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Incentives and benefits of choosing an electric vehicle

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Incentives and benefits of choosing an electric vehicle

The EV segment is growing and this is partly due to existing incentives as well as the benefits of having an EV.

MOBI.E explored the incentives and benefits of choosing an electric vehicle.

MOBI.E, as a public tool for sustainable mobility, has provided an overview of the benefits and incentives so that we can make more informed decisions about our mobility.

Support for the purchase of electric vehicles has increased, as the state can facilitate the transition to more sustainable mobility. In this regard, a range of support measures and tax incentives have been approved, from the purchase of cars, mopeds and bicycles to reducing the cost of charging in the national electric vehicle charging network, the Mobi.E network, through the installation of charging stations. loading.

Basic support when buying an electric car

  • light electric car – a concession for individuals in the amount of 4,000 euros for vehicles up to 62,500 euros;
  • electric light load — promotion of 6000 euros;
  • electric cargo bike - promotion of 50% of the purchase price up to 1500 euros;
  • Non-electric cargo bike – promotion in the amount of 50% of the purchase price up to 1000 euros;
  • Electric bycicle – promotion in the amount of 50% of the purchase price up to 500 euros;
  • regular bike — promotion of 20% of the purchase price up to 100 euros;
  • Motorcycles, mopeds, tricycles, quadricycles and other means of personal mobility, electric - promotion in the amount of 50% of the purchase price up to 500 euros;
  • Mobi.E Connected Condominium Chargers – promotion of 80% of the purchase price, including VAT, up to 800 euros + 80% of the installation cost, including VAT, up to 1000 euros per parking space.

There is another row bBenefits which also need to be taken into account, such as:

  • tax incentives
    • When buying an electric car With pays ISV (transport tax) e about MUK (single turnover tax). In the case of companies, is benefitm In addition to being exempt from offline taxation, VAT on the purchase and use of a vehicle is deductible and also benefits from an IRC point of view..
  • Waiver or Reduction of Parking Meter Fees
    • A lot ofmunicipalities provide reduction or before the same exemption from parking fees.
  • Lower maintenance cost vehicle
    • This cost is lower, On condition we left have deal with traditional changes periodic oil, filters, drive belts or spark plugs. On the other hand, regenerative braking saves on pads and tires. dabout automobile.
  • Download capability fast
    • download electric car it may take a long time, but the Mobi.E network provides more and more fast and ultra-fast stations that allow Significantly reduce download time. If needed, you can charge your car battery up to 80% in less than 10 minutes (super fast) or in less than 30 minutes (fast).
  • Expansion of charging stations
    • The network of public charging stations has focused on its expansion. The Mobi.E network covers the entire territory of Portugal and continues to expand., with more than 5.000 charging points.
  • Increase in the range of electric vehicles
    • The latest cars have a range of about 400 km. However, this can be up to 700 km or 800 km for longer trips.
    • Service only needs to be done every 50,000 km, compared to 20,000 km or 30,000 km for petrol or diesel vehicles.
  • Friend of the Environment
    • automobileelectric this is part group of zero emission vehicles locationsWhy this is environmentally friendly vehicles what kind does not radiate any gases harmful to the environmentas well as significant noise.

In 2021, electric vehicle sales in Portugal increased by 69% compared to 2020. Since the beginning of 2022, more than 6,000 electric vehicles have been sold in Portugal. and this trend has been increasing for several months.

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Economy

Is your loan reviewed in October? Get ready. Installment increase can be up to 45%

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Is your loan reviewed in October?  Get ready.  Installment increase can be up to 45%

Euribor rates rose sharply in September and will severely penalize those whose mortgages are renegotiated next month. View simulations

October should be a month of pleasant surprises for most Portuguese. Most of them will receive 125 euros in state support to cope with the effects of inflation. Those with children under the age of 24 will receive 50 euros for each child. And pensioners will receive a supplement equivalent to 50% of their pension.

But October has other surprises to consider financially. These are not at all positive. For many, gas and electricity prices will rise. And the Portuguese with mortgages, whose contracts will be renegotiated next month, are in for the worst of the unpleasant surprises: their house down payment will increase significantly.

This is because the overview of the contracts of those with a home loan is based on the average of the respective Euribor for the previous month, which it uses as an index. And in September, both the three-month-old Euribor, and the six-month-old, and the 12-month-old Euribor behaved the same way: they grew a lot. This is, in fact, the first time that the effect of positive euribor rates will be felt. This leads to an increase in the payment in October, which may exceed 200 euros.

But the bad news doesn’t end there, as these values ​​are expected to continue rising in the coming months. This is because the Euribor rates are closely linked to the changes in interest rates made by the European Central Bank, and this Wednesday the body controlled by Christine Lagarde. gave an indication of a new increase in October, which may reach even 0.75 points.

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Increases from 95 to 200 euros

Contracts indexed to the six-month Euribor, which make up the largest share of home loans in Portugal, will for the first time feel the impact of the rate in positive territory, where it has remained since June 6. And this is the second review this year.

This means that for a loan of 150 thousand euros for 30 years with a spread of 1% and an average Euribor rate for September, the monthly payment will be 600.51 euros, which is 146.44 euros more than has been paid since the last loan review. . Corresponds to an increase of 32%.

The six-month average Euribor rose from 0.466% in July to 0.837% in August, and in September it stands at 1.596%. The six-month Euribor has been negative for six years and seven months (from November 6, 2015 to June 3, 2022).

installment in October

150 thousand euros, 30 years, spread 1%

Euribor 6 months

pays

454.07

go pay

600.51

Increase

146.44

Those who have contracts indexed to 12-month Euribor and who will experience an increase in interest rates for the first time in 2022 will experience a larger increase. Since the contract is renegotiated from year to year, its holder will have to pay plus 201.72 euros in installments at home when you have to deliver 651.16 euros to the bank. In the last 12 months I have paid 449.44 euros. Corresponds to a 45% increase.

After soaring to 0.005% on April 12, positive for the first time since February 5, 2016, the 12-month Euribor has been above 0% since April 21. Its average also rose from 0.992% in July to 1.249% in August. And in September, the average figure is already at the level of 2.33%.

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installment in October

150 thousand euros, 30 years, spread 1%

Euribor 12 months

pays

449.44

go pay

651.16

Increase

201.72

On the other hand, in contracts indexed to the three-month Euribor, the effect will be smaller, but closer to one hundred euros. The amount will rise to 561.96 euros, which is 95 euros more than in July. The increase corresponds to an increase of 21%.

This year, this is the third upward revision of this type of contract, they were paid another six euros in April and another 17 euros in July.

The three-month Euribor was negative between April 21, 2015 and July 13, 2015 (seven years and two months). The three-month average Euribor rose from 0.037% in July to 0.395% in August and currently stands at 1.011%.

installment in October

150 thousand euros, 30 years, spread 1%

Euribor 3 months

pays

466.10

go pay

561.96

Increase

95.86

Euribor began to rise more significantly since February 4, after the European Central Bank (ECB) admitted that it may raise key interest rates this year due to rising inflation in the eurozone, a trend that has accelerated with the start of Russia’s invasion of Ukraine.

Christine Lagarde thinks the ECB needs to act “whatever you can do” return “inflation to 2% in the medium term,” the ECB president stressed at an event in Frankfurt this Wednesday.

According to Lagarde, if the bank does not go for a new increase in interest rates, the consequences for the economy will be more serious than the increase in the cost of credit. “Our goal is not to slow down growth, our main goal is to ensure price stability. This is what the ECB needs to achieve,” he added.

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mango. If you want to buy this set, you must be on the waiting list.

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mango.  If you want to buy this set, you must be on the waiting list.

HAda is more elegant than the “set of twins”. With just two parts, you can create an image without spending a lot of money and get an elegant result. And we’re not the only ones who think so, at least given the virtual queue created for the Mango suit, one of the most coveted sets of the season.

Read also: I had no time! One of the most coveted dresses has arrived at Mango Outlet

Sweater and pencil skirt in chunky jersey with lozenges are perfect for any occasion. It reveals both a more practical side when worn with sneakers, and a more elegant side with high boots or ankle boots.

Read also: Follow fashion trends with these six pieces of clothing.

The two parts are part of the Committed collection. This means that they have been produced using fibers and/or sustainable manufacturing processes that help reduce environmental impact.

Both are available in XSS and XXL sizes. The sweater costs €35.99 and the skirt €29.99. Invoices made gives a total of 65.98 euros.

Check out the gallery above!

Read also: Start Saving Now For These 35 Cozy Things You’ll Want To Buy

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Economy

House fees will rise from 89 to 202 euros in October for contracts with Euribor.

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House fees will rise from 89 to 202 euros in October for contracts with Euribor.

An enterprise simulation shows that a client with a loan of 150 thousand euros, for a period of 30 years, indexed to Euribor for six months and with a “spread” (bank profit margin) of 1%, starts paying from October 600.20 euros, which 146 euros more than the last review in April.

In the case of a loan with the same conditions (amount and maturity), but indexed to a three-month Euribor, the client will pay 555.25 euros, which is 89.08 euros more than in July this year.

Finally, for loans indexed to the 12-month Euribor, the mortgage payment on the loan under the above conditions will be 651.41 euros, which is 202.10 euros more than in October last year.

These values ​​have been calculated using September averages of Euribor of 1.596% for six months, 1.011% for three months and 2.233% for 12 months, according to Deco.

Today, on the last day of September, the Euribor rates rose to three and six months and fell to 12 months compared to Thursday.

The six-month Euribor rate, most commonly used in Portugal for home loans and entering positive territory on June 6, rose to 1.809% today, up 0.009 points, after rising to 1.858% on Wednesday, the highest since January 2009. .

The 3-month Euribor, which hit positive territory for the first time since April 2015 on July 14, also edged higher today when it was set at 1.173%, climbing 0.013 points after rising to 1.228% on September 27, a new high. since January 2012.

On the other hand, in 12 months, Euribor fell today, for the third time since September 9, when it was set at 2.556% minus 0.022 points against 2.625% on September 27, a new high since February 2009.

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Euribor began to rise more significantly since February 4, after the European Central Bank (ECB) acknowledged that it may raise key interest rates this year due to rising inflation in the eurozone, a trend that has accelerated with the start of Russia’s invasion of Ukraine. 24 February.

On September 8, the ECB raised three key interest rates by 75 basis points, the second consecutive increase this year, as it raised three key interest rates by 50 basis points on July 21, for the first time in 11 years. the purpose of curbing inflation.

At the end of the last meeting, ECB President Christine Lagarde said that a historic 75 basis point hike in interest rates was not “the norm”, but stressed that the evaluation would be carried out from meeting to meeting.

Changes in Euribor interest rates are closely linked to increases or decreases in ECB key interest rates.

Three-, six- and 12-month Euribor rates were the lowest ever, respectively: -0.605% on December 14, 2021, -0.554% and -0.518% on December 20, 2021.

Euribor is set on the basis of the average rate at which a group of 57 Eurozone banks are willing to lend money to each other in the interbank market.

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