Owona mbambiso ungabizi kwimarike yaseSpain

Owona mbambiso ungabizi kwimarike yaseSpain

Owona mbambiso ungabizi kwimarike yaseSpain Zezo ezingenalo kuphela iqondo lenzala ephantsi, kodwa nabo banobudlelwane obuhle phakathi komdla ophantsi, uxhulumaniso oluncinci, iikhomishini zero, ubudlelwane obuncinci kunye nomxhasi, kwaye nabo baphephe ubuncinane ikhomishini yokuvula. imali-mboleko. Ngezantsi sifuna ukukubonisa i ishumi leemali-mboleko ezinexabiso eliphantsi ezineemeko ezingcono zemarike.

ING ngqo

I-ING Direct Orange Mortgage Ngoku ikwindawo yokuqala, kuba alikho elinye iqumrhu lebhanki elizise imali-mboleko yemali-mboleko ekhuphisanayo njengale kwimarike. Ngomdla omncinci kwi-Euribor + 0,99%, le mboleko ayikho ikhomishini kwaye kuyimfuneko kuphela ukuthatha iipolisi ezimbini ze-inshurensi ezinyanzelekileyo: i-inshurensi yekhaya kunye ne-inshurensi enganyanzeliswanga kodwa edibeneyo yobomi. I-mortgage ene-0% yomrhumo wokuvela, i-0% yemali yokubhalisa kunye ne-0% yokurhoxiswa ngokupheleleyo okanye inxalenye ibonisa ukuba ngaphandle kwamathandabuzo yeyona nto ingcono yokuboleka imali ngoku kwimarike. Unokwenza isicelo sale mboleko-mali ye-mortgage ubuncinane beminyaka eyi-9 kunye nobuninzi beminyaka engama-40, ukuba nje umhla wokuvuthwa ungadluli iminyaka engama-75.

KwiBhanolanum Bank

En Indawo yesibini yemali mboleko efikelelekayo kwimarike yaseSpain ilandelwa yiNkululeko + yemali mboleko evela kwiBanco Mediolanum. ebonelela ngoku elona zinga liphantsi lenzala onokuthi ulifumane kwimarike ngenzala yenzala ye-Euribor + 0,90%. Ikwabonisa uthotho lweenzuzo ezifana nekhonkco elincinane leepolisi ezimbini ze-inshorensi, i-inshurensi yekhaya enyanzelekileyo kunye ne-inshurensi yobomi edibeneyo, ixesha elide elifikelela kwiminyaka engama-30 kunye nenkxaso-mali yokuthenga ikhaya lokuqala okanye lesibini. Oku I-mortgage inokucelwa ukuba ihlaziywe kodwa kuyafuneka ukuba ube ngumthengi we-Banco Único, oko kukuthi, ngaphezu kokuba i-payroll ilawulwa, baye bafumana ikhontrakthi ethile kwi-Banco Mediolanum.

Ibhanki ye-Unoe

Okwesithathu siyifumana imali-mboleko enikezelwa yi-Unoe Bank enenzala ephantsi (Euribor + 1,10%) ixesha elide ukuya kuthi ga kwiminyaka engama-35 kunye nekhontrakthi yee-inshorensi ezimbini ezinyanzelekileyo. Kufuneka kuqatshelwe kule mboleko yokuba umnini-mali akazange afune ukufumana ikhonkco, unokukhululeka kuyo ngenxa yomdla kwi-Euribor + 1,75%. Ngaphandle kweendleko zekhomishini, i izinga lenzala elifakwe kwi-Unoe Mortgage Kuya kumiselwa ngokusekelwe kwiimveliso ezivunyelweneyo nequmrhu.

Banco Santander

Siyaqhubeka I-mortgages yexabiso eliphantsi kwimarike yaseSpain efana ne-Banco Santander, enye yezinto ezihamba phambili kwimarike yezemali, kule meko yokuthengwa kwendlu yokuqala okanye yesibini kunye nenzala ephantsi e-Euribor + 1,25%. Cela umniniyo ukuba atsale imali ehlawulwayo kunye neerisithi ezintathu, athabathe iipolisi ezimbini zeinshorensi, enye yeyobomi bonke nenye yeyasekhaya, yaye usebenzise amakhadi okuthenga ngetyala ubuncinane izihlandlo ezithathu ngekota. Ngaphandle komrhumo wokuvula okanye umrhumo wokurhoxisa, ngaphandle kwamathandabuzo le yenye yezona zinto zithembekileyo zokubambisa kwimarike.

Owona mbambiso ungabizi

Abanca

I-Mari Carmen Mortgage evela e-Abanca ibekwe kwindawo yesihlanu ngenxa yeemeko ezinomtsalane ezibonisayo. Ukongeza, i-Abanca iye yanciphisa umahluko kwaye iseke inzala ye-Euribor + 1,25. Iimfuno zekhontrakthi kukudibanisa iipolisi ezintathu ze-inshurensi (ikhaya, ubomi kunye nokhuseleko lwentlawulo) kunye ne-debit ngqo kwi-payroll yomnini-mboleko kunye nesixa esincinci se-€ 600 ngenyanga. Ukuba awunayo i-payroll, umvuzo wenyanga waloo mali uyafuneka.

Oficinadirecta.com

Ukubolekwa kwezindlu rhoqo kwe-Oficinadirecta.com Ifakwe kwinombolo yesithandathu ngokubonga kwi-Euribor + 1,25%, ngaphandle kwekhomishini yokuvula kunye nexesha elide ukuya kwi-35 iminyaka. Ukwenza ikhontrakthi, umnini-mboleko kufuneka abe nomvuzo wenyanga we-€ 3.000, ikhonkco ngokwenza isivumelwano se-inshurensi ezimbini ezinyanzelekileyo kunye nekhadi lekhredithi kunye nekhadi le-debit. Ngesi saphulelo semali-mboleko ungaxhamla kuphuculo lwezinga lenzala ukuba uthatha ezinye ze Iinkonzo zemali ze-Ofisi ngqo.

Ibhanki evulekileyo

Kwindawo yesixhenxe ngu i-Openbank mortgage kunye nenzala e-Euribor + 1,25% kunye nexesha ukuya kutsho kwiminyaka engama-30. Kukwafanelekile ukuba kuqatshelwe ukuba inkxaso-mali yemali-mboleko yenzelwe ukuthengwa kwendlu yokuqala neyesibini. Ngokumalunga noqhagamshelo, kuya kufuneka ukuba uthathe i-inshurensi yasekhaya, ukulawulwa kwe-payroll kunye neerisithi ezintathu, ngaphezu kwekhadi lekhredithi kunye nekhadi lebhanki. Ukongeza, kuyimfuneko ukuba umxhasi abe ngumnini we Vula iAkhawunti yoMvuzo okanye iAkhawunti eSebenzayo ngoku.

Ibhanki iTriodos

Enye i-mortgage eye yehlisa umahluko kwiinyanga zakutshanje yi Triodos Bank Mortgage ekwindawo yesibhozo ngenxa yeemeko zayo ezintle, kubandakanywa nekhomishini yokuvula iqanda kunye nomdla kwi I-Euribor + 1,20% ngexesha le-amortization. Umahluko wolu mboleko-mali uya kuxhomekeka kuhlelo lwamandla ekhaya eliza kuxhaswa ngemali. Ukongeza, ayinalo igatya lomgangatho kwaye izinga lenzala aliyi kuhluka emva konyaka wokuqala, nto leyo eyenza kube yimali-mboleko yokuthenga imali ukuba iqwalaselwe ngononophelo.

amatyala aphantsi

Bankinter

Kwixesha lokugqibela nelokugqibela Phakathi kwezona mali mboleko zifikelelekayo kwimarike yaseSpain yiHipoteca Sin kunye neHipoteca Sin Más yaseBankinter, zombini ngenzala e-Euribor + 1,50% kodwa umahluko ukuba ngeyokuqala ungasebenzisa kwakhona iimali eziye zahlawulwa, ngelixa okwesibini kujoliswe ekuthengeni ikhaya elinokuthi liphendule njengesiqinisekiso kuphela.

Zonke ezi mboleko zenzelwe uluntu ngokubanzi kwaye kungekhona uhlobo oluthile lweqela. Baxhasa ngemali ukuya kuthi ga kwi-80% yexabiso lovavanyo lwekhaya ofuna ukulikhetha kwaye baphakathi ishumi lemali-mboleko yexabiso eliphantsi kwimarike yaseSpain. Ukukhululeka kwikhaya elitsha kuqala ngokukhululeka kwi-mortgage. Ikhaya, njengemali yokubambisa, lutyalo-mali apho kufuneka sithathele ingqalelo imiba ethile ukuze singafumani nje kuphela. elona tyala liphantsi, kodwa lowo uzifaneleyo iimfuno zethu.


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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
  5. Ukugcinwa kweenkcukacha
  6. Amalungelo: Ngalo naliphi na ixesha unganciphisa, uphinde uphinde ucime ulwazi lwakho.

  1.   UJuanfe sitsho

    Xa kuthethwa nge mortgages andisathembi nakweyiphi na bank, ndidikiwe yile yoba kukho abusive clauses, floor, ceiling, and to make matters worse, IRPH, nindidlisile. ekupheleni, Ndiye ndagqiba ekubeni zonke olu hlobo izinto ziya kum Izikhalazo Collective kwaye ndonwabile ngokwenene kakhulu.