La ukubonelela ngemali yokubambisa Kukubalwa kweendleko ezihamba kunye nokuthengiswa kwepropati. Fumana ukuba zithini na ezi ndleko zisisinyanzelo ngokufunda inqaku elilandelayo.
Ubonelelo ngemali yokubambisa
Xa umntu ecela imali yokubambisa ukuze afumane ikhaya, inkqubo iqala kwicala leziko lezemali ukuze likwazi ukunika umxhasi ngetyala. Ukuthobela imimiselo yomthetho, ibhanki yenza uluhlu lwamanyathelo axhaswa yinkontileka ye-mortgage.
Phakathi kweemeko zomthetho kukho into ebizwa ngokuba yi-mortgage funds. Le nkqubo ikuvumela ukubala iindleko ezibandakanyekayo kuyo yonke inkqubo yokuthenga nokuthengisa ipropati. Ezi ndleko ziirhafu ezahlukeneyo ezifana ne-AJD, i-ITP kunye ne-VAT, kunye neentlawulo ze-notary, i-arhente, kunye nexabiso elimiselweyo kwintengiso.
Isixa sisonke sepesenti ngokumalunga nazo zonke ezi mivuzo ikwi-10% kunye ne-12% yeendleko zizonke zezindlu. Iintlawulo kufuneka zenziwe ngokwahlukeneyo, ngoko ke umthengisi kufuneka athathele ingqalelo ezi ndleko ngaphambi kokuba aqhubeke nokwazisa uxwebhu olufanelekileyo.
Nangona kunjalo, ayisiyiyo yonke loo nto, ukongeza, i-20% yemali kufuneka yongezwe, ekubeni iibhanki aziboneleli mboleko yezindlu ezingaphezulu kwe-80% kunye ne-75% kwiimeko zezindlu zesibini. Ngoko xa uthenga ikhaya kufuneka ube ne-30% yezibonelelo ezongezelelweyo ezisekelwe kwixabiso lekhaya.
Zenzelwe ntoni?
Eli lungiselelo leemali ze-mortgage (manye amazwe anelinye igama) lisetyenziswa ngamaziko emali ukuhlawula, phakathi kwezinye izinto kunye nezinye izinto, ezi zilandelayo:
IRhafu eyoNgezelelweyo kwiXabiso kwimeko apho ikhaya litsha, kwimeko yezindlu ezisetyenzisiweyo, iRhafu yokuTshintshela iPropati (ITP) kufuneka ihlawulwe.
Jonga inqaku elilandelayo elihambelanayo Ugcwalisa njani ifom 600 nto leyo eyimfuneko enyanzelekileyo xa kuthengwa ikhaya.
- Intlawulo yeekhomishini ezinxulumene mboleko ye-mortgage.
- Iindleko zoBhaliso lwePropati.
- Ireyithi yokufunyanwa kwezindlu.
- Iintlawulo ze-arhente kunye ne-notary.
- IRhafu kwiMithetho yoMthetho ePhephayo.
Njengoko izenzo zahlukile, kufuneka zenziwe ngokuphindwe kabini, enye ibe yinkqubo yokuthenga nokuthengisa ipropati kunye nenye yokumisela ngokusemthethweni imali-mboleko ye-mortgage. Ukubonelelwa kweemali ze-mortgage kuyahluka ngokohlobo lwebhanki yebhanki kwaye ngokwendawo ye-arhente yebhanki kunye ne-arhente apho imizuzu inexabiso elahlukileyo.
Inkcitho enkulu ekuboneleleni ngemali yokubolekwa kwemali imelwe yintlawulo yeerhafu kwi-ITP yonke. Intlawulo yale rhafu kunye ne-VAT, ixhomekeke kuhlobo loluntu apho ipropati ithengwa khona.
Ukulungiswa kweemali
Kwezinye iimeko, ukubonelelwa ngemali ye-mortgage kunokuvelisa i-surplus, nangona le meko inqabileyo. Kule meko, ibhanki yenza izibalo ezinxulumene nomahluko kwaye emva kweentsuku ezimbalwa ilungiselela uxwebhu apho umxhasi kufuneka asayine kwaye avume ukuze afakwe kwi-akhawunti yakhe yebhanki.
Inkqubo ithatha iiveki ezimbalwa kunye neenyanga, ukuba kamva ifakwe kwi-akhawunti, ekubeni kufuneka ihambe ngenkqubo yokuqinisekisa kunye nokuhlaziya; Ukupheliswa kwemali yinkqubo ehlala icotha kunenkqubo yokuthengisa ikhaya, kubandakanya nesicelo setyala.
Emva kokuba ukuvalwa kwendlu kuqhutywe, zonke ii-invoyisi kunye neerisithi ekufuneka zigcinwe ngumxhasi zihanjiswa, ngenjongo yokubhalisa. Ezi invoyisi zide zisetyenziswe ukwenza amabango anxulumene nobunini bomhlaba okanye iindleko ezinxulumene nohlobo lokumiselwa ngokusesikweni.
Ukubonelelwa ngemali yinkqubo efunekayo eyinxalenye yenkqubo yaseSpain yokubhalisa kunye nokulawulwa kwe-real estate, nakwiindlela ezisemthethweni zeerhafu. Nangona inezinto ezikhethekileyo, inkqubo yokubonelela ngemali esisandula ukuyichaza inxulumene nendlela ekusekwe ngayo eSpain.