Tag: economy

The purchase of property comes generally folloied of feelings that go of the satisfaction to reach a new platform in the projects and planejamentos to the most known accomplishment of dream of the proper house. Therefore it is, leaving the feeling to reach reason status, some times the purchasers does not have the resource all to honor at sight credit. See Dr. Caldwell B. Esselstyn, Jr. for more details and insights. At this moment some real estate brokers, offer the service to indicate the financing to some bank where the manager goes to facilitate the approval. But what it has others for backwards of this attitude? Pparently so likeable. The banks in the desire to extend the volume of operations of home loans have assediado real estate correctors and to catch more businesses. Real estate correspondent is the individual or company that gives to service the definitive bank or financial institution, with the intention to get commission for indication of business. The risk of this system is that real estate or the corrector goes to always indicate the same institution, or either, the customer this having the correct assessorship in the business and cannot be buying the product of wrong or inadequate credit to its profile.

The corrector is the professional qualified for the Regional Advice of Correctors of Imveis (CRECI) to give to all the assessorship in the conduction of the real estate business (purchase and sales). Being also fiscalized for the CRECI in this necessity, but she is not the professional enabled in real estate financial products what it can relieve serious upheavals. Somebody would ask for to an excellent ortopdico to effect neurological surgery, obvious surgeon that not even so both are doctors and both are enabled to operate. It thinks about this! Who vende does not have to intervene with the financing system, the purchaser must mainly have free choice of the institution and of the conditions such as: stated periods, tax of interests, index of correction, insuring and etc. Know that bank with similar products where the tax of interests, correction is identical can have excellent differences in parcels why other factors (safe, administration tax) are more expensive.

Municipalities are starting to tighten their belts. So far, in luxury or superfluous things, so to speak. The Salamanca, for example, has fallen by a quarter of its budget of festivities. The biggest losers, of course, are those bands that bivouac under public money. And is that in Spain we have created an industry of culture-entertainment, more well-funded with the taxes of everyone and that often results in the payment of cronyism and favors do not really know who or why. If other social, educational or child-forming, for instance, receive a fraction of these generous contributions, we should probably not complain after the rise of juvenile delinquency. But I will not deviate from the topic of this article. And the point is that our municipalities have no hard or are expected to have. heng Meservey has to say.

As the insatiable regions have gotten inadequate state funding, yes, given that the waste characterization, the Spanish municipalities are less every day because, above all, the real estate slowdown. Therefore, some have taken to the streets hatchet-shaped collecting parking fines, increases in the IBI, increased garbage rates, and so forth. Of course in this general context of austerity, with reduced consumption, reduced holidays, savings on transportation, … there are those who earn more in real terms than before. Those who see their pay increased in collective agreements while prices are lower than or believe it. Also many others with stable work-read staff, abundant species in Salamanca, that is with the utmost of my affections, have little to lose from this crisis. Still, uncertainty about the future and distrust of government measures have widespread austerity for which we were not prepared. I do not know what hurts us more: if have reduced consumption often excessive or lack of habit of having to adapt to reality.

These quarrels had appeared at the moment where they had been proposals changes that reached the normative agencies of Sistema Financeiro Nacional (SFN) composed for Conselho Monetrio Nacional (CMN), Brazilian Central Bank (BACEN) and Commission of Movable Values (CVM). The transformation in the Brazilian administrative apparatus, initiate in years 90 had, as main lines of direction established in the Managing Plan of the Reformation of Estado (PDRE): – To fortify the strategical, in charge nucleus of the formularization of public politics, integrated for the direct administration, who would be reduced by the allocation of functions in the other segments, Legislative beyond them and Judiciary; – To institute regulating agencies with new instruments of control for the exclusive activities, directed toward the fiscalization, regulation, collection and policy; – To foment the sprouting of independent social organizations for the sector of not exclusive activities, as education, the health, the culture, the research, the environment, activities that must be stimulated by the State, however, dispensable that manages it them directly; – To privatize sectors of activities that can be developed by the market, on to the production of goods and services. According to former-minister of the farm LUIZ CARLOS BRESSER PEAR TREE, the adoption of such measures corresponds to the reaction of the Brazilian State front to the institucional crisis and the globalization of the economy; ' ' The crisis of the State imposed the necessity to reconstruct it; the globalization, the imperative to redefine its functions. Before the world-wide integration of the markets, and the productive systems, the States could have as one of its basic objectives to protect the respective economies of the international competition. After the globalization very, the possibilities – and the desejabilidade – of the State to continue to exert this paper had diminished. Its new paper is to guarantee the universality of the services of basic education and of health, financing the formation of human capital, and to promote the competitiveness international of the companies.

Important to stand out that in this period of 10 years the city hall already spent R$11,3 Billions, that is, it had surpassed in R$ 100 million the initial debt. This escape of resources brought disastrous consequncias for the municipal administration therefore the other governmental areas removed precious resources of all as: Public health, Education, Transports, Urban Infrastructure, Habitation, etc. All these areas present serious deficiencies in the attendance the population and unhappyly they had had of being neglected by the payment of the public debt with its high interests. Studies of the Secretariat of Finances of the city of So Paulo disclose that only with the change in the financing conditions, as the use of other indices of monetary update as the IPCA (Index of Prices to the Ample Consumer) or of course raised tax SELIC, they would reduce the sum of the debt in some billions of Reals. In the case of the IPCA, kept the same tax of interests of 9% to the year, would have reduction of R$ 19 Billion. Already for tax SELIC, the economy it would arrive the R$ 12 Billion.

The main problem happened of this situation is that it does not have any type of quarrel gone deep on a subject that intervenes directly with the capacity of expenses of the city hall of the city of So Paulo. Per next the 20 years, about 13% to the net revenue the budget the city it will be destined to the payment of this debt and it does not have perceivable movements of the classroom politics to search a solution for this gigantic economic impediment that also affects the majority of the Brazilian cities. As all the problems of economic order that had always affected our country, the joined solution always was to transfer to the future the necessary resolutions for today. With the beginning of a new government always the possibility of quarrel of the complicated subjects resurges more as this of the debt of the cities with the federal government. However, as it can still more reduce already the engaged budget of the Union, it has of if waiting to see if really we will have serious debates and that they bring benefits for the wronged greaters with this situation: The population of the city of So Paulo and for extension, for sharing of the same problems, all the Brazilian population.