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-NUESTRO EXCELENTE SERVICIO

CHOOSE THE FASTEST AND SAFE WAY TO BUY OR SELL YOUR PROPERTY KNOW THAT IN THE CURRENT MARKET, SELL A HOME MEANS MORE THAN PUT A SIGN IN THE FRONT OR A NOTICE IN THE NEWSPAPERS. IMPORTANT ADVICE OF A PROFESSIONAL GUIDE TO GUARANTEE YOU A GREAT RESULT. THE GOAL IS NOT ONLY REAL ESTATE WORLD "SELL PROPERTY FAST AND THE FAIR MARKET PRICE" BUT FIT AND FEEL PROUD TO MAKE YOUR DREAM OF PROPERTY WANTED, WILL BECOME REALITY ... WORLD REAL ESTATE IS A COMPANY DEDICATED EXCLUSIVELY TO THE PURCHASE AND SALE OF PROPERTY. Page Operations 2.000 BEGINNING OF YEAR IN ALL DISTRICTS OF LIMA, THE SIDE OF A GREAT TEAM WITH HIGH REAL ESTATE EXPERIENCE. WE ARE A MODERN AND INNOVATIVE COMPANY OF THE CENTURY, WITH CLEAR GOALS AND AWARE OF THE IMPORTANCE OF VALUES USED TO OUR COMPANY AND OUR DAILY LIVES. THANKS TO OUR STAFF WITH EXTENSIVE KNOWLEDGE IN THE REAL ESTATE INDUSTRY, UNITED SPECIALISTS IN INTERNET TECHNOLOGY, WAS CREATED THIS PAGE, where we strive to provide care and services based on quality and excellence.

WORLD REAL ESTATE OFFERS:

-EXPERT ADVISERS TO PROPERLY IDENTIFIED FOR YOUR SAFETY; They showed OUR PROPERTY PORTFOLIO or visiting ADVISE IF YOU WANT TO SELL YOUR PROPERTY.

- CUSTOMER DATABASE AVAILABILITY BUYERS WITH CASH OR MORTGAGE APPROVED BY THE BANK.

- DATABASE AND WEB SITE WITH EXCELLENT PROPERTIES IN ALL DISTRICTS OF LIMA.

- ADVERTISE ON OUR WEB SITE WHERE WE OFFER THE SELLER CLIENT, THE VIRTUAL TOUR OF YOUR PROPERTY, SO WILL BE RECORDED IN THE EYES OF THOUSANDS OF PEOPLE SEEKING PROPERTIES.

-BLOG OF ADVICE FROM THE WEB ACCESSIBLE; in clearance ALL YOUR QUESTIONS AND CONCERNS ON THE PURCHASE AND SALE OF PROPERTY (TIPS TO BUY AND SELL, HOW TO BUY FROM ABROAD LIST OF NOTARIES, ETC TECHNICAL SERVICES REAL ESTATE .)

- ANNOUNCEMENTS MEDIA SPECIALIST BEST COUNTRY AND ABROAD

- REGISTERED ALL WARRANTIES, AND CITY ATTORNEY.

- VALUATIONS no cost.

-POST-SALE SERVICE

- STAFF. FORMED BY: ATTORNEY, ENGINEER, SALES CONSULTANTS AND ADVISORS FINANCIAL, REAL ESTATE EXPERTS ALL THAT HELP YOU FROM START TO FINISH IN THE MANAGEMENT AND PAYMENT, achieving a SUCCESSFUL SALE.

PROTECT YOUR INVESTMENT, AND IS PART OF OUR SATISFIED CUSTOMERS ... WE INVITE ALL THE DAYS OF THE WEEK.

Our work as intermediaries between buyers and sellers:

In some cases for the start of negotiations, either at the request of the buyer or seller, needed someone who can act neutrally to carry through the close of business. When this happens, there must be an agreement between the buyer and the seller, to name a third party acting as an intermediary. Once approved by the parties, our work as intermediaries is to act as a conduit of information to the wishes of the buyer and seller negotiate a price range agreed by the parties, and give our professional concepts of any problems that may arise throughout respect to the sale, titling, business terms, legal procedures, etc.

OUR MAIN GOAL, NOT ONLY IS "PROPERTY TO SELL FAST AND THE FAIR MARKET PRICE ".... BUT FEEL FIT AND PROUD INTRODUCE AND SEE YOUR DREAM COME TRUE.

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- LO QUE DEBE SABER ANTES DE COMPRAR O VENDER UN INMUEBLE

Before purchasing a property-house, apartment, office, land, or any other real estate-is vital to check who is the rightful owner. This requires getting the Property Tax Registration Certificate of the National Superintendency of Public Registries (SUNARP), which lists all property transfers, mortgages, liens and claims relating to a property. Another important point to check is the status of taxes. In the same municipality in the district where the property is located must request a report of the taxpayer, that as its name implies, will report the status of all taxes (property taxes and excise taxes). At the time of purchase, they should have been canceled. Would be equally important to verify that there is no other debt for electricity, water or teléfono.No you forget to pay the Excise, which is 3% of the value of the transfer. This tribute will be at your account and you can pay at the offices of the Tax Administration Service (SAT). For those purchasing departments should take into account the need to separate the price of the apartment and parking if the purchase is made in one minute, to avoid overpaying. To purchase you must submit payment of income tax, whose record is attached to the Deed. Notaries are responsible for this. They are also responsible for attaching the certified record of the means of payment from the buyer. Do not be surprised if they can not close the Scripture acreditación.Si not to submit the sale is being conducted by a representative of the owner, it must have a power to express its power and is duly registered with the relevant public register. If the owner is found abroad, you should arrange a power to the Peruvian consulate nearest your home. It is also important to verify that "there are multiple owners, all sign the sale and are spouses. Finally, do not forget to raise the Deed by a notary, and the same to be recorded in the Real Estate Registry to avoid penalties for the payment of taxes and be able to sleep peacefully. Documents: If the purchase is through a savings institution should not worry because these institutions have included the cost of sale document. But if the purchase is through a mortgage bank, insurance company, finance company, the cost of drafting the document Shopping - retail price varies according to the property. Recording fees: The fees payable by the buyer estimate the value of the property and paid in a form settlement. Significantly, the records charge for witnesses, stamps, photocopies, transfers and empowerment. Note that all the costs mentioned above must be paid in cash. Document Delivery: At the time of capturing the signature on the final document must deliver or receive (depending on whether the seller or buyer) all documentation relating to the property and the case file to check the sanitation of Law also should require, to real estate marketing company, fee receipts, invoices for services and supports expenses incurred to run the operation. Insurance: If the acquisition of the property mortgage loan, you must obtain a life insurance policy, fire and earthquake. This should be added that the cost of insurance depends on the value of the property, the buyer's age and physical condition, because, in general, insurance companies charge a year in advance and cancel the monthly fee repayment of principal and interest. Update the value of the property: The law allows you to update the historical value of the purchase of the property to determine the amount of tax payable on the sale of this. In addition, the marketing company will be called to advise in this area, so you can reduce, legal, the amount of tax payable in the transaction. determine price: It is recommended that an appraiser and determine the prices of similar properties sold in the area. Thus, defining an average price but must also take into account the initial cost of the home, improvements made to the property and the location. It should be noted that if the price is too high, buyers will not visit the property and, moreover, the buyer usually expects a concrete negotiating the final price. Therefore, it is suggested that a margin for this purpose. Stabilize the property: This means that minor works should be performed on the property. Among them are: the details of interior and exterior painting, repair gas leaks and water, seal the doors, windows and cabinets, remove the moisture, clean glass, windows and mirrors, replace damaged tools, remove all debris; pour oil on doors and windows, and do general cleaning throughout the building. Documents: You should gather and keep up to date all the documents of property, that is, the scriptures notarial notices, receipts for water, electricity, telephone, internet, tax slips, proof of property increase, and architectural drawings. Contract: This is an agreement established between the buyer and the seller, in this setting the written terms of the operation performed and their specific characteristics. It is also necessary to include the detailed specification of all the elements that are considered important to avoid changes in the condition when translating the sign before the notary. If you do not know how to perform such contracts, you are advised to consult a notary, lawyer or a real estate consultant, and that this agreement serves as a means to force both the seller and buyer to comply with the provisions. The announcement: It is required to announce the sale of your property in the appropriate category or others that are related to what you want to sell. Also, remember that more details of your property, the buyer will have the information needed to make a decision more easily. You can advertise in newspapers, magazines, websites, television or radio. Search Property: It is necessary to conduct a thorough search for the greatest number of properties that are for sale. In this way, you have the points needed for a good comparison. Depending on your budget, consider the possibility of seeing different types of property whether apartments, houses, land, among others. Information: call and check the information that has been found. Then, rate the service of each of a person who is selling the property and arrange day to visit the property, and corroborate the information provided so far. Verification: Check that the contacts are not damaged and water leaks, as this can help you negotiate the final price. Also note the lighting throughout the property and qualify both the interior and exterior view. Consider the size of each bedroom, kitchen, dining room and furnish the room because each room of the house spends a great deal of money. Safety: Consider the surveillance of the street where the property is located and whether it is dark or lonely. It is important to assess the location of the property, as there is a big difference to traffic depending on time and if weekend. Important details which must have an overseas customer, before buying a house: is important to know that the voltage used in Lima - Peru of the 220 volts and the cycling is 60. Electrical appliances vary depending on countries volts and cycling. The water coming through the taps is a treated water for safety if we drink we boiling or purchased at pharmacies a disinfectant, if we can use it without any trouble to cook our food, washing, bathing, washing clothes and cleaning of our home items in Lima, the climate varies with the seasons, does not record frequent rainfall, but in some provinces the climate is very variable, check it before traveling outside of Lima and that should bring with you clothes according to climate. Houses, apartments and offices do not have air conditioning systems or heating because in our climate when it is cold and / or hot temperatures are acceptable. If you need custodial staff and / or kitchen for your home and care for your children, look for a company job that gives guarantees or someone you trust recommends it, it is important to make sure you have all the paperwork in order as proof of identity, police certificate of good conduct and home. If you plan to mobilize taxi always be sure that this is from a trusted company, will cost a bit more but travel insurance. If you need to solve a pressing problem on her apartment by flood or accidental leakage of water, and some do not ever hesitate to immediately call your realtor, landlord (property owner), building superintendent, building manager or condominium that they will come in your help, you also have the service of serenazgo his district, so this will go immediately in case of emergencies and / or theft, because this service is included in its receipt of local referees. Abuse of certain real estate agencies on alert consumers to denounce the excessive fees charged in some cases The growth during the last three years of real estate brokerage firms, which do not always respect the rights of both buyers and sellers, has alerted consumers associations. In 2000 the sector was liberalized, and since then anyone can open a real estate company without entitled to be an agent. In fact, most of the clients suffer from abuses of these new operators, as user organizations. In some parts of Lima, there have been cases of agencies that do pay property seekers, 100 to 300 new soles to provide them with a list of available homes (carried out at the Metropolitan Lima). Another abuse is detected to provide housing to buyers at a price much higher and stay that way with the difference, without respecting the commission agreed with the seller. Other irregularities, which in this case involves both buyers and sellers, refers to the real estate commissions charged for providing the service. Typically the seller pays, except agreement between the parties which can spread the cost. "At this point, the abuse is also increasing because they charge fees of up to 7%, normal is between 3% and 5%." Many new companies created "make use of all kinds of tricks to sign documents with unfair terms, for example, do not specify the commission to be charged, or if specified in a clause is so tiny it is difficult to read. " Recommendations The "golden rule" not to be abused by unscrupulous real estate companies, as recommended by consumer groups, is read contracts carefully and do not sign any document which have been left blank. Otherwise, we run the risk of being disproportionate levy charges, or signing a contract that binds us to the company indefinitely, if the sellers. The company must provide clearly to their customers all the information on duration of contracts, the percentage to be charged, etc ... The goal is to leave no loophole by which it can charge the customer more money provided by each company to provide real estate services as a mediator.

MOVING TIPS: How Packing breakables First a layer of small balls made with newspaper and cover the bottom of the boxes that you are used to pack, with a height of 5 cms. You must ensure that the boxes have reinforced the packing teipe in base.Primero must place heavy objects, the new coating with a layer of paper balls and so on to fill the box. How to pack fragile items to pack dishes, first select boxes that are strong and not too big so that you can lift with ease. Fill the bottom of the box with paper balls. First sandwiched between each plate with a sheet of paper or cardboard, or if you get Bubble Wrap cushioning (bullpack). How to identify the boxes if your content is delicate, fragile, do not forget to write on the outside as well as an arrow to avoid carrying the box abajo.Este mouth advice is very important, do not place CONTENTS BOX FOR FUERA.De be possible, list boxes. Written on a separate sheet a statement of the numbers of boxes and their contents and the location of the house where he has to register. Moving appliances and furniture make sure that moving parts on some household appliances are locked during transport, such as the drum of the washer and dryer appliances ropa.Evite move heavy and bulky to themselves while transporta.Descongele and empty the refrigerator for at least 24 hours before the day of the mudanza.Pásele a turn key to the cupboard doors to keep the doors open during the move. Small keys and screws with teipe furnishings in the unit they belong to. Movers: Choosing not leave until the last minute searching for a company that supplies your mudanza.Busque potential movers at least two months before the date expected. Study presupuestos.Las least three companies will offer various options from which you will pack carefully to those that only offer trucking for the purpose, among them find different prices, to you to make choice depending its budget and the time it can devote personally to mudanza.Confíe preferably in moving companies, or widely known path, which ensures that its staff and technical team offer all the guarantees and experience in . On the move - Do not trust the transfer of valuables such as jewelry, important documents, etc. moving the agency. It is preferable to pack yourself and carry in your briefcase .- Keep important documents handy, you may need them during the move .- Keep a roll of duct tape on hand, if you open a box of packing .- It is safest to be eager to unpack everything when it comes, but do so calmly and orderly .- Be mobile at the hands of service delivery of fast food, pizzas, etc. that are very useful.

PAYMENT IS Excise?

selling Real Estate Judicial Foreclosures.

"Scam or not? Usually, the person contact the estate agent and this explains the status and details of both the property and the judicial process. Because that is the hallmark of these properties, are subject to a judicial process of foreclosure. He explains to customers the advantages and limitations in these cases stem a property in that state, nobody usuamente are still owns that good and that depends on a bid, therefore, if there is breach of the agreement may you according to law, to claim his agent, but not the judge of the auction, let alone have rights the property, because it never belonged to the two parties. Then the realtor and clients if they agree, proceed to the signing of the contract in the form of Promise of Sale, which is one whereby the parties agree to conclude a specific contract within a certain period or event of a certain condition

Promise of Sale, which is one whereby the parties agree to conclude a specific contract within a certain period or in the event of a certain condition is the problem here: to meet the deadline , or the fulfillment of the condition.

The specialist, Mario Reynaldo Tantaleán Odar, tells us: How is it that on one hand the Peruvian Civil Code Article 1409, subsection 2 allows the sale of property of others or used as collateral or seized or subject to litigation. While, on the other hand, the Peruvian criminal code, Article 197, subsection 4 sanctions up to four years of deprivation of liberty the act of selling or pledging disputed property, seized, taxed or others?. However, this apparent contradiction is explained, suggesting the specialist Our criminal code, Article 197, subsection 4, regulates the recruitment of choses in action, those affected, seized or others as a form of fraud. The form of fraud to which we reference is known, in doctrine and jurisprudence, as estelionato On this basis, continues to show the specialist, you have to understand that fraud is a crime under which it is required to achieve an advantage for oneself or for another, but at the expense of the victim. Ad however, the essential element of the scheme tells us that you need to mislead the victim. The form of fraud to which we are referring to is known, in doctrine and jurisprudence, as estelionato.

1 .- In short we can say that in the first case the transferor makes known the real situation well, that is, acting in good faith. Therefore, the contract is fully valid. 2 .- In the second case, the transferor remains silent about the quality of goods, ie, act negatively, so we face a negligent act. It is clear that the purchaser does not know the real situation as well, being in a kind of disadvantage, has the option of choosing between two options: either terminate the contract or require compliance and enforcement of the obligation emerged. 3 .- Finally, the third case, the purchaser information distorts the real situation well. Here we are, as in the first case, a situation in which the transferor is acting effectively, but such an action becomes an impostor attitude, which explains why the penalty provided by our criminal law

■

Many real estate brokers argue that the property was won by another company, and other property replacement are to give the client, or they bought the most expensive property in the auction what they had agreed on the promise of sale and the customer must cover the difference. As I say, it all depends on the extent of the condition they agreed in the contract, but in any case you have civil remedies for breach or criminal, in the case of more serious situations.

When I started in this work, a ARCHITECT AND TOLD ME ....." SOMETHING VERY TRUE THAT THERE IS NOTHING MORE TO DEFINE A PERSON TO THE INTERIOR OF YOUR HOME.

MORE THAN THE ACCESSORIES And the clothes you wear, BECAUSE THAT IS REPLACED BY THE HAND. "

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- ¿COMO SOLICITO UN CREDITO HIPOTECARIO EN PERU Y DESDE EL EXTRANJERO?

MANAGE YOUR MORTGAGE UP TO 25 YEARS IN SOLES AND DOLLARS:

Improving the conditions offered by banks for anyone who needs a loan or mortgage. Not only have interest rates lowered and payment deadlines have been extended, but also the facilities that offer various banking institutions have increased, while the costs attached (fees, extra charges, prepayment, among others) have been reduced , also that loan demand has grown thanks to the emergence of greater supply of housing has led to them to lower selling prices.

The atmosphere of stability and optimism that breathes, has created a virtuous circle. The country's macroeconomic conditions and stability generated allow banks to take more risks to improve their credit, focusing on competing in terms of quality and price of services managers ofrecen.Los mortgage division of Peru's largest banks agree that the starting point of the current situation was between 2002 and 2003. Since then, the rates of mortgage loans in local currency has fallen almost 50%, although dollar rates have shown a variation of about 2% over the same period. It is in this situation that in 2007 the mortgage market grew by 20% and is expected to growth in 2008 is the same, or better yet can reach 25%. Sustainable growth which currently offers the Peruvian economy has been a key element in the housing boom and construction is currently being developed in our country, indeed, now with the approval of the FTA, it will reinforce the mentality of investors who will bring more capital to Peru which leads to new jobs not only in Lima, but throughout the country.

PERUVIAN LOAN FOR NON-RESIDENTS (Peruvians living abroad)

As part of the growth of real estate and search expanding our customer base, we designed a new policy and product to meet Peruvians living abroad and need a loan for the purchase of a property in Peru. This product is oriented to the Peruvians who live and work abroad. The credit evaluation will be based on income support and credit information of the country where they reside. Unlike existing programs on the market, in this case it does not take family members to act as borrowers and owners, since the borrower and sole owner of the home will be the Peru Nonresident. In addition to this product, we continue our Savings Programs through remittances for customers residing abroad and have no way to sustain their income. The benefits are: Ø The owner of the debt is the client who lives abroad. Ø The property acquired in Peru will be on behalf of the customer residing abroad. Ø The client calls with the earnings of the country of residence. Ø No need to apply to savings programs. Target characteristics: Peruvians who live abroad do not apply Co-Debtor Co-Owners or Country of Residence: USA, Canada and countries as an exception Scotiabank has a branch. This loan: Home Purchase (whose use is exclusively home-room) Warranty Type: Apartment or house (Good Future / No independent or end / independent) mode / Product: Financing in U.S. Dollars and subject to the following products:

• MORTGAGE RATES MIXED - 5 year fixed rate and fixed for 5 years from 6th year variable rate (limabor 12 months) + 4% (minimum duration 10 years)

• JOINT RATE MORTGAGE - 10 YEAR FIXED Fixed rate for 10 years and from 11th year variable rate (limabor 12 months) + 4% (minimum duration 15 years)% to be financed: Up to 75% of the purchase price or market value appraisal (the youngest) Amount financed: From $ 30,000 to $ 300,000 Term: Up to 25 years Grace period: TEA rate up to 3 months: Apply the existing tariff rates Rate Calculation Mixed I / E: About as affidavits Gross Gross (U.S. $) I / E from 500 to 1.000 30% 1.001 to 2.000 35% > 2.001 40% (*) Index Debt (total debt including the amount of monthly mortgage / Gross Monthly Income) Insurance Endorsement: Possibility of endorsement of foreign policy / SBP requirements According to the Assessment and Management Commission (GEC): 2% of the amount to cover other expenses of Taxation, Legal, ITF: We respect the current rates. Exclusions apply products ► No Fee Free, Project MiHogar, Free Access to mortgage or Land Acquisition. ► No benefits apply attributes Fee Joker or unemployment insurance. Credit support documents to apply for mortgage loan: ► Photocopy Identity Document (DNI) in place of the applicant and spouse (if married) ► Photocopy of Affidavit of Tax Payment for the last 2 years of the country of residence. Form 1040 (USA) ► Evidence of Labour in case of employees or dependents (indicating date of joining the company and title). ► Bank Reference Letter issued by any of the banks where customers keep their accounts or other credit product. ► updated copy of credit report to credit bureau (Credit Bureau) of the applicant and spouse (if married), which must be made at your bank or company that specializes in the country of residence. If the client and spouse (If you are married) can not travel to Peru to sign the bank loan application, certificates, minutes, deed and documents required for the granting of credit, shall appoint a legal representative in Peru and submit the following documents : ► Simple Copy Deed which gives power according to Scotiabank Peru model. Starting ► Original Registration Comprehensive Registration Validity power or powers with no more than 10 days issued by the Public Registry. ► Photocopy of valid identity document of the proxy. Disencumbrance Insurance: Applications to local insurance, the customer must complete exams if applicable. Of Otherwise you can endorse foreign policy provided it complies with the content (coverage) and payments required by the insurance area of \u200b\u200bSBP (see Procedure) raised: The procedure for the management of mortgage credit for "Peruvian Nonresident" is similar to existing process. The only difference is in the first stage of credit assessment and approval of the transaction. The following stages of treatment of the security and payment processing activities remain in force. I. - Evaluation Business Officer / Office Manager / Service Platform / Promoter of the Mortgage Sales Force to advise the client and send mail through the checklist required 1) and branch format required by the banco.Dicho power includes the authority to buy property, contracts, mortgages, sign promissory notes, borrow, appraisals, insurance, and substitute delegate power. If the client and spouse (if married) can not travel to Peru to sign the bank loan application, certificates, minutes, deed and documents required for the granting of credit, you must appoint a legal representative in Peru who will sign the documents required by the bank, which shall submit the following documents: o A simple copy of Deed which gives power according to Scotiabank Peru model. Original Item or Complete Registration Registration Validity power or powers with no more than 10 days issued by the Public Registry. o Photocopy of valid identity document of the proxy. Note: NDF or promoter is responsible for fedateo FFVV documents and validate the signature of the client / spouse (if she appeared before the agency) or legal guardian representative. In the event of "Power", the NDF or FFVV Promoter prior to sending the documents to the Unit of Credit, must submit the following documents to the Legal Unit of Mortgage Centre, to be submitted pursuant to and validated meets the requirements of the bank. - Simple Copy Writing Which empowers public depending on the model of Scotiabank Peru. - Complete Original Starting Registry Registration Validity power or powers with no more than 10 days issued by the Public Registry. - Photocopy of valid identity document of the proxy. - Photocopy of valid identity document of the client and spouse (if married). - Print Reniec the attorney, client and spouse (if married). The FDN must enclose the approval of the Legal Unit Central Commercial Mortgage in the file to continue with the activities approved in the Appropriations and Treatment Unit of the security in Central Hipotecario, according to the current procedure. II .- Approval Credit Unit credit evaluation performed according to approved policies for "Peruvian Nonresidents" III. Treatment of Front and First Guarantee Mortgage Center Analyst activities is maintained according to the current procedure.

Lawyers Mortgage Center activities is maintained according to the current procedure. Note: As a major point in the "address to enter in the contract" for the preparation of contracts, consider the following: In relation to the residence to enter into the contract, indicating when the address of the property subject of the sale, the indicates in turn, that such address is designated for the purposes of the sales contract, credit, mortgage, and in case of future assets, and joint and several guarantee special power, subject to the jurisdiction of the courts and tribunals of the place of the contract. Consular Power model established by Scotiabank

LORD CONSUL: Please expand on its register of Deeds of empowerment, which gives ......... ..................., of Peruvian nationality, marital status ... ... ... ... identified with National Identity Document number ........... ..... and ..........................., residing in the United States of America, who henceforth is called the / the principal, in the terms and conditions: FIRST: By this instrument, THE principal agrees to grant broad, general power for ....................... , identified with National Identity Document number .............., a Peruvian national, who henceforth will be referred to the manager. SECOND: EL / the grantor agrees to empower GUARDIAN for a single firm acting on behalf of the powers which are detailed below: a) THE GUARDIAN can buy, mortgage, signing promissory notes, request and enter into contracts credit, apply and insurance valuations, real or personal property tax in the territory of the Republic of Peru, to grant declaratory factory, independent, internal regulations, opening and closing bank accounts, giving instructions to the bank cards, all of which, THE / the grantor specifically authorized to do so. GUARDIAN acting on my behalf shall have power to all terms and conditions of sale contracts, credit, mortgage and sign all documents necessary private and public documents to formalize anything done in compliance and / or exercise of the powers to effect is conferred by this instrument, without reservation or limitation. Comply with any current business process and / or special without limitation, paying taxes that are payable as property tax, excise, sales tax etc., Sign affidavits. b) You represent to all kinds of civil, military, political, municipal, educational, police, administrative, banking, taxation, regional, Judicial, national, religious, labor, public and private authorities in general, giving the general and special representation contained in Article 74 ° and 75 ° of the Code Civil Procedure. THIRD: THE GUARDIAN may substitute or delegate, in whole or in part, this power and can resume, reversing substitutions or delegations, as often as it sees fit in accordance with the provisions of Section 157 of the Civil Code. FOURTH: All expenditures arising from the document to raise this Deed, shall be borne by the grantor. You add the Consul whatever laws and parts please proceed to your registration for Public Records Registry Zone No. IX - Lima headquarters. June ..................., ... 200 ..

CREDIT MY HOME

1. What are the basic requirements to qualify to credit my home?

The basic requirements are: homeownership should not the owner or his spouse, or have been favored with a FONAVI credit. Qualify as creditworthy by financial institution. Write off 10% of the department as payment. Marital Gross S /. 1.400 or $ 400. Housing finance should be the first sale. Be an adult.

2. About may apply for a loan? can implement all the people who can demonstrate regular income as dependent workers, independent workers (affidavit or receipt for fees) and also people who have other income, as the major banks offer special credit . For more information, please contact our housing counselors.

3. How do I qualify to credit? Depends on the amount to finance and income. Are determined by adding the earned income of spouses, if not married are considered personal income, considering only formally registered revenues (approx. 30% of marital net income minus other debts and obligations) and must be equal to the monthly fee charged for the price of the apartment and requested loan term.

4. What documents should I submit to my credit? Basic requirements depending on their type of work are: Fill Mivivienda Credit application. Health declaration and attach a copy of spouse ID card holder and Dependents: Rent the 5th Category: Copy 2 latest payslips or 4 for commission. Independent People: Rent 3th. Category (sole proprietorship) Copy last 4 payments of General Sales Imp. Annual Affidavit copy two recent years. RUC Copy Copy Minutes of incorporation of the company. 4th income. Category (receipts from fees). Copy Professional Fees Receipts last 4 the last 4 months. Annual Affidavit copy past two years. 4th copy Withholding Certificate. the company he works for or Proof of employer stating the amount and date of entry. Copy Sheet RUC Remittances (cash shipments from abroad). The sender of the Consignment: Affidavit and endorsed by the Peruvian Consulate in the country where you reside. Copy of the passport. Certified copy of ID The recipient of Remittance (holder): Copy of ID card. Document proving income.

5. How do the procedure? Once chosen, separate the property, should reach the documentation required by the bank for your credit score. The real estate consultant will give such information as well as the format to be filled.

6. Can I purchase an apartment with me remittances sent from abroad? If possible, one must show the receipt of money from more than 6 months and will submit as part of their income on bank rating. This will require opening an account at the Bank in particular which are made only fertilizers.

7. How do I request credit for such remittances? Should apply to a financial institution such as Credit Bank, the bank has set up special savings accounts that can make their deposits a set amount monthly deposits to be mes.Estos be in an amount equivalent to the amount of credit and in turn require the bank to evaluate your credit choose my home. If you need more information login to: www.viabcp.com

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saves Atletico Madrid


The English party Atletico Madrid Sergio Asenjo saved yesterday from a rout by the Atletico Tenerife Madrid. Luckily Atletico goalkeeper has signed a "arm." After the low of Kings and Aguero Atletico Madrid lacked rhythm game more and more goals. Nino was advanced by Tenerife very soon and then tied the game Jury

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talked a little market

Let's talk on this blog with an entry every day of the market rumors winter signing:

1. Let's talk Benzema's rumor: The link with Manchester United and Real Madrid Evans. Will there be an exchange?.
2. El Chori Dominguez has already been submitted to the Valencia team.
3. Chelsea have made an offer for the English international Fernando Torres for 68 million euros.
   

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Hugo dismissed


The former coach of the UD Almería has been stopped because the party's losing streak with the Andalusian club. After falling to the English was a board meeting to address this issue. This is the fourth coach in La Liga it falls. The board has made a statement saying thanks for your sportsmanship, professionalism and work done in the ranks of Almeria.

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signing Barca's Sextet


Hello after a long time without writing (for academic reasons) in this blog. You know that we have gone to: www.muchosobrefutbol.webcindario.com

Barca mundialito has led the club with goals from Peter on 88 minutes and Messi with the shield in extra time. After the advancement of the Argentine team on 38 minutes, got back in the second half and got a goal from Peter, who certainly has made history getting in the six competitions.
After a first game and again that the club had led him anyway. Congratulations Champion!

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Sweepstakes knockout stages of the Champions

IDA
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INTERESTING AND DYNAMIC MOTION OF TRANSLATION AND INTERPRETATION COURSE ORGANISED BY THE PPTA COMES TO AN END FOR THE YEAR ENDING

Information note prepared by the Governing Board of the PPTA.

the first cycle of courses organized by the PPTA, which included five interesting courses, successfully complete this year thanks to the generous participation of partners responsible for the courses and the vibrant and enthusiastic assistance of graduates translation and interpretation courses in universities and colleges, members of the Association of Translators in Peru, partners and other professionals.

The first experience took place in May with the course "Introduction to technical note-taking in consecutive interpreting" , dictated by our partner Luisa Pastore Alinante Fernandez-Baca, sworn public translator and former president of the Board of our association, for four hours on Saturdays.

Given the interest in this first year, it was decided to arrange for the month of June during "drafting guidelines to facilitate the edge of l translator" , which was dictated by another of our partners, Maria La Hoz Valley.

Since the number of attendees at this second course grew exponentially in relation to the first, third course was scheduled for the month of July. This was a specialized course on legal translation was called "The functional translation of s general and special powers under d corporate law" and was in charge of the current President of the Board of the Association Professional Translators in Peru, Dr. Maria Rosario Ocampo Cayo. The number of participants reached was about 40 people, mostly members of the Translators Association of Peru.

The next meeting was organized by the ongoing PPTA specialized legal translation called "Main problems in the translation directly tion and inverse of contracts ", which was developed during the month of September by two Board members: Maria Rosario Ocampo Luz Alva Cayo and Belinda Choy. This time the number of attendees also lined the 40 people, including collegiate and not registered.

The PPTA I closed the cycle of courses under the auspices of a special course on legal translation called "Aspe cts general civil procedural law and its functional translation" , whose practical development was led by Dr. Mary Cayo Rosario Ocampo. The head of the theoretical was Maquilon Dr. Teresa Elizabeth Acevedo, a lawyer of great career, former judge, lecturer and panelist on professional proficiency exams at the Faculty of Law at the University of Lima, and former professor of the course in Procedural Law at the Faculty of Law at the Pontificia Universidad Catolica del Peru. This time the turnout was similar to previous courses.

Given the limited supply of specialized courses in translation at the national level and the great welcome they have received the PPTA courses during the past year, for the coming year we hope to organize a larger number of specialized courses in translation for which will be held strategic agreements with various institutions. We take

this opportunity to thank once again all members of the Association of Translators in Peru, public sworn translators, members of the PPTA and translators in general for their unconditional participation and keen interest, the same that will allow the success achieved during the year 2009 could be repeated next year.

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- INVERSIONES INMOBILIARIAS EN EL PERU

V emos with anticipation that there still are areas where the demand for land continues
still very attractive investment, causing income securities and sale are maintained at levels
on average as last year.
The decrease in consumption levels does not seem to frighten the big cities that
certainly prioritize their projects and investments, but will continue to invest in a country
where there is still room for a greater presence of their capital.
The dynamism of the public sector and government investment in infrastructure and implementation of road works
ports and airports are essential to private investment
not decay to levels below those seen today.
The above will enable the provinces, which for a time
begin to have presence and integrated into this huge market, to exploit
even better potential. To the extent that recovery of the countries of Europe and the U.S.
experience delays, domestic demand is a fundamental part of that gear
that will make the supply chain process and not break. Understanding
investments, although less so must continue to be given and should continue to run
capital, we would say that the country will remain safe haven for investment
within a clear legal and institutional framework and stable.



H ace little Inacio Lula da Silva started an ambitious agricultural project in Brazil with the following
metaphor:
"Imagine a big bear hibernating in a cave ice. That bear is
United States and Europe. When you wake up, the bear will want to buy things and Brazil must be
ready to produce, sell, make money and strengthen their industry. "
To the extent that this metaphor is understood we can exploit this situation that is looming
beneficial to us.
recently met with some customers were foreigners, whose vision was "
know that in Peru we do not go great, but much better than in other countries in the region," to this expectation
what answer? Are we prepared to this?
This is a question we must answer in order to exploit this wave
to come, we know the magnitude and steps are being felt, we are cognizant that
have the necessary tools to start a substantial and integral development.
Many interesting things to come, in the west will define who is responsible
expansion project to 4-lane road Gambeta Nestor via
window that will link the port of Callao, additional alternative would be the empowerment of
Oquendo Avenue along the north coast of Callao-window.
the port of Ancona in addition to the completion of the South Pier and new ways before mentioned
port form an important platform for the large import and export
.
road development along Highway Ramiro Prialé with overpasses, bridge construction
communicator with the Avenida Las Torres, coupled with the implementation of
northern ring road will allow greater integration of the east to the port
Callao and north
To conclude our authorities should plan a comprehensive industrial development has
location-based livelihoods, infrastructure and services.


Great movement in the future, in the western districts composed of:

• El Callao La Punta

• • Bellavista
• Carmen de la Legua

• La Perla • Window
• Santa Rosa • Ancon


Delivery South Dock for the first quarter of 2010 generated great expectations for the possibility
growth in the area of \u200b\u200blogistics operators, for this project come true
will result in the growth of related businesses, including industrial parks and
Storage. Throughout
Argentina Avenue often see the development of storage centers
own business, given its proximity to the port, this eventually become
around the port a strategic cluster for the area of \u200b\u200bstorage
.
in the neighborhood of Nestor Gambeta (road to Window), the available space is becoming
Mass Storage Centers container and apparently
this trend will continue due to new expansion project of the road to 4 lanes
optimizing the traffic flow of heavy trucks.
New operators in the area including Fisheries Plant Skaven Ferreyros
store, construction of LS Enterprises Fisheries Plant, expansion of storage areas Ransa
.

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LITERAL TRANSLATION, TRANSLATION FREE: A TRIBUTE PASSIONATE

Article drafting Tado by Luisa Pastore-Alinante of Fernández Baca, translator and interpreter with 40 years experience, TPJ, a member of the International Association of Conference Interpreters (AIIC) and former Chairman of the Board of the Association of Professional Translators Peru (PPTA).

All those who have learned a foreign language to adults or school, we have used the "literal translation" to get familiar with the syntactic mechanisms of language. However, many now give the term "literal translation" another meaning, namely that of a different type of translation and alternative to free translation mode.

I must be honest: I consider such a concept of translation is not only profoundly wrong but also seriously dangerous.

Grave because it contradicts an absolutely fundamental aspect of language, by itself, the language is form and nothing else. There is nothing more than an organized set of symbols to convey what is called the "sense", meaning, or whatever you want to call the mental image that allows us to relate to external reality. We've all had the experience of watching or listening to a text in an unknown language and not "see" anything in our minds. Without reference to the meaning, no translation is possible. Every translation is a triangular process: from source language to meaning, from there to the target language. Just think of how to translate the following sentence: He eats shoots and leaves. And then the next sentence: He eats, shoots and leaves. What would be the "literal translation" possible for one and other?

Pastore Luisa Fernandez-Baca Alinante

The meaning depends on the segment of text that is taken into account, we know this all translators. The longer the segment, our perception is fuller and more accurate sense of the translation.

A classic case of this gives us the gerund in English:

it

Example	Sense	English Equivalent
Within the period specified in the schedule, the winning bidder for the bid sign the contract, must comply with: Deliver performance bond letter of agreement make payment accordingly.	condition or reservation	subject to:
can not refuse the request of the Purchaser to transfer all or part of the rights and / or obligations under this Agreement or the assignment of contractual position, while the transfer is made to: i) a related company, not be necessary for that company :	Precision	Being Understood That
They have to notify a preliminary decision to the parties within sixty ( 60) days following their appointment, giving PARTIES twenty (20) days	Accuracy / mode	and
Taking this standard take precedence over the laws of the country , police edicts, misdemeanors codes, fault codes, municipal provincial standards, among others, always ignored the covenants.	It opposes	although
In the 90's, there were several judgments of the Constitutional Court, which adopts an attitude of tolerance for prostitution, as "an evil that should not be ignored, but neither can be eliminated, considering that his practice does not alter or disturb the peace and security of the inhabitants of the sector and / or impair the rights of minors, in one way or another, might be led to their practice.	logical consequence + condition	and, accordingly
AUTOS AND WHEREAS: With the certified copy of the power that accompanies: Please be fulfilled and providing demand and the letter of correction as appropriate	Adverb	Responding to the petition and considering compliance with procedural due Requirements

Translate means to convey the semantic content of the original text either prioritizing aspects of information (the so-called "technical translation) or aesthetic aspects (the translation), of course without ignoring the cultural edges. Transmit everything is impossible, since only the original contains everything by definition. This means that the translator must modulate their translation function, primarily, the consignee and the use that will give a translation.

The so-called "free translation" is a contradiction in terms, for the translation, as a mere medium of transmission, must be completely free to the extent strictly necessary to achieve its mission, and totally enslaved in respecting the meaning the original in every nuance, without adding or removing anything. It is true that all speak of "literal translation" to bring the case in which the translator is forced to play drafting errors in the original document. The classic case is the official translation of poorly written texts, which present us with the dilemma of writing as the author's intention expressed not through the text, but by other means (oral explanation, our knowledge of the subject, etc..) Or according to the intention (or not expressed) through the text. This is a touchy subject. However, the problem has nothing to do with the alleged dilemma literal / free translation.

At the beginning of this article mentioned the danger of this false dilemma.

Before a phrase that does not mean all of us translators, including yours truly, we are tempted to resort to a translation "literal." Let us think, what do we mean by this? Because we understand the following process: first, for example, a phrase such as "crown prince", we first consider the common sense of "prince", which is undoubtedly "prince", then consider the common sense of "crown", which is undoubtedly "crown." Then consider that in English the noun adjective always comes after and that any noun can become an adjective. Et voilà "crown prince." The problem is that not mean "crown prince", which in effect means nothing, as the Castilian semantic equivalent of "crown prince" is "the crown prince." It

therefore clear that, if he instilled the young apprentice translator (or interpreter) the idea that they exist side by side, a possible literal translation and free translation possible of the same text, it creates the idea that sticking to the "form" of the original is kept safe from possible misinterpretation. Nothing is further from reality. The truth is frees us of all the translators (and interpreters) of the need to understand the text so that it can translate. We all know mistakes genre of "crown prince" and "National Bench" by Banco de la Nacion. The fact that it is not known mistakes of translation software, but very human translators, says that the cause lies in the false dilemma, this misconception is absolutely radical.

Incidentally, the translation software algorithms are based on statistics on the frequency of use of terms in certain contexts default. Produce ridiculous results when used with non-stereotypical texts, but can be effective with texts of the genre of textbooks. In fact in these cases are very useful, because they ensure a consistency in the use of terms is impossible to achieve human translators alone without incurring very high (in large construction projects, for example, said that millions of words to translate) . **** NOTE BENE



A specific and very interesting problem is posed by the official translation of texts that are actually turn shoddy translations of texts written in the target language of the official translation. To what extent can / should the translator in charge of this "back translation" to correct errors to prevent the official translation becomes useless for the purpose to which it applies (the classic case is that of the authorities)? This raises questions not only technical but also and above all, ethical.

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FALSE DILEMMA OF DANIEL Pennac the thankless work of translators: "A man like me NEED OF TRANSLATORS HOW TO AIR "THE PPTA

prepared speech fragments pared by the French writer Daniel Pennac occasion of the award granted to him by the "Conference on Literary Translation," published in "Il Manifesto" on 25 September 2009 and translated from Italian into English for our partner Luisa Pastore-Alinante Fernandez-Baca. To read this story from its source, click here: http://www.ilmanifesto.it/il-manifesto/in-edicola/numero/20090925/pagina/03/pezzo/260753/

translators Dear friends, my Pentecostal lay lights, let me thank you and express my astonishment. Let me express my gratitude for giving me this award, I wonder precisely for having chosen me. You say they are grateful for my general attitude towards the translators. But how grateful we are talking about? "If not for you, translators, perhaps it is a man who like me, who neither speak nor read, except itself, no language, not even the English (probably I'm the last European to this painful condition), even despite the Italian linkages through thirty years of friendship? A man like me needs of translators in the air.

You are my life. My life!

Thank you, my books are reborn and crossing borders. I say reborn, since the translation of a literary equivalent of a new birth, and the role it plays to the translator play in this birth can be considered on par with an act of creation. The idea of \u200b\u200btranslation is inseparable from created. The mere linguistic transposition is not an act of translation, but doubling that produces a Ostrogothic incomprehensible. (Just read the instructions for the use of my lavadora concebida en Alemania y fabricada en Corea con diseño italiano y electrónica japonesa, para sentirse inducidos, lingüísticamente hablando, al suicidio).

Para que una novela viva en otro idioma es preciso que alguien la imbuya de una nueva vida en esta nueva lengua. Y este alguien son ustedes. ¿Cuál es la nueva vida de una novela bien traducida? Pues, es la de un texto encarnado en una lengua distinta de aquella en la que tuvo origen ––es decir, en el caso de ustedes, en italiano –– al punto de hacerle exclamar al lector: ¡Parece escrito en italiano! (Lo cual, dicho sea de paso, no se puede decir de las instrucciones de su lavadora.)

How has achieved this illusion for the reader? Herein lies the mysterious formula of any translation excellent. It is, in this particular case, knowing transpose into another language lexicon of classical or popular foreign author, the pace of his writing, his musicality, his hints, allusions, multiple intentions, essentially everything that is written and could be called the spirit of the text. It's an ability that turns into something good translator and a psychoanalyst from the author. But when talking about the spirit of the text also speaks of the spirit of the language in which it is written that text. Which you make them aware also ethnologists linguists and neat. This ability to recreate the spirit of a foreign language in their own language can only be born of a merger with the text and the source language, combined with perfect mastery of the target language, yours. This dual power involves ubiquitous language and literature, or, rather, analog intuition, which imposes the translator to sink into a dimension of obsessiveness that, incidentally, is the same as the novelist lives in his work. In exercising this obsession Melaouah Yasmina, my Italian translator, Eveline Passet, my German translator, Vlatka Valentic, my translator Croatian Mitsubayashi Akira, my Japanese translator, Sarah Adams, my English translator, or Manuel Serrat Crespo, my English translator - to mention just a few - often arrive together with me to the very heart of my texts. But the obsession, dear friends, you know at the same time I, time consuming, requires time. And this time you have to recompense.

few years ago, someone asked me at a conference what he thought about the fact that the translator is the author's psychoanalyst (as the idea is not mine, and that Congress had complete unanimity in supporting it.) I said yes and suggested strongly that, according to logic, the remuneration of translators should be aligned with that of the psychoanalysts. I regret to say that there is unanimity ended. Nobody agreed with me, with the exception of the translators, who found the idea very amusing. The truth is that you are slaves of obsession without receiving the required remuneration for its duration. And yet still translating, and well in many cases.

When I hand down a poorly translated foreign novels, before blaming the translator I always wonder how long it has been given to it to be intimate with the text and the depths of the two languages \u200b\u200binvolved. And when I get the chance to read an excellent translation, my first reaction is the absolute gratitude for the translator who found time to his obsession, which was devoted to the literary utopia despite a market logic that is interested in literature only when the sums are large - very, very big - and it does not recognize a distinction between literature and instructions the use of our washing machines. Therefore, dear friends, for their ubiquity, its obsessiveness, for their commitment to each novel becomes part of world literature, I thank you. In particular, I thank Yasmina Melaouah today, who so often has made me reborn in Italian.

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