Ukudonswa kwendawo yokuhlala ejwayelekile

Indlu ejwayelekile

Indawo yokuhlala ejwayelekile komkhokhi wentela igama elithi Isikhungo Sentela ichazwe njengalelo khaya eligcwalisa izidingo eziboniswe ngezansi:

Ukuthi ikhaya liyindawo yokuhlala ejwayelekile isikhathi okungenani seminyaka emi-3.

Ngokunjalo, ikhaya liyaqhubeka nokuba nomlingiswa "ojwayelekile" lapho, yize iqiniso ukuthi lingakaphelanga ngokuphelele, ukufa ngeshwa komkhokhi wentela kwenzeka noma kwenzeka izimo ezidinga ushintsho lwekheli, njengokuhanjiswa komsebenzi, ukuthola umsebenzi wokuqala, ushintsho lomsebenzi, umshado, ukwahlukana emshadweni, njll.

Lezo zindlu uhlala esikhathini esiyizinyanga eziyi-12, kubalwa kusukela osukwini owathola ngalo impahla noma ukuqedwa kokwakhiwa.

Ikhaya ngeke lilahlekelwe ngumlingiswa walo ojwayelekile ezimeni ezilandelayo:

Uma kwenzeka ukuthi umkhokhi wentela afe noma uma kwenzeka izimo ezivimbela ukuhlala kwempahla.

Uma, ngenxa yezizathu zomsebenzi, umkhokhi wentela ejabulela indawo yokuhlala ejwayelekile futhi indawo yokuhlala ayitholakali ayisetshenziswa. Lapho lokhu kusebenza okungenhla kusebenza, ukudonswa kwemali okuzokwenziwa ukuthola impahla kuzoqalwa ngesikhathi lapho kuvela izimo ezithile ukuze kudingeke ushintsho lwezindlu noma kuvimbele ukuhlala kwalokhu ngandlela thile.

Uma kwenzeka kuba nobuningi bezindawo zokuhlala, kuzochazwa ngokuthi okuvamile eyodwa lapho umkhokhi wentela ehlala khona isikhathi esingaphezu kwezinsuku eziyi-183 ngonyaka.

ukubanjwa kwezindlu

Kucatshangelwa ukuthi umkhokhi wentela ngokwalokho okusungulwa intela yemali yomuntu siqu, uzoba nokuhlala ngokusemthethweni eSpain lapho bengena kulesi simo, esiboniswe ngezansi:

Ukuthi kuxazululwe izinsuku ezingaphezu kwezingu-183, zonyaka wekhalenda, endaweni yaseSpain, kufanele kwaziwe ukuthi akudingeki ukuthi izinsuku eziyi-183 ziphothulwe ngokulandelana, lokhu kusho ukuthi zingashintshwa ngaphandle kokuphazamiseka, inqobo nje uma zibalwa ngokuzimela minyaka yonke.

Ngokubala nokurekhodwa kwesikhathi abasihlala endaweni yaseSpain, lokho kuhlala kwesikhashana eSpain okuvela ezibophweni ezisungulwe ngezivumelwano zokusiza noma zokusebenzisana nabantu, mahhala, ne-Spanish Public Administrations.

Ezingxenyeni ezihlukaniswe njengezindawo zentela, abaphathi bezentela bazoba namandla okufuna ubufakazi bokuhlala kuzona ngezinsuku ezifanayo eziyi-183 zonyaka.

La ukuncishiswa ngokutholwa

Mayelana nendawo yokuhlala eyinhloko yentela yomuntu siqu engenayo, ingenye yezinzuzo zentela ezibaluleke kakhulu umndeni ongazuza kuzo, noma ngabe impahla ithengiwe kusukela ngoJanuwari 2013 izinzuzo ziyashintsha.

umkhuba-ekhaya-noma-utshalomali

Qasha Izindaba

Akukona nje ukuthi lokhu okwenziwayo kungenziwa kube semthethweni ephepheni, kungatholwa futhi ngohlelo lwe-Renta WEB, ngoba ushintsho lwezomthetho lokuguqulwa kwentela selwakhiwe futhi lwahleleka ngokuphelele ekwethulweni kwembuyiselo. Ukuthi ngayo sizokhokha kancane, ngokusobala hhayi kuzo zonke izimo ngokulinganayo, ngoba ngaphandle kokuthi amanye amanani ehlisiwe futhi athuthukisiwe, ezinye izidingo eziphansi. Ukudonswa okuningi kubuye kwalungiswa kwesinye isikhathi okunomthelela omkhulu wentela.

Izinguquko ezenziwe ukukhokha ngaphezulu

Kulo nyaka ukuncipha okujwayelekile kwama-euro ayizi-2.652 kunyamalele, etholwe emholweni womsebenzi, noma iyiphi ibhalansi evumayo, nanoma yiliphi inani elilingana nenye imali engenayo etholiwe. Ukuze ushintshe lokhu, a Izindleko ezikhokhelwayo zenani lama-euro angama-2.000 abizwa njengezinye izindleko. Lezi zindleko zinganxeshezelwa noma zixolelwe ezimweni ezimbili: eyokuqala yilapho ngeshwa ungasebenzi futhi uthola umsebenzi odinga ukushintshwa kwekhaya, lezi zindleko zikhuphuka ngama-euro ayizi-2.000 XNUMX ngonyaka.

Icala lesibili elicatshangelwayo kulapho isisebenzi esisebenzayo esikhubazekile sizokwenyusa inani lisuke kuma-euro angama-3.500 7.750 liye kuma-euro ayizi-XNUMX ngonyaka ezimeni zabasebenzi abasebenzayo, ngokwezinga labo lokukhubazeka.

Ukukhululwa kwe izabelo. Laba kwakungu kukhululiwe ngokuphelele umkhawulo wama-euro ayi-1.500 ngonyaka, kanye nakho konke ukubamba iqhaza ku izinzuzo ezitholwe ngokuba namasheya kunoma yiliphi ibhizinisi. Lokhu kukhululwa kuyekisiwe kusukela ngo-2015 izabelo Ukugodla kusetshenziswa kubo manje lapho ukuqoqa, ngalokhu, ushintsho lungabonakala kulokho, uma eminyakeni edlule babejwayele ukubuyisa lezi zinkokhelo zangaphambi kwesikhathi, akusenjalo.

Yonke imbuyiselo etholakalayo etholwayo iyakhokhiswa intela, ngaphandle kokukhishwa okubili kuphela: amanani anikezwe ukuqeqeshwa kwabasebenzi nomshuwalense wesikweletu somphakathi emsebenzini wobungcweti wesisebenzi.

Kungezwe kulokhu, amathuba we ukukudonsa ngokusebenzisa izinhlelo zempesheni ancishisiwe eminyakeni yamuva nje, ngoba imikhawulo ebekiwe ingaphansi kwama-euro ayizi-8.000 ngonyaka kubo bonke abakhokhi bentela bebonke. Umkhawulo obekade usethwe kuma-euro ayi-10.000 ushintshiwe, nokuthi kubantu abangaphezu kweminyaka engama-50 ubudala ama-12.500.

Intela ekhokhiswa intela nayo iya ngokuya iba yimbi, kokubili umninikhaya nomqashi. Kumninindlu, kuncishiswa isikhathi esisodwa ama-60% emali etholwe ngokuqashwa kwezindlu. Kumqashi, ukuncishiswa kokuqashwa kuzolahleka kuzo zonke izinkontileka ezisayiniwe, njengasekuthengweni kwezindlu, lokhu kusizakala obekukade kunenzuzo kulahlekile.

Izinguquko ezenziwe ukukhokha kancane

imikhuba yokuhlala

Ukuthuthuka okuyinhloko ngaphandle kwe- ukwehliswa kwamanani entela, Ngukuthi ubuncane bomkhokhi wentela buzokhuphuka busuke ku-5.150 kuye ku-5.550 euros. Ngokulandelayo, amanani ayakhuliswa kubhekiswe eminyakeni yobudala bomkhokhi wentela. Ngale ndlela, lapho umkhokhi wentela esefinyelele eminyakeni engaphezu kweminyaka engama-65, inani lobuncane lizokhushulwa ngama-euro ayi-1.150 ngonyaka.

Lapho umkhokhi wentela esefinyelele eminyakeni engaphezu kweminyaka engama-75, inani lobuncane lizoba yi-1.400 euros ngonyaka. Kusuka ku-7.191 kuye kuma-euro ayi-8.100 ngezinguquko.

Wabuye wakhuphuka ubuncane ngozalo o inzalo. Enganeni yokuqala, isuka kuma-euro angu-1.836 kuphela iye kuma-euro angama-2.400. Enganeni yesibili isuka kuma-euro angu-2.040 iye kuma-euro ayizi-2.700 3.672, enganeni yesithathu isuka kuma-euro ayizi-4.000 iye kuma-4.182 euros, kuthi enganeni yesine nakulandelayo, isuke isuka kuma-euro angu-4.500 iye kuma-XNUMX XNUMX euros. Lapho kucatshangwa inzalo ingaphansi kweminyaka emithathu ubudala, inani lizokhuphuka ngama-2.800 euros minyaka yonke.

Izindlela zokwenza ukuncishiselwa kotshalomali endaweni yokuhlala ejwayelekile

  • Ukwakhiwa kwendawo yokuhlala ejwayelekile: zonke lezo zindleko ezivela ekwakhiweni kwemisebenzi noma amanani alethwe kumakhi, kusungula isikhathi esinqunyiwe seminyaka emi-4 kusukela lapho kwenziwa utshalomali.
  • Ukutholwa noma ukulungiswa kabusha kwendawo yokuhlala eyinhloko: ubunikazi bendlu.
  • Ukusebenza noma ukuzivumelanisa nabantu abakhubazekile, ngomkhawulo obekiwe wama-euro ayi-12.080 ngonyaka. Kulesi simo esithile, kungadonswa izindleko ezingama-20%, ezihlukaniswe ngengxenye yombuso nesifunda.
  • Ukunwetshwa kwendawo yokuhlala ejwayelekile: ukwanda kwendawo eyakhiwe unomphela.
  • Ukutshalwa kwezimali ku-akhawunti yendawo yokuhlala ejwayelekile, inqobo nje uma lokhu kutshalwa kwezimali kuhloselwe ukutholwa kokuqala noma ukulungiswa kabusha kwendlu. inqobo nje uma utshalomali lwenziwe isikhathi esinqunyelwe seminyaka emi-4.

imikhuba yokuhlala evamile

Yize i- ukudonswa kwendawo yokuhlala ejwayelekile kwanyamalala kusukela ngoJanuwari 1, 2013, kusenabakhokhi bentela abaningi abaqhubeka nokuhlomula ngalo. Futhi yibo bonke labo abawuthola ngaphambi kukaJanuwari 2013, basungula njengakulolu suku, umbuso wesikhashana, olawulwa ekuhlinzekweni okwedlula kweshumi nesishiyagalombili eMthethweni Wentela Yomuntu, ovumela abakhokhi bentela ukuthi baqhubeke nokujabulela izinhlobo ezahlukahlukene zokudonswa ezimweni ezifanayo nemigomo kaDisemba 31, 2012.

Umbuso wesikhashana osebenze kuwo

Ngemuva kukaJanuwari 2013 babenelungelo kuphela lokufaka isicelo se- ukuncishiswa ukuze utshale imali ekhaya lakho ngemali ekhokhwe esikhathini okukhulunywa ngaso abakhokhi bentela abalandelayo:

  • Bonke labo bakhokhi bentela abathole indawo yokuhlala ejwayelekile noma amanani adluliselwe ukwakhiwa kwalokhu, ngaphambi kukaJanuwari 1, 2013.
  • Labo bakhokhi bentela ngandlela thile babedlulise amanani ngaphambi kukaJanuwari 1, 2013 wokulungiswa kabusha noma wokunwetshwa kwemisebenzi yendawo, inqobo nje uma imisebenzi isiphelile ngaphambi kukaJanuwari 1, 2017.
  • Abakhokhi bentela abathumela imali yokwenza imisebenzi yokuguqula ikhaya lomuntu okhubazekile, njengasesimweni esedlule ababenaso ngaphambi kukaJanuwari 1, 2013, futhi inqobo nje uma imisebenzi eshiwo ngenhla iqedwa ngaphambi kukaJanuwari 1, 2017.

Ukuze usebenzise ngempumelelo umbuso wesikhashana we ukubanjwa, Bonke abakhokhi bentela bacelwa ukuthi basebenzise ifayili le- ukuncishiswa ekhaya elishiwoyo ngo-2012 noma eminye iminyaka eyedlule, ngaphandle kwesimo, abangakwazanga ukusisebenzisa kuze kube namuhla, ngoba inani elitshaliwe kulo, cishe alizange leqe inani elikhululiwe lokutshala kabusha.


Amazwana ayi-2, shiya okwakho

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.

  1.   Rosa Pinto kusho

    Ngiyabonga ngolwazi, engangikufuna!

  2.   Alberto kusho

    Sawubona ekuseni, uma ngentela yomuntu siqu ka-2016 ngingasebenzisi ukudonswa kwendawo yokuhlala (mortgage) ukuze ingakhokhiswa intela (2 okhokhelayo kanye neqoqo lesibili ngaphansi kuka- € 2), ngingafaka isicelo sokubanjelwa imali ukubuyiselwa kwentela elandelayo noma ngabe uzolahlekelwa ilungelo lokudonswa? Ngiyabonga kakhulu kusengaphambili.