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Month: February 2011

Make Your Dream Reality

Make Your Dream Reality

At present the design of some elements such as a house or a car, are the dream of many people, because of this the market today has had to develop some systems to make this a reality more easily. So in this article will discuss how to finance a car to make this dream a reality. Financing a car is a very commonly performed by youth and adults, in order to make easier the purchase of a car on the market and although there are different ways to purchase, and used or old, they always look better than the car this again this is where lies the importance of financing a car. Some centers and dealers and establishments where they can purchase cars, are opting to give the option of financing a car, as this attracts more and more and more buyers to these sites. Given all the above is good to make several recommendations to finance a car when some of them such as: Find a dealer where persons are specialized in guide the buyer, this in order to know the advantages of credit offered by the dealer. Never use an intermediary to the procedure of financing a car, as this may hinder the financing procedure and make it very slow.

Never get credits that differ more than 72 shares, as the amount of interest and value of shares may vary over time. It is good to go to places like banks, because they offer the cancellation of the total value of car, primarily to facilitate their acquisition and further facilitating the cancellation of credit to the same bank. A very good recommendation is that once you have chosen the model of the car, we recommend visiting other lugger, in order to know which of them offers us the best ability to pay. Another excellent recommendation can be given, is not to compromise the car for sale, if it has not yet been repaid in full. It is advisable to seek financing with a low interest rate, so that this can not go out very expensive later.

Although there are many more recommendations that can be done, these are possibly the most important when purchasing a pre-funding for a car. It is worth mentioning that at present the loans can be deferred to periods such as 12, 24, 36, 48, 60, 72, 84, 96, 108 and 120 months, or more recommended when financing a car, is to acquire the debt as quickly as possible, to reduce interest costs and in turn the quotas. Given this, it is clear that today obtaining a car is a very simple work and more if we have at hand as good as options to finance a car. So now there is no excuse for not having a car at home.

Brazilian Investments

Brazilian Investments

this is the largest deal since buying independent brokerage Agora by R $ 800 million in 2008. Bradesco is one of the largest credit card issuers in the country and has a long experience in agreements with retailers and with this transaction also aims to develop the relationship with customers in a segment that is marked by high rates of recriminatory , bank statement said. In addition to a strategic decision that allows the entity to strengthen its leadership in the segment, is also a response to the movements observed in recent times in the sector Brazilian bank posed a threat to the institution. Ibi The Bank has 30.6 million customers with revenues of R $ 9,900 million raise (U.S. $ 5,150 million), which will allow Bradesco to double its customer base of credit cards. So the bank reaches a large number of customers which should also offer the full range of products of the company. The record of compliance which will generate the scale of its customers, minimize errors of evaluation of the ability and willingness to pay of potential policyholders in other lines of credit.

Bradesco’s managers are seeing an improvement in the overall setting of the claims, and especially in the areas of consumer loans and small and medium enterprises. That is what Reuters entrusted to the institution’s vice president, Norberto Barbedo, who stressed that the bank’s expectation is that the default rate to peak in June. This would be ahead of schedule, due to a better perspective of the trends of the credit. The default rate Bradesco (arrears over 90 days) reached 4.3% of total loans at end of first quarter (3.6% had been the end of 2008). In my opinion, Bradesco is making an intelligent reading of the economic context of Brazil. So in addition to target the consumer segment is providing lines of credit to suppliers of large companies. He has done with suppliers of mining company Vale and is in talks with 17 other industrial conglomerates in the country to finance its suppliers. The strategy is clever and the business is not of greatest risk and that large companies provide a horizon of predictability in the application of its suppliers thereby acting as guarantors of their financial strength.

Moreover, the context of recovery ahead, ensuring a favorable landscape for potential borrowers. The Brazilian banking sector is one that has managed to better address the adverse context presented the crisis. In fact, DNA noticed that according to the Economatica information arising from the three largest Brazilian banks were the most profitable were in America during the first quarter of the year: a The Bank of Brazil had a yield equivalent to 5.48% of its assets, Bradesco reached profitability 4.95% of its assets and Itau, Unibanco, largest bank in volume of assets in Latin America, posted a return of 4.54% a . Why is it advisable to invest in the Brazilian banking sector? If in times of crisis and when the Brazilian economy contracts, the Brazilian banking sector profitability notes, then in the proximity of the economic recovery, the major Brazilian banks are a temptation for investors. And in this context, it is more than advisable to take the investment portfolio of Bradesco shares. Latinforme.com is the main source of financial information and independent opinion on Latin American markets and global perspective Latin America. From our offices in Buenos Aires, Argentina, I approached the latest news and alerts to help you make gains regardless of the direction taken by the market.