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Spanish Confederation

August 20, 2020


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Nowadays many people have resorted and many others will resort to mortgages in order to achieve the dream of being able to acquire their own home, so it is good to know more fully the conditions that they arise from mortgages, to make so you can make the most to loans mortgage and to the greatest extent possible avoid paying more than you need, in such a way in the present article speaks about a point of great importance within we mortgage loans and IRPH or reference indices of mortgage loans, which will be different modalities applied by the banks when it comes to using the interests and updates that they have with the passage of time and movements that occur and to vary the conditions of the interests. Speaking of the IRPH, is this referring to various types of indexes, which are a particular type of percentage by means of which the banking entities update the interest rate on a mortgage that has the condition of being of variable interest rates. The IRPH to vary each month, must be published by the central bank in each monthly period, which in the case of Spain will be the Bank of Spain, Act to undertake through an average of different offerings in the mortgage market are registered by both banks and savings banks. Within the group that is part of the IRPH, the most common and most widely used is the EURIBOR, which I am replacing the MIBOR, which is the interest rate that applies between financial institutions present in the area of European currency exchange that made loans between them. Apart from the EURIBOR, there is also the ECSC, interest rate which has been created by the Spanish Confederation of savings banks, which is determined by the personal loans and those loans mortgage they are formalized within the savings banks. A point of great importance within the IRPH, is to distinguish that there are 3 different modes: the IRPH of banks: in this case the percentage is the average obtained from the types of interests of the mortgage loans that possess a higher term three years and which have been granted by banks during the month. IRPH savings: in this case is handled a system similar to the present to the IRPH of banks, with the difference that here is not taken into account loans made by banks but by the savings banks. IRPH set entities: in this mode the average is taken based on both average, i.e. the banks and savings banks. It is possible to also use as IRPH rate public debt or semi-annual yield of Treasury bonds.

Natural Coast

September 2, 2014


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You must cite suspected that in these elevations still live the Woodpecker (Ara tricolor), considered the largest species of larger size of these birds on the planet. In addition, these mountains are the sanctuary where are located the mollusks of the genus Polymita, classified as the most beautiful in the world. This massif lies the unique stone bridge in Cuba, the Bitiri, which stands on the river of the same name, proclaimed a national monument. There are also the National Park La Mensura, Crystal peak and Alejandro de Humboldt. Next to them is the most important area of deposits of polymetallic ores of Cuba, among which are nickel, cobalt and manganese, among others. Also located in these provinces the most extensive mountain system of Cuba, Sierra Maestra, which boasts numerous peaks exceed 1000m, finding two of La Bayamesa national parks and Turquino, at elevations of the same name.

The latter occupies part of the highest mountain in Cuba, the Real Turquino peak, with nearly of 1962m. above sea level. Also the deepest seas next to Cuban shores, in the so-called pit of Bartlett, are almost 2 000 m of depth. On the South coast are located where they are most frequent Earth tremors, although of low density. Particularly in the western part of the southern coast lies the coastal plain closer and extensive of the country, bordered by a mountain system and cross a road, where numerous volcanic rocks (Granites, basalts, etc.), emerge during the whole journey. Also in the South are several terraces systems most important sailors of the Caribbean, while in one of them the Parque Nacional del Granma, which was proclaimed by the UNESCO Natural Heritage, in the Natural landscape of the humanity category by this wonder of nature. It should be noted that on the South coast are the unique vegetation formations similar to real deserts in the Caribbean.