Tag Archives: news

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.

Spanish Association

Monday, February 23, 2009 the Spanish Association of lawyers URBANISTS increased during 2008 by 67% compared to the previous year, consultations and procedures on leases and housing-related affairs. Thus has expressed it the Secretary General of the Association Mrs. Maria the Kings wheel Serrano’s after the conclusion of carried out comparative statistics for the year 2007 and 2008. An evident growth in the number of individuals who attended the Association to be advised and if necessary request a lawyer for actions related to the matter of leases and problems associated with housing occurred during the previous year. Many owners consulted because they wanted to rent its empty homes but they were afraid. They showed their misgivings since the law of urban leases law 29/1994 of 29 November does not protect them and pampers them in excess, since it forces them to agree a lifespan that stretches over time up to 5 years, as set forth in article 9 of the LAU. Post which although it agreed a lower time, contract is necessarily extended to the owner by annual instalments if asi wants the tenant.

And should the lessor communicate one month prior to the completion of the contract his desire not to extend it, since otherwise the contract will be extended by annual instalments up to 3 years more, provided that cannot unilaterally desist the tenant. Still another possibility offered by law make a contract of lease of season, wherever your destination is different to the meet the permanent need for housing which establishes the art. 2 of the LAU. And can for example be a different housing, leases leasing, foreign students who come to pursue their studies of 1 year, a master, or companies that leased a House for a Manager. This type of contract, on the contrary, is not extended by deadlines, but that they have a duration determined.

Housing Prices

In so far this year, the price of apartments has dropped 3.5% and 5.7% in the last twelve months. From the record high posted in April 2007, housing accumulates a fall of 26.2% in Spain. The price of apartments low in 12 of the 17 autonomous communities. The adjustment of prices of the flats did not finish: 2011 continues to be another year of falls. According to data from real estate fotocasa.es index July, floors have dropped by 0.1%. Thus, in what we carry of the year, the price of housing has dropped by 3.5%, and 5.7% in the last twelve months. According Fotocasa, the average price of housing in second hand in Spain stood at 2.178 euros per square meter (/ m2), representing a slight decrease of 0.1% compared to the price of the month of June. Floors recorded its all-time high in April of 2007, date that reached an average of 2,952/m2 value.

Since then they have accumulated a fall of 26.2%. Fotocasa data follow the same trend as the last statistics from the Ministry of development. According to its latest report, the price of housing falls 5.2% in the second quarter of 2011. The low price in 12 autonomous communities in 12 of the 17 communities analyzed by fotocasa.es low the price of housing in July. Most outstanding falls are those of Galicia (2.2%) and Cantabria and Extremadura (both with a decrease of 1.3%). Other communities recorded decreases between 0.8% of Navarre and 0.1% of Asturias. The price rises in five regions. Aragon with an increase of 1.0% is the community in which the price of this month more rises.

Followed by Canary (0.8%), Comunidad Valenciana (0.7 per cent), Madrid (0.6%) and La Rioja (0.3%). Basque country does not undergo variations in price (0.0%) compared with the month of June. The five communities with the most expensive price of housing for sale in July are Basque country (3,642/m2), Catalonia (2.888/m2), Madrid (2,828/m2), Cantabria (2,369/m2) and Navarra (2368/m2).

Barcelona Housing Service

The main advantage for students applying for these program is hosting does not imply them no cost (Yes its maintenance). To change, undertake to make company to the older person and to collaborate with it in specific activities of everyday life (shopping, going to the doctor, administrative formalities, among others), so that one of the main objectives of these programmes has been achieved: foster solidarity and intergenerational relationship. Accommodation online ALUNI.NET services: this student agency offers accommodation in shared flats or families to College resident in Madrid, Valencia and Sevilla. The service has a cost of 77 euros (40% less if the University has agreements with the Agency) and includes the management of rental contracts. RESA group: manages more than 6,700 places of accommodation for students in 26 residences around the country. It offers the possibility of booking rooms during the academic year, months, weeks and days. Colleges: from the website of the Council of university colleges of Spain can access detailed information about rooms, features, prices and equipment of all the centers of this kind attached to the universities of our country. BHSS: Barcelona Housing Service for Students is responsible for the management of accommodations for students in individual flats, rooms, families, residences and other options. Live in Madrid: space Madrileno de higher education proposes to academics who want to settle in the capital a search of accommodation of different types. Currently has offers from rooms in shared apartment in families, rent of complete floors or individual apartments. Source of the news: keys to look for accommodation for university students

National Institute of Statistics

According to the latest data from the National Institute of statistics, free housing fell by 4.1% in the first quarter of this year. Compared to the fourth quarter of 2010, the price drops 3.5%. The prices of the flats began to fall in the second quarter of 2008. Free housing prices fell by 4.1% in the first quarter compared to the same period of 2010, more than two points lower than the rate recorded in the previous quarter (- 1.9%), according to the price index of housing (IPV) the Institute Nacional de Estadistica (INE). In this way, are already twelve consecutive quarters in which housing prices have negative annual rates. The housing prices began to fall in the second quarter of 2008 (- 0.3%) and bottomed out in the second quarter of 2009, when fell by 7.7%, to start the path of moderation. Thus, the annual reduction of prices during the first quarter of the year occurs after registering a negative variation throughout the past year, with falls that ranged from 2.9% in the first quarter and 1.9% in the fourth.

On quarter (Q1 on Q4), free house prices fell 3.5%, against the decrease of 0.1% experienced between October and December. Housing type, the price of new housing declined in the first quarter a 1.9% annual rate, two-tenths more over that recorded in the previous quarter (- 2.1%). Used housing experienced an annual reduction of 6.3%, representing a decrease of almost five points from the fourth quarter of the previous year, when fell 1.6%. All the autonomous communities declined in annual rate, housing prices in the first quarter. In particular, larger interannual falling prices them scored are La Rioja (- 7.8%), Navarre (- 6.4%), Aragon (- 6.2%), Cantabria (- 6.1%) and Catalonia (- 5.5%), while minor descents corresponded to Galicia and Murcia (- 2.4%), Asturias (- 2.6%) (-3%).

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.

Wisdom Universalcatedra

Those moments, at the end of the day, in which the teacher sat is in rail while Ting Chang, Tenno and the Sweeper of Esmeraldas took a bath before dinner, they were delicious for Sergei. He liked to help the teacher placed a washing-up bowl with warm water and salt to then give you a little massage on your arms and back. The master continued across to swim across the River every evening and enveloped in the black tunic that Sergei tended him after helping to dry out. Others already used only white for practices that took place on the other side of the River during the long night. Master, why it is so necessary to follow the rites and preserve the traditions of the ancestors? Apparently, you are working hard in that Treaty of Confucius to prepare the Noble Ting Chang. And you know how? Well, I have seen the medical nobleman who placed that Treaty under her head as a pillow.

Less evil than the other three sacred books leads them in the heart! But, listen, curious Hare, the that happened in an ashram in India with a guru who had mania to cats because they distracting his disciples during the worship. If they had had a mascot like us rabbit that would have not happened them. The guru ordered they ataran the cat during the Shiva lingam in the afternoon. Thus became and when guru was already dead, they continued tying the cat precisely for the afternoon prayer. And when the cat died, they bought another cat to be able to tie it in the Temple of the ashram during evening prayers. I can’t believe it! Ah, no? Because you have to know, Hare of the steppes, many centuries later, the disciples of the guru wrote brainy treaties about the transcendent importance of the cat to carry out a cult as it should. Back to another, Sergei. This happens in the majority of established, not to say in all religions.

Chosen Errors Common

People are hired for their knowledge and says goodbye to them by his behavior this phrase is not mine. It belongs to Martha Alles, Argentine consulting firm which has achieved popularity with management by competencies. But let’s go to our theme. 2 Hires Bill Gates successful people is a model is misunderstood selection competency base: replicate the success model. Seeks to replicate the success, but the reasons are not based on personal characteristics (many entrepreneurs of exist would not be eligible).What should not be forgotten is that you hired him and how the results you get will be measured.

For example how it would determine the key factors of success of a financial analysis or a marketing manager. Let’s take the case of the Manager. The first thing you need to do is think about in the maybe. Wonder how well towards the work. As you must have on hand a list of obligations relating to that post, wonder how well has fulfilled every obligation. Through this examination you may identify success criteria. Suppose that you concluded that the criteria are the following: 1.-processing orders for imports of inputs within a maximum of thirty calendar days.

2 Keep the costs of purchases with a maximum deviation of 5% over the budgeted amount 3.-delegate to the staff in charge all the necessary tasks in such a way that the two previous criteria are met. Once you know clearly what are the criteria for successful performance, already known as the person who will cover the vacancy should behave. I.e., you expect the new Marketing Manager to quickly process orders for import of inputs using a maximum one month. Similarly, that person must follow the purchasing budget avoiding deviations exceeding 5%. Finally, it should be capable enough to delegate to his collaborators all the tasks that are necessary to avoid filling work, which could result in him the non-compliance of the processing or the budget execution. Remember: You must achieve to measure all the work of the person and not just a part.

Crusher

And Crusher sand maker accelerate transformation In recent years, China s economy has experienced a qualitative takeoff; the industrialization level is increasingly high. Especially the construction machinery manufacturing industry plays the most critical role; It is the one of backbone products of mining machinery, and the basis on establishing an independent industrial system, and as well as an important symbol of a country s industrial strength. However, everything has two sides. From the point of view environment-protection: the destructive power of this industry on environment cannot be discounted. The requirements on production quality and energy consumption of crusher are very strict. Therefore, the energy-saving crusher came into being.

Our energy-saving crusher has been widely used; the performance of China s mining machinery such as crusher, mill and sand maker has reached international leading level, it is the most versatile, practical and reliable crusher. The hydraulic efficient cone crusher, VSI sand making machine, 5 X sand making series, the HCS90 efficient cone crusher, R-type tilting Mill (Raymond Mill), high pressure mill, high pressure micro powder S ultra – fine grinding mill, medium speed trapezium mill, high pressure hanging roller other products are suitable for airports, railways, highways, ordinary highway construction, national large bridge and undersea tunnel, tunnel, the new high-rise buildings and other buildings land; the applicable field is also extremely wide including the mining industry, cement industry, metallurgical industry, ceramic industry, sand and gravel industry, grinding industry, construction industry, road building industry and so on. China s rapid development of economic brings our material affluence, but it consume many resources. The world is promoting energy conservation and environmental protection. In the thinking of the majority s, crusher has nothing with energy saving. But in fact, the crusher is important in energy conservation, especially in energy-saving. Hongxing accelerates the transformation on crusher and sand maker, makes its best efforts to produce energy-saving and efficiency mining machinery.

Byron Katie

Once you’ve identified the main beliefs, questioning them so you can discover what the truth. You can use various techniques to work with your beliefs, which I recommend are a few simple questions, inspired by Byron Katie, author of the Bestseller I need your love, is it true? (in English). For example, question the belief need to consider me beautiful to feel good with me same can know it to be true with absolute certainty that you need that others consider you beautiful to feel good? you ever have questioned? How you feel and act when you think you need that others consider you beautiful to feel good? Noticing it. Probably insecure, anxious, depressed by look beautiful. Takes you to compare you constantly, wanting to look like others, and improve you to fit into the stereotypes of beauty, you criticize and make you feel as if something is not well with you. Can you isolate, you retraigas. You can not enjoy being who you are nor of your life, because you’re too aware of what others think of you.

How would you feel and actuarias if you didn’t have the thought that you need to be considered beautiful? Perhaps you quitarias you a weight off, you relajarias you in the presence of other people, you’d not be pending the opinion of others, would you feel more free to have fun, to enjoy, to be you. If you’ve answered the questions honestly maybe you have seen that your state of mind varies with the thought and without him. With thinking there is anxiety, tension, stress and without thinking there’s more enjoyment, more freedom to be you. Do you notice how your well-being does not depend on the opinion of others, if not the beliefs that you have at this time? And this is good news, because you can’t control what others think of you, but yes as you feel on the subject, and this is a great release.