Bikya Kukura

Usually used by small businesses to have greater liquidity in current accounts, in order to meet the expenditure requirements. Banks make a set of objective and subjective evaluations to determine the reliability of the customer and the concreteness of the guarantees offered. An important element for these purposes is the cash flow, i.e. the flow of resources generated by operating activities or the individual applicant. With the credit line the bank undertakes to make available to the applicant a sum of money or a bond guarantee on its behalf.

Unlike the loan in the sum made available to Fido customer need not be used in full and interest will be calculated only on the actually used.

Furthermore, the amount of the credit line is decided by the bank that takes the customer’s claim only as indicative figure but then gives money to his abilities adequate income and assets.

The credit line may be general, if it specifies the maximum amount available to the client, use in any business of your choice, or particular, when for all types of operations are disclosed separately the amount available.

The credit line can also be director, where the credit is used directly by the customer upon request or indirect, when the customer gives the bank its loans to third parties using the sum that the bank will collect later. As to the risk arising from the granting of bank credit exposures are divided into white or clear risk exposures, which are based only on the personal commitment offered by the applicant, and exposures at low risk, for which the bank can count on, well as on his debtor, even on the efforts of third parties.

Another distinction is between the credit line cash used by levying money and signing using trust through guarantees and bonds issued by the bank to third parties.

Finally, we must distinguish between trust banking facilities granted and actually used, on which interest payments are calculated.

The DL 112/2008 (art. 35) provides for the repeal under the third and fourth paragraphs to Article 6 and eighth paragraphs and of Article 15 of Decree 192/2005.

Because of these repeals are no longer provided nor the obligation to submit a certification of the certified energy translate acts for consideration (sales, estate sales fee), nor the obligation to deliver and / or provision of ‘energy performance certificate for the tenant if the lease, which until this requirement comes into effect this decree could result in the nullity of the contract.

All this does not mean that the seller of the building or the tenant assault are undertaking to ensure the efficiency and safety of facilities of the property you are selling or renting, it still remains the obligation of funds such certification
The requirement covers at the following buildings:

The new buildings: Those buildings constructed under a permit to construct or complaint login required or submitted after 8 November 2005;

• Totally renovated buildings: those buildings with an area of more than 1000 square meters. Which have the subject of major renovation under the permit to construct or DIA or request submitted after November 8, 2005;
• Subsidized buildings: the buildings on which they were executed by January 1, 2007 targeted at improving energy performance, for which you want to access the various facilities;
• Public buildings: that the buildings for which were entered into new contracts for the management wing of the thermal systems and air conditioning systems after July 1, 2007;
• The existing buildings: that the buildings that result in energy consumption, which apart from the time of reconstruction cannot be attributed to the premises referred to above items 1 – 2 – 3 – 4, less than 1,000 square meters of surface.

From 1 July 2009, the provisioning requirement will cover all buildings, the individual property units, regardless of construction period and the surface (taking into account that for existing buildings obligation arises only if a transfer for consideration).

The world of judicial auctions as we all know is frequented by large and small savers who are looking for honest Acuista convenient. Of Course not so pleasant to deal with a property, most often still inhabited by people defaulting in respect of their debts.

It is for this reason that proceeds with some caution, providing both secured creditors to debtors in a state of suffering.
Sales Institute judgment which is not merely the guardian of the property for auction is responsible to visit good to prospective buyers before the auction takes place.

Subsequently, the judge shall prepare, using the expertise of professionals in the field, staring at the real value of the property to be sold and resolved the possible opposition of the executive can proceed with the auction, which takes place in two ways with no charm or the charm.

The legal framework that distinguishes these two types of procedures varies widely, but in short selling without charm attached to the first sale, while sales to spell is nothing more than a second chance offer to sell well, but with more rules restrictive.

Surely senate is an opportunity to exploit the opportunity to apply for a mortgage bank or financial institution, no later than sixty days from the award of the property, taking advantage of the facilities stipulated between the court and the ABI.