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I document without title

last comments

On August 07, 2007

    The cards are a danger, especially if you go away of holiday, the world of the consumption and of the diversion they are too tantalizing for...

Castaway commented

On August 01, 2007

    To go out of house with a good heap of cards, is the ideal thing to live drowned, you feel very rich, spend without limits and when ll...

Aarón R commented

It leaves your comments

The credit cards

 

The credit cards: the beginning and the end of our sleep

 

   One of the important causes of the indebtedness of the familiar economies, is the facility and the serviceability with which it is possible to spend money across the credit cards. We can acquire what so much illusion does of immediate form, and with the apparent sensation that provides the psychological potentiality to us that we are not spending money, simply we transfer the clerk during a few seconds our wonderful card that opens so many doors to us and that grants so much sleep and desires to us. Also we have "on our part" to the banks, which thanks to his "kindness" there allows us to postpone the money spent in the cards in comfortable monthly salaries. This way we will be able to enjoy our complete sleep and the bank in addition to his corresponding commission received from the seller by the use of the credit card, little our money will be able to take every month thanks to the interests generated by the postponement of our debts.

   But just as the cold winter always comes, the cold reality appears before us soon, and we realize that we are paying our mortgage with an increase possibly annual important thanks to the reviews of our quota and of the continuous increase of the euribor, with the loan of the car that never seems to end and with a monthly receipt of the credit cards that begins already scaring... all this us without counting, the multitude of expenses that in any familiar economy have presence act.


To keep on reading...


Enlaces_articulos

Articles

The Eurogroup meets to face of form joined the crisis
(13-10-08)
Germany does not see positive that the BCE raises the interest rates
(30-6-08)
Pedro Solbes points out that Spain is far from an economic crisis
(30-5-08)
They raise the mortgages, raise the food, raise the fuels
(17-5-08)
The government will help in the enlargement of the term of the mortgage
(20-4-08)
The IMF glimpses a very negative economic horizon for Spain
(15-4-08)
The CNC opens sanctioning records against several food companies
(2-4-08)
Trichet removes the possibility of reducing the interest rates
(27-3-08)
The principal central banks of the world will award liquidity
(16-3-08)
Visa wants to go out in bag
(25-2-08)
What is the OCDE?
(19-2-08)
The surplus of the Social security will be superior to 8.000 million euros.
(14-2-08)
The sudden fall of the demand of the housing has to close 40.000 agencies.
(17-1-08)
The Minister of Labour and Social Affairs speaks about the march of the economy and of the work
(9-1-08)
The inflation reaches 4,1 % of interannual change in November
(18-12-07)
The slowness valuation for stopping paying the quota of the mortgage increases.
(10-12-07)
The second consecutive descent of the Euribor. In November it lowers 4,607 % (2-12-07)

File

November, 2007
October, 2007
September, 2007
August, 2007
July, 2007

It knows

International Monetary Fund (IMF)
The European Central Bank (BCE) and the interest rates
It knows what TAE is
What is an OPA?
(18-10-07)
It knows what the inflation is
What is to inject money?
It knows what the GDP (Gross National Product) is
It knows the commissions that can receive the financial institutions
The oil and the OPEC
What is the euribor?
The appraisal of the housing
What index is better, IRPH or Euribor?
Multidivided mortgage
He mortgages bridge
Inverse mortgage
You mortgage to 40 years: Are they interesting?
You mortgage garbage
Information and advices in the acquisition of a housing
Our mortgage to fixed or variable interest
Differences between property development company, constructor and real estate office

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IRPH It leaves your comments 31-7-2007



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I document without title

last comments

On November 13, 2008

    hello do I have a mortgage in the pensions caixa with IRPH someone knows how is calculated the interest rate to be paid for the year 2009?...

David commented

On February 10, 2008

    someone might say to me who is more thieving a bank ó a father who steals to feed his children.......

He commented on angel

On August 13, 2007

    What I see is that the euribor always rises, and this begins worrying me, seeing when it begins going down......

Pere commented

On August 06, 2007

    I believe that the banks never cover risks, for it they do his studies and handle the world of the numbers in his favor, it brings them...

He commented on Tone

On July 30, 2007

    That thing about the euribor looks like a drama soap opera, nevertheless these days I will sign the writing of my apartment, I am conciente of that can...

Carlos A commented

It leaves your comments

Interes_variable_fijo

 

Our mortgage to fixed or variable interest?

 

 

 

 

 

 

 

We all know that the euribor is rising continuously and takes many consecutive months without descending. Although the highest historical value of the index has not been reached yet, nobody guarantees to us that I did not come to short-term him. Due to these circumstances, there are appearing offers of mortgage loans in which the loan is offered us to fixed interest. But is it really an advantage the one that offers us to itself, or simply is it a question of mere propaganda, with trick ingredients, to take advantage of the current existing worry in the current society for the continuous increase of the euribor?

    Let's analyze more thoroughly the question.

   The mortgage loan to fixed interest counts with the advantage of which we will know in advance which that it will be the fixed quota for the whole life of our loan. This one neither will rise nor will go down. The interest increases will not affect us. Nor the descents, with what we will not be able to benefit from these.



To keep on reading...


City Finance It leaves your comments 28-7-2007



It knows more articles about the category advices


Related articles:

Enlaces_consejos Information and advices in the acquisition of a housing.
To buy the car. To look for the perfect election.
Our mortgage to fixed or variable interest.
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