Government
In the past five years, Venezuela has approved a series of measures with the purpose of giving access to families with fewer resources to finance, through the system of housing policy. This is how we can observe as they have passed laws in the field of housing and habitat with the purpose that the population can access loans of social interest, such as protection of law to the mortgagor, law of the governing regime of housing and Habitat, the instructions for the purchase of housing with resources from the Fund of compulsory saving for housing (FAOV), the rules and regulations for the granting of credit for expansion, remodeling and self-construction of main house and others referred to the social interest rates. From the legal point of view, there is a structure that could allow the majority of the population, access to these resources. However, it is important to determine if indeed people can easily access financing for the purchase of your main home. In Venezuela, there is currently a demand for housing units in order of 2,000,000 of housing, for which the national Government is committed to produce 200,000 units per year. For the fiscal years 2007, 2008 and 2009 were built 101.576; 114.653 and 108.518 homes, respectively, which is evidence that the goals are not fulfilled and that for this year it is expected a decrease in the units produced, so demand is well above the offer. On the other hand, it is necessary to emphasize the resources available in the system of housing policy are not sufficient to meet all the applicants financial resources, since they reach for the purchase of approximately 45,000 homes, from what is clear that much of the amount of credit records do not have approval.
Will then be asked: can I get a loan to buy my house? Let’s say that there are many people in your same situation and that they will be competing to successfully achieve the purchase of your home. The important thing here is to prepare properly the credit record, complying with the requirements demanded by the banks, so that to be reviewed by the credit analyst, does not suffer any delay by the inadequate presentation of documents or because they were not presented in the time periods laid down by the legislation. There is the importance of a proper advice on housing policy, for the purposes of that qualification for mortgage credit is a fact.
A time a mother was to place its son to sleep and using to advantage one of the rare moments that had to be together, since the work of it consumed its time all, it decided to read a history for the son, this in turn in the height of its five years, was better to read now for it while still it was time, before the girl grew and the time finished. The mother caught a great rose book and read for the son a classic history on a princess any that in the end of the book finished living happy forever to the side it its prince hero. The illustration of the book showed a pretty shining castle with an immense well drawn rainbow the deep one. The mother verifying the intellectual progress of the son passed then to ask: _Voc knows that drawing is this? What the son answered: a castle. the very proud mother: Muito well. In Brazil it does not have many castles, has more in the Europe. They had been constructed in another century, you know what it is a century? See mother, is one hundred years.
Nobody opens the door, with much fear, and the dog is died in the following morning. The gold of the Jesuits At the time of the missions, the Jesuits who had come to catequizar the indians of the region had brought obtain all the luck of treasures. For security, they had decided to embed them. To mark the place, they had planted a tree. As it had many deaths in elapsing of the time where they had been here, also in confrontations with the indians, many of these hiding places had been intocados.
Then the eyes of both had been opened, and had known that they were naked; had sewn figueira leves, and had made for itself aprons. By means of so clear affirmations as somebody can you say that those fruits did not have to be able, if was the proper Gentleman whom it determined in Genesis; 3; 22,24 Then Mr. Deus said: Here it is that the man is as one of us, knowing the good and the evil; however, so that it does not extend its hand, and it also takes by the tree of the life, and eats perpetual and alive, Mr. Deus, therefore outside launched, it of the garden of the den, to cultivate the land by that it are taken. Launched having except the man, put querubins to the east of the garden of the den, and an inflamed sword that walked around, to keep the way of the tree of the life. Many times we see in the churches some brothers if strengtheing the Maximum to be noticed for the controllers of that congregation, and who knows, if to become shepherds. Many times these efforts are moved by pure personal interest. Unconsciously, nor they know that they are in disobedience.
San Jose Time