The Bridge Loan

The time that currently takes to sell a House on property in Spain has grown considerably. According to some industry experts, a House that goes on sale today will need between 4 and 6 months to find a buyer. This lengthening of deadlines makes it difficult to people who want to buy a property and have not even sold his old House. The bridge loan solves this problem. It is a credit that financed the purchase of a newly built house before selling ancient, oriented, above all for those sellers who do not have enough time to sell your property in the best conditions and need financing to cover certain expenses arising from the purchase of a home on plane, such as booking or signing the deed. This type of loan, therefore, emerges as a possible solution to carry out two operations, purchase and sale, simultaneously.

The client requests a personal loan, with a fixed term, which will end at the time that the loan be formed mortgage housing on plane. This client must commit itself to cancel this personal loan in a maximum period, which usually oscillates the 12 months, with got money from the sale of your old home. The person concerned also have to take into account a number of interests, higher than those for a traditional mortgage, hovering around 6% and 8%, in addition to opening, management and cancellation costs. The reason for such high interest rates is related to the very nature of the credit and its degree of uncertainty, since the formalization of the new mortgage depends on the sale of the old House. La Caixa, for example, is one of the banks that currently offers this product. It is the House mortgage House x. With this mortgage you can now buy a new home without having to sell the current in a hurry, because we finance up to 80% of the value of the new House and, in addition, we provide up to 80% of the value of your current home, you can read on the website of La Caixa. Unlike other type loan, bridge loan allows negotiations more open, since the maximum capital until the nominal interest rate, the differential or the maximum term and lack. Regarding the documentation that must be submitted, the Bank usually ask for a photocopy of the DNI, last income, payroll, an employment contract, the contract of sale and a simple note of the property record that finds that housing supplied as collateral this writing on behalf of the person concerned.

Prime Minister Benjamin Netanyahu

Israel reported no casualties or injured, but Syrian television speaks of, at least a dozen dead and more than 225 demonstrators wounded. Hundreds of people gathered at the border in commemoration of the Naksa, the Arab defeat in the 1967 six-day war. Netanyahu instructed security forces to act with the necessary firmness to a massive influx of demonstrators. The israeli army opened fire on dozens of protesters in Syria who tried to enter territory controlled by Israel on the Golan Heights, a military spokesman confirmed. Despite the numerous verbal warnings and firing into the air, dozens of Syrians continued arriving at the border and the israeli army forces had no choice but to shoot at the feet of demonstrators to deter other actions, noted the spokesman. The army Office of information not reported by the time of the existence of fatalities or injuries, although the Syrian State television announced the death of 13 demonstrators and that other 225 were injured by Israeli gunfire. Celebration of the Naksa hundreds of people gathered this morning in the so-called hill of shouts, next to the Druze village of Majdal Shams, in commemoration of the Naksa, defeat Arab in the 1967 six-day war.

Numerous ctive of the israeli army are stationed in the border area, with an advance team of snipers who have prevented the protesters cross into no man’s land. Al Jazeera television images showed dozens of protesters with Palestinian and Syrian flags over the same fence and 200 metres to hundreds of people, they shout the Golan is Arab or Viva Bashar Al-Assad. Events during the israeli army Palestinian Nakba, which is in State of alert, has strengthened its ctive along its borders to avoid a repetition of the events of last May 15, when about 180 protesters entered its territory during the Palestinian commemoration of the Nakba (catastrophe in Arabic, date in which recall the creation in 1948 of the State of Israel). Fifteen people were killed on that day, ten of them in the border with Lebanon, four in the Golan and another on the northern border of the Gaza Strip. Propalestinos groups had called similar acts for this Sunday, but the Palestinian nationalist movement Fatah in the Lebanon ended the call at the last minute out of respect for the wishes of the Beirut Government and replaced the marches to the border by demonstrations in Palestinian refugee camps. Also have been convened in the West Bank, which will depart from the Centre of the cities of Ramallah, Bethlehem and Tulkarem to March towards checkpoints Israeli military, and demonstrations in the Gaza Strip. At the military checkpoint of Kalandia, close to Ramallah, about 150 Palestinians have gathered even though there have been no clashes with Israeli soldiers. Israeli Prime Minister Benjamin Netanyahu said this week have been given to the security forces clear instructions to act with restraint, but firmly enough before a massive arrival possible protesters. Source of the news: the israeli army opened fire against demonstrators in the Golan Heights, on the border with Syria

Production Systems

The Elimination of the Lean Manufacturing moults has identified 7 waste or moults. The Lean Manufacturing building can only be developed if its base is constructed first. Without using a very flexible and modular system that allows the removal of the seedlings and the implementation of Kaizen skills at the factory, it is impossible to foresee the later stages of the Lean Manufacturing which are the standardization of the work, the sequencing (Heijunka) and, later, the JIT and the JIDOKA. The systematic use of tubular systems acts as a catalyst for the policy of reducing waste and as a tool for implementation of Kaizen attitudes, continuous improvement. The Muda of treatment using small boxes of front provisioning allows you to reduce the length of the line, source of saving overhead costs and reducing costs and driving times. The moult of the rejections rejections generate costs and loss of time for the company, require the implementation of a system of touch-ups particularly unproductive.

Rid of waste is even more expensive. The disposal of waste passes do not generate them. Which means that it should create an environment and an adapted ergonomics: parts and tools in place, within the immediate reach of the operations. This reduces the risks of strokes, falls and manufacturing defects. Structures with tubular systems custom design allows a limitation of the volume of generated waste and natural and evolutionary management of residual waste. The moult of displacement displacement and useless movements at the workplace do not create any added value.

On the contrary, they increase the difficulties of the work and consume space. Tubular systems, modular architecture allows the configuration of jobs that enable the taking of parts as closely as possible in the hands of the operator. This helps reduce the non value added generated by useless movements. Increases operator productivity, decrease the difficulties of work: the operator activity focuses on productive tasks.

Perspectives Optimistic

The event has been jointly organized by the publishing group Cesine, magazines Emprendedores and meters2 and the Spanish Association of Franquiciadores.La day was held at the Hotel Melia Galgos in Madrid and was structured in two round tables: the first there was talk of new services and trends of the franchise and the second were exposed to some of the concepts of business more attractive and consolidated no + hairGrupo VIPS and Marco Aldany.Muchos of the responsible of the most important Spanish flags were given appointment at this meeting, as well as future entrepreneurs and investors. Both came to the conclusion that we are currently at a good time for anyone who wants to be part of the world of the franchise.And it is that analyzing data in 2010, exhibited at this meeting, a clear upward trend in openings (3,000 new ones this year) and billing, but will grow just 1%. Investment and employment have also experienced a slight growth. and what the trends in the sector for the coming year of 2011? It seems that you walking towards a progressive strength, according to the statistics: it will increase the demand for franchises, but they warn that such strength will perform are selling to the right people; in this way the management will be effective and will achieve the expected objectives of profitability.Finally mention that during the meeting spoke responsible for some of the most representative ensigns, including Gema Olavarrienta, Director of development of No + hair. Also showed optimistic at least as regards its activity, ensuring that it is constantly growing and our services are in high demand in part by reduced investment, easy management and the high profitability of the business.You can consult the guide of franchises to have greater repertoire of franchises in Spain. News, articles, interviews with franchises, new franchises, franchise Guide, all the news in the world of the franchise you can consult it in directory of franchises.

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