Some 9,000 families who are tenants in board houses will be able to buy with installments between 28 and 45 euros / month

Some 9,000 Andalusian families who live on rent in homes owned by the Junta de Andalucía can buy such homes with prices ranging between 30,155 and 17,648 euros, which will pay tenants who reside in the mortgage payments ranging between 45 euros per month, for the most expensive apartments; and 28 euros, for the cheapest.

The Minister of Housing and Land Planning, Juan Espadas, signed an agreement with the president of Unicaja, Braulio Medel, to make possible this program, which will be developed during 2010 and 2011, by which Housing, through the Public Company of the Suelo de Andalucía (EPSA), puts up for sale flats for rent belonging to the public park of housing of the Board and that will be directed to the families that live in today.

Espadas explained that this possibility will be offered to families with a series of requirements, such as having incomes that are not higher than 2.5 times the Iprem, that is, income not exceeding 18,000 euros, and who are living at least five years in that same housing as tenants, up to a maximum of 20 or 25 years, with an average of 15 years living in said dwellings on a rental basis.

Also, the counselor, who foresees that this project will achieve its objectives long before the end of 2011 “and said that the measure will be aimed at homes with an area of around 70 square meters, clarified that the measure will be addressed to owners” they have proven in these years their null risk of default by paying their installments rigorously and that they have perfectly legitimated their titles as lessees “.

He specified that the selection of these tenants has been made from an “exhaustive” study in which has been taken into account, among other aspects, which have already paid more than 3,000 euros in rental income and have shown ” fidelity “in the payment of these monthly payments.

Espadas explained that EPSA manages a public park of homes for rent of 49,000 homes and for years has been using this formula to facilitate access to the property of these tenants, so that in recent years 8,600 tenants became owners, although this new program will be “much more powerful and will lead us to double the amount obtained in these years, it will be the largest awarding operation of this type of housing until now”.

The counselor explained that with this project will be proposed to the families chosen the possibility of buying homes between 17,000 euros and 30,000 euros, so that they can choose a number of advantages, they can have a support at the entrance, under the Plan State Housing and the Concerted Plan for Housing and Land 2008-2012, which will be based on non-recoverable aid of 8,000 euros on average, although it could be increased to 12,000 euros if it meets a series of requirements.

In addition, you will be offered the possibility of computing part of the amounts that have been leased as part of the payment for the acquisition of that home, with a minimum of 3,000 euros that would be discounted from the price for tenants who live for five years, but that they will be able to rise up to 8,000 euros of amortized amount if they have been living in that house for more years on a rental basis.

He added that this will be added mortgage loan to which these families may have access, on which Espadas stressed that this agreement with Unicaja “facilitate access to property in favorable economic conditions,” specifically at an interest rate of 1.25 and loans up to 30 years, so that the mortgage rate would range from 28 euros for the cheapest homes and 45 euros per month, so that “it is achieved that these families pay the same amount that today they pay in rent but as mortgage payment of a house they will own. ” “It is about becoming owners of tenants with the same monthly effort in terms of payment of the fee,” the counselor said.

For families who do not wish to opt for a mortgage, since the amount they have to pay to acquire their apartment is minimal, they can request payday loans via Tn38.

In addition to these facilities, the claimants of these loans will be exempt from paying any type of commission derived from their formalization.

With this operation, EPSA could obtain around 100 million euros of revenue, which would be used for rehabilitation or maintenance of the public park.

Espadas, who indicated that the selected families will receive a letter from EPSA offering them the possibility of taking advantage of this program, indicated that of those 9,000 homes, most are located in Seville, with 2,492 homes in slums of Las Huertas, in Seville, capital, o La Paz in La Rinconada; followed by Cádiz, with 1,564 homes, located in neighborhoods such as La Paz, in the capital, or Constitución, in Jerez de la Frontera.

Another 1,477 homes will be located in Huelva, with slums such as La Orden; 1,162 homes in Córdoba, located in Las Moreras; 715 homes in Malaga, with slums like Huelin; 568 homes in Granada, with neighborhoods such as Huerta Carrasco, in Motril; 542 homes in Jaén, such as the Puerta de Andújar neighborhood; and 480 homes in Almería, located in neighborhoods such as Torrecárdenas.

Also, the counselor said that of the total housing, 1,980 will be the highest price, about 30,155 euros -450 euros per square meter, which represent newly built homes between five and ten years, in good condition and located in large or medium cities; another 55.80 will be the intermediate price, of 24,867 euros, which translates into 370 euros per square meter; and 1,440 homes would be the cheapest price at 17,648 euros, which puts the value of the square meter at 262 euros.

In this category, houses older than twenty years old are located in small municipalities or in degraded neighborhoods of large capitals.

Guaranteed by EPSA and possibility of reversal

The counselor said that these families must submit their data and Income declaration to the Unicaja branches, since “the guarantee or guarantee of the operation for the entity to grant the mortgage loan will be EPSA”, so that Unicaja “will grant in all cases the loan, since it has made a selection of families with guarantees in the payment” and added that “in any case, if there was any difficulty in the payment of mortgage payment, the guarantee is EPSA itself”.

He explained that in this case of default, the public company would stay with the house again and the person who lived there would be a tenant and the not owner, but would not stop living in it; it would go back to the previous situation. ”

For his part, the president of Unicaja, Braulio Medel, showed his satisfaction for this agreement, which is part of a “quite close” cooperation with the Ministry and trusted in the success of this initiative, for which he has planned 156 million euros He added that in 2000 he signed an agreement similar to that “and that worked quite well, since more than 4,000 homes were sold”.

He added that this action “recovers the origin of the savings banks, which was to serve groups that were not of interest to all financial institutions”, after which he stressed that this type of initiative “is a very viable economic measure and the savings and possession of a home are encouraged for people who have it more difficult “.

After noting that the failure to access mortgage financing “explains 80 percent of cases of inability to access a home,” Medel said that with this type of initiative “an economic need and a social need is met”.

Payday Loan Harassment: What Goes On When You Default On Your Loan

There are many advantages Payday Loans can offer compare to several forms of cash, such as bank cards

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You may get a consolidate payday loan now in a traditional way – a no verification consolidate payday loans is something you should consider, particularly if you need money right now- Payday Consolidation Benefits. You do not deal with paperwork, don’t have to hassle with people poking and prodding into your life, and obtain the cash you need when you need it.

There are reliable debt consolidation companies to solve your trouble

All you need to do is go through the accreditations and affiliations of the company. A good debt consolidation company usually follows the FTC rules and regulations. They also conform to your debt relief laws.

When you get in touch with a debt consolidation company, the particular counselor will evaluate your own monthly income, expenditures, bills, etc. The counselor may contact your creditors and payday loan lenders to bring down the higher interest rates.

The Small Company Administration, or SBA, provides responded to the need of the small company owner by offering many SBA loan programs. 12, Small Compton, Tiverton, Middletown plus Newport). Whenever a payday loan provider contacts you for an additional reason, then they have entered the line. It may be a good idea to seek advice from your bank on prices and terms before buying that new car and when you belong to a credit score union, financing may be actually cheaper. The rate for Paperless Payday Loan No Teletrack changes from lender to lender.

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The Ivory Coast liberalized its coffee counterpart cacao.En sector, Abidjan will receive a loan of 750 million francs from the World Bank.

The Ivorian coffee and cocoa sector will be liberalized in the fall, beginning of the new harvest campaign precious cherries and other beans. A mini-revolution in Abidjan. The World Bank has indeed granted late July in the Ivory Coast, in exchange, a credit to the agricultural sector of $ 150 million (750 million) which will be endorsed on the board of administration of the institution Bretton Woods on 26 September. This loan enabled by contagion with Germany and France, who will respectively give 20 and 60 million (100 and 300 million) to Ivory Coast.

For years, international donors demanding a little more transparency in the functioning of the sector managed by the Stabilization Fund, the famous “Caistab” state within the Ivorian state. The days of its president, the dreaded Rene Amani, the institution’s head are numbered, do we murmur today in Abidjan He should jump after the presidential election scheduled in two months.

The reform of the sector, which provides 39% of Ivorian exports, was expected. But the Ivorians were skeptical. Until 22 August, when the Council of Ministers announced its kickoff. Yesterday, a statement from the presidency published a full page of Fraternite-Matin, the government daily, has specified terms. The distribution of bags, the organization of transport are made in private, purchase centers Caistab being removed. Caistab will no longer early in the season an indicative price of buying coffee and cocoa farmers. So far, the price set by the fund was guaranteed, ensuring security to the producer. “The powers of the body are considerably reduced, but it does not completely disappear. Rather, it is transformed into recording chamber of export contracts, “says a major exporter. The liberalization of the sector will end the corruption and favoritism. “These are small exporters who enjoyed the political protection that will disappear. They will regroup or lean to big business’, provides one of his colleagues in Abidjan. The selection is also economic: a decree fixed at 200 million CFA francs (CHF 2 million) minimum share capital required for the approval of an exporting company twice previously.

Caistab employs thousands of officials ubiquitous throughout the industry. The Ivorian government will resettle in large numbers. “Their experience in the sector would enable many to get hired by private actors, once restored the free market,” predicts a specialist.

The World Bank has pushed in the 80s many African countries to liberalize their export sectors. Denationalise limit the plethora of civil servants, the liberal creed is necessarily imposed on the country in order to receive the financial windfall. A path adopted by the Ghana largest cocoa producer. The Accra Cocoa board leaves to private carriers. But other countries, like Cameroon, have suffered liberalization led hussar.

The largest exporter was granted a negotiated solution with the local leaders. The richest countries of the franc zone have been relatively benefited from soaring prices of raw materials in 1994. The question is what will be the sustainability of the quality of products: controls will no longer be provided by officials checkout. Only the purchaser shall be free to take or leave. Rest especially whether producers will not suffer more directly the impact of price fluctuations. The funding of the institution is there to help their adaptation to competition. The big exporters, in any case, are rubbing their hands in anticipation of a game strictly regulated by supply and demand. And minimize the consequences of the reform. “Yesterday Caistab certainly set a guaranteed purchase price. But you could already buy cheaper in the bush. If we were caught, we could be imprisoned. Tomorrow, we no longer will risk nothing, “said an exporter.