Ngemuva kwesikhathi eside se- khokha imali ebhange isikhathi kufanele sifike khansela imali mboleko, kunjalo, amaqiniso wokuqeda i- izinkokhelo zakho zempahla Zizoba ukonga okukhulu kamuva komnotho wakho, ezindlekweni zakho zenyanga nezinkathazo. Kodwa-ke, kunezindaba ezimbi kulokhu, ngeshwa lesi sinyathelo sokugcina ngaphambi kokuba sizihlukanise ngokuphelele nesikhungo sasebhange futhi sizikhulule kulo mthwalo wezomnotho ebesinawo iminyaka eminingi kangaka kuzodingeka senze uchungechunge lwezindleko ezingeziwe. Lokhu kungenxa yenqubo edingekayo yokukhansela imali yakho ebanjiswayo.
Kulesi sihloko ungathola imininingwane ezokusiza uma isikhathi sifika lapho kufanele khansela isikweletu sakho sempahla. Okokuqala, kudingeka sazi ukuthi iyini ngempela inqubo yokukhanselwa kwempahla, nokuthi kungani kudingeka.
Kuyini futhi kungani kubaluleke kangaka ukukhansela imali mboleko?
Lokhu ngukuthi Ukukhanselwa kokubhaliswa kwempahla kufanele kuboniswe kufayela le- Ukubhaliswa kwempahla njengoba sikhanseliwe, nokuthi ngenxa yalokho lesi sikweletu asisasele, ngakho-ke asikho. Le akuyona inqubo ephoqelekile, kepha kuzodingeka kakhulu ukwenza lokho uma kwenzeka esikhathini esizayo ufuna ukuthengisa leli khaya noma ucele enye imali mboleko entsha ebhange.
Uma usufike esikhathini se- khansela imali mboleko, uzokwethulwa ngezinketho ezi-2 ezihlukile:
- Ibhange linakekela yonke imigomo: Kule nketho, ibhange lizoqasha i-ejensi, ezodinga isikhwama sokuhlinzeka ukuze ikwazi ukwenza zonke lezi zinqubo, ezizoba nezindleko ezilinganiselwe ezilinganiselwa kuma-euro angama-200.
- Yenza zonke izinqubo ngokwakho: Uma unesikhathi esincane, futhi ukubheka kubalulekile ukonga lawo ma-euro angama-200, ungazenza zonke lezi zinyathelo ngokwakho ngokuya ezindaweni ezahlukahlukene ezihambisanayo futhi wenze zonke izinyathelo ezidingekayo ngokwakho.
Uma kwenzeka unquma ukwenza inketho yesibili, kufanele wenze inqubo ezophinde ibe nezindleko ezithile, noma kunjalo, le nqubo ayiyona inkimbinkimbi futhi ungayenza kalula ngesikhathi esincane bese ulandela lezi zinyathelo ezilula.
Enye into ebhekwayo okufanele ibhekwe ukuthi, uma singakwenzi lokho ukwesulwa kwesibambiso kuRegistry RegistryLokhu kuzokhanselwa mahhala yi-registry kanye nebhange, kepha ngemuva kweminyaka engama-20. Kodwa-ke, uma singasikhanseli isikweletu semali mboleko, kufanele futhi sinake ukuthi impahla ayikwazi ukuthengiswa, futhi nemalimboleko emisha ayikwazi ukucelwa ebhange kule minyaka engama-20, ngoba izocatshangelwa imali ebanjiswayo isekhona.
Kungukuthi, ngomqondo ongokomfanekiso, inketho yesithathuAkunconyelwa nakancane, noma kunconywe yinoma yimaphi amabhange noma ochwepheshe ngale ndaba, kodwa-ke, kuyindlela engenzeka futhi esimweni esithile kungabukeka.
Ngakho-ke, usuvele unalo lonke lolu lwazi mayelana nezinketho nezindlela zokwenza ukwesulwa kwempahla ebanjiswayo Masiqhubekele phambili kuziphi izinyathelo okufanele sizilandele ukuze sikwazi ukukhansela isikweletu sendlu ngokwethu.
Yiziphi izinyathelo okufanele zilandelwe ukukhansela imali mboleko
• Khokha ebhange:
Isinyathelo sokuqala kule nqubo yi- iya ebhange lapho kubanjiswe khona imali ebanjisiwe, imali engabanjiswa ngokuphelele, lokhu ngesikhathi nangendlela yokwenza inqubo yokukhansela. Okuzokwenziwa kuzokwenzeka ukhokhe inani elisele lemali ebanjisiwe, bese ukhokha imali yokukhansela. Le khomishini izoncika enhlokodolobha ebolekiswe yibhange, futhi ingaba phakathi kuka-0.25% no-0.50% wengqikithi. Ngemuva kokuyikhokha, ibhange kufanele likhiphe isitifiketi sesikweletu esingu-zero. (Amanye amabhange ajwayele ukukhokhisa phakathi kwama-euro ayikhulu kuya kwangama-100 ukuletha lo mbhalo, kepha kufanele akwenze mahhala).
Ngemuva kokukhipha i- isitifiketi sesikweletu esingu-zero, ngalo mzuzu nje ibhange lingakucela ukuthi unikezwe izimali zokwenza yonke inqubo elandelayo; uyini ummeli olungisa izivumelwano, amarekhodi, uya epulazini, njll. Yilapho iklayenti litshelwa ukuthi linethuba lokuthi ibhange linakekele wonke amaphepha, futhi kufanele uthathe isinqumo sokuthi unaso yini isikhathi sokwenza ngokwakho, wenqabe lo mnikelo bese uqhubeka nenqubo elandelayo. mortgage, ngoba lokhu kungakongela imali kakhulu.
Gcwalisa amaphepha:
Kwesinye isikhathi akucebisi ukushiya i- ukwesulwa kokubhaliswa ezandleni zabaphathi bebhange. Njengoba izindleko zezinsizakalo zabo zingakhuphuka futhi zibize kakhulu, ngoba lezi zindleko zinkulu kakhulu kunqubo.
• Iya kummeli olungisa izivumelwano:
Uma usuphethe i- isitifiketi sesikweletu esingu-zero ezandleni zakho, kufanele uyithathe kanye nezenzo zokubambisa ngempahla nge-notary. Ngaleso sikhathi a ukukhansela itayitela lomphakathi, futhi lokhu kufanele kusayinwe ngummeleli webhange; Akudingeki ukhathazeke ngalokhu njengoba i-notary izokubiza ukuthi usayine. Futhi ukuba khona kweklayenti akudingekile, futhi njengoba kukhonjisiwe yiBhange LaseSpain, amabhange akufanele akhokhise lutho ngokudluliswa kommeli. Ngaphezu kokuthi ungaya kunoma yimuphi ummeli olungisa izivumelwano, ngakho-ke, akudingekile noma kuphoqelekile ukuthi uye kuleyo notary okusayinwe naye imali ebanjisiwe.
• Hamba noMgcinimafa:
Ngemuva kokudlula inqubo yokuya ebhange nokuvakashela ummeli olungisa izivumelwano, kufanele uye kwithimba elihambisanayo lomphakathi ozimele ukucela ifomu le- Intela Yemithetho Yezomthetho Ebhalwe phansi (imodeli. 600). Ukukhanselwa kwempahla kungaphansi kwale ntela, kepha kukhululwa ekukhokheni, ngaphandle kwenani okufanele likhokhwe lefomu, elicishe libe yi-euro eyodwa. Le nqubo ilula kakhulu, kepha uma ungabaza ukuthi ungayisebenzisa kanjani, izikhulu kufanele zikutshele ukuthi ungayigcwalisa kanjani.
• Ungakhohlwa ukuya kwiRegistry Registry:
Lapho usunayo ikhophi yentela, kanye namaphepha akhishwa phambilini, okungamaphepha asebhange, nezenzo zommeli obhala izivumelwano, kufanele uhambe uyothatha Ukubhaliswa kwempahla ukuze ukwazi ukwenza ukwesulwa kwempahla ebambekayo kusebenze. Lokhu akuphoqelekile, ngoba, ngemuva kweminyaka engama-20, iRegistry iyayisula ngokuzenzakalela futhi ngaphandle kwezindleko, kepha uma lesi sinyathelo sokugcina singenziwanga, kuzoba nzima kakhulu esikhathini esizayo ukuthola enye imali mboleko yasebhange uma kungadingekile. Izindleko zalokhu kubhaliswa zingahluka, esimweni sababhalisi, iRoyal Decree-Law 18/2012 ibeka ubuncane ababhalisi okufanele babukhokhise ngale nqubo. Lokho kungama-euro angama-24, akhulayo ngokuya ngenani lesibambiso.
Thola Inothi Elula:
Le nqubo ayidingeki ngokuphelele, kepha, uma ufisa, isetshenziselwa ukuqinisekisa ukuthi ngempela imali yesibambiso sikhanseliwe. Unga-oda eyodwa Inothi elilula lokuqinisekisa ukuthi imali ekhokhwayo yesibambiso asisekho, Inothi elilula lifundisa kuphela futhi likunikeza, kafushane, ukwesekwa kwephepha kokuthi inqubo yokukhanselwa kwempahla seyiphothuliwe. Ingatholakala nge-imeyili ngokusebenzisa ipulatifomu eku-inthanethi yeRegistry Registry. Lokhu kukhokhiswa ngqo kumsebenzisi ngumbhali okukhiphayo, futhi intengo ye-Simple Note icishe ibe ngama-euro ayi-9 epulazini ngalinye, njengoba kukhonjisiwe yiKolishi Lababhalisi.
Uma sibheka konke lokhu okungenhla siyabona ukuthi impela kuyadingeka ukwenza uchungechunge lwezindleko ukuze sikwazi ukwesula isikweletu sendlu. Kepha ngabe songa malini ngokwenza le nqubo ngokwethu?
Ngabe izikhungo zezikweletu zikhokhisa malini ukukhansela ukubanjiswa kwempahla?
Intengo iyahluka phakathi kwesikhungo ngasinye sasebhange, noma kunjalo, kukhona uchungechunge lwama-denominator ajwayelekile phakathi kwakho konke lokhu:
- Isitifiketi imvamisa sinezindleko, okungafanele zikhokhiswe, kepha amabhange ayakwenza noma kunjalo. Lokhu kubanga phakathi kwama-euro ayikhulu kuya kwangama-100.
- Ukuqasha i-ejensi kungaphezu kobuciko bokuzama ukukhokhisa iklayenti ngale nqubo elula yokukhansela, kepha okukhokhiswa ama-ejensi kuyintengo ezungeze ama-euro angama-300 kuye kwayi-100, kuya ngebhange ngalinye. Okuyinani eliphakeme kakhulu kunalokho ebesizokukhokha ngokwenza inqubo sisodwa.
Bakufihla konke lokhu, okusho ukuthi yilokho okudingeka kuyo yonke inqubo, kanye namaphepha, izitifiketi, amanothi kanye nawo wonke amatayitela adingekayo. Kepha iqiniso ukuthi, phakathi kwawo wonke lawa maphepha adingekayo ukwenza inqubo yokukhansela, kusetshenziswa kuphela ama-euro angama-200, futhi yonke imali eceliwe njengombandela, ecishe ibe yi-1000 noma i-1500 euros, kugcina ngokuba ishiywe yibhange, noma i-ejensi yasebhange.