Tag: associations

Spanish Mortgage Association

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M.M. / agencies the eviction is the last step of a process in which many Spaniards who can’t pay their mortgage are immersed. Associations of users, collective social and even the Ombudsman have spent years proposing measures that avoid these situations. In United States is provided for payment in kind; in Greece there is a moratorium until 2013; in United Kingdom, families are declared bankrupt. The drama of foreclosures hits Spain as never before. It is not a problem exclusive to our country, but its severity demands urgent action. At the end of 2011, the Association of people affected by foreclosures and auctions (AFES) calculated that by 2015 will have executed more than 700,000 evictions, corresponding to four million mortgages signed between 2004 and 2008.

Only in the first quarter of 2012, according to the CGPJ, conducted 18.424 evictions, 517 per day; Since 2007, according to the Spanish Mortgage Association (AHE), total 395,000. The first step to the eviction is foreclosure. In 2011, there were 77.854 executions and 58.241 evictions; Currently, some 135,000 families would be immersed in a process of foreclosure; 6.63% of the unemployed, moreover, was affected by the home of one of these processes since the start of the crisis until the end of 2011, explains AHE. The steps until an embargo or eviction are, says AFES: economic difficulties, mulberry, pre-foreclosure, foreclosure, auction of the property and release (when there is notification of the Court). Adicae (Association of users of banks and savings banks), the 15-M, parties like United Left or UPyD, the Ombudsman, the legal profession and other so many political and social actors have submitted several proposals to avoid such situations in recent years. Alternatives to circumvent foreclosures and corresponding evictions of families, in this way, can be passed by: sale of property is, obviously, one of the resources available to the user who begins to have problems.

Liquidity

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Once you have thought how to make better use of the money. This humanly is not an impossible task if indeed you have. The first step is to consider your main source of income, which should be adjusted to a planning and control system. As any goal you need to put hands to work and for that you should use mechanisms, which will serve media to support decisions. The objective will not be possible without tools. By its current nature money flows quickly in short periods of time and without providing details on their use.

At home with food, mortgage, basic services, medical expenses, transportation, dress, the oceo and others, form a set of daily flows in which we normally do not use any tool probe measuring the solvency on such flows. In such a case we rely only on the fact that the money has been consumed without managing your liquid capacity. This represents individually a lack which sharpens more ignorance of insolvency. As a priority to optimize the use of the money at home, you need to use a tool for daily posting of flows of expenses that will serve as the basis for analysis, planning and control of liquidity. Thus, the level of solvency and monthly liquidity will have a polling process to know that types of expenditure is necessary that you provide income and how much you can assign to hold a sustainable savings plan that will generate future liquidity.

The ideal method should consist as planning and controlling revenues and follow a sustainable savings plan. In this sense the human factor (decision and intelligence) is the resource to search for positive changes. To use the human factor as a resource in the search for positive changes test here.