SOCIAL Monthly

Venezuelan mortgage system referred to the housing policy, is conformed by the following types of loans: financing with resources from the mandatory savings fund for housing (FAOV), consisting of the following: acquisition of housing with FAOV. Expansion of housing with FAOV. Self-construction of housing with FAOV. Remodeling of housing with FAOV. Financing with own funds of banks: acquisition of housing. Expansion of housing.

Self-construction of housing. Refurbishment of housing. Then we will detail what each of these types of credits. Acquisition of housing with FAOV: establishes the legal regulations in the field of housing policy, that people who contribute to the system of housing policy may apply for a mortgage with the purpose of acquiring your main level primary or used housing. This standard provides very advantageous conditions for users with interest, deadlines and quotas of a social nature. Thus we have the following conditions of these loans of housing policy: to pay monthly fee: the amount of the fee to be paid monthly is given by monthly household income according to the following scale: income family monthly maximum monthly fee until Bs. 2,800 20.00% from Bs. 2,800 to Bs.

5.474 25.00% from Bs. 5.474 until Bs. 7,000 30.00% SOCIAL interest rate special. The applicable interest rate social mortgage loans granted with the resources of the funds regulated by the residential system is as follows: monthly family income SOCIAL interest rate up to Bs. 2,800 4.66% from Bs. 2,800 to Bs. 5.474 6.61% from Bs. 5.474 until Bs. 7,000 8.55% term of amortization of the mortgage loan. Mortgage loans for the acquisition of main dwelling shall be granted for a maximum period of 30 years. THE MAXIMUM VALUE OF THE MORTGAGE LOAN. They may be granted up to by 100% of the value of the property given in guarantee according to the appraisal that is practiced by proficient specialists registered with the Superintendency of banks and supplied by the Bank operator.

The Water

This is a sacred place where there is a nature reserve with a variety of monkeys. They say its inhabitants that during Holy week, on Friday, at 12 o’clock, in the Hill opens a door that leads to the interior and an object could be removed without delay, of the contrary contract illnesses and fears. The myth of the Valley of the Patia in time immemorial, the Valley of the Patia had no vegetation. Everything was covered with water forming a quiet lake whose shores were licking the feet of Western and central cordilleras. Variety of multicolored, brimming with fish from the top of the mountains and joy they danced in the water, the inhabitants of the Earth recreating his gaze watching her Green aquamarine.

Every day, when the Sun stopped in the middle of the sky, the birds of the cordillera central and Western put agreement to change of cordillera. They then flew over water, singing rhythmic tunes that gave rise to the bambuco patiano. The birds, to the interbreed formed a precious polychrome, so that the soul of the Lake filled with emotion. But the evil has always existed. It is not known where they came two monsters large and gray, with a huge, full of sharp teeth and thousands of feet trunk.

These monsters are interned in the sea and devoured the goldfish. Then, when the birds were his spectacle, the monsters jumped, catching many while flying and chasing the rest with his voice hoarse as of Thunder. Subsequently, they began to swim from North to South and South to North, skirting mountain ranges and began to drink the water. After that were all water monsters are swollen. With their legs and their snouts gaps opened two tremendous, were buried and fell asleep. Then, from their jaws began to sprout water spurting that eventually was diminishing. The water coming out of the mouth of the two monsters gave rise to the Patia and Guachicono rivers.

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