Issue link: https://maltatoday.uberflip.com/i/1146451
oħrajn fuq l-interessi li diġà hemm fil-preżent. Dan ifisser li jekk il-bank se jżommlok 2.5% interessi, qabel jisilflek il- flus, se jikkalkulalek interessi ta' 4% kull sena. Jiġifieri inti trid tiflaħ tħallas lura l-post ma' b'4% interessi biex tkun tista' tieħu s-self. Persuna xorta tħallas b'2.5% però l-kalkolu biex tingħata s-self se jibda dejjem isir fuq l-interessi tal-bank u magħhom 1.5%. Naturalment dan ifisser illi l-bank se jikkalkulalek fuq pagament fix-xahar ogħla u allura jonqos iċ-ċans illi tieħu dan is-self. Ir-raġuni għal dan huwa biex il-bank jassigura illi f 'każ illi jogħlew l-interessi persuna xorta tkun tiflaħ tħallas. Dan kollu ma jgħoddx għal proprjetajiet li jiswew inqas minn €175,000 li jkunu 'finished'. U min se jixtri t-tieni dar? L-aktar li se jintlaqtu huma dawk li se jixtru t-tieni dar. Dan għaliex min se jixtri t-tieni proprjetà, inkluż dawk buy-to-let (tixtri biex tikri) din is-sena l-bank se jagħtihom biss sa' 85% (sa qabel l-1 ta' Lulju kienu jingħataw 90%). Dan ifisser li dawn iridu joħorġu l-15% huma. Mit-tieni sena, il-bank se jibda joħroġlok 75% li jfisser illi min qed jixtri jrid joħroġ 25% hu mill-prezz tal- proprjetà meta sal-lum kien joħroġ biss 10%. Is-self fuq it-tieni dar se jkun sa massimu ta' 25 sena sal-età tal-pensjoni. Jiġifieri jekk persuna tixtri t-tieni proprjetà (meta jkun għad għandha xi self fuq dar oħra) ta' 50 sena u toħroġ bil-pensjoni ta' 65 sena hi trid tħallas dan il-post f 'temp ta' 15-il sena biss. Vera trid toħroġ aktar flus bħala depożitu? Grazzi għal din id-direttiva issa bank ma jista' qatt itik l-ammont kollu ta' self. Kif għidna din id-direttiva se tfisser li l-bank se joħroġ 85% din is-sena u 75% mid-dieħla għal dawk li jixtru t-tieni dar. Għal dawk li qed jixtru l-ewwel dar jew inkella se jixtru d-dar primarja tagħhom waqt li m'għandhomx self xi jħallsu fuq dar ieħor, jeħtieġ iħallsu 10%, kif inhi l-prassi llum. 5 Aħbarijiet Il-Ħadd 21 ta' Lulju 2019 | illum The Founda on for Tomorrow's Schools (FTS), responsible for new school building and school renova on in the state sector, is searching for a to deliver the vision, mission and strategic objec ves of the Founda on. The selected candidate will guide and provide oversight of all FTS opera ons and assure quality of service; manage performance and overall resources; set and integrate strategy and direc on; and guide the FTS towards long-term success. The CEO shall have overall responsibility for the Founda on and ensure effec ve management structures. As the highest-ranking official, the successful candidate will need to promote a strong work culture, vision and values and provide visible and inspired leadership. Key responsibili es • provide overall direc on; effec vely manage, promote and implement the organiza on's aims and objec ves; and develop the Founda on's growth plan; • ensure that the opera ons and ac vi es of the FTS are driven firmly and fully aligned with strategic policy objec ves of the Ministry for Educa on and Employment as its main client; • raise and maintain the quality of service provision; and • lead, guide and direct the senior execu ve team of the organiza on; mo vate subordinates and advance employee engagement. Requirements and skills • bachelor's or master's degree in a relevant discipline or MBA; • proven experience in a senior management posi on, with experience in the public service considered an asset; • goal driven and with a proven track record for effec ve team management and a high level of interpersonal, organiza onal and leadership skills; • in possession of a strategic mindset; and • ability to work under pressure and meet deadlines. Candidates are to submit their applica on, including their C.V., to Chairperson, Founda on for Tomorrow's Schools on michael.c.sant@gov.mt by not later than 31 July 2019. Jobsplus Vacancy Permit No: 480/2019 Chief Execu ve Officer (CEO) daqqa Ċentrali RESIDENTI fin-Nadur, li jgħixu qrib San Blas, ilmentaw kif issa anki sparar għall-plattini jew għall-pjaċir qed isir wara nżul ix-xemx. "F'Għawdex għandna problema kbira. Kulħadd jibża' jitkellem u kulħadd jagħmel li jrid. Issa bdew jisparaw bla waqfien għall-plattini jew għall-gost fit-tard," saħqu mal-illum. com.mt għadd ta' residenti. Ir-resident li tkellem magħna kompla jilmenta kif f 'Għawdex diġà teżisti kultura fejn kulħadd, fosthom tal-festi u tal-kaċċaturi jagħmlu li jridu. "Jisparaw minn fejn u għalxiex iridu u d-diskoteki jibqgħu jdoqqu sa kmieni filgħodu", insistew ir-residenti. "Intom tal-midja tridu tkunu, għax lilna ħadd ma jagħti kasna." Sparar għall-plattini u għall-pjaċir f 'ħinijiet strambi Residenti li jgħixu viċin San Blas (Nadur) jilmentaw dwar sparar tard filgħaxija