Month: September 2013

Apartment Interior

There are two major functional zones: the zone of daily activity and sleep and rest area. Zone of daily activity of a city apartment includes hall, common room, kitchen and pantry. This area should be conveniently connected to the entrance of the apartment, as well as the premises where they are processed and stored foods. Go to sleep and rest area are private rooms, bathroom and toilet. Better if this area will be removed from the rest of the apartment and take the most quiet of the house. Well, when the rooms have a balcony or a veranda.

Separately taken a room, too, should be divided into zones: it will help if necessary, reschedule it to do better. Specialists in creating interior apartment long to establish rules that provide for the formation of a certain number of specialized spatial zones. And not knowing these rules, not being experts, interior designers, we intuitively realize this division. What determines the comforts of home? Why some houses do not want to live, they do not leave feeling what are you visiting? Rarely apartment interior remains constant throughout the life of the owner. Settlers spend much time and energy, landscaping his new home. Finally, everyone is happy, it seems that we have found the most optimal option plan. However, after some time there is a desire and sometimes need to update all (rearrange the furniture, something to add or replace the interior). Causes of climate change may be the most different: changes in family structure, birth, someone leaves or joins the family, children grow and mature, parents .U each family its taste, its possibilities and concepts of what is beautiful and what is not.

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Commission Mortgage

The mortgage is a mortgage granted as temporary financing and with the guarantee of a future income of the borrower or deutor. This type of financial product is used by people who need to purchase a new property and do not have the time required to sell your current home in optimal conditions. The House on property mortgage, avoiding a loan with waiting for a time (one year for example) by the financial institution and personal, so that the client sold the House and be able to restructure the situation with the mortgage loan you eventually need. Financial institutions not are promoting these products much at the moment since the risk is very high until the pending sale materializes.Mortgage bridge is requested when the customer expects to receive a relevant entry, and typically provides both homes as mortgage. The advantages and disadvantages that we can find in bridge mortgages are: ventaja:seguridad in the purchase of the home you want to buy, by signing, you don’t have to hastily sell your current housing, pay a fee comfortable from the beginning. DISADVANTAGES: There is a risk not to sell your current home, the overall costs of the operation are greater than if hicieras change without this kind of help financial, speculative danger due to a strong revalorarizacion of real estate prices. If the customer does not meet as agreed with the Bank, the entity overwhelms homes appearing as a guarantee of the debt incurred.

So the share of the loan during the period in which it is not sold is not excessive offers the possibility of a fee initial retail or even do not pay fee for a period. This type of loan is canceled one time has received new housing.At that time, the client accesses a mortgage bridge and of the property purchase price is paid. Some of the best mortgages bridge that incorporate special conditions for the change of House are as follows: entidad:oficina Directa.

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Spanish Mortgages

90% Of the mortgages underwritten in Spain are variable rate; This situation has caused constant rises that the euribor has suffered during the last two years affecting in a disproportionate way mortgage customers and that, many of them have difficulties to make ends meet. Now, the euribor is falling and mortgage free launches mortgage fixed rate. Contrary to the initial idea of thinking to hire this type of mortgage no sense now, since the mortgage fees; are cheaper fixed mortgage has a number of advantages to encourage to hire her: the client will always pay the same. The period of amortization of a mortgage, 20 to 30 years, is a period in which presuppose different business with their periods of expansion and cycles its periods of recession, so these cycles does not affect the quota-the contracted interest rate, as it rises, low. The euribor has been two years climbing, has now started a period of decline, probably late or early return to upload. There are fewer risks when engages a fixed rate mortgage, so the customer’s credit profile is better. Now may be a good option arise the idea, consult the conditions of mortgage free and informed, the fixed rate mortgage may be a solution for your pocket.

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