May 31, 2019

How Do You Calculate Your Maximum Mortgage?

  This is a question that many people struggle with. In the past it was easy: In most families the man was employed and the woman could stay home with the children. From the man’s income many families could get a mortgage with which they could buy a house with a garden. But, times have changed. Single earners do not always have to knock at the bank when they have a house in mind and need a mortgage. You hear more and more that people keep on renting, simply because they can not get a mortgage that matches their housing needs. But how much mortgage can you get? What options…

May 31, 2019

Interest Rate of a Fixed-Rate Mortgage

We hear more and more often talk about spreads : but it is not always clear to everyone what its meaning is . And, above all, sometimes it can escape the reason why it has become so important to the point of conditioning the economic choices and political destinies of an entire nation. To fully understand the meaning of the spread and its reasons is therefore an important first step in order to assess whether there really are any imposing clouds on the horizon for our economy and to understand whether, behind the countless statements of politicians in this period, there are always serious reasons or the usual attempts to…

May 11, 2019

The Tax Breaks On Mortgages } Debts

  Tax concessions on mortgages   In this page of our guide to home loans we will talk about the main tax breaks on mortgages provided by our legislation. The mortgage is a financial instrument that has a strong social value as it is often used by families for the purchase of the house in which they will live. For this reason, the legislator provides a series of particularly advantageous benefits especially in the case where the purpose of the loan has precisely that social value mentioned above. We can distinguish between two main types of benefits. – Tax relief on the mortgage contract; – Tax deductions . Let’s look…

May 9, 2019

Borrow Money for a House | House Loans

  Although some people prefer renting a house to buying a house, for example because they do not want to accept the obligation or because they do not yet know exactly what they want, many people still cherish the dream of eventually buying their own house. But is it always feasible? How much can you borrow for a house and can you buy the house of your dreams? You will receive general information about borrowing for a house and we will give you a number of practical examples. How much can you borrow for a house?   On this website you can read how you get to know what maximum…

May 5, 2019

The Variable Rate Mortgage with Constant Installment} Credit Loan

  In order to favor the choice of the type of loan most suited to the needs of its customers, as is well known, in recent years banks have begun to propose solutions that go beyond the eternal dilemma between fixed and variable rates. Thus other forms of mortgage were born, with a mixed rate or variable with a constant cap or installment . These solutions are proposed by highlighting the opportunity to grasp the typical advantages of both the variable rate (savings and opportunities to be seized in the event of falling rates) and the fixed (security in the event of market turbulence and rising rates). But it is…

May 2, 2019

What Is Employee Savings? Savings and Profit Sharing

    It is simply a savings provided by certain companies to their employees. Its functioning is based on the participation and the profit-sharing established by the State.   Salary savings and participation     Companies with 50 or more employees are directly involved because participation is mandatory in this type of structure. Participation involves involving employees of the company within the company in order to increase productivity against a return in the form of employee savings. The contribution collected is considered as an income so taxable, it can be recovered by any employee within a period of 15 days. It is quite possible to leave this savings aside and…