The Provincial Council of Cáceres studied a loan of about 20 million euros for employment generation plans

The Diputación de Cáceres is studying to request a special credit, of between 15 and 20 million euros, complementary to the general budget, to develop territorial plans to generate employment to combat depopulation in the rural world. Although this investment could be made without resorting to a loan, since there is enough money in the provincial coffers, this system will be used because “national laws prevent the use of these funds”.

“If necessary we will go to the loan and if there is a remnant and you can use that money, we will use it,” said the president of the provincial institution, Rosario Cordero, who explained that this money will be directed to measures against rural depopulation to take advantage of the resources of the regions, not only in the matter of tourism, but also in agriculture, livestock or services. “Everything has to be used for the generation of employment,” he said.

Cordero, who has taken stock with part of his government team in the Ecuador of the legislature, recalled that in these two years have reached “directly” to the municipalities of the province about 55 million euros, to which We must add repayable loans of 16 million, plus 12 million through the Social Employment Plan, which has been launched together with the Diputación de Badajoz and the Junta de Extremadura and another two million for other employment plans.

In economic matters, the president has indicated that the execution of the budget to the second quarter of this year “has increased”, although the exact figure is still unknown, it is known that last year reached 73 percent and it is expected to exceed that data.

The debt has also been settled and the budget has risen from 109 million in 2016 to 114 million in 2017, which is why, according to the president, “there is a good situation to be able to go for more loans” with the aim of implementing those projects that generate employment in rural areas and fix population to the territory. Among these projects would be to enhance the tourism resources of the districts, but also encourage the primary sector or infrastructure development such as improving the purification of wastewater, for example.

Taking advantage of the remnants and the health situation of their coffers, loans have been taken at zero interest for the local entities and for the mancomunidades- Colinmarshallradio. Also, through the Autonomous Agency for Tax Collection and Management (OARGT) has advanced 50% of the proceeds to the municipalities, as before it was delivered in February of the year following the liquidation and is now done in August of this year.

In the Human Resources Area, Cordero recalled that of the approximately 1,000 workers that the Cáceres province has, half of them are working and this means that “many of the employees can not assume positions of responsibility”, so he considers it “fundamental” to move forward in the civilization.

Thus, to the professional career that is already approved, it is necessary to unite the labor administration, the internal promotion, temporary employment exchanges and a public job offer to complete the process. “Everything through dialogue and the new relationships that have been established with the workers,” he said.



“We have also taken into account the local autonomy, decided by the municipalities the policies they want,” said the president who highlighted the implementation of the Active Plan, which has also been dedicated to current expenses or employment generation and not only to works in the municipalities, as was done before. These Active Plans have invested 36 million euros in two years, including the construction of regional roads such as Las Mestas, Granadilla or Santa Cruz de la Sierra.

In addition, “has become a more inclusive province,” said Cordero, who in his speech has indicated that municipal parks have been adapted so that by 2018 all municipalities will have “at least” a park adapted to children with reduced mobility or with psychomotor problems.

In the Area of Equality, the gender approach has been promoted in the calls for proposals and the Gender Transversal Commission has been promoted to promote equality plans in town halls.

“Culture for all” has also been a premise so far in the legislature, according to Cordero, since the budget has increased by 20 percent and all the municipalities have, throughout the year, some cultural activity that It comes through the different programs underway. Municipal libraries that were “closed” have also been opened and smaller municipalities that had difficulties to keep them active have been helped.

In Development and Sustainable Tourism, territorial plans have been carried out in the Villuercas-Ibores-Jara Geopark, the Monfragüe Biosphere Reserve, Torta del Casar Lands, Sierra de Gata Cultural Park, Sierra de Montánchez, Alagón, Las Hurdes or Trasierra – Granadilla

“The interpretation centers were closed and after the money invested, this important resource was not offered to visitors,” recalled the president, who stressed that 43 interpretation centers have been opened that have also helped to generate employment for trained young people.

In these two years has been launched the e-government in the municipalities of the province of fewer than 2,000 inhabitants and more people receive advice from the council of Caceres. Fiber optic will also arrive to “all” the town halls “starting with the youngest ones who are the ones who have more difficulties,” he said.

Likewise, European projects have been reactivated and four cooperation programs have been presented to the Interreg VA-Portugal Cross-Border Cooperation Program. In addition, it works together with the City of Plasencia to implement the Sustainable Urban Development Strategy (Edusi) that will favor twelve other municipalities.



Regarding other projects for the future, Cordero recalled that the financing of the construction of a new bridge over the river Sever to unite the towns of Cedillo and the Portuguese province of Nisa was rejected by Europe, but “they are still looking for solutions” to this issue, since the residents of these municipalities have to go around many kilometers to move to the other country since the bridge of the dam only opens on weekends.

Precisely, the president said that one of these solutions could be to strengthen the current bridge of the Cedillo reservoir, which belongs to Iberdrola, so that it could be used daily. For this, the Diputación de Cáceres “would be willing” to pay the costs of this work, according to Cordero, since he considers this infrastructure “necessary”.

“The ideal would be for Iberdrola to open the bridge every day and if it is necessary to reinforce the bridge that does it,” said the provincial official who explained that a new bridge would cost about 7 million euros but reinforce the current one for road and daily use would be less expensive, so it could be assumed by the provincial deputation itself.

In what remains of the legislature there are other projects in the air such as the reopening of the Francisco de Sande High School, open the small palace located in the Haza de la Concepción estate in Malpartida de Plasencia to give it a tourist advantage, or put it back on track the Hospedería de La Serrana in Piornal that “remains closed”. “We will do all this,” he concluded.

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No Faxing Instant Pay Day Loans: Give Relief From Cash-Notch

Every payday loan company can arrange their own fee schedule

Because of this, it is important to fully understand all of their charges and terms so that are certainly not any surprises at the end. This is an excellent practice to get into. Even though every lender can set their very own fee schedule, they must remain within a certain range mentioned previously by law. This is to protect the customer as well as the lender.

How come? How does this happen? Well, probably, you are not heeding the basics associated with financial management. Maybe, you happen to be going overboard your expenses allowance – making a large number of international telephone calls, for instance: instant payday loans but you’ve allotted the most common minimum payment. A debt will truly register.

In addition, to be highlighted, loans that are provided towards the borrower in exchange for an established interest rate are known as payday loans or instant payday loans which are provided quickly.

Instant Payday Loans Are A Practical Solution and they are right for you if you merely have a small amount of cash for a short-term problem. Instant payday loans really should not be used to pay for more normal expenses such as mortgage, household goods or luxuries like clothing and sports equipment. Normal use of these types of loan needs to be limited and must be resorted to only in real crisis cases.

You will find different terms and conditions depending on the mortgage you wish to take

Normally to be able to qualify for no credit check payday loans you need to be a citizen of the country. There are some organizations that require people with experience of at least 3 months. When you apply for this type of mortgage, it gets approved within much lesser time. Therefore, you do not have to wait for long to get it approved. You can even visit payday loan stores to select from the different types of loans. Since there is no time for people to see such stores, so they consider the help of the Internet. Therefore, there are different norms based on different organizations.

The easy and online application procedure is quite helpful for borrowers with regards to availing of a loan within the minimum period. Even more, we offer this particular application facility round the clock to ensure that all borrowers can utilize with us whenever they want.

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The financial question: When will the annual lease worth

Recently cost loan with a ten-year fixed interest rate only 4 percent per year. These beautiful days are over. That bargain hunter No wonder open to alternatives. And there is.

The great time in the ten-year loans with fixed interest rates only cost 4 percent per year, is over. Today at least 5 percent must be placed on the table for such mortgages each year. These are in a credit of 100,000 euros, which will be repaid over 30 years, monthly while only 59.40 Euro more, but it adds up over time to 21,384 euros, so it is no wonder that bargain hunters always a who listen to alternatives.

An interesting way to save the construction or purchase of a property, the ground lease can be. Here, investors are not owners but tenants of the property. You earn the right for a long time – often 99 years – to use the land. In return, they pay the owner the annual lease. He stood for decades in reputation, especially for families who have to count every penny to be an alternative to the mortgage. Therefore, many parties are working for the strengthening of the ground lease. But critics say that the ground lease was not so favorable. Sometimes it is even more expensive than the mortgage.

The truth lies here in the middle. The leasehold can be cheaper than a mortgage, but if the communities, churches, and foundations tuck in neatly at Erbbau, the benefits there. This is evident in the following example. A father is 35 years old and looking for a plot for the construction of their home. He offered two plots, which each cost 150,000 euros. The first property is offered for 99 years in the long lease, the second property is for sale. The annual ground rent is 4 percent of the land value, or 6,000 euros a year. Alternatively, it can take out a loan over 150,000 euros. For a nominal interest rate of 5 percent and a repayment of one percent per month 750 euros must be paid, and it takes about 36 years until the debts are removed.

When comparing the two offers, it is obvious to add the payments. When Erbbau 99 charges will apply à 6000 euros, makes 594,000 euros. When mortgage rates are 432 à 750 euros due so that together 324,000 euros. This is, at first sight, a difference of 270 000 euros. but on closer inspection, there are even 420,000 euros, because the property passes into the ownership of the investor purchase.

The addition of the numbers is certainly dangerous because of money and time will be misjudged because of the lack of interest. In the present case, it is questionable as to compare maturities of 99 and 36 years. Similarly, it is problematic that different loads, here 6000 euros per year, there 750 Euros, to be treated equally. In order to get the thing under control, the term of the agreements must be adapted on the one hand, and on the other hand, the differences between the two payments should be remunerated.

The biggest problem is the term. The ground lease is granted 99 years, and the mortgage runs 36 years. In practice, the investor will coincide with the two terms on the abdomen. The leasehold is about the death of the investor out, and the repayment period of the mortgage may be too short. The most viable compromise is most likely the personal life of the house. These are in this case probably 50 years if the investor wants to live in the house until death.

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Loans: Building and loan KfW transactions are too colorful

The development bank KfW has a powerful position in banking. The competition is silent so far. But now it is the home loan too much and they come out of hiding.

E in young parents and three children shine in the camera because their houses with the help of a loan from the KfW have rehabilitated. This is the advertising message that can broadcast on major television stations, the state development bank for about a year. So far, this self-promotion of a bank that can even forgive any construction loans directly to the citizens, nor caused no public displeasure in the banking stock. Although the KfW thus setting all consultants of credit institutions locally indirectly under pressure to incorporate the KfW loans in the housing finance with, private banks and savings banks (sitting sometimes even on the board of state-owned development bank), the media offensive accepted tacitly.

The private building societies, however, the business of KfW and their increased self-promotion too much but will now. “A state-owned development bank is needed without a doubt and will have to assume certain responsibilities,” says Andreas Zehnder, CEO of the Association of Building Societies, in an interview with the Frankfurter Allgemeine Zeitung. “But the KfW makes increasingly wide there where there is no market failure, such as in housing,” he complained. That is not the job of those hedged by the state institution takes for himself to complete, primarily “to be substitutive active” – any more than television advertising. “For us, everything is no longer comprehensible,” says Zehnder.

The criticism of the Association chiefs aimed at a very specific part of KfW’s work: the housing allowances. A total of 15.6 billion euros was enough for new loans for these purposes, last year’s development bank. In absolute terms, this sum was later (in 2010 were there 18 billion euros), but measured against the total domestic KfW delivery, the housing allowances will become a share of 30 percent. “This is worryingly high, in 2000 the figure was only 18 percent,” says Zehnder.

And it did not go to building societies around the entire activities of KfW in this field. That a development bank that support politically motivated energy-efficient renovation and remodeling of older homes, was in order. Rather, it is those funds that flow into the classic Ownership Program – nearly 5 billion euros in 2013. Because these KfW loan can reach up to 50 € 000 per applicant, if they were in direct competition for building savings, Zehnder admits frankly. “There is also a large part of our business takes place about 30 to 40 percent. That hurts us, “he says. “We would like to see a commitment by the KfW to hold back on this field.”

In the development bank to confirm the numbers, but has a different look. On the one hand, the proportion of classical promotion of home ownership had fallen steadily, from 7.5 billion Euros in 2003 to last another 4.5 billion euros. Secondly, the KfW fill them with their housing allowances, the political will of the federal government. Energy-efficient construction and renovation belong just as important as the promotion of home ownership, “which contributes to capital formation and private pension,” it says. In addition, in 2011 and 2013 bullet variants were introduced into the KfW Housing loans “to ensure better compatibility with the loan products.” Although the voice, it is said of the private building societies, but not alter “the general competitive disadvantage compared to the State Bank KfW”.

That the development bank may rely in their actions on a government contract, the building societies are aware of – which is why Zehnder sees his criticism also an indication for the policy. In the coalition agreement of 2009 have not been explicit that KfW is due to their original business purpose, such a requirement missing unfortunately in the current paper, he says. Live better with the powerful development bank, building societies could also, if the federal government is, as before, an increase in the rate of home ownership would write (now 43 percent) on the flags, he adds. “Then all the forces would be required.”

That the private building societies now attack the first the strong position of KfW, amazed at first glance. Because Wüstenrot, Schwäbisch Hall & Co. celebrated a record year in 2013, the number of new contracts increased by 8.5 percent to nearly 2.3 million units and the associated savings target by 7 percent to a maximum value of 70.1 billion euros. In the ranking of housing finance, the (private and public) building societies take second place behind the clear leading savings banks with a market share of 21 percent. But 2013 was “an exceptional year”, says the association.

Meanwhile, her mood has deteriorated again, in particular, because of the generally low-interest rates. Once a year, the association asks the savings willingness of citizens, and in 2014 had fallen to its lowest level since the survey in 1997 their savings pleasure, it said. To suspect that the building society in 2014 is noticeably lag behind the beautiful figures of the previous year is thus.

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