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what they are and how they work at home Mortgage

Cosa sono i prestiti personali

Il prestito personale non è altro che un finanziamento di un certo ammontare di denaro che dovrà poi essere restituito all’ente erogatore maggiorato dagli interessi maturati nel periodo del finanziamento. Possono erogare un prestito sia banche generaliste che istituti di credito specializzati.
Quando si parla però personal loans are referred to the fact that these loans are granted regardless of the purpose for which they are requested by the customer so they are not directly related to the purchase of a specific item.
Using a personal loan you can request an amount of between 2,000 and € 30,000 repayable in installments up to 120. In some cases it is also possible to request early repayment of the loan.

What are the requirements to obtain a personal loan

requirements that are generally required by all banks and / or lending institutions are as follows:
- be aged between 18 and 70 years;
- Have an income tax return via certified, CUD, etc.;
- Another key requirement is to have a clean credit status (so-called "credit profile"), ie not to have endured protests, foreclosures, etc. but they have paid all the rate of a previous loan with regularity and punctuality.
These documents can then add others as required by the specific institution providing the loan.

Documents required to apply for a personal loan

To qualify for funding must submit all documents are:
- identity document and tax code
- Documentation showing the income situation of the applicant (payroll, CUD, etc.) in order to verify the real capacity of the customer to repay the financing
- last paid user that is a copy of your phone bill, gas, etc. paid.

How to Apply for a personal loan

order to apply for a personal loan is simply choosing to go to the branch office equipped with the aforementioned documents and apply for funding. In some cases, where permitted by the credit granting the funding, it is possible to sign the loan agreement online by completing a form specifically created which will be included in all Our data and earnings. In this case, once accepted the loan you will receive by mail the contract to be signed and sent together with all documents and personal income required at the headquarters of the institution providing the financing.

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'abroad. The loans with foreign currency in Italy

Lending terms stipulated in countries other than ours are often very beneficial. Precisely for this reason many people decide to borrow directly abroad, allowing them to receive these benefits. But not everyone knows that some banks have the ability to open foreign currency loans in making it possible directly from Italy enjoy benefits similar to those found in these countries.

When you decide to do, however, a transaction of this type is important to remember that the conditions of the loan is made directly in the currency decided. If our salary is € this means it must be changed in foreign currencies, U.S. dollars for example in the United States of America (USA), to be able to go to repay the mortgage payments.

relationships between different currencies are constantly changing and this can be considered as a real risk .

Loans in foreign currencies are recommended only and only to persons who are not afraid of this risk and who are ready to see any rise in times their monthly payment even twice its value.

The advice can be given to those who want to open a loan in foreign currency are:
-point periods in which the euro is weak so that you can pay off the debt so early without losing our money-choose
a mixed rate as a currency that is partially refundable in euro and partly in a foreign currency in case of a difference between them is particularly large.

See also:
- Comparison of fixed and floating rate
- rates of interest on loans

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Advantages of soft loans

provide concessional financing to the applicant of the proceedings cheap caratterizzati da piani di ammortamento snelli e a tassi d'interesse molto vantaggiosi. I finanziamenti agevolati possono essere sia prestiti finalizzati che prestiti non finalizzati nonché leasing e sono ricollegabili direttamente agli incentivi messi a disposizione dall'Unione Europea ai vari paesi con l'obiettivo di incentivare lo sviluppo delle piccole e medie imprese. I finanziamenti agevolati offrono la possibilità di ottenere elevate somme di denaro in parte totalmente a fondo perduto e in parte invece a condizioni agevolate e quindi vantaggiose.
Non sempre però i finanziamenti possono essere ottenuti perchè è ovviamente necessario essere in possesso di determinati requisiti. Spesso in realtà più che di mancanza di requisiti si tratta lack of experience of applicants who have not been able to choose properly the type of interest loan that suits your needs.

That's why you should always rely on an expert in the field who is able to carry out a cross-searching among the funds made available to European citizens and their project.

See also:
- What are the EU Structural Funds

- European funding grant


- Subsidised loans photovoltaic

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Elements for evaluating applications for loan from the bank's card

Not all loan applications are successful. The criteria that the bank assesses the various requests mutual reliability are

ability to make the repayment of the debt secured by real estate
possession of
The reliability of the subjects usually depends on their economic past. Those who have suffered such a protest can find themselves in a position of disadvantage that would enable him to obtain new financing. In these cases must be referred to a specialist in the field and do not rely on brokers instead often just try to resolve the situation with the falsification of documents. In these cases the situation could obviously only get worse. However, there are special loans and financing that may be required by people who have had problems in the past and will certainly be recommended by the bank.
To see if the customer has the ability to make repayment of the bank have to make some checks on his income. To be able to get a mortgage or funding income revenue should be constant and the monthly payment should not exceed one third of the value of income. These considerations are not useful really only for banks but also for the contractor so he can understand if the opening of the loan instead of just helping create more financial problems. However, there are also potential solutions in this regard. The income of the contractor can, for example, be integrated with the income of another family or you can opt for a different type of mortgage that might provide a lower rate for a longer time. The bank finally
requires additional safeguards to the simple monthly income. The warranty is more widespread as more solid is without doubt the mortgage on immovable property. The value of the mortgage can then be decided based on the value of the property.

The certificate of salary

Documentation mortgage

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over 65 and children under 3 years

The Ministry of Economy and Finance provides citizens with a Purchase Card worth 40 euro a month that can be used for food expenses, medical expenses or to payments of bills or gas. The Purchase Card can also get discounts at some stores and ask for subsidized rates for electricity for example.
The Purchase Card is aimed at two different age groups over 65

children under 3 years

Over 65 years
The requirements for the credit card application
are aged 65 years
Italian citizenship
board less than € 6,235.35 per year for people aged 65 to 70 years or equal to 8313.80 per year for people aged 70 years or Parian
not be holders of more than a consumer or non-electrical household or domestic more a consumer Gas
not to own more than one vehicle
not to own more than one residential property for more than 25% or a non-residential use building for a share of over 10%
not holders of movable assets worth more than € 15,000
not be admitted to nursing homes
not be detained in prisons

Under 3 years
The requirements for the credit card application
are no older than 3 years
Italian citizenship ISEE
equal to or less than € 6,235.35 per year
not be with her parents holders of more than one user or non-electric domestic home or more of a consumer gas
non essere insieme ai genitori proprietari di più di un veicolo
non essere insieme ai genitori proprietari di più di un immobile ad uso abitativo per una quota superiore al 25% o di un immobile ad uso non abitativo per una quota superiore al 10%
non essere insieme ai genitori titolari di un patrimonio mobiliare di valore superiore ai 15.000 €

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Rules for grants and loans to and protested

Le persone che hanno subito un protesto o un pignoramento possono incontrare molte difficoltà alla richiesta di un finanziamenti. Ciò è ovviamente dovuto al fatto che la loro affidabilità non è considerata sufficiente alla stipula di un contratto. Le banche possono controllare l'affidabilità dei loro clienti attraverso i dati delle Centrali Risks and therefore can know exactly where a person has had economic problems of this kind.
This does not mean that people who have suffered a protest did not happen to a mode of financing. Banks can in fact make use of a special funding to protest that is based on salary as collateral. The best choice for the customer and the bank is that of employee loans that involves not only the salary as collateral also loves the direct deduction of the amount of the installment from the salary. The bank has so certain that the customer has the option to pay and payment is made automatically each month.

Cancellation and update data from the CRIF

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Sources causes of the current global economic

In the months preceding the crisis, central banks had raised interest rates for moderation in production growth, real estate prices and the return of inflation. But in August 2007 has suddenly gained the knowledge that the rate increase was creating serious problems for a significant number of families no longer able to repay the debt with income steady or declining. Just this month that 244,000 Americans were not able to pay three consecutive installments of their mortgages have seen their homes go for auction or become property of the bank that had given him credit, this is a number more than double previous year and also a sharp increase compared to July. Many of those who remained solvent found that the value of their home was going under
the value of those loans. The view of the housing market has become even blacker, and the prospect of selling in the market for homes of defaulting debtors even more depressed housing prices have been falling and has discouraged the initiation of new sites, a heavy blow Whereas according to many, construction, and new technologies, was the cause of the brilliance of the U.S. economy. Many financial intermediaries that were unable to recover the funds were revenge on investors who had cleared their investment. In addition, the fall of the securities has not remained confined to the subprime sector but with tremendous speed involved in other markets. The need to increase liquidity in fact induced to sell the shares, whose prices seemed far too high compared to the fears of economic slowdown. It 'began with the escape from all those titles that seemed less reliable
. The crisis has spread so fast and so explosive in all financial sectors and throughout the world. To understand the subprime mortgage crisis and one of the worst storms of the last financial year which arises from severe disruptions on the loans granted to non-primary clientele (subprime) perché meno solvibile. La particolarità di questa crisi deriva dal non essere scatenata da fattori macroeconomici, come una recessione o uno squilibrio della bilancia dei pagamenti, ma da un grosso dissesto sui mercati finanziari; tale crisi finanziaria tende, invece, ad avere riflessi macroeconomici con un rischio di rallentamento dello sviluppo, più forte negli Stati Uniti ma rilevante anche nelle altre aree. Inoltre, benché l’innesco iniziale sia stato complessivamente modesto, il contesto dei mercati finanziari ha moltiplicato enormemente la deflagrazione. Non a caso il governatore della Federal Reserve Bernanke ha dichiarato che le autorità monetarie sono rimaste sorprese della violenza della propagazione. Il problema è che in questo will show a strong underestimation of risk by the central banks, not just American. The most serious consequence of the crisis is the loss of confidence in the transparency and reliability of the system of financial markets
. The interest rates low and constant in recent years have encouraged families and owners of wealth to invest in real estate with strong growth in house prices. This dynamic in place in many countries for several years has, on several occasions, concerned central banks, in particular the Central Bank of England and the Fed in the United States favorable and strong demand have led operators to provide financial increasing loans for the purchase of buildings and to expand credit in various forms for families and individuals unreliable in financial terms. The interest rates charged were higher than the ordinary customer but the income requirements for access were totally inadequate. The same intermediary, on the other hand, to protect themselves from the risks of subprime mortgages entailed, immediately resold them as securities (securitization), made very attractive to savers interest rates are particularly high. In this way the loans at risk, once repaid, would produce a gain
for the financial intermediary (the bank), which was released risk
for the investor. Il problema è che questo meccanismo sostanzialmente deresponsabilizzava la banca che concedeva il mutuo dal rischio di insolvenza, mentre incentivava la tendenza a trovare sempre nuovi clienti dei mutui, andando sempre meno per il sottile. Il risparmiatore, che acquistava il titolo, non aveva certo il polso della situazione; spesso per l’opacità dei titoli trattati; frequentemente non era neppure al corrente di avere a che fare con un’operazione di finanziamento dei mutui. Infatti era invalso l’uso di impacchettare i titoli assieme ad altri più innocui, facendo quelli che sono stati chiamati “salsicciotti” di titoli. I finanziamenti subprime davano luogo a catene di titoli che venivano rivenduti e rimpacchettati con altri titoli di natura completamente diversa. Il fatto è che come ha recentemente affermato l’ex capo economista del Fondo Monetario Internazionale Rodrigo Rato, le banche Usa hanno collocato sui mercati con strumenti complessi e poco trasparenti una cifra enorme che si avvicina a 1300 miliardi di prestiti. Lo stesso risparmiatore, desideroso di elevati guadagni era fuorviato da una valutazione molto generosa sull’affidabilità dei titoli da parte di agenzie di rating che, in palese conflitto di interesse, avevano assistito le banche cartolarizzanti nel costruire i pacchetti dei titoli. Il sistema con tanti salsicciotti avvelenati”, aveva un problema di inquinamento senza controlli efficaci.
L’affidamento alle agenzie di rating (Moody’s, Standard & Poor’s e Fitch) per il giudizio di solidità era mal riposto; sono abbondate le triple A, ad indicare un’ottima affidabilità dei titoli, per prodotti che ex post hanno dimostrato a dir poco di non meritarlo. La reputazione delle agenzie di rating è probabilmente la vittima maggiore della crisi; oggi vi è un problema di misura dell’affidabilità. Perché titoli del debito pubblico italiano o anche di tante imprese erano valutati molto meno di pacchetti di titoli con dentro obbligazioni spazzatura? Naturalmente questo pone un problema di come le scelte di acquisto dei risparmiatori vengono guidate nel sistema; più di qualcuno ha sollevato in Europa il tema di come avere la casa madre negli Usa sembra abbia led rating agencies to kindly americanocentriche choices. But at this stage the problem is broader: savers no longer trust their references before, but do not even know who to watch. E 'increased the uncertainty of the market and this has consequences because it increases the
fluctuations and increases the risk premium, that is, the additional interest rate
intended to offset the additional concerns. Ultimately the system
subprime underwriters had increased the distance between subject and in fact finanzianti. In cases where the debtors for some reason were not able to pay the mortgage repayments, the losses would not discharged on the bank donor the loan or on what had securitized bonds, but on, and many unknown, final holders of the securities.

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What is the deferred payment of the loan

The release of the deferred loan is precisely in the delivery of the agreed sum to the borrower, but at a later stage than that of the
deed.

This element can be for those who sell the property a disincentive to pursue the deal because in case of delayed delivery is difficult in general for the 'buyer convince the other party to conclude the sale of' property without at the same time find the money in hand. For

that the buyer will have to present to the seller that condition
delayed delivery of mortgage planning how they will implement the transmission of money already in the preliminary purchase proposal and in the act of sale. Some lenders to resolve this issue allow the borrower access to a pre-financing.


This pre-financing is granted for a short period of time and in an amount similar to that of the same mortgage.
This will involve some costs borne by the borrower but will return in the conclusion of the sale.

Another solution may be to agree with the venditore la stipulazione differita tra il contratto di compravendita e l’atto del mutuo.

L’iter in questione prenderà avvio dalla stipula del contratto di mutuo. Venditore,
Mutuatario, Notaio ed Ente mutuante si incontreranno in banca per firmare
il mutuo.
Il venditore in quanto proprietario dell’immobile firmerà l’atto come concessore
di ipoteca. Di contro ili mutuatario si impegnerà ad accreditare le
somme spettanti al venditore sul conto da quest’ultimo indicato.
Entro 10 giorni, dunque, una volta attuato il consolidamento dell’ ipoteca il contratto potrà venire sottoscritto.

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Correction cinnamon and counterproductive CRIF

La cancellazione sul SIC (Sistemi credit reporting) of CRIF (Central Financial Risks) is a process by which the Central Financial Risks are erased the traces of only repayable loans regularly.




The cancellation itself is counterproductive because when we ask for a loan from the funding body to which we turned, it analyzes your financial behavior by CRIF. In this case the presence of financing the outstanding balance as agreed timescales will induce lenders to grant the requested sum.




Ultimately all the positive data to make curriculum and financial incentives for the funding body to grant, for example, a mortgage.




Another thing is instead the correction of an incorrect figure. In this case, you just contact your financial institution who failed to make the report or by applying directly to the SIC.




We recommend that, before requesting the deletion of data, send the request for access to data in order to assess in advance what credit reports would be cleared by submitting the request.




claims to send the request for access can be found at www.consumatori.crif.com.




Alternatively please call 051/6458905.




The cancellation process is absolutely free.

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Sample scam or real estate speculation

Paul and Clare have decided to buy a house in Southern California, spending $ 400,000 in 2004. Thinking of selling it within 1 or 2 years would be inappropriate to take a mortgage loan for a period of 30 years. Then talk to John, their financial agent who offers him a loan 2 / 28 with zero down. It 'a kind of subprime mortgage in which there is a very beneficial agreement for the applicant in the first two years. Typically, the initial rate of interest, if any, is low and fixed for two years, after which the amortization schedule provides for an interest rate higher for the next 28 years (the rate is pegged to the LIBOR, London Interbank Offered Rate). In practice, this loan is sustainable only for those who are planning to refinance within the first two years later because the credit is set to rise dramatically. Bill and Susie are surprised by the fact that you can acquire an asset estimated $ 400,000 for nothing in return. Buy property, live a comfortable life, and after two years, they decide to sell their property.



Another couple, Joe and Cindy, who wants to buy the same house in 2006 is $ 600,000, are increasingly turning to John, the financial agent, and given that they also intend to sell it after a couple of years decide to enter into the same loan 2 / 28 Bill and Susie.



Now Joe and Cindy think they can sell their house after two years to $ 1 million under the current rate of appreciation. But begin to hear rumors of a likely collapse of the market. They call in the summer of 2007, a valuation and find that is only $ 550,000. We understand that will not be able to pay the amount as shall be amortized over 28 years with a higher rate.

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convenience cost comparison of fixed and variable rate mortgage loans and loans for

Comparing the fixed rate that varies with depth in the light are some differences that at first sight we would never have noticed. The type

Interest rate primarily affects the early life of the loan. A low interest rate during the first years of the loan in fact involves a considerable advantage at the end of the mortgage. This advantage is often so high as to eliminate the hassle of growth in the interest rate in subsequent years. This means that the variable interest rate is still favorable compared to the fixed rate of interest because it allows a lower rate during its early life of the loan.

Secondly, it is necessary to pay attention to the debt that has different performance depending on the interest rate chosen. In fact, if the interest rate is particularly low capital will be reduced in a much shorter time. This also means that the lapse has cost very low even when the interest rate is contained. Considering that the interest rate variable, although unstable, always offers a lower cost than the fixed interest rate is the interest rate variable can be considered in any case more profitable.

may be interested in:
- Foreign Mortgages

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Carabinieri policemen and financiers

Some companies have entered into loan agreements of with general commands of the police, the police and financiers in order to offer them loans. It is loans are characterized by being able to offer high-quality credit quickly. In the case of variable rate loan is also possible to use the APR or up to a limit beyond which the interest rate can not grow.

The policemen, financiers and cops can submit their loan application either by phone or directly online loans to these companies by sending the last paycheck, social security number and proof of identity. It must also be given a certificate of membership in the barracks or service issued directly by the command. The request can also be made by people who have just entered the body and those close to retirement. It is not require any kind of warranty.

Within an hour you know the outcome of the response and, if so, you can also already have a quote.

I documents for the signing of the contract is then sent via e-mail. The documents must be submitted for the appointment of the contract during which you can now receive a check that can cover up to 80% of the loan requested.

The loan can also be insured against the risk of living and employment so that you can protect both the company providing the loan that the family of the applicant.

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Loan agreement

Nonostante vi sia una sempre maggiore voglia di trasparenza i contratti di mutuo sono contratti lunghi e spesso anche complessi da capire. Fortunatamente i clienti hanno la possibilità di prendere visione del contratto prima del giorno della stipula potendo così leggerlo con assoluta calma. Cerchiamo di vedere quali sono le voci che tutti i contratti di mutuo hanno in comune:

-parti interessate ossia i soggetti coinvolti nel contratto (finanziatore o banca,

-parte mutuataria o cliente, parte datrice di ipoteca, fideussori)

-oggetto ossia l'ammontare del mutuo

-obblighi per i mutuari ossia tutto ciò che i mutuatari sono costretti per legge a fare

-condizioni di rimborso namely the length of the loan and how they should be reimbursed

-interest or the type of interest rate and the way it is calculated

-duration and amount of the mortgage-

costs that borrowers are forced to support

-conditions for early repayment

-domicile or the address to which all must be sent any notices

-tax or tax on the loan to be paid

-contract or the set of clauses on the loan provided by that bank-specific

indivisible solidarity obligations

-option by the bank to request a further guarantee in case of loss-

value of the initial warranty

-possibility of termination
-loan disposal procedures that transfer of credit by the credit to third-

disbursement of the loan or the way in which the mortgage is paid

-repayment plan that is all the specific characteristics of the mortgage

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Incentives mortgage first home for the second time

The tax office has announced that it is possible to enjoy the facilities for the second time for the first home. The newsletters has been examining the question of a person who had bought the first house before the marriage. The house in fact, acquired a suo tempo, non si rilevava più sufficiente per le esigenze familiari del soggetto e della consorte.

Il caso in esame costituisce quindi uno storico che potrebbe permettere anche ad altri di accedere a tale vantaggio. Tuttavia va considerato che l'appartamento deve risultare realmente inadeguato alle esigenze della nuova situazione familiare e non sarà sufficiente alcun principio di comodità (lontanana da scuole o dal posto di lavoro)
Vedi anche:
Mutuo prima casa
Detrazioni fiscali interessi mutuo
Mutuo al 100% come chiederlo e ottenerlo

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Cancellation and Termination mortgage loan Article 2878 generic or

Sebbene apparentemente cancellazione e estinzione di un'ipoteca possono rappresentare la stessa cosa(ovvero di liberare il debitore da ogni impegno di debito) in realtà esiste una differenza pratica fra i due termini.
L'estinzione di un'ipoteca infatti prevede che, anche se priva di ogni valore di credito, nella forma questa però continuerà a figurare, anche se con una presenza puramente apparente, ovvero come se fosse un elemento cronologico.

Per tale motivo nel caso di immobili è bene curarsi di liberare l'immobile stesso di annotazioni di questo tipo, effettuandone la cancellazione una volta estinto il debito.

La cancellazione di ipoteca avviene in più modi, secondo il tipo di Ipoteca.
La cancellazione dell'ipoteca volontaria can be obtained automatically (if on a mortgage) that by means of a deed.

To use the automated system, Bersani Law No. 40 of April 2, 2007, the bank must notify the etinzione of the loan offices of responsibility.
This will avoid the involvement of the notary and the associated costs.
If we make the cancellation by a notary then they will draw up an "act of consent to the cancellation of a mortgage."
signing the creditor claims to be in favor of the annulment of the mortgage. The costs
are charged to the borrower.

the case of mortgage judicial declaration of the creditor rather than to be completare una procedura presso il Tribunale di zona che disporrà l' "ordine di cancellazione" emesso dal magistrato. Dopo qualche tempo l'ipoteca verrà cancellata.

Approfondisci con:-
Ipoteca legale o giudiziale

Il mutuo ipotecario

Importo e significato dell'iscrizione ipotecaria

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What are the cash balances, Accounting and stock

Spesso durante la lettura di un estratto conto o della lista movimenti di un conto corrente, di un carta di credito o ricaricabile come la postepay capita di imbatterci nei termini Saldo Liquido, Saldo Contabile e Saldo Disponibile. Queste voci indicano tre differenti stati del nostro saldo.

Il saldo LIQUIDO indica infatti the amount stated in euro on our behalf or on our paper on which interest will be calculated.

the account balance is instead applied to the transactions recorded and determined instead to order the various movements depending on the date on which you are counting.

the available balance indicates the amount actually available to the holder of financial instrument (the account or card) and is determined to order the various movements on the basis of the availability date, a date which is not always immediate.

willing to put a practical example just yesterday I paid with my postepay the renewal of some internet domains (90 € in total). The figure was starting on my postepay of 120 € at the end of the transaction and account balance had € 120 € 30 and available balance. Of course, on completion of my account balance and transactions are available to fit together returned.

See also: -
Prepaid cards. How

credit cards in the mail

virtual cards

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difference between nominal and effective rate

There are two different types of rates that the nominal rate and the actual.

rate is a nominal rate that takes into account only the interest rate and escluisvamente. The actual rate

is a value that takes into account the possible advance of the annual interest fees. The actual rate may therefore be considered a more complete than the nominal one.

So there is a difference between the nominal rate and the actual number to be much wider as the payment is split up. Obviously the effect is particularly important when the numbers are low but becomes increasingly important, however, when it comes to very high figures.

The APR or the Annual Percentage Rate is based on its actual rate and for this reason that it is much more realistic.

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Defining Reverse factoring or factoring indirect

Factoring indirect or reverse factoring è un'operazione in cui, a differenza delle normali operazioni di factoring, è dal debitore ceduto che parte la proposta del servizio da fare ai propri fornitori. Il reverse factoring è un'operazione che viene utilizzata soprattutto nelle relazioni con gruppi industriali di grandi dimensioni in modo da creare degli accordi di convenzione con il Factor nella maggior parte dei casi di carattere esclusivo. Anche i debitori di dimensioni medie possono però farne uso.

I vantaggi dell'utilizzo del reverse factoring sono molteplici
- il pagamento ai fornitori può essere razionalizzato in modo da creare delle economie di scala amministrative
- è possibile ottenere un ristorno dei compensi economici che sono stati ottenuti attraverso i rapporti con i fornitori concordabile completamente con il Factor
- il factoring, sia nella forma pro soluto che in quella pro solvendo può essere utilizzato come strumento di negoziazione commerciale che abbia come obiettivo vantaggi economici sul prezzo di acquisto oppure termini di pagamento migliori

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Defining What is Factoring and Factoring contract

Il factoring è una tipologia di negoziazione tra due soggetti che avviene attraverso la stipula di un contratto che impegna un soggetto a cedere i crediti della propria attività imprenditoriale ad un altro soggetto chiamato factor. I crediti impegnati non sono solo quelli attuali ma anche quelli futuri.

Il soggetto che ha ricevuto questi crediti, il factor appunto, si impegna dall'altro lato a provide a range of services. Services can be of various types such as accounting or management, collection of debts or loans. The factoring agreement must be regarded as the instrument through which you can factor by offering these services to its customers.

There are two ways to transfer the sale of receivables with recourse
gives the client the risk of insolvency
the non-recourse sale provides that the insolvency risk passes to the factor

Definition of Factoring

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BOLOGNA: DISCOVERING Andrea Pisanu


The last of the five acquisitions made by the Bologna in the winter session
market, was presented this afternoon in
Casteldebole.
Andrea Pisanu was born in Cagliari January 7, 1982, right-sided midfield
by scent of goal, following the whole rigmarole of youth in
Sardinian society and begins in the top flight just 16 years against
Juventus in Turin, September 20, 1998. Pisanu
reiterated its respect for the coach that allowed him to Ventura
so young to set foot in Serie A.
After a long time with the Sardinian club, interrupted by a brief parenthesis
to Siena in Serie C in 99/00, Pisanu
moved to Verona where he stayed from 2001 to 2004, collecting 26 appearances and 2 goals
.
So the loan to Varese, where scores 13 appearances and a network,
finally landing at Parma in 2004, where between series A, B, and a few appearances in Uefa
, collecting 75 appearances and 8 goals.
poorly used by Guidolin, and we are today, is part of the
exchange of ownership, between Parma and Bologna, with Valiani,
moved to Duke's land.
Pisanu has denied that his lack of recent use was dictated by
optimal physical condition, in his opinion the cause of his
sipped use are essentially the result of technical choices
coach.
Rarely has also held the role of right-back, occupied by the Rays
Bologna, Pisanu has admitted that the last appearance in
role of external defense, it was during a distant Parma
of Stuttgart Uefa Cup.
Very strong is the link between Andrea Pisanu and the Director General
rossoblu Luca Baraldi, the latter said he was very pleased to have concluded
the negotiations that led to the midfielder in Bologna, la
stima fra i due è reciproca e risale al 2004 quando Baraldi scommise
su Pisanu portandolo in gialloblu dopo l' esperienza in serie c al
Varese.
Nello scacchiere tattico di Colomba Pisanu si posiziona come esterno
destro di centrocampo, dove lotterà per una maglia da titolare con
Buscè, anch'egli arrivato a gennaio.
In bocca al lupo Andrea!

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BOLOGNA: A MARKET UPDATE ON

Non si può di certo affermare che il mercato di riparazione rossoblu
sia stato deludente, il direttore generale Baraldi e il direttore
sportivo Salvatori, hanno concluso ben 5 operazioni di mercato,
sebbene il budget a disposizione fosse, a detta dello stesso Baraldi,
pari allo zero.
A real turnaround than 12 months ago, when they were badly
spent € 7 million for the label of
Oswald, that even if not used with a lot of continuity, has fallen short of expectations
. The Argentine is on loan to marry court
Pochettino, coach who apparently called him on the phone every day
to convince him to go to Zaragoza. In addition
Argentine parties are also in German and Vigiani
direction Reggio Calabria, Valiani to Parma and Bombardini definitively
all'Albinoleffe, the latter a few hours after the market closes. In
entry after the arrival of the outside right midfield Busch
Baraldi scored another colpo, il giovane ugandese
nazionalizzato tedesco, Nsereko Savio classe 89, descritto da tutti
come molto promettente, miglior giocare dell'europeo under 19 del
2008, di proprietà della Fiorentina, si mise in luce nel Brescia,
per poi passare al West Ham e infine ai viola. Savio arriva in
prestito con diritto di riscatto per la metà del cartellino
.
L'operazione che ha già dato i suoi primi frutti, è stata quella di
Francesco Modesto, terzino sinistro per sua ammissione in conferenza
stampa, ma che Colomba ha già inserito contro Bari e Chievo come
esterno di centrocampo, ottenendo ottimi risultati, soprattutto contro i
veneti.
Con il Parma è stato intavolato uno scambio di prestiti fra Valiani e l'esterno destro Pisanu, Baraldi ha smentito l'ipotesi che il Parma
abbia versato nelle casse del Bologna anche 200mila euro per la
trattativa.
Non va poi dimenticato l'arrivo in prestito di Davide Succi dal
Palermo, ragazzo nato a Bologna che ha finalmente coronato il suo
sogno, quello di vestire la casacca della squadra per cui fa il tifo,
va a sostituire il partente Osvaldo aggiungendosi all'attacco
rossoblu.
Scambi minori sono stati quelli di Pasi, classe 90 al Parma in cambio
del coetaneo Elia, che si aggregherà ai compagni della primavera per
il torneo di Viareggio, ma che giocherà al Bellaria fino a fine
stagione. Da segnalare l'arrivo di Capellini dal Cesena sempre per la
primavera.
È stata riscattata la seconda metà del cartellino di Gimenez, giovane
che, dopo aver passato quasi un intero girone inspiegabilmente in
panchina, sta dimostrando qualità tecniche non indifferenti, e che ora
è totalmente di proprietà della società felsinea.
Colomba ha così una rosa con un'età media inferiore, ha diverse scelte
per quel che riguarda le fasce Pisanu e Buscè a destra e Modesto a
sinistra, senza dimenticare il promettente Savio.
Concludendo, un mercato di tutto rispetto per il Bologna, il cui
obiettivo resta la salvezza, un plauso quindi a chi ha operato in
condizioni ecomiche proibitive, ragione dell'ampio utilizzo della
formula del prestito, migliorando indubbiamente migliorato la rosa.
Se la proprietà avesse solo tirato fuori qualche milione, si sarebbe
potuti arrivare anche all'ingaggio di un regista, di cui il Bologna è
privo.
Importante sarà capire il ruolo che assumerà Baraldi di qui alla fine,
che ha un contratto fino a giugno a 3000€ al mese, e se la sua
permanenza sarà legata alla permanenza di questa proprietà o meno.

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MID-SEASON - THE CENTENARY Rossoblu


È un pò che non scrivo, anzi diciamo che ho proprio trascurato il blog per tutto il girone di andata, d'ora in poi prometto we'll hear more on time.

We left in September with the upcoming celebrations for the centenary rossoblu, and that is what I want to talk.
Well, the weekend of 2-4 October was something really spectacular, I anticipate that the date of the fourth remains difficult for me to forget.
It started Friday with two-stage festival, organized by Menarini, I saw great champions of the recent past, well etched in my memory, others less so, because of an earlier age to mine. In short, a
amarcord for many that the time they have lived in the first person from the stands, and a unique opportunity to see many young people to mix old glories and old songs.
The curve has in fact revived much of the vocal repertoire than once abounded incitement to Renato Villa Villa, for all the myth, the striker arrived from Sweden, Kennet Andersson and the man who everyone seemed to have made goals Beppe Signori (I thought I saw mark Gentlemen ..), Klas Ingesson also struggling with a disease has been mentioned, now it seems to get better. At midnight the
Andrea Costa was literally burned to the warmth that has always characterized the 100 years, just enjoy the photos, I do not think there's much to add. Unfortunately for
increasingly repressive laws, unless of plot twists, there never will see you and relive the curve as it once was.
strange destiny, to celebrate the birthday knowing that the next you can not use the candles to celebrate that evening went a little way.

The best is yet to come though.

"We play at home on October 4?"
"but whoever we play against Centenary and at what time?"
"but we do anticipate to Saturday?"
Location: forumrossoblu, late summer 2009, these questions are nothing more than forum posts of fans anxiously waiting for what will become the best choreography ever.
And I was in turmoil, what you believe, in fact I read and learn from the forum that will hold a meeting open to all to organize this choreography. I do not think about 2 times and message with my friends Balotta, because at this meeting, since it is open to all fans, you can certainly miss.
I have rarely seen a team spirit and fellowship as a bowling club that night, the fact is that we immediately agreed to cooperate for the success of the event-choreography. You

Genoa Bologna the week before, the game's centenary, and under the tower of Marathon is materializing something just for the sake of the BFC can happen, about seventy people are preparing rossoblu twenty thousand flags, it's amazing the strength that we combined in those moments, I know some other forums including the mythical ctb.
Come per miracolo in 2 giorni ventimila bandiera sono pronte, non resta che distribuirle, facile penserete, non proprio, perché si chiede qualcosa di più:leggere il mitico foglietto e lasciare un'offerta libera.
Così la mattina di domenica alle ore 10.30 io e i miei amici insieme a altre cento persone, entriamo allo stadio con un pass, che ho tutt'ora appeso in bella mostra in camera, per quella che sarà una mattina di lavoro intenso, di spiegazioni sul come fare, sul quando sventolare.
Ed ecco passarmi davanti agli occhi gli anni della mia infanzia, di quando dai distinti, dove eravamo sistemati quella mattina, da piccolo guardavo alla mia destra verso l'Andrea Costa.
Come non rivedersi negli occhi di quei many children happy to receive the flag as a gift, a gesture that perhaps made them sure, if they ever had any doubt about which was the right team to cheer. When
now missing 10 minutes to 15 stewards cleared and made us tired but happy I went to enjoy the show in Bend.
strange sensations when climbing stairs, as being complicit in a show that is about to materialize, but still no one imagines it literally.
As the banner on the track stood up, slowly the whole stadium is colored, it is not easy to describe what you mean, judge for yourself.







FORCE TO END BOLOGNA

I want to thank those who made it possible that children from outside the groups could live this experience. A special thanks to Hugh of ctb