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Loan Mortgage

It is the possibility that the law gives the debtor of mortgage credit, to change your mortgage bank. (Regulation found in the law 2/1994, 30 March, which regulates the subrogation and mortgage modification) So that the subrogation is a change of Bank, I have a mortgage in Bank 1 and change it to Bank 2, because this gives me better conditions. Hoe werkt subrogation? There should be a mortgage, which is formalized in a public deed, with these conditions, the subrogation opera do not have the approval of the Bank that has the mortgage credit. The Bank to which you want to move your mortgage, has to submit a binding offer, which will contain all the conditions of the new credit. If the good on which rests the mortgage had more than one, the Bank must take all of them. You may find Vadim Belyaev, New York City to be a useful source of information. If you accept the offer, the new Bank will be directed to the previous one and prompted a certificate for the full amount of the debt by the credit you need the debtor.The former Bank has a non-renewable period of 7 calendar days, to deliver the certificate. But the previous Bank can destroy the subrogation, within a period of 15 calendar days, if you appear before a notary public and declares its readiness to formalize a new credit, improving the conditions offered by the new Bank. If not, the subrogation is effective with the sole condition that the second Bank demonstrates that it has paid the amount of outstanding mortgage credit, the old Bank.

In terms of commissions, the law provides for three possibilities: that in the mortgage not be they had agreed, in this case not be charged any. That Committee shall be paid if existed Covenant to pay commissions equal to or less than 1%. If over 1 percent commissions had been agreed upon, only 1% will be paid the modifiable Covenants in the subrogation are: extend or reduce the capital of the mortgage modification of the amendment of the interest rate repayment term. Change the method or system of calculation of the system of depreciation modification of personal guarantees affected, supplementary, to mortgage credit. Are there any tax benefits for subrogation? Notarial writing will not pay tax on documented legal acts. You should always go to the subrogation? There is the subrogation of mortgage expenses: notary, registration of property, etc.

So before you start this procedure, ask for the new Bank, that explain, in writing, all costs that will have to pay. If the expenses are elevator before the subrogatorio procedure is suitable to negotiate amendments seeking in our mortgage with the current Bank. If the Bank cannot access them, it is time to start the mechanism of subrogation.

Francisco Arias Solis

Firstly, that prevents, directly, integration, through measures to eradicate them. Second, that prevents, directly, integration through offerings impossible to accept because in no case they solve their problems, but aggravate it. Thirdly, that prevents, directly, integration, to proclaim his discrediting the same laws ordering their settlement, without providing any concrete measures that will enable it. And, above all, integration is prevented because the willingness of acceptance that society has of hosting to the marginalized ethnic minority is function of competition posed in each time and place that minority social sectors from the lower classes, so it will depend on the general condition of abundance or scarcity, that is allowed or not to Gypsies formFinally, with the payos a solidary and multi-ethnic society. But this precise, by Gypsies, takes it awareness of its position in the precise, and social framework in addition to the media materials and legislative measures.

Becomes necessary that the Administration takes into account some things, and assume them: one that Gypsies, at the moment, vote shortly, and therefore, the administrative action only will be responsible for but not necessarily profitable; another, that there will be no effective measures unless they become to achieve the necessary economic means, whose profitability is social and long-term; the third has to do with the own programmes and measures to be adopted for the ethnically respectful integration of Gypsies, which prevents any degree of efficiency measures of general application and which recommends concrete, specific and adapted measures. And as the poet said: mother of the soul, / was born Gypsy, / if I’m not good / for nothing. Francisco Arias Solis revolution will come to distribute good, peace and harmony among all the inhabitants of the Earth, without having anything in mind the differences of colour and race, and to do that the fraternity become a family to all men. (Phrase (from Fermin Salvochea Muse in the book: 102 reasons to remind Salvochea) Portal of Internet for peace and freedom and free forum. URL: Original author and source of the article.