Kredyt hipoteczny

Do takich celów na nieszczęście nie kwalifikuje się renowacja czy wykończenie mieszkania. Toteż w ofercie projektu z dotacjami nieprawdopodobne jest dostanie zobowiązania na taki cel.

Zobowiązanie na zakup mieszkania może być uzyskany w ramach tego projektu, lecz maksymalny poziom nie jest określony w regulacji i definiowany jest przez instytucja bankowa. Większość banków świadczy kredytów na 100% ceny nieruchomości, jakkolwiek w nielicznych, np. BZ WBK, najwyższa kwota może być zmniejszona do 90%.

W związku z tym pozyskanie zobowiązania na kupno na 100% ceny jest możliwe, jednak połączenie tego celu z remontem nieruchomości nie jest możliwe w ofercie programu Rodzina na Swoim. Bez wątpienia taka struktura jest dopuszczalna w ramach zobowiązania „tradycyjnego” bez subwencji z budżetu państwa.

Sporo kredytobiorców wybierając pożyczkę sugeruje się sumami comiesięcznych rat. Aczkolwiek tylko konfrontacja propozycji na bazie rzeczywistej stopy oprocentowania zdoła wykazać autentyczne koszty zobowiązania.

Oprocentowanie rzeczywiste pod uwagę bierze nie tylko ceny odsetek, uwzględnia także ceny transferów inwestycyjnych powiązanych ze spłacaniem pożyczki w poszczególnych okresach utrzymywania umowy pożyczkowej.

Charakterystykę i strategia liczenia RRSO wymienia norma prawna o kredycie konsumenckim. Dzięki temu, że metodyka szacowania jest jednakowa w przypadku każdego kredytu, RRSO kreuje bezstronne narzędzie umożliwiające zestawienie przeróżnych produktów pożyczki.

Aby wyłonić najatrakcyjniejszy kredyt gotówkowy powinno się korzystać ze specyficznych narzędzi zawartych w portalach finansowych. Kalkulator kredytowy który szacuje na bazie RSSO można znaleźć w portalu ror.pisz.pl.

Dzięki takiemu zestawieniu paru produktów mamy kompletny obraz wydatków jakie nas czekają. Zrozumiemy także różnorakie rodzaje spłat.

Z badań przeprowadzanych przez znane serwisy finansowe wychodzi iż dużo polaków nie wie jak posługiwać się tym parametrem. Kalkulator kredytowy gwarantuje w niezmiernie łatwy sposób dokonanie zestawienia wielu najpopularniejszych propozycji. Wystarczy podać kwotę zobowiązania i okres na jaki potrzebujemy go wziąść . Kalkulator kredytowy przeprowadzi całą pracę. Wystarczy wówczas skonfrontować obliczenia i od razu widać jaka propozycja jest najtańsza.

Nie trzeba jednak tego w całości zawierzyć przeczuciom, ale starannie obliczyć parę rzeczy.

Zdolność do spłacania kredytu

Najważniejsze, trzeba wyznaczyć swoją zdolność finansową. To nie jest nadmiernie złożone zadanie, dlatego że w sieci można odnaleźć wiele kalkulatorów.

Najkorzystniej jest wyszukać taki, który zapewnia nam wybór oprocentowania zobowiązania konsumpcyjnego, co da w wyższym stopniu wiarygodne rezultaty.

Kalkulator kredytowy ze zdolnością pożyczkową to wstęp, istotne są nasze możliwości. Korzystając z kalkulatora zdołamy odpowiedzieć sobie na kwestię, czy kredytodawca przydzieli nam pożyczkę.

Jakkolwiek czy będziemy go w stanie wyrównać trzeba sobie już odpowiedzieć samemu. Zawsze powinno się brać pod uwagę taką opcję, iż może zdarzyć się coś nieprzewidzianego co naruszy naszą harmonię finansową.

Readers often ask me for advice on how to move on. Often they want to forgive their spouses for an affair—whether it be physical, emotional, or financial. Sometimes they want to find a way to reach acceptance over an issue that they know will never change. And some just want to leave behind the habitual negativity that they’ve been carrying around with them for so long that it feels like a comfortable pair of jeans.

I’ve written about how to get past an affair here and here, as well as how to overcome trust issues. So I won’t rehash that advice. In this post, I’d like to share some simple yet powerful tricks I’ve learned through my study of Buddhist meditation. I hope you find them helpful.

1. Rejoice for your spouse’s good fortune. When we are envious, we feel that someone doesn’t “deserve” his good fortune, that we deserve the good fortune more, or both. For instance, for s long time I was quite envious of a fellow book author because her book made the New York Times bestseller list and mine didn’t. I spent more time than I care to admit comparing our books and mentally whining that my book deserved to be on the list more than hers did. I also believed that I deserved it more, too, because I had worked harder (or so I thought). That’s envy. I learned to counter it, in part, by rejoicing for her—being as happy for her good fortune as I might be for a dear friend who’d just birthed a baby. I also reminded myself that someone else’s good fortune had nothing to do with mine. It wasn’t easy, but over time I came to truly believe this. I was even able to feel happy for author and all she had done to deserve her success.
2. Offer it to a higher power. Sometimes we grasp onto negativity, an object or another person much like Gullum, in Lord of the Rings, hoarded his “precious” ring. We obsess over it. We can’t stop thinking about it. We worry the world might blow up if we part with it. To loosen up this attachment, try mentally gifting the object or person to someone or something else. For instance, I was very attached to my book getting on the bestseller list. To help ease that attachment, I imagined myself giving my book to the Buddha. I did this every day, sometimes several times a day. Eventually my attachment loosened and I was able to give away the book to human beings in real life, too. Other people tell me that they’ve used this technique to release their attachment to other people—especially ones they are not married to—and even to foods, negative thinking and more. Imagine a person in real life or a spiritual being and see yourself giving this being your gift as you say, “I would like you to hold onto this for a while” or “Here, I would like you to have this.”
3. Weed your mind. Think of your mind like a garden and your positive thoughts like the flowers or fruits you are trying to grow in that garden. Think of your negative thoughts as the weeds. As envy and other negative emotions come up, visualize yourself weeding those thoughts from your garden and pouring water, fertilizer and loving care onto your compassionate and forgiving thoughts instead. If you pay more attention to virtuous thoughts, they will grow stronger. If you pay less attention to non-virtuous thoughts, they will grow weaker. It’s all a matter of where you choose to place your attention.
4. Know suffering. Most of us, myself included, cling to the flawed notion that, someday, our lives will be perfect. We probably all have a different idea of perfect. For me, it’s the day when all of my bills are paid, my body no longer aches, freelance work comes to me effortlessly, my entire house is clean at the same time, my kid does her homework without me losing my temper, all of the various things that are now broken (heater, air conditioner, car radio, dish washer, ice maker, bedroom shade) are fixed, and people pay me to write memoirs and essays. Okay, I’d settle for my body not aching. At any rate, the reality is that life is never perfect. Sure we might all have a moment here and there where things feel just right. Most of the time, however, there’s a bill we weren’t expecting, a husband who is not doing what we asked, a kid who is whining about her homework and a new puppy who has just peed by our desks. Or maybe that’s just me. If you consider this truth often, you will accept that suffering is a part of life and that your life will never be perfect. Once you can do that, then you will be able to accept what will not change.
5. Love your enemies. Whenever I find myself feeling envious or someone, I force myself to do a favor for that person. I find I am mostly envious of other writers, authors and bloggers, so I invariably find myself promoting other author’s books, work and blogs. I help them network. I even have gone as far as to help them find work. In the end, this truly isn’t a punishment. Once I am able to let go of my envy, I feel better. I also usually end up turning a person I once saw as an enemy into a friend.
6. Practice equanimity. One of the goals of Buddhism is to love everyone equally. The Buddhists say that seeing someone as an enemy means we are giving inappropriate attention to someone’s faults. When we see someone as precious and are jealous, we give inappropriate attention to that person’s pluses. To ease yourself out of those extremes, it’s helpful to visualize three sets of beings: 1) Those you love unconditionally (such as your children or pets) 2) Those you feel neutral about (such as the stranger on the treadmill next to you at the gym) 3) Those you feel negative toward. Take the strong love you feel from the first set and see if you can apply it to the second and third set. At first, you might just picture yourself sending these beings warm, white light. Over time you might hear yourself saying, “I wish you much happiness” and you won’t have a single tinge of sarcasm when you say it.

What are you struggling to overcome in your relationship? What do you wish you could part with? How has envy and jealousy affected your relationships? What strategies do you use to help yourself forgive, accept and move on?

Learn more about Alisa’s book, the story of how she went from wishing her husband dead to falling back in love.

To find out how the book has changed lives click here.

Want to discuss Project: Happily Ever After at book club or your church group? Click here for an entertaining guide.
Go to ProjectHappilyEverAfter.com for more marriage advice or to converse with other recovering divorce daydreamers.

Kayt Sukel is a courageous woman. For a story, she once agreed to have her brain scanned while she was having an orgasm. I understood that, according to science, her orgasm was nothing short of amazing. You might even say it was mind blowing. (Sorry, couldn’t resist).

Kayt is also courageous for another reason. She’s a journalist who makes a living much in the same way I do. One day she got the bravery to write a proposal for a daring book about sex. She now finds herself in the absolutely terrifying place I was just one year ago. The book is out. She wants it to do well.

I can’t even begin to express how scary it is to publish a book. I want her book to sell.

I want it to sell because I like Kayt and I want her to be happy and sane. I want it to sell because it’s a good book, one that you will learn from. It will turn everything you thought you knew about sex and relationships upside down. Here’s just a small taste. Buy the book. You won’t be sorry.

5 Big Fat Myths about Monogamy

by Kayt Sukel

You’ve heard it all before:  every time a politician or professional athlete gets caught with his pants around his ankles (or with his naughty bits captured for posterity on some young ingénue’s cellular telephone), the debate about monogamy starts again.  Is monogamy possible?  Is it even natural?

There are some compelling arguments on both sides of this debate.  Which may be why it keeps coming up time and time and again.  But while some will tell you that the latest and greatest findings in science suggest monogamy—especially the lasting kind of monogamy—is not and never was an option, science is rarely that clear cut.  Here are five big fat myths about the big ‘M’:

Myth 1:  Humans aren’t cut out for monogamy—never were and never will be.

Celebrity divorces, political dalliances—they bring out those relationship experts who long to tell you all about why monogamy isn’t “natural.”  But let’s face it, there’s not much that we, as evolved human beings do, that is all that “natural” anymore.  Think about it:  we live in houses with air conditioning and big-screen televisions.  We get our food in cellophane-wrapped packages at the supermarket.  We use drugs to speed up or slow down our fertility as required.  From my perspective, “natural” has little to do with it.

But leaving that semantic quibble aside, is monogamy “possible?”  Yes, indeed it is.  While our genes, our hormones and our particular path of brain development may make us more or less randy than the average person, and give us suggestions to pursue non-monogamous behaviors, there is nothing to suggest that monogamy is impossible.  The parts of our brains that differentiate us from our evolutionary ancestors (and have helped us to create this world where we live rather “unnaturally”) give us the power to exercise judgment and make our own decisions.  Of course, whether or not it is always easy to remain monogamous an altogether different question…

Myth 2:  Okay, so maybe then men aren’t cut out for it.

Have you ever noticed that when we talk cheating, we’re always looking at the guys?  Never mind that quite a few women participate in extracurricular activities…

Some have argued that cheating is an evolutionary imperative for the guys.  Since males have billions of billions of sperm to spread around and little biological commitment after depositing them, their best mating strategy is to get with as many females as humanly possible.  But once again, there are a lot of steps between a gene, a developing brain and an executed behavior.  There’s no all or nothing here:  men, just like women, have those big old frontal lobes that give them the power to decide.  As one researcher told me, “It’s easy to look at an individual human and say, ‘Aha! His genes made him do it.  When you talk about powerful men who cheat on their wives, it’s all too easy to say that, evolutionarily, this is just what powerful men do and have always done.  That’s just a parody of how evolution really works.  No individual is held captive by his genes.”  That goes for not-so-powerful men, too.

Myth 3:  Romantic love always fades over time.

Look around you.  Chances are you know at least one couple in your own life that has managed to not only stand the test of time but look darn happy while doing it.  Neuroimaging studies have demonstrated that romantic love has a unique signature in the brain—with certain regions lighting up when one person looks at a photo or hears the name of their beloved.  Most of those studies, however, have focused on those who are in the throes of new love.  But, as it turns out, that brain signature can remain even after decades of togetherness.  When researchers at Rutgers University scanned individuals who claimed to still be passionately in love, even after 20 years or more together, they found a very similar brain pattern of brain activation.  Love and passion can be sustained over time.  How and why is still under investigation.

Myth 4:  A simple genetic test can tell you if your mate will cheat.

In the past few years, two genes, AVPR1A and DRD4, have been implicated in monogamous behaviors in animal models as well as in some human genome studies.  AVPR1A codes for a certain type of receptor (the vasopressin receptor) which helps prairie voles form monogamous bonds.  DRD4, a dopamine receptor, has been linked to risk-taking and addiction.  Research done on both of these genes have resulted in headlines like, “Infidelity: It’s All in the Genes,” and “Why He Cheats.”  As well as calls for quick and inexpensive genetic tests to help you see whether or not a partner will be faithful.

There’s just one problem.  It’s not that simple.  And, in the human studies that took a look at these two genes, fidelity wasn’t something the researchers actually looked at directly.  Ooops.

Remember that human brains have big frontal lobes.  And as Justin Garcia, the Binghamton University researcher who studies the DRD4 gene told me, “We’re cognitive creatures.  We recognize there are consequences to our actions.  No matter what our particular genetic make-up may be, we can use our frontal lobes and decide not to cheat.”

Myth 5:  If one partner wants sex a lot more than the other, the only solution is to bring in a pinch-hitter. 

Dan Savage tells couples that they need to be “good, giving and game” to even think about making monogamy work.  He also advocates allowing your partner the occasional sexual indiscretion.

While Savage’s take is an interesting one, the neuroscientific evidence only supports his “good, giving and game” stance—but not just when it comes to sex.  Work in the Cotton-top Tamarins, a monogamous species of monkey, suggests that giving your partner what they want—in terms of affection and sex—helps cement relationships.  Charles Snowdon, a researcher at the University of Wisconsin, Madison, noticed that Cotton-top Tamarin couples, much like human couples, show a lot of variety in affiliation.  Some are very lovey-dovey, while others seem connected by the most tenuous of threads.  He and his team wondered why.  They found that the more loving couples had high correlated levels of a chemical called oxytocin, sometimes called the “cuddle chemical.”  But, what’s more, those oxytocin levels were driven by the partners giving their one and only what the other wanted and needed.  Simply put, they found that when men snuggled and groomed their females more and the females gave their mates more sex, the relationship thrived.  No need for pinch-hitters.

Kayt Sukel is a passionate traveler, science writer and Mom whose work has appeared in the Atlantic Monthly, the New Scientist, the Washington Post, Parenting and American Baby.  She is a partner in the award-winning family travel website Travel Savvy Mom and can frequently be found oversharing on Twitter as @kaytsukel.  Her first book, DIRTY MINDS:  HOW OUR BRAINS INFLUENCE LOVE, SEX AND RELATIONSHIPS  was published today. This funny and irreverent tome takes on the age-old question,”What is love?” from a neurobiological perspective–and offers a frank discussion on how our brains can wreak such havoc with our hearts.

WANT TO WIN A COPY OF THE BOOK? Leave a comment about what you wish you’d learned about sex and relationships a long time ago. I’ll pick one winner by random drawing by the end of the week.

Learn more about Alisa’s book, the story of how she went from wishing her husband dead to falling back in love.

To find out how the book has changed lives click here.

Want to discuss Project: Happily Ever After at book club or your church group? Click here for an entertaining guide.
Go to ProjectHappilyEverAfter.com for more marriage advice or to converse with other recovering divorce daydreamers.

I spend a lot of time in graveyards. I’m fascinated by what I can learn about the no-longer-living by what’s written on their headstones.

For instance, there’s the group grave of the many infants one woman birthed between 1915 and 1920. I ache for that poor mother.

There are also the graves of the husband and wife who died the same year. I like to think that their love was so strong that one could not survive without the other.

There’s one grave that I seek out every day. It belongs to Sue. I did not know her. She died more than 20 years ago, back when I was just a student at Penn State.

She was only 39, too young to die.

Most of the headstones of the too-young say “Departed Too Soon” and “Gone But Not Forgotten.”

Sue’s is different. It reads, “Make Today Count.”

Her grave is near that of her mother, also dead. Her father’s headstone is also nearby, but he is still living. Someone puts fresh flowers on Sue’s and her mother’s graves regularly. They are the most beautiful of flowers. They are not the lifeless, plastic flowers that I see on so many graves. No, these flowers are living, potted, and always bright in color.

I can only guess that the flowers come from the still living father, who, according to his headstone, is now in his 80s.

I like to imagine him visiting his daughter’s grave once a day. I like to think that, if I time things right, I’ll walk by with my dog just as he’s there to pay his respects.

If this ever happens, I will thank him for the impact his daughter has had on my life. Every day I walk by her grave. Everyday I think of her dying too young. Everyday I read the message she left behind.

Everyday I promise Sue that I will do my best to make that day count.

I don’t always follow through on that promise, but I do try.

As I walk home from the cemetery each morning after visiting Sue, I delight in the light, whether it’s the sharp angles of the early morning sun or the hazy softness of an early morning fog. I feel the cold bite on my cheeks and nose. I listen to the sounds of squirrels and birds and the rustling that wind makes against leaves.

I often can accomplish at least that much.

After that, the workday sometimes takes over and I lose myself in the heat of interpersonal conflicts, envy, and irritation. On these days, my computer doesn’t operate as I would like. It’s too sluggish, and I curse the people who make computers. I also curse my fingers for their sloppy typing habits and I curse whatever person didn’t save the file I was working on last. On these days, I go to bed exhausted, but grateful that I get to try again the following day.

On really bad days—especially the days when I am tempted to throw something at my husband—I visit Sue a second time. On these days, I stand before her grave and I tell her about what’s going on in my life. “I’m really trying to make today count, but you just have no idea how difficult my husband can be,” I tell her.

Without fail Sue manages to drain the anger from my soul. I leave with moist eyes and an open heart. Usually I arrive home to a husband who has been transformed and the house a bit cleaner than how I left it.

On other days Sue’s voice whispers to me all day long and I’m able to rise above—to stay level headed and loving no matter what narcissism, arrogance, or irritation someone sends in my direction. On these days my heater, air conditioner, dish washer or car radio can break and I can laugh it as an example of the fleeting preciousness of life. Everything breaks. Everything ends. Enjoy it all while it’s still here. On these days I go to bed with a sense that everything is exactly as it should be.

After such days, I thank Sue. If not for her, I might have just wasted another day. Perhaps I would have wasted it by daydreaming of what my life could be rather than living the life I already have.

If not for Sue, I might not have realized just how precious each and every moment actually is. I never heard her voice while she was alive, but it is with me always. It asks, “If this were your very last moment, would you want to spend it by doing this!?! Really? Because, if I could have one more moment, this is certainly not how I would spend it.”

Now at age 41, I’ve spent two more years alive than Sue was able to. I’m sure she would have given anything for two more years.

If somehow someone had been able to extend her life, I bet Sue would have made it count.

She would have lived the rest of her life wide awake.

She would have tuned into the people around her and out of social media and other distractions. She would have shrugged off negativity. She would not have wasted time blaming or complaining.

Rather than lusting and craving for more possessions, she would have delighted in what she already had. Rather than seeking happiness from the outside, she would have felt it from within.

Rather than waiting for life to get better, she would have loved her life as it was and as it would become.

She would have risen above. She would have loved and been loved.

She would not have held grudges.

She would not have retaliated, schemed, or inflicted misery on others.

She would have lived.

She would have been happy for every single moment, and she would have shared her happiness with others.

At least, that’s what I’d like to think she would have done if she’d had the chance that I have right now.

And the same chance you have, too.

In 2012, listen to Sue. Make today count. Make everyday count.

Don’t waste a single moment.

Learn more about Alisa’s book, the story of how she went from wishing her husband dead to falling back in love.

To find out how the book has changed lives click here.

Want to discuss Project: Happily Ever After at book club or your church group? Click here for an entertaining guide.
Go to ProjectHappilyEverAfter.com for more marriage advice or to converse with other recovering divorce daydreamers.

I spend a lot of time in graveyards. I’m fascinated by what I can learn about the no-longer-living by what’s written on their headstones.

For instance, there’s the group grave of the many infants one woman birthed between 1915 and 1920. I ache for that poor mother.

There are also the graves of the husband and wife who died the same year. I like to think that their love was so strong that one could not survive without the other.

There’s one grave that I seek out every day. It belongs to Sue. I did not know her. She died more than 20 years ago, back when I was just a student at Penn State.

She was only 39, too young to die.

Most of the headstones of the too-young say “Departed Too Soon” and “Gone But Not Forgotten.”

Sue’s is different. It reads, “Make Today Count.”

Her grave is near that of her mother, also dead. Her father’s headstone is also nearby, but he is still living. Someone puts fresh flowers on Sue’s and her mother’s graves regularly. They are the most beautiful of flowers. They are not the lifeless, plastic flowers that I see on so many graves. No, these flowers are living, potted, and always bright in color.

I can only guess that the flowers come from the still living father, who, according to his headstone, is now in his 80s.

I like to imagine him visiting his daughter’s grave once a day. I like to think that, if I time things right, I’ll walk by with my dog just as he’s there to pay his respects.

If this ever happens, I will thank him for the impact his daughter has had on my life. Every day I walk by her grave. Everyday I think of her dying too young. Everyday I read the message she left behind.

Everyday I promise Sue that I will do my best to make that day count.

I don’t always follow through on that promise, but I do try.

As I walk home from the cemetery each morning after visiting Sue, I delight in the light, whether it’s the sharp angles of the early morning sun or the hazy softness of an early morning fog. I feel the cold bite on my cheeks and nose. I listen to the sounds of squirrels and birds and the rustling that wind makes against leaves.

I often can accomplish at least that much.

After that, the workday sometimes takes over and I lose myself in the heat of interpersonal conflicts, envy, and irritation. On these days, my computer doesn’t operate as I would like. It’s too sluggish, and I curse the people who make computers. I also curse my fingers for their sloppy typing habits and I curse whatever person didn’t save the file I was working on last. On these days, I go to bed exhausted, but grateful that I get to try again the following day.

On really bad days—especially the days when I am tempted to throw something at my husband—I visit Sue a second time. On these days, I stand before her grave and I tell her about what’s going on in my life. “I’m really trying to make today count, but you just have no idea how difficult my husband can be,” I tell her.

Without fail Sue manages to drain the anger from my soul. I leave with moist eyes and an open heart. Usually I arrive home to a husband who has been transformed and the house a bit cleaner than how I left it.

On other days Sue’s voice whispers to me all day long and I’m able to rise above—to stay level headed and loving no matter what narcissism, arrogance, or irritation someone sends in my direction. On these days my heater, air conditioner, dish washer or car radio can break and I can laugh it as an example of the fleeting preciousness of life. Everything breaks. Everything ends. Enjoy it all while it’s still here. On these days I go to bed with a sense that everything is exactly as it should be.

After such days, I thank Sue. If not for her, I might have just wasted another day. Perhaps I would have wasted it by daydreaming of what my life could be rather than living the life I already have.

If not for Sue, I might not have realized just how precious each and every moment actually is. I never heard her voice while she was alive, but it is with me always. It asks, “If this were your very last moment, would you want to spend it by doing this!?! Really? Because, if I could have one more moment, this is certainly not how I would spend it.”

Now at age 41, I’ve spent two more years alive than Sue was able to. I’m sure she would have given anything for two more years.

If somehow someone had been able to extend her life, I bet Sue would have made it count.

She would have lived the rest of her life wide awake.

She would have tuned into the people around her and out of social media and other distractions. She would have shrugged off negativity. She would not have wasted time blaming or complaining.

Rather than lusting and craving for more possessions, she would have delighted in what she already had. Rather than seeking happiness from the outside, she would have felt it from within.

Rather than waiting for life to get better, she would have loved her life as it was and as it would become.

She would have risen above. She would have loved and been loved.

She would not have held grudges.

She would not have retaliated, schemed, or inflicted misery on others.

She would have lived.

She would have been happy for every single moment, and she would have shared her happiness with others.

At least, that’s what I’d like to think she would have done if she’d had the chance that I have right now.

And the same chance you have, too.

In 2012, listen to Sue. Make today count. Make everyday count.

Don’t waste a single moment.

Learn more about Alisa’s book, the story of how she went from wishing her husband dead to falling back in love.

To find out how the book has changed lives click here.

Want to discuss Project: Happily Ever After at book club or your church group? Click here for an entertaining guide.
Go to ProjectHappilyEverAfter.com for more marriage advice or to converse with other recovering divorce daydreamers.