Imali mboleko eshibhile emakethe yaseSpain

Imali mboleko eshibhile emakethe yaseSpain Yilezo ezingekho nje kuphela ezinenzalo ephansi, kepha futhi nalabo abanobudlelwano obungcono phakathi kwamanani wenzalo ephansi, ukuxhumana okuncane, amakhomishini ama-zero, ukuxhumana okumbalwa neklayenti, futhi yilabo okungenani abagwema ikhomishini yokuvula ku ukubolekwa kwemali mboleko. Okulandelayo sifuna ukukukhombisa imali mboleko eshibhile eyishumi enezimo zemakethe ezingcono.

I-Direct

Imali mboleko ye-ING Direct ka-ING Direct Njengamanje lisesikhundleni sokuqala, ngoba alikho elinye ibhange elisungule isikweletu semali esizobanjiswa njengale. Ngenzalo ephansi ye-Euribor + 0,99%, le mboleko ayinama-commissions futhi kudingekile kuphela ukukhipha imishwalense emibili ephoqelekile: umshuwalense wasekhaya kanye nomshuwalense wokuphila ongeyona impoqo. Imali ebanjiswa ngempahla enekhomishini yokuvula engu-0%, ikhomishini engu-0% yokuthola imali kanye no-0% wokuhoxiswa okuphelele noma okuyingxenye ekhombisa ukuthi ngokungangabazeki iyona mali ebanjiswa kakhulu emakethe njengamanje. Ungafaka isicelo salokhu kubanjiswa kwemali ngemali engaphansi kweminyaka eyi-9 kanye neminyaka engama-40, inqobo nje uma usuku lokuvuthwa lungadluli iminyaka engama-75.

I-Mediolanum Bank

En Indawo yesibili phakathi kwemali eboleki eshibhile emakethe yaseSpain ilandelwa yi-Freedom + ebanjiswa ngeBanco Mediolanum okwamanje okunikeza inzalo ephansi kunazo zonke ongayithola emakethe ngenzalo e-Euribor + 0,90%. Iphinde yethule uchungechunge lwezinzuzo ezifana nokuxhumanisa ubuncane kwemishwalense emibili, ikhaya eliyimpoqo kanye nempilo exhumene, isikhathi esiphezulu seminyaka engama-30 nokuxhasa ngemali ukuthenga ikhaya lokuqala noma lesibili. Ingabe Imali mboleko ingabuye icelwe ukulungiswa kodwa kuyadingeka ukuthi ube yikhasimende leBanco Único, okusho ukuthi, ngaphezu kokuba nomholo okhokhelwayo, banenkontileka ngomkhiqizo eBanco Mediolanum.

Ibhange le-Unoe

Okwesithathu siyakuthola imali ebanjiswayo ebanjiswa yi-Unoe Bank ngenye yemali yenzalo ephansi (i-Euribor + 1,10%) isikhathi esinqunyiwe esifinyelela eminyakeni engama-35 kanye nokuthola izinkontileka zemshwalense ophoqelelwe kabili. Kufanele kuqashelwe kulokhu kubambisa ngempahla, ukuthi uma umnikazi engafuni ukuthola ubudlelwano, angakhululeka kubo ngenzalo e-Euribor + 1,75%. Ngaphandle kwezimali zekhomishini, i- isilinganiso senzalo sisetshenzisiwe kuMboleko Wempahla ye-Unoe Izonqunywa ngokuya ngemikhiqizo enesivumelwano nebhizinisi.

I-Banco Santander

Siyaqhubeka imali mboleko eshibhile emakethe yaseSpain efana neBanco Santander, enye yezinhlangano eziphambili kakhulu emakethe yezezimali, kulokhu ukuthenga ikhaya lokuqala noma lesibili elinenzalo ephansi e-Euribor + 1,25%. Cela umnikazi ukuthi akhokhe imali eqondile ekhokhwayo kanye namarisidi amathathu, akhiphe imishwalense emibili, eyodwa yempilo enye enye eyekhaya, bese usebenzisa amakhadi esikweletu okungenani kathathu ngekota. Ngaphandle kwemali yokuvula noma imali yokuhoxa, akungabazeki ukuthi le ngenye yemali mboleko ethembeke kakhulu emakethe.

Abanca

IMari Carmen de Abanca Mortgage izibeke endaweni yesihlanu ngenxa yezimo ezikhangayo eziyivezayo. Ngaphezu kwalokho, i-Abanca yehlise ukusabalala futhi isungulwe ngentshisekelo e-Euribor + 1,25. Izidingo zokuthola izinkontileka ukuxhumanisa imishwalense emithathu (ikhaya, impilo nokuvikelwa kokukhokha) kanye nokudonswa kwemali ngqo kweholo lababolekisi ngemali ephansi engama- € 600 ngenyanga. Uma kwenzeka ungenayo imali ekhokhelwayo, kudingeka imali engenayo nyangazonke kulelo nani.

Office Officeirecta.com

Imalimboleko Yezindlu Ezijwayelekile ze-O Oficinadirecta.com ibekwe endaweni yesithupha sibonga inzalo e-Euribor + 1,25%, ngaphandle kokuvula ikhomishini futhi isikhathi esinqunyiwe esifinyelela eminyakeni engama-35. Ukwenza isivumelwano, umnikazi wemalimboleko kumele abe nemali engenayo yenyanga engu- € 3.000, isixhumanisi ngokuthola imishwalense emibili ephoqelekile kanye nekhadi lesikweletu kanye nekhadi lasebhange. Ngalesi sibambiso sebhonasi ungazuza ngokuthuthuka kwezinga lenzalo uma uqasha ezinye ze- Izinsizakalo zezezimali zeHhovisi eliqondile.

I-Openbank

Endaweni yesikhombisa ngu imali mboleko ye-Openbank enenzalo e-Euribor + 1,25% nangesikhathi esifinyelela eminyakeni engama-30. Kumele kuqashelwe futhi ukuthi ukuxhaswa kwale mali ebanjiswayo kuthengwa komuzi wokuqala nowesibili. Mayelana nokuxhumeka, kuzodingeka ukuthi kwenziwe isivumelwano somshwalense wasekhaya, ukudonswa kwemali ngqo kwabeholo kanye namarisidi amathathu, kanye nekhadi lesikweletu kanye nekhadi lasebhange. Ngaphezu kwalokho, kuyadingeka ukuthi iklayenti libe ngumnikazi wefayela le- Vula i-Akhawunti Yokukhokha noma i-Akhawunti Yokuhlola Esebenzayo.

I-Triodos Bank

Enye imali mboleko eyehlise umehluko ezinyangeni ezedlule yi Imali mboleko yasebhange iTriodos esendaweni yesishiyagalombili ngenxa yezimo zayo ezinenzuzo, kufaka phakathi ikhomishini yokuvula zero nentshisekelo ku I-Euribor + 1,20% ngesikhathi sokukhokha. Ukwahluka kwalesi sibambiso kuzoncika ekuhlukanisweni kwamandla kwaleli khaya elizokhokhelwa. Ngaphezu kwalokho, ayinaso isigatshana saphansi futhi nezinga lenzalo ngeke lishintshe ngemuva konyaka wokuqala, okwenza kube yisibambiso sokubhekisisa kahle.

I-Bankinter

Ekugcineni nasekugcineni Phakathi kokubolekwa kwemali okushibhile emakethe yaseSpain kukhona iMortgage Sin neMortgage Sin Más evela eBankinter, Kokubili ngenzalo e-Euribor + 1,50% kodwa ngomehluko wokuthi owokuqala angaphinda futhi abe namanani akhokhelwe, ngenkathi eyesibili kuhloswe ngayo ukuthenga ikhaya elingaphendula njengewaranti eyodwa kuphela.

Zonke lezi zibambiso zenzelwe umphakathi jikelele hhayi uhlobo oluthile lweqembu. Baxhasa ngemali efinyelela kuma-80% wenani lokuhlolwa kwekhaya ofuna ukulikhethela futhi aphakathi kwe- imali mboleko eshibhile eyishumi emakethe yaseSpain. Ukunethezeka ekhaya elisha kuqala ngokunethezeka ngokubambisa ngempahla. Ikhaya, njengempahla ebanjiswayo, kungukutshalwa kwemali lapho kufanele sibheke izici ezithile ukuze singazitholi kuphela imali mboleko eshibhile, kodwa okufanela izidingo zethu.