Musika wekutengesa dzimba uri kuratidza zvimwe zvidiki musiyano nekutanga kweiyo nyowani, uko yakatarwa reti mogeji ndiyo iri kusimudzira mashandiro akanaka munguva ino. Nepo pane izvo zvinopesana, izvo zvakagadzirwa pamusiyano chiyero zviri kuratidza kuwedzera kuri kuitika mu Chiratidzo cheEurope, iyo Euribor. Kusvika padanho rekuti iko kuri kukwira zvinzvimbo sezvo yakarova iyo-yenguva-dzese nguva ingangoita mwedzi gumi nembiri yapfuura. Nekukura mukupararira kwayo kuri kusimudzira kwakawanda kunoda kubhadhara pamwedzi kubva zvino zvichienda mberi.
Idzo dzichangoburwa dhata data dzinoratidza kuti kunezvikwereti zvakagadzirwa pane huwandu hwezvivakwa, iyo avhareji chimbadzo pakutanga iri 2,61% (5,7% yakaderera pane mwedzi wapfuura) uye avhareji temu yemakore makumi maviri nematatu, maererano neshumo razvino kubva kuNational Institute of Statistics (INE). Iko kunowanikwawo kuti 23% yemari mogeji iri pamutengo wakasiyana uye 64,0% pamutengo wakatarwa. Ivhareji yemari yemubhadharo pakutanga ndeye 36,0% yemitero inowirirana (2,42% yakaderera pane mumwedzi wapfuura) uye 0,7% yemitero yakatarwa (3,07% yakawanda pasi).
Semhedzisiro yeiyi nguva yekubatana, mabhanga ari kutora iyo nyowani nyowani inoratidza mucherechedzo wemusika wekuSpain. Nekusiyana kwemitengo yezvibereko mukirasi ino yezvigadzirwa, uye pazvinoratidzwa kuti kubva zvino zvichienda zvichabatsira tora yakatarwa reti mogeji pane kusiyanisa imwe. Ne kushamisika kuti hakuzove nekushamisika kwerudzi rupi zvarwo kutarisana nemubhadharo wako nekuti iyo yemwedzi muripo ichagara yakafanana, pasina mutsauko. Chero chii chinoitika mumisika yezvemari uye nekudaro ichapa runyararo rukuru rwepfungwa kune vanonyorera ichi chigadzirwa chemari.
Bankinter inofamba tab
Iri bhangi nderimwe revaya vakatamisa chinzvimbo mune zvarinopa kune vatengi varo. Mupfungwa iyi, yakagadzirisa kuti kudzikiswa kwemutengo weyakagadziriswa mogeji kwenguva yemakore makumi maviri ndeye 36 hwaro mapoinzi pamutero wemubereko wakashandiswa kusvika ikozvino. Izvo zviri pane zvinopesana, iro bhangi rinochengetedza risingachinje mitengo yaro nemamiriro mune akasiyana modality. Ichi chiito chinogona kukonzera shanduko mutsika dzevanhu vari kuzotenga imba kubva zvino zvichienda mberi. Nekusiyana kwekupararira kwerudzi urwu rwemari yezvinangwa zvekutengesa zvivakwa.
Bankinter inotanga gore rebhizimusi re2019 nekuderera kwakanyanya muhuwandu hwechido hweyakagadzika-rate regeji uye mu yakatarwa chikamu chemasanganiswa. Uku kuderedzwa uko, kunyangwe kuchisvika pamatemu ese, kwakanyanya kukosha kune zvikwereti zvemari zvine makore makumi maviri emakore, chimwe chevanonyanya kudiwa nevatengi, vane huwandu hwezvibereko zvichave 20% kubva zvino zvichienzaniswa neiyo yapfuura 1,99%, iyo inomiririra kudzikiswa kwemakumi matatu neshanu mapoinzi.
Nekufarira inosvika 2,40%
Nesangano idzva iri, Bankinter yakatarwa reti mogeji ichave seinotevera: 1,65% pagumi-gore izwi; 10% kwenguva yemakore gumi nemashanu; 1,90% mukati memakore makumi maviri; muna 15% pamakore makumi maviri nemashanu; uye pachiyero chemubereko che1,99%, kwenguva yakareba yemakore makumi matatu. Kana zviri zvechiyero chakasanganiswa, icho chinoumbwa nenguva yakatarwa uye, gare gare, chiyero chemubereko chakasiyana kusvika pakupera kwetemu, ivo zvino vangamira pa20% yetemu yegumi-yemakore; 2,30% kwemakore gumi nemashanu; uye 25% yetemu yemakore makumi maviri. Musiyano muiyo tranche inoshanduka ichaenderera kuve, kusvika parizvino, 2,40%.
Iyi mitengo yambotaurwa mune yakatarwa reti mogeji yebhangi iri inowanikwa kune vatengi vanosanganisa mogeji ne kuita kondinendi chigadzirwa: kubatirana Payroll Account, Professional Account kana Isiri-Payroll Account (vese vanobhadharwa neAPR ye5% gore rekutanga uye 2% yegore rechipiri kusvika pamakumi mashanu ezviuru euros), vachiwana inishuwarenzi yeupenyu ye5.000% ye mari yechikwereti, inishuwarenzi yekumba uye chirongwa chepenjeni kana EPSV neBankinter Seguros de Vida, ichipa huwandu hwepagore huwandu hweeuro mazana matanhatu uye kuichengeta ichishanda panguva yechikwereti.
Ivo vanochengeta iwo mamwe makomisheni
Nezve makomisheni anoshandiswa kune idzi mogeji zvinoramba zvakadaro iyo bhangi yakagadza kwenguva yakareba yeiyi modality: kuvhura komisheni ye1%, iine mashoma e500 euros uye kubvisirwa muripo wepasipo, yakazara uye / kana subrogatory amortization ye0,5% mumakore mashanu ekutanga ehupenyu uye 0,25 % zvazoitika, pamusoro pechiyero chemutero muripo we0,75% iyo inoiswa chete muchiitiko chekuti kukanzurwa kwekutanga kunogadzira kurasikirwa kwemari kusangano.
Nekudaro, iyo yakajairika maitiro mubhangi chikamu ndechekuti makomisheni anoenda kuwedzera mumwedzi iri kuuya uye nenzira inofambira mberi. Kunyanya, mogeji dzakabatana nemitengo yemitero. Mune mashoma gumi egumi muzana zvichienzaniswa neyako zvazvino mareti kana zvirinani kubva pamwedzi mishoma yapfuura.
Chinoshanduka mogeji pa0,89%
Nezve kusiana pamitero yezvikwereti, iri rezvemari rinoenderera nekuchengetedza iwo iwo mutengo nemamiriro kubva kutanga kwaGumiguru gore rapfuura: zita rezita rehuwandu yakatarwa mukati megore rekutanga re1,50%, uye kubva musi iwoyo: Euribor + 0,89%. Kune rimwe divi, zvese zvinowirirana uye zvakatemwa reti mogeji zvinogona kubvumidzwa pasi pe "no-more mogeji" modality iyo inosanganisira, nechibvumirano uye pasina chero imwe mari yekuwedzera, iyo dation mukubhadhara.
Chinhu ichi chinoreva kuti kana kusabhadharwa kwechikwereti, muridzi wechikwereti aizopindura chete uye zvega nechero chinhu chakatorwa sechibatiso, icho mune iyo imba imba yakachengetwa pachayo. Vanhu vanogara muSpain na mari yemwedzi pamwedzi pamusoro pe2.000 euros, uye kwairi kuenda mari ndiko kutenga kwekugara. Mune izvo zvinoumbwa seimwe yemafomati matsva ayo ari kutanga kuvandudzwa negore idzva. Kunze kwekumwe kufunga kwehunyanzvi kuri kutora nzvimbo muchigadzirwa chebhangi chakakumbirwa nevashandisi veSpanish.
Yakakwira kwazvo mitengo yemba
Zvinoenderana nechinyorwa chechinomwe cheING Home uye Mortgage Survey "Imitengo Imba Yakanyanya Kukwirira Here?" 63% yevaEurope vanotenda kuti mitengo yemba icharamba ichikwira mumwedzi gumi nemiviri inotevera. Uyezve, inopfuura chetatu yeavo vakaongororwa havatendi kuti vanogona kuve muridzi wemba. Chirevo ichi chinoratidza kuti kazhinji, mitengo yemba inosanganiswa nekukanganiswa ne mamiriro emusika emuno. Nekudaro, vagari vazhinji vekuEurope, zvisinei nenyika, vanofunga kuti mitengo yemba mavanogara yakanyanya kukwirira.
57% vanotenda izvozvo dzimba dzinodhura, uye kota (21% mune yechiSpanish kesi) vanonetseka kubhadhara yavo renti kana mogeji mwedzi wega. Padanho reEuropean, varimi vane mukana wakanyanya kupfuura varidzi vedzimba kutsanangura dzimba munyika mavo dzinodhura (62% vs 55%) kana kusarongeka (32% vs 22%).
Chinja muhuwandu hwekufarira
Kwemakore gumi apfuura, zviyero zvemubereko zvave zvakadzikira, izvo zvakabatsira kutyaira mitengo yemba kumusoro zvichikuomesera varidzi vedzimba kupinda. Mupfungwa iyi, 72% yevaEurope vakaongororwa, 80% muchiitiko cheSpain, vanotenda izvozvo zvakaoma kuwana imba kune vekutanga-nguva vatengi. Vazhinji (65% paavhareji muEurope vachienzaniswa ne68% muSpain) vanotaura kuti mamiriro aya awedzera kubva 2015.
Iko imwe yeakakura iri kuwana zvikwereti zvemamogeti zvinovhara mitengo yakakwira inogara muSpain. Kunze kwemisiyano inoshandiswa nemabhangi, pamwe neiyo makomisheni uye zvimwe zvinoshandiswa mukutungamira iyo inotakura izvi zvakakosha pakati pemhuri dzeSpanish.
Kunyangwe hazvo zvakadaro zvinoita sekunge kusiyanisa rate reti mogeji hakuratidze mutsauko wemakore apfuura. Nekuda kwekuchinja kweshanduko kwakaitika mubenchmark yeEurope. Kune iyo inopfuura makumi mapfumbamwe muzana emitengo inokweretwa yemari inobatanidzwa, zvinoenderana nedhata rakapihwa neNational Institute of Statistics (INE). Hazvishamisi kuti vashandisi vatove kucherechedza kuwedzera kwemari yavo yemwedzi muhomwe muhomwe mumwedzi ichangopfuura.
Zvinoenderana nechinyorwa chechinomwe cheING Home uye Mortgage Survey "Imitengo Imba Yakanyanya Kukwirira Here?" 63% yevaEurope vanotenda kuti mitengo yemba icharamba ichikwira mumwedzi gumi nemiviri inotevera. Uyezve, inopfuura chetatu yeavo vakaongororwa havatendi kuti vanogona kuve muridzi wemba. Chirevo ichi chinoratidza kuti kazhinji, mitengo yemba inosanganiswa nekukanganiswa ne mamiriro emusika emuno. Nekudaro, vagari vazhinji vekuEurope, zvisinei nenyika, vanofunga kuti mitengo yemba mavanogara yakanyanya kukwirira.