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Mutuo breve e togliersi subito il debito vs mutuo lungo approfittando dei tassi

2022.01.19 05:21 cesaregiulio Mutuo breve e togliersi subito il debito vs mutuo lungo approfittando dei tassi

Mi trovo nel seguente bivio
premetto in arrivo un bambino che sarà l'unico
Casa a 20 anni di vita appena ristrutturata internamente e isolamento termico esterno fatto un paio di anni fa ultimo piano con bella terrazza panoramica ed esposizione su tre lati metri quadri 100 Zona fuori città e dipendente da auto servizi essenziali presenti (scuole fino alle medie,poste banche e piccolo supermercato) Rivendibilità:6 (causa assenza mezzi pubblici) Mutuo 15 anni Rata 17% reddito familiare (io e mia moglie abbiamo la stessa ral)
Casa b 30 anni di vita, niente lavori interni ed esterni piano intermedio metri quadri 80 zona decentrata ma collegata con diversi mezzi Servizi presenti in grande quantità ,grandi centri commerciali nelle vicinanze,palestre,piscine e attività ricreative Rivendibilità 8 (causa vicinanza mezzi e molteplici servizi raggiungibili a piedi o a pochi minuti di auto) Costo maggiorato del 60% rispetto all'opzione A Mutuo 25 anni Rata 23% reddito familiare
Considerando lo stesso anticipo e aumentando del 5% la rata dopo 15 anni mi ritroverei con l'opzione a dovrei avrei difficoltà a rivendere (tempo stimato un paio di anni) e l'opzione b dove dovrei ancora pagare il 30% di mutuo con una rata sostenibile ma molto più facilmente rivendibile (tempo stimato un anno)
Cosa fare nel 2022 sfruttare le banche e i loro tassi per avere in patrimonio un asset di facile rivendita oppure sempre meglio togliersi prima il debito e vivere in un abitazione con spazi idonei per 3 persone
ps premetto che in entrambi i casi sia io che mia moglie manteniamo liquidità investita di emergenza che ompensano un paio di anni non lavorativi e ce nel caso ci permettono di non dover nel caso vendere l'abitazione dopo un paio di mesi
pps da escludere di aumentare l'anticipo alle banche per l'opzione b
submitted by cesaregiulio to ItaliaPersonalFinance [link] [comments]


2022.01.19 05:21 a_wonderful_boy Are DVD and Blu-ray discs that were in a cabinet in front of heater damaged?

My girlfriend stored some DVD and Blu-ray discs in a cabinet which was in front of a heater (with no back on the cabinet). The front of the cabinet is a glass door. The heater in the room is able to warm up to 90° Fahrenheit. They were stored there for about a month. When we pulled out some of the dvd’s (in their cases), some were hot enough that it made me feel “burned” when I touched it. All the discs are in plastic cases. Some were never opened, and the sheeting of plastic around them has “opened” (it was melted off). One of the cases itself even warped. Are the DVDs still playable? I played the one where the casing was warped and it seemed to play just fine. I’d really appreciate any ideas, because she wants to sell some of them. Thank you.
submitted by a_wonderful_boy to AskPhysics [link] [comments]


2022.01.19 05:21 Eaglenger Building SQL Queries with Excel

Building SQL Queries with Excel submitted by Eaglenger to udemyfreebies [link] [comments]


2022.01.19 05:21 Mynewsify-Website Police wrapping up probe into Johor rep over sexual harassment allegation, Malay Mail – Malaysia

Police wrapping up probe into Johor rep over sexual harassment allegation, Malay Mail – Malaysia submitted by Mynewsify-Website to MynewsifyNews [link] [comments]


2022.01.19 05:21 Krouser1522 God doesn’t send you to hell you choose to go to hell

Just heard this argument and wanted to display it for everyone to discuss. Personally I think it makes no sense logically.
Rick- God doesn’t send you to hell because you choose to go there/you send yourself there. Matt- Doesn’t God make the rules who does and doesn’t go to hell? Rick- yes Matt- so it’s not my decision it’s God’s decision. Rick-you are making the choice because you turned your back on God. Matt- ok I am not convinced god exists but you can’t have a situation where god makes the rules on who goes and doesn’t go to hell and say I have a choice in the matter. This is like saying when the mob rules an area and they come into my shop it will be a shame if something were to happen to it..doesn’t the store owner make the choice whether or not they are going to get killed by the mob?
Rick- yes they make the choice but God doesn’t want to hurt you he doesn’t want you to go to hell. Matt- how do you know? If god doesn’t want me to go to hell then he ultimately makes the decision whether or not to send me there. If he truly doesn’t want me to go then he doesn’t have to send me there. Rick- true
Matt-ok so if he doesn’t want me to go and he doesn’t have to send me there then why would I be going there? Rick-your free to make the choice Matt- ok let me try this another way let’s say you have your girlfriend or wife. If you make rules and say to your wife if you speak to me loudly I will hit you and she speaks to you too loudly and you hit her is that her fault?
Rick- no and I would never hit my wife. Matt- ok and if you don’t want to hit your wife and it’s your decision whether or not you hit your wife, how can anything she ever does make it her choice to be hit? Rick- no because I love her. Matt- ok does god love me? Rick- yes Matt- does he want to hurt me? Rick- no Matt- does he make the rules whether or not I will be hurt? Rick- yes Matt- can god just send me to heaven if he wants to? Rick- yes Matt- why doesn’t he? Rick- long silence….choice it’s all in the Bible it explains it there..god loves us all Matt- you are talking just like an abused spouse..he hits me because he loves me!
submitted by Krouser1522 to atheism [link] [comments]


2022.01.19 05:21 akunke8yanglaindiban Kominfo Buka Lowongan Kerja Terbaru 2022 Non PNS, Ini Posisi dan Syaratnya - Regional Kontan

submitted by akunke8yanglaindiban to Pengangguran [link] [comments]


2022.01.19 05:21 No_Advance430 Tablets dealers hyderabad, telangana, andhra pradesh, nellore|Tablets price in hyderabad|Tablets pricelist|Tablets models|Tablets best price in india|Tablets service center in hyderabad

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2022.01.19 05:21 TheEminenceInShadow City saved

City saved submitted by TheEminenceInShadow to memes4allz [link] [comments]


2022.01.19 05:21 akunke8yanglaindiban Info Lowongan Kerja dan Magang Bakti BCA 2022 - Bisnis.com

Info Lowongan Kerja dan Magang Bakti BCA 2022 - Bisnis.com submitted by akunke8yanglaindiban to Pengangguran [link] [comments]


2022.01.19 05:21 operadrama92 Hi there! How long would it take to make these models? Just curious.

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2022.01.19 05:21 Negative_Difference4 According2Taz’s latest tweet… shows her full response to Jack Royston (Newsweek) article on the ‘sad man’ Bouzy report

According2Taz’s latest tweet… shows her full response to Jack Royston (Newsweek) article on the ‘sad man’ Bouzy report submitted by Negative_Difference4 to SaintMeghanMarkle [link] [comments]


2022.01.19 05:21 EconEuler EU regulators don't want green mining either since it competes with other industries

EU regulators don't want green mining either since it competes with other industries submitted by EconEuler to Anarcho_Capitalism [link] [comments]


2022.01.19 05:21 dujeCo Getting saved by a friend in twitch chat during a stream :-D

https://youtu.be/KUQdyOdBYSk
I didn't have a clue here this game playing Thief Rogue :-D
My friend saved me bigtime.
submitted by dujeCo to hearthstone [link] [comments]


2022.01.19 05:21 Mynewsify-Website Quetta court hands over three arrested women to parents, The Nation – Headlines

Quetta court hands over three arrested women to parents, The Nation – Headlines submitted by Mynewsify-Website to MynewsifyNews [link] [comments]


2022.01.19 05:21 akunke8yanglaindiban Lowongan Kerja Surabaya 19 Januari 2022 untuk Lulusan SMA/SMK: Posisi Administrasi hingga Guru/Dosen - Surya.co.id

Lowongan Kerja Surabaya 19 Januari 2022 untuk Lulusan SMA/SMK: Posisi Administrasi hingga Guru/Dosen - Surya.co.id submitted by akunke8yanglaindiban to Pengangguran [link] [comments]


2022.01.19 05:21 TheEminenceInShadow wait this actually makes sense

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2022.01.19 05:21 DoboszewskijPL There is also official PEGI Rating on Xbox Store page.

There is also official PEGI Rating on Xbox Store page. It says: "For 7+. Fear, violence, in-game purchases".
https://preview.redd.it/94yr9cpctlc81.png?width=322&format=png&auto=webp&s=37c95075728f9cb3f9c8c5a2cd35a39d22e6c857
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2022.01.19 05:21 akunke8yanglaindiban Ketahui Lowongan Kerja di PT Grab Posisi Head of Legal & Secretariat Malaysia, Ini Syaratnya - Tribun Palu

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2022.01.19 05:21 TheEminenceInShadow Garfield lore

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2022.01.19 05:21 Vast-Form8116 What was the best purchase you made during the pandemic?

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2022.01.19 05:21 Tailedloaded Nice cols water is a great chaser

Sometimes ill go "Uugh uugg I'm goanna puke" in my mind or out loud but lately from my experience just ill have a swig of a nice cold water bottle or glass and my mind will feel completely refreshed, lose some of the nausea and then I can drink again.
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2022.01.19 05:21 JizzMaker3 Starting scrotum run, spiced things up by using the same moves

Starting scrotum run, spiced things up by using the same moves submitted by JizzMaker3 to pokemonradicalred [link] [comments]


2022.01.19 05:21 Mutant_Xj I bought some bigger shelves for our collection but still have to figure out how to fit it all in.

I bought some bigger shelves for our collection but still have to figure out how to fit it all in. submitted by Mutant_Xj to gamecollecting [link] [comments]


2022.01.19 05:21 Tutanota Google Analytics declared illegal in the EU.

Google Analytics declared illegal in the EU. submitted by Tutanota to tutanota [link] [comments]


2022.01.19 05:21 Ghost_Meyer Petition to add this skin into CODM? I call it Ghost - One-Four-One

Petition to add this skin into CODM? I call it Ghost - One-Four-One submitted by Ghost_Meyer to CODM [link] [comments]


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