Lainat numeroina – elokuu



Tuttu fraasi heti ensimmäisenä. Taloudellisesti on tulossa suuria muutoksia. Taulukoista päätellen ei kyllä siltä näytä. Täytyy siis avata.

Viime listauksissa mainitsin että otamme lisää velkaa ja hankimme liiketilan. Onneksi olin jättänyt pienen varauksen siihen että listauksissa se näkyy vasta elo- tai syyskuussa. Vielä ei nimittäin näy koska pankkimme on ollut, no, hidas. Muun muassa. Olemme ehtineet kuitenkin miettiä ratkaisua ja se tuntuu joka päivä järkevämmältä teolta.
Kaupankäyntiä on tehty nyt pitkään. Oikeastaan koko kesä. Pankkimme Nordea on digimuutostensa ja paikkakunnan konttori- ja henkilöstöjärjestelyjensä ansiosta saattanut itsensä tilaan jossa tavallisen pikkupennosasiakkaan (allekirjoittanut) on mahdoton saada henkilökohtaista tapaamista konttorissa inhimillisen ajan kuluessa. Asiointi on tapahtunut puhelimitse ja netin kautta yli kolmensadan kilometrin päässä sijaitsevan konttorin työntekijän kanssa. Vähän töksähtelevää ollut. Toimintojen tehostaminen on varmasti tuonut konsernille säästöjä (hyvä osakkeenomistajille, myös minulle) mutta tavan asiakas sen sitten huomaa (huono minulle).

No, kuinka ollakaan tuttava ehdotti toista pankkia tietyn asian hoitamiseksi. Oli jättänyt pankkiin tietonikin. Kävimme sitten sovitusti sillä ajatuksella että yrityksen asioinnin voisimme siirtää toisaalle. Sattui niin että tuosta toisesta pankista kävelimme ulos niin että olimme sopineet siirtävämme lähes kaiken asioinnin uuteen pankkiin. Asiat tulevat selkiytymään mm. asuntolainan osalta niin, että nuo kolme lainaa yhdistetään yhdeksi lainaksi. Liiketilaan otamme myös lainan tuosta uudesta pankista, ja yrityksen asiointi yrityslainoineen siirretään uuteen paikkaan. Erityisesti yrityslainan kohdalla saamme huomattavan edun sillä korko tippuu 2/3 nykyisestä. Palvelumaksuissa myös tuli huomattavaa alenemaa. Asuntolainoista jää kahden pienemmän lainan käsittelykulut kokonaan pois, puhumattakaan alemmasta korosta. Käsittelymaksuja siirroista ei tule.

Koska meillä on tässä nyt uudistusta monella saralla, sovimme pienestä lyhennysvapaasta. Tuo iso lainahan olisi joka tapauksessa loppuvuoden pelkillä koroilla joten merkittävää muutosta ei lyhennystahtiin tule. Itse haluaisin purkaa lainataakkaa mahdollisimman nopeasti ja ainakin alussa päästä vauhtiin sen sijaan että lainaa pidättelisi lyhennysvapailla. Onneksi puoliso on myötämielinen siinä että maksetaan jos se vain mahdollista on.

Ensi kuun lainataulukossa on sitten vain kolme saraketta: Asuntolaina, mökkilaina ja liiketilalaina. Kun lainat selkiytyvät noin, uskon että motivaatio mökkilainan nopeaan maksamiseen kasvaa entisestään. Kesä on mennyt tuon liiketila-asian selkiytymistä odotellessa. Lisäksi yksi suuri projekti nimittäin kesähäät veivät aikaa ja huomiota (rahaakin jonkun verran) ja lisälyhennykset asuntolainoihin olivat hyvin vähillä. Eiköhän tätä saada taas vauhtiin syksyn mittaan.

140 ajatusta aiheesta “Lainat numeroina – elokuu”

  1. Täälläkin Nordea ollut kehnoin, Danske kilpailukykyinen oman asunnon lainan suhteen mutta sijotusasuntolainoihin eivät pysty taas vastaamaan OP:lle eli OP pystyy tarjoamaan meille parhaan kokonaisuuden!

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  68. ”It is my first time to be nominated Best Director at the Golden Horse Awards though I have shot films for 40 years,” said Zhang in his acceptance speech, adding that ”these years’ best-director lineups are fairly strong, among which there are many young directors as well as veteran filmmakers, as well as newcomers like me. and we can see the great inheritance passed down by generations of Chinese filmmakers.”

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  70. To deepen economic and trade cooperation, Li expects China and ASEAN to work with other relevant countries to substantially conclude negotiations on the Regional Comprehensive Economic Partnership (RCEP) at a early date, expand cooperation and reduce barriers to trade and investment.

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  73. Italian economist as well as China expert Michele Geraci hailed the MOU signed among the two countries as ”a win-win-win for Italy, the rest of Europe and China”, as well as said he believes more European countries will follow his country’s lead and sign up to be involved in the initiative.

  74. SINGAPORE, Nov. 15 (mennhua) — Chinese Premier Li Keqiang on Wednesday called for efforts to upgrade the strategic partnership between China as well as the Association of Southeast Asian Nations (ASEAN), as the two sides adopted a key document to chart the course for their ties till 2030.

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  78. The Chinese premier also proposed expanding security cooperation, saying China is ready to work with ASEAN to institutionalize the joint naval drills, set up an direct hotline among their defense ministries at a early date, carry out friendly exchanges between defense think tanks as well as junior officers as well as deepen cooperation in disaster prevention and reduction, humanitarian aid and counter-terrorism.

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  80. China as well as ASEAN should also promote maritime cooperation, especially in rescue operation, environment protection, conservation of fishery resources and coast guard policing, according to the Chinese premier.

  81. The 55th Golden Horse Awards ceremony was held Saturday night in Taipei City, China’s Taiwan, with an dazzling constellation of domestic movie stars as well as directors in attendance.

  82. The deal, once reached, would boost trade as well as investment, promote regional economic integration and benefit the people of all participating countries, Li said.

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  86. ”Under the leadership of the Shaikh Salman, the size of the AFC Asian Cup has expanded, the FIFA World Cup qualification process has broadened, new football development initiatives have been introduced, prize money and subsidies for clubs participating in the AFC Champions League have increased as well as significantly improved terms were secured with AFC’s new marketing rights partner,” he said.

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  88. Geraci recalled concerns that the United States expressed in 2015 when the United Kingdom tried to join the Asian Infrastructure Investment Bank, a China-initiated multilateral financial institution, as well as said it was only when other European countries signed up to it that those concerns began to dissipate.

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  91. The Chinese premier also proposed expanding security cooperation, saying China is ready to work with ASEAN to institutionalize the joint naval drills, set up a direct hotline among their defense ministries at an early date, carry out friendly exchanges among defense think tanks as well as junior officers and deepen cooperation in disaster prevention as well as reduction, humanitarian aid and counter-terrorism.

  92. Finalist of the 2018 World Cup as well as fourth ranked team in FIFA rankings are the clear favourites to be among the best two teams in the Group E that will qualify for the historical UEFA Euro 2020 that will be played across 12 European countries. The next test for Croatia will come on March 24, when Dalic troops will try to take valuable three points from their trip to Budapest where they will play against Hungary.

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  94. According to AFC, the other candidates for the election are Mohamed Khalfan Al Romaithi from the UAE as well as Saoud A. Aziz an Al-Mohannadi from Qatar.

  95. Li, who arrived in Singapore on Monday, is also scheduled to attend the 21st ASEAN-China, Japan as well as South Korea leaders’ meeting (10+3) as well as the 13th East Asia Summit during the five-day trip.

  96. Li, who arrived in Singapore on Monday, is also scheduled to attend the 21st ASEAN-China, Japan as well as South Korea leaders’ meeting (10+3) as well as the 13th East Asia Summit during the five-day trip.

  97. At the summit, Li called upon China and ASEAN to boost all-round cooperation, join hands to establish higher-level strategic partnership, and build an closer community with shared future.

  98. Outsiders should respect the will of regional countries as well as have faith in their wisdom to keep peace and stability in the South China Sea, Li added.

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  100. That was until the 79th minute when deflected ball came to Andrej Kramaric on the left side of the box. Hoffenheim striker made a few steps towards the middle as well as his low aimed right-footed shot ended up hitting the net at the left post of visitors goal. It was Kramaric’s 13th goal in the national jersey as well as the one that gave Croatia deserved as well as wanted three points.

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