Month: January 2019

Prima en función de un préstamo

Se paga una prima, similar a la de un seguro de coche o de vida, en función del crédito solicitado.

Uno de cada cuatro españoles paga actualmente una hipoteca para comprarse un piso. Una pesada carga en forma de letra que deben satisfacer cada mes o trimestre.

Con la subida de las cifras del paro en los últimos meses y el aumento de la morosidad bancaria, varias entidades financieras han creado los llamados seguros de amortización.

Su mecánica es sencilla: se paga una prima, similar a la de un seguro de coche o seguros de vida, en función del crédito que se haya solicitado con este CreditoVictoria.

En caso de que el cliente pierda su empleo, con este seguro podrá pagar durante varios meses las letras de su hipoteca sin que el banco le embargue ni pase a engrosar la lista de registros de morosos financieros.

Esta entidad también ofrece la ventaja de poder aplazar, sin costo alguno, dos cuotas mensuales del crédito hipotecario por año con un límite de diez cuotas a lo largo de toda la vida de la hipoteca.

Antes de firmar su contrato de hipoteca, pregunte a su banco o caja habitual si disponen de este tipo de seguros y solicite por escrito, no sólo de palabra, su costo y los servicios que ofrece. Asegúrese de que el pago del seguro puede hacerlo en varios meses y no de una sola vez.

Compruebe también que la entidad no le exige haber trabajado o estar cotizando durante un número determinado de meses antes de firmar el préstamo.

Debe quedar claro el límite temporal de meses que el seguro cubrirá el pago de la hipoteca, y si son continuos o alternos.

Asimismo, es conveniente preguntar si existe algún tipo de límite a lo largo de la vida de la hipoteca.

Al cubrir este tipo de seguros también el fallecimiento y la incapacidad absoluta del cliente que firma el crédito, hay que asegurarse de que no existe ningún tipo de excepciones ni en edades ni en las causas de muerte o enfermedad.

Are you looking for a reliable plumber?

To have a good hydraulic service it is necessary to choose serious, authorized and available professionals at competitive prices, with good work and safety references, able to offer the client only the best of the best. Here are the tips to help you choose your trusted plumber.

Plumbing services:

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A typical example is the hydraulic one: water, like electricity, is not easy to manage if you do not know how and where to act.

By asking for help from the company staff, an online home service platform, you will be sure that you are not in any kind of risk by calculating that the hydraulic services offered are significant.

An example?

The assembly of a shower cubicle or simply the plate, the assembly of the water heater or even the installation of solar thermal panels that will allow you to have hot water with considerable savings on your bills .

As you can understand, the company has available plumbers who are really good at whom nothing will be impossible.

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  • The company, thanks to the staff of the Company, is active in the cities, so as to be able to satisfy the requests of customers in this wide geographical area.
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Plumbing services: How to choose a good plumber? sink kitchen plumbing technical wrench screwdriver tools The customer will be free to evaluate if and when to make the requested operator intervene, who will deal specifically and professionally with what to do.