Resorts in Spain

spain

In today's world travel and tourism sufficient. Spain among destinations is one of the leading countries not only in Europe but also the world. Visit Spain with its resorts and cities is possible for a relatively small amount in contrast to exotic destinations.

Many travel companies are offering their services, including in the direction of Spain. In office or on official websites, you can order a unique tour of the all-inclusive type, but you can go to Spain itself. Actually this task shall each independently.

You can take a trip to the peninsula as well as the islands, for example, the Canary Islands or the Balearic Islands. Particularly popular island of Tenerife (Canary Islands) and the Costa del Sol.

In Spain is very well developed tourist infrastructure, many hotels offer their services for tourists and travelers of different levels, from the most simple to the highest level of service.

Leukerbad, how to get there, stay in Leukerbad

leukerbad

Leukerbad Spa is one of the largest thermal-known tourist sites in Switzerland. It is located in the Swiss Alps and is renowned for its health complexes and thermal springs. Tourists can get to Leukerbad from Geneva airport, where hourly trains to the town of Lake. Coming from Leukerbad by taxi (60 CHF) or on the bus. This resort is a perfect place for those who love the winter holidays, clean air, snow, sun and mountains.

Specificity of the resort: thermal spa known worldwide for its healing power sources having a temperature of about 50 degrees, which were already known during the Roman Empire, is now one of the most popular holiday resorts for tourists.

Ski slopes: slopes with a total length of 50 km with a height difference of 1411 m to 2700 Trails are equipped with 18 lifts, 2 of which cabin, 10 ski lifts, 2 gondolas and 4 chairlifts.

Cross Country Skiing: country ski trails with a total length 25 km. Snowboarding: snowboarding is possible in the halfpipe and park in the area Torrenthorn.

The resort Leukerbad has a toboggan run, a well equipped snow park, a skating rink for curling, as well as outdoor and indoor skating rinks. For various leisure travelers the resort offers three indoor tennis courts, gym, courts, two squash courts, snowshoeing, rock climbing, billiards.

This resort has won a reputation as the best place in the world for treatment of injuries, post-traumatic effects of bruises and sprains, as well as diseases of the spine and musculoskeletal system.

The Governing Board of the Reserve Bank of Australia

Australia (RBA)

Decisions on monetary policy takes Australia, the Governing Board of the Bank of Australia. Council members hold meetings 11 times a year, every first Tuesday of the month, except January.

Decisions on the discount rate is usually announced a day after the meeting. 9 members of the Board are: three ex officio members - the Manager, Assistant Manager, and Secretary of the Treasury, as well as six external members, appointed by the Treasury. Governor and Deputy Governor are appointed for a term of up to 7 years, with the right to re-election. 6 external members are appointed for a term of 5 years.

A key instrument of monetary policy the Reserve Bank of Australia (RBA) is the interest rate on the overnight money market presented in the form of the target level for the receipt of the course.

Checking rate - the interest charged for overnight loans in the calculations between financial institutions.

According to the regulations of the Reserve Bank of Australia, the central bank aims to maintain the stability of the Australian dollar and to maintain full employment. The objectives of the Bank were formulated in 1993, when he received operational independence, and are based on the target inflation rate is equal to 3.2% y / y This goal is set for medium and stimulate a healthy and sustainable economic growth.

Despite the fact that the independent Bank of Australia since 1993, Governor of the Bank and his deputy are appointed by the Treasurer.

Algarve, Portugal

Algarve

Most of the Portuguese border runs along the sea, therefore fishing villages and towns can be found in many coastal areas of the country. One of the most advanced fishing areas of the country is south of Portugal - Algarve region. Since the end of XX century the Algarve has actively developed as a resort, which has led to a shift in major economic sectors with the traditional fishing and agriculture to the tourism industry. In the history of the Algarve have contributed to the Greeks, Phoenicians, Romans and Arabs, so there is no shortage of things to do.

As can be seen in the Algarve?
Let's start with the capital of the region - the city of Faro. There are many churches, monasteries and chapels, as well as the Cathedral and Bishop's Palace. The old town is surrounded by a partially preserved walls. There are museums - municipal, marine and ethnography.

In the city of Portimao Alvor worth seeing Castle and the Palace of Abreu, visit the ethnographic museum and a park-Vishkonde Bivar. Not far from Portimao is a large prehistoric cemetery "Alkalar."

The main attractions of the fishing town of Olhao - a large fish market (open on Saturdays) and the old cathedral church. In the vicinity of the town is a national natural park of Ria Formosa, a central element of which - the lagoon.

Natural Park of Ria Formosa - a channel, pink flamingos and storks. And also a lot of fun hiking and sea excursions for tourists and travelers. Traditional tidal mill and farm were specially restored to become part of the tourist routes.

In the small town of Lagos and the surrounding attractions are surprisingly abundant. This is not only familiar to Portuguese churches, chapels and monasteries, and the forts and the castle of the Virgin and Roman dam (Fonte Cobert), the building of the former slave market and the weapons shop.

Sights of the city of Silves - two of the castle (Silves, Alkantarilya) and the Cathedral. Administratively this city is one of the most popular beaches of Portugal - the beach Armacao de Pera, edged with beautiful rock formations.

In the pleasant city of Tavira gaze remarkable ancient bridge and the splendid views from the fortress. Catholic churches there is a lot - more than three decades.

In the city of Loule is an ancient castle and several churches. But the most interesting local market. In addition to the products of fishing and agriculture are sold many high-quality handicrafts - from wicker baskets and straw hats to leather straps and brass products.

In the city of Lagoa addition of Churches (MATRIZ de Lagoa and MATRIZ de Eshtombar) and monasteries (San Zozhe and Nossa Senhora do Carmo-) is a fortress castle, which stands to visit.

The modern town of Vilamoura was originally built as a resort. Its attractions - a few water parks and a zoo in the area, plus the largest in Portugal marina.

The main historical attraction of the resort town of Albufeira - the Moorish castle.

Summarizing the above, it is worth noting that, except for the capital of Faro, Portimao Algarve and in part has distinct urban and cultural centers. This provincial Portugal, a trip on which breaks or to visit several small towns pretty, or takes the form of a relaxing holiday on the selected beach resort. This region is famous for more pristine nature and the living testimony of history - churches, monasteries, castles, fortresses, than museums.

how to get a mortgage in Portugal

Mortgage in Portugal

Borrower may act as an individual and company.
The minimum loan size in Portugal is 50,000 euros. The size of the mortgage is limited only by the fact that its amount can not exceed 80% of the appraised or market value of real estate (whichever is lower).
Mortgage terms from 5 to 30 years, age maximum 75 years.
Since each bank's most important is your ability to pay, the majority of Portuguese banks take into account your existing commitments and payments, including payments on the mortgage / rent, personal and bank loans, and alimony. Along with the expected costs of the Portuguese mortgage your payments may not exceed 35% (this figure may vary) of your monthly income.

Portuguese banks require proof of income. It may be help on wages, savings or investment income. However, not all lenders take into account these documents.

Insurance of property to be acquired is a prerequisite, and is often sold as a separate product by the lender. As for life insurance, it is often necessary, but there are exceptions.

Mortgages granted for up to 80% of the appraised value of real estate: the figure in most cases different from the market valuation. Taken into account transactions for similar items in the selected area within the previous 6 months, which is derived from the average cost per square meter. This figure applies to the characteristics of the property interest to come to the appraised value of real estate.

An application for a mortgage in Portugal for the purchase of real estate.
We recommend that you learn about possible mortgage options before making a purchase, and possibly to the point that you are planning a visit to find a property in Portugal. This will let you know on what conditions you can expect based on your financial situation and your budget, and also obtain the prior approval of the bank.

Terms Mortgage Lending in Portugal: Up to 80% of the appraised value of real estate, loan term of 5 to 30 years, age maximum 75 years, floating rate of Euribor + 1% 3/6/12m -2.25% Fixed rate 2.75 % -6.25% Administrative fees account for 1-1.5% of the loan, there are limits (sanctions) on the early repayment of the loan, minimum loan amount is 50,000 Euro

Palma Nova in Mallorca first resort

Palma Nova

Palma Nova (Palma Nova) - a town located 12 km from Palma de Mallorca. Him firmly entrenched glory of one of the first resorts in Mallorca, organized for mass tourism. Although much of the island has been updated and improved to meet modern tourist trends, Palma Nova was able to maintain its original appearance, delighting tourists beautiful beaches, beautiful landscapes, slow and relaxed summer holiday. Due to its serene romantic atmosphere this resort is a place best suited for a relaxing family holiday.

In the resort of Palma Nova has three beaches, each of which has a different, but they are united among themselves invariably pure white sand and turquoise water. Local beaches are among the best of extending along the Bay of Palma de Mallorca.

Platja de Carregador is close to a small local jetty where chartered yacht. Platja de Palmanova in the center of the promenade beach area. Here tourists from many tout souvenir shops where you can buy all sorts of gifts to relatives and friends.

Platja de Son Maties - third beach that anything special except for clean water and soft sand are released. But what do you need for sunbathing and enjoying a dip in the sea? This beach is adjacent to the Cape Torrenova, the dividing line resorts of Palma Nova and Magaluf.

From entertainment to tourists include surfing, sea fishing, boating or yachting, water skiing. There's also a casino, restaurants and clubs. In stores you can buy jewelry, clothes, great Spanish wine, cosmetics and gifts. All this is offered in a wide range.

And in the tropical garden of the hotel Bahia Palma Nova is a great field for mini-golf Golf Fantasia. He also is popular with tourists for its fine cuisine restaurant and the wonderful scenery that can be seen from the outdoor terrace located here cafes Blau Mas. In addition, it is here situated popular tourist casino "Palladium", the best in Mallorca. Also not far from it is a park, "Marineland".

Madeira Island - tours and attractions

Madeira Island - tours
The word Madeira (aka - Madera), the majority are associated primarily with the sort of strong wine. But originally the word ispolzoavalos only as the name of the central islands of the archipelago of the same name. Portugal, in addition to the mainland has autonomous regions - Archipelago of Madeira and the Azores. Most of the two and a half dozen islands that make up the archipelago, is not populated, or the status of nature reserves is limited by the presence of people. Therefore, the theme of our story is the main island - Madeira, a small inhabited island of Porto Santo.

What you can see in Madeira
The capital of Madeira - Funchal city, which is sometimes referred to as 'Little Lisbon' for the reason that the direct avenues and parks, and buildings in the style of a traditional Portuguese architecture have here is much smaller than in Lisbon and other major cities in the mainland.

Promenade "Formosa", stretching along the coast abounds with observation decks and food service establishments. Botanical Garden of Madeira, located near the center of Funchal, includes a museum of natural history, and has a rich collection of flora and fauna of the archipelago, some of which are not found anywhere else in the world. Those wishing to enjoy the taste of different exotic fruits is waiting for the urban market, "Lavrador." And the services of gamblers - the casino with the original architecture. The central temple of the city - an ancient Roman Catholic cathedral Funshalsky (XV c.).

In Funchal, cultural and historical heritage of the archipelago of Madeira is carefully preserved in more than two dozen museums. Among the most important museums worth mentioning Museum of Modern Art and History Museum, Museum of Electricity and embroidery, the Museum of sugar and wine museum, military museum and a museum of sacred art, a museum and a museum of toys whales (whaling) as well as an ethnographic museum and a museum library .

Tours in Madeira are popular among fans of wild nature. Mountain laurel forests of Madeira listed as a UNESCO World Heritage Site. Delivery of excess rain water from the mountains in the north to the plains to the southern part of the field by means of man-made irrigation canals. This channel is called "Levada", and the construction of irrigation canals first began here in the XVI century.

Today, along the many canals are popular with tourists walking trails, and in difficult places on the routes stretched Tethers. Thus, the irrigation canal acts as a landmark on the route, and does not allow to get lost. However, the printed circuit routes should not be neglected. On some routes have very complicated place that can not be overcome without climbing equipment and is not recommended to proceed without a local guide. The highest point of the island of Madeira - the top of Pico Ruyvu, equipped with a viewing platform, but the complexity and unpredictability of the weather conditions in the area (rain and fog) may interfere with inspection of landscapes. In the town of Pont-du-Parga, on the westernmost point of the island of Madeira, is a lighthouse.

Sights of the island of Porto Santo are scarce. It attracts fans of beach tourism, thanks to the long sandy beach, about nine miles. On the beaches of the island of Madeira is almost there. The only high-grade sand beach in the town Cailletet, Madeira was created artificially, with imported sand. On the island of Porto Santo is also a museum-house of Christopher Columbus, who has lived here for some time.