¿ Cómo saber si tengo cláusula suelo?

  Esta pregunta se la formulan a diario miles de españoles, y no es fácil saber cómo encontrar la información adecuada pues hay demasiada información circulando, alguna muy técnica que puede llevarnos a no saber bien cómo identificar dicha cláusula. Una de las primera opciones es utilizar una calculadora online, como por ejemplo nuestra calculadora online: calculadora/simulador cláusula suelo, pero también puedes hacer unas simples comprobaciones que te explicamos a continuación.   El primer paso es localizar tu escritura de préstamo hipotecario, el préstamo es un contrato diferente a la…

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¿Qué es la cláusula suelo?

¿Qué es la cláusula suelo?   La cláusula suelo se ha convertido en el tema jurídico de rabiosa actualidad, con millones de afectados en toda España y con muchos despacho de abogados asomándose a este asunto y brindando apoyo legal a estos millones de afectados.Estas cláusulas se insertaron de manera casi automática en la firma de hipotecas concedidas por las principales entidades bancarias y suponían un mínimo y un máximo de interés hipotecario para el consumidor.  Estas hipotecas tiene una hipoteca a interés fijo el primer año que luego se…

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Cartel Office imposes fine on battery manufacturers for illegal arrangements

Cartel Office imposes fine on battery manufacturers for illegal arrangements The Bundeskartellamt, Germany”s Federal Cartel Office, has imposed fines totalling around 28 million euros against two manufacturers of industrial batteries for entering into illegal arrangements. While neither company had made general arrangements regarding the price of their batteries, they did agree to introduce what is known as the “Metallteuerungszuschlag” (MTZ) [metal surcharge to cover rising costs] as an industry standard. The MTZ is a significant portion of the price. The Bundeskartellamt began its investigations in 2014 and concluded them with…

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Animal shelter effectively designated as heir in will

Animal shelter effectively designated as heir in will It is not possible for animals to inherit, but the same does not hold true for animal shelters. That being said, a clearly drafted will needs to be prepared for this to happen. In the absence of a will or contract of inheritance, the rules of intestate succession apply. These will not necessarily lead to a result that corresponds with the testator”s wishes, but they can be circumvented with a will. With this, the testator can determine who his heir or heirs…

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Useful Tips for Finding the Most Reliable Debt Collection Services in California

Want collection services in California and bothered about how to narrow down the list of so many service providers in the area? If yes, then don’t worry at all. Here is the list of tips that you can keep in mind to help yourself shorten the list of the bill collection services providers in California. Check Better Business Bureau for the feedback about the collection agency California you are deciding on picking. Research about the insurance and licensing of the company. If you have local business, then an agency having…

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A Guide to Property Division in a Divorce Case in Texas

Texas is a community property state, which means any property acquired during a marriage should be divided between the couple at divorce. As most of the couples have little to no knowledge about property division, it makes sense to consult family law lawyers in Texas to have a clear idea of their rights during a legal separation and make your case stronger. If you or a close one is contesting a divorce, the blog post covers the basic information about property division and some common factors that influence the case….

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Submit a voluntary declaration leading to immunity for tax evasion while you still can

Submit a voluntary declaration leading to immunity for tax evasion while you still can A voluntary declaration leading to immunity for tax evasion needs to be tailored to the exact circumstances of a given case. Only then can voluntary declaration actually lead to immunity. A lot of tax evaders have already taken advantage of the opportunity to submit a voluntary declaration leading to immunity. While the number of voluntary declarations has dropped significantly since the requirements associated with voluntary disclosure became more stringent as of January 1, 2015, it is…

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Benefits of Italian Dual Citizenship

Did you know that having a European Union passport has real, quantifiable benefits? In today’s globalize world, holding two passports is more advantageous than ever. Italian Citizenship and Italian dual citizenship come with their own set of benefits for the citizens of Italy. These may be in the form of European Union benefits, social welfare benefits, career and financial benefits and cultural benefits. some of the benefits of holding dual citizenship are listed below CITIZENSHIP BENEFITS Italian Dual Citizenship means that you can enjoy the citizenship advantages of two countries…

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How Can Startups Find Investors?

When you have a viable idea and you have ascertained how much money you need and how you will spend it to run your startup, the next step is to find suitable investors. While the idea of looking for funding may seem scary, being prepared will ease out the tension. The good news is that there are people and organizations that are ready to fund start-ups. According to a report by CB Insights, early-stage deals secured $27.3 billion of investments from venture capitalists in 2015. Going by this figure, it…

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GRP Rainer Rechtsanwälte: Assessing claims to a compulsory portion

GRP Rainer Rechtsanwälte: Assessing claims to a compulsory portion If close relatives of a testator are excluded from inheriting in a will or contract of inheritance, they are still entitled to their share of the statutory compulsory portion. The rules of intestate succession regulate inheritance claims brought by the relatives of the testator. First and foremost, it is the spouse and the testator”s own children who inherit first. If the testator prepares a will or contract of inheritance, he is not bound by the rules of intestate succession. His testamentary…

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