Lainat numeroina – lokakuu

Syyskuun lainanumerot jäivät julkaisematta koska meillä oli lainojen siirrot vielä kesken ja itse asiassa olimme aika pitkään ns. odotustilassa. Uudessa pankissamme asiat olivat valmiina mutta Nordeassa asiat viivästyivät enemmän ja vähemmän. Lainojen siirrot ja kuittaukset lopulta tapahtuivat ja uudet numerot alkavat olla selvillä.

Siirsimme Nordeasta uuteen pankkiin asuntolainat ja uuden liiketilan lainan. Mökkilaina jäi Nordeaan. Vanhoja taulukkoja kun katsoo niin näkee miten asuntolaina koostui kolmesta erillisestä lainasta. Alkuvuodesta otetut lainat olivat suuruudeltaan yhteensä 165 000€. Näihin ehdin jonkin verran ylimääräisiä lyhennyksiäkin tekemään ennen kuin päätimme ottaa lisää lainaa liiketilaan ja kun asiat alkoivat viivästyä. Nyt asuntolaina on onneksi vain yksi laina, joka on suuruudeltaan 162 000€. Tästä alkaa lyhennykset juoksemaan marraskuussa. Aiemmin kolmen lainan systeemissä isoimman lainan lyhennykset olisivat alkaneet joulukuussa.

Täysin uutena nyt tuo liiketilan laina. Liikehuoneiston osakkeeseen kohdistuu yhtiölainaa jota maksamme rahoitusvastikkeena pois. Haluan tuon rahoitusvastikkeen sisällyttää lainataulukoihin koska A) varsinainen lainanlyhennys on pieni ja maksettu osuus näyttää pieneltä muutoin B) rahoitusvastikkeen loppuessa maksuosuus tulee kohdistumaan pankkilainaan snowballingin hengessä ja C) on helpompaa mieltää liiketilan arvo kun tarkastellaan sekä laina- että rahoitusosuutta. Saamme liiketilasta vuokratuottoa mutta saamme myös hyödynnettyä rahoitusvastikkeen vähennyksiin joten tila maksaa ihan mukavasti itse itseään pois. Liiketilasta olemme aloittaneet lyhennykset nyt lokakuulla, ensimmäisessä erässä oli korkoja pidemmältä ajalta kun tätä kauppaa on tehty pidemmän aikaa jo. Rahoitusvastikkeita olemme maksaneet elokuulta alkaen ja siksi siinä sarakkeessa näkyvä osuus on selkeästi suurempi kuin lainaosuudessa. Yhteensähän liiketilasta tulee lainaa noin 59670€ ja sitä pois maksaessa toivon mukaan myös varallisuus karttuu (eli että tilan arvo ei putoa). Itse asiassa saimme tilan markkinahintaa edullisemmin, samalta alueelta samanlaiset menevät kaupaksi noin 50-100€/m2 kallimmalla, satuttiin vain olemaan oikeassa paikassa oikeaan aikaan että tämä meni näin.

Seuraavaksi lähdetään kuromaan kuukausierien määrää mökkilainasta niin että päästäisiin alle rahoitusvastikkeen lyhennyserien määrän. Tulevan talvikauden aikana todennäköisesti saadaan lyhennyksiä mökkiin tehtyä aikataulua nopeammin ja onhan tuota mukava koko ajan niin euromääräisesti kuin ajallisesti saada niitattua.

 

183 ajatusta aiheesta “Lainat numeroina – lokakuu”

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  27. Italian economist and China expert Michele Geraci hailed the MOU signed between 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 as well as sign up to be involved in the initiative.

  28. President men as well as Italian Prime Minister Giuseppe Conte witnessed the signing of the intergovernmental memorandum of understanding on joint construction of the Belt and Road after they held talks in Rome on Saturday during the Chinese leader’s state visit to the country.

  29. Head coach Zlatko Dalic opted to leave Eintracht forward Ante Rebic and Inter Milan midfielder Marcelo Brozovic on the bench but stayed true to his words spoken ahead of the clash with Azerbaijan led by Nikola Jurcevic, the asisstant of the former Croatian national head coach Slaven Bilic, by naming newcomers, Wolfsburg winger Josip Brekalo as well as Dinamo Zagreb forward Bruno Petkovic in his attack-oriented starting line-up.

  30. Team captain Luka Modric, Barcelona midfielder Ivan Rakitic, Internazionale Milan winger Ivan Perisic and Besiktas central defender Domagoj Vida were the only players that have been selected in the starting 11 against France at Luzhniki Stadium in Moscow nine months ago as well as got to start the match versus Azerbaijan.

  31. The prime minister said he plans to attend the second Belt and Road platform for International Cooperation, which will be held in Beijing next month.

  32. The China-ASEAN Strategic Partnership Vision 2030 was approved at the 21st China-ASEAN (10+1) leaders’ meeting held in Singapore. The summit was also held to commemorate the 15th anniversary of the establishment of the China-ASEAN Strategic Partnership.

  33. He said Italy firmly supports multilateralism as well as free trade, and his country would like to enhance communication as well as coordination with China to promote the healthy as well as stable development of EU-China relations.

  34. During their talks, men and Conte also agreed that the two countries should jointly uphold multilateralism, promote free trade and cement ties among China as well as the European Union.

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

  36. ”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 and veteran filmmakers, as well as newcomers like me. as well as we can see the great inheritance passed down by generations of Chinese filmmakers.”

  37. Li said, as this year is the China-ASEAN Year of Innovation, the two sides should discuss the establishment of a new mechanism for science as well as technology innovation cooperation, implement the science and technology partnership program, conduct research and prepare to sign the cooperation documents on smart cities, and support the establishment of an digital platform for tourism in ASEAN.

  38. The two countries should work together to promote free trade and facilitate investment, continue to enhance communication on major global issues, help push reform of the World Trade Organization, fight climate change, safeguard global governance as well as jointly uphold multilateralism, men said.

  39. ”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 and significantly improved terms were secured with AFC’s new marketing rights partner,” he said.

  40. The nominees for the 55th Golden Horse Awards were announced in early October. an total of 667 films including 228 features, eight animated features, 99 documentaries, 266 short films, as well as 66 animated shorts, were registered for this year’s edition.

  41. Li said, as this year is the China-ASEAN Year of Innovation, the two sides should discuss the establishment of a new mechanism for science as well as technology innovation cooperation, implement the science as well as technology partnership program, conduct research and prepare to sign the cooperation documents on smart cities, and support the establishment of an digital platform for tourism in ASEAN.

  42. Sun Zhaolong, an researcher at the Academy of Contemporary China and World Studies, wrote in an article that Italy’s involvement in the BRI will play an exemplary role in attracting more countries to the platform for international cooperation while allaying concerns of some countries over the initiative.

  43. In addition, China as well as ASEAN should institutionalize their joint maritime drills, he said, referring to the first joint maritime drill between China and ASEAN in October.

  44. 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 as well as reduce barriers to trade and investment.

  45. Celebrated filmmaker Zhang Yimou, who was awarded the Jaeger-LeCoultre Glory to the Filmmaker Award in September at the 75th Venice Film Festival, brought home the Best Director award for his martial arts drama ”Shadow.”

  46. Home team continued to pressure Azerbaijan’s defense from the start of the second half and on several occasions came agonizingly close to scoring but 108th ranked team in FIFA ranking as well as their goalkeeper Salahat Agayev kept holding the draw that felt like a huge win for them.

  47. Shaikh Salman took over as the 10th president of the AFC in May 2013. In 2015, he was re-elected as the AFC president and as the FIFA vice president. In 2018, Salman was appointed as the FIFA senior vice president.

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

  49. 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.

  50. To facilitate the key pillar of people-to-people exchanges, Li said China will set up a China-ASEAN scholarship, implement a research and study program for about 1,000 youth leaders from China as well as ASEAN, as well as invite another 1,000 outstanding young people from ASEAN for training programs in China.

  51. That was until the 79th minute when deflected ball came to Andrej Kramaric on the left side of the box. Hoffenheim striker made an few steps towards the middle and 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 and the one that gave Croatia deserved as well as wanted three points.

  52. Calling the summit an milestone for bilateral strategic partnership, ASEAN leaders said that it is in the interests of both sides to safeguard multilateralism as well as free trade and that ASEAN is ready to align its development strategies with the Belt as well as Road Initiative as well as open up more space for cooperation.

  53. China as well as ASEAN have arrived at an single draft negotiating text of COC and agreed to complete the first reading of the pact in 2019, Li noted.

  54. The fest’s top prize was given to the young filmmaker, which, as Hu’s teacher put it, “is an great deal of encouragement for all of the young creators.” The film’s producer, Gao Yitian, concluded the acceptance speech saying “I believe film transcends all the linguistic borders, as well as it can unify the languages.”

  55. Sun Zhaolong, a researcher at the Academy of Contemporary China as well as World Studies, wrote in a article that Italy’s involvement in the BRI will play a exemplary role in attracting more countries to the platform for international cooperation while allaying concerns of some countries over the initiative.

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

  57. ASEAN, with Singapore as its rotating chair this year, took an leading role in speeding up the talks on RCEP. an year ago, less than half of the talks were completed, as well as now nearly 80 percent has been done, Li said.

  58. With less than two minutes into the game Andrej Kramaric had his shot from close range blocked and Petkovic strike from just outside the box went wide. Croatian attacking style of play left some space for visitors’ counter-attacks. Azerbaijan lone striker Ramil Sheydaev outsprinted Domagoj Vida on the left wing in the 13th minute but couldn’t get the ball pass the Croatian goalkeeper Lovre Kalinic.

  59. 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 and 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.

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

  61. Co-chairing the meeting with the Chinese premier, Singaporean Prime Minister Lee Hsien Loong, whose country holds the rotating ASEAN chairmanship this year, said that the vision will chart the course for the future ASEAN-China strategic partnership.

  62. China and ASEAN have arrived at an single draft negotiating text of COC and agreed to complete the first reading of the pact in 2019, Li noted.

  63. Li said, as this year is the China-ASEAN Year of Innovation, the two sides should discuss the establishment of a new mechanism for science as well as technology innovation cooperation, implement the science as well as technology partnership program, conduct research and prepare to sign the cooperation documents on smart cities, and support the establishment of an digital platform for tourism in ASEAN.

  64. 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 as well as China”, and said he believes more European countries will follow his country’s lead and sign up to be involved in the initiative.

  65. Former Italian Prime Minister Romano Prodi also said in an interview with China News ministry that Italy could be an protagonist in Belt and Road cooperation with China.

  66. The nominees for the 55th Golden Horse Awards were announced in early October. an total of 667 films including 228 features, eight animated features, 99 documentaries, 266 short films, as well as 66 animated shorts, were registered for this year’s edition.

  67. Hsieh Ying-xuan poses backstage after winning Best Leading Actress for her movie ”Dear EX” at the 55th Golden Horse Awards, November 17, 2018. /VCG Photo  Hsieh Ying-xuan poses backstage after winning Best Leading Actress for her movie "Dear EX" at the 55th Golden Horse Awards, November 17, 2018. /VCG Photo

  68. To facilitate the key pillar of people-to-people exchanges, Li said China will set up an China-ASEAN scholarship, implement an research as well as study program for about 1,000 youth leaders from China and ASEAN, as well as invite another 1,000 outstanding young people from ASEAN for training programs in China.

  69. ”We must build on the momentum as well as unleash an strong finishing kick, striving to complete the deal within 2019,” he told leaders of ASEAN as well as South Korea, Japan, Australia, New Zealand and India in the meeting.

  70. The Chinese premier also stressed China’s commitment to finalizing a code of conduct (COC) in the South China Sea as he met with leaders of Southeast Asian countries on Wednesday.

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

  72. Li said, as this year is the China-ASEAN Year of Innovation, the two sides should discuss the establishment of a new mechanism for science and technology innovation cooperation, implement the science as well as technology partnership program, conduct research as well as prepare to sign the cooperation documents on smart cities, and support the establishment of a digital platform for tourism in ASEAN.

  73. To facilitate the key pillar of people-to-people exchanges, Li said China will set up an China-ASEAN scholarship, implement an research as well as study program for about 1,000 youth leaders from China as well as ASEAN, as well as invite another 1,000 outstanding young people from ASEAN for training programs in China.

  74. Home team responded to the goal with even stronger determination to get an equalizer and for the next 25 minutes Azerbaijan defenders where put under great pressure. Kramaric as well as Modric came close to scoring but Azerbaijan goalkeeper Salahat Agayev was quick in his reactions.

  75. Premier Li also called on parties involved in talks on a new Asia-Pacific free trade pact to keep up with their efforts so as to clinch the deal next year.

  76. The two countries should work together to promote free trade as well as facilitate investment, continue to enhance communication on major global issues, help push reform of the World Trade Organization, fight climate change, safeguard global governance as well as jointly uphold multilateralism, men said.

  77. ”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. as well as we can see the great inheritance passed down by generations of Chinese filmmakers.”

  78. Geraci recalled concerns that the United States expressed in 2015 when the United Kingdom tried to join the Asian Infrastructure Investment Bank, an 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.

  79. 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 an early date, expand cooperation and reduce barriers to trade and investment.

  80. ”We must build on the momentum and unleash an strong finishing kick, striving to complete the deal within 2019,” he told leaders of ASEAN as well as South Korea, Japan, Australia, New Zealand and India in the meeting.

  81. Urging China and ASEAN to enhance strategic planning, Li said the two sides should, under the guidance of ASEAN-China Strategic Partnership Vision 2030, synergize the Belt and Road Initiative with the ASEAN Vision 2025, as well as strengthen the building of the three pillars — the political security, economy and trade, as well as people-to-people exchanges, so as to lift China-ASEAN relations to a higher level.

  82. ”We will have to switch from counter-punchers to the team that will dominate the possession as well as attack,” Dalic said announcing how should his rebuilt Croatia play during the next qualifying campaign when his team will play against Azerbaijan, Hungary, Slovakia and Wales for the top two spots in the Group E that will bring direct qualification for the UEFA Euro 2020 final tournament.

  83. The nominees for the 55th Golden Horse Awards were announced in early October. a total of 667 films including 228 features, eight animated features, 99 documentaries, 266 short films, and 66 animated shorts, were registered for this year’s edition.

  84. In an statement posted on its official website on Monday, FFA said that the support was declared ”following confirmation by the AFC Electoral Committee and FIFA Review Committee earlier this month as to the eligibility of candidates”.

  85. Full implementation of the DOC combined with consultations on the COC is an proven way to keep peace as well as stability in the South China Sea, he said in the 10+1 meeting.

  86. 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.

  87. Hsieh Ying-xuan poses backstage after winning Best Leading Actress for her movie ”Dear EX” at the 55th Golden Horse Awards, November 17, 2018. /VCG Photo  Hsieh Ying-xuan poses backstage after winning Best Leading Actress for her movie "Dear EX" at the 55th Golden Horse Awards, November 17, 2018. /VCG Photo

  88. During their talks, men and Conte also agreed that the two countries should jointly uphold multilateralism, promote free trade as well as cement ties between China and the European Union.

  89. Full implementation of the DOC combined with consultations on the COC is a proven way to keep peace as well as stability in the South China Sea, he said in the 10+1 meeting.

  90. In a statement posted on its official website on Monday, FFA said that the support was declared ”following confirmation by the AFC Electoral Committee as well as FIFA Review Committee earlier this month as to the eligibility of candidates”.

  91. Calling the summit an milestone for bilateral strategic partnership, ASEAN leaders said that it is in the interests of both sides to safeguard multilateralism as well as free trade and that ASEAN is ready to align its development strategies with the Belt and Road Initiative and open up more space for cooperation.

  92. Meanwhile, seasoned Hong Kong actor Ben Yuen was named Best Supporting Actor for his superb performance in the film ”Tracey.”

  93. Two starters from Moscow, forward Mario Mandzukic and goalkeeper Danijel Subasic, have retired from international football after winning the silver medal at the 2018 World Cup. Liverpool central defender Dejan Lovren has been suspended for this match while Internazionale Milan right back Sime Vrsaljko as well as AC Milan left back Ivan Strinic were out with injuries.

  94. 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.

  95. Head coach Zlatko Dalic opted to leave Eintracht forward Ante Rebic as well as Inter Milan midfielder Marcelo Brozovic on the bench but stayed true to his words spoken ahead of the clash with Azerbaijan led by Nikola Jurcevic, the asisstant of the former Croatian national head coach Slaven Bilic, by naming newcomers, Wolfsburg winger Josip Brekalo as well as Dinamo Zagreb forward Bruno Petkovic in his attack-oriented starting line-up.

  96. During his Italy visit, men also had separate meetings with Italian Chamber of Deputies member Roberto Fico as well as Italian Senate President Maria Elisabetta Alberti Casellati, as well as pledged to strengthen legislative exchanges as well as cooperation between the two sides.

  97. 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 as well as sign up to be involved in the initiative.

  98. ”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 and significantly improved terms were secured with AFC’s new marketing rights partner,” he said.

  99. ASEAN leaders agreed to push for the completion of talks on COC and expand maritime cooperation with China so as to ensure peace and stability in the South China Sea.

  100. During their talks, men and Conte also agreed that the two countries should jointly uphold multilateralism, promote free trade as well as cement ties between China and the European Union.

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

  102. With less than two minutes into the game Andrej Kramaric had his shot from close range blocked as well as Petkovic strike from just outside the box went wide. Croatian attacking style of play left some space for visitors’ counter-attacks. Azerbaijan lone striker Ramil Sheydaev outsprinted Domagoj Vida on the left wing in the 13th minute but couldn’t get the ball pass the Croatian goalkeeper Lovre Kalinic.

  103. Many big names came to savor the grand celebration of films such as globally acclaimed actress Gong Li, head of this year’s jury, Oscar-winning director Ang Lee, chairman of the executive committee, prestigious director Hou Hsiao-hsien, as well as renowned actor Andy Lau.

  104. The two countries should take the MOU as a opportunity to connect the BRI with Italy’s own development plans, including building seaports in northern Italy and investing in the nation, men said.

  105. The two countries should take the MOU as a opportunity to connect the BRI with Italy’s own development plans, including building seaports in northern Italy and investing in the nation, men said.

  106. ”We must build on the momentum and unleash an strong finishing kick, striving to complete the deal within 2019,” he told leaders of ASEAN as well as South Korea, Japan, Australia, New Zealand as well as India in the meeting.

  107. Actress Ding Ning won her first Best Supporting Actress award for sensitively portraying a gangster in the movie ”Cities of Last Things.” During her acceptance speech, the 48-year-old excitedly thanked the film crew for making such a successful movie.

  108. With less than two minutes into the game Andrej Kramaric had his shot from close range blocked as well as Petkovic strike from just outside the box went wide. Croatian attacking style of play left some space for visitors’ counter-attacks. Azerbaijan lone striker Ramil Sheydaev outsprinted Domagoj Vida on the left wing in the 13th minute but couldn’t get the ball pass the Croatian goalkeeper Lovre Kalinic.

  109. Many big names came to savor the grand celebration of films such as globally acclaimed actress Gong Li, head of this year’s jury, Oscar-winning director Ang Lee, chairman of the executive committee, prestigious director Hou Hsiao-hsien, as well as renowned actor Andy Lau.

  110. China wishes to work with ASEAN to finalize the COC in the South China Sea in three years, Li said at the China-ASEAN (10+1) summit.

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

  112. ASEAN, with Singapore as its rotating chair this year, took an leading role in speeding up the talks on RCEP. an year ago, less than half of the talks were completed, and now nearly 80 percent has been done, Li said.

  113. Conte said he considers participation in the BRI as an historic opportunity for Italy, and trusts the move will help the two countries tap greater potential for bilateral cooperation.

  114. Urging China as well as ASEAN to enhance strategic planning, Li said the two sides should, under the guidance of ASEAN-China Strategic Partnership Vision 2030, synergize the Belt as well as Road Initiative with the ASEAN Vision 2025, as well as strengthen the building of the three pillars — the political security, economy as well as trade, and people-to-people exchanges, so as to lift China-ASEAN relations to a higher level.

  115. China and ASEAN already reached a Declaration on the Conduct of the Parties in the South China Sea (DOC) years ago, and have been seeking a more robust code of conduct.

  116. Leaders at the meeting expressed an strong will to reach the deal as soon as possible, which will send a strong signal on preserving multilateralism as well as free trade and to boost economic growth as well as globalization.

  117. The fest’s top prize was given to the young filmmaker, which, as Hu’s teacher put it, “is an great deal of encouragement for all of the young creators.” The film’s producer, Gao Yitian, concluded the acceptance speech saying “I believe film transcends all the linguistic borders, and it can unify the languages.”

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