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Banks must allow renegotiation of home loans when the effort rate reaches 36%

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Banks must allow renegotiation of home loans when the effort rate reaches 36%

New Decree-Law provides for renegotiation of home loans when the effort level reaches 36 percent or when there is a deterioration of five percentage points.

It is important to emphasize that for in order to measure the level of effort of each family, all expenses on various loans are taken into account, and not just a home loan.

If the effort level exceeds 50 percent, banks must submit a renegotiation proposal.

Joao Nuno Méndez, finance minister, explained that this revision could mean, as a decision, extending the term of a loan, consolidating loans, requesting a new loan or even lowering the interest rate for a certain period of time.

“There will be a clear condition: there can be no increase in the interest rate,” he stressed.

From the date of entry into force of this diploma temporarily there will be no “penalty for early repayment of loans”the governor explained briefing after the Council of Ministers.

With this measure in effect until the end of 2023, The government intends to “give some sort of weapon to people who want to change institutions, renegotiate conditions, or be able to use their savings to reduce their debt.”


The measures announced today are aimed only at loans intended for own and permanent housing and at a floating rate, in loans up to 300 thousand euros.

With these measures, the government intended to “cover as many situations as possible”. Minister of Finance at a press conference He also took the opportunity to appeal to “the activity and responsibility of banks”, stressing that the default on payments and the debt situation is not beneficial to anyone.

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according to communiqué Council of Ministers this Thursday, financial institutions must “monitor the level of effort of clients who have permanent housing loan agreements with an outstanding amount of up to 300,000 euros”.

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Economy

ITA Airways may be partly in the hands of the Italian state railway

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ITA Airways may be partly in the hands of the Italian state railway


The Italian government is exploring new possibilities for the sale of ITA Airways, which could involve Lufthansa and the national rail company, Ferrovie dello Stato (FS). This is reported by the Italian newspaper Corriere della Sera. Earlier this month, the government announced it would resume talks with Lufthansa after inconclusive talks with a consortium formed by Air France-KLM, Delta Air Lines and Certares.

Lufthansa said last week through a spokesperson that it remains interested in the acquisition. The original partner of the German group, the sea carrier MSC, refused to negotiate.

With FS, the Italian government, along with Lufthansa, has a new takeover candidate for the airline. Reuters news agency reports that government documents show the government wants to sell 51 percent of ITA to Lufthansa for 250 million euros, with 29 percent to go to Ferrovie dello Stato, with the rest remaining in state hands.

With the partial acquisition, ITA FS will be able to use a combination of air and rail transport. Moreover, it already offers high-speed lines connecting the main cities of Italy, the Italian newspaper writes. Cooperation can facilitate the transition to both modes of transport.

Having FS as an airline partner was nothing new, as the state-owned railway was also a shareholder in the bankrupt Alitalia. The difference here is that if there is Lufthansa in the package (if these plans are confirmed), it is the Germans who should have control and will dictate the step of the company, which is unprofitable today.


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Economy

Tesla announces another recall of 80,000 vehicles, and some even have to be recalled

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Imagem Tesla recall

Tesla cars suffered this year a large number of requests for “collection”better known as the process revoke🇧🇷 Trouble again and 80,000 vehicles in China will be recalled. If many of recalls was an easy decision as it was over the air (OTA) it really obliges the owners to take the car to the workshop.

In fact, this year, many millions of Tesla electric vehicles received revoke for fixes.

Many of the reviews are related to issues resolved via OTA.

Whenever there is a safety issue, the NHTSA must issue a "safety recall", even if the car manufacturer does not have to physically recall any vehicles, leading to some confusion.

Once again last month, Tesla's "1 Million Vehicles" collection of vehicles generated a lot of news as the impact on drivers was almost negligible considering the update only changed via OTA the software that runs the car system. to work with windows.

These cases have prompted Tesla CEO Elon Musk to complain about the term "recall = collection" and how it is being used in the media against Tesla. Today The American company again announced new collections in China about 80,000 cars.

13,000 Tesla electric vehicles have seat belt problems

The recall includes 67,698 imported Model S and Model X vehicles with a battery-related software issue, according to Chinese authorities. Again, the fix is ​​a simple software update. Nonetheless, this time there is also a physical collection due to the problem with the seat belt in approximately 13,000 Model 3 vehicles: 2,736 imported and 10,127 made in China.

over 20 recalls there were many collections in 2022. However, Tesla is not the only automaker to be hit by major recalls this year. OUR Ford also just confirmed that it is recalling another half a million vehicles. due to fire hazards, and many car manufacturers have also recalled millions of vehicles this year.

In any case, the fact that the vast majority of calls from electric brand a quick fix with over-the-air (OTA) software updates — rather than taking cars back to the dealership like other car manufacturers — shows that Tesla's level of connectivity to its cars is a huge advantage in the industry.

The software update system (OTA) allows the buyer to fix many problems easily and conveniently, and for Tesla itself means big money savings.

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Lidl wants to dominate the fast-charging market for electric vehicles at affordable prices

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Estação de carregamento, no Lidl, aberta 24 horas por dia

One of the EU’s goals for electric vehicles is to guarantee charging points so that tram drivers don’t have to worry about being on the road when they travel. To meet this need and dominate this market, Lidl intends to offer affordable prices.

We may soon see this initiative in more supermarkets.


Despite being a supermarket chain, Lidl has been guaranteeing electric vehicle charging stations in its stores for some time. However, a new journey has now begun, the launch of the first ultra-fast charging station, which has the distinction of guaranteeing a price well below what can be found on the market.

With this new equipment, in addition to the aesthetic aspects, Lidl takes on technical and cost commitments, guaranteeing the best on the market. After all, she not only placed the charger in her supermarkets, but also created, in turn, a space with protection for vehicles, users and chargers, in an area open 24/7 (i.e. 24 hours a day, 7 days in Week). . . .

This provides better visibility of the infrastructure and reduces the risk of internal combustion engine vehicles occupying space reserved for electric vehicles.

Lidl bets on affordable charging points

The first station will be installed in a Lidl supermarket near the French city of Lyon. The space is equipped with five charging points ranging from 22 to 360 kW. Thus, each client will be able to choose the one that best suits his needs.

For example, a 22 kW charger has a competitive cost of 25 cents per kWh. When we move to more powerful stations of 90, 180 or 360 kW, the price becomes 40 cents higher per kWh.

The strategy adopted by Lidl in some of its stores is already rolling out to other countries, such as Germany, where the supermarket chain is installing its first fast-charging stations, with 150kW stations priced at 48 cents per kWh.

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