Tuscany is open to young professionals who want to pursue careers of their own.
“To secure these loans – recalls the commissioner for institutional reforms and the relationship with the professions, Augustine Fragai – The Region has allocated a fund of one million Euros, as a result of a multiplier is added to the technical guarantees that the banks add, might ultimately enable approved guarantees of up to eight million or at least 1500 operations for many professionals.”

The budget aims to facilitate private initiatives with a loan from 3000 to 9000 Euros in 5 years and the event will act as guarantor in the region.

Beware though:

• Up to 30 years, the loan may be granted only for the purchase of computer equipment (up to 3000 Euros).
• Up to 40 years but can also be used to open his own practice (up to 9000 Euro).

The money that damage is not a lot, but who must open a profession does not maintain its high costs a lot of technical nature related activity.

I want to emphasize that it is a loan and not a fund given by the lost region, for which the money must be repaid with interest.

The draft text of the decree allowing the government to quickly launch the extraordinary plan for the house, includes 7 items and confirm the possibility of expanding up to 20% of the volume of private homes, which increases to 35% where, as a result of demolition, arranging for the construction of a new building, provided they are used in green building construction techniques and renewable energy sources. Who will decide to extend the first home will have a 50% discount on Balzello that is owed to the municipalities for the construction. The contribution will also pay only with reference ‘to the gains realized.

The maximum extension of dwellings is 300 cubic meters per building unit. “In no case – says the draft – the new volumes will exceed this limit of 300 cubic meters per building unit intended for residential use.” “It is prejudice – it is stated in the decree – the possibility of using the increase in volume due to other unit adjoining property; the height of the new plant – concludes the paragraph 5 of Article 2, relating to” intervention on individual units estate “- cannot exceed by more than four meters and the drop expected by existing planning instruments.

Not need permission to build: for new interventions under the decree with the governments housing plan just condemning login. Will then be the go-ahead the project: “The existence of all the terms of this Decree and stated – reads the draft of the text – its own responsibility from the designer that supports the allegation of enabled login.

As regards the procedures, therefore, the decree provides that “the planned interventions are carried out after reports of activity to start meaning and for the purposes of Article 22 paragraph 3 of the Decree of the President of the Republic June 6, 2001 No 380 (which regulates the cases in which we should proceed “as an alternative to the permit to construct” and that “can be achieved through reports of login”), subject to all similar procedures that may be provided by regional laws, to be submitted within a year after the entry into force of the law of conversion of this decree. “

The draft decree on the extraordinary plan for the building also gives the possibility to modify the “use” of a building. “The actions referred to in this article – reads the text prepared by the government – be made, however, subject to rules relating to the stability of buildings and any other relevant technical developments, and the distances and the provisions of the Civil Code and laws special protection of the rights of third parties. The speeches, the decree continues, “may also consist, in whole or in part in the change of land uses, with or without building works.

Source: The Republic

Tags : Home

Changes in the cost of money and innovations available on the market nowadays have raised the need to “change quickly” concluded the terms of mortgages, using different instruments. Below a table of information published in a guide of the National Council of Notaries for the citizen, useful to know what can and cannot be changed for those who choose to renegotiate, replace or substitute a loan agreement, and which are costs of notary fees provided by the same CCN:

1) Renegotiated

IT CAN CHANGE

• type of rate
• measurement rate
• duration

IT CAN NOT CHANGE

• sum borrowed on the rise
• bank

COST

• bank: NO
• substitute tax: NO
• Interest deductibility: If you are due on the original mortgage
• deed quite possible, and, in the case with very low parcel

2) LOAN OF SUBROGATION

IT CAN RE-EDIT

• type of rate
• measurement rate
• duration
• bank (change required)

IT CAN NOT CHANGE

• sum borrowed on the rise

COST

• bank: NO
• substitute tax: NO
• Interest deductibility: If you are due on the original mortgage
• deed including the new loan (bill included), the only true statement of subrogation of the mortgage (very low parcel)

3) REPLACEMENT OF LOAN (He closes the old mortgage and if they turn on a new one)

IT CAN CHANGE

• type of rate
• measurement rate
• duration
• the sum borrowed, also on the rise
• bank

COST

• can the bank having to pay the original penalty of extinction, reduced according to the agreements dictated by ABI
• may be necessary to delete the old mortgage
• bank fees for starting the new loan
• substitute tax: YES
• Interest deductibility: If you are due on the original mortgage, but still limited amount of the loan original than similar expenditure.
• deed necessary, with the lot equal to that of a new practice

Tags : loans