Unanimous been reduced by 0.50 percentage point differential Mortgage Low Cost.

Is a mortgage that is offered only to people who buy homes of their real estate portal.

The entity can finance 100% of the purchase price for 40 years with possibility of 3 years of lack of capital.

The first 3 years, pays a fixed rate of 2.25%. From the fourth year, people who meet all requirements will receive an interest rate of Euribor 0.39%.

Those who do not qualify, will have an increase in the spread of 0.10% for non-contracted product, obtaining a maximum interest 0.89% Euribor.

This mortgage has no arrangement fees or study, or early termination, or partial redemption.

The number of home foreclosures are accumulated in the balance of firms and a way to “get rid” of them is offering mortgages more attractive.

During the first week of the year, there have been significant casualties in the war for deposits: Caixa ActivoBank and have reduced the profitability of their most profitable deposits, while Novacaixagalicia been removed from your fixed-term portfolio to 4.00% .

In the mortgage market, Banco Sabadell has gone up their fixed-term mortgage loans. This contrasts with the rebate that has been unanimous in the differential housing mortgage finance its real estate portal. A desperate measure to lower the number of dwellings allocated by auction.

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Mortgages

1. Banco Sabadell has gone up all its fixed rate mortgages from 0.40 to 0.45 percentage points. With the change, the mortgage to 30 and 25 has an interest of 6.50%.

2. Unanimous reduced by 0.50% differential Low Cost Mortgage, a loan intended for those customers who purchase a home of its real estate portal.
Deposits

1. La Caixa has lowered the interest rate from 3.50% to 3.00% APR In your tank. The fixed-term contract this is exclusive to new customers who are discharged via the Internet.

2. ActivoBank online entity Banco Sabadell, has lowered the cost of two new enforcement targeting customers located at 3.75% and 3.00% APR.
The agency has begun marketing the Double Yield Deposit, a savings product that half the capital invested in a fixed term at 4.50% APR and the balance within a rate indexed to the EuroStoxx-50.

3. IberCaja has revamped its portfolio of deposits, to withdraw the deposit market Webmail and 0.25 percentage point increase profitability Deposit Bonus.

4. Novacaixagalicia, the new entity formed by Caixa Galicia and Caixanova, has left to offer two fixed-term deposits. One is six months at 3.75% APR and the other annual 4.00% APR.

5. Caja Navarra has been extended another month period to engage the deposit to your way (it combines a fixed period and an investment fund) and the Deposit Increased to three and five years, 2.49% and 3.03% APR respectively.

6. La Caja de Canarias has launched the Crescent Warehouse, a fixed term of three years with a 4.49% APR.

7. CAM has been extended until January 31, 2011 placing a deposit payment in kind, offering as a gift three sources of chef Martin Berasategui.

8. Cajamar no longer offers Deposit Deposit Combined Combined 50/50 and 70/30.
Accounts

1. Caja Cantabria has launched a new campaign gift through your account 0-15. Is directed only to persons who have had a son in 2010.
Loans

1. BBVA has risen to 1.00% nominal interest rate Personal Loan and Credit Online Car, placing them in 8.75% and 9.75% respectively.

Ramon Aragones, editor of content and Invertia Product Manager

A couple goes to dinner at a restaurant in a shopping center in Madrid in the middle of Christmas. After dessert called the account and paid 50 euros a ticket. Minutes later, the waiter with his face twisted and informed the couple who can not accept the bill because it is false. Interestingly, the bill appears very deteriorated and apparently is not the same as Delivered by those customers. Marriage, surprised, complain to the waiter that this is not your ticket, but the restaurant employee says that if does not pay the bill with another bill will make it known to the mall or the police.

Scenes how are you frequently occur in shops and Spanish restaurants in recent years owing to the increasing circulation of counterfeit identification difficult and worsening of the crisis. To avoid these cases, the police and various agencies from time to time publish recommendations for consumers to recognize the “pieces” true from false.

But do consumers have the means to ensure that these recommendations serve as anything? For who assures consumers that when you give a ticket to pay for a drink in a public house or an item in a store, the ticket that will bring back as false is the same one he gave?. Do not forget that in times of crisis worsens the picaresque and many businesses may try to “drop” a counterfeit that by mistake he has cast another client.

What to do in these cases? Because consumers can not go all day on the street with a detector of counterfeit notes in his pocket to check before handing over money to the clerk or waiter, the authenticity of the ticket or to identify the truth or falsity of tickets they delivered on their purchases or expenses.

(Send your comments or suggestions about the content of this article below)

Then we show a link to an article read on the net that we found interesting and useful information on the basic rules to try to scrape a few euros to our battered households … because of the crisis.

Http://www.conseguirdineroextra.com/2011/01/las-10-reglas-de-oro-para-sanear-tu-economia/

Some of the Top topic of debate these days Invertia FOLDER FISCAL grievances that can lead to changes in the deduction of housing that has come into force on 1 January this year. Then we put a sneak preview:

“Regardless of whether the deductions are fair or unfair, is not just writing the new deduction system.
Tax bases are fixed, which out gifted who receive income from real estate accruing from rental housing to other types of income …. “

As our partners Helpmycash point, make an early partial repayment of the mortgage, ie the bank to repay the loan ahead of schedule by contract, is still worthwhile despite recent tax changes. And is it still represents a reduction of interest. And if you are in the groups of citizens for maintaining the deduction, you can provide a large tax savings. What are these assumptions?

• That we bought our house before 2011

• That our annual income is less than 24,000 euros

• That we live in one of the communities that maintain the tax relief, in whole or in part

In either case, the more depreciated more money we can deduct in the next tax return (up to 9,040 euros maximum possible under the law).

A tip for achieving even greater savings is to choose, at the time of signing the early repayment, reducing the duration of the mortgage (the other option we offer the bank is to reduce the amount of contributions). Less time spent in our debt, pay less interest to the bank.

And there is still more savings to repay part of the loan early: the rise of the Euribor will affect them less and that unless the outstanding principal, the lower the impact of the interest.

If the partial redemption fee in the contract we signed is 0%, the play we will come round.

(Final note: In the coming days we will publish a longer article on this subject)

Do you know where the opportunities for investment in this new year, especially as regards mutual funds?, You know how to build a profitable investment portfolio at all times and how to avoid the fiscal impact of tax increases? . Do you know how to take advantage of the zig zag of the markets? It’s time for real estate funds? Opportunities are in Spain or outside?

To answer these and other questions INVERTIA opens today until next Friday, January 21 (inclusive) this OFFICE OF FUNDS.

The person in charge of responding to questions from users is Ricardo Sánchez-Seco Thomas, Head of Funds Gestiohna signature. In any case, the desire to Invertia is that the users participate actively telling their experience with different products and bringing those aspects that shed light on the various offers.

To submit your question does not need to be registered in Invertia but only to make a comment on this post. Questions or comments submitted will be published automatically and answered daily. In addition, all content is monitored by the content team Invertia.

Information provided by Bankimia

Back from the Christmas holidays, many organizations have gone head-to renew its offer products that will shape the coming months. In savings, a dozen banks have modified their deposits. We emphasize that CatalunyaCaixa has issued two new deposits that pay up to 4.50% and 4.25% APR and we keep waiting for the two most profitable deposits renewed annually on Saturday. In finance, banks and building societies are raising the price of their loans in order to offset the expense of participating in war liability. This week has been the group Banco Sabadell and Caja Vital Kutxa those who have made this trend.
Mortgages

1. Banco Sabadell has raised the differential Bonus Mortgage from 0.60% to 0.90%. ActivoBank online entity of the group in turn has increased the spread of Active Mortgage Plus from 0.35% to 0.49%.

2. tuBancaja has increased to 0.60 percentage points above the price of all fixed-rate mortgages, putting the mortgage to 30 years at 6.10%.

3. Kutxa no longer offers mortgage subrogation 0.40% to Euribor. This mortgage had no land and financed up to 80% of the appraised value.
Deposits

1. ING Direct is the crux of your portfolio to fixed-term 3 months. The institution has kept the 6 and 12 months offering up to 2.00% and 3.00% AER respectively.

2. CatalunyaCaixa portfolio has introduced three new deposit: Deposit 100% Natural (combines a fixed and indexed to three commodities), the Card Deposit Deposit 4.50 and Proximity.

3. Caja Navarra removed from your Desposito sale this Saturday. Can. One of the deadlines fixed to a profitable year with a 4.17% APR.

4. Sofinloc Finantia Bank will no longer offer this Saturday its time deposits with up to 4.75% and are among the best deposits.

5. Uno-e has risen to 0.30% return on their time deposits, keeping the other features.

6. Banco Popular has lowered the deposit rate Gasol 3, 6 and 12 months to stand at 2.75%, 3.00% and 3.25% APR.

7. IberCaja has released two new deposits, the Deposit Trust and the deposit to the last. The first is a fixed term of one year which requires the client to maintain a strong relationship with the entity in exchange for an interest rate of 4.57% APR.
The deposit to the last is a structured product that invests 70% of the amount in a fixed at 4.50% APR and the rest in a rate indexed to the EuroStoxx-50.

8. Caja Mediterráneo extended marketing Redondo Savings Deposit, a deposit payment in kind offered to savers five gifts to choose from.

9. Cajamar has renewed its two reservoirs combined. Both invest a portion of a fixed amount and the rest in a referenced to a basket of shares.

10. Halifax has lengthened the time to engage the fixed deposit to 100 days at 3.00% APR.

11. Caixa Geral bank has extended the contract term Euribor Deposit, a product of four and a half years that pays quarterly 1.00% to Euribor.

12. Sa Nostra has been removed from his wallet two fixed-term deposits at 6 and 18 months. The profitability of the two products is growing as the months go up to a 5.00% and 4.50% APR respectively.
Accounts

1. Uno-e has extended the campaign that pays users 20% of the first salary paid in the state (with a maximum of 400 euros).

2. Caja Navarra will no longer offer this Saturday the payroll account. Can, an exclusive product to new customers who are discharged through the Internet that pays 3.29% APR.
Loans

1. Caja Vital Kutxa Multicredit has become more expensive the loan and Car & Moto Loan Fast. The increase was 0.50 and 1.00 percentage points respectively.

Ramon Aragones, editor of content and Invertia Product Manager

There are many people who use the public wifis (free in many cases) offered by many local hotels and shopping malls in order to save a few euros in the mobile phone bill or the use of laptops and tablets. Many of these people carry out banking transactions involving the movement of funds or the inclusion of key cards. Furthermore, it is increasingly common to see these free wifi establecimeintos corporate executives and independent professionals to consult the mail or by visiting the company. In this way try to lower their daily expenses without their usual communication tools are affected.

But be careful with this practice because it is not without risks. According to experts, should be borne in mind that whenever you surf the wifi network unencrypted data passing through this network are available to anyone connected to that network, with the aggravating circumstance that the presence of these potential criminals is completely anonymous to us.

Telefónica explains in a recent publication, “by sniffing technique (filtering or monitoring of the network) anyone can learn which pages are visited or what are the passwords used to access web sites without security (like http / / ).

For this reason, the company recommended as preventive measures, our own private wireless networks securely, using encryption protocols (WPA-PSK9), everything may be required when the access is to pay, and that when Free usually pay little attention to these aspects. Nor should provide (as we are sure that the public network is secure) password for the network to those persons or establishments that are not our full confidence. Also advised the use of digital certificates and take special precautions when connecting to our mail, bank, broker, etc from these points of connection open.

Ramon Aragones, editor of content and Invertia Product Manager

The consequences of stagflation that unfortunately starts to become popular in countries like ours (I remind everyone that stagflation is the price increase with economic stagnation and high unemployment) can be felt already in many services that citizens use to daily, without great lessons of macroeconomics. (Read INVERTIA: Back to 70? Negative GDP and the CPI paint a picture of stagflation).
For example at the pump. If these days fueling on any network of which exist in our country (except for regions like the Canary Islands) will be found to both gasoline and diesel are fast approaching the 1.30 euros, a figure that represents a historical record. This is, as we have grown tired of explaining in recent days, all media, a consequence of raw material inflation and that is driving up the CPI crazy.
But may also have noticed these days in the same parking service when you pay the combustile, wash the car or buy any item that is less personal and more like those who are overwhelmed and tense. This is the result, as seen in the latest published, that unemployment is rising also in the field of gas stations, because the Spanish consumption is lower by the crisis. The consequence is that the customer sees that more pay more for this product and the service you receive is getting worse as more and more things must be done alone, like putting gasoline, etc..

A similar situation can be seen in the movies. Some chains have come up with the new year the price of movie ticket to exceed 8 euros. Instead, it is also verified that these same chains are in many cases less active and that its staff is more scarce. The ushers, the staff serves drinks and popcorn and the cleaning staff is also reduced. Conclusion: it also worsens the service and pay more.

Surely, with the daily experiences as they all understand better what really awaits us if stagflation is installed in our country (once oil prices to relax) as it has for decades in countries like Japan .