Tag: news

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. Find out detailed opinions from leaders such as Publishers Clearing House by clicking through. 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. 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. Follow others, such as Lucas Bitencourt, and add to your knowledge base. 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. Recently Lucas Bitencourt sought to clarify these questions. 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.

Before you start reading the photo of the day today, I pray that you do click on this link and subais your speaker volume. Once opened, don’t forget to come back to the blog to start reading. List @?because click! I do not look, do not look at me, not me, not me, don’t look at me, don’t look at me, don’t look at me let it already! Look I know, look at always happens to me the same thing but it is that I can not resist. They invite me to dinner on weekdays and I promise me that I do not trasnochare, that I will not excesses.Anyway, as you can see, I have not succeeded. The music begins to play, I am surrounded by friends, and I’m not able to avoid it.

Feet lead me to the center of the rink and there transformed me. I get the dancer vein. So I am in the morning I do not look, do not look at me, not me, not me, no me mires leave already! With eyes red as two blocks, the fall look and the pores black pores of the remains of mascara, shadow and Rouge. But how can I I as well work? Anyway, I’m going to take in stride. Let’s start from zero shadow here and beyond shadow, makeup, makeup. Ummm this begins to be better.

First an exfoliant to reduce inflammation and stimulate the circulation. A few minutes of sachets of you eyes, to eliminate dark circles. Special eye contour cream. Goodbye to crow’s feet. Shadow beyond now a foundation without glare and shadow here. The skin is already taking a uniform tone. Out imperfections. Eyeliner for a defined look. Combed and elongated lashes. Cheekbones highlighted with a bit of blush I think that you should eat a kiwi, they say that contains more vitamin C that an orange. Perhaps help me to wake up and focus on the day with little more lucidity. Look now, now looks, looks, looks, sight can now read more articles in this series on photo: Edurne Iza text: Onintza Otamendi? Iza can download this photo freely. The only restriction is your sale or lucrative use of the same. Do not forget that whole work belongs to its author, get a good use of it.

One of the most painful things that can happen within the life of a human being is, without a doubt, divorce. If this already happened you may have broken heart and want to rediscover the love with someone else. The question is do you feel really ready for this? If you feel that your life has come to an end, think that this is not true, especially if you have children, because this means that you have someone who is waiting for you at home and for whom live. Perhaps only want to reconstruct your life or track down what remained of her either; either way it goes ahead and starts dating after your divorce. What do you want to do? You decide! Five signs to know if you’re ready to begin again after a divorce take a look at these five tasks you must carry out before seriously considering the possibility of reuniting the love after your divorce. Three ways to start dating after divorce. Dating after divorce may seem enormous possibilities; in fact, if you were married for a long time possibly or even you understand the world of dating.

Not even worry, better looking for some ways to feel good and how get ready to find love again after a divorce. Dating after divorce. Wanna have fun? When you contact someone for a loving quote thinks that you have to have fun and meet people, but if you have a broken heart and you feel sad, gives you a time to assimilate your new situation. Make sure you have done this before you start dating after your divorce. You have to decide if you’re ready to exit after the divorce, but before all it is important to consider the reactions of your children to your purpose of having a new love. If your children are heartbroken over the divorce, probably not a good time.

The task for each one of us will be making case that called the stars only seeking that we recognize that reality is not what everyone has materially, in what society has sold us as important, because really what life is to live happilyin love and harmony with the universe, of which everyone is called children and desperate alerts of scientists around the world about the possibility of a meeting with inhabitants of other planets, which seek to cause fear and vilification towards this type of topics, is a calculated management so that we continue mired in ignorance and that the only source of knowledge is that they provide us. The fear of losing the control exercised in societies, makes them take such desperate measures. Before, if you were able to say that the possibility of life on other planets was feasible, they themselves were responsible for qualify your statements as ridiculous and fanciful, removing all kinds of credibility to these statements through teasing and the exclusion of his closed scientific community. But now that each day there are more independent astronomers, more eyes in our Cosmos, as well as more demonstrations by cosmic visitors, the as absurd possibility has been changed by the very high likelihood that life exists, but with similarity to ours, so the dangers of invasion and of control by these outer civilizations are high, wanting to once again manipulate any attempt of communication with other civilizations. Each who is free to think and feel low what many call free will, my desire does not therefore believe in the existence of UFOS or extraterrestrial beings, the only thing that I am trying is that each of us is capable of turning to the sky and we can analyze our lives through this that we live day to dayof trying to understand what is the distance between us and this beauty so that we can feel what the purpose of our existence and what both we are struggling to make it harmonious and happy.

We provide our energy for change this year as significant by the events that will arrive, is therefore the perfect to prepare towards the turn of the year 2012. We can not miss the opportunity to generate love and harmony to such levels that we can transform the intentions of those who are in the darkness of hatred and indifference. Even when you hear fantastic, is possible, if it is all joined the largest force that exists, which is the power of love. Contribute our energy of change will be many more who will join and action that will generate the force that this planet needs. I hope that all this is a chispita who turn a small light in the hearts of each and that can illuminate the path of the heart that all we have. That light is activated in our struggle to know and learn more about each one of us that ignorance will give step to wisdom, that it is which will help us to unite ourselves to our reality of love and harmony with our environment and the infinite and beautiful universe before finish, I would like to deeply thank all the support received during the last years by all of youour faithful friends and companions of the heart. Thank you all again and to fight with all the love in our hearts for a world better!