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Tour of Brazil: Rio - Iguassu Falls, Salvador de Bahia

From March 19 to 29
Group Travel departing from Scandiano and Rubiera. Still a few seats available .....
we will visit the magnificent Rio, enjoy the Iguassu Falls on the Brazilian side that is from Argentina, and get lost exploring the beautiful city of Savadori, capital of Bahia. Program that includes excursions, meals in restaurants NL Nederlands.
For info: Call the agency Holidays & Tours tel. 0522262545.

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New York and the Indian Territories: Colorado, Utah, Arizona, New Mexico

from August 28 to September 13

There are only a few members to complete the start.
exclusive trip through Indian country in Van, maximum of 10 participants to discover and visit areas with group tours do not normally do ...

A New York visit with a guide to the city and admire the most famous of the Big Apple: Manhattan, the Brooklyn Bridge, the Empire State Building, Ground Zero, Central Park , the Metropolitan, etc.. From there we'll fly to Denver to begin our tour in Van to Vail, the first step in the important American ski resort, along the Colorado River with unforgettable scenery to arrive Dead Horse Point to admire the sunset, the spectacular Canyonlands NATIONAL PARK. Visit the Arches National Park, another of the most famous American parks, Cortez, Mesa Verde National Park, wild plateau where you can admire old houses, cut into sandstone, inhabited by the "first Americans". MONUMENT VALLEY, fantastic Indian territory (Navajo), Page, Lake Powell and the spectacular Antelope Canyon. We will continue to Grand Canyon and admire the Marble Canyon. We are going to visit FLAGSTAFF, quaint town "western" to foot of the mountains and continue to METEOR CRATER NATIONAL MONUMENT, huge crater formed by the fall on the earth, a meteorite and the site of a scientific basis for NASA. Visit Holbrook, a typical town of the West, situated on the legendary Route 66. The next day we will Petrified Forest National Park to admire this beautiful and interesting park, we will continue to Canyon de Chelly National Park. Then we will go to the border with Mexico in the city of Las Cruces, then to WHITE SANDS NATIONAL , a vast desert area of \u200b\u200bsand dunes as white as snow, which form a landscape of unbelievable beauty. We will continue to Santa Fe ', the beautiful city of old Hispanic architecture and then to other TAOS town full of charm. We will continue to the city of Denver, where we reluctantly return the van to go by plane for journey return.
Information:

Holidays & Tours Agents Travel

at 42019 Scandiano ( RE), Vallisneri Corso 19, tel. 0522 981098, e mail : scandiano@holitour.com

Branch: 42048 Rubiera (RE), Via Emilia Est 2 / F, Tel 262 545 0522, e-mail: rubiera@holitour.com

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Weekend in Istanbul: Between Culture and shopping

From March 18 to April 26 - 40 days-there's a whole show devoted to shopping and entertainment!
Special opening of shops and super malls until 2 am, concerts, street performers, games for children and especially discount (tax free shopping for tourists to get discounts of 30%)

flights from Bergamo and Rome, 17/03, 20/03 and the return from Bologna on the back with 18/03 21/03.
Flight, transfers and three nights in 4 * hotel in b & b
Cost per person € 270
child 2 / 11 years old sharing room with parents
€ 203 Registration fee € 40, € 75 tax, medical and baggage insurance is already included in share

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Broker websites on the crest of the wave in the race to grab the customer

Double

operation groups and Mutuionline 6sicuro: the first has launched a website for comparing insurance, and the second for comparing mortgages. Supermoney: the customer is not low cost online, has even greater availability of expenditure

ROME - Until last year on the search engine 6sicuro comparisons were made only of policies Rc Cars, while on the Mutuionline and PrestitiOnline users were seeking, respectively, of the loan and the best loan. From little 6sicuro has also launched a service online mortgage comparison, while a few months the group launched Mutuionline cercassicurazioni.it 1, which compares products of 18 insurance companies. The market is booming and promising, and who has already established a leadership in an industry is indeed ready to embark on another, to expand the customer base and offer a complete service. The profit margins are still very interesting, considering that, just for the mortgage market, the most coveted, to date only 5% is from the brokerage online: there is a potential for enormous growth.

The model of the online broker, therefore, is becoming more and more generally, on the basis of Supermoney, the only website that compares everything: mortgages, bank accounts, telephone charges, insurance contracts, credit cards and personal loans. Just one search Supermoney apparent how 'interesting' the customer, before opening an account or to charge a mortgage, makes a comparison online. Meanwhile, average pay an installment on a mortgage twice the norm. If in fact the average mortgage installment in our country was

of about 510 € in 2009, with significant differences between those living in the South (436 €) and those living in the North (530), users have requested Supermoney funding with an average rate of 1000 € per month. Customers are therefore more disposable income to do before a confrontation over the network.

"These numbers show that the greater availability of public spending to use online comparison services. - Points out Andrea Manfredi, director of Supermoney - So there is only the desire to save at all costs behind 'use of comparisons, and average almost twice the rate all'offline example of this is. " There is therefore the association between the web and low cost, which for example, features sites that offer travel.

Despite competition in the field already is a lot (in addition to the sites already mentioned, there are many others that can be traced through a simple Google search: Migliormutuo.it, mutui.it, for current accounts is the most complete website instead Patti Chiari, sponsored by ABI) business for the moment are very good for online brokers, which appear in full expansion. 6sicuro for example, closed 2010, registering a real peak of development in a market which still has not recovered, and saw a volume in terms of revenues equal to four times the previous year.

make comparisons before choosing a product but is also convenient to the customer. In a sector such as insurance, with rates rising sharply, and an average that stood at € 1180, consumers can save up to 439 euro, analysts ensure cercassicurazioni.it, claiming 33.8% of Applicants can get to save more than € 500. Only 0.8% achieved potential savings of less than 100 €. 6sicuro argues that the savings could reach 50%. But you can save on mortgages and loans, so that Mutuionline has just signed an agreement with the group Tecnocasa, which therefore always recommend browsing the site to its customers before signing the loan agreement. The audience also appreciates very much transparency. Contracts are visible on all the details, there are any useful information to avoid surprises.

From:
http://www.repubblica.it

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interest-free loans in San Benedetto del Tronto Guide

Interesting initiative of the Municipality of San Benedetto del Tronto: interest-free loans for college students with children unemployed, the maximum that could be awarded a refund of € 5164.57 in three years. Applications must be submitted by October 31, 2011.
We see the details: the municipal administration of San Benedetto del Tronto decided to extend an existing benefit since 2000 to other categories of citizens by providing the granting of interest-free loans to employees in need living in San Benedetto del Tronto with univeristari tax-dependent children. In particular, they can access initiative unemployed, laid off or on the move with children enrolled at the University regularly and not outside the course.
The maximum amount you can get is € 5164.57 to be repaid in three years, the City is to assume the payment of interest. The action applies to the anus and the 2010/2011 academic questions can be submitted by October 31, 2011. To view the full announcement, please visit the website of the Municipality of San Benedetto del Tronto. The initiative is
exemplary and may represent a valuable aid for those in temporary difficulty, but obviously not everyone will benefit from it.
In any case those who need to apply for a loan staff may also decide to address the market and evaluate the offerings. To choose the most convenient and in line with your needs, you can use online as comparators Supermoney , which allow you to compare personal loans best among those of major banks. Supermoney then verify through the most viable proposals for a young twenty-five, with limited source of income, in order to maintain studies need 5,000 euro cash (with insurance) to be repaid in three years.
the first place you rest Creditopplà fixed Ubi Banca with installment of 167 euro per month, APR of 13.18% and total refund of € 6,017. Following Loan Cash Unicredit with the same installment of 167 euro per month and total of 6,017 € to be paid more, a small difference to the overall winner of the APR of 13.19%.
In third place is finally Creditopplà One Fixed Rate - ever Ubi Bank - with installment from € 168, APR of 13.56% and total return on the bank of € 6,046.

From:
Supermoney.eu

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Mortgages - replacement is the replacement of home mortgage

Mortgages Guide - replacement is the replacement of home mortgage

- A home purchase loan may become unsustainable over time, not only a variable rate mortgage can have an installment that grows over time too because of 'increasing the European indices of reference, but also a fixed rate mortgage can create problems if they are to change the their financial conditions.
Then the solution, made even easier by Bersani Decree of 2007, may be the subrogation the loan or its replacement : these two operations, since the latter also states that there is an additional liquidity. How to operate if you want to substitute your mortgage? First, one must observe the 'last installment paid, the APR (annual percentage rate), how many are still missing installments to be paid, the total outstanding principal, with these data at hand, you have to calculate several quotes online so as to compare what they can offer various loans subrogation.

with various mortgage quotes in hand, we must go to your bank asking for the renegotiation Loan , which is possible at no cost to the customer, including through a simple deed without notary (the bank has the right to ask, however, the 'action: then the costs are borne by the customer): You can negotiate changes in the rate interest of 'payment amount, the type of loan, the duration of the plan rimobrso ...

Obviously the bank has not 's obligation to accept, at this point then you can take out a mortgage at a surrogate for' another bank that will take care of all the practices of movement: the customer does not have to pay fees or commissions. Instead, for the replacement of mutual there are more costs, because this practice with the client also requires additional liquidity: because you have to do a new mortgage, will have to bear the costs (there is also the possibility of any loss of tax benefits).

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Tallinn: European Capital of Culture for 2011

titled The Lonely Planet Magazine, the bible of travelers around the globe, has included in the list of must-see destinations in 2011. And no wonder, given that Tallinn is not only one of the most seductive of Northern Europe, but this year may also have the title of European Capital of Culture. In the coming months, the capital Estonia will in fact be the stage for a full program of events under the banner of art, music, theater, dance and traditions, with the sea as a theme, a crossroads of history and culture. For the city near the Baltic Sea is a unique opportunity to enhance the medieval old town, Patrimononio UNESCO, and at the same time rediscover its maritime past.
Most events will be concentrated in the summer months, which are also the ideal time to plan a trip to this area of \u200b\u200bNorthern Europe. Indeed The Diamond , tour operators Consortium Quality Group , organizes six group departures between June and August, at event more attractive, with prices starting at € 345.

Participants the first trip, set June 3 to 6 , seem to pop right in the Middle Ages arriving in the capital of Estonia during the Days of Old Town, the streets surrounding the Town Hall Square invaded by musicians, extras in period costumes and crafts markets that will revive the glories of the past.
June 24 is hand to witness the phenomenon of white nights, typical of northern latitudes, so during the summer solstice the sun sets just after midnight (or not set at all): a natural event that the northern populations have become a valid excuse for partying and dancing all night.
From July 15 to 18 moves the center of attraction on the waterfront, where as concerts, exhibitions, tours of historic ships, races and competitions of various kinds, the festival is staged The Navy wants to Tallinn which symbolically reclaim its historic relationship with the Baltic Sea. For the occasion, inaugurated the new Museum will Estonian Maritime, set in the seaplane hangar and connected to the city by a new coastal promenade.
The austere medieval complex of the Convent of Pirita, reopened to the public a few years ago after a long restoration, however, is the stunning backdrop of the Birgitta Festival, unmissable event for lovers of opera and ballet, which this year will see the extraordinary participation, among others, the Russian National Ballet. Given the importance of the event, The Diamond included two starts, 12-15 and 19 to 22 August.

's dedicated to music lovers also trip scheduled August 26 to 29 when musical notes of all kinds into the city, resonating from the top of several towers, ancient and modern, that draw the characteristic skyline. "Towers of Tallinn," the name of this unique festival, it invites you to discover the rich architectural heritage with music. But is not everything, because the same days you can attend also to the representation of Parsifal. The latest work by Richard Wagner made his debut in the Baltic country with the preparation of Estonia National Opera, which for this event has chosen the unusual Foundry Noblessner stage which, incidentally, lies along the Baltic Sea.

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DIVIDED TRAVEL FOR THE RED SEA: The MFA takes I do not recommend

Italy follow the decisions already taken in most of Europe and Egypt do not recommend it loosens. In the new communication from the Ministry of Foreign Affairs are in fact 'reopened' the doors of the Red Sea, which would enable even the Italian market to reactivate the machine of tourism. The text of the foreign ministry in the country shows that there is a gradual resumption of activities and a trend towards normalization. "The situation in the Red Sea resort - the Ministry of Foreign Affairs points out - it seems for the moment under control, although it is advisable to orient travel in those areas needed preventive care and information on the evolution of events. "I do not recommend instead remains bound to the city:" Because of a security context - said the note viaggiaresicuri.it - \u200b\u200bwere, however, at present, to avoid the major cities, including which Cairo, Suez, Alexandria, Ismailia.
Egypt, the British to take over the Nile cruises

The British tourist machine back into gear on Egypt. From the end of the month, in fact, tour operators British programming will resume cruises on the Nile, after the Foreign Office has removed the warning for the trip to Luxor. As of February 28 Discover Egypt will re-launch charter flights from Gatwick and Manchester at Luxor, resume the same day cruises on the Nile made by the tour operator Red Sea Holidays. Other traders prefer to wait for the Foreign Office maintains the green light on the trip to Luxor.

France is preparing to reactivate the flow even to Egypt.

After the green light on the Ceto Tunisia, the association of tour operators across the Alps has declared its readiness to resume travel on the Red Sea and asked the public of the country to push for the government to fully reopen its doors eliminating the constraints of the country. Meanwhile, an important signal arrives from Club Med announced the dates for the reopening of their villages: the Bay Sina operating return on March 5 while The Med El Gouna will reopen on 19. On the front of the Tunisian reactivate the Med Djerba La Douce France from 26 febbraio.a ready to go on the Red Sea. In March, the Club Med will reopen

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Mar. 2011 UNDERGRADUATE CALENDAR SUBMIT FINAL

03/10/2011
The calendar degrees CHANGE March 10, 2011. Changes to the committee.

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consumer loans: Credit Lift Elastys has few expenses

Lift Elastys Credit Personal Loan is a convenient, thanks to a tan (annual rate) of around 10%, more precisely, is 10.40% for loans up to € 2500 of 10.75% for loans up to € 5000 of 12.30% for loans is higher.

But what matters for the convenience of personal loans is the APR, or annual percentage rate Global, which also includes the various costs of financing the loan Credit Lift Well Elastys no initial costs of investigation nor monthly management fees (including the installment is no collection costs, if charged on current account, and if repaid in newsletters to be paid will mail in the cost of 'operation).

consumer loans: Credit Lift Elastys has few expenses
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addition, the insurance policy on the ability to repay the loan by the client is optional and has a total cost ranging between 2.82% and 7.35 % of the amount required, depending on the length of the repayment plan, establish up to 60 months for new customers, while those already customer 's institution is drawn up to 120 months.

An example of a loan: € 10,000, repayable in 48 months, required for a permanent worker, which also activates the insurance policy, are redeemable at just 48 monthly installments of € 274.08 (total return: € 13,155). Required all Italian citizens or foreigners, given time employees, self-employed, pensioners, the personal loan Credit Elastys Lift delivers up to 10,000 € for new customers, up to 30,000 € for those who are already customers, it is a personal loan, can be used for different types of expenses without having to produce any justification for its request.

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the subsidized loan Young couples and Requirements

is finally coming to the soft loan for young people, a facility for young couples who must purchase their first home.
The soft loan for young people has a maximum of 200 000 €.

By the end of the month, the Minister Giorgia Meloni, Abi will sign with the Memorandum of Understanding will be prepared and then agreements with various banks.

The soft loan is expected to be received by ten thousand young married couples with children and single-parent families who have borne children.

the requirements to have the soft loan for couples are:

The age 'of both members of the couple must be less than 35 years. The total income
dall'Isee detected (the equivalent economic situation indicator) should not exceed 35 000 €. Also no more 'than 50% of the total amount of taxable income for income tax must be due to an employment contract of indefinite duration.
The couple should not be owned by third parties, except those where the borrower has purchased the property for succession because of death, in communion with another successor, and that they are in use at no charge to parents and siblings.
buying the property to be used as a principal residence does not fall naturally into the categories of land mansions, villas and castles. It must also have an area of \u200b\u200bless than ninety square meters. In granting the guarantee will be given priority 'to cases where the property is located in areas with high density' housing.
Admission to the guarantee fund is only electronically with the dispatch of documentation attesting to these requirements.

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loan without employment contract?

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Loans, a company in trouble on two

In a commercial crisis almost two.
Like the third quarter, even in the last quarter of the year just ended an almost two (48.9%) report difficulties or unable to cope with its financial needs.
is what emerges from the observatory on credit for firms in the trade, tourism and services in the fourth quarter of 2010 achieved by Confcommercio - Business in Italy.
If the demand for credit - explains the analysis of Confcommercio - you can find some sign of vitality with nearly 26% of companies have turned to the banking system for funding (3% more than in the previous quarter) , nearly a quarter of businesses - the highest figure for two years now - got an amount less than required or even was refused the request of all of the funding.
declined heavily, finally, the perception by firms about the costs of offering credit by banks: they increase, in fact, the cost of finance, that of the other conditions and that of banking services.
Companies that said they were unable to cope with its financial needs were 51.1%, 39.7% with some difficulty, failed to meet those costs 9.2%. A
be less able to cope with their financial needs in the quarter, or more firms in difficulty, were micro (1-9 employees), operating in the commercial sector, residents in southern Italy.
The other firms that have succeeded, instead, to meet your financial needs, without showing any kind of trouble, were the medium and large companies operating in the service sector, residents in the North-West and North-East of our country.

From:
http://www.ilsole24ore.com/art/economia/2011-02-12/prestiti-affanno-impresa-094812.shtml?uuid=AaHYdk7C

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Loans On Line: The Compass Of Prposta, very flexible and convenient

The personal loan Compass Total Flex funding is intended for individuals' purchase of consumer goods, consumer durables as a 'car or a motorcycle ol' furniture, or for other spending needs, maybe family, proposed by Compass, the financial Mediobanca Group: Do not you still need of justification for the request. The personal loan
Compass Total Flex may be asked directly to a branch the financial Compass, which is located by the company's website, or by starting practices directly via the Internet, could also make it an online estimate , the asking price will be paid directly to the customer's current account with a bank, and current account will be paid by installments by direct debit (can also pay by postal payment, in which case you pay the installment fees collection).

Loans On Line: The Compass Of Prposta, very flexible and convenient

The personal loan Compass Total Flex delivers a minimum figure of 1500 € and a maximum of € 30,000, the amortization schedule is flexible and customizable, because the customer has the rights to modify the 'amount of monthly payment depending on your needs, for 5 times in the course of the loan, lengthening or shortening the duration.

Compass Flex is also ensured, if the customer requests it, with an insurance policy to ensure repayment in case of events such as unemployment or disability. You can read about on other personal loans "loans online " or " Stock Loans

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False loans to entrepreneurs in crisis, Mortgages

The scam in a butcher's Bra. The other suspect cases!

(ANSA) - DOGLIANI (WEDGE), 12 FEB - He proposed false loans to entrepreneurs in trouble '. It 'been arrested for fraud. To discover Vittorio Gallea, 57, living in Turin, were yesterday at the police Bra Dogliani. Investigators suspect that this is not an isolated case and that many others may be victims, all fall into the trap of leaflets that offered loans at good interest rates. The man 'was locked in a butcher's Bra.

The victim had been granted a loan of 100 thousand euro, with a check, having been stolen and written off. (ANSA).

From:
www.ansa.it

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arrested, but the customers ask for the variable push banks on fixed (seven loans out of ten)

The year 2011 is marking the return of the arrogance of fixed-rate mortgages. In January, in fact, seven out of 10 loans have been signed with the rules of the rate locked for the entire amortization period. This is a significant overhang from the average of the mortgage loans in the second half of 2010, when the fixed rate occupied 32.7% of the total pie of mortgages granted. But now we are at 68.8%. In free fall, disbursements pure variable rate (slipped from 40.9% to 17.4%) and even those with variable rate cap (from 24% to 12.8%, data MutuiOnline.it ).

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Extended until July 31 the possibility of suspending the rate is maintained absolutely
residual share of mixed-rate mortgages (which let you change or a rate several times during the remaining life of the contract), which fell from 2.4% to ' 1 percent.
How to read this revival of the fixed rate? From the macroeconomic perspective, the most evident signal is given by the prospect of higher interest rates. Thursday, February 3 the European Central Bank decided to leave the rate unchanged at 1% of the European reference (stuck on this level since May 2009) but the team led by Governor Jean-Claude Trichet has hinted that if the ' inflation continues to rise (at the end of 2010 exceeded the alert level of 2%) is prepared to intervene by raising the cost of money (the expectations are for a mini-close to 25 basis points in the second half of the year).
The point, hand calculator, is whether this bullish scenario justifies the financial choice to opt for fixed rate now (more expensive) than the variable. Comparing the best deals in 20 years, it follows that the gap between the two products is greater than 200 basis points. In detail, the best variable is obtained in exchange for an APR (annual percentage rate, including interest and other expenses) of 2.21 percent. ll fee best fixed costs to 4.75 percent. Translating the proportion in rate and assuming a loan of € 100 thousand, the monthly amount to be paid now stands at € 510 (variable rate) or 641 (fixed rate).
Because, over time, the rate equals the variable-rate it is necessary that the European Central Bank will bear interest rates from 1% to 3.5%. That increases the current rates of 250 basis points. A perspective that, at present, seems far away.
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the revival of the fixed rate contributes (in addition to the fear of higher interest rates) the attitude of lenders (the offer) that at this moment is far from application. You can tell just by checking the cake of requests for loans. Also from surveys MutuiOnline.it in January, shows that 62.1% of the requests is a variable rate (40.4% pure variable rate, with 21.7% cap) and the 35.3% rate fixed. So the question is still predominantly floating rate. However, as we have seen, disbursements are mostly at fixed rates. It is therefore clear that there is a shift in demand from supply. In practice, the data indicate that at this stage (when Eurirs have reported more than 3.5%, after touching a record low 2.7% in August 2010) the banks prefer to lend fixed-rate mortgage. Perhaps, to avoid the risk of customers, after choosing the variable rate, decides to run away after a short time (through the opportunities guaranteed by subrogation ) from Frankfurt soon begin to raise rates.

From:
http://www.ilsole24ore.com/art/finanza-e-mercati/2011-02-13/mutui-clienti-chiedono-variabile-151002.shtml?uuid=AahZwz7C

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The loan is full of honor demands to renegotiate the mortgage

growing desire to start his own business through the use of public incentives: in 2010 the call for contributions and loans to start micro-enterprises increased by 30 percent. The forces of law and sull'autoimpiego sull'autoimprenditorialità (Decree No. 185/2000) - Invitalia maintained by the National Agency for the attraction and business development - in eight years has received over 110 thousand applications from aspiring micro-entrepreneurs, and has funded 65 thousand due to 3 billion public funds (4.8 institution).
In recent years, however, resources are running out. "Currently there are 100 million in cash - said Domenico Arcuri, CEO of Invitalia - the result of falls of the loans and the reclassification of certain balance sheet items, a sum that will enable us to provide aid until June, hoping to have soon new funds through the Plan for the South. " Most requests arrive, in fact, residents in South (93% of cases) aged under 30 (51%) and a medium to high degree (68% are university graduates or graduates). To meet the higher level self-employment is the formula that results in student loans and bonuses to unemployed people who wish to start their own businesses as a sole proprietorship with stated investment not exceeding € 25,823. Proportion that rises to over € 129mila for micro-enterprises. The concessions are transmitted through three channels: grant, soft loan and technical assistance services.
interventions are directed at self-employment start-up, controlled under 35 living in disadvantaged areas of the country.
Last year, 4,396 applications have been funded on the front of self-employment (39% of those submitted) and 26 (18%) for self-employment. A selection that is not sparing anyone. "We try to admit only those initiatives that have a good chance of success - says Arcuri - and the rising share of loan repayments is an indicator of the strength of new companies that we fund." There are currently undergoing investigation about 5 thousand questions. "A share, which tends to grow because of the questions that now also come from areas of the country, such as Lombardy and Veneto, which came in the past few requests, a clear symptom of the crisis." The timing for a response are on average equal to four months, with a maximum of six of the submission of all required documents.

From:
http://www.ilsole24ore.com/art/economia/2011-02-14/prestito-onore-pieno-richieste-063819.shtml?uuid=AaBxm67C

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If you have a mortgage been underway for a few years you might consider the idea of \u200b\u200brenegotiation to make it more convenient to fit your current needs.

Maybe the conditions under which they had obtained the financing there seemed perfect for the times when you have a contract, but over time you realize that the mortgage has become too difficult to fulfill. The practice of

renegotiation of the loan can be obtained in various ways, for example, to transform their finance from a fixed rate mortgage to an adjustable rate mortgage or vice versa.
Change the type of interest rate is not the only motivation that can push us to demand a renegotiation of the loan.

Often you need to lengthen the repayment period of the initial amount, maybe because as it currently is not sustainable.
But it is also possible to renegotiate the mortgage the contrary, then reduce the number of payments with a consequent increase in the monthly amount.

How much does require a change like that?
Being a simple upgrade of the contractual conditions and the closure and reopening of a new agreement, do not apply to bank charges or the replacement tax.
is not even strictly necessary because the presence of a notary will be an agreement in the form of private writing.

So if you are struggling to deal with the payment of installments to initial conditions, do not hesitate to head to your bank for an update of the financing: the bank will be willing to come and meet and renegotiate the loan instead to see contact with another bank for a loan more favorable.

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families in need, credit consumer loses three billion

Back the shopping desires of the Italians but not enough to reverse the trend in consumer credit dell'annus horribilis 2009. Cala but the fever of insolvencies, from a peak of 3.2% reached last March. The Italian won last year each, on average, about two loans: banks and finance companies have slipped into the pockets of consumers nearly 53 billion, 5.3% less than in 2009. Which allowed to buy cars, appliances, holidays and real estate studies and finance the restructuring and expenses health. So it went better than 2009 when the recession cut the payments in a single stroke of 5.2 billion. In 2010 it was "only" 3 billion. But the general trend has greatly influenced the "groomed" the Bank of Italy to the financial players: for example, is now forbidden to issue cards to stores the same installment financing (instant credit) or to the address of the contractor after the conclusion of a financing (it is preferable to an ad hoc contract). Or even a halt to the widespread practice of making salary renewals have elapsed before the two-fifths of the duration of funding, as required by law. According to market participants for this year's prospects are weak: a part of CIGS is not going to be renewed and this will weigh on household budgets that are the engine of consumer credit.
"These years of crisis - says Valentino Ghelli, Assofin president of the Association of the company's consumer credit - showed that consumer credit is not a social safety net, or rather, the crisis was that the conservative Italian families reduced both the propensity to consume is that indebtedness. "
In detail, according to data Assofin in 2010 were made 112.4 million transactions, down 1, 2% and the average value per transaction was € 16,300. As to the forms techniques, only grow in sheets for the personal loans, albeit a meager 0.1%, to 19.2 billion. These, like the special-purpose loans are directed to the purchase of appliances, cars, furniture or renovation of houses, but the peculiarity is that they are paid at the offices of the company or bank branches. The purpose loans instead on cashing store, but, in this case, the holding company must recognize a commission to the seller. "The growth of the purpose (+4.7% to 4.2 billion note) - Ghelli notes - is explained by the stop imposed on the card installments but also with the boom in funding for new technologies: smartphones, tablet, decoder, digital TV. "
Funding for new and used cars have dropped 11, 4% to 13.5 billion due to the braking of registrations, which gave the market fell to 20%. Speech difficult for credit card installment (-5.4%, disbursements) due to the red light imposed by the Bank of Italy to instant credit. The salary, out of the boom, fell by almost 14% to about 5 billion. "All these elements - says Giuseppe Piano Mortari, chief operating Assofin - have made households a little 'less cicadas a few years ago and now, having reduced the propensity to consume, use less to finance. Although in 2010 the company Financial have loosened the purse strings. " Perhaps because
febbriciola the default rate (a measure of new bad loans and delays of 6 or more payments in the last year) 'show - notes Daniela Bastianelli, senior analyst at CRIF Decision Solutions - a significant improvement from previous quarters: after the peak of 3.2% last March, the indicator fell to 3.1% in June and 2.9% in September. "
And for 2011? "It will be another year to play defense - Piano Mortari claims - We'll see if the volumes will be confirmed or if there are other contractions. For the rest there are the adjustments related to the regulations of Bank of Italy and probably will accentuate the process of reorganization and consolidation of the industry. " For Ghelli 'the rules of transparency Bankitalia create many more protections for consumers: it should build confidence and boost the development of consumer credit. " ©
RESERVED REPRODUCTION


NUMBERS

112 000 000
Operations financed
Last year in Italy in the consumer credit industry has been characterized by a slight reduction in the number of transactions, amounting to 112.4 million, with a stop of only 1, 2%.
19 billion
Personal Loans
The largest individual item inside the compartment is the one concerning personal loans, not intended for a specific transaction or, for example, buying a car. The industry has taken, with a stop in value by 0.1%. -19%

Motorhomes
the biggest drop in commercial vehicles, with a stop of 19%, at an altitude of 114 million.



article:
http://www.ilsole24ore.com/art/economia/2011-02-12/famiglie-difficolta-credito-consumo-094727.shtml?uuid=Aa1eck7C

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London: loans in exchange for bonus

LONDON. From our correspondent

credit to small and medium-sized enterprises in exchange for bonuses. The pact between the government English and the banking system (RBS, Lloyds, HSBC, Barclays and Santander in part) was signed yesterday with the commitment to increase lending to business and new rules on pay. The so-called Project Merlin provides, therefore, higher credit lines to the industrial share to more than 190 billion pounds, ten more than last year and offers a comprehensive series of posts in a row on the salaries and bonuses of bankers.
An agreement that allows the City to get out of a deal that essentially integrates seemed destined to hit the world of finance is far more than actually happened. The government, in fact, failed to impose radical cuts to the packages of senior managers, but only a reduction to below the levels of last year broke down when the share of 7 billion. The column total for 2010 will be approximately 6 billion and in the case of RBS and Lloyds - the two institutions controlled by the government - the cash portion will be equal to that of 2009: no more than a few thousand pounds. Stephen Hester, chief executive of Royal Bank still qualify for cash out of 2.04 million pounds, while the outgoing chief executive Eric Daniels of Lloyds 1.45 million. RBS confirmed that it had reduced from 1.3 billion to 950 million the treasure for the satisfaction of employees. Criticized a decision by Chancellor George Osborne. "As stated by Prime Minister bonuses for Royal Bank of Scotland and Lloyds this year are much lower than those last year. There will be no more, as in the past, the banks are able to give up on the remuneration of the credit to the entire industry. " Much higher than the "checks" the bankers of private institutions, with Bob Diamond, Barclays, suspected of being next to the collection of 9 million.
satisfaction with the deal closes - especially bankers - negotiations that the government aimed to raise the claim never took off after the 2008 crisis. Companies, especially small and medium ones, for months complained of the lack of willingness of banks to lend. The need for making budgets and the need to cope with new rules that the international banking system we have seen to impose, from time pushing the banks to cut credit. The Merlin project establishes that banks should grant this year ten billion more than last year and all firms whose average share of small loans grew by 15%, from 66 to 76 billion on the new total of 190 billion pounds. The Bank of England quarterly inspections will monitor the granting of credit. The Government managed to convey the principle that among the criteria for calculating the bonus must be added that of granting credit. In other words, in principle, banks are more generous with the business will largheggiare with its own management. George Osborne also went further by obtaining the commitment is binding, to publish the salaries of the top five highest paid managers who do not sit on the board of directors. A band that over the coming years will be extended to other executives, also on the board. But that does not extend anything, has been established, the top traders and investment bankers who always have the most astronomical salaries.

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U.S., down requests for loans and refinancing

(AGI) - Rome, Feb. 9 - In decline loan applications by U.S. consumers in the week to February 4, 2011. The index of mortgage applications fell 5.5% while in fact the index on applications for refinancing slipped 7.7%. This was announced by the Mortgage Bankers Associations (MBA). Thirty-year mortgage rates rose to 5.13% from 4.81% last week

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Bankitalia mortgages more expensive loans in December and stable

According to the Bank of Italy in December 2010 , interest rates applied to loans granted to Families have suffered increased from 3.09% to 3.18% in November, with a relative increase of the rate for all those Italians faced with paying a home mortgage.
The supplement to the Statistical Bulletin "Money and Banking" Bank of Italy also shows that interest rates for consumer credit decreased slightly 8, 33 compared with 8%, 39% the previous month. The loans have remained fairly stable, and in fact the annual growth rate of loans to individuals marks a constant value of 3.6% from 3.5% in November.
From these data, we wanted to check with the portal Supermoney how to actually translate these figures, the comparison of the best fixed-rate mortgages and variable rate currently on the market, a demand of 145,000 to be repaid in 25 years to buy a property for € 200,000. The profile considered is that of a family man of 40 years, with contract for an indefinite period and net income of EUR 5,000 per month who want to purchase their first home.
choosing a variable rate the first mortgage is offered by cheaper CheBanca! with variable mortgages, which suggests a rate of € 625 per month, 2.19% APR and a full refund of € 187,917. The second is Mutual Orange of ING Direct with an installment of 628 € monthly, APR 2.21%, and a full refund equal to € 188,445, while third place is always occupied by CheBanca! with Mutual Savings that installment amounting to € 639, APR of 2.40% and total refund of € 192,224
For the same loan application but with a fixed rate is Fixed Mortgage CheBanca! the most advantageous tender, with a monthly payment of 843 €, 5.09% APR, for a total repayment of € 253,322. Followed in order of convenience ING Direct Orange Mortgage with a tranche of € 847 per month, APR 5.10%, and a total of € 254,043, and Mortgage Purchase IWBank an amount of monthly payment of 877 €, APR 5, 47% and a full refund of € 262,970.
Note how the difference between fixed and variable installment is on average € 225 per month, with a variable marked for convenience.

'The reproduction of this content is allowed only include the link: Reference Help Consumers and the link to Supermoney.eu '

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Mortgages: moratorium on enterprises to further extend

so extended under the "Family Plan " Italian Banking Association, the moratorium on calculator families with deadline moved forward by six months until July 31, 2011, a measure of the same type could get even for the small and medium-sized enterprises which would then have more time to present instances of "freezing " of the principal amount of mortgage financing but loans and leases . According to a report in the Confcommercio , in fact, at the Ministry of Economy next Monday, January 31, 2011, will meet, the last day of the current moratorium to favor of SMEs , business associations and the Italian Banking Association (ABI ). About the orientation, as mentioned above, is to reopen the terms of the moratorium to SMEs for a further six months, but probably the meeting will also serve to review progress on 'access to credit and possibly to discuss measures to ensure an action funding, to loans and mortgages to by means of easy accessibility.

If the moratorium on SMEs, as expected, will be extended for six months, will be able to take a breather at the financial level, to submit their application until 31 July, both SMEs , and families in difficulty with paying the monthly installment Loan .

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Mortgages and rents unaffordable for 40% of households Five new tax havens

In Italy there are two 'bombs' ticking to explode: the clash institutional and government debt. E 'analysis Eurispes. In fact, the relationship that each year gives us readily shows that mortgages and rents are unsustainable for 2 out of 5 Italians, 40% of households have serious difficulties to pay the rate later this month. In fact, according to the latest data shows that to make ends meet to pay the mortgage and 'an insurmountable obstacle' to 35.1%. The North where there are factories and centers there is more work as the engine of the system contributing to the gross domestic product in a manner superior to other areas where it has remained unchanged over the past decade.

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L 'OECD announced today that five new countries, including Mauritius, Seychelles and San Marino have not passed the preliminary examination of the Global Forum on tax havens, which assesses the laws and practices of States.

After an initial wave of eight reports In September, the Global Forum on transparency and exchange of 'information for tax purposes, which brings together 94 countries released the results for the ten new Member States. For the first five, the forum established under the auspices of the Organization for Economic Cooperation and Development (OECD) should consider only the legal and regulatory framework.

result: four of them, Barbados, Seychelles, San Marino and Trinidad and Tobago, 'do not meet international standards and to implement the recommendations contained in the report before the next phase of evaluation', the OECD said in a statement . The Forum has observed, however, that San Marino had recently passed a law major, promising to consider them as soon as possible to complete the process of transparency and return to the international rules. Among these five areas, only the channel island of Guernsey has adopted a legal framework satisfactory. Five others were evaluated according to the laws and also for the effective implementation of international standards. Among these, the Mauritius, which have gaps in their legal framework, such as information on the accounts of some offshore companies, are the assessments, the Global Forum. Similarly, the practice of reception some rules to show Mauritius that there is room for improvement, particularly as regards access to bank information for tax administration.

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Mortgages: Password convenience

That of online calculator is a market in continuous development. Although the loans signed in traditional branches continue to be the preferred choice by the Italians, the trend is gradually changing along with the desire to save the Italians.
The economic crisis, although formally at an end, continues to extend its tentacles to consumers, creating their own problems to get to the end of the month and to make significant investments in the pipeline such as the subscription a home loan.
The "victory" of a bank on the other is in vantaggiosità bid. And many financial partners have understood that point to save the consumer is the key to succeed to conquer. One who intends to subscribe for a mortgage will be more tempted fact, the offer cheaper market. Those who offer loans online are the people who will have greater success nell'accalappiare the consumer. Because the savings, even a few hundred euro in practice, the latter representing a further step towards their projects.
course another important factor the conquest of savers is the ability to have a great figure divided into a depreciation cost in time and money. This is not an impossible task if you know how to look for. And the bids are often well-structured network from this point of view. Online vs. Traditional: no contest.

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Mortgages Italians too expensive compared to the average European

According to what was said by ' Reeds, the national association of home builders in recent days, the home loans issued by Italian banks are among the most expensive in Europe .

According to this study, each family pays, on average, about 9 000 € more than to the average paid by a family in another European country.

This well result in harm to families who find themselves having to pay the equivalent of a year of mortgage more, means that we can not give life to a real recovery that we have to restart the market real estate.
This news adds to that we have given a few days ago on bank accounts and establishing a framework not exactly rosy in our banking system that appears in many respects very modern and too expensive compared to that of many other countries Europe and beyond.
So maybe we should start working to start a process of cost reduction enabling efficient products and to offer services at competitive prices, thereby making it more sustainable is not only home loans but also the entire management of the credit.