“Making a claim to craft healthy activities, said the President of Liguria Region, Burlando – that due to the difficulties in crisis have access to the interruption of a circular path. Use is set in motion a positive path that is not the economy, but an agreement between institutions and private craft to give them a hand. “

“For their stressed-Burlando-companies must do their part, qualifying products and the step taken by the new quality mark is a step in this direction.”

The measure could help to enlarge the coils close to the credit and thanks to this transfer of money from the region, dealers could only partially recover and make some investment to start the appropriate circle to a positive overall improvement (at least in the region) .

• 50,000 families
• the value of loans renegotiated by this mode is equal to over 5 billion euros
• contributed 92.22% of the banking system in terms of branches in the territory which have acceded to the Convention
• 2,000,000 customers informed
• 107,000 contacts maintained
• approximately 130,000 individual operations rescheduling carried out since 2007
• over 15,000 operations carried out by porting June 2008

These data, but the press release ends with a sentence including:

This means that from the beginning of the crisis in financial markets, approximately 195,000 families have found an appropriate solution to your loan by seizing the opportunities present on the market.

In my opinion they chose the least worst. Initially, the Bersani decree few banks wanted to follow the government

line, and then with some decisions, the escalation of the crisis and the arrival of further things have changed.
Data published by the measures used were created by the people, but the level of satisfaction of the latter has been or will be analyzed by someone?
How do we know if a solution solves a problem, if you do not ask who is facing?

If you fall into the categories established, families will be able to avoid paying the loan for a year, and the charges will be borne by the region.
Of course the debt should be spread over several years.
It is a further incentive to restart the economy of Tuscany that is much bogged by the problem of credit.
Now the only sector to pull the economy is tourism, but not quite enough to cover the needs of the beautiful region.
In 2009 there could be a slight recovery, thanks to these aids.

• The income must be proven by the statement of income
• the real value of the purchase by
• guarantees over the mortgage (such as external guarantors)

If these parameters have the opinion of the feasibility of the loan will be good and access to the second level where the documents are required.
In this phase the parameters are checked for the one who wants the loan and the many among the most important controls is the ability to cover the installment with its own income.
Executing the relationship between the two values (installment / mortgage * 100), will get a percentage that indicates how much affect the monthly payment of the mortgage on our earnings.
The maximum value that the bank accepts is around 30% -35%.
If you exceed this value may be the difficulties of various kinds: the outcome of bad loan, the request for additional collateral or a reduction of the loan.

Banca Etica is the first institution of ethical finance in our country. Conceived by the organizations of the Third Sector, voluntary and international cooperation. The first Italian experience in this area have been cooperative MAG (Mutue for the self) and their goal was (and still is) two-fold: to create a system of collection and use of savings among members favoring those who were in difficult situations and propose projects with social purpose. Following legislative changes in the financial sector in the 90s, the MAG has been forced to restructure. Required by the new legislation and pushed by the need to give the third sector of a financial entity for the MAG contacted institutions in the world of social cooperation, voluntary and social enterprises. The proposal was very successful and resulted in the association in December 1994 Towards the Ethical Bank, which participated in the movement of the MAG and several organizations representing the entire national landscape associations.

The site I found an interesting project named “project power”. Provides a range of funding dedicated to the field on the energy savings for each type of intervention and the proportion of money we need, you can download a pdf file that lists all the parameters used by them (of course it is better deal for the business person and very carefully).
An example for the ignition of a financing order with the installation of photovoltaic panels:

EXAMPLE OF CALCULATION OF APR / ISC – Indicator summary cost.
FIXED RATE
In the example, the nominal rate is obtained by the IRS in 15 years equal to 3.91% with currency 01/01/2009, plus a maximum spread of 0.85%.
At a demonstration of depreciation for:
- A capital of 10,000 Euros
- Refundable in 15 years in monthly installments
- The nominal annual rate of 4.76%
- With costs of investigation practice for 155 euro
- 0.25% tax amounting to euro 25
The APR / ISC will be equal to 5154%
VARIABLE RATE
In the example, the nominal rate is obtained by applying the Euribor 3 months equal to 3:43% with currency 01/01/2009, plus a maximum spread of
0.85%. At a demonstration of depreciation for:
- A capital of 10,000 Euros
- Refundable in 15 years in monthly installments
- The nominal annual rate of 4.28%
- With costs of investigation practice for 155 euro
- 0.25% tax amounting to euro 25
The APR / ISC will be equal to 4.65%

But I will advise you not to dwell on a single bank, but to seek more institutions of alternative proposals.
Surely you have a broad view of all the offers of the market and you can choose with more awareness.

This opens the credit in the current account moving into, as collateral are agricultural goods in possession and has the advantage that did not advance the calculation of interest on the total amount of credit for 12 months maximum duration of funding.

The open credit can be used in a manner very similar to a normal c / c bancario limited only to the extent of the money granted.

In addition to cash payments and May also issue checks, but not written in the back: “this check is issued in respect of initiation of c / c agrarian, pursuant to art. 11 ln403/77 and the Rules of Implementation “.
In addition to these facilities the state intervenes with subsidies on interest.

As always I advise you to ask several banks for various loan products that you need, but then you know that there is also a credit on account agrarian Create good use.

Now some of our readers (not only in that) I have pointed out that the measure was a useless, since the decrease in the beat Euribor.
And indeed they were right.

Euribor has dropped significantly (as expected) and a few can take advantage of the aid proposed by the government (which I remember briefly):

“The amount of installments to be paid by the borrower, the mortgage rate is not fixed to be paid during 2009 shall be calculated by reference to the greater of 4% with no spread, and other expenses, or other type of increase and the rate on the date of contract of signing the contract “

However the measure does not end for this “session” and could be the case in other situations.
But I expected to adapt the percentage (down) on this measure, which has not existed.
On the other hand was not correct in respect of borrowers with fixed rate, variable rates lead to the same level of the former.

Many are asking a question:
You really help facilitate those who wanted to risk opening a first variable rate mortgage?
There is no risk of stimulating more bank customers getting into the fire to collect the coins?
I think the decision has been made taking into account just this side of the problem, the speed of “trying” to help the borrowers most at risk.