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The Confederation of Employers of Malaga (CEM) to facilitate financing on favorable conditions to companies based in the province with the aim of encouraging investment, encouraging foreign trade and supporting expansion and the development of strategic projects of the business sector of Malaga and province.

Thus, it enables a financing line of 700 million euros aimed at more than 45,000 self-employed and small and medium-sized enterprises (SMEs) and 100 associations that are part of CEM and, in addition, puts at your disposal an offer of financial products and services specific to facilitate their activity, as well as microcredit to promote self-employment.

The renewal of the agreement, signed by the presidents of Unicaja Banco, Manuel Azuaga, and CEM, Javier González de Lara, reinforces the relationship between both entities “for years aimed at achieving the common objectives of favoring the business fabric, facilitating the economic boost and support the employment of Malaga and its province “.

The company in general, and the SME in particular, according to the entity, “continue to be one of the key groups in the financing policy of Unicaja Banco, especially in regard to Andalusia and, specifically, to Malaga.” In this regard, they have highlighted in a statement that one of their “priority business axes is the financing of companies, which is crucial for boosting the economy and creating jobs.”

The collaboration agreement includes specific financial products and services under advantageous conditions aimed at satisfying the needs of companies and independent professionals in Malaga and the province.

In addition, the new agreement also includes a line of microcredits aimed at promoting self-employment through the granting of online loans paydaynow.net, entrepreneurs or professionals with viable projects. They will have an amount of up to 25,000 euros that can finance up to 90 percent of the submitted project.

The renewal of the agreement undergoes an evolution



the products and services offered by Unicaja Banco in the companies segment, based on three axes: specialized service in price, the range of products and technology, they have sustained. In particular, employers who are part of CEM may benefit from services under advantageous conditions such as the passive product, the Professional Zero Business Plan, the Autonomous Zero Professional Plan, as well as the treasury management for self-employed workers and companies through accounts. , investment funds or private banking.

Also of operations of financing of companies: services ‘Financioning’, financing for circulating, for investment in new projects, foreign trade, ICO 2018 lines, or microcredits and the first loan company for the promotion of self-employment through viable initiatives. Other products are the channeling of investments, payment of taxes, the supply of real estate, foreign trade, foreign exchange, digital banking, insurance and pension plans, and so on.

The Confederation of Businessmen of Malaga integrates to SMEs and autonomous of the province, the majority group in more than a hundred of sectoral organizations, that surpass the 45,000 highs in the Tax of Economic Activities (IAE). Among its missions is to promote relations between financial institutions and the productive fabric of Malaga to facilitate the normal development of its activity.

“Unicaja Banco has maintained a close collaboration with CEM since its founding origins, having subscribed in previous years financial agreements to facilitate financing to Malaga companies under preferential conditions,” they recalled.

Housing shortage – How cities worldwide create housing

Inspiration from Tokyo, Berlin, Singapore

Untapped living tradition in Japan

Untapped living tradition in Japan

There is a living concept in Japan that saves space and energy and recycles resources. It could be a model for the future. But the country has dropped this concept, which has developed over centuries, in the post-war years.

In the traditional Japanese residential house, rooms have no function assignment. There is no sleeping, dining or children’s room. And no furniture – except perhaps in one room a low table and in another a dresser. The floors are tatami mats made of rice straw, where people eat, read and do homework on cushions. To sleep, you get the futons from the closets, of which there are many in the traditional house. This turns the dining room into a bedroom within seconds. That’s why the Japanese traditionally need less space than we Europeans. In the small houses lived mostly three generations under one roof.

In the Edo period until 1868, a time of strict class society, there were regulations in Japanese cities about how large the buildings should be that members of different classes build. This should save space and heat energy. In addition, all the houses had to be south facing and have a veranda. Especially in the big cities of Tokyo and Osaka with their sunny winter months, this also helped to save energy.

This modern-looking home idea has given up Japan in the postwar period. Gradually, all traditional houses are demolished. They have to give way to prefabricated houses from companies like Panasonic and Toyota, or they are building large blocks of flats. The Japanese call “Apato” tiny, poorly-built studios of mostly 28 square meters. Today a lot of single young Japanese people live in an Apato. These houses are hardly isolated and must therefore be strongly heated in winter, cooled in the summer with plenty of electricity.

Co-living space in Berlin

Image result for co living space berlin

Living in the hippest part of the capital, with a modern kitchen and a luxurious roof terrace – and for a few hundred euros rent a month and also indefinite. So one should be able to stay in Berlin soon. The only catch: one lives very closely. For sleeping, there is only a kind of niche with a shelf, in which fits the essentials. The rest are common areas, laundry facilities, storage space. “Pod-Living” is the somewhat silly name of the model, a mixture of dorm, shared apartment and Japanese capsule hotel with bunk beds.

The whole thing is still in progress. The start-up Robin Hood is currently in the process of renting a large commercial property in Neukölln in order to rebuild it. No details are yet to be revealed, how many berths will be available and what exactly they should cost. Only so much: The interest is enormous, on the waiting list have already registered 2000 people. They are people who actually make up the character of Berlin, artists, creative people, students, young immigrants, but who find it increasingly difficult to find a permanent home in the city.

Dennis Prinz, founder of the start-up, could be one of them. He has studied acting, lived here and there, curated this and that until eventually he moved to Berlin, “the most exciting city in the world”. In recent years, he has himself experienced how living space has become ever scarcer and more expensive. People like him, he says, would set themselves up in a state of persistent intermediate rent, “four weeks in an airbnb, then two weeks with friends on the sofa and another three weeks in the hostel.”

In pod-living you should be able to check in and out via an app within hours, but you can also stay permanently, says Prinz. He has founded a co-working space in Neukölln, a community office where you can rent for weeks or even by the hour. Now he transfers this form of urban nomadism to living. He works with the district, which is open to the model.

Vertical villages in Singapore

Vertical villages in Singapore

In the heart of Chinatown, the “Pinnacle @ Duxton” stands out in the sky. Five high-rise towers, which are connected at the top by wide bridges, so that a large sky garden is created, with chairs under trees and best view over the entire island on the waterway of Malacca. The building can easily keep up with all the other innovative buildings that shape Singapore’s skyline. But in homes like the Pinnacle, there are no private investments. Rather, it is a showcase public housing project that offers four out of five Singaporean citizens a rather small but always comfortable home. “HDBs” is the name of the housing units in the local jargon, according to the authority that plans and manages them, the Housing Development Board.

For the majority of Singaporeans there is no life and housing without HDB. They grow up in one of the apartments that spread all over the city-state and form a parallel housing market to the so-called condominiums, which are subject to the free market and are mainly used by the many foreigners in Singapore. The HDBs, priced significantly cheaper, are reserved for Singaporean citizens. Public housing has played a central role in the development of the city state since the independence of Singapore. Any Singaporean family with a monthly income up to a maximum of € 7500 can apply for the purchase of such a HDB apartment. However, they have limited choices in which facility they want to settle. On top of that, the apartments were reserved for married people only. In the meantime, singles who are 35 or older can buy a small HDB unit. The size depends on the number of family members. The state encourages the purchase and ownership of housing, with 90 percent of HDB users living in apartments owned by them. The acquisition is financed by a sophisticated loan system. For the very poorest in Singapore, there are rental apartments, some cost only 30 euros a month.

There are about one million HDB flats in the city-state, with a population of five and a half million. Since the 1960s, Singapore has systematically operated the relocation of village communities, the Kampongs, in high-rise buildings. Some call the HDBs therefore “vertical villages”. In the multi-ethnic state, the apartments of each complex are given a key, so that no ghettos of individual ethnic groups arise, but the largest groups – Chinese, Indians and Malays – each distribute. As in all areas of life, little is left to chance when it comes to living. The authoritarian-ruled Singapore acquires the sympathy of its citizens, above all, through a high degree of strictly regulated care – a system in which there are fewer freedoms than in many Western countries.

No idea is too outlandish

Churches make room for apartments, bridge pillars could become residential towers. The housing crisis also includes the opportunity to finally think about new ways of living in the city. By Gerhard Matzig more …