Not bad picture of the happy experience in advertising Lehman Brothers and other securities 47 toxic substances, recommended as reliable, while the opposite was judged risky securities such as the status of BTP, the Italian Banking Association (ABI), which will be called to respond court casual advice on buying, real fraudulent deception, continued to forage a site, such as Patti Chiari, who had already closed the office, only if there a Bank of Italy and equally respectful of human rights, rather that the interests of bankers.

The financial education campaign sponsored by the Consortium Patti Chiari and nine consumer groups to bring the Italians to issues of economics and finance, through a dissemination of financial and web-based on spatial proximity: what financial education can expect citizens, savers and customers, from banks that do not comply with laws and ordinances, as the avoidance of blame Bersani Decree on subrogation, portability and symmetry of interest rates, which caused untold damage to families?
What ‘Open Doors to PattiChiari’ Abi speaking, when the associate banks continue to gain on variable rate mortgages rather than align the rates to the ECB’s operations with rates charged on loans to an average of 0.54% higher than the average of the rates charged by European banks and a + 1.10%, which lenders require Italians on personal loans and consumer credit, or when the banks continue to impose the “lace” the Commission found maximum, equal to 4 , 47% on an annual basis, which weigh the cost of credit, increased 45% over the year?
The Abi, instead of trying to shame Patti Chiari, an expensive and dispenser of invests more money confident that consumers and savers can believe the balderdash arrogant banks, who continue to commit fraud, as evidenced by the Lehman case and Madoff scandal last for 50 billion dollars, families and destroy the savings sweaty.

I fully reported the press release because I think there are words to be omitted. Adusbef hits a “hard face”, with dry but clear words, the novelty introduced by Patti Chiari and the entire banking system, most often guilty of having “avoided” the rules with harsh consequences to the detriment of the customer.
From the release it is clear one thing: “do not come to terms with the enemy.”
Adusbef is very angry with the ABI and does not believe that the pacts could help clear their clients.
Objectively the site contains many details, the reader will then have to implement those concepts than useless or you do not trust.
Patti is clearly only a project, based mainly (but not only) on knowledge and communication to the reader.
It’s always good to emphasize going beyond a first reading, but better to investigate the knowledge gained. Read only one opinion is always off-road, falling into error.
Internet in this case there is help with several sites and the possibility of bridging or even respond to our concerns.
Just make it a good use.

• 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?

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.