Month: July 2013

Curtains For Home Improvements

The room is a very important environment for our home, because that is where we find friends and family. Thus, it must be beautiful and comfortable as it is a special place in the house. It is essential that the decorative elements of the room (curtains, pillows, carpet, furniture) are in harmony with each other and in line with his personality. Without exception, Belle Cortina (our shop) is responsible for transmitting their tastes and characteristics for every detail of our work. The curtains for living room (and the entire house also) may be bold or not.

The Bold can be used in rooms of ethyl classic and contemporary. Ainda There are several options and accessories that can be used in the curtains as sticks, rings, eyelets, ruffles, tips and grips worked. These accessories are made of various materials such as wood, plastic, metal. It’s your choice! The most important thing is the concertina chosen according to your liking and be in compliance with the environment. Above all, be made with quality fabrics and skilled professionals. The finish well done and correct installation make much difference.

In this paper some examples of the curtains made by us, to see how to make your living more attractive. Our shop, Bella Cortina is located in Ciudad del Este, Paraguay, and work with decoration. See Examples of curtains for rooms already installed in the homes of our customers.

Mortgage

Mortgage life insurance are nothing more than insurance that has the intention of paying your mortgage in the event of his death, while the mortgage has not been paid in its entirety. The original model of mortgage life insurance followed the mortgage balance amount is thus as your mortgage obligation decreased, as well as the amount of the insurance. Nowadays, it usually has more sense to obtain life insurance mortgage equal to the amount of the original mortgage, but instead of a decreasing amount of insurance, only has to get level insurance more low cost and deadline. This topic has recently become more common the return of mortgage life insurance policies in the long term. The reason why this type of insurance is used is currently the traditional mortgage from cheap mortgage life insurance rates are not as competitive as the most certain term life insurance types. With the return of the premium remains policy, you get all the payments made by yourself. The most affordable policy is the premium level of a certain term life benefits. This type of insurance can be purchased for a period of 30 years, 25 years, 20 years, etc will guarantee the amount of the policy not to reduce the premium, which can be guaranteed during the entire period of time.

the traditional protection of these easy to get mortgage life insurance is sold by banks and insurance agents, but may make more sense to allow you as direct interested to access to: 1. A policy of insurance with guaranteed to have rates lower than a mortgage life insurance policy. 2 One who pays your mortgage in the event of his death. The insurance value does not decrease. Finally it is important to note that the amount of coverage of the mortgage decreases as the principal balance decreases. In the event that the borrower dies while the policy is in force, the debt is satisfied automatically by the insured product.

Mortgage Credits

One of the best ways for the acquisition of a House is to apply for a mortgage loan, but before that you have to wait to be affective granting of mortgage loans, i.e. mortgage credit is approved and the money is delivered to proceed with the acquisition of housing by passing the request to the Bank. To achieve the granting of mortgage loans, it is necessary to comply with certain requirements, which found people’s ability to cope with workloads that are generated from this concession, which suggests a large amount of money that can be paid over a long time. Among the many requirements which are required for the granting of mortgage loans, it is mainly found: one of the main requirements is to possess an income compatible with the dividend that is payable; which can be done through various means which will depend on the activity of the person seeking the granting of mortgage loans. If it is used it can present a certificate age and income, the latest settlement of salary or a certificate of quotes; If it is an independent trader must submit the annual income tax statement of the latest years, the last tax balances, recent payments of VAT; in case of rentier you must present a current lease agreement, recent receipts from leases that generate income, certified domain and taxes and prohibitions presented in the property that generates income, income tax return, and the contributions you make; If the applicant is a pensioner last receipts of payment of pensions and the resolution that I give you the pension to the previous requirement for the granting of mortgage loans is added the need for the applicant to possess a level of debt compatible with the credit requested.

The mortgage credit applicant must have a good history of commercial behavior; sometimes and in certain entities requires the presence of a spotless history of the applicant credit and even their family group. You must have an insurance of repayment, which in most cases is performed by the same bank which seeks to obtain mortgage loans have an appraisal or valuation of property which are thought to acquire through mortgage credit, which is requested by the financial institution to professionals in the subject. That property has been subjected to studies in reason for titles that support it. As you can understand the granting of mortgage loans this subject in great measure to economic criteria and appropriations, i.e. that the applicant behaviour it can effectively fulfil the depreciation quotas and you can make full payment of the debt within the agreed deadlines, avoiding the banking entity that performs mortgage lending suffered any losses.