Commission Income

Product of the situation created by the indexed credits that affected the class average at the end of the last decade, established the foundations of the introduction system of housing and habitat, formed by a series of laws and regulations aimed at obtaining financing for the purchase of main dwelling in conditions favourable to families with limited economic resources. This is how he was approved the law governing of housing and Habitat, which establishes guidelines for housing policy in Venezuela. That legal instrument envisages a series of measures that establishes the basis for the creation of a system of housing policy for the acquisition, expansion, remodeling and self-construction of dwellings of social interest. The users of the system will contribute with their contributions, as well as the employer and the State. Laws in the field of housing policy aspects arise in mortgage credit rating: fee financial to pay monthly: users of the housing system be allocated between 20 and 30 percent of their income to pay the mortgage according to the following monthly income scale fee up to Bs.

2800 20% from Bs. 2800 to Bs. 5474 25% from Bs. 5474 to 7000 Bs. 30% families who obtain revenues exceeding 7000 Bs., may access the system of housing policy, allocating a percentage of their credit portfolio Bank to finance these sectors. Interest rate: in terms of the interest rate, sets the standard of housing policy maximum buffers taking into account household income according to the following scale: income monthly interest up to Bs. 2800 4.66% from Bs.

2800 to Bs. 5474 6.61% from Bs. 5474 to Bs. 7000 8.55% maximum repayment term of the loan: the maximum time to pay off the mortgage is 30 years. To provide maximum value: taking into account the purchase price or market value, the lowest, may finance up to 100% of the purchase of the home. Expenditure: Expenditure credit operation, which generates It is stipulated in the following manner: expenditure on insurance premium: 1.43% of the granted loan. Banking Commission expenses: 0.5% of the assessed valuation of the property mortgage loan: according to the rate of the company providing the service. Registration rights: are exempted from the payment of registration fees, taxes, salaries, tariffs, fees or contributions. In terms of contributions to the Fund of compulsory saving for housing (faov), the legal instrument establishes that workers contribute one percent of their income, and the employer will contribute with two percent. In terms of the maximum of the mortgage loan that can obtain a family having as income Bs. 7000, the housing policy Act establishes as which stops an amount of Bs. 271.858,80 with current prices of housing by effect of inflation, seem to be insufficient for a family that doesn’t have savings earmarked for the acquisition of housing with the resources of the housing policy Act. Is currently in the National Assembly, a draft law in the field of housing policy which establishes in one of its paragraphs the increase of the contributions to the mandatory housing savings fund, as well as the increase in maximum of mortgage loan, which would give solution to families who don’t have enough savings to cope with the purchase of your main home. It is advisable to indicate that the housing deficit requires a clear and coherent law on housing policy that is engine of the economy.

Network Marketing System

What to do when you are with other distributors in your MLM company and told them the possibilities of Internet? Surely you assaulted in unison and they told you that you were losing focus, that that is not good, that has been tried many times, and so do not develop marketing networks, etc. They totally ignore Network Marketing on-line. Valued Tu Tu time time is valuable, so if for them the knowledge you want them to share, are not valuable for the development of their multilevel business, they can simply do not benefit from them. So no more to do, they are not ready for the Network Marketing On-line or Branding Personal. If they don’t have the same concerns as you about the evolution of the industry and how to obtain success in the network marketing, you can leave it up there.

Otherwise you’d be wasting your time. When they see that something must be done if they agree with you that something must be done, then you can offer at the moment with the question what are proposing? and this will allow you to understand a little more what’s happening in the industry with the traditional networkers. At the same time, you’ve helped the conversation to take a more productive course, already not giving solutions but pointing to a problem. Now you can continue your way, despite what you think, focused, because you are aware of the changes that are occurring in the industry and would like to be there to take advantage of these opportunities in the development of your plan. Changes are those who are, and who the benefit will be the results. Until the next article.

Structural Wood

Antiseptic – a key means of protection of wood. Logs and planks of wood freshly cut – an excellent environment for the spread of blue stain, which affects most of the construction of such material. Antiseptics for wood – created for the protection of such misfortunes. Wood protection from moisture penetration difficulties parasites and harmful bacteria in the logs and planks contribute substances contained in liquids and antiseptics – Biosecurity for the tree. Diluted in water, antiseptic, treats fully impregnate the wood substance, then it has excellent protection from blue for up to 7 months (depending on the brand and manufacturer).

Before you process the material substance, it must be carefully examined. If traces of pests, this is the place to immediately handle the specialized staff, which is directed against beetles. The construction can begin only after the examination boards and logs. But protection of the material does not stop there. To handle absolutely all the wooden structures, ladders, doors, window sills.

Part of the building located in the vicinity of the soil or in soil, yield the greatest adverse effects. For this kind of wooden parts must use the most persistent antiseptic. Protecting wood from the fire when all the elements building protected from moisture, it is necessary to think about protection from fire. Mostly a nightmare for the owners of the houses is a fire, as a matter of minutes burns that kopilos and built for years, and has been put in a lot of money. Protection of wood to be used in the construction of the building, must necessarily involve the processing of flame retardants. For material that is under the greatest exposure to high temperatures used fire wood impregnation with the highest level of protection. For the remaining logs and planks will fit the usual way. Protective and decorative wood processing wood protection coatings performed different types, which may have additional fire and Bioprotective function. The shape of the structure can be changed by means of protective and decorative. It all depends on your imagination, can turn into a pine nut, oak or beech. Any such structure, creating on the surface of wood, water-repellent film, the protection of the tree increases, the negative factors of the climatic conditions are reduced. Another use of these compounds increases the resistance solar radiation and protects against severe temperature changes. In that case, if the tree is the main material for construction, agents for its treatment should be as environmentally friendly. Otherwise you'll spoil very high ecological wood. For staining, can also cause even a careful treatment of the material. To eliminate such stains, use special compounds that have the ability to brighten or darken the wood. About medicinal substances that reduce the area of damage of the material – and do not forget.