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Mortgages How to calculate the cost of a mortgage

The purchase of a home includes numerous factors and be aware as a whole is very often a great undertaking. So here are some links useful for updates on the amount of rates charged on loans, how to calculate the rate of a loan and more:

1. How to calculate the rate, amount, rate a mortgage:

• rata calculation TeleMutuo entering the rate
• rata calculation Prestiamoci.it insert amount (up to 36 months life expectancy)
• rata calculation Mutuionline inserting amount, time and other data
• Calculation knowing the loan amount ' sustainable amount per month based on your income
• calculation rate mortgage
• actual calculation of the rate by including all costs, on a taxable amount of € 100,000.00:

investigation about 400 €

expertise ; about 250 €

collection costs about 1.50 € rata to the duration of 15 years amounts to approximately € 270

notary approximately € 4,800.00 ( estimated amount all costs act)

mediation agency about 3% + 20% VAT € 3000.00 + € 600.00 = € 3,600.00

Fire Insurance : about 100 € a year see Insurance Review (Evaluation
; product.) ; details on Home Insurance
taxes approximately € 4,836.00 see taxes
removal costs about 2500.00 €


the total reaches the sum of € 18,156.00. Adding only half 'of this amount we obtain an effective rate of 4.16% V. calculation

1. Update rates
2. Comparison mortgage rate variable or mixed
3. Compare mortgages fixed rate
4. Forum FiscoeTasse
5. Buying Guide a house
6. Guide to the obligations of ' Real Estate
7. Guide to registration Role of Mediators , Chamber of Commerce of competence see CamCom.gov , Fiaip , Fimaa , Anam (for a review of legality 'Agent dives)
8. Help buying a house, with everything' you need to know
9. Guide real estate
10. Forum Condominioweb.com
11. Taxes on the house

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Read Conciliator-Mediator _ The court held

You are 'approaching date of 11 March 2011, the day shall come' in force in full with the Civil Law Mediation and Conciliation, which began with the Legislative Decree 28 of March 4, 2010.
With this post I wanted to go deeper into the subject since 'involves, in one way or another, all of us directly.

1. Statement complete, see D . Decree 28 of March 4, 2010 ;
2. Mediation should also tax benefits, continues .....
3. the process, arbitration and legislation commented, civil mediation, the proceedings, jurisdiction, the proposal, the term more .... from page 8
4. The profiles of the critical relationship between mediation and trial, in an interesting intervention Fabiani, continues .....
5. Individual contracts in the new legal system, more ...
6. Failure to appear before the mediator, more ...
7. News' and interpretative doubts, more ....
8. negotiating resolution of disputes and judicial protection of rights, more ...
9. In summary, all commented on the mediation rules, more ...

NB
By submitting to the maxi-amendment, which has already 'got the ok of the Senate, the entry into force the Law on Mediation and Conciliation will be 'extended by 12 months only to disputes regarding the causes:

• Condominium
• Directions

See Lawyers and accountants compared

Here also the whole procedure and the figures with the requirements to start a career as a Ombudsman

Related

• Ombudsman-conciliator The court held

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Riflessioni___Il Part II Part III

Even in Italy and 'can request the esdebitamento , news' introduced by Legislative Decree of January 9, 2006 n.5 and amended with Legislative Decree No 12 September 2007 169.
may require esdebitamento:

• individual entrepreneurs
• partners with unlimited liability for companies 'people

The purpose of the legislature by the need arises' to be able to reintegrate into the world of work and social person no longer 'able to meet its debts personal indebtedness. It 's definitely time to give the benefits to the action failed because', with this procedure, the creditors, bankruptcy may be barred 'to take legal action against the bankrupt.

may require the esdebitamento

• bankrupts
• the heirs of the failed

For more info please visit debt. it, well trained in this area. But
the real issue here runs on the tracks of a society 'based on a free-market economic system, where, who pulls the train are the power consumption.
inducing stimuli on consumption are numerous,
try to make a list:

• advertising 'written, visual, audio
• expectations high life
• personal ambitions
• social acceptance
• personal satisfaction
• adult psychological distress (family, work)
• adolescent psychological distress (group membership, identification with the adult family stress , school acceptance)

these the most 'obvious. Let's analyze:

Advertising 'written, visual, audio
is one of those more' widespread, present everywhere, in streets, in newspapers, on TV, internet, radio, refined by studies in marketing so 'meticulous that they can not escape it even at a subconscious level. The advertisement 'in fact, seeks to achieve its sales targets through the study of human psychology and its emotionalism'.

high life expectancy
generations, say, to understand, with the technological evolution since they spoil 'the table early life predestined to each of their looks more and more 'rich.
Suppose an example.
the first postwar generation born with a pen and paper, symbols of a civilization 'in search of one's own identity' social, affirming school seen as overriding ambition to achieve more 'high personal expectations, as a 'white collar jobs or working in order to be able to raise about reality' humble and still largely rural life;
the second was born with the iPad, iPhone, Internet, the symbol par excellence technological developments achieved by the new corporate structure, where the ambition and 'self-employment, have much free time they can devote themselves for university study and master to achieve high personal goals and their availability 'financial well not be ruled out, good social success.

The first generation entrusts its development acquisition of knowledge in its clean: I open a book of philosophy, study, learn, and I graduate with the simple use of pen and paper. The knowledge so 'experience allows the disclosure of my knowledge within the company' in mode 'to me more' suitable (professor, professional, scholar). The social customs and traditions do not require more than sharing my professional sphere.

The second generation entrusted its development to the acquisition of knowledge no more 'pure state but rather' by requiring a technical knowledge base (internet, software, computer use) to which shall be deemed granted, can access all (Liceo Scientifico V. Lussana of Bg). Not having this knowledge base technology creates unfortunately, social discrimination resulting in different expectations of life. Moreover, technological change has caused a revolution in the uses and social customs, such as the spread and eloquent statement of social networks, placing the individual no more 'torn between his professional sphere, and his private life, the concepts of weighting ambition and social success of the individual himself as devoid of that confidence which acted as a shield to external invasions and practically devoured by sharing social network. The private sphere could be the role of disposable music.



personal ambition
the or economic development Social and opens the door to opportunity 'most powerful' individual, almost tailor-made, where the capacity 'of each one can succeed in niche markets with economic issues and sometimes interesting. Roads are increasingly accessible 'for many a growing number of individuals. Awareness of the objective at hand thus stimulate 'our personal ambitions. They are thus to increase the financial risks undertaken by the people.



Social acceptance
part of our human DNA to be accepted by our peers. Among the elements more effective at achieving this goal and there 'economic well-being achieved.
(See the review of the film "The Social Network )
personal satisfaction
the ball and 'large, but inside there are certainly the purchase of a well so loved and desired.



Psychological Stress adults (family, work)
those of us suffering the shock of shopping? We seek temporary shelter emotional purchase of an object or many objects to find ourselves at the starting point with perhaps a few mea culpas for having succumbed to unnecessary spending, or even escape from everyday stress allowing himself a nice trip.

S tress psychological adolescents (group membership, identification with the adult abuse education)
how many teenagers want the latest model in the iPhone to show to their peers to rise within the group, the latest fashion shoes to assert own personality 'social (they are for all to see), the latest model of slim and lightweight laptop to take to school to feel above others?
(See Articles. Bullying on the phenomenon of youth )




We are bombarded with consumerist input, ably led to the fragility of our research and tickle 'human to which each of us reacts differently.


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