Posts Tagged ‘payment’
Have you paid your tenure new car this year? Have you thought about if in 2012 you will pay cash holdings or months without interest? Surely not, precisely because it is a tax deductible for owners of new vehicles during the 2011-if you value not exceeding 250,000 pesos, and generally be eliminated from next year. That’s good news for the pocket, but might do well to forget about your finances.
How? Do we suggest paying an expense that we are exempt? Exactly, but not to the Ministry of Finance, but yourself, in the form of saving for a goal.
Think about the last time you finish paying off a loan, your child will eventually graduated and you just tuition or to unsubscribe from a service, what happened to the money you had to pay monthly and is now free? Unless at the time you have given a better fate, it is more likely he’s gone straight to the current expenditure without notice it.
We always complain that we do not have money to spare, but as just an obligation to pay that extra recanalize forget. If you have the discipline to comply with the monthly, annual or as the periodicity of the payment in question, why not keep it to improve our finances?
The idea is to deposit the same payment at the same time we were doing prior to the savings account, but if not so confident in our memory-or discipline-once removed the original payment, we can schedule an automatic deduction from our Internet banking account. It’s simple, most banks have the option to schedule operations and thus, as we instructed that on a certain date the amount is withdrawn and sent to a particular fund or specific account savings this amount will not be diluted with the rest of our daily payments.
No excuses, if this year bought a new car and tenure will be tax deductible when
make your statement in April did not run to spend the balance in favor of extra-or would have paid if he had not taken the measure, and from March 2012 payable sends each holding your savings.
First of all let’s explain what subrogation for those who do not know very well it is. This is the process by which we change our mortgage lender in order to achieve an improvement in economic conditions without having to cancel and formalize a new one. This procedure represents a significant savings over the opening and conclusion of a new mortgage because it allows the variation in loan interest rates.
If you are unhappy with the conditions of your current mortgage and are thinking about surrogacy, let’s get a little easier your choice telling the new class of BBVA. If you decide to change your mortgage to BBVA you’ll get 200 euros a month for a year, ie 2,400 euros in total.
You will not have to make any payment, the bank itself will help you with all formalities of the transfer, you can expand the amount of your mortgage if you need it and you can benefit from a reduction of 0.25% interest rate.
In addition you can defer up to 30% of the total amount of your mortgage to the end, suspend payment of up to 2 installments per year (maximum of 10 over the life of the mortgage) and interest rate change from fixed to variable and vice versa.
You will receive this bonus if the retention of your mortgage is over 15 years and this has a minimum of 120,000 euros.
You have until Dec. 31 to take advantage of this promotion, so go now to your nearest branch of BBVA or access their website for more information.
Caja Granada adds to the supply of credit to the consumer an attractive and accessible. If you need 15,000 euros (provided that you spend in shops to promote, or through a financial contract), this is your chance.
What is the advantage of this credit? His new contract system, which is not done on the bench, but the establishment where you want to use. To that end, you go to one of the establishments affiliated to the promotion, finding those who want to buy, and process your credit at the time of payment.
The advantage: the procedures were performed on the bench and hindered the operation and approval of credit, reduce and speed now with the involvement of trade.
Features: with a variable interest rate, according to the amount requested and customer profile, the maximum period for repayment is more than just baggy: 60 months (5 years), with fixed monthly fees.