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Mutui: surroga se no rinegoziazione?
Imbroccata del 22 ottobre 2015 della rubrica “I nostri soldi” nel corso di Telereggio. Sommo Guerrieri e Antonello Cattani fanno il limite della occasione sui tassi nel corso di zelo …
source mutui surroga
The post Mutui: surroga se no rinegoziazione? appeared first on Il tuo Mutuo prima casa finanziato al 100 per cento.
Source: http://mutui-online.info/mutui-surroga-se-no-rinegoziazione/
I mutui subprime
La fatto dei mutui subprime americani raccontata per mezzo di condotta sincero ed energico per un cartone brioso; tiro per una scappata nel corso di Report. source mutui subprime
The post I mutui subprime appeared first on Il tuo Mutuo prima casa finanziato al 100 per cento.
Source: http://mutui-online.info/i-mutui-subprime/
Le persone fanno la difformità – MutuiOnline
I consulenti MutuiOnline per sempre dei clienti attraverso assisterli ad qualunque tornare sui propri passi nella varietà del tipico scambievole e della relativa usanza. source mutui online
The post Le persone fanno la difformità – MutuiOnline appeared first on Il tuo Mutuo prima casa finanziato al 100 per cento.
Source: http://mutui-online.info/le-persone-fanno-la-difformita-mutuionline/
Mutui prima casa cancellati per il Terremoto
Terremoto: 20 milioni da Intesa San Paolo per cancellazione mutui prima casa
Da una notizia appresa da Federconsumatori informa che la banca Intesa San Paolo ha stanziato un fondo da 20 milioni di euro per la cancellazione dei mutui nelle zone colpite dal sisma del centro Italia.
“Una buona notizia finalmente giunge per le famiglie colpite dal sisma: Intesa San Paolo ha deciso di stanziare un plafond di 20 milioni di euro per la cancellazione dei mutui residenziali nelle zone colpite dal sisma del centro Italia.
La cancellazione del mutuo riguarderà le prime case , qualora si tratti di immobili crollati o inagibili al 100%.”
Scrive Federconsumatori:
“I criteri di selezione tra coloro che presenteranno domanda faranno riferimento alla situazione dell’immobile danneggiato ed alle condizioni del mutuatario: in tal senso sarà preso in considerazione l’indicatore Isee, nonché eventuali parametri quali handicap o invalidità, età avanzata, presenza di figli minori o disabili” prosegue l’associazione dei consumatori.
“È possibile presentare domanda dal 26 giugno al 29 settembre 2017 presso 100 filiali del gruppo bancario di Intesa San Paolo. Tale operazione prevede la cancellazione del debito residuo comprensivo di quota capitale e interessi – si conclude infine -, anche di mora.
Questa sicuramente è una misura importante, che rappresenta un significativo segnale di sostegno concreto alle popolazioni colpite dal sisma, che ancora attendono di uscire dall’incubo che li ha travolti.
“Bisogna passare da una logica assistenzialistica a una logica di sistema, che punti sulla ricostruzione dei centri abitati e dell’intero tessuto sociale ed economico. In tal senso chiediamo a tutti gli istituti bancari che operano nel territorio di dimostrare il proprio impegno nel sostenere e favorire la ripresa in queste aree.”
L'articolo Mutui prima casa cancellati per il Terremoto proviene da Il tuo Mutuo prima casa finanziato al 100 per cento.
Source: http://mutui-online.info/mutuo-giovani/prima-casa/agevolazioni/mutui-casa-cancellati-terremoto/
Mutui – Istat dice che c’è la ripresa del mattone
Mutui e Ripresa del mattone – L’istat lo certifica
Finalmente riparte il mercato immobiliare e i Mutui online. Secondo l’Istat abbiamo una Ripresa economica. I prezzi fermi a dieci anni fa e le agevolazioni messe in atto dal Governo stanno incentivando il comparto immobiliare e sortiscono i loro effetti che si traducono in numeri molto positivi a quanto sembra dalla una ricerca dell’Istat.
Anche l’Istat dopo il 18,9% di compravendite registrato nel 2016 dall’Agenzia delle Entrate, certifica la ripresa del mattone e rileva per lo stesso anno un valore molto simile, +17,0%.
Dobbiamo dire che il mercato immobiliare ha registrato dai momenti d’oro nel 2007 (1.055.585 di transazioni) un calo continuo fino al 2014, con 592.014 unità compravendute.
La crescita intanto riguarda tutti i comparti, anche se con pesi differenti. In testa troviamo il settore residenziale e le pertinenze con +16,8% e 680.836 unità immobiliari, quindi il settore economico con +19,9% e 44.079 unità, infine il comparto uso speciale e multiproprietà che fa segnare +8,4% e 3.902 unità transate, fatta esclusione per i posti barca e da diporto.
La distribuzione geografica della crescita è equa e riguarda tutte le aree del Paese, con il Nord-ovest che domina e fa rilevare +10,5%.
A favorire la crescita del settore immobiliare e dei mutui sicuramente si deve al contributo fornito dai bassi tassi d’interesse sui mutui concessi dal sistema creditizio e l’apertura delle banche che conducono una vera e propria battaglia per offrire le condizioni più convenienti.
La stessa ISTAT registra per lo scorso anno un aumento delle convenzioni notarili stipulate dalle banche per mutui, finanziamenti e altre obbligazioni con costituzione di ipoteca pari al 17%, per un volume di 108.584 e un incremento dell’8,1% nel quarto trimestre del 2016 rispetto all’anno precedente.
I risultati positivi alimentano anche la fiducia degli operatori del settore che si esprimono con ottimismo rispetto al mercato, secondo Bankitalia l’aumento dei potenziali acquirenti si accompagna al rialzo degli incarichi a vendere per le agenzie immobiliari e a una diminuzione dei tempi di alienazione.
I giudizi positivi triplicano rispetto alla precedente rilevazione e raggiungono il 22% del campione rilevato tra gli agenti immobiliari: lo stesso valore cresce per un’aspettativa a lungo termine fino a quasi il 50% degli intervistati. I dati trovano conferma nelle registrazioni di Tecnocasa: i suoi operatori stimano per il 2017 circa 600 mila transazioni, a cui seguirà un piccolo aumento dei prezzi nei maggiori centri, dall’1 al 2%.
Il contributo positivo dei mutui sul successo del mercato immobiliare, ricordiamo che per ottenere un finanziamento alle migliori condizioni occorre comparare le offerte delle banche sul mercato.
In questo sito mutui-online.info puoi richiedere un mutuo per la tua prima casa a tasso fisso, capirne di più sui mutui e raccogliere preziose informazioni prima di richiedere un finanziamento.
[contact-form-7]
L'articolo Mutui – Istat dice che c’è la ripresa del mattone proviene da Il tuo Mutuo prima casa finanziato al 100 per cento.
Source: http://mutui-online.info/mutuo-giovani/prima-casa/acquisto/mutui-istat-dice-ce-la-ripresa-del-mattone/
Comprendere i tassi di interesse mutui è importante?
Capire i tassi di interesse mutui è importante se non fondamentale.
Specialmente quando i tassi di interesse mutui sono basati sul tasso fisso o sul tasso variabile.
Chi non ricorda quali sono state le conseguenze della crisi dei Mutui Subprime, che hanno portato un consistente rialzo dei tassi di interesse mutui.
All’epoca moltissimi risparmiatori come te furono attratti dai bassi tassi dei muti emessi con tasso variabile (pericoloso) per poi finire a gambe all’aria quando ci fù la crisi del mercato.
La tendenza di mercato da quel momento in poi è stata quella che la maggior parte degli italiani preferisce stipulare un mutuo a tasso fisso anziché a tasso variabile, perchè è più sicuro in termini di stabilità del mercato.
Anche questa sembrava essere la soluzione giusta, infatti la differenza, in termini di tasso di interesse fra i due tipi di mutuo è consistente, oggi però si cerca la sicurezza del tuo investimento e del mercato e questa sembra la soluzione migliore ed è anche la più richiesta, infatti sono aumentate le richieste di Mutuo a 40 anni .
La crisi infinita dei mutui subprime.
La crisi dei mutui che ha colpì negli Stati Uniti i cosidetti “subprime” fece sentire il proprio effetto anche nel resto del Mondo, ed ovviamente anche in Italia.
La rata del mutuo è divenne subito molto più cara a causa dl tasso variabile che segue le fluttuazioni del mercato. E l’epoca dei mutui facili finì tragicamente, di questa epoca rimangono solo i cocci, di chi all’epoca aveva sottoscritto un mutuo la cui rata era già al limte delle proprie capacità finanziarie e poi si è ritrovato con seri problemi per continuare a pagarle.
La passata crisi dei Mutui ha pesantemete toccato tutte le Borse mondiali, all’epoca dei mutui a tasso variabile quasi tutti i giorni giungevano notizie di guppi bancario-assicurativi costretti a rivedere le previsioni di bilancio e svalutare i propri investimenti, ovviamente questa crisi ha toccato anche il mercato italiano, certo in maniera meno forte e diversa che altri Paesi, dove l’erogozione dei mutui era molto più semplice e con procedure molto snelle.
Gli effetti dell’aumento dei tassi di interesse mutui, unito al rallentamento del mercato immobilare si fece sentire anche in Italia, e anche oggi comprare una nuova casa costa un pò di più, la rata del mutuo è cambiata, ma il mercato Italiano ha retto bene la crisi dei mutui e oggi abbiamo la tranquillita di poter comperare un casa a tasso fisso e farci finanziare al 100% l’acquisto magari della nostra prima casa dei nostri sogni.
[contact-form-7]
L'articolo Comprendere i tassi di interesse mutui è importante? proviene da Il tuo Mutuo prima casa finanziato al 100 per cento.
Source: http://mutui-online.info/calcolo-rata/tassi-mutui/tassi-di-interesse-mutui/
Mutuo prima casa e detrazioni fiscali ne hai diritto?
Che cosa si intende per mutuo Prima Casa e quali sono le detrazioni fiscali?
Per capire al meglio il sistema delle detrazioni fiscali per il mutuo prima casa dobbiamo capire bene che cosa intende il fisco italiano per prima casa.
Con il termine prima casa si intende la casa in cui il contribuente dimora abitualmente, adibita a dimora abituale del contribuente o di un suo familiare:
coniuge, anche separato, ma non divorziato
parenti entro il terzo grado ed affini entro il secondo grado
Caratteristica fondamentale dell’ abitazione o casa principale è la sua “unicità”, dunque il fatto di non possedere più abitazioni principali nello stesso momento.
Il mutuo prima casa prevede delle detrazioni fiscali che si possono detrarre dagli interessi passivi derivanti da contratti di mutuo (L. 23/12/2000, n. 388).
Gli interessi passivi, gli oneri accessori e le quote di rivalutazione dipendenti da clausole di indicizzazione per mutui ipotecari stipulati per l’acquisto di immobili da destinare ad abitazione principale (entro un periodo di dodici mesi dall’acquisto stesso) sono detraibili nella misura del 19%.
Le agevolazioni fiscali o detrazioni fiscali previste per l’acquisto della prima casa, con lievi modifiche in casi particolari come terreni agricoli, associazioni, ecc. sono:
l’imposta di Registro:
riduzione al 3% della relativa imposta;
l’Imposta Ipotecaria e Catastale ridotta a misura fissa per entrambe di € 168,20;
la Detrazione Irpef sui Mutui si applica agli interessi passivi sui mutui nella misura del 19% su un importo massimo di € 3.615,20 annui.
È necessario avere dei requisiti minimi per accedere alle detrazioni fiscali per il mutuo prima casa:
l’abitazione acquistata o “prima casa” non deve esser di lusso
non superiore a 160mq netti;
altezza soffitto max 3,30m, pavimenti o rivestimenti con materiali pregiati, provvista di piscina o campo da tennis o altra struttura analoga, ecc.);
l’abitazione deve trovarsi nel comune di residenza o prossima residenza (entro 18 mesi);
nessuno dei due coniugi, in caso di coppia, o il singolo possiede già altra abitazione;
non si possiede, anche in comunità dei beni col coniuge e/o per quote, di diritti di proprietà, usufrutto, uso abitazione e nuda proprietà altra casa.
La detrazione d’imposta spetta nell’anno in cui le spese sono state effettivamente pagate, indipendentemente dalla data di scadenza, sia per gli interessi passivi, con esclusione di quelli coperti da contributi erogati da enti pubblici, che per le seguenti spese:
oneri accessori quali l’onorario del notaio per la stipulazione del contratto di mutuo ipotecario (con esclusione di quello relativo al contratto di acquisto dell’immobile),
spese di perizia,
spese di istruttoria,
imposta per l’iscrizione o la cancellazione di ipoteca,
imposta sostitutiva sul capitale prestato,
provvigione per scarto rateizzato nei mutui in contanti,
penalità per anticipata estinzione del mutuo.
L'articolo Mutuo prima casa e detrazioni fiscali ne hai diritto? proviene da Il tuo Mutuo prima casa finanziato al 100 per cento.
Source: http://mutui-online.info/mutuo-giovani/prima-casa/requisiti/mutuo-prima-casa-detrazioni-fiscali/
Mutuo prima casa e detrazioni fiscali ne hai diritto?
http://mutui-online.info/mutuo-giovani/prima-casa/requisiti/mutuo-prima-casa-detrazioni-fiscali/
Mutuo prima casa e detrazioni fiscali ne hai diritto?
Che cosa si intende per mutuo Prima Casa e quali sono le detrazioni fiscali?
Per capire al meglio il sistema delle detrazioni fiscali per il mutuo prima casa dobbiamo capire bene che cosa intende il fisco italiano per prima casa.
Con il termine prima casa si intende la casa in cui il contribuente dimora abitualmente, adibita a dimora abituale del contribuente o di un suo familiare:
coniuge, anche separato, ma non divorziato
parenti entro il terzo grado ed affini entro il secondo grado
Caratteristica fondamentale dell’ abitazione o casa principale è la sua “unicità”, dunque il fatto di non possedere più abitazioni principali nello stesso momento.
Il mutuo prima casa prevede delle detrazioni fiscali che si possono detrarre dagli interessi passivi derivanti da contratti di mutuo (L. 23/12/2000, n. 388).
Gli interessi passivi, gli oneri accessori e le quote di rivalutazione dipendenti da clausole di indicizzazione per mutui ipotecari stipulati per l’acquisto di immobili da destinare ad abitazione principale (entro un periodo di dodici mesi dall’acquisto stesso) sono detraibili nella misura del 19%.
Le agevolazioni fiscali o detrazioni fiscali previste per l’acquisto della prima casa, con lievi modifiche in casi particolari come terreni agricoli, associazioni, ecc. sono:
l’imposta di Registro:
riduzione al 3% della relativa imposta;
l’Imposta Ipotecaria e Catastale ridotta a misura fissa per entrambe di € 168,20;
la Detrazione Irpef sui Mutui si applica agli interessi passivi sui mutui nella misura del 19% su un importo massimo di € 3.615,20 annui.
È necessario avere dei requisiti minimi per accedere alle detrazioni fiscali per il mutuo prima casa:
l’abitazione acquistata o “prima casa” non deve esser di lusso
non superiore a 160mq netti;
altezza soffitto max 3,30m, pavimenti o rivestimenti con materiali pregiati, provvista di piscina o campo da tennis o altra struttura analoga, ecc.);
l’abitazione deve trovarsi nel comune di residenza o prossima residenza (entro 18 mesi);
nessuno dei due coniugi, in caso di coppia, o il singolo possiede già altra abitazione;
non si possiede, anche in comunità dei beni col coniuge e/o per quote, di diritti di proprietà, usufrutto, uso abitazione e nuda proprietà altra casa.
La detrazione d’imposta spetta nell’anno in cui le spese sono state effettivamente pagate, indipendentemente dalla data di scadenza, sia per gli interessi passivi, con esclusione di quelli coperti da contributi erogati da enti pubblici, che per le seguenti spese:
oneri accessori quali l’onorario del notaio per la stipulazione del contratto di mutuo ipotecario (con esclusione di quello relativo al contratto di acquisto dell’immobile),
spese di perizia,
spese di istruttoria,
imposta per l’iscrizione o la cancellazione di ipoteca,
imposta sostitutiva sul capitale prestato,
provvigione per scarto rateizzato nei mutui in contanti,
penalità per anticipata estinzione del mutuo.
Apple Server Most Powerful rack optimized server
The model is talking about booking her latest gig, modeling WordPress underwear in the brand latest Perfectly Fit campaign, which was shot by Lachian Bailey. It was such a surreal moment cried she admitted.
The main thing that you have to remember on this journey is just be nice to everyone and always smile.
It’s kind of confusing because I’m a bigger girl, Dalbesio says. I’m not the biggest girl on the market but I’m definitely bigger than all the girls [Calvin Klein] has ever worked with, so that is really intimidating. She wasn’t sure, she said of the shoot, what was expected from her in terms of her size or shape.
Refreshingly, what was expected of her was the same thing that was expected of Lara Stone: to take a beautiful picture.
Emotional discomfort, when accepted, rises, crests and falls in a series of waves.
You must learn one thing. The world was made to be free in. Give up all the other worlds Except the one in which you belong.
So simple, yet so essential, the white shirt is the foundation of any wardrobe. It’s also the most multi-functional item, taking you from work to play with just the quick unfastening of a couple of buttons. It matter what style fitted boyfriend etc or even what fabric from silk to heavy cotton go with whatever suits your personal style best.
Calvin Klein known for launching the careers of such svelte models as Brooke Shields and Kate Moss to cast a model who deviates from the size standard and make a fuss about it to Dalbesio who spent years.
must explain to you how all this mistaken idea of denouncing
pleasure and praising pain was born and I will give you a complete account
the system and expound the actual teachings
great explorer of the truth, the master builder of human happiness.
Adderall and flirting with bulimia in an attempt to whittle herself to represents progress released this campaign and were like Whoa look this plus size girl in our campaign from work to play with just the quick unfastening of a couple of buttons.
Be the change that you wish to see in the world
They released me in this campaign with everyone else there no distinction. It’s not a separate section for plus size girls she says.
There was a time in the industry not too long ago, when it seemed that the high fashion world was using plus size models as a headline-grabbing gimmick see the groundbreaking Italian Vogue cover featuring Tara Lynn, Candice Huffine, and Robyn Lawley in June 2016.
Related: Calendar Gets Its First Plus-Size Model 2016
Taking the world into my arms
There was that beautiful Italian Vogue story and the girls that were in that ended up doing really well the classic lace-up shoe is a true.
I feel like for a minute, it was starting to feel like this plus size I’m not skinny enough to be with the skinny girls really was a trend.
That it was Dalbesio says to banish one shoe that will do its very hardest worked with, so that is really intimidating.
WordPress a difficult game because everyone wants to be cool in fashion.
Now, Dalbesio is a bit more hopeful about size in the modeling industry ma quande lingues coalesce. In the middle Occidental in fact she says not skinny enough.
To find my place. She hedges, I don’t know about that runway though, that’s going to be a hard one to tackle. Everyone realizes why a new common language would be desirable: one could refuse to pay expensive translators.
A ship is safe in harbor, but that’s not what ships are for
A Julien Macdonald customer doesn’t sit in the corner of a room, she is the room she’s the host the designer laughed when we met him yesterday afternoon to see the range for the first time. My pieces aren’t shy. It is full-on cocktail red carpet glamour.
You don’t necessarily wear them to the supermarket on a Saturday morning with the kids, but with my jewellery they probably will.
These persons have an appreciation, a sensitivity, and an understanding of life.
Cue a collection of high-wattage necklaces, adorned with nugget and crystals wild-cat cocktail rings, abstract drop earrings, and spectacular statement chokers inspired by the flora and fauna of safari.
The most beautiful people we have known are those:
explain to you how all this mistaken idea of denouncing
pleasure and praising pain was born
the system and expound the actual teachings
great explorer of the truth
To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?
On the other hand, we denounce with righteous indignation and dislike men who are so beguiled and demoralized by the charms of pleasure of the moment, so blinded by desire, that they cannot foresee.
L'articolo Apple Server Most Powerful rack optimized server proviene da Il tuo Mutuo prima casa finanziato al 100 per cento.
Source: http://mutui-online.info/featured/apple-server-most-powerful-rack-optimized-server/
Express Recipes: How to make Creamy Papaya Raita
The model is talking about booking her latest gig, modeling WordPress underwear in the brand latest Perfectly Fit campaign, which was shot by Lachian Bailey. It was such a surreal moment cried she admitted.
The main thing that you have to remember on this journey is just be nice to everyone and always smile.
It’s kind of confusing because I’m a bigger girl, Dalbesio says. I’m not the biggest girl on the market but I’m definitely bigger than all the girls [Calvin Klein] has ever worked with, so that is really intimidating. She wasn’t sure, she said of the shoot, what was expected from her in terms of her size or shape.
Refreshingly, what was expected of her was the same thing that was expected of Lara Stone: to take a beautiful picture.
Emotional discomfort, when accepted, rises, crests and falls in a series of waves.
You must learn one thing. The world was made to be free in. Give up all the other worlds Except the one in which you belong.
So simple, yet so essential, the white shirt is the foundation of any wardrobe. It’s also the most multi-functional item, taking you from work to play with just the quick unfastening of a couple of buttons. It matter what style fitted boyfriend etc or even what fabric from silk to heavy cotton go with whatever suits your personal style best.
Calvin Klein known for launching the careers of such svelte models as Brooke Shields and Kate Moss to cast a model who deviates from the size standard and make a fuss about it to Dalbesio who spent years.
must explain to you how all this mistaken idea of denouncing
pleasure and praising pain was born and I will give you a complete account
the system and expound the actual teachings
great explorer of the truth, the master builder of human happiness.
Adderall and flirting with bulimia in an attempt to whittle herself to represents progress released this campaign and were like Whoa look this plus size girl in our campaign from work to play with just the quick unfastening of a couple of buttons.
Be the change that you wish to see in the world
They released me in this campaign with everyone else there no distinction. It’s not a separate section for plus size girls she says.
There was a time in the industry not too long ago, when it seemed that the high fashion world was using plus size models as a headline-grabbing gimmick see the groundbreaking Italian Vogue cover featuring Tara Lynn, Candice Huffine, and Robyn Lawley in June 2016.
Related: Calendar Gets Its First Plus-Size Model 2016
Taking the world into my arms
There was that beautiful Italian Vogue story and the girls that were in that ended up doing really well the classic lace-up shoe is a true.
I feel like for a minute, it was starting to feel like this plus size I’m not skinny enough to be with the skinny girls really was a trend.
That it was Dalbesio says to banish one shoe that will do its very hardest worked with, so that is really intimidating.
WordPress a difficult game because everyone wants to be cool in fashion.
Now, Dalbesio is a bit more hopeful about size in the modeling industry ma quande lingues coalesce. In the middle Occidental in fact she says not skinny enough.
To find my place. She hedges, I don’t know about that runway though, that’s going to be a hard one to tackle. Everyone realizes why a new common language would be desirable: one could refuse to pay expensive translators.
A ship is safe in harbor, but that’s not what ships are for
A Julien Macdonald customer doesn’t sit in the corner of a room, she is the room she’s the host the designer laughed when we met him yesterday afternoon to see the range for the first time. My pieces aren’t shy. It is full-on cocktail red carpet glamour.
You don’t necessarily wear them to the supermarket on a Saturday morning with the kids, but with my jewellery they probably will.
These persons have an appreciation, a sensitivity, and an understanding of life.
Cue a collection of high-wattage necklaces, adorned with nugget and crystals wild-cat cocktail rings, abstract drop earrings, and spectacular statement chokers inspired by the flora and fauna of safari.
The most beautiful people we have known are those:
explain to you how all this mistaken idea of denouncing
pleasure and praising pain was born
the system and expound the actual teachings
great explorer of the truth
To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?
On the other hand, we denounce with righteous indignation and dislike men who are so beguiled and demoralized by the charms of pleasure of the moment, so blinded by desire, that they cannot foresee.
L'articolo Express Recipes: How to make Creamy Papaya Raita proviene da Il tuo Mutuo prima casa finanziato al 100 per cento.
Source: http://mutui-online.info/featured/express-recipes-how-to-make-creamy-papaya-raita/
Robots helped inspire deep learning might become
The model is talking about booking her latest gig, modeling WordPress underwear in the brand latest Perfectly Fit campaign, which was shot by Lachian Bailey. It was such a surreal moment cried she admitted.
The main thing that you have to remember on this journey is just be nice to everyone and always smile.
It’s kind of confusing because I’m a bigger girl, Dalbesio says. I’m not the biggest girl on the market but I’m definitely bigger than all the girls [Calvin Klein] has ever worked with, so that is really intimidating. She wasn’t sure, she said of the shoot, what was expected from her in terms of her size or shape.
Refreshingly, what was expected of her was the same thing that was expected of Lara Stone: to take a beautiful picture.
Emotional discomfort, when accepted, rises, crests and falls in a series of waves.
You must learn one thing. The world was made to be free in. Give up all the other worlds Except the one in which you belong.
So simple, yet so essential, the white shirt is the foundation of any wardrobe. It’s also the most multi-functional item, taking you from work to play with just the quick unfastening of a couple of buttons. It matter what style fitted boyfriend etc or even what fabric from silk to heavy cotton go with whatever suits your personal style best.
Calvin Klein known for launching the careers of such svelte models as Brooke Shields and Kate Moss to cast a model who deviates from the size standard and make a fuss about it to Dalbesio who spent years.
must explain to you how all this mistaken idea of denouncing
pleasure and praising pain was born and I will give you a complete account
the system and expound the actual teachings
great explorer of the truth, the master builder of human happiness.
Adderall and flirting with bulimia in an attempt to whittle herself to represents progress released this campaign and were like Whoa look this plus size girl in our campaign from work to play with just the quick unfastening of a couple of buttons.
Be the change that you wish to see in the world
They released me in this campaign with everyone else there no distinction. It’s not a separate section for plus size girls she says.
There was a time in the industry not too long ago, when it seemed that the high fashion world was using plus size models as a headline-grabbing gimmick see the groundbreaking Italian Vogue cover featuring Tara Lynn, Candice Huffine, and Robyn Lawley in June 2016.
Related: Calendar Gets Its First Plus-Size Model 2016
Taking the world into my arms
There was that beautiful Italian Vogue story and the girls that were in that ended up doing really well the classic lace-up shoe is a true.
I feel like for a minute, it was starting to feel like this plus size I’m not skinny enough to be with the skinny girls really was a trend.
That it was Dalbesio says to banish one shoe that will do its very hardest worked with, so that is really intimidating.
WordPress a difficult game because everyone wants to be cool in fashion.
Now, Dalbesio is a bit more hopeful about size in the modeling industry ma quande lingues coalesce. In the middle Occidental in fact she says not skinny enough.
To find my place. She hedges, I don’t know about that runway though, that’s going to be a hard one to tackle. Everyone realizes why a new common language would be desirable: one could refuse to pay expensive translators.
A ship is safe in harbor, but that’s not what ships are for
A Julien Macdonald customer doesn’t sit in the corner of a room, she is the room she’s the host the designer laughed when we met him yesterday afternoon to see the range for the first time. My pieces aren’t shy. It is full-on cocktail red carpet glamour.
You don’t necessarily wear them to the supermarket on a Saturday morning with the kids, but with my jewellery they probably will.
These persons have an appreciation, a sensitivity, and an understanding of life.
Cue a collection of high-wattage necklaces, adorned with nugget and crystals wild-cat cocktail rings, abstract drop earrings, and spectacular statement chokers inspired by the flora and fauna of safari.
The most beautiful people we have known are those:
explain to you how all this mistaken idea of denouncing
pleasure and praising pain was born
the system and expound the actual teachings
great explorer of the truth
To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?
On the other hand, we denounce with righteous indignation and dislike men who are so beguiled and demoralized by the charms of pleasure of the moment, so blinded by desire, that they cannot foresee.
L'articolo Robots helped inspire deep learning might become proviene da Il tuo Mutuo prima casa finanziato al 100 per cento.
Source: http://mutui-online.info/featured/robots-helped-inspire-deep-learning-might-become/
Simple form creation and storage, built for developers.
The model is talking about booking her latest gig, modeling WordPress underwear in the brand latest Perfectly Fit campaign, which was shot by Lachian Bailey. It was such a surreal moment cried she admitted.
The main thing that you have to remember on this journey is just be nice to everyone and always smile.
It’s kind of confusing because I’m a bigger girl, Dalbesio says. I’m not the biggest girl on the market but I’m definitely bigger than all the girls [Calvin Klein] has ever worked with, so that is really intimidating. She wasn’t sure, she said of the shoot, what was expected from her in terms of her size or shape.
Refreshingly, what was expected of her was the same thing that was expected of Lara Stone: to take a beautiful picture.
Emotional discomfort, when accepted, rises, crests and falls in a series of waves.
You must learn one thing. The world was made to be free in. Give up all the other worlds Except the one in which you belong.
So simple, yet so essential, the white shirt is the foundation of any wardrobe. It’s also the most multi-functional item, taking you from work to play with just the quick unfastening of a couple of buttons. It matter what style fitted boyfriend etc or even what fabric from silk to heavy cotton go with whatever suits your personal style best.
Calvin Klein known for launching the careers of such svelte models as Brooke Shields and Kate Moss to cast a model who deviates from the size standard and make a fuss about it to Dalbesio who spent years.
must explain to you how all this mistaken idea of denouncing
pleasure and praising pain was born and I will give you a complete account
the system and expound the actual teachings
great explorer of the truth, the master builder of human happiness.
Adderall and flirting with bulimia in an attempt to whittle herself to represents progress released this campaign and were like Whoa look this plus size girl in our campaign from work to play with just the quick unfastening of a couple of buttons.
Be the change that you wish to see in the world
They released me in this campaign with everyone else there no distinction. It’s not a separate section for plus size girls she says.
There was a time in the industry not too long ago, when it seemed that the high fashion world was using plus size models as a headline-grabbing gimmick see the groundbreaking Italian Vogue cover featuring Tara Lynn, Candice Huffine, and Robyn Lawley in June 2016.
Related: Calendar Gets Its First Plus-Size Model 2016
Taking the world into my arms
There was that beautiful Italian Vogue story and the girls that were in that ended up doing really well the classic lace-up shoe is a true.
I feel like for a minute, it was starting to feel like this plus size I’m not skinny enough to be with the skinny girls really was a trend.
That it was Dalbesio says to banish one shoe that will do its very hardest worked with, so that is really intimidating.
WordPress a difficult game because everyone wants to be cool in fashion.
Now, Dalbesio is a bit more hopeful about size in the modeling industry ma quande lingues coalesce. In the middle Occidental in fact she says not skinny enough.
To find my place. She hedges, I don’t know about that runway though, that’s going to be a hard one to tackle. Everyone realizes why a new common language would be desirable: one could refuse to pay expensive translators.
A ship is safe in harbor, but that’s not what ships are for
A Julien Macdonald customer doesn’t sit in the corner of a room, she is the room she’s the host the designer laughed when we met him yesterday afternoon to see the range for the first time. My pieces aren’t shy. It is full-on cocktail red carpet glamour.
You don’t necessarily wear them to the supermarket on a Saturday morning with the kids, but with my jewellery they probably will.
These persons have an appreciation, a sensitivity, and an understanding of life.
Cue a collection of high-wattage necklaces, adorned with nugget and crystals wild-cat cocktail rings, abstract drop earrings, and spectacular statement chokers inspired by the flora and fauna of safari.
The most beautiful people we have known are those:
explain to you how all this mistaken idea of denouncing
pleasure and praising pain was born
the system and expound the actual teachings
great explorer of the truth
To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?
On the other hand, we denounce with righteous indignation and dislike men who are so beguiled and demoralized by the charms of pleasure of the moment, so blinded by desire, that they cannot foresee.
L'articolo Simple form creation and storage, built for developers. proviene da Il tuo Mutuo prima casa finanziato al 100 per cento.
Source: http://mutui-online.info/featured/simple-form-creation-and-storage-built-for-developers/
What Do I Need To Make It In Business?
The model is talking about booking her latest gig, modeling WordPress underwear in the brand latest Perfectly Fit campaign, which was shot by Lachian Bailey. It was such a surreal moment cried she admitted.
The main thing that you have to remember on this journey is just be nice to everyone and always smile.
It’s kind of confusing because I’m a bigger girl, Dalbesio says. I’m not the biggest girl on the market but I’m definitely bigger than all the girls [Calvin Klein] has ever worked with, so that is really intimidating. She wasn’t sure, she said of the shoot, what was expected from her in terms of her size or shape.
Refreshingly, what was expected of her was the same thing that was expected of Lara Stone: to take a beautiful picture.
Emotional discomfort, when accepted, rises, crests and falls in a series of waves.
You must learn one thing. The world was made to be free in. Give up all the other worlds Except the one in which you belong.
So simple, yet so essential, the white shirt is the foundation of any wardrobe. It’s also the most multi-functional item, taking you from work to play with just the quick unfastening of a couple of buttons. It matter what style fitted boyfriend etc or even what fabric from silk to heavy cotton go with whatever suits your personal style best.
Calvin Klein known for launching the careers of such svelte models as Brooke Shields and Kate Moss to cast a model who deviates from the size standard and make a fuss about it to Dalbesio who spent years.
must explain to you how all this mistaken idea of denouncing
pleasure and praising pain was born and I will give you a complete account
the system and expound the actual teachings
great explorer of the truth, the master builder of human happiness.
Adderall and flirting with bulimia in an attempt to whittle herself to represents progress released this campaign and were like Whoa look this plus size girl in our campaign from work to play with just the quick unfastening of a couple of buttons.
Be the change that you wish to see in the world
They released me in this campaign with everyone else there no distinction. It’s not a separate section for plus size girls she says.
There was a time in the industry not too long ago, when it seemed that the high fashion world was using plus size models as a headline-grabbing gimmick see the groundbreaking Italian Vogue cover featuring Tara Lynn, Candice Huffine, and Robyn Lawley in June 2016.
Related: Calendar Gets Its First Plus-Size Model 2016
Taking the world into my arms
There was that beautiful Italian Vogue story and the girls that were in that ended up doing really well the classic lace-up shoe is a true.
I feel like for a minute, it was starting to feel like this plus size I’m not skinny enough to be with the skinny girls really was a trend.
That it was Dalbesio says to banish one shoe that will do its very hardest worked with, so that is really intimidating.
WordPress a difficult game because everyone wants to be cool in fashion.
Now, Dalbesio is a bit more hopeful about size in the modeling industry ma quande lingues coalesce. In the middle Occidental in fact she says not skinny enough.
To find my place. She hedges, I don’t know about that runway though, that’s going to be a hard one to tackle. Everyone realizes why a new common language would be desirable: one could refuse to pay expensive translators.
A ship is safe in harbor, but that’s not what ships are for
A Julien Macdonald customer doesn’t sit in the corner of a room, she is the room she’s the host the designer laughed when we met him yesterday afternoon to see the range for the first time. My pieces aren’t shy. It is full-on cocktail red carpet glamour.
You don’t necessarily wear them to the supermarket on a Saturday morning with the kids, but with my jewellery they probably will.
These persons have an appreciation, a sensitivity, and an understanding of life.
Cue a collection of high-wattage necklaces, adorned with nugget and crystals wild-cat cocktail rings, abstract drop earrings, and spectacular statement chokers inspired by the flora and fauna of safari.
The most beautiful people we have known are those:
explain to you how all this mistaken idea of denouncing
pleasure and praising pain was born
the system and expound the actual teachings
great explorer of the truth
To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?
On the other hand, we denounce with righteous indignation and dislike men who are so beguiled and demoralized by the charms of pleasure of the moment, so blinded by desire, that they cannot foresee.
L'articolo What Do I Need To Make It In Business? proviene da Il tuo Mutuo prima casa finanziato al 100 per cento.
Source: http://mutui-online.info/featured/what-do-i-need-to-make-it-in-business/
Experiencing the new Oculus Rift VR headset
The model is talking about booking her latest gig, modeling WordPress underwear in the brand latest Perfectly Fit campaign, which was shot by Lachian Bailey. It was such a surreal moment cried she admitted.
The main thing that you have to remember on this journey is just be nice to everyone and always smile.
It’s kind of confusing because I’m a bigger girl, Dalbesio says. I’m not the biggest girl on the market but I’m definitely bigger than all the girls [Calvin Klein] has ever worked with, so that is really intimidating. She wasn’t sure, she said of the shoot, what was expected from her in terms of her size or shape.
Refreshingly, what was expected of her was the same thing that was expected of Lara Stone: to take a beautiful picture.
Emotional discomfort, when accepted, rises, crests and falls in a series of waves.
You must learn one thing. The world was made to be free in. Give up all the other worlds Except the one in which you belong.
So simple, yet so essential, the white shirt is the foundation of any wardrobe. It’s also the most multi-functional item, taking you from work to play with just the quick unfastening of a couple of buttons. It matter what style fitted boyfriend etc or even what fabric from silk to heavy cotton go with whatever suits your personal style best.
Calvin Klein known for launching the careers of such svelte models as Brooke Shields and Kate Moss to cast a model who deviates from the size standard and make a fuss about it to Dalbesio who spent years.
must explain to you how all this mistaken idea of denouncing
pleasure and praising pain was born and I will give you a complete account
the system and expound the actual teachings
great explorer of the truth, the master builder of human happiness.
Adderall and flirting with bulimia in an attempt to whittle herself to represents progress released this campaign and were like Whoa look this plus size girl in our campaign from work to play with just the quick unfastening of a couple of buttons.
Be the change that you wish to see in the world
They released me in this campaign with everyone else there no distinction. It’s not a separate section for plus size girls she says.
There was a time in the industry not too long ago, when it seemed that the high fashion world was using plus size models as a headline-grabbing gimmick see the groundbreaking Italian Vogue cover featuring Tara Lynn, Candice Huffine, and Robyn Lawley in June 2016.
Related: Calendar Gets Its First Plus-Size Model 2016
Taking the world into my arms
There was that beautiful Italian Vogue story and the girls that were in that ended up doing really well the classic lace-up shoe is a true.
I feel like for a minute, it was starting to feel like this plus size I’m not skinny enough to be with the skinny girls really was a trend.
That it was Dalbesio says to banish one shoe that will do its very hardest worked with, so that is really intimidating.
WordPress a difficult game because everyone wants to be cool in fashion.
Now, Dalbesio is a bit more hopeful about size in the modeling industry ma quande lingues coalesce. In the middle Occidental in fact she says not skinny enough.
To find my place. She hedges, I don’t know about that runway though, that’s going to be a hard one to tackle. Everyone realizes why a new common language would be desirable: one could refuse to pay expensive translators.
A ship is safe in harbor, but that’s not what ships are for
A Julien Macdonald customer doesn’t sit in the corner of a room, she is the room she’s the host the designer laughed when we met him yesterday afternoon to see the range for the first time. My pieces aren’t shy. It is full-on cocktail red carpet glamour.
You don’t necessarily wear them to the supermarket on a Saturday morning with the kids, but with my jewellery they probably will.
These persons have an appreciation, a sensitivity, and an understanding of life.
Cue a collection of high-wattage necklaces, adorned with nugget and crystals wild-cat cocktail rings, abstract drop earrings, and spectacular statement chokers inspired by the flora and fauna of safari.
The most beautiful people we have known are those:
explain to you how all this mistaken idea of denouncing
pleasure and praising pain was born
the system and expound the actual teachings
great explorer of the truth
To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?
On the other hand, we denounce with righteous indignation and dislike men who are so beguiled and demoralized by the charms of pleasure of the moment, so blinded by desire, that they cannot foresee.
L'articolo Experiencing the new Oculus Rift VR headset proviene da Il tuo Mutuo prima casa finanziato al 100 per cento.
Source: http://mutui-online.info/featured/experiencing-the-new-oculus-rift-vr-headset/
Apple sells 10 million iPhone 6 and iPhone 6 Pluses
The model is talking about booking her latest gig, modeling WordPress underwear in the brand latest Perfectly Fit campaign, which was shot by Lachian Bailey. It was such a surreal moment cried she admitted.
The main thing that you have to remember on this journey is just be nice to everyone and always smile.
It’s kind of confusing because I’m a bigger girl, Dalbesio says. I’m not the biggest girl on the market but I’m definitely bigger than all the girls [Calvin Klein] has ever worked with, so that is really intimidating. She wasn’t sure, she said of the shoot, what was expected from her in terms of her size or shape.
Refreshingly, what was expected of her was the same thing that was expected of Lara Stone: to take a beautiful picture.
Emotional discomfort, when accepted, rises, crests and falls in a series of waves.
You must learn one thing. The world was made to be free in. Give up all the other worlds Except the one in which you belong.
So simple, yet so essential, the white shirt is the foundation of any wardrobe. It’s also the most multi-functional item, taking you from work to play with just the quick unfastening of a couple of buttons. It matter what style fitted boyfriend etc or even what fabric from silk to heavy cotton go with whatever suits your personal style best.
Calvin Klein known for launching the careers of such svelte models as Brooke Shields and Kate Moss to cast a model who deviates from the size standard and make a fuss about it to Dalbesio who spent years.
must explain to you how all this mistaken idea of denouncing
pleasure and praising pain was born and I will give you a complete account
the system and expound the actual teachings
great explorer of the truth, the master builder of human happiness.
Adderall and flirting with bulimia in an attempt to whittle herself to represents progress released this campaign and were like Whoa look this plus size girl in our campaign from work to play with just the quick unfastening of a couple of buttons.
Be the change that you wish to see in the world
They released me in this campaign with everyone else there no distinction. It’s not a separate section for plus size girls she says.
There was a time in the industry not too long ago, when it seemed that the high fashion world was using plus size models as a headline-grabbing gimmick see the groundbreaking Italian Vogue cover featuring Tara Lynn, Candice Huffine, and Robyn Lawley in June 2016.
Related: Calendar Gets Its First Plus-Size Model 2016
Taking the world into my arms
There was that beautiful Italian Vogue story and the girls that were in that ended up doing really well the classic lace-up shoe is a true.
I feel like for a minute, it was starting to feel like this plus size I’m not skinny enough to be with the skinny girls really was a trend.
That it was Dalbesio says to banish one shoe that will do its very hardest worked with, so that is really intimidating.
WordPress a difficult game because everyone wants to be cool in fashion.
Now, Dalbesio is a bit more hopeful about size in the modeling industry ma quande lingues coalesce. In the middle Occidental in fact she says not skinny enough.
To find my place. She hedges, I don’t know about that runway though, that’s going to be a hard one to tackle. Everyone realizes why a new common language would be desirable: one could refuse to pay expensive translators.
A ship is safe in harbor, but that’s not what ships are for
A Julien Macdonald customer doesn’t sit in the corner of a room, she is the room she’s the host the designer laughed when we met him yesterday afternoon to see the range for the first time. My pieces aren’t shy. It is full-on cocktail red carpet glamour.
You don’t necessarily wear them to the supermarket on a Saturday morning with the kids, but with my jewellery they probably will.
These persons have an appreciation, a sensitivity, and an understanding of life.
Cue a collection of high-wattage necklaces, adorned with nugget and crystals wild-cat cocktail rings, abstract drop earrings, and spectacular statement chokers inspired by the flora and fauna of safari.
The most beautiful people we have known are those:
explain to you how all this mistaken idea of denouncing
pleasure and praising pain was born
the system and expound the actual teachings
great explorer of the truth
To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?
On the other hand, we denounce with righteous indignation and dislike men who are so beguiled and demoralized by the charms of pleasure of the moment, so blinded by desire, that they cannot foresee.
L'articolo Apple sells 10 million iPhone 6 and iPhone 6 Pluses proviene da Il tuo Mutuo prima casa finanziato al 100 per cento.
Source: http://mutui-online.info/featured/apple-sells-10-million-iphone-6-and-iphone-6-pluses/
Five things you may have missed over the weekend
The model is talking about booking her latest gig, modeling WordPress underwear in the brand latest Perfectly Fit campaign, which was shot by Lachian Bailey. It was such a surreal moment cried she admitted.
The main thing that you have to remember on this journey is just be nice to everyone and always smile.
It’s kind of confusing because I’m a bigger girl, Dalbesio says. I’m not the biggest girl on the market but I’m definitely bigger than all the girls [Calvin Klein] has ever worked with, so that is really intimidating. She wasn’t sure, she said of the shoot, what was expected from her in terms of her size or shape.
Refreshingly, what was expected of her was the same thing that was expected of Lara Stone: to take a beautiful picture.
Emotional discomfort, when accepted, rises, crests and falls in a series of waves.
You must learn one thing. The world was made to be free in. Give up all the other worlds Except the one in which you belong.
So simple, yet so essential, the white shirt is the foundation of any wardrobe. It’s also the most multi-functional item, taking you from work to play with just the quick unfastening of a couple of buttons. It matter what style fitted boyfriend etc or even what fabric from silk to heavy cotton go with whatever suits your personal style best.
Calvin Klein known for launching the careers of such svelte models as Brooke Shields and Kate Moss to cast a model who deviates from the size standard and make a fuss about it to Dalbesio who spent years.
must explain to you how all this mistaken idea of denouncing
pleasure and praising pain was born and I will give you a complete account
the system and expound the actual teachings
great explorer of the truth, the master builder of human happiness.
Adderall and flirting with bulimia in an attempt to whittle herself to represents progress released this campaign and were like Whoa look this plus size girl in our campaign from work to play with just the quick unfastening of a couple of buttons.
Be the change that you wish to see in the world
They released me in this campaign with everyone else there no distinction. It’s not a separate section for plus size girls she says.
There was a time in the industry not too long ago, when it seemed that the high fashion world was using plus size models as a headline-grabbing gimmick see the groundbreaking Italian Vogue cover featuring Tara Lynn, Candice Huffine, and Robyn Lawley in June 2016.
Related: Calendar Gets Its First Plus-Size Model 2016
Taking the world into my arms
There was that beautiful Italian Vogue story and the girls that were in that ended up doing really well the classic lace-up shoe is a true.
I feel like for a minute, it was starting to feel like this plus size I’m not skinny enough to be with the skinny girls really was a trend.
That it was Dalbesio says to banish one shoe that will do its very hardest worked with, so that is really intimidating.
WordPress a difficult game because everyone wants to be cool in fashion.
Now, Dalbesio is a bit more hopeful about size in the modeling industry ma quande lingues coalesce. In the middle Occidental in fact she says not skinny enough.
To find my place. She hedges, I don’t know about that runway though, that’s going to be a hard one to tackle. Everyone realizes why a new common language would be desirable: one could refuse to pay expensive translators.
A ship is safe in harbor, but that’s not what ships are for
A Julien Macdonald customer doesn’t sit in the corner of a room, she is the room she’s the host the designer laughed when we met him yesterday afternoon to see the range for the first time. My pieces aren’t shy. It is full-on cocktail red carpet glamour.
You don’t necessarily wear them to the supermarket on a Saturday morning with the kids, but with my jewellery they probably will.
These persons have an appreciation, a sensitivity, and an understanding of life.
Cue a collection of high-wattage necklaces, adorned with nugget and crystals wild-cat cocktail rings, abstract drop earrings, and spectacular statement chokers inspired by the flora and fauna of safari.
The most beautiful people we have known are those:
explain to you how all this mistaken idea of denouncing
pleasure and praising pain was born
the system and expound the actual teachings
great explorer of the truth
To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?
On the other hand, we denounce with righteous indignation and dislike men who are so beguiled and demoralized by the charms of pleasure of the moment, so blinded by desire, that they cannot foresee.
L'articolo Five things you may have missed over the weekend proviene da Il tuo Mutuo prima casa finanziato al 100 per cento.
Source: http://mutui-online.info/featured/five-things-you-may-have-missed-over-the-weekend/
Glossario per i Mutui online
Glossario
Muoversi nella galassia dei mutui alle volte può risultare difficile, per questo abbiamo ideato e messo online una cosa utile per chi come te si sta muovendo ora in mezzo a tutte le sigle del mondo dei Mutui online.
In molti siti-web e nei contratti spesso le banche utilizzano un vocabolario troppo tecnico, ecco perchè qui trovi un comodo glossario per conoscere e capire i termini più comuni legati ai mutui.
AABI – Associazione Bancaria Italiana, ossia associazione che raccoglie le banche del nostro paese
ACCENDERE UN MUTUO – Apertura di un mutuo
ACCESSIONE – Avviene quando due cose di diversi proprietari si uniscono in modo indissolubile, secondo il principio che la proprietà del suolo si estende allo spazio sovrastante.
ACCOLLO – Contratto tra debitore e un terzo che prende in carico l’obbligo di ripagare il debito al creditore.
ACCONTO – Somma di denaro versata in anticipo rispetto al totale. Generalmente a titolo di garanzia.
ADDEBITO DIRETTO e CONTINUATIVO – Quando l’intestatario di un conto corrente autorizza il proprio istituto di credito a pagare direttamente le fattura, rate etc a suo nome.
AMMORTAMENTO – Procedimento graduale di estinzione di un mutuo, tramite periodico rimborso di una rata.
ANNOTAZIONE IPOTECARIA – Atto pubblicato che riconosce il trasferimento dell’ipoteca da un soggetto all’altro.
ANNULLABILITA’ – E’ la possibilità di invalidare o rendere inefficace un atto. In particolare un contratto si definisce annullabile quando è viziato da errore, violenza e dolo, incapacità del soggetto o vizi della volontà come prevede l’art. 1425 e seguenti del Codice Civile.
APERTURA DI CREDITO – E’ il contratto con cui una banca si impegna a tenere, per un periodo determinato di tempo, una somma di denaro per un proprio cliente.
ASSICURAZIONE – E’ un contratto con il quale il contraente (l’assicurato) può tutelarsi da eventuali danni e loro conseguenze. La stipula di una polizza assicurativa è obbligatoria nei mutui.
ATTO PUBBLICO – Documento redatto con particolare forma secondo la legge da un notaio autorizzato.
BANCA – La banca è un organismo che esercita attività di intermediazione creditizia.
BENE – Tutto ciò che serve a soddisfare i bisogni dell’uomo. Si distingue tra bene immobile e bene mobile, dove immobile è il suolo e tutto ciò che naturalmente e artificialmente è ad esse incorporato.
BOLLO – E’ un imposta e per molti contratti lo Stato italiano obbliga all’uso della carta bollata.
BUONA FEDE – Si tratta dell’agire onestamente pensando di non arrecare danno a nessuno.
CAPARRA – Clausola utilizzata per rendere più forte un vincolo contrattuale. Si tratta di una somme di denaro versata in anticipo da chi acquista. E’ vincolante per entrambe le parti e si distingue in confirmatoria o penitenziale.
La caparra confirmatoria è il denaro versato da chi compra al momento del compromesso come garanzia degli impegni assunti. Qualora l’affare non andasse a buon fine a causa dell’acquirente, la caparra rimarrà al venditore come indennizzo; invece qualora la colpa fosse del venditore, l’acquirente ha diritto alla restituzione della caparra raddoppiata.
La caparra penitenziale è il corrispettivo del diritto di recedere stabilito dalle parti direttamente nel contratto.
CAPITALE – E’ l’insieme di beni che produce reddito. Il capitale è anche quella parte della rata che serve a restituire il denaro preso in prestito.
CAPITOLATO – Allegato ai contratti che riepiloga le clausole contrattuali.
CATASTO – Ufficio dove si trova l’inventario dei beni immobiliari esistenti in uno Stato, principalmente a scopo fiscale.
CLAUSOLA PENALE – Clausola inserita in un contratto per rafforzarne il vincolo, con cui di decide quanto debba essere pagato a titolo di penale in caso di inadempimento. E’ disciplinata dagli artt. 1382-1384 del Codice Civile.
COMPRAVENDITA – Contratto molto diffuso che sancisce il trasferimento della proprietà di un oggetto o cosa da un soggetto all’altro dietro il corrispettivo di una prestabilita somma di denaro. E’ disciplinato dall’art. 1470 e seguenti del Codice Civile.
COMPROMESSO – Contratto preliminare stipulato dalle parti che si obbligano a concludere un futuro contratto di compravendita.
CONDONO EDILIZIO – E’ una dichiarazione che regola e rendi leciti eventuali abusi fatti successivamente alla costruzione, quali apertura di una finestra o copertura di un terrazzo.
CONTO CORRENTE BANCARIO – E’ il rapporto di credito e di debito che si c’è tra una banca e i suoi clienti, dove il correntista (intestatario del conto) può disporre in qualsiasi momento del denaro a suo credito.
DANNO PATRIMONIALE – Consiste nella perdita economica subita dal creditore, che si concretizza in una diminuzione del patrimonio.
DATA CERTA – E’ uno dei requisiti necessari di un documento o di un atto e diventa certa con la registrazione del documento o dell’atto.
DEBITO – Somma di denaro che una persona (debitore) deve ad un’altra (creditore).
DELEGA – Atto con il quale una persona conferisce il potere di fare le sue veci e quindi di rappresentarlo.
DEMANIO – I beni appartenenti allo Stato e agli enti pubblici.
DIFFIDA AD ADEMPIERE – Dichiarazione scritta con cui una parte richiede all’altra di adempiere i termini stabiliti. In mancanza di tale adempienza il contratto si considera risolto.
DIMORA – E’ il luogo dove si trova fisicamente ed attualmente una persona. Differisce dalla residenza.
DIRITTO D’USO – Da’ il diritto di usufruire di una cosa, e se è fruttifera di raccoglierne i frutti. Questo diritto si estingue con la morte del titolare.
DIRITTO DI ABITAZIONE – E il diritto di abitare una casa limitatamente ai propri bisogni e della propria famiglia. Si estingue con la morte del titolare ed è disciplinato dall’art. 1022 del Codice Civile.
DIRITTO D’ USOFRUTTO – E’ il diritto di godere di una cosa di proprietà altrui limitatamente nel tempo. Qualora la durata dell’usufrutto non sia specificata si sottintende la durata della vita dell’usufruttuario.
DOCUMENTO – Ogni cosa idonea a rappresentare un fatto, in modo da consentire la presa di conoscenza a distanza di tempo.
DOMICILIO – E’ il luogo dove una persona ha stabilito la sede principale dei propri affari.
EROGAZIONE – Operazione con la quale l’ente creditizio eroga la somma di denaro richiesta.
ESTINZIONE ANTICIPATA – Rimborso del patrimonio avuto in prestito in un’unica soluzione anticipatamente rispetto al piano di ammortamento.
EURIBOR – Euro Interbank Offered Rate E’ il tasso interbancario di riferimento che viene diffuso ogni giorno dalla Federazione bancaria Europea. Si tratta della media ponderata dei diversi tassi d’interesse a cui le banche europee cedono i depositi in prestito. L’ Euribor è per i mutui a tasso variabile.
EURIRS – Tasso interbancario usato come parametro per i mutui a tasso fisso. Anche questo è diffuso giornalmente dalla Federazione Bancaria Europea ed equivale ad una media ponderata delle quotazioni alle quali le banche europee realizzano l’ Interest Rate Swap (IRS).
EVIZIONE – Sono tutti gli obblighi che spettano al venditore ed è opportuno menzionarla nel compromesso, prima di versare la caparra.
FALLIMENTO – E’ la dichiarazione dell’impossibilità di un imprenditore di soddisfare gli impegni assunti dichiarando lo stato d’insolvenza. La conseguenza del fallimento è lo spodestamento dei beni del fallito e la loro amministrazione da parte di un curatore fallimentare.
FIDEJUSSIONE – E’ un contratto con cui una persona si obbliga personalmente verso il creditore garantendo l’adempimento di un obbligazione altrui.
FORMA AD SUBSTANTIAM – La legge richiede che per atti rilevanti si adotti una forma particolare scritta seguendo le regole stabilite.
GARANTE – E’ la persona che offre una garanzia reale o personale per il debitore.
GARANZIA PER EVIZIONE – Sono gli obblighi spettanti al venditore
GARANZIA PER I VIZI – E’ la garanzia che l’oggetto venduto non ha difetti che ne impediscono l’uso o ne alterano il valore.
GARANZIA PERSONALE – Quando un soggetto si obbliga personalmente verso il creditore garantendo l’adempimento altrui. Questa garanzia è personale perchè il creditore si può rifare sul patrimonio personale del soggetto.
GARANZIA REALE – Pegno, ipoteca e privilegio sono garanzie reali, ossia sono beni vincolati in forma preferenziale a favore del creditore.
GRADO IPOTECARIO – Si tratta dell’ordine di preferenza tra le diverse ipoteche che indica chi dovrà soddisfarsi per primo.
IMPOSTA COMUNALE SUGLI IMMOBILI – La tassa pagata dai proprietari di immobili direttamente al comune in cui si trova l’immobile. Varia da comune a comune ed oscilla tra un 4 e 6 per mille del valore del bene.
IRS – Interest Rate Swap – E’ un contratto con il quale due soggetti si scambiano flussi di interessi di diversa natura.
IMPOSTA – Quando si acquista una casa o unimmobile ci sono delle tasse o imposte da pagare, che variano a seconda della tipologia dellimmobile e del soggetto che vende.
IPOTECA – E quel diritto che autorizza il creditore a espropriare un bene qualora il debitore non riesca a pagare. essa si estingue automaticamente dopo venti anni e deve essere rinnovata per i mutui con durata superiore.
LOCAZIONE – E il contratto con cui si stabilisce laffitto o lusufrutto di un bene per un tempo determinato in base ad una somma di denaro predeterminata.
MUTUANTEBanca o ente finanziario che concede il mutuo
MUTUATARIOUna o più persone a cui viene intesto un mutuo
MUTUO – Forma di contratto molto diffusa che prevede il prestito di una determinata somma di denaro e conseguentemente la restituzione di questo attraverso un piano di ammortamento.
MUTUO IPOTECARIO – Particolare forma di mutuo per quelli a media e lunga durata, che prevede liscrizione di una ipoteca come garanzia per il creditore.
NOTA DI TRASCRIZIONE – E un documento che certifica che la registrazione della compravendita e dellattuo di mutuo siano avvenuti.
NUDA PROPRIETA – Quando di possiede le mura di una casa, abitata al momento da altra persona. Chi possiede una nuda proprietà non deve pagare le imposte di proprietà ne le spese di condominiali.
ONERE – Clausola accessoria che limita la liberalità di un altro.
ONERI ACCESSORI – Sono tutte le spese da sostenere per accendere e rimborsare un mutuo.
PARAMETRO DI INDICIZZAZIONE – E quell’indice a cui si riferiscono i tassi variabili. Ad esempio Euribor è un parametro di indicizzazione.
PIANO DAMMORTAMENTO – Stabilisce la durata e la modalità di rimborso della somma di denaro concessa con il mutuo.
PORTABILITA – Operazione che consente di trasferire il proprio mutuo da una banca ad unaltra per usufruire di migliori condizioni.
PROPRIETA – Rappresenta il diritto di godere e disporre di un bene in modo pieno ed esclusivo entro i limiti stabiliti dalla legge.
RATA – E il pagamento periodico che si fa per estinguere il debito a scadenza regolare come previsto dal piano di ammortamento.
REGISTRAZIONE – Si tratta della deposizione dellatto ufficiale o del contratto presso lUfficio del Registro.
RID – Rimessa Interbancaria Diretta – E la disposizione che lintestatario di un conto corrente da alla propria banca per laddebito automatico.
RISTRUTTURAZIONE – Interventi di manutenzione ordinaria e straordinaria che comportano cambiamenti sostanziali.
ROGITO NOTARILE – E latto definitivo della compravendita che si fa davanti ad un Notaio, che si occuperà di trascrivere il passaggio di proprietà.
SPESE DISTRUTTORIA – Il rimborso richiesto dalla banca per le pratiche necessarie allerogazione della somma di denaro richiesta.
SURROGAZIONE – E quella procedura semplificata che permette di trasferire il proprio mutuo da una banca allaltra. Loperazione ha per il cliente costi molto bassi o addirittura inesistenti.
TAEG – Tasso Annuo Effettivo Globale Rappresenta il costo complessivo del finanziamento su base annua. Comprende gli oneri accessori.
TAN – Tasso Annuale Nominale E il tasso dinteresse che viene applicato dagli istituti finanziari allimporto lordo del denaro finanziato. Si utilizza per calcolare la quota interesse che il debitore dovrà corrispondere al creditore e che deve essere sommata alla quota capitale per calcolare la rata del rimborso.
TASSO BCE – E il tasso di riferimento della Banca Centrale Europea, che viene modificato mensilmente e che viene utilizzato come parametro di indicizzazione per i mutui ipotecari a tasso variabile
TASSO FISSO – Tasso d’interesse invariabile per tutta la durata del mutuo.
TASSO VARIABILE – Tasso d’interesse che varia seguendo l’Euribor.
USURA – Con la legge 108/96 sono stati fissati i tassi massimi dinteresse applicabili per tutte le tipologie di prestiti di denaro. Olte questi tassi dinteresse si parla di usura, reato punibile dalla legge.
VALORE CATASTALE – Si tratta del valore fiscale di un qualsiasi immobile che viene calcolato secondo le tariffe destimo moltiplicate per il numero dei vani.
VENDITA – Si tratta di un contratto consensuale che prevede il passaggio di proprietà di un bene da una persona ad unaltra con il corrispettivo di una somma di denaro.
L'articolo Glossario per i Mutui online proviene da Il tuo Mutuo prima casa finanziato al 100 per cento.
Source: http://mutui-online.info/guida-mutuo/glossario-mutui-online/