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Mortgage Credit: What is it?

January 17, 2022 by Blogg Bank Leave a Comment

There are some guarantees that banks require to approve your loan. One of these guarantees can be mortgage credit. Find out in this article what it is, what it is for, and how you can order one.

Mortgage credit can be a solution for those who want to see their credit approved, housing, or even consolidated. This type of credit agreement will serve as a guarantee for the payment of the loan you request. But, let’s see in more detail what it is about.
What is a mortgage loan?
A mortgage loan is a type of credit in which the borrower can pledge another property, as long as it is free of charges, other mortgages, or another similar property, such as cars, ships, and aircraft.

This type of credit gives banks a greater guarantee of payment, having the right to proceed with the request for execution of the mortgaged asset in the event of default by the debtor. The immovable or similar property may belong to the creditor or a third person, as long as the third person agrees to mortgage the property as collateral for the respective loan.

How can I apply for a mortgage loan?
You can apply for a mortgage loan from the bank where you are going to make your loan. However, be aware that to be eligible for this credit, you will have to fulfill, in parallel, other requirements, such as appropriate age for the credit and a low percentage of the LTV ( Loan to Value ) rate.

After applying for mortgage credit, the banking institution will have to carry out an appraisal of the property or asset being mortgaged to verify that its value covers the amount that it is applying for a loan. In addition to this, an analysis will also be carried out on your profile to check if you are eligible for credit and if you can pay monthly installments. This is a process that can take a few weeks.

If the bank determines that you are eligible for mortgage credit, it will proceed to the contract.

What types of mortgage loans are there?
Mortgage credit is not only required for mortgage credit. You can use mortgage credit in various situations, following the various types of mortgages that exist:

Mortgage loans
This is the most common type of credit aimed at real estate.

Related Credit
Best known for credit multi-risk or Multiopções, this type of contract is entered into with the same institution where it was contracted mortgage loans and assumed the mortgage (guarantee of mortgage credit contract).

Consolidated Credit
When we talk about consolidated credit with a mortgage, we refer to a consolidated credit (joining all credits into a single one with better conditions) where a real estate property (own home, secondary home, or even a property belonging to a family member) is used as a guarantee to the loan.

What types of mortgages are there?
There are three types of mortgage: voluntary, legal, and judicial.

The voluntary mortgage results from a mutual agreement between the bank and the person who requested the loan and may also apply to a comparable immovable property.

The legal mortgage results directly from the law and applies in favor of the State, local authorities, or other public entities whenever the debtor is in debt and has no other way to pay off his debts. This happens, for example, when taxpayers are owed money to Social Security. This is the State’s way of recovering the defaulted amount from the debtor.

On the other hand, the judicial mortgage results when the creditor obtains a judgment against the debtor, in the context of a judicial process, which dictates that the debtor has to pay a certain debt using a mortgage registration on his assets. A judicial mortgage is typical of insolvency situations.

What are the fees charged by banks?
As there is a property or similar asset as collateral, the bank may charge lower interest rates. On the other hand, the repayment term is longer.

However, it is always advisable to search different banks to see which conditions are best for you.

Before concluding this article, we would like to alert you that this is a type of credit that requires a lot of documentation and must be done with caution, as the impossibility of payment causes the loss of the property or similar property.

If you have any questions or need help finding the best credit for you, you can count on Doctor Finance’s (free) help. 🙂

Read also: Everything you need to know to have the best mortgage loan.

Gravity Defying hotel on a cliff’s edge in Norway with a swimming pool suspended in mid-air

October 9, 2021 by Blogg Bank Leave a Comment

A gravity defying hotel has been designed by a Turkish Architest where he plans to build the hotel on a cliff’s edge measured at 1,982 foot. But this is not the main catch of the hotel! The hotel is going to have a glass-bottomed swimming pool, which will be suspended in mid-air.

The hotel is defintely something that all adventure seekers would love to visit. The hotel plans to be built Preikestolen, a cliff in southern Norway. With the news of the hotel becoming public, it has made the cliff a popular tourist attraction.

The proposed hotel is designed by Hayri Atak Studio, will have a pool that protudes out from the side of the cliff is still to get planning permission, but once it does, it will have a view of the Lysefjorden fjord.

The hotel is not for the weak of hearts, since the hotel is set to have at least three floors with guest rooms taht will have balconies juting out.

The swimming pool is planned to be built under there three floors, with the plan to give the swimmers in the pool an eye opening drop under the pool.

However, if you think this is the first pool of its kind, you stand corrected. In June 2021, a design for an infinity pool on top of a London skyscrapper were revealed. This pool is to be placed on top of a 55-storey luxury hotel.

The discover of the ‘Flower Mantis’ & the lady who found it

October 9, 2021 by Blogg Bank Leave a Comment

Margaret Neville, a woman who lives in South Africa made an amazing discovery in her garden on one September afternoon. While she was looking at her lavender bushes, she found an ever so beautiful ‘flower mantis’, that used its floral appearance as camouflage. The mantis found by this female had a large swirl pattern on its back, while protrusions on its legs that looked like lavender budgs.

Margaret was so surprised on finding the specie, that she even named it “Miss Frilly Pants”.

Since the picture of the mantis went viral, it has been spotted in picture at a lot of places, including waterfall retreats & environmental center Facebook page.

With several species of mantis across the world, another type is the orchid praying mantis. The females of this specie are larger in size, brilliant in color and have legs that look like orchid petals.

With so many different species present across the globe, you can never be sure when you could be up for a surprise.

History’s Most Amazing Photo of the total Eclipse

October 9, 2021 by Blogg Bank Leave a Comment

Back in 2017, over 2 million to 7.4 million Americans traveled to see the amazing spectacle of the first solar eclipse in 99 years.

With the normal people choosing to travel on ground, photographer Job Carmichael found an airbound way. He took a flight with Southwest Airlines and captured the which is perhaps the best picture in the history of eclipses, from an altitude of 39,000 feet (11,890 meters). As a result, the picture he took was like none taken before.

With over 1200 pictures taken in two minutes, the photographer was able to take a perfect shot of the eclipse over Snake River. It took him over 365 days to process the pictures in a humongous mosaic of pictures which he titled 108. He has even put limited editions of the picture up for sales on his own website.

Carmichael claims that this was the most complex photography project he had taken in his entire career as it took hundred of hours of hard work.

The crew on-board the Southwest Airlines also played a vital role when they found about Carmichael’s mission. They teamed up together & they ensure that the windows from which Carmichael would take a shot was spotless.

The breathtaking picture of the eclipse clearly shows how much effort went into it.

Fossils of a Cat with Steak Knife Fangs have been discovered

October 9, 2021 by Blogg Bank Leave a Comment

After the discovery of two rare fossils in Yukon, scientist have started to look into the mysterious history and background of a predator cat – Scimitar Cat.

With scientist constantly researching on the Scimitar Cat, it has been revealed that the cat, that is now extinct, once used to range across the Northern Hemisphere.

With over 100 year of fossil collection, around 20 fossils of the animal have been discovered Alaska or Yukon. The experts suggest that they still do not know a lot about this animal.From research, scientists have come to the conclusion that this animal was nothing less than a nightmare. The animal was a killing machine, having longer front limbs and shorter back limbs making it a great possibility that it could pounce on its prey. To top it all off, the razor sharp, large, fangs.

However, the word cat in the name shouldn’t fool you. The scitimar cat was not your avearage feline. It weight about 400 pounds. According to scientists, these cats are completely unrelated to the cats that we see nowadays.

The two fossils being discussed in the article, were found decades and continents apart. The discovery of these fossils make researchers believe that the North American & European Scimitar Cats were from the same species of the cat. This basically negates the earlier claim, where scientist thought they were different species on the two continents.

Another positive that researchers believe is the Yukon is rich in ige age fossils and is playing a pivotal role in paleontological research

 

The teaser for ‘Let Somebody Go’ a collaboration between Selena Gomez & Cold Play has gone viral

October 7, 2021 by Blogg Bank Leave a Comment

Coldplay has teamed up with Selena Gomez for another superstar collaboration for their
upcoming album. The news was confirmed by Selena Gomez as she took to twitter to
announce the collaboration for the new song titled “Let Somebody Go”.

The teaser posted by Gomez, not only gave the fans a feel of what the visuals for the song
would look like, but also a sneak peek of the track. In the teaser, Gomez and Chris Martin
from Cold Play can be seen singing “When I called the mathematicians and I asked them to
explain/ They said love is only equal to the pain”.

With fans eagerly waiting for the song, no official release date has yet been announced,
however, the song is speculated to appear in Coldplay’s latest album “Music of Spheres”,
set to release on October 15, 2021.

If the song “Let Somebody Go” is to be part of Coldplay’s latest album, then this will be
second collaboration for the band’s upcoming album “My Universe”, following the band’s
duet with K-pop sensation BTS. The song “My Universe” released on September 24, 2021
through Parlophone and Atlantic Records with a debut at Number 38 and Number 42 on the
Alternative Airplay and Rock & Alternative Airplay chart surveys for October 2, 2021. This
debut also marked BTS’ first appearance on the rock and alternative charts.

Coldplay is to do PR for their upcoming album, which will start with The Late Late Show
With James Corden from Oct. 18 to Oct. 21 to promote their new album “Music in
Spheres”. They are also set to debut the collaboration with Selena Gomez at the show.

Tom Cruise loses the race to space to Russia

October 7, 2021 by Blogg Bank Leave a Comment

With years of planning, securing funds, a rocket from Elon Musk, and a crew crazy enough to shoot in space, Tom Cruise’s dream to be the first actor to shoot a film in space came crumbling down this Tuesday after a Russian Film Crew beat him in the race as they docked with the International Space Station where they will be shooting a feature film with Russian actress Yulia Peresild.

The Russian space station currently orbits Earth at an altitude of 220 miles. The news was broken by the Russian state media, as they put up a countdown clock to this iconic moment. The state media channel called it a breakthrough that the rest of the world has a close eye on.

The film titled “The Challenge” is another step towards Russia beating the USA in the race to space. The Russian crew will reach solar system ahead of Tom Cruise, whose plans to head to outer space in Elon Musk’s SpaceX rocket for the unnamed film in the Mission Impossible franchise were announced by NASA last year.

The competition to reach space between Russia and the USA has a long history, which dates back to the cold war. Back then Moscow launched their first satellite & put the first man and woman in space, but were beaten by NASA, who managed to put a man on the moon.

It seemed as though Russia was behind in the space race, due to recent delays, accidents and corruption scandals brewing in their space industry, while the USA has private firms owned by rich businessmen and visionaries like Elon Musk and Jeff Bezos who have developed their own spaceships.

The Russian crew is accompanied by two cosmonauts on their 12-Day mission.

Kremlin’s spokesperson Dmitry Peskov said after the launch “Space is where we became pioneers and we still maintain a confident lead despite everything,”.

In the Russian Film “The Challenge” Peresild is playing the role of a doctor who is sent on a space mission to save the life of a cosmonaut.

The Director for the feature film Klim Shipenko was delighted at shooting in space, and has announced that he will be looking forward to shooting a sequel for the film on Mars.

The Russian rocket took off from the “Baikonur cosmodrome” which Russia leases on the steppes of Kazakhstan.

Netflix contributes $5.4 million toward Chadwick Boseman scholarship at Howard University

October 7, 2021 by Blogg Bank Leave a Comment

Netflix one of the leading online streaming platform has setup a $5.4 million scholarship in the name of the late Black Panther star Chadwick Boseman at Howard University. The scholarship that was announced on October 4, 2021 will cover the entire cost of the university’s tuition for fine arts students. The university is Chadwick Boseman’s alma mater, and there could have been no better way to pay tribute to him than having his legacy continue through the scholarship.

The university is all set to award its first four scholarships this fall. The scholarship will be awarded to one member of each class, after which it will be given to one freshman every year. The criteria for the Chadwick Boseman Scholarship is exceptional skills in the arts; demonstrate leadership, respect, empathy, passion and excellence; and require financial assistance.

In his official statement Wayne A. I. Frederick, president of Howard University, said “It is with immense pleasure and deep gratitude that we announce the creation of an endowed scholarship in honor of alumnus Chadwick Boseman, whose life and contributions to the arts continue to inspire”. He further said that “This scholarship embodies Chadwick’s love for Howard, his passion for storytelling, and his willingness to support future generations of Howard students.”

Ted Sarandos, CO-CEO and CCO at Netflix thanked the Boseman family & the university partners. He further said, “While he was taken from us too soon, his spirit is with us always in his work and the good that he has inspired,”

The late actor always spoke highly of the university and how it helped shape him and Netflix found the perfect way to pay tribute to him.

$100 million opening of No Time to Die

October 7, 2021 by Blogg Bank Leave a Comment

No Time to Die – James Bond could break box office opening weekend records in his toughest mission yet

The name Daniel Craig has become synonymous with James Bond and is all set to break box office opening weekend records in his final & toughest mission till date.

“No Time to Die” made its international debut last weekend and has made a huge $121 million. If we consider the excitement around 007’s latest adventure overseas as an indication of domestic numbers, then we are all set to see the franchise records being broken this coming weekend.

As per speculations, “No Time to Die” is to bring in $60 million to $ 70 million on the weekend opening in the US and Canada. According to some box office experts, these numbers may even be higher with ticket sales surpassing $75 million to $80 million.

With the expected numbers, “Venom: Let There be Carnage” will continue to hold its position, when it exceeded all expectations and went on for a $90.1 million opening weekend.

For the Bond franchise, however, “Skyfall” which was launched in 2012 currently has the highest grossing weekend, where it made $88 million in North America. Not only this, but it is the only movie from the Bond franchise, which has surpassed $1 billion at the global box office. With the speculations, the debut for “No Time to Die” will be following the same route that its predecessor “Spectre” did in 2015, with an opening of $70 million.

The online ticketing service, Fandango, has already sold out hundreds of shows for “No Time to Die” around the country and the theatre owners are adding more shows to meet the crazy demand. It is also important to note that the sales for the last Daniel Craig installment of the Bond series is outpacing F9: The Fast Saga and Venom: Let There be Carnage is the prebooking sales cycle. The movie is set to become Fandago’s top pre-seller in Bond series.

The hype around “No Time to Die” is justified, as a film of such spectacle is best appreciated on the Big Screen. The film offers everything that every film fan could ask for, including, classic cars, gadgets, ruthless villians and breathtaking action sequences.

Some reports also suggest that the two hour forty three minute long movie, could also be the first pandemic-ero movie that could cross the $100 million mark on its debut.

Whatever the opening for the movie on the coming weekend is, the anticipation is extremely high, and movie is all set to be a down-to-the- wire thriller, that could be the
perfect farewell for Daniel Craig from the franchise.

Burial Place Has Been Decided For Umer Shareef

October 2, 2021 by Blogg Bank Leave a Comment

As you all know very well, the king of comedy Mr. Umer Sharif has been passed away. He had been sick for last few months and he was going to USA for his further better treatment. When air ambulance had near to Germany, his condition was very serious and the staff planned to take off to Germany for his First Aid.

Where he had diagnosed pneumonia and then the doctors of Germany were advised to stay here for some days to recover, but fate had something else in mind and he passed away. Govt. officials are trying to get his body from Germany to Pakistan and due to holidays paper work will start form Monday onward.

After this unfortunate incident, his son discloses Mr. Umer’s (late) last wishes for his funeral. He tells media that Mr. Umer wanted to bury at the shrine of Famous Pakistani Saint Sir Abdullah Shah Ghazi.
His son requested Govt. officials to arrange the funeral ceremony according to Mr. Umer’s last wish.

After very long discussions, finally Govt. of Sindh agreed to fulfil Mr. Umer’s last wish and started the arrangements of his last journey.

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