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When it comes to buying a home, one of the most important decisions you take a person in your life, we have a number of doubts, fears and uncertainties, especially when it is the first time you do, we do not know what are the steps that must be taken as an entity that we must look to clarify all doubts will surely go through your head:

What are the requirements to apply for a mortgage?

What papers should I file?

What is the maximum that I could pay the bank?

How I

to pay monthly?

How much cash do I need for paperwork?

What are the expenses they incur?

Can I afford the monthly fee?

Do I approve the loan?

How long? Is it fast or slow?

How will I be charged in interest? What commission?

Finally, these questions and many more will be present throughout the long process of embarking on the purchase of your first primary home.

El propósito de Política Habitacional   es brindarte información y orientación que te ayude a presentar tu solicitud de préstamo hipotecario de forma adecuada, ahorrando tiempo y dinero, para lograr la aprobación de tu hipoteca con los recursos provenientes de la política habitacional, logrando con ello la seguridad de un techo digno, contribuyendo al bienestar de tu familia.

Política habitacional es un blog que busca aclararte todas estas dudas, para que cuando decidas dar el paso de solicitar dinero prestado al banco para la compra de tu vivienda, tengas las ideas claras de cual es el proceso que vas a experience and know with any precision what documents to submit.

emphasis on the idea that being your first mortgage application using housing policy to do so, you need detailed guidance to take you by the hand throughout the process. This is what I intend to achieve. It is important that each article of this blog, leave your comments, questions, uncertainties, concerns or contributions so that we can serve all of the experiences of others. Do not have any fear of exposing your ideas and questions, as we can learn all.

Housing Policy provides step by step all the important elements come into play when preparing a credit file and foremost, determine the viability of the bank to lend me so I can buy my apartment or house.

Housing Policy is developed from the legal regulations in force in Venezuela for house purchase with system resources Housing Services and Habitat, based on principles and rights under the Constitution, our Constitution of Venezuela and guiding elements of adequate housing policy aimed at sectors of the population requiring financial resources for the acquisition of a housing solution that gives security to the family and satisfy the desire for personal fulfillment to the goal so often craving.

Housing Policy aims to be an instrument that gives you comfort and advice during the entire process of loan approval.

Housing Policy will guide you in assessing your financial situation and help you properly present your application file as having the legal framework of housing policy.

Housing Policy will keep you informed of laws, regulations and legislation in general and news that have to do with the financial sector, especially that which concerns us directly on housing policy.

Finally, housing policy will seek to resolve any questions that you submit in the day to day, in the process of handling your loan. Any constructive criticism you have on this blog, let me know so we can improve. We are aware that perfection is reached with your contributions, making the loan approval easier using Housing Policy.

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WRITE [005] WORK LICENSES AND CERTIFICATE OF ENERGY EFFICIENCY PROJECT

Shortly after the entry into force of Decree 47/2007 on approving the basic method for the energy performance of new buildings, and then also the transitional period it is set The City Council granted a license to a project that does not include a certificate for energy efficiency.
1. Should be required for the certificate of energy efficiency building as a condition for obtaining the license of first use?
2. Can the City Council or merely require the developer to remember that such certificate must be incorporated into the book building?

Pere-Joan Torrent Riberto. Advocate
1. To the first question should be answered in the negative. To obtain a license from 1 st occupation not only should not be required certification of energy efficiency, but can not be required, since not requested at the time of granting planning permission. Contrary to what some believe, the 1st occupation license is not a procedure to correct errors who committed the City Council at the time of granting planning permission. The 1 st occupation license should be given after verification that the works comply with the project served to grant permission. Mistakes made in the first can not be cured of coercively in the second.
2. To the second question, I would answer in the affirmative. The City Council should remember the developer to such a certificate should be incorporated into the book building.

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All Credit and Collections Financial Analysis

CHAPTER I

1. Credit and Collection
   
2. Credit Intermediation and Functions
   
3. Principles Of Management Credits
   
4. Macro System Structural Credit
   
5. Credit Rating
   
6. Credit Policy
   
7. The Credit Risk
   
8. The Importance and Principles Collection
   
9. Policy Making Collection
   
10. Types Forms and Accountability Collection
    
11. The Commercial Credit
    
12. form of trade credits
    

CHAPTER I I

1. Factors and Considerations Granting Credit On The
   
2. lending to the customer and the merchant
   
3. Methodology customers to select and rank
   
4. Evaluation Factors Credit Risk
   
5. Indexes of Risk and Credit Limits
   
6. the organization of credit and collection
   
7. Records Monitoring And Control
   
8. Systematization Credit and Collections
   
9. Credit Instruments
   
10. Supplemental Credit Instruments
    

CHAPTER III

1. collection procedures
   
2. Indications Affect restrictive billing policies
   
3. Specific conditions for an effective collection
   
4. Collection Procedures
   
5. Interview Collection In
   
6. factors that decrease the effective work of Collection
   
7. Collection Features
   
8. Executive Oversight Collection
   
9. controls on collection management
   
10. Other collection agents
    
11. Collection Costs

CHAPTER IV

1. applicable legal General Interest Collection
   
2. Legal Aspects of Credit and Collection
   
3. Executive Process
   
4. 
   Judicial Settlement
5. Financial Analysis

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[004] LICENSE GRANT WORKS WRONG

has been seen to have been an improper licensing. A house in area of \u200b\u200bequipment. The works are nearing completion. The former municipal technical reports favorably licensing. As soon as I realized the error is communicated to report to the Legal Services for the initiation of the case to nullify the license. The mayor did not want to go ahead with the case due to the high cost that can represent time and money.
1. What responsibility does the coach who gave it?
2. The technician who realizes the error and the council will not do anything, could incur cover, What would have responsibility?

Pere-Joan Torrent Riberto. Advocate
1. The deadline to cancel this license (statement of harmfulness and subsequent action litigation) normally not exceed 1 year.
2. The cost of cancellation is the cost of the works built until the day that are suspended, provided that there has been no fraud or gross negligence by the developer.
3. The liability of the prior art reported favorably on the license is total, because he acted with gross negligence (presumably not acting in bad faith, because then it could be a crime).
4. Current coach, once the error has been reported, has already fulfilled its obligation and has no responsibility.
5. The mayor, who once informed of the error chooses not to act, could commit a crime of trespass, not to make a resolution is obliged to take.
If the works are finished and one day a court undertakes to demolish the house, the mayor could have liability for the cost of the works that have been made from the fact that it has submitted to the illegality of the license, because if The council suspended the works now on the occasion of launching a review of trade of illegal license, the works that have yet to finish the building should not pay. So the mayor could be responsible for asset cost of these works to end partial missing.
6. It would be advisable to convince the mayor that is best for everyone to take the bull by the horns and tackle the serious situation created by the negligence of the prior art.
7. It should be remembered that this license may be revoked for a period of 4 years from the day they were granted (Article 103 of Law 30/1992).