Two days ago you hablabámos from that the Government was studying several measurements that they were helping in this economic crisis and world financier, to encourage and to facilitate the access to the housing. One of them was to extend the term of the accounts housings from 4 to 6 years, but as all that glitters is not gold, what at first sight might be a good measurement, also had his black points: for the thifty person the loss of the fiscal advantages in these two years more, and for the promoters one more than possible paralyzation of the demand of housings in these two years.
Yesterday another possible measurement was known: to delay for two years the payment of 50 % of the quota of the mortgage whenever a few certain requisites are fulfilled. In this case, to be stopped or to be autonomous with familiar charges, which have had to close his business or which reduce his income in a stipulated quantity.
But again, everything is not a gold again what it re-shows. Or applying another saying: bread for today and famine for tomorrow. And the fact is that the cost of this palazar 50 % of the mortgage for two years can be enormous if the "beneficiary" with this subsidy species has not improved in this time his financial position. There is necessary to bear in mind that spent two years, the mortgaged one must return the deferred money more the corresponding interests, quantity that can be very big depending on the amount of the mortgage.
The quantity that is postponed must return in cash at the age of two if the economic situation has improved, more the interests corresponding to this time. Spent two years, if the mortgaged one continues with the same economic problems it will be able to postpone it up to a maximum of 10 years. For example, a postponement for 12.000 euros in 10 years would suppose a subsequent cost, case not to be able to return it immediately, of almost 3.500 euros to the current interest rate. Obviously, everything depends on the deferred quantity and of the time that is taken in returning the money.
It is not necessary to forget, therefore, and to bear it always in mind, that if we take refuge in this possibility, then, after two years, our debt will be major and it is possible that we turn out to be more asphyxiated.
Route: He was investing
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