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Credit to Build House | SOC Financial Advisors
Business

Credit to Build House | SOC Financial Advisors

by Chief editor of world-today-news.com
written by Chief editor of world-today-news.com

Mortgage credit

Credit to build a house

Build your house with the support of a mortgage loan. Your land will remain as collateral and you will be able to obtain up to 100% of the construction budget without exceeding 70% of the total final value of the property.

Benefits:

  • Design your home just the way you want it according to your tastes and needs.
  • Most institutions do not require you to have a minimum progress of work.
  • Apply with Infonavit Support.
  • If the land is located within a residential development in an area of ​​high capital gains, the bank can grant you up to 90% of the financing for its purchase.

    Only with Banregio.

Requirements and conditions:

  • In most cases, financing is delivered in installments (departments), depending on the progress of the work.
  • The bank can make visits to supervise that the resources are invested in the construction of the property and that there is an established time to complete the construction.
  • In some financial institutions it is necessary to have a part of the financial resources for construction.
  • The land remains as collateral before the institution that grants the financing.

Why seek advice from SOC?:

  • We help change lives through our advice. We are committed to finding the best financial product for you.
  • We adjust to the schedule that is most comfortable for you, in person or digital.
  • We accompany you in every step of the process so that you have greater certainty and peace of mind during the process. All this at no cost.
  • All financing options in one place.
  • Our service has no cost to you because it is covered by the bank you have chosen.

2023-11-29 06:54:32
#Credit #Build #House #SOC #Financial #Advisors

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“Fan Fan” Fan Tingyu Seen Holding Hands with Manager in Romantic Display
Entertainment

“Fan Fan” Fan Tingyu Seen Holding Hands with Manager in Romantic Display

by Chief editor of world-today-news.com
written by Chief editor of world-today-news.com

The 19-year-old “Fan Fan” Fan Tingyu became popular from “Atomic Boy”. She recently released a new single and held a press conference. (Picture/photography team of this magazine)

Fan Tingyu, the “Fan Fan” who became famous from the “Atomic Boy” show, revealed at the press conference in October that she has been single for three years and has no romantic relationships. She also issued a “love ban” from the palace. However, the Times weekly CTWANT received a report from a reader. , said that at the age of 19, he was already “famous” and his date was his work partner and manager Babyee. This magazine reported on November 8 that the two were holding each other’s hands on the street, walking intimately from a convenience store back to their residence, confirming their single declaration.

Fan Fan shot a video on the roadside after working with his agent. (Picture/Photography team of this magazine) Fan Fan changed clothes in the car. When he got off the car, he had already changed into a pair of trousers, but his upper body was still the same vest that showed off his strong arms. (Picture/photography team of this magazine)

At about 5 pm on November 8, this magazine directly reported that Fan Fan, who had just finished work, got into the car of the beautiful manager Babyee to leave together. The two of them took a video on the roadside with their mobile phones before picking up the car. Around 5:30, Fan Fan and her agent were shopping at a material packaging store near Taipei Main Station. When they got off the bus, Fan Fan had already changed clothes in the car. She was wearing black trousers and a white sleeveless vest on her upper body, showing off her strong body. The lines of his arms are quite eye-catching, and Fan Fan kept his cell phone with him and hotlined all the way, so he was quite busy.

Fan Fan and her agent first went to Taipei Station to purchase packaging materials. Fan Fan kept talking on the phone and was quite busy. (Photo/Photography Team of this Journal) The two went to New Taipei City for dinner, perhaps to unplug from work mode. During the dinner, Fan Fan and his agent had a great atmosphere. (Picture/photography team of this magazine)

Afterwards, the two drove to a department store plaza in New Taipei City and ate at the sukiyaki restaurant in the mall. The atmosphere was great during the meal, and the agent smiled sweetly from time to time. At 7:21, after finishing their happy meal, the two of them went to the bathroom separately. When they emerged again, their faces were full of smiles. They continued to take the elevator to the parking lot to pick up the car with cheerful expressions, chatting and laughing. Then, They went straight to a residential community, and judging from the lively interaction between the two in just a few hours, it could be said that they were having fun talking about the interesting parts of work, but it was more like the deep affection between a young couple.

After dinner, Fan Fan showed no shame and started smoking in the street. (Photo/Photography Team of this Journal) Fan Fan and her agent went to a convenience store, and the interaction was very homely. (Picture/photography team of this magazine)

At 8:19 p.m., more than half an hour after Fan and B returned home, they put on slippers and went out again. What caught the eye was that Fan held a cigarette in his hand and smoked it while walking, and together they went to a nearby supermarket to operate. After finishing the machine, the two left together. At this time, Fan Fan’s left hand naturally rested on the manager’s shoulder. Not only did the woman not resist, but she hooked his hand and then slid it down closer to Fan Fan’s palm. The fingers of each other’s loving little hands were clasped together.

Fan Fan and her manager Babyee just seize the time and hold on to each other’s hands, heading home. As they walked, when they saw passers-by, they immediately let go of each other’s hands alertly, After the passersby passed by, they held each other tightly again. Although it was only a short distance, these scenes of love were captured by this magazine.

The two of them seemed to have lowered their guard, as Fan Fan directly put his hands on the manager’s back and shoulders as he walked. (Photo/Photography team of this magazine) The manager hooked Fan Fan’s arm, and then the two of them clasped their fingers tightly, looking at each other with loving eyes. (Picture/photography team of this magazine)

On the way home, the two of them each bought a cup of tea. When they returned to their residence at 8:35, Fan Fan opened the door with a proximity card, and the agent opened the door and went in first. At 9:50, more than an hour later, the agent drove Fan Fan out. The two of them arrived at the supermarket just now. The agent was carrying a bag of things. It could be seen that there were many packages in it. The delivery was completed. Afterwards, the two drove back to their residence, and no one or car went out again until late at night.

Seeing the passers-by coming towards them, Fan Fan and her manager alertly let go of each other’s hands, but then they grabbed each other’s little hands again, quite lovingly. (Picture/photography team of this magazine)

Regarding this publication’s direct report that Fan Fan and her agent Babyee are closely linked, Fan Fan and her agent responded through their Fantasia studio, “The staff around Fan Fan treat Fan Fan as their own child. He also likes to act coquettishly with the staff. During the process, he was photographed having fun and playing, which was purely a misunderstanding.” He denied that the two were dating.

※”CTWANT” reminds you: Smoking is harmful to health, and smoking is harmful to others and yourself.

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The Unexpected Reversal of Mortgage Renewal Stress Tests: An Analysis
Business

The Unexpected Reversal of Mortgage Renewal Stress Tests: An Analysis

by Chief editor of world-today-news.com
written by Chief editor of world-today-news.com

It’s deplorable.

The situation became clearer in mid-October. “Clarify” isn’t quite the right word. We should rather speak of a “turnaround” as spectacular as it was unexpected.

Because the rules could not be said to be equivocal, they were applied uniformly by the entire industry.

I touched on the subject briefly in a column published last week. I said there that the Office of the Superintendent of Financial Institutions (OSFI) had caused a shockwave by stating that the stress test should not apply to the renewal of an insured mortgage. Lenders had previously understood the opposite, qualifying all their customers with an interest rate 2% above the contract rate.

This is far from trivial. What does it mean? A borrower must not exceed certain debt ratios. By assessing the weight of the debt in relation to its client’s income, the financial institution had to add 2% to the agreed rate. Concretely, this means that it measures its repayment capacity with an interest rate of 8% rather than 6%. If we go to 6%, it is far from certain that this will be the case at 8%.

How can you be eligible for the first time and no longer meet the ratios upon renewal? The explosion in rates alone can complicate the lives of borrowers. Otherwise, a drop in income or the purchase of a new car on credit may disqualify it.

The qualification rate is theoretical, it costs nothing in itself. However, someone who no longer meets the requirements at renewal will be turned down everywhere except by their current lender. Without saying that the latter will take advantage of the situation, we assume that he will not make an aggressive offer to someone he knows is attached. Competition: zero! According to mortgage brokers I’ve spoken to, this inability to shop around can result in an interest rate 0.5% higher, sometimes more.

What does that represent in dollars? Consider a $350,000 mortgage amortized over 20 years with a fixed rate of 5%. At the end of the 5-year term, the debtor will have paid $79,800 in interest and repaid a little more than $58,000 in capital. With a rate of 5.5%, the interest bill rises to $88,000 over the same period, while the principal repaid decreases to around $55,600. The cost to the customer therefore amounts to more than $8,000 in five years.

The bill may be even higher, knowing that the borrower also had no say in the authorized advance payments or in the conditions of a possible mortgage penalty for early repayment.

Test not necessary

So OSFI announced in mid-October, out of nowhere, that the renewal stress test was not necessary for insured mortgages because they carried less risk. Ultimately, the same thing could be said of a brand new insured mortgage taken out by a first-time home buyer.

It is strange that OSFI is providing this clarification at this time, people there could not ignore the widespread practice underway in the market, especially since lenders keep asking for relaxations in the application of the stress test.

Odd timing, but maybe not that much. This new position appears at a time when the government is seeking by all means to alleviate the financial burden of Canadians weighed down by inflation, at least in appearance. In particular, Minister François-Philippe Champagne lectured the food chains. I seem to have heard Chrystia Freeland give the same kind of sermons to the banks, calling on them to be accommodating to these poor individuals whose mortgage contracts were coming to an end.

The coincidence is striking.

Also, this reversal occurs at a time when a wave of most problematic mortgage renewals is on the horizon. Holders of a fixed rate loan who are nearing the end of the term will experience an increase of just over 2%. In 2026, the shock will be almost double, and on larger amounts borrowed.

Injustice?

Should we rejoice or cry injustice? Both. It’s unfair for those who have just signed a contract under disadvantageous conditions, but it will surely help others who renew their mortgage in the months to come.

Virtual lenders were quick to adjust after OSFI’s exit. A few days later, Manulife Bank announced that it was renewing loans for new clients at the contractual rate, without applying the stress test (+2%). Others followed, including First National and MCAP.

So, for the moment, you have to use mortgage brokers, the only gateway to these lesser-known lenders.

At Desjardins, we are still waiting for details. Although the Quebec institution reports to the Autorité des marchés financiers, it aligns with OSFI rules. The National Bank is also sticking to the status quo for the moment.

The peak season for mortgage renewals coincides with spring. Until then, everyone should come to terms with OSFI’s new positions, unless it causes another surprise.

If you would like to respond to this column, write to us at opinions@cn2i.ca. Some responses may be published in our Opinions section. If you want to contact our columnist directly, you can do so at dgermain@cn2i.ca.

2023-11-04 08:06:29
#Mortgage #misunderstanding #cost #borrowers #dearly

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Anzo Capital Acquires JJ Card Group to Expand Brand Influence and Create Top Luxury Aircraft Carrier-Level Brokers
Business

Anzo Capital Acquires JJ Card Group to Expand Brand Influence and Create Top Luxury Aircraft Carrier-Level Brokers

by Chief editor of world-today-news.com
written by Chief editor of world-today-news.com

[London, July 10, 2023]- Another big news came from the foreign exchange and CFD M&A market. Anzo Capital, a world-renowned foreign exchange and CFD broker, completed the acquisition of JJ Card Group, a British online trading broker, and continued to expand Brand influence, accelerate the creation of “extremely fast” and “top luxury” aircraft carrier-level brokers.

Founded in 2015, Anzo Capital is a well-known foreign exchange and CFD broker. It is trusted and recognized by customers and the industry with its “extremely fast” trading environment and “top luxury” customer service. It includes many different entities, Anzo Capital follows the supervision of the Belize International Financial Services Commission, license number: 000331/469; the Anzo Capital brand also had an Australian ASIC regulatory license before.

Headquartered in London, UK, JJ Card Group was established in 2015 by founders from the fixed income industry serving institutional clients. JJ Card Group is a global online trading broker tailored for professional and institutional clients, operating successfully in the UK market for many years. After the acquisition, JJ Card Group changed its name to ANZOGLOBAL LLP (FCA Regulatory Number FRN: 739550), becoming part of the global expansion of the Anzo Capital brand.

Anzo Capital said, “Since the establishment of the Anzo Capital brand in 2015, it has been forging ahead on the road of global expansion. This acquisition of JJ Card Group is not only to expand our influence in the UK market, but also to absorb JJ Card Group Years of experience in tailor-made services for professional and institutional customers, we have firmly established our original intention and belief of “extreme speed” and “top luxury”, and provided customers with more comprehensive, more perfect and more professional trading services.”

At present, the acquisition of JJ Card Group by Anzo Capital has been approved by the FCA, and has been passed at the legal and regulatory levels. On the business level, Anzo Capital said that it may take some time to transition, but all operations and behaviors will be strictly carried out under the requirements of relevant laws and regulations to ensure that the interests of customers and related parties will not be affected.

After the completion of the acquisition, clients of the original JJ Card Group will transfer to ANZOGLOBAL LLP and continue to enjoy transactions and services under the regulatory framework of FCA, while clients of the Anzo Capital brand can also choose to open accounts and trade under the supervision of FCA in the future.

Since entering 2023, Anzo Capital has accelerated the pace of building an “extremely fast” and “top luxury” carrier-class broker. In addition to completing the acquisition of JJ Card Group, Anzo Capital will also provide customers with more abundant products and services in the future. Services, including cent accounts, point malls and community documentary transactions.

About Anzo Capital:

Anzo Capital is a world-renowned online foreign exchange and CFD broker, providing customers with trading services for more than 100 foreign exchange currency pairs, precious metals, US and Hong Kong stocks, energy and index CFDs, and holds UK FCA, Belize FSC regulatory licenses, etc. .

[London, July 10, 2023]- Another big news came from the foreign exchange and CFD M&A market. Anzo Capital, a world-renowned foreign exchange and CFD broker, completed the acquisition of JJ Card Group, a British online trading broker, and continued to expand Brand influence, accelerate the creation of “extremely fast” and “top luxury” aircraft carrier-level brokers.

Founded in 2015, Anzo Capital is a well-known foreign exchange and CFD broker. It is trusted and recognized by customers and the industry with its “extremely fast” trading environment and “top luxury” customer service. It includes many different entities, Anzo Capital follows the supervision of the Belize International Financial Services Commission, license number: 000331/469; the Anzo Capital brand also had an Australian ASIC regulatory license before.

Headquartered in London, UK, JJ Card Group was established in 2015 by founders from the fixed income industry serving institutional clients. JJ Card Group is a global online trading broker tailored for professional and institutional clients, operating successfully in the UK market for many years. After the acquisition, JJ Card Group changed its name to ANZOGLOBAL LLP (FCA Regulatory Number FRN: 739550), becoming part of the global expansion of the Anzo Capital brand.

Anzo Capital said, “Since the establishment of the Anzo Capital brand in 2015, it has been forging ahead on the road of global expansion. This acquisition of JJ Card Group is not only to expand our influence in the UK market, but also to absorb JJ Card Group Years of experience in tailor-made services for professional and institutional customers, we have firmly established our original intention and belief of “extreme speed” and “top luxury”, and provided customers with more comprehensive, more perfect and more professional trading services.”

At present, the acquisition of JJ Card Group by Anzo Capital has been approved by the FCA, and has been passed at the legal and regulatory levels. On the business level, Anzo Capital said that it may take some time to transition, but all operations and behaviors will be strictly carried out under the requirements of relevant laws and regulations to ensure that the interests of customers and related parties will not be affected.

After the completion of the acquisition, clients of the original JJ Card Group will transfer to ANZOGLOBAL LLP and continue to enjoy transactions and services under the regulatory framework of the FCA, while clients of the Anzo Capital brand can also choose to open accounts and trade under the supervision of the FCA in the future.

Since entering 2023, Anzo Capital has accelerated the pace of building an “extremely fast” and “top luxury” carrier-class broker. In addition to completing the acquisition of JJ Card Group, Anzo Capital will also provide customers with more abundant products and services in the future. Services, including cent accounts, point malls and community documentary transactions.

About Anzo Capital:

Anzo Capital is a world-renowned online foreign exchange and CFD broker, providing customers with trading services for more than 100 foreign exchange currency pairs, precious metals, US and Hong Kong stocks, energy and index CFDs, and holds UK FCA, Belize FSC regulatory licenses, etc. .

Disclaimer: The purpose of reposting this article on this website is to provide readers with more information, and the content involved does not constitute investment or consumption advice. If you have any questions about the facts of the article, please check with the relevant parties. The opinions of the article are not the opinions of this website, and are for readers’ reference only.

2023-07-10 10:39:00
#Anzo #Capital #Acquires #Renowned #Broker #Card #Group

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Entertainment

“Actress Wang Sijia Faces Backlash and Loss of Endorsements After Fake Bag Scandal”

by Chief editor of world-today-news.com
written by Chief editor of world-today-news.com

Recently, Wang Sijia was caught in a scandal about fake packages. It was rumored that all the business partners and endorsements were lost, and her agent came forward to refute the rumors. (Photo/reposted from Wang Sijia’s Facebook page)

Actress Wang Sijia shared her treasured Hermès bag on the show a few days ago, but sharp-eyed netizens found that it seemed to be a fake bag. For this reason, she specially sent the bag to the United States for inspection. Afterwards, she also confirmed that the bag was genuine in the live broadcast. Lai Beng emphasized that “I never need to pretend or create an image.” After being hit by the scandal of fake packages, Wang Sijia now reported that the endorsement of the industry has all failed, and her agent Xiaowei also responded to this.

Wang Sijia has captured many fans with her hot and straightforward style, and is often invited to record videos on major shows. With the soaring popularity, she has been invited more and more to act as endorsements, with a monthly income of more than one million yuan. However, she has recently been caught in a fake Bao Yiyun, even though it was confirmed that the bag inspection result was true, but it was reported that all related business matching and endorsements were lost, which severely damaged the performing arts career.

In fact, Wang Sijia only posted jelly products on Facebook last night (17th), and it seems that her work has not been affected at all. In this regard, Wang Sijia’s manager Xiaowei also came forward to clarify, “Everything is going according to plan, please don’t spread rumors, about business matching and endorsement, etc., thank you for the support of the manufacturer, it is still the same at present, and will be updated according to the schedule.”

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Business

“Discover Stock Trends in Thailand and Potential Opportunities Pre and Post 2023 General Election With TNN Wealth Talk – Stream Online Movies”

by Chief editor of world-today-news.com
written by Chief editor of world-today-news.com

TNN WEALTH TALK Thai stock direction Opportunities before and after the 2023 General Election. Guests – Khun Kornphat Worachet, Senior Vice President, Research and Investment Service Department, Krungsri Patanasin Securities – Khun Thiwa Chintadapong, Valued Equity Investor – Mr.Ministry Jarusira, Chairman of the Board Super Trader Holding, hosted by Joy Sopha Chantarumai . #TNNLueTang66 #ThaiStock #ElectionThemeStock #TNNWealth #TNNChannel16 Follow stock news and investments via Line • Line @TNNWEALTH : • Facebook : ————————————————————————— Follow TNN Wealth through various channels at • Website : • Youtube : • TikTok : or watch the program Live. got the way

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