And finally, the most important factor when choosing the best loan, and the only one that can be used to compare homogeneous offers: the APR. If the loan includes other mandatory costs such as insurance or commissions, the interest to be paid will be much higher than that set by the fixed or variable interest rate. The APR, or annual equivalent rate, is the closest, in terms of percentage, to the real cost of the loan. But it only includes mandatory bank costs, that is, for example, the notary and property registry fees when signing a mortgage loan are not included. You can request the APR from any bank, since they are obliged by the Bank of Spain to report it.
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The most common brazil whatsapp mobile phone number list method used by companies to comply with their obligations regarding occupational risks is to hire an external company to draw up the prevention plan . However, this means assuming an annual cost, which often causes reluctance among employers, especially those who have a small number of workers who perform jobs with little risk.
With these situations in mind, in 2010 the Ministry of Labour created a website called Prevención 10 , through which companies with fewer than 25 employees can prepare their occupational risk prevention plan free of charge. By following the steps indicated on the website, the employer can design and implement the plan, personally assuming the prevention tasks.
In order for the employer to be able to take on prevention, it is required that he/she carries out his/her usual activity in the workplace and that he/she has a basic course on occupational risk prevention , depending on the risks to which the workers are exposed and the dangerousness of the activities. If the company's activity is classified as dangerous or if it is included in the mining or construction sector, it is not possible to use Prevención10 to make the plan.