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|ZAGREB Cheap Air Max 270 Mens , June 10 (Xinhua) -- Four years ago Croatian national team didn't make it to the World Cup in South Africa. Still, Croatian supporters had to pick a team to cheer for. This year, luckily, Croatian football lovers don't have to go through the same process again because their focus will be on Niko Kovac's team.
But, if they would have to pick a team they would have several choices. Besides Croatia, there are three other teams at this World Cup that have at least one player with Croatian heritage.
Almost one third of Australian players are somehow connected to Croatia. Even the captain of the team Cheap Air Max 270 Light Bone , 29-year old defensive midfielder Mile Jedinak, is Croatian. He spent one season playing for Croatian club Varteks but didn't leave a huge mark.
Ivan Franjic, 26-year old defenseman, has Croatian parents. Midfielder Dario Vidosic, 27, was born in Osijek Cheap Air Max 270 Flyknit , town in the eastern part of Croatia where Kovac's team beat Mali in the last preparation game before the team left its homeland.
Defender Mathew Spiranovic has been on a verge of signing for Dinamo Zagreb but that never happened. Midfielder Oliver Bozanic is not the first in his family who wears Australia's jersey. His father was a Socceroo in the early 1980's.
Third goalkeeper Eugene Galekovic, who also has a Croatian name Josip and will celebrate his 33th birthday on the opening day of this World Cup, has strong Croatian roots. His first club was Chelsea Hajduk.
Mark Bresciano's surname might not sound as Croatian and it isn't. His father is Italian but Mark's mother is Croatian so that makes him fit for the Croatian group in the Australian camp.
There will be a lot of expectations from Croatians in the Swiss camp, too. Those expectations would've even been higher if Ivan Rakitic would have not picked Croatia as his team seven years ago.
There are still two Croatians under Ottmar Hitzfeld's command. Two forwards, 24-year old Mario Gavranovic from FC Zurich and 21-year old Josip Drmic from FC Nuernberg, will try to bring some joy to Swiss supporters.
The last team that has a Croatian among 23 players is Bosnia and Herzegovina. Defender Toni Sunjic comes from Mostar Cheap Air Max 270 , town on the border between Croatia and Bosnia and Herzegovina that was severely damaged during the war in the 1990s when Bosnians and Croatians were on the opposite sides. Now, Sunjic and his Bosnian teammates will try to make their countryman proud.
by Bedah Mengo
NAIROBI, Aug. 30 (Xinhua) -- So many houses are being built in Kenya's capital Nairobi and other parts of the East African nation, but Kenyans are not taking up mortgages to buy them as banks tighten their purses following introduction of interest caps.
New data from the Central Bank of Kenya show on Wednesday that uptake of home loans fell for the first time in a decade last year even as property developers stepped up construction of houses that include maisonettes, bungalows and apartments.
As of December 2016, there were 24 Nike Air Max 270 Womens Light Bone Sale ,085 mortgage loans in the market, down from 24,458 in 2015, a decrease of 1.5 percent due to tighter credit standards by commercial banks.
Kenya had 7,275 mortgage accounts in 2006, and they have been growing steadily to hit 24 Nike Air Max 270 Mens Light Bone Sale ,458 in 2015.
However, last year, uptake fell for the first time in many years with the apex bank blaming it on the introduction of rate caps.
"Commercial banks have introduced tighter credit standards so the actual mortgage disbursements have been lower than the increased demand. Most commercial banks have also shown preference to offer short-term loans as compared to long tenure mortgage loans," said the apex bank.
This is despite the fact that there is increased demand for mortgage loans due to perceived affordability after the introduction of interest capping law in September 2016.
There is also increased appetite for mortgages as more borrowers perceive that they can qualify for higher amounts.
Following the capping of interest rates, mortgage charges stood at an average of 13.5 percent and ranged between 11 percent and 18 percent as compared to 19 percent average with a range of 12 percent to 23 percent in 2015.
The majority of those who took up the home loans preferred those with fixed charges, according to the regulator.
About 62.1 percent of mortgage loans were on variable interest rates basis compared to 89.3 percent in 2015.
"There seems to have been more uptake of fixed rate mortgages by home owners after the introduction of interest capping law Nike Air Max 270 Womens Flyknit Sale ," noted the bank.
The average mortgage loan size, however, increased from 80,582 U.S. dollars in 2015 to 88,349 dollars in 2016 due to rise in property prices.
The value of mortgage loan assets outstanding rose from 1.9 billion dollars in December 2015 to 2 billion dollars in December 2016, representing a growth of 8.1 percent due to rise in house prices.
However Nike Air Max 270 Mens Flyknit Sale , even as the value of loans rose, the outstanding value of non-performing mortgages loans nearly doubled from 114 million dollars in 2015 to 213 million dollars in December 2016 reflecting poor performance.
"The non-performing loans (NPL) was 10 percent which was above the industry NPLs to gross loans ratio of 7 percent," said the central bank.
Besides tighter controls, banks listed low level of income, high incidental costs (legal fee, valuation fee and stamp duty) Nike Air Max 270 Womens Sale , high interest rate, lengthy process and high house prices as other obstacles keeping Kenyans away from mortgages.
Prices of houses that include bungalows and maisonettes rose during the period to average between 64,000 dollars and over 130,000 dollars respectively.
The prices have risen ten-fold since 2000, blocking thousands of potential buyers from the market, according to an April report by the World Bank.
While the central bank puts decline of home loans in 2016 at 1.5 percent Nike Air Max 270 Mens Sale , World Bank economists noted that mortgag. Cheap Bears Jerseys Cheap Vikings Jerseys Cheap Titans Jerseys Cheap Pittsburgh Steelers Jerseys Cheap Seattle Seahawks Jerseys Wholesale Redskin Jerseys Wholesale Los Angeles Rams Jerseys Wholesale Oakland Raiders Jerseys Wholesale New England Patriots Jerseys Wholesale New York Jets Jerseys