Housing will pay from 2018 records of aid to rent that were "in a drawer" worth 60 million

Housing will pay from 2018 records of aid to rent that were "in a drawer" worth 60 million

La consellear Salvador (centro) informa de als ayudas al alquiler

The consulate Salvador (center) informs of als rent aids GVAHABITATGE

The Ministry of Housing, Public Works and Vertebration of the Territory has announced this Thursday will pay from 2018 the 60 million euros corresponding to records of rental aid found "hidden in a drawer without processing by instruction of the previous" consellera, la 'popular', Isabel Bonig. In this way, the current administration intends to give processing and resolution to all this "pufo" that he denounced in April 2016.

This has been reported by the Minister of Housing, María José Salvador, after the meeting held with the Platform for Unpaid Rent Aid to take stock of payments and new aid from the Valencian Government.

Salvador, who has been accompanied by the Director General of Housing, Rehabilitation and Urban Regeneration, Rebeca Torró, has denounced that said "aid that remained unresolved" and "hidden in boxes due to lack of budget, a totally illegal decision", should "to have gone to the Valencian families".

In this regard, the councilor recalled that this information "was put in the hands of the Generalitat Intervention to initiate an audit that is still open due to the complexity, quantity and volume of the more than 19,000 files we are talking about. " In addition, it has committed to "initiate the process to resolve the cases favorably or unfavorably and pay those that correspond" in the first quarter of 2018.

On the other hand, Salvador has also announced that the debt of 280 million euros, inherited by the "mismanagement" of the previous government, is "practically liquidated". At this point he explained that they have paid the 240 million that the previous government recognized the unpaid aid to rent, as well as the aid called 501, which, he says, recognized "nothing else to access the conselleria so that more than 7,000 families they will recover the right to collect them ", 30 million have already been paid, so only 7.6 million will be liquidated, which will be paid in the first semester of 2018.

In this way, the councilor claims to be "fulfilling the commitments" that your department acquired with these families "to make effective the right they had to collect a grant that the previous government, either left unpaid, or left without recognition."

Salvador has reported that housing subsidies granted between 2016 and 2017 have reached a total of 18,341 assistants, compared to the 4,800 issued during the last term of the PP in the Valencian Community (2011-2015), which assumes that in two years these items have been multiplied by four.

In addition to having granted a greater number of these aids, Salvador has also reported the increase suffered by the amount of such assistance, which has gone from 15,024,254.52 euros to 25,753,502.10 euros, 10,729,247.58 euros more than in the previous year and in just two years of the Government's term presided over by Ximo Puig.


According to the consellera has analyzed, the previous government "lost the opportunity" during five years of summoning aid, when calling only those corresponding to 2011 and 2015, despite the fact that the State Housing Plan was in force. But "the most surprising thing is that of the 15 million euros that the previous government granted, they did not pay a euro, they only granted the aid, but they did not pay it and it has had to be the current government who has done it". This was because, on the one hand, "the aid of 2011, either ended up being part of the debt of 240 million or 501 aid that was not recognized by the previous government." On the other, because the aid of 2015 "ended up paying in this legislature the current Consell".

Finally, Salvador has also reported that with the payment of aid in the same year of its award the Ministry has managed to "recover the lost confidence of citizenship" because in just two years and "for the first time, the they summon, they resolve and they pay, without having more money, we manage better and for more people ".

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Investment: How to save for your children

Heidelberg – A driving license costs between 1,000 and 1,700 euros. For a 3-year study, around 29,500 euros are due, if you extrapolate the monthly need of 819 euros, which has calculated the German student union. Children cost money – and many parents and grandparents want to do something long term from birth. The goal is to give the adolescents a greater amount of benefits. With these tips consumers reach this goal.

Image: Parents with their children in front of house

Start saving early

The most important tip: Start earning money as early as possible for your offspring. For example, anyone who saves something every month from birth can save considerable sums of money until the child is of age.

The classic savings account achieves little return

Especially grandparents often prefer the classic way of saving money and create a passbook for their grandchildren. The money is safe there, but it does not yield any returns – sometimes even no interest. Even the special conditions when setting up accounts for children are not very profitable.

How much inflation eats at low interest rates on the money, an example makes clear. Anyone who leaves 10,000 euros for 2 years in an account with zero percent interest, has at the end – if, for example, an inflation rate of 0.16% is taken into account – only 9,968 euros left.

Day and time deposit accounts are the safe bet

Better than the savings account are money market accounts with top conditions. Since the parents or grandparents currently receive interest rates of up to 0.7 percent and daily can dispose of the deposited money. Collect monthly deposits there.

Once a year or every two years, it is worthwhile to transfer the accumulated money to a time deposit account. There are even higher interest rates, currently around 1.5 percent. This results in a total investment of 10,000 euros in 2 years, around 300 euros interest – here, however, the eats the inflation rate currently at the savings. For more than 2 years, consumers should not set their money in the deposit, as the amount is not available during this time. If the long-awaited interest rate rise comes, savers should not miss him.

Fixed and overnight funds are very safe. Unlike stocks, there is no fluctuation. And in the event of a bank failure, all deposits up to 100,000 euros are protected by deposit insurance for each account holder. Responsible for this is the deposit insurance of the country in which the bank has its headquarters, and in an emergency, the state would probably jump in. Security-conscious savers therefore seek a bank from a crisis-proof country with a good rating from the rating agencies.

Funds: More return, more risk

Especially when it comes to the money of their children, parents want to take little risk. But then they would have to do without higher returns. If you want to increase your money, you can not avoid stocks and equity funds.

These may vary, but experience shows that time is playing cards for investors. Funds investing in global equities, for example, have achieved an annual return of nearly 6 percent over the past 20 years. In addition, the risk decreases the longer a customer retains an equity investment. This is confirmed by figures from the German Stock Institute, according to which investors who bought the DAX equity basket and held for at least 13 years or more were ultimately never in the loss area, but achieved a plus at maturity.

Tip: If possible, mix your investment funds to spread the risk and combine funds with other forms of investment such as a time deposit account.

Start a share investment with such funds that invest widely in large markets – for example, the worldwide index MSCI World or the German stock index DAX. As a basic investment exchange-traded index funds, the so-called ETF, are the most suitable, because they have low fees. ETF is also available as a savings plan, so parents or grandparents can make a fixed monthly contribution. Direct Banks offer such savings plans for selected ETFs at no additional cost for fund purchase and deposit.

A savings option for children are the offers of the housing cooperatives, provided that the parents meet some conditions for this. Partly, the cooperatives pay higher interest rates than one bank or another. For example, good housing cooperatives offer around one percent interest over a period of two to three years. The prerequisite for such a cooperative offer is, on the one hand, membership in a housing association and the possession of compulsory shares, for which dividends accrue annually.

Conclusion: A recommendation is that the parents put together a combination of several savings schemes and thus combine attractive returns and secure investments. If a part of the money is paid into a daily account and from time to time shifted into fixed-term money and the other part flows into a fund savings plan, the offspring can look forward to a decent amount.

Special training insurance is rather not recommended

Training insurances are not recommended because they are not flexible and the return is low.

Save on the name of the child, parents or grandparents?

Actually, it is recommended to invest money in the name of the child. Because children have their own allowances. Thus parents benefit from the tax benefits when investing in the name of their child.

On the other hand, parents can no longer dispose of the money freely because the money belongs to the child. This is particularly spicy when the scion is of legal age and would rather spend the money for a dissolute party instead of studying. Full access to the money has parents or grandparents if they save on their name.

In addition, the child is credited a fortune over 5,200 euros on the student loan.