how to get financing from your bank 
The current economic situation has led to a tightening of the banks when granting mortgages, refinancing or credit. Today we give you some tips to increase the chances that you grant or loan refinancing.
1) home ownership
If we get a refinance it is critical that we have any property or property to ensure the operation and make us of collateral. Usually it is preferable that this property is a house, but is becoming more common to be put in commercial endorsement, industrial, and some types of terrain, especially if these have been classified as urban. Regarding the latter, usually the land does not meet these criteria are often denied by financial institutions. An important thing to know is that housing can also be rented to others, although this can influence somewhat the loan application, since we could lower the risk limit on the appraised value. In the case having no property, can enter the operation of a family member or acquaintance. In this way we get the loan, and ensure the operation of housing.
2) Income
revenues prove we can be both payroll (working party) as an independent income, or income as well as a pensioner, or grant temporary or permanent disability. Sometimes the financial agent can also accept company certificates relating to overtime and productivity bonuses. Either way, the quota to be faced in each payment should not exceed 35% -40% of the total income (including all holders who enter into the transaction) when to refinance debt. That is, if we ask more than 35-40% of what we are winning (at least the part that can be justified), we reduce the chances that the bank will grant it. This variable is called debt ratio or debt capacity.
3) appraised value
Although the above points are key, perhaps the most important is the assessment that we make on our house, as this will be that we open the doors of a refinancing. This is a must, and depending on their results, the bank sets the value of the loan. This amount may also vary depending additional guarantees that we present. Generally, banks for a debt refinancing transaction typically provide a maximum of 80% over the appraised value if the property provided as collateral is a home.
4) Other things to consider
If when asking for a refinance we are in a database of delinquent Asnef type, Rai, Experian, or if we have a foreclosure problem, it is possible that the financial institution or we are denied credit, or give us a maximum of 80%. Another aspect that is often considered an entity if a customer has a permanent contract or a contract temporary.
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Who must file income tax returns? 
Are we required to apply for the draft of the rent? What is the limit?
Every year around this time comes to present the income statement, a procedure somewhat annoying and often costly for taxpayers.
However, there are many people who do not know whether or not to report. Are often required and many others is recommended because they may return money.
Therefore, the first and indispensable for taxpayers to ask if is required to declare income tax. Or through the official website of finance or by navigating to the nearest office.
should know that there are several exceptions for which there is no need to present and therefore not break the law. Everything will depend on income, deductions and annual source, in this case, the exercise for 2008.
So, you have to know that returns are secured in the following cases: the purchase of a home, renting a property, a business savings account or have made contributions to heritage protection of persons with disabilities pension plans, plans provident insured pension plans and insurance business unit that will reduce taxable income. Attention will also be deductions for maternity or adoption.
of the tax declaration can go two cases to confirm the draft. On one side is negative, receive a refund from the Tax Office, or positive, ie to pay.
And who is free from this process?
taxpayers who received income in 2008 below $ 22,000 gross for a single payer.
If the record more than one payer will be the sum of the sums received from the second and not exceed 1,500 euros.
This is very important, because it means that virtually most pluriempledos must confirm the draft Income Tax. However, it is likely that this result is positive and have to pay.
If that amount exceeds the total income for work performance should be less than 10,000 euros. For example, a person who has changed his company throughout the year, although income does not exceed 22,000 euros annually, is nearly 100 percent forced to testify.
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TRAINING IN TIMES OF UNEMPLOYMENT 
What to do during the strike?, Apparently the question is obvious as many answer that will be your main job search activity. However, there are other activities that can be considered as alternatives to search for work such as training.
The training we will provide an opportunity to become more competitive and attractive to companies seeking the perfect candidate to fill a new job, hence the importance of considering additional training or extra time that we have during stop . I had a friend, by way of example, following English classes in the evenings and the training received does not cost anything because it is one of many programs that are subsidized. Searching
information on training the network during the strike came in the question and answer section of the SOC (Servei d'Ocupació a Catalunya) details of the service provided by this institution for the training track. Importantly, the provision of training not only relate to people who are on the dole but for those who are active, perhaps some of you you did not know. I hope the information will be useful for ...
QUESTIONS AND ANSWERS
I have heard that the SOC will give loans to unemployed people for training. I think they are called "contract of training for work." What exactly and I have to do to apply for one?
The program is called "Training for Work Credit." El Servei d'Ocupació de Catalunya grant loans for a minimum amount of 1,000 euros and 6,000 euros maximum, without interest, repayable within four to six years, with a year grace period (ie the first year is not any tax returns.)
The loan amount will cover the share price training and 10% additional material expenses or other expenses related to attendance and completion of the course.
The loan was granted under a process of personal advice to the unemployed: when a counselor / a of a workshop, identifies an educational need that implementation would improve the employability of the unemployed, if this person meets certain requirements, prescribe your realizción and may apply for the loan.
Volunteers have to be 18 or older, bring a minimum of one month enrolled in the Servei d'Ocupació de Catalunya and worked a minimum of four months over of the two years immediately preceding the application.
prescription are excluded from the training activities for university officials and regulated training, formal training except for that if you can borrow.
Examples of types of training that can be financed with these loans are, among others, language courses, courses for any driver's license, Masters unofficial universities or other institutions, graduate from universities or other institutions, courses training for employment or formal training courses.
To access credit, people are unemployed and can be directed to your Work Office. Applications can be submitted until 01.11.2009.
be allocated a total of 100 million euros. These appropriations are intended to stop anyone from forming due to lack of sufficient financial resources, that nobody is left behind due to lack of education and training.
All information on this program is here.
(TRAINING) What training is for trainers?
Employment Service of Catalonia, in collaboration with the European Social Fund, is launching a training program for trainers vocational training for employment (vocational and continuous) with the dual objective of contributing to the training of trainers, both methodological and technical, and improve the quality of training activities aimed at all workers in Catalonia both unemployed and employed.
The training of trainers program falls within the guideline to improve the quality of training and thus improving the skills of working people, whether they are unemployed or in active. Thus, from the Employment Service of Catalonia experts are expected to teachers at all centers approved training to participate and get the most use. Methodological training
Taught in the form of e-learning, com accompanying guardians, through the Internet learning platform SOC eCIFO (http://www.ecifo.net).
are required to apply for participation in the courses: being a trainer of professional training or occupational training. In the process of selection of students is taken into account the order of presentation of applications.
The course catalog has two specialties: Virtual Trainer
The aim of this course is to raise awareness of the elements virtual basic training. The student will acquire both theoretical knowledge and practical strategies necessary to work as a trainer or virtual trainer.
The course consists of 4 modules:
* Fundamentals online training and their characteristics.
* The trainer online.
* The online student. Characteristics of collaborative learning. * Action
teachers in a virtual learning environment.
find the full course program in http://www.ecifo.net
Training Programme for Trainers
Target and trainers of vocational training for employment (training activities, workshop schools, etc.) who wants to deepen the skills needed to develop their teaching.
The course consists of 4 modules to be deployed as a training schedule with the following contents:
* Trainer's professional profile.
* Programming and management of training proposals.
* Skills and teaching strategies.
* Evaluation of learning.
The full course program can be downloaded http://www.ecifo.net
technical training are aimed at teachers who provide professional training in any of the two subsystems: basic vocational training and vocational training for the occupation.
are eligible to apply for participation in the courses: being a trainer of professional training and have the input level required for each program.
addition, selection criteria will be taken into account: the order of presentation of applications and the relationship of the requested action with the specialty that the trainer.
Technical Improvement Plan trainers of the Training Plan and Professional (FIP) 2007
The Directorate General of Occupational Training Management of Public Employment Service, collaboration with the Autonomous Communities, has published the Plan of Improvement Plan Technical Trainers FIP, with the objective of responding to the needs of development and technical updating and teacher trainers.
The plan is aimed at people who perform teaching duties FIP Plan (occupational training, workshop schools, craft workshops and Occupation), which, if they meet the requirements, may apply for financial assistance for travel expenses , accommodation and / or maintenance. Training is provided on the National Centers for Vocational Training.
In Catalonia, is currently training technique is taught in Sant Feliu with courses CIFO family of mechanics.
More information about the technical training and on this website www.inem.es in training of trainers.
(TRAINING) I would like to know the training offered by the collaborating centers. Where did I can consult?
can view the training offered by the Collaborating Centres of the Department of Labor, with open enrollment period in the application found on the website of the Employment Service of Catalonia (SOC).
This application offers the ability to search by specialty courses, by province, by district and by municipality.
can also download the Guide 2008-2009 Occupational Training Courses here.
(TRAINING) Who can enjoy the training offered by the SOC?
training courses offered by the SOC are aimed at workers in active or unemployed. However, different tipus course is aimed at people in a different situation:
active workers * People * People
unemployed workers
* Training for trainers
If you want to know what courses are available for each profile, see Question next.
(TRAINING) What type of training offered by the SOC?
1. Vocational Training. These courses are designed for active workers or unemployed. Include theoretical training and the possibility of internships in companies and in some cases, stays in training courses abroad. Are conducted by the Centers of Innovation and Occupational Training (CIFO) of the Employment Service of Catalonia.
2. Occupational training. Brings together the courses are conducted in the homes of offices, workshops and schools in the workshops. Are intended to provide training and work to unemployed people while participating in a public utility project or general interest related to the conservation and restoration of heritage and natural environment, and help them join the labor market. Organized by municipalities, foundations and nonprofit entities.
3. Continuing Education. Established to ensure training throughout working life. Managed by the Consortium of Continuing Education and organized by associates. Fully funded. Are directed at employed workers.
4. Training for trainers. Courses for trainers of vocational training for employment (occupational and continuing).
(TRAINING) How I can find courses training?
Above all, know that employment offices provide care services that can help you choose what training is more suited to their curricular needs and market demands.
addition, the Office website to find a job search courses.
can also download:
* The Guide to the training offered by the Centres of Innovation and Occupational Training of the Generalitat de Catalunya
* The Guide to Occupational Training Courses 2008-2009.
(TRAINING) What courses are available if I am currently working?
tipus
Two of courses for active workers:
* Vocational training: Recycling. Courses for both active workers pimes a large company. Subsidizes 52% of overall business costs for the participation of workers in training. More information.
* Continuing Education. Established to ensure training throughout working life. They are managed by the Consortium of Continuing Education and organized by associates. Are fully supported and both can access the self-employed as employees.
or cross-training and social economy. Cross training to any employment such as language, human resources, computer applications, etc.
or sectoral training. Improving the knowledge and skills in a specialized in specific sectors.
View more information you may need on continuing education.
(TRAINING) Where I can find out about courses?
On the website of the Labour offices will find a course finder.
The address is: http://www.oficinadetreball.cat
(TRAINING) What courses are available if I am not currently working?
There are three types of courses for unemployed workers and in all cases is essential to be enrolled in the Labour Office as unemployed.
* Vocational Training. Courses for unemployed persons with the aim of promoting them in the skills required for a specific job. Include theoretical training and the possibility of placements.
are conducted by the Centers of Innovation and Occupational Training (CIFO) of the Employment Service of Catalonia and the network of public and private partners.
* Occupation Training. Brings together the courses are conducted in the homes of offices, workshops and schools in the workshops. They aim to provide training and work unemployed people while participating in a project of public utility or general interest related to the conservation and restoration of heritage and natural environment, and help them join the labor market. Organized by municipalities, foundations and nonprofit entities.
* Other training programs. To improve the employability of unemployed people registered with various Employment Service of Catalonia offers programs tailored to the specific training needs and guidance of each group. Working in his office will inform you of the options.
(TRAINING) What I have to do to enroll for a course training?
have to go to the training center that teaches the course. Contact information can be found in offering courses related to the provision of courses or directly into your office job, where to get more personalized information.
(TRAINING) Do you have any type of compensation the courses?
All information on scholarships and grants SOC can be found in the Financial Aid section of the website of the SOC.
(TRAINING) Do you have any cost to the students these actions?
No, are fully supported actions by the Service Job de Catalunya (SOC), which is why students and pupils do not have to pay any amount under any circumstances.
(TRAINING) I can make a training course if I have a sick?
To take a course as a stand must be registered with the Labour Office as unemployed seeking employment. If you have a sick note to say that we do not currently registered with the Labour Office in search of employment.
(TRAINING) I can make a training course if I am retired?
To take a course as a stand must be registered with the Labour Office as unemployed in job search. If retired means not currently registered with the Labour Office in search of employment.
(TRAINING) I am a stranger, "I can sign up for an occupational training course?
Yes, provided you are enrolled in the Servei d'Ocupació de Catalunya as a job seeker. This is the fundamental requirement to perform a course of vocational training.
Foreign persons registered as unemployed in the SOC can access and participate in all programs that are promoted from the SOC aimed at facilitating access to the world of work.
VIA - oficinatreball.net
The current economic situation has led to a tightening of the banks when granting mortgages, refinancing or credit. Today we give you some tips to increase the chances that you grant or loan refinancing. 
