, nekuti iwe unenge uchinge uchishomeka zvakanyanya nemubhadharo wako wakaderera. Kunze kwekunge iwe uchijoinha nemubhadharo wemumwe wako semhinduro yekutendera iwe kuti uite basa iri.
Asi kubva pakutanga, mubvunzo mukuru uyo vashandi vanotambira kwakatenderedza chiuru euros pamwedzi vanozvibvunza ndewekuti vachazokwanisa here kuwana chimwe chezvinhu izvi zvemabhangi. Zvakanaka, semhedzisiro yekudzikiswa kwemihoro - yakabva padambudziko rehupfumi iro Spain rakapfuura- mamwe mabhanga afunga kudzikisa hushoma huwandu hwemari dzevatengi vavo. Mamwe makore apfuura ivo vaida iyo yemutengo wakakomberedza 3.500 euros kuti chikwereti chipiwe. Parizvino, ivo vanogona kuwanikwa e2.000 euros.
Asi chakanyanya kukosha ndechekuti mamwe masangano emabhengi - kunyangwe aine mazano akasarudzika uye mashoma - akagadzirira akateedzana ezvikwereti izvo ma mileuristas anogona kuita basa iri. Iwe haugone kuwana akawanda, echokwadi, asi zvirinani ivo vane mwero mune yazvino mogeji kupihwa. Uye nenzira iyi, pinda mumusika wezvivakwa uine zvivimbiso zvizere.
Hunhu hweidzi mogeji
Nekudaro, izvi zvigadzirwa zvinosanganisira akateedzana ehunhu hwaunofanirwa kufunga nezvazvo kana uchizotsvaga chero chazvo mumwedzi iri kuuya. Sekutangira, huwandu hwakawanda hunopihwa nemabhangi hausi nerupo nezvikwereti zvakajairika. Kunyange Iwe unogona chete kuwana mari kusvika ku80% yekushanda.
Kunyangwe zano rekushambadzira iri richishandiswa nemabhangi ese kune chero zvigadzirwa zvavo zvemari, uye semhedzisiro yezano neBhangi reSpain kudzikisa huwandu hwekupedzisira hwechikumbiro. Imwe yemhedzisiro iwe yauchacherekedza kare ndeyekuti chero mumamiriro ezvinhu uchave unokwanisa kubhadhara basa rese.
Chimwe chinhu chaunofanira kufunga nezvacho ndechekuti mazwi ekubhadhara achazowedzerwa zvakanyanya kuti aashandise iwo muhoro wako. Saka, iwe uchabhadhara yakaderera pamwedzi kubhadhara, asi kwenguva yakareba. Ndiyo chete mhinduro inogoneswa kuchinjira kune yakaderera mari muhoro. Uye zvechokwadi, zvingave zvinonakidza iwe kuti utsvage yemari modhi iyo inogona kuburitsa yakaderera mari inogona kubhadharwa, uye kana ikaitwa pasina makomisheni (kuvhura, kudzidza, kudzima kwekutanga, nezvimwewo), kana zvimwe zvinoshandiswa mukutungamira kwayo. , ipapo zvirinani kune zvaunofarira iwe pachako.
Ndezvipi zvikwereti zvemamiroristas?
Basa rako rekutsvaga mogeji inochengetedza iyi mitsara yekutengesa ichave yakaoma kunyorera, asi kana ukanyatsoongorora kupihwa kupi kwaunopihwa nemabhangi panguva ino, uchasvika pamhedziso yekuti pane tariro kuti iwe ugone kutenga iyo furati yawaifarira zvakanyanya rimwe zuva, asi wanga usina chokwadi kana uchigona kuita mari yekutengesa.
Ichokwadi kuti iwe hauna zvakawanda zvekusarudza kubva, asi zvirinani iwe uchave nemukana wekubhadhara mari kutenga kuwanikwa kweiyo yakasarudzwa pfuma. Chimwe chezvirevo izvi chinobva kuna ING Direct, iyo inotengesa iyo Orange Mortgage, iyo ndeyevatengi vanobhadharwa zvakanyanya, kana zvirinani ivo vanochengeta hushoma huremu muaccount yavo yekutarisa yakatenderedza zviuru zviviri zveeuros. Ukasangana nezvidiki zvidiki izvi, iwe unowana imwe yeanokwikwidza mogeji zvikwereti pamusika.
Iyo yakabatana neyekuyera yeEuropean, iri nani kuzivikanwa seEuribor, kubva pa0,99%, uye mwero unoshanduka - mushure mekudzikiswa mumwedzi yapfuura - ye1,88%. Chero zvazvingaitika, ndeimwe yemabhengi akanakisa kusaina basa. Uye izvo zvinoreva kuti inoregererwa kubva kune chero mhando yemakomisheni, isina pasi pechirevo chero, uye pakupedzisira haina huwandu hwehomwe mukati megore rekutanga. Iwo ndiwo maratidziro ayo makuru.
Asi haisi iyo yega sarudzo yaunogona kutora kubva pakutanga kwegore ra2016. La Caixa inokupa mumwe mukana, kuitira kuti nemari yako yemubhadharo iwe uite basa rekutengesa zvivakwa, kana ichi chiri chako chishuwo chakanyanya. Mune ino kesi, kuburikidza neBonded Mortgage, iyo inogona kunyoreswa nevatengi vane hushoma mari inosvika mazana matanhatu emadhora.
Iyo huwandu hwechido hwakabatana neEuribor + 1,90%. Asi inogona kudzikiswa kana iwe waita chibvumirano nezvimwe zvigadzirwa nesangano (inishuwarenzi, zvirongwa zvepenjeni, zvirongwa zvekuchengetedza, mari yekudyara ...), kudzamara wasvika kumahombekombe ayo anogona kutariswa nechiyero cheakaundi yako yekutarisa.
Imwe mogeji inoshandisirwa ma mileuristas ndiyo yakagadziridzwa naAbanca, pasi pezita rekuda kuziva reHipoteca Mari Carmen. Uye inowanikwawo kune vanonyorera vasina mari shoma. Icho chikwereti chemogeji icho Iyo inokupa iwe yakamisikidzwa chiverengero chehupenyu hwese hwechikwereti, mushe. Nayo iwe unozobhadhara iyo imwecheteyo fizi kubva panguva yekutanga uye kusvika iwe wavhara chibvumirano. Hapana kunetsekana kana shanduko isingatarisirwi, uye yakanyatsogadziriswa kune iyo tema yaunosarudza, angave makumi maviri, makumi maviri nemashanu kana makumi matatu emakore. Nechibereko chemari inokwana 20%, kwenguva yakareba yekubhadhara makore makumi maviri.
Kana iwe ukasarudza iyi modhi yemari, iwe zvakare uchachengetedza makomisheni ekuvhura, kufunda, subrogation uye chibvumirano kuchinjwa, uye kana iwe ukafunga kupfupisa chikamu kana chese chikwereti chemberi pamberi, chete komisheni yemubhadharo wezvemari yemubereko ndiyo ichashanda.
Chii chavanozokumbira iwe kubvumirana kwavo?
Mukudzoka uchafanirwa kusangana neakateedzana ezvakakosha zvinodiwa kuwana chero yeaya mabhengi zvigadzirwa zvemakiromita. Izvo hazvizonetse zvakanyanya kuzadza, kunyangwe pasina ivo iwe uchazonyatso kuverengera kunyorera. Zviri nyore kuti iwe uongorore kana uchikwanisa kuzviratidza kubhangi, sezvo zvikasadaro, zvingave zviri nani kurega kuedza, nekuti zvese zvaunenge uchiita kutambisa nguva, uye pamwe kunyengedza.
Tsamba yekuvhara, bhangi rinokumbira iwe chibvumirano chebasa, chinofanira kugadziriswa - kunyangwe uri pasi pehuwandu hushoma - kuratidza kugadzikana kwako mukambani, uye kuti unogona kuidzosera mukati menguva dzakatarwa. Iwe unofanirwa zvakare kupa yakazara isina kukwana nhoroondo yekubhengi, pasina zvikwereti, uye kana zvichikwanisika ine hutano yekutarisa account. Uye kana iwe ukaita chibvumirano nezvimwe zvigadzirwa nesangano, zvinonyatso kukubatsira iwe kukwidziridza kubvumidzwa kwechikumbiro chako.
Saizvozvowo, Iwe haufanire kuverengerwa mune chero runyorwa rwevanotadza (ASNEF, RAI, nezvimwewo), nekuti kana zvirizvo, ivo vacharambawo chikumbiro chako kubva panguva yekutanga. Kwete chete nezvikwereti zvakabvumiranwa nezvimwe zvinhu zvebhangi, asiwo nezvikanganiso zvinogadzirwa kubva kune chero bhiri remumba (magetsi, mvura, nhare, magetsi, nezvimwewo). Uye kupedzisa, mune zvese mukana, ivo vachazoda kuti mumwe munhu atsigire kuvhiya. Kazhinji vanenge vari vabereki kana dzimwe hama dzepedyo. Uye izvo zvakapihwa mamiriro asina kusimba aunounza, ivo ndivo vanozo vimbisa pakupedzisira kudzoka kwemari yakadikanwa.
Mamwe matipi ekugadzirisa
Ehezve, haizove iri nyore maitiro ekumisikidza, kure nazvo, uremu kana iwe ukapinza mamwe maitiro ehunhu mairi, iwo anonyanya kubatsira iwe kuzadzisa chinangwa chako. Izvo hapana chimwe kunze kwekuva nechikwereti chemogeji chekutenga imba iyoyo yawakada zvakanyanya kupera kwesvondo rapfuura.
Kunyangwe uchiziva kare kuti mikana yako yekunyorera chigadzirwa chemhando idzi iri pachena kuderera pane kana iwe uchipa mubhadharo we2.000, 3.000, kana kunyange zviuru zvishanu euros. Une mamiriro aya paunotanga kutaurirana nebhangi.
- Kana iwe wakaroora, kana uine mumwe wako, zvichave zvichidikanwa kwazvo kuti iwe uwedzere kudiwa kweiyo mogeji kuburikidza nehupfumi hupfumi hwevanhu vaviri, kunyangwe kana imi mose muri ma mileuristas. Hazvishamisi kuti mikana yekupihwa chikwereti ichawedzera.
- Usaedze kutsvaga zvakawandisa mari yehupenyu hwako, kwete kunyangwe ivo vachibhadhara iko kuita kwese, nekuti haugone kuzviwana chero zvodini. Uye zvakare, ivo havaipe iyo mune ingangoita iyo yese kubhengi kupihwa.
- Kana iwe ukapa bhegi rekuchengetedza kuti uite basa, zvichave nyore kwauri kuti mvumo yako ibvumidzwe, uye uye zvakanyanya kuwanda zvirinani, zvakaringana kuti iwe ugozvimisikidza iwe kune anonyanya kurairwa mazwi emamiriro ako emari
- Iwe haufanire kungopa chete mubhadharo wakatsiga, asiwo izvo uve neimwe yakagadzikana yenguva dzose mari iyo inopa kuenderana kune kwako kukwikwidza. Kunyangwe kana ivo vachibatsirwa nenhaka yemhuri.
- Usaore moyo mukutsvaka mogeji weaya maitiro, nekuti kunyangwe paine vashoma pane avo vanotengeswa parizvino, pachagara paine mukana wevanhu vakaita kwauri vari mune ino basa mamiriro, kunyangwe paine nzira dzakaganhurirwa, uye muzviitiko kunyange dzakaomarara.
- Iwo mamodheru aunowana pasi peichi chinodiwa, Iwo anotengeswa ane akanaka kwazvo mamiriro kune ako zvido, uye avo zvipo zvavo zvinowedzeredzwa nekudzikisira kwakakura mumitengo yemubhadharo yakashandiswa.
- Funga, kune rumwe rutivi, kuti inguva yakanaka yekuita chibvumirano, sezvo bhenji yekuEurope iri pazasi pezvakaitika munhoroondo, kuchengetedza mari yakawanda mukushanda.
- Uye pakupedzisira, edza kutsvaga yakanakisa mamiriro ekuita kontrakiti yako yechikwereti, usingazvikanganise kune zvirevo zvandinokanda kwauri kubva pabhenji rehupenyu hwako hwese.