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Month: July 2019

Is the mortgage credit rate you pay too high? Here we tell you why

Is the mortgage credit rate you pay too high? Here we tell you why

  Many people question why they have a “high” mortgage credit rate, evaluate their interest rates with the ones from friends and family and find no description for such a difference. To put it briefly, this is due in the first place towards the direct relationship that is present between the interest rate and the danger that the financial entity indicates to lend the money in order to each person. Home loan credit rate – danger ratio When trying to…

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Everything that does NOT affect your credit history. Did you know?

Everything that does NOT affect your credit history. Did you know?

Building a favorable credit history will help you get closer to more and better loans and credits. But not all the financial activities you do positively affect how banks see you. There are some things that are not even recorded for registration. Know what they are and if you are using them, change your strategy! The amount of money you receive Why do you think the credit history is generated beyond your monthly income? Because your income is not in…

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Banks – Is It Worth It Put The Money In There?

Banks – Is It Worth It Put The Money In There?

Amazingly, even after we have been through one of the biggest crises in the national economy, the level of savings of the Portuguese is among the lowest recorded. How to interpret this? There has been more consumption than income, and this increase in consumption is largely supported by indebtedness (we have levels of consumer credit similar to 2008). Some people argue that now it is not worth putting the money in the banks, because the Best Time Deposits (DPs) are…

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Can I deduct health insurance on the income statement?

Can I deduct health insurance on the income statement?

If you want to know in which cases you can deduct your health insurance in the income statement, in this article we will explain it to you. To start, we must consider who can deduct the insurance and in what cases. And it is not the same as a freelancer as a salaried for tax purposes. These are the cases in which both may deduct health insurance in the personal income tax: Self-employed or self-employed people who hire one for…

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Apocalypse (mortgage) Now

Apocalypse (mortgage) Now

This title and the background of the entrance have been going through my mind for a while; I was missing the form. The contest of creditors of the real estate Nozar has given me the excuse and the Spartan-caciquil attitude of many banks in their risk analysis for the granting of mortgages has been the stimulant. Never in my relatively long professional life in the banking world had I seen what is being seen now. Look that I have been…

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