Archive for the ‘Building a Home’ Category
There are many factors we take into account when choosing a home, but one of the primary, which incidentally do not usually consider is the possibility that in future there annoying noises that we do not allow adequate rest in our home. In this case, both the environment or neighborhood where the building is located, as the situation of the very elements of housing, may contain elements of risk we have to study acoustic calmly before launching into a transaction as binding as is the purchase of housing.
Noise
The first thing that always comes to mind when we talk about annoying noises are classic bars that stay open until the wee hours of the morning prevented our sleep, or the bars or restaurants that have terraces on the outside and remain under our windows. However, there are also businesses that we should run away and stop having them as neighbors. This applies to businesses that have old sliding doors, the bread bakeries often working in the early hours of the day, or businesses that require installation of hot / cold as butchers or fishmongers. And most recently, those premises are used as new Apostolic Churches and religions so given to ceremonies with singing. Of course, we must also avoid living in the vicinity of car parks by the continual entry and exit of vehicles, and therefore has to be borne noise.
But if this is the environment of the building, we must also look at the situation of our house and the items which may affect the silence inside the house.
Thus, it is often convenient to buy homes in the first floors to be more noisy than those of higher plants by the mere fact of being located, in most cases, commercial premises. The last plant, in turn, may encounter the problem of noise of the machinery of the building itself, such as the room elevators, so we must rely on the planes where they are elements. So is the water pressure groups that often raise the level of noise in the vicinity of its facilities, as well as the downspout pipe. Can you imagine the hassle that would mean that one of the downspouts go through the wall of one of the bedrooms? Can you imagine every time the upstairs neighbor pull the tank?
Another element to consider is the situation of the bedrooms, as this will be our special place of rest. Generally, it is best that the bedrooms do not give into the street, especially if it has a high traffic dde. In the case of housing estates it is best to look to the gardens, but on the other hand, we would caution people not to fall near the tennis court or pool, because children generally tend to raise much noise.
As you will see many details that must be taken into account when, not only to choose the neighborhood, but also housing within the building (ground and location), but given the price we pay, we must be sure that allow us to choose our rest. And if what it is to buy a resale property, no better proof than a few minutes shut yourselves up in one of the bedrooms and listen carefully to the different sounds. what you hear, multiplication day because if you are upset, imagine how can be at night.
Following today’s decision unanimously in the Senate, referring to the removal of soil clause included in mortgage contracts, Ausbanc wants to show publicly welcomed this initiative and that the clause, which prevents mortgage although lower than the Euribor do so, constitutes an abuse by the banks, which harms the economic interests of consumers. As published in various media, the Senate has already approved the deletion of the clause in mortgage land. This clause, which apparently existed since time immemorial, it has become fashionable since our dear Euribor has decided to take a vacation and lose miserably. Of course, this comes to them fatal banks, so they’ve had to resort to this clause that imposes a minimum at which the transactions are tied, no matter which reaches values.
I do not know what you think, anyway Congress has to approve it, but if it goes ahead it seems that banks will have to seek other tricks to gain right?
This type of clause provides that in the writings of some mortgages there is a paragraph which stated that although the Euribor lower and lower, the minimum rate to be applied shall be 2%, 3% or even 4.5%.
The block Senate urges the Government to remove the soil clause mortgage:
- The Upper House plenary session this morning approved a motion by the parliamentary group in which the Government claims the implementation of measures to prevent the abuse of some banks in the review of mortgage loans. The ground clause, which prevents down mortgages, has focused criticism from consumer associations in recent months.
- The initiative passed the Senate enforces amended text of the General Law for Protection of Consumers and Users (Royal Decree 1 / 2007 of 16 November), which provides for exclusion of unfair terms.
- It also calls for improving consumer protection in financial services proceeding to ask the Bank of Spain the development and referral within three months of a report on the existence of clauses in mortgage contracts that limit the rights of users , identified the lack of reciprocity and proportionality.
Institutions know that never reach the ceiling of 10% set their mortgage contracts, along fixing soils of 3% and 5%:
- In addition, claims to establish the effective translation of declines Euribor quoted at 1.247% – the share of mortgages, so that people look better when the Euribor contracts fall as the current rates.
- Senator the DB by Segovia, Francisco Javier Vazquez, was pleased to be able to reach an agreement that will benefit two of every three citizens who have mortgages, if the Government complies with the constitutional obligation to implement the mandates Parliament.
- During his speech, echoed consumer groups and users for months denouncing the existence of mortgage terms that prevent users benefit from as low as Euribor today, because many of the contracts signed in ceilings years contain 14% or 15%, that financial institutions know that will never be met, while the soils were between 3% and 5%.
A non-advertised
- The popular senator criticized that such clauses did not contain advertising of loan contracts and in many cases were not warned consumers, being able to have incurred a lack of transparency in the inclusion of clauses on the type of imitative interest “.
- Thus, the popular parliamentarian denounced the practice of some financial institutions, with at least dubious interpretations of legislation to protect consumers and users, prevent impact contract Euribor downs of mortgage loans.
- “These practices may be considered unfair within the banking sector, since its purpose is to prevent mortgage fees are reviewed in their entirety Euribor declines,” he said.
- Vazquez warned that such practices may violate the General Law for the Protection of consumers and users that establishes the exclusion of unfair contract terms.