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THE RETURN OF THE COSTS OF CONSTITUTION OF A LOAN

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Claiming loan formalization expenses is becoming an increasingly widespread practice among Spaniards who have or have had a mortgage. This is due to the generalized attribution with which the banking entities charged their borrowing clients, all the expenses that could be generated from the contracting of a loan. They established conditions drafted unilaterally by them and imposed on their clients. Contracts with this type of wording are called general contracting conditions. When the clauses that contain said conditions violate the provisions of the regulations that regulate them, they are liable to be classified as “abusive”. With this name, the judicial bodies are qualifying the clause that contains the attribution of the mortgage formalization expenses and that is usually a fifth of the deed. Through it, the borrower is made responsible for the expenses of notary, registration, management, appraisal, and the tax of documented legal acts, among others. Likewise, they usually establi...
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Water Your Farms Using Solar Energy

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As of 2020, in the European Union, 20% of the energy consumed must be of renewable origin. For this reason, the agricultural sector has proposed to lead the change and there are already many farms that are using solar energy to irrigate their crops. The irrigation using solar energy is the use of an unlimited resource, solar radiation to generate energy that is used to power the pump system and electrical installation systems watering operation. HOW CAN YOU WATER USING SOLAR ENERGY? It is necessary to have an open space to place the photovoltaic panels. The surface depends on the power of the system to be installed, but space does not matter if it is large or small, these modules adapt to any area. It must be taken into account that the way of watering changes compared to the conventional way, if it is used only with solar energy, the watering schedules will have to be changed. It is advisable to water during the daytime. The most important thing is that this type of irrigation has gre...
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HOW A REAL ESTATE INVESTOR MAKES MONEY

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 In real estate investing, people are usually unaware of how income can be generated. An investor in real estate must be clear about the concepts that we will explain below. I mean that stocks historically provide an annual rate of return of about 7% and bring few drawbacks. You buy and sell through a broker and earn or lose the difference, minus their commission and taxes. Comparatively, the securities of real estate companies that are listed in the stock markets historically give income below the average, which can be around 5% of annual appreciation, having to make a significant effort to monitor.  So, do you think that investing in real estate companies in the stock market can be a good investment? Well definitely NO. Now I will explain why and what we think of Cat Real Estate. Once you start taking action, your wealth creation will begin. I will show you below. Let's see ... investors who invest directly in real estate commonly earn total rates of return between 30% and 4...
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