Amalal weqbar

Tamrist
(La hipoteca)

Tamesghit n ijj n tazeddixt tawi attas n taxessat. Temenyat inyarru wa danegh tikwid'ent uca ixessa anettar ijj n tamrist (Hipoteca) i erbanku.

Maca ura d ijj n erbanku ittejja 100% n taman n pisu. Attas itsen ticcen 80% n tasekwit uqiyes (Valor de taxació) uca 20% i yeqqimen ixessa atyeg wenni issaghen. Manaya neqqaras ad'af (Entrada) i pisu.

Âawed' ixessa aghanegh yiri di erbar qa tamesghiwt n pisu, u ktar mara neggit s tamrist, tegg ca n tixessura ittakwad'ent ar 10% n tasekwit n tamesghiwt n pisu (aqiyes, reâd'ur, arbeh' n erbanku, tiwesyin usâettu wagra...).

Mara wa ghanegh temenyat mah'enda anxeddes ad'af, nzemma anetta ijj n umawas d amezyan. Mah'enda erbanku ad'yeqber ccorot-a ixessa anesseh'da ijj wed'man n ijj benadem neghnit (ca n ijjen zi tarrawt) tiri adyeqber adixeddes tamrist mara neccin wa nzemma atenxeddes gha zzat.

Dinni iwd'an txeddassen 20% s temenyat tibarcanin. Manaya wa yedji di asad'uf uca h'sen wa tentegg mayemmi zemman adanegh ggen irensafen imeqranen. Xmi gha ded'hant temenyat tibarcanin, zemman adanegh fetcen uca adanegh ggen irensafen zi Agra. Mara temenyat-a tibarcanin ussintit zi rexdayem maci usad'uf, uca ca n ijjen yarred rexba x manaya (ura d erbankawat) ixessa adâermen deghya i yenni ih'ekmen (Tamesulta, wizara n tinâaccin, atg.) mah'enda adebd'an ijj uffetec uca zemman axas h'ekmen.

Ixessa anessen u anmetter ccorot n temenyat i danegh ticcen erbankawat d isendaq n tyawit: tmanit, tixessura n tazriwin d reâdur, d tiwesyin, atg.

Aqiyes
(La taxació)

Qber i gha danegh ucen tamrist, erbankawat adanegh desseken ijj n mâedjem uqiyes tiri iqebber Erbanku n Sepanya maca neccin i gha tixedsen. Amâedjem-a adyegg ercighed uqiyes (Informe de taxació), netta ixessa atnegg ughir, dayes yura taman n suq n tazeddixt, d twasit ennes d mamec tedja. S
ercighed-a erbanku adyini mech'a n temenyat i gha danegh yuc.

Mant ermiâyar itraddaf erbanku xmi itic ijj n tamrist
(Quins criteris segueix el banc a l'hora de concedir una hipoteca)

Ermiâyar amezwaru n ijj erbanku (erbanku nigh senduq n tyawit) xmi itic ijj n tamrist netta d tizemma n tyawit n wenni ititettan. Netta wa titawi di temenyat inesrusa kur char, netta ixezza temenyat i danegh itzayaden gha unegwa n char xmi zayes ntekkes marra tixessura i ghanegh kur char. X temenyat itzayaden adanegh inin ma ghanegh tizemma umawas. Jar marra tixessura n rebda ixessa wa nh'esseb tinni n recra, mayemmi rexras-a wa itiri xmi ghanegh tamrist.

Erbanku ixezza ma wa ghanegh imawasen neghnit, mech'a n bitaqat umawas d erh'ala n erxedmet ennegh.

Tizemma ennegh umawas ixessa atiri anict n 45% n min dessadaf bera tikessit.

Adaneghttan recwaghed-a:

1. Kuntratu n erxedmet. Adanegh uccen tamrist mara ghanegh kuntratu n rebda. Mara neccin d ixeddamen i uzedjif ennegh (Treballadors autònoms), adexzan min nessiddef deg issegwas-a ineggura.

2. Tineggura n tiwriqin n texriset n erxedmet d iâedjimen uxeddes wagra.

3. Ad'man n yewd'an (tirin n babatnegh, n tarrawin neghnit nigh n iwd'an izemman adaneghksin) mah'enda anzemma anxeddes kur char tamrist ennegh.

Rexdenni, ixessa anessen bil.la rebda ghanegh erxedmet, u ghanegh imucan neghnit i uxeddes mara iweqâanegh ca n erh'ajet uca neqqim bera ad'af n temenyat. Ixessa anxemmem attas di erxatta-ya i di nzemma aniri.

Marra yewd'an itzemlan ijj n tamrist nihni d bab neccit n tazeddixt di jjihet idassen dittasen, âawed nihni d id'emmanen qibar i ermexzen d erbanku n tarrit wattar.