Month: May 2025

Takes

Mortgage credit is of great importance to modern economies, because through this is achieved to provide greater dynamism at the time of acquiring a loan. Mortgage credit can be understood from various points of view, they revolve around the same idea. In this short article will try to explain the main idea and will mention with a short description some of the more common points today. Idea principal on the mortgage through mortgage credit a lender which can be a natural person, Bank, box family compensation, cooperative, investment funds or any other financial institution, gives a credit or loan from a capital to a beneficiary, which guarantees payment of the credit with the granting of a right in rem called mortgage. The mortgage is a real right that falls on real property, for example, a House, commercial property etc.

That allows that the real estate is mortgaged, to be seized and topped with the intervention of a judge, in the event that the debtor does not pay its obligation. In a nutshell, by the mortgage seeks to ensure payment of the debt, either by the debtor pay voluntarily, or that not, a judge can finish good for paying the creditor or lender. Main features of mortgage credit is of easy access, because the lender can easily rely on that payment would be carried out. Usually the mortgage credit is granted by banks and financial institutions for the acquisition of housing. Mortgage credit enjoys a very low interest rate.

Mortgage credit is usually long-term. Mortgage lending for house purchase mortgages for house purchases can be of varied forms: 1. is acquired for the construction of housing credit and makes the mortgage on real property other than housing that will be has been build. In this form of mortgage credit, gives greater security to the lender, because in reality the guarantee of payment exists at the time of the conclusion of the contract, this is why most easily accessible. 2 Takes credit for the acquisition of housing, and becomes the mortgage on the property that will be built. This type of mortgage, the lending institution makes a rigorous control of monies that are delivered, because the mortgage can only be constituted until after completing the construction of housing. On this assumption of mortgage credit, usually the financial entity which makes the granting of credit, does not deliver the money immediately but that it regulates that the debtor can go by providing necessary quantities according to the progress of the construction. Given the mechanism of this type of mortgage credit, institutions have and assign qualified staff that is responsible for the surveillance and control of the constructions of persons who acquired a loan. In order to ensure the continuous progress.

The Energy – Saving Building

The energy is the building of the future! Clever unstintingly save and think of the future! At the present time where energy prices continue to rise in height, energy-efficient homes are becoming increasingly popular. Because who will build an energy, can save a lot of money and gets a high quality of life that is environmentally friendly. Thus, an energy is trend-setting. Basically, an energy compared with conventionally built houses consumes significantly less energy when it comes to heating and hot water. The advantage of the Energiesparhauses is also in State grants, allowing builders.

The significantly reduced energy consumption has been standardized since 2002 by the EnEV (energy). The “EnEV” indicates only the default which is for new buildings. Energy-efficient homes can be even more economical without further than is prescribed in the “EnEV”. The low-energy houses, passive houses and the 3-litre houses the zero-energy buildings are as energy-efficient homes. The regulations request certain values that designate the energy consumption of heating and hot water, respected as well, such as the technical requirements for insulation and ventilation, the window and the cooling. This means that maximum seven liters of heating oil or seven cubic meters of Earth gas per square metre and per year of primary energy may be used. The upper limit is 70 kilowatt-hours.

The maximum consumption of primary energy is the 3-liter-House only three litres heating oil. A zero-energy House consumes far less energy than a passive house, which uses 90% less energy than a conventional House. Zero energy buildings are slightly more expensive than the passive houses. In the energy performance certificate the efficiency shall be pursuant to the “EnEV” transparent heating and hot water in buildings. Houses are classified in different classifications this regulation after holding their energy consumption. Green high energy consumption means little energy consumption and red. In times of increasing energy prices, the energy is future-oriented for the budget, for the environment and the people. Marc Hammermeister

Online Auctions

With the right software, every Internet user can theoretically open a private auction house. From the technical requirements, it is not so difficult to publish a private auction house on the Internet. With the right software it is not difficult. But a major challenge is to insist the goal against strong competition as the auction provider. Internet auctions experience a true flowering time for several years and have a still-growing market. The concept was in fact long been successful in the so called web2. 0 transfer. It was very well received by the online community. More info: Maja Brucic.

Many merchants have made the auction to their preferred distribution method. And the Internet lends itself to do so, it calls on the privacy of users who can perform the entire transaction in this way, without having to rise only. In times of online banking, which is accessible to the general public, many traders of different goods and services think about it after their own Auction House to publish on the Internet. Buyers are bargain hunters like to and enjoy the charm, brings the auction mode. But anyone who thinks he can tinker times just as an auction house with his rudimentary knowledge of HTML”, which will certainly experience his blue wonder. It’s not quite as simple as auction software is highly complex and must satisfy also high safety standards. Finally, the auctions should also seriously expire. There is hardly anything that repels a buyer more than an opaque or unreliable organized sale.

Therefore, dealers or others who play with the idea of opening an own auction house, are well advised to leave the development of the software of real professionals. The market has been aware of this need and there are excellent providers of such software packages that you can buy and customize its own Internet presence. Filed under: Tishman Speyer. Also you can buy a frequently with technical support. It is therefore advisable, because of course when one such Internet-based auction house a legal contract is concluded, which brings many duties with. Auctions are regulated in Germany. Therefore, virtual auction houses should meet the high demands. The auction theory also deals with the mechanisms that access this, as well as the circumstances in the field of microeconomics. Andreas Mettler