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falls 1.5% delinquency scale

delinquencies of mortgage loans granted to English families to buy a home in June fell to 2.568%, which now totals three consecutive quarters of decline, according to data provided today by the English Mortgage Association (AHE .)

Thus, mortgage delinquencies in June stood at levels not seen since the last quarter of 2008 from which time began to climb up to a maximum of 3% in September 2009.

English Mortgage Association also provided data through July 2010 for bad loans to resident private sector, which stood at 5.524%, the highest in the past five years.

By kinds of entities, credit institutions in July had a delinquency rate of 10.13%, almost double that of other entities.

Here were the savings they had higher default rate in regard to the resident private sector credit, the 5.515%, followed by banks, with 5.449%, and credit unions, with 4.224%.

The AHE also provided data delinquency credits for housing rehabilitation through June, which decreased to 2.92%, the first decline since December 2009.

With respect to the overdue loans to finance real estate, increased to 11.13%, almost six times more than two years earlier, in June 2008 when it stood at 1.93%.

In this case it was the banks that had higher rates of delinquency (12.08%), followed by savings banks (10.74%), credit (8.96%) and credit institutions (2.07%). Something

below stood in June, according to data from the HEC, the slowness of the appropriations for the construction, since for all financial institutions stood at 9.97%.

The credit institutions included with the highest rates of delinquency in this segment of 10.77%, followed by credit unions (10.60%), savings (10.54%) and banks (9, 12%).

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GeoCity Task Performance


Summary

The project being developed at the Centro Escolar Cedros school from 2009 to 2010 in the subject of Geography of Mexico and the world is called: "The digital maps in the modern age" (digital and GeoCity maps).

This project is based, to use the inverted design as a methodological strategy to reach a lasting understanding (great idea), through which students can develop educational skills using the Information Technology and Communication, which is transferred to different areas of knowledge.

For students, the inverted design strategy results in a performance task.

Performance Task draws students:
a) The goals to be achieved at the end of the project,
b) The role to be taken to solve a real problem,
c) Hearing where it is to play the role of student,
d) The situation that is the approach to a problem that needs to be resolved,
e) The Products shall be giving the student to resolve the situation and
f) Success Criteria which are the tools with which to be evaluated final delivery.

In each quarter of the subject of Geography of Mexico and the world is assigned a different task performance, however, that projection has been taken to an international forum (International Society of Technology in Education) has been that is from the third section of the agenda.

digital maps in the contemporary era (GeoCity and digital maps), is a performance task that involves the use of a Geographic Information System (GIS) developed by the INEGI (National Institute of Statistics, Geography and Informatics), GIS is a software program called IRIS (Information Referenced geospatially Integrated System).

GeoCity and digital maps is a school project comprises 5 stages:
1. Defining the problem.
2. Contingency and vulnerability of the population.
3. Diagnosing the problem using IRIS.
4. Proposals to solve the problem.
5. Report on proposals that provide solutions to the problem.

GeoCity and digital maps promotes on the one hand higher thinking skills XXI century and secondly, the actual geographical skills. This project plans to work collaboratively, not only among students - teacher, but with government officials, researchers and other institutions to share information to find solutions to common problems.

prepare students in these digital tools will strengthen their skills for life. To do this, teachers also need to implement and assimilate the skills needed to encourage students in the achievement of ever higher and more human.



Introduction
The continuous transformation of nature and society in the world, as well as progress in scientific research and technology, geography facing the challenge of providing better training to young people of basic secondary education, for:
1.Regional knowledge related to geographic space,
2.Adquirir management skills and interpretation of maps and information
3.Fortalecer diverse attitudes and values \u200b\u200bto the environmental, social and cultural rights of different groups of people.

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Euribor one thousandth

The twelve-month Euribor, type that are referenced most mortgages in Spain, has located its daily rate at 1.413%, a split over the level set the previous day (1.412%).

indicator premiered in September at 1.411% and the six days of banking ranging from months has been fluctuating upwards or downwards to reflect the progressive relaxation of the interbank market.

Experts predict that the Euribor will continue rallying until the end of the year, although not rise significantly until the European Central Bank (ECB) decided to raise interest rates.

The Euribor has risen in August to 1.421% from 1.373% the previous month and adds its fifth consecutive month of increases. The increase raises the annual review mortgages and half for the first time since November 2008.

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CCOO proposes a protected rent for

The CCOO union has today proposed mortgage legislation is amended so that, in cases of default of a mortgage that the bank gets the housing, the former owner to continue using it in exchange for rent price protected.

CCOO has warned today that the mortgage debt hinders access to housing "an important part of citizenship", especially young people, and criticized that despite the downturn caused by the end of the bubble, prices housing remain "inaccessible".

A statement from the union, "the indiscriminate granting of credits mortgage "was" driven by financial institutions and consented to by the government during the long period of boom, real estate. "

Under the terms of CCOO, this" allowed access to housing for many people but, turn has been the cause of serious debt problem currently affecting many workers. "

The precariousness and unemployment have increased the number of people who can not afford to pay their mortgages, so it has claimed CCOO government to "promote public policies" to facilitate access to housing and to intervene to prevent foreclosure for those who can not afford it because they have lost his job.