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Consumer credit consumer credit. No more traps

La riforma del credito al consumo delinea uno scenario sempre più orientato alla trasparenza per chi deve richiedere un finanziamento

Il provvedimento emanato lo scorso 9 Febbraio da Banca D’Italia definisce l’ultimo passaggio della riforma del credito al consumo che era stata avviata con la direttiva europea 2008/48/CE e recepita con il decreto legislativo 141/2010, applicato per gradi da settembre scorso .

Le novità introdotte in materia di finanziamenti fanno capo al decreto del ministero dell’Economia del 3 di febbraio con il quale si assegnavano a Banca d’Italia alcune deleghe di definizione operativa to reform the sector. The provisions introduced above refer to the obligations of the transparency to the consumer, with emphasis on the relationship between agent and client that takes on a more and more, so much so that the center of the system has gradually shifted from 'credit consumption ' (with focus on the good) to' consumer credit '.

objective of the reform: increase the degree of transparency and comparability of offers for those who wish to apply for a loan or financing . Some of the new features can be read below.

pre-contractual phase

When precotrattuale is provided a standard called "Standard European Consumer Credit" that the company providing the financing to be completed to inform the customer in full and in accordance with the law on funding, before the itself is bound by an irrevocable contract. The customer has the right to get free, upon request, a copy of the contract liable for the conclusion.

Another important element for the comparability of tenders is APR, the rate that fully expresses the total cost of financing, because in addition to interest includes all cost items a carico del consumatore (compensi degli intermediari, commissioni, imposte etc). Banca D’Italia nel provvedimento dedica molto spazio al Taeg , oltre ad un allegato dove è possibile trovare la formula matematica utilizzata per calcolarlo. Nel foglio informativo il Taeg deve essere indicato insieme all’importo totale dovuto dal consumatore ed è necessario inserire un esempio che esemplifichi le ipotesi di calcolo. La pubblicità stessa si fa più chiara, il Taeg deve essere esposto in forma ben evidente, concisa e graficamente evidenziata insieme a durata, rata, debito totale da rimborsare, importo del credito, tassi di interesse.

Diritto di recesso

A step forward has been made in this direction. Who can turn back now a loan within 14 days after the conclusion of the contract at no cost nor committee, noted that before this right was exercisable within 10 days but only for contracts at a distance or away from business premises. Those who do so also for withdrawing the bill to cover the claim, if activated, that it is also an ancillary service must be clearly explained to the consumer before the contract is signed. The right of withdrawal must be printed clearly in the policy.

lapse

Again there was una evoluzione rispetto alle norme precedenti. Il consumatore ha ora la possibilità di rimborsare anticipatamente il debito residuo andando a decurtare interessi e costi dal contratto in essere, senza più pagare un indennizzo al finanziatore nel caso in cui l’importo rimborsato anticipatamente corrisponda all’intero debito residuo e sia uguale o minore di 10mila euro. In caso di estinzione anticipata la penale comunque non potrà essere più alta dell’1% dell’importo rimborsato se alla conclusione del contratto manca più di un anno e dello 0,5% se manca meno di un anno.

Responsabilità e tutele

Nel provvedimento si dettano indicazioni precise per garantire responsible behavior in all the practices of grant funding. It was also established that the consumer should receive the statement of notice of trespass by the third business day following the end of the month relevance. Last

detail not mentioned is that if you purchase a product defective rate is not delivered or the consumer has the right to terminate the contract after formal notice of the seller, without having to pay the installments of obtaining financing, but rather financial reimbursement from those already paid.

To read the full measure, you can visit the following link: http://www.bancaditalia.it/vigilanza/banche/normativa/disposizioni/provv ...

Linda Iulianella, Soldionline.it

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47. Cordova

Today we take our cue from the € 2 commemorative coin issued by Spain last year and take a ride in Andalusia, Cordoba, UNESCO World Heritage city. Ready? Via ... Of course we start from the inside of the Cathedral of Santa Maria (or Great Mosque) depicted on a coin:

This is the nave

Still columns:

Tower dell'Alminar ( the minaret - mosque, the church was 785 to 1236, when it was reconquered by the Christians):

This is instead the historical center:

A beautiful night view of the Guadalquivir river which crosses the city:

And finally a look at the Roman bridge in the background with the ubiquitous Cathedral:

Photography: Money © Repp / city and cathedral © Wikipedia

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inflation. Roma won the race in the long run

A photograph long-term trend. The Office has carried out studies of Gabetti research that compares the average prices of homes in the first ten Italian cities, from 1999 to 2010. The result speaks for itself: the price per square foot of homes have seen price increases that move between 30 and 80%.

particularly in Rome where in 1999 the average cost per square foot to buy a house, stood at € 2462 and in 2010 traveled about 4262, an increase of 73%. Or in Milan, where in 1999 the average price was 2455 and today is € 3977 (+ 62%). "How macro trends - Lodi explains Guido, director of studies - Rome and Milan have certainly had a good performance as the per capita income per capita is now higher than it was ten years ago and there are more attractive to investors. In addition, both cities have benefited from significant residential projects, including medium and high level. Rome also saw a growth of GDP higher than all other Italian cities and thus the market was more dynamic. "

Other centers that have marked significant increases were Naples and Palermo. In the capital of Campania has increased from € 1532 per square meter in 1999 to 2755 euro del 2010: un rincaro dell'80%, il più alto segnato in Italia. A Palermo invece il differenziale di costo è stato del 74%: undici anni fa il prezzo al metro quadro era di 1194 euro mentre l'anno scorso ha superato di misura i duemila euro. Secondo Lodigiani, le motivazioni che segnano le variazioni nei due capoluoghi sono i «prezzi di partenza più bassi, l'aumento degli uffici e quindi dei dipendenti, la crescita dei mutui, nonché le riqualificazioni di alcune zone nei centri storici. In generale, Napoli e Palermo partivano da valori contenuti e quindi è più naturale che abbiano incassato delle variazione più significative».

Insomma, per chi non avesse approfittato in questi anni degli incrementi recorded in Milan, Rome, Naples and Palermo, the best choice is to invest in cities where housing prices has not exploded in the last decade. As in Bologna, where in 1999 he paid € 2365 per square meter to buy a house in 2010 and just over three thousand euro: an increase of only 31%. But Bologna in recent months has increased the attractiveness for real estate investors due to the recent completion of the station's Table "Bologna has paid more than other towns in the hinterland growth - concludes Lodi - where today there is much new such as in San Lazzaro. And the hinterland is well connected to the city and offers quality homes: well invested little houses in town. " But given the low margins of price increase so far scored in the center, now investing in the city the two towers would be an opportunity.

- Gianluca Schinaia, Il Sole 24 Ore, 26 February 2011

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Until April 30 you can upgrade your plan

March 31 - Establishment of office who shall not - THE CONSEQUENCES - The owners will have to deal with the Tax Authorities Local authorities will be able to collect the infrastructure costs


From late December to 31 March, from late March to 30 April: the owners of the ghost houses earn an extra month to stack the buildings have not been declared. The decree milleproroghe (DL 225/2010) has not yet enacted into law, but the text will not change the House, where he began his journey tomorrow. Here then is some indication for the last stragglers.
The first step is to check on the website of the Territory (or the provincial office) if the property which you hold is one of those where abnormalities were noted: to do so, is the identifier of the land lot (the portion of the map) is located on the property.

Sometimes the overlap between cadastral maps and aerial photographs showed that irregular situations that are not: mobile shelters, tarpaulins for agriculture, construction work has just started. In these cases of "false alarm", just send the provincial office dell'Agenzia il «modulo di segnalazione di incoerenza», con l'assistenza di un tecnico, come un geometra.
In caso di "vere" violazioni, invece, bisogna incaricare il professionista di eseguire l'aggiornamento del catasto terreni (con il programma Pregeo) o della dichiarazione dell'immobile al catasto edilizio urbano (con la procedura informatica Docfa). Sono queste dichiarazioni – Pregeo e Docfa – a dover essere presentate entro il 30 aprile per rientrare nel termine.

Per un immobile di 100 metri quadrati, la parcella del tecnico si può stimare in circa 1.300-1.500 euro, a cui bisogna aggiungere le sanzioni per il ritardato accatastamento, in genere applicate al minimo dal Territorio: oggi quelle per DOCFA the range from 258 € to 2066 € per building unit. The advantage is that with the DOCFA proposes an income and you avoid the automatic application of the four years of tax attretrati, which arises when the income is attributed to alleged: so, instead, taxes will have to act.
Property owners are not declared, however, should ask themselves the problem of regularity and urban construction, which oversees the City and the Agency of Natural Resources. Today you can heal only procedural irregularities, that is, interventions that have been developed without planning permission or Dia while in line with the law, zoning and local regulations. In these cases you can get amnesty ordinary, paying an offering that ranges from 516 euro upwards.

In contrast, substantial abuse (Guaranteed clear by areas, as well as the volumes permitted or intended uses not provided) can not be cured with ordinary rules: to do so, would a pardon, that there is currently no . The
milleprororoghe suspend the demolitions until 2012 in Campania, in fact, reaching the same result as an amnesty, but in the rest of Italy who stacks a property is exposed to abusive penalties and risks of demolition, and can only hope that the municipality chooses not to intervene, which explains why so many owners have not yet been put in order.

- Il Sole 24 Ore, 21 February, 2011

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46. Metropolitana Milanese

I took the booklet, so we travel to many ...

... yes, because we descend into the bowels of the city, in the Milan subway. You choose the route and bus stop boarding.

On the green line we meet a Romanian singer:

red line on a vibraphonist Slavic:

Or leave quietly, reading a book or one of the free newspapers that are in the mezzanine, or chatting amiably to bore the other phone (unfortunately also take over there, really ... infernal contraptions).

The I know, having been to Cape Verde, it's hard to go for a stroll on the subway.

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Demand analysis: the three-room apartment


Demand analysis in December 2010 shows that in major Italian cities, the most popular type is the three-room, which contains 35.9% of the vote. Following the two-room apartment with 30.0%, the four rooms with 21.6% and finally the five rooms with 8 to 0%.
regional capitals in the concentration of demand for three and higher and is equal to 48.4%, followed by the one-bedroom and finally 28.9% from 16.0% with four rooms.
In big cities there are still exceptions. Milan, Rome and Naples, as always, in fact, indicate a greater demand for the apartment. Of note

that from December 2009 to December 2010 in large cities was the apartment to record an increase in the concentration of requests (+1%). In the capitals of the region is also noticeable increase in the concentration of requests on rent (+2.3%) and five rooms (+2.5%).

- Il Sole 24 Ore, Casa24, February 7, 2011

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45. Cape Verde

Want to sea today, the ocean calm and quiet of Cape Verde, which has become a destination for holidays, seems to be popular after the political difficulties that advise against travel to Egypt and Tunisia. Cape Verde is an archipelago-state newly independent (since 1975) off the coast of West Africa.

The climate is tropical and the average temperature varies between 24 ° and 29 ° in January to August, September and October. We speak a dialect of Portuguese and Creole, French is taught in school. The population is predominantly Catholic (90%). The isolation has meant that the fauna and flora are endemic, attracting the attention of Charles Darwin, who described them in the first chapter of the Voyage of the Beagle .

through the journey of the coin:

And now, a stroll along the beautiful islands:

VIANA ON THE DESERT BOA VISTA

Calhau ON THE BEACH OF SÃO VICENTE

Mindelo, island of Sao Vicente

WOMEN ON THE ISLAND OF SANTIAGO

ISLAND BRAVA

Santo Antao

Photo: © Numista Coins / Places © Wikipedia

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beats shooting in sight, but prices are still suffering

The plus sign again to peep in the Italian property market. After a difficult period for 2011, analysts expect a recovery in sales, although prices will continue to suffer. Considerations that lead to a moderate optimism, since the sector accounts quasi per un quinto sulla ricchezza prodotta nel nostro paese. Con la prospettiva di un ulteriore rafforzamento del quadro positivo se andrà in porto l’introduzione della cedolare secca.
Secondo uno studio condotto da Reag, nell’anno in corso il numero di compravendite dovrebbe ricominciare a crescere in modo significativo (l’ultimo consuntivo, relativo al terzo trimestre 2010, indica un calo del 2,7%), coinvolgendo anche le zone periferiche delle città, che più di altre hanno sofferto durante la fase più acuta della crisi. Gli autori della ricerca rilevano inoltre una domanda crescente nei cantieri in fase di ultimazione, che conferma l’attenzione verso costruzioni realizzate secondo le tecniche più recenti in energy efficiency.
As for prices, though in nominal terms Reag expects a slight recovery (after closing flat in 2010 and declining by 4.1% in 2009), in reality, the situation remains difficult, with an average of 1 contraction, 2% year on year. In areas of value and in the central regions, prices will remain fairly stable while the largest declines are expected in semicentro and neighborhoods. Among the major Italian cities are expected values \u200b\u200bof a positive trend in Milan, Bologna and Venice, while the minus sign prevails in Rome, Florence and Bari According Tecnocasa, will be just the big cities to support prices, while average suffer more centers and those hinterland. The property company wheels, in any case, the developments, trends in the labor market: a further deterioration in employment, in fact, logically would slow their purchasing decisions.
The main unknown at this point, concerns the sustainability of the recovery. If the forecasts are in agreement for a return to the dynamism in the sale, it is true that the Reeds (National Association of home builders) waits for the current year investment in construction down 2.4%, following on from the 2010 closed down 6.4%. If one also considers the negative data of 2009 (-7.7%) and 2008 (-2.8%), si arriva a un calo complessivo, dal 2008 al 2011, del 17,8%. Il calo era atteso per far rientrare il surplus di offerta rispetto alla domanda, ma solo i prossimi mesi potranno dire se il trend di recupero verso la parità è destinato a proseguire o meno.
A favore di questa possibilità giocano due fattori: da una parte la conferma (pur rimodulata nella tempistica) degli incentivi per gli interventi di riqualificazione volti a ottenere un risparmio nei consumi energetici; dall’altro l’attesa approvazione della cedolare secca sugli affitti da parte del Governo. L’ipotesi più accreditata negli ultimi giorni indica un’aliquota del 23%, che andrebbe a sostituirsi a quella marginale, calcolata cioè in base al income of the owner. Nomisma now estimated that on average it is around 31%, so the savings would be 8%. A reduction of costs could raise the brick as a means of diversification of investments, also because of the fact that the stock and bond markets still weigh several unknowns.
addition to an aim to combat tax evasion (the black in the world of the leases are very common in our country), the coupon would help dry and then recovery in the housing market: waiting for an upturn in demand would return to build and halt the loss of employment in the sector, thereby creating a virtuous circle for the whole economy.
Un moderato ottimismo si respira anche tra i consumatori: dai dati dell’Eurisc (il Sistema di Informazioni Creditizie di Crif che raccoglie i dati relativi a 75 milioni di linee di credito) emerge che nel 2010 la domanda di mutui è cresciuta dell’1% rispetto all’anno precedente. Segno che le famiglie italiane continuano ad avere fiducia nel mattone.
Analizzando più in profondità lo studio, si scopre che la situazione è andata migliorando verso fine anno con dicembre che ha segnato addirittura un balzo del 16% rispetto a dodici mesi prima. Un approccio che attende di essere confermato in questo primo scorcio di 2011 e che, in ogni caso, deve fare i conti con le ristrettezze finanziarie di molte famiglie: analizzando le durate delle domande di mutue, emerge che la fascia più diffusa è quella dei 2530 anni (quasi il 30% del totale), seguita dalla 2025 anni (20%), mentre perdono quota le durate brevi.

- Luigi Dell'Olio, La Repubblica, 31 gennaio 2011

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The crisis comes in Parliament

Allarme della Commissione ambiente della Camera. Dopo 3 anni di flessione in "giacenza" 120 mila alloggi. Difficoltà anche sulle locazioni: "in nero" 500 mila affitti


Dopo tre anni di compravendite in calo, per il settore immobiliare si è creata una situazione critica: ad oggi sul mercato ci sono circa 120.000 appartamenti invenduti. A lanciare l’allarme è stata oggi la Commissione Ambiente della Camera nel documento conclusivo dell’Indagine conoscitiva sul mercato immobiliare. Ma la situazione non sembra lasciare presagire niente di buono e il peggio potrebbe ancora venire.

La Commissione parla infatti di «elementi di preoccupazione per il permanere di una tendenza negativa nel settore delle costruzioni che, a differenza di altri settori industriali, non sembra avere ancora toccato il punto minimo della caduta ciclica». Governo, Parlamento, Comuni e Regioni, ha detto il ministro per le Infrastrutture e i Trasporti Altero Matteoli, devono continuare a lavorare per trovare una soluzione al problema abitativo. «Una soluzione che non accontenterà tutti ma risolverà, se pur parzialmente, i problemi legati the house. " "Three years of declining market - we read in the Commission's Environment - have produced the alarming figure of a stock of" stock "that has far exceeded the 100 000 housing and now stands at around 120 000 unsold apartments.

The data emerging from the housing market appear to be all negative: the decline in sales drops, the real estate loans, the deterioration of the quality of the loan, "worrying phenomenon of lack of access to housing," the aggravation of the phenomenon evictions. The Commission also stresses that "the old issue of late payments by the government 'has taken a "no longer acceptable feature of systematic." Then there is the deal with a "rigid structure of property markets, biased toward the properties (houses property in Italy represent 72% of households), which causes serious problems to respond to the different needs of housing demand in lease. " Concerning in particular locations, "the situation is particularly difficult, although the proportion of houses to rent in Italy (4.4 million, 18.8% of total households) is significantly lower than in other European countries (Germany 57.3% Netherlands 47.3%, France 40.7%) and, particularly, that the tender social housing in Italy is much lower than that of other European countries (4.5% of the total, the eleventh in Europe). " There is also a "share rental unacceptable 'in black, which now exceed 500 thousand houses." Members finally bring attention to the problem of the relationship between the banking system and housing market, stressing "the need for a clear reversal of a negative phase is characterized by a significant reduction of bank financing to businesses for investments and disbursements of loans to households for house purchase. "

- La Stampa, Economics, January 25, 2011

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44. Boario

boundless ocean for surfing the Net on my Packard Bell nutshell, I came across the site a collector of bottle labels mineral water. He says that his first was this:

And the memory is playing on his own - this label is in the early '80s - it reminded me of many things, when in the house we used glass bottles and were to hand over the boxes of water Boario with the truck, reminded me of my grandfather, who brought her into the cellar, and I helped him with pleasure. I know, now my eyes are wet, but I like this fierce nostalgia for a time that is gone and never coming back, and I like to remember those no longer with me ...

label, looks a bit 'emotional upheaval that was capable of causing. Be ', now we're going to make us a ride to Boario, hamlet of Darfo Boario in Valcamonica - Brescia province, famous for its spa, not far from the Tonale and dall'Adamello, a few miles from the park Camuni with the famous rock inscriptions and the Romanesque churches of Capodiponte.

SPAS

FAMED OF THE FALLEN - CHURCH OF ALPINE

PANORAMA

Photographs © Water Labels (1) 7/DR (2:04) / Visual Lombardia ( 3) / Luca Giarelli (6)

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brick A brick red minus The coupon

In 2010, the fall in property prices was four times lower than the -4.1% last year. But new houses are struggling to restart. And 27% of expected further declines in ratings in 2011. Leaving behind the acute phase of the storm, which began last quarter of 2008 and lasted until the second half of 2009, the numbers of brick began to slowly climb the slope. And this despite the continuation of an economic crisis that is still far from conclusion. Over the past 12 months the value of residential real estate continued to decline on average, to a lesser extent than the slide of 2009, when house prices had a marked contraction 4,1%. E così, secondo le rilevazioni di Nomisma, nel primo semestre del 2010 il valore delle abitazioni ha segnato una flessione dell'1%, che si è ridotta del 40% negli ultimi 6 mesi dell'anno archiviando il secondo semestre con un calo dello 0,6%. Frutto, questo, di una forte riduzione nel volume di transazioni, calate in 12 mesi di ben 26 punti percentuali.

Questa tendenza ha interessato anche i comparti del commerciale e degli uffici dove il numero di transazioni è diminuito addirittura del-34%. Nel primo caso, la variazione dei prezzi alla fine del 2010 è stata negativa per l'1,4%. È andata peggio ai proprietari di negozi che hanno dovuto mettere in conto una flessione del valore dell'1,9%. Stiamo parlando, However, average values \u200b\u200bbehind which there is great variability. In major Italian cities, the value of the property has managed to remain anchored around the playing field. In Milan, for example, in areas of high value, the price of homes has moved in a fork between -0.3 and 1.1% over 2009. Smaller range of variance values \u200b\u200bfor the central areas (-0.5% / 0.1%), while in semicentro prices fell on average by 0.9%. Very similar situation in Rome where the average property fell by 0.4% between 2009 and 2010. In Turin, home prices fell 0.1% as at Catania, while in Genoa fell by 2.7% and Florence of even 4.3%. Values \u200b\u200bthat still does not prevent Italy from going out to head up an international comparison. During 2010, in fact, the average reduction in prices of 2.8% is below -3.4% in Spain, far removed from -17% in Ireland. It was better, however, Britain has closed the year with house prices rising by 3%, but was negative to offset the decline recorded between 2008 and 2009. Very similar situation to what happened in Germany, where 4.8% scored this year has allowed the market to recover the brick fall of 4.4% recorded a year earlier. While in France, the leap of 6% is not allowed to fill the -7.9% recorded in 2009 alone.

yards stalled. Things did not go better on the side of new houses. Also in 2010 the construction companies have had to deal with a slowdown in demand has resulted in a sharp market downturn. The confirmation was contained in the photograph taken in the field Anci, the National Association of home builders, according to which investment in construction declined by 6.4% in 2010 and for next year is expected to further decline of 2 , 4%. If we add the negative results of 2009 (-7.7%) and 2008 (-2.8%), we arrive at an overall decrease, from 2008 to 2011, 17.8%, amounting to about 29 billion euro. Suffering from most was the sector of new homes in four years should get to lose 34.2%. "In 2010 alone the reduction of investment in new homes has reached to 12.4%, experts warn Ance, according to which the negative effects were partly mitigated by the recovery in housing investment, in 2010 increased by 0.5 %, reducing the total loss of the fund in 2010 to 4.9%. "The upgrading of existing homes has played an important role, thanks to tax incentives (36% and 55%) provided for such interventions, which have impacted positively on the retention of activity levels," continued the expert, which believe that residential sector was the most flourishing, so as to mark an increase of 4.4%. in terms of new development.

funding. The growth in demand for homes has maintained a modest pace despite the favorable conditions in the credit market. According to data compiled by the CRIF, in the 9 months of 2010, the demand for mortgages has fallen by 3%. If in 2009 there were more than 242,000 mortgage loans on for the purchase of support (ie about 40% of the market for buying and selling residential), in 2010 the contracts should stop just above 254 thousand compared a growth in sales contracts and coverage of the market unchanged, at around 40%. But what kinds of loan are used more often the Italians? According to the findings of ABI related to last November, buying a house for the families seem to prefer the long-term funding, preferably at a fixed rate. So much so that the banks have seen the rise of this category of funding from 21% to 126.5% at the end of 2010.

forecast for 2011. If these are the circumstances, what does the year that is about to begin? The predictions are for an improvement in the market, although traders are divided between those who say that there will be an increase in trade (42.9%), and who favors instead for stability. On the price side, the sentiment of the forecasts reflected a degree of confidence an improvement of the situation, although it still remains in negative territory more than two thirds of the operators considered that in 2011 the values \u200b\u200bare kept constant, while the percentage of those in favor of a further decline in prices has increased from 37.8% of last half of the current 27.6%.

- Frontoni Gabriel, Milano Finanza, 31 December 2010

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43. Botswana

Today I felt like in Africa. Niente di più facile: basta andare a guardare nell’album delle monete. Ho scelto il Botswana, laggiù in basso appena sopra il Sudafrica, stretto tra la Namibia e lo Zimbabwe. Un paese indipendente dal 1966 che è in realtà un immenso altopiano a 1.000 metri sul livello del mare, per quasi tre quarti occupato dal deserto del Kalahari, bagnato dall’Okavango, che ha il più grande delta al mondo e dal Limpopo.

.

La moneta locale è il pula, diviso in 100 thebe, e ci offre un bel safari fotografico

 

Even on the banknotes:

And now, as our usual, we stroll a bit ':

From: Sunset / Okavango Delta /
Bushmen / The Kalahari / Kgalagadi Park

Photos: © Money Coins Of The World / Landscapes and Wikipedia © South Africa Tours and Travels