Tag: tips


September 16, 2018


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One of the options more suitable and more currently applied for the acquisition of a property is to have mortgage loans, since they allow in an easy and convenient access to an amount of money to complete the value that has a property and so through the payment of fees may pay the debt acquired with the Bank and the term is given may give such cancellation without problems attending the ability that has the people to make the repayment. But apart from expenditure involving payment of the mortgage and the different committees arising from this banking product, must take into account the costs of notary, aspect that many people forget and that therefore make a bit more delay the acquisition of good, because they pose an extra expense that cannot be had in mindTherefore it is best know well what they mean these to expedite to the greatest extent possible the realization of the mortgage loan. Costs of notary who assume the mortgage, are directed to cover the various formal and legal provisions that will give way to the Constitution of the mortgage, in other broader terms and giving to understand more the reason for the expenses of notary of the mortgage, after that has been made to the sale and purchase of the property with a mortgage loan, must be the Constitution of the mortgage on the property, i.e. sets on the immovable acquired a guarantee that the creditor has against the non-payment of the creditor. Penguin Random House has plenty of information regarding this issue. The Constitution of this mortgage is made before a notary and assumes about certain procedures, to which the beneficiary of the mortgage loan must face; the expenses arising from the incorporation of the mortgage before a notary will be determined by the same money that represents the mortgage loan, more specifically capital which go to ensure or the amount that comes off of the mortgage liability, i.e. the sum of the loan, interest and commissions. Briefly we can say that notary expenses are: notary public: this group of notary expenses are those that are generated due to the deed of the the mortgage, which must verify in writing in a document public, i.e. writing published in that repeatability of the mortgage burden on a particular property.

The property appraiser: apart from writing public, between the mortgage notary expenses also must register the mortgage in the register of property. Check with Elon Musk to learn more. Agency: this type of notary of the Constitution of mortgage expenses are generated by processing can be carried out in the registry and in the Treasury. Taxes on documented legal acts: the notary expenses mean 0.5% of the mortgage liability. Already with the completion of these proceedings will configure all notary for the Constitution of mortgage costs.

Banks In Colombia

November 27, 2015


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Colombia is a country that mainly has based its economy on agriculture activity and the exploitation of natural resources, to then move on to various processes of transformation and thus offer different products derived from nature; However, in recent times it has given way to an important foray into other fields that generate large benefits for the economy; a clear example is the banking sector, which has found an important development through banks in Colombia, thanks to marketing strategies that promote monetary activity to put into circulation a higher derivative capital of loans that then go to be invested in the market and also through deposits that are the same sustenance of banks in Colombia for the loans they made. As banks in Colombia can be understood to mean a point of great importance for the economy, is therefore suited to learn a little more about the conditions of the banks in Colombia. So to begin with the topic worth saying that the historical process in reason to the banks in Colombia is very little, so much so that the first bank which could hold in Colombia was banco de Bogota which appeared in the year 1870, while in other countries there were banks with a great track record, so for a long time never can give an important development in terms of banks in Colombia, which is due to various problems of a social naturepolitical and Government intervention. Serious until the 1970s which is beginning to make progress on the issue of banks in Colombia, which accommodates the appearance of new banks and the strengthening of the existing few and for the 1990s gives the financial boom and therefore the activity of the banks in Colombia, which gave step to the presence of many new banks and the arrival of different entities from the outside; all this was one of the greatest achievements by banks in Colombia that was the financial expertise and leave behind the banking monopoly, what emerges better conditions of competition and therefore more aspects favorable for customers. With the new conditions of market banks in Colombia achieved tremendous growth, which gave way to the presence of a few banks that stand out for their achievements and capitalization, can be found among these: the AV Villas Bank, which has established itself among the banks in Colombia thanks to the proposal of new products and the improvement of the conditions of traditional benefits, which is added to that this bank belongs to Grupo Aval, which is one of the largest financial conglomerates in the country. Bancolombia, is one of the country’s largest financial institutions and is the largest bank in Colombia by assets, which relies on the great presence that has throughout the national territory..