Emva kwexesha elide le hlawula imali ebhankini ixesha kufuneka lifikile rhoxisa ubambisoEwe kunjalo, inyani yokuphelisa i- iintlawulo zakho zobambiso Ziya kuba lulondolozo olukhulu kamva kuqoqosho lwakho, kwiindleko zakho zenyanga kunye namaxhala. Nangona kunjalo, kukho iindaba ezimbi kule nto, ngelishwa eli nyathelo lokugqibela ngaphambi kokuba singahlukani ngokupheleleyo neziko lebhanki kwaye sizikhulule kulo mthwalo wezoqoqosho owawunathi kangangeminyaka emininzi kuya kufuneka uvelise uthotho lweendleko ezongezelelweyo. Oku kungenxa yenkqubo efunekayo yokucima ubambiso lwakho.
Kule nqaku ungafumana ulwazi oluza kukunceda xa ixesha lifika xa kufuneka rhoxisa ubambiso lwakho. Ukuqala, kufuneka sazi ukuba yintoni kanye kanye inkqubo yokurhoxiswa kwempahla, kwaye kutheni kufuneka njalo.
Yintoni kwaye kutheni le nto kubaluleke kakhulu ukurhoxisa ubambiso?
Yiyo le Ukucinywa kobhaliso lobambiso kufuneka ibonakaliswe kwi Ubhaliso lwepropathi njengoko icinyiwe, kwaye ke eli tyala alisasebenzi, ke alikho. Ayisiyo inkqubo enyanzelekileyo, kodwa kuya kuba yimfuneko ukwenza njalo xa kwixesha elizayo ufuna ukuthengisa eli khaya okanye ucele enye imali mboleko entsha ebhankini.
Nje ukuba ufike kwixesha le rhoxisa ubambisoUya kuziswa ngeendlela ezimbini ezahlukeneyo:
- Ibhanki ikhathalela yonke imimiselo: Kolu khetho, ibhanki iya kuqesha iarhente, eya kuthi ifune ingxowa mali yokubonelela ukuze ikwazi ukwenza zonke ezi nkqubo, eziya kuba neendleko eziqikelelweyo malunga ne-200 euro.
- Yenza zonke iinkqubo ngokwakho: Ukuba unexesha elincinci, kwaye ucinga ukuba kubalulekile ukugcina ezo euro ezingama-200, ungawaqhuba ngokwakho la manyathelo ngokuya kwiindawo ezahlukeneyo ezihambelanayo kwaye wenze onke amanyathelo afanelekileyo ngokwakho.
Kwimeko apho uthatha isigqibo sokuphumeza ukhetho lwesibini, kuya kufuneka wenze inkqubo eya kuthi ibenenkcitho, nangona kunjalo, le nkqubo ayisiyonto inzima kwaye ungayenza ngokulula ngexesha elincinci kwaye ulandele la manyathelo alula.
Enye into yokuqwalaselwa ekufuneka ithathelwe ingqalelo kukuba, ukuba asiyenzi Ukurhoxiswa kobambiso kwiRegistry yePropathiOku kungarhoxiswa simahla kwirejista nakwibhanki, kodwa emva kweminyaka engama-20. Nangona kunjalo, ukuba asiyirhoxisi imali mboleko, kufuneka sithathele ingqalelo into yokuba ipropathi ayinakuthengiswa, kwaye kungacelwa mali mboleko intsha ebhankini kule minyaka ingama-20, kuba iyakuthathelwa ingqalelo ngokungathi imali mboleko isekhona.
Kubakho, ngokuthetha, ukhetho lwesithathuAyicetyiswanga konke konke, kwaye ayicetyiswa yiyo nayiphi na iibhanki okanye iingcali ngalo mbandela, nangona kunjalo, kunokwenzeka kwaye kwimeko ethile inokubonakala.
Ke, sele ndinalo lonke olu lwazi malunga nokukhetha kunye neendlela zokwenza ukurhoxiswa kobambiso Masiqhubeke siye kumanyathelo ekufuneka siwalandele ukuze sikwazi ukurhoxisa ubambiso lwethu.
Ngawaphi amanyathelo ekufuneka elandelwe ukucima ubambiso
• Hlawula ebhankini:
Inyathelo lokuqala kule nkqubo yile yiya ebhankini apho ubambiso lwekhredithi lubanjelwe, ubambiso olunokuhlawulwa ngokupheleleyo, oku ngexesha nangendlela yokungena kwinkqubo yokurhoxiswa. Into eza kwenziwa yile hlawula isixa esingekahlawulwa sobambiso, kwaye uhlawule umrhumo wokurhoxisa. Le khomishini iya kuxhomekeka kwimali eyinkunzi ebolekwe yibhanki, kwaye inokuba phakathi kwe-0.25% kunye ne-0.50% yetotali. Emva kokuyihlawula, ibhanki kufuneka ikhuphe isatifikethi setyala zero. (Ezinye iibhanki zihlala zihlawulisa phakathi kwe-100 ukuya kwi-200 ye-euro ukuhambisa olu xwebhu, kodwa kufuneka lwenziwe simahla).
Emva kokukhupha isatifikethi setyala zero, ngalo mzuzu ibhanki inokukucela ukuba ubonelelwe ngemali ukuze wenze yonke le nkqubo ilandelayo; Yintoni i-notary, iirekhodi, ukuya kwifama, njl. Kulapho umthengi axelelwa khona ukuba unakho ukuba ibhanki iyakhathalela onke amaphepha, kwaye kuya kufuneka uthathe isigqibo sokuba ngaba unalo ixesha lokwenza ngokwakho, saliwe esi sipho kwaye uqhubeke nenkqubo elandelayo. ubambiso, njengoko oku kungakongela imali kakhulu.
• Zalisa uxwebhu:
Ngamanye amaxesha akucebisi ukushiya ifayile ye- ukurhoxiswa kobhaliso ezandleni zolawulo lwebhanki. Kuba iindleko zeenkonzo zabo zinokunyuka kwaye zibize kakhulu, kuba ezi ndleko zezona zinkulu kule nkqubo.
• Yiya kwi-notary:
Nje ukuba ube isatifikethi setyala zero ezandleni zakho, kuya kufuneka uyithathe kunye nezenzo zobambiso kunye ne-notary. Ngelo xesha a Ukurhoxiswa kwetayitile yoluntu, kwaye oku kufuneka kutyikitywe ngummeli webhanki; Awunakhathazeka ngale nto njengoko i-notary izakubiza ukuba usayine. Ubukho bomthengi abunyanzelekanga nokuba, kwaye njengoko kubonisiwe yiBhanki yaseSpain, amaziko asebhankini akufuneki abize nantoni na ngokudluliselwa kwegqwetha-kwi-nyani. Ukongeza kwinto yokuba ungaya nakweyiphi na i-notary, ke ngoko, akukho mfuneko okanye kunyanzelekile ukuba uye kwakuloo notary usayine naye imali-mboleko.
• Yiya noNondyebo:
Emva kokugqitha kwi Inkqubo yokuya ebhankini kunye nokutyelela i-notary, Kuya kufuneka uye kubathunywa abahambelanayo noluntu oluzimeleyo ukuya kucela ifom Irhafu kwiZenzo zoMthetho eziBhaliweyo (Imodeli. 600). Ukurhoxiswa kobambiso kuxhomekeke kule rhafu, kodwa baxolelwe kwintlawulo, ngaphandle kwexabiso ekufuneka lihlawulwe kule fomu, ejikeleze i-euro enye. Le nkqubo ilula kakhulu, kodwa ukuba unamathandabuzo malunga nendlela yokuyiphumeza, amagosa kufuneka akuxelele ukuba ungayigcwalisa njani.
• Ungalibali ukuya kwiRejista yePropati:
Xa sele unayo ikopi yerhafu, kunye namaphepha ebekade ekhutshiwe ngaphambili, angamaphepha ebhanki, kunye nezenzo zommeli-notari, kuya kufuneka uyokuthatha Ubhaliso lwepropathi ukuze ube nakho ukwenza urhoxiso lobambiso lusebenze. Oku akunyanzelekanga, kuba, emva kweminyaka engama-20, iRegistry iyirhoxisa ngokuzenzekelayo kwaye ngaphandle kwendleko, kodwa ukuba eli nyathelo lokugqibela alinakwenziwa, kuya kuba nzima kakhulu kwixa elizayo ukufumana enye imali mboleko yebhanki ukuba akuyomfuneko. Iindleko zolu bhaliso zinokwahluka, kwimeko yee-notaries, iRoyal Decree-Law 18/2012 ibeka ubuncinci ekufuneka babhaliswe ngabo babhalisiweyo ngale nkqubo. Yiyo i-euro ezingama-24, ezonyukayo kuxhomekeke kubungakanani bemali mboleko.
• Fumana iNqaku elilula:
Le nkqubo ayimfuneko kwaphela, kodwa, ukuba unqwenela, isetyenziselwa ukuqinisekisa ukuba ubambiso lubanjisiwe. Unoku-odola enye Inqaku elilula lokuqinisekisa ukuba umthwalo wobambiso alusekho, Inqaku elilula linolwazi kuphela kwaye likunika, ngokufutshane, iphepha elixhasayo ukuba inkqubo yokurhoxiswa kwempahla ibanjisiwe. Inokufumaneka nge-imeyile ngeqonga le-Intanethi loBhaliso loMhlaba. Oku kuhlawulwa ngqo kumsebenzisi ngumbhalisi okhupha oko, kwaye ixabiso leNqaku eliLula lijikeleze i-euro ezingama-9 kwifama nganye, njengoko kubonisiwe yiKholeji yabaBhalisi.
Ukuthathela ingqalelo konke oku kungentla sinokubona ukuba kunyanzelekile ukwenza uluhlu lweenkcitho ukuze sikwazi ukurhoxisa ubambiso. Kodwa songa malini ngokwenza le nkqubo ngokwethu?
Ngaba ahlawula malini amaziko okuthenga ngetyala ukucima ubambiso?
Ixabiso liyahluka phakathi kweziko ngalinye lebhanki, nangona kunjalo, kukho uthotho lwezinto eziqhelekileyo kuzo zonke ezi:
- Isatifikethi sihlala sinendleko, esingafanele ukuhlawuliswa, kodwa iibhanki ziyayenza kunjalo. Olu luhlu luphakathi kwe-100 ukuya kwi-200 ye-euro.
- Ukuqesha iarhente kungaphezulu kobugcisa bokuzama ukuhlawulisa umthengi ngale nkqubo irhoxisiweyo, kodwa into ehlawuliswa ziiarhente lixabiso elimalunga ne-300 ukuya kwi-100 yeerandi, kuxhomekeke kwibhanki nganye. Leliphi elona xabiso liphezulu kakhulu kunoko besiya kukuhlawula ngokwenza inkqubo ngokwethu.
Bayakufihla konke oku, bethetha ukuba yiyo yonke le nkqubo ixabisa inkqubo, kunye namaphepha, izatifikethi, amanqaku kunye nayo yonke imisebenzi eyimfuneko. Kodwa inyani kukuba, phakathi kwawo onke la maphepha ayimfuneko ukwenza inkqubo yokurhoxisa, kuchithwa kuphela ii-euro ezingama-200, kwaye yonke imali eceliweyo njengombonelelo, emalunga ne-1000 okanye i-1500 ye-euro, iyaphela ishiywe yibhanki, okanye iarhente yebhanki.