Tukilämmitysjärjestelmillä potentiaalia päästöjen ja kustannusten vähentäjinä

Tukilämmitysjärjestelmien liittäminen pääjärjestelmän rinnalle tai tueksi on yksi lämmityksen tehostamistavoista. Useita lämmitystapoja yhdistelevien hybridiratkaisujen lisääntyminen on kuitenkin – perinteistä puutakkaa ja leivinuunia lukuun ottamatta – ollut kiistattomista hyödyistään huolimatta hidasta. BCDC Energia -hankkeessa tekemämme tutkimus lisää ymmärrystä siitä, miksi tukilämmityshankintoja ei aina tehdä, ja auttaa löytämään keinoja vaikuttaa järjestelmähankintojen yleistymiseen.

Tilojen ja käyttöveden lämmityksen osuus on yli 80 prosenttia asumisen energiankulutuksesta Suomessa. Yhdessä liikkumisen ja ruokailun kanssa lämmitys on asia, jossa yksittäisellä kuluttajalla on mahdollisuus tehdä merkittäviä energiaa säästäviä ja päästöjä pienentäviä valintoja. Tehokas ja toimiva lämmitys tuo käyttökustannussäästöjä kotitaloudelle. Myös kansantalous voi hyötyä tuontienergian tarpeen pienentyessä.

Selvitämme osana BCDC Energia -hankkeen tutkimusta omakotitalorakentajien tukilämmitysjärjestelmävalintoja. Analyysimme pohjautuu 432 omakotitalorakentajan vuosina 2012–2014 tekemiin lämmitysvalintoihin.

Erityisen huomiomme kohteena on neljä tukijärjestelmätyyppiä, joista ilmalämpöpumppu on 44:ssä, aurinkokeräin 20:ssa, vesitakka 14:ssä ja aurinkopaneeli neljässä kodissa. Tarkastelun ulkopuolelle olemme rajanneet muut takkaratkaisut ja leivinuunit, joista ainakin jompikumpi löytyy lähes 90 prosentilta aineistomme kotitalouksista.

Miksi kotitaloudet hankkivat tai jättävät hankkimatta järjestelmän?

Aineistomme perusteella taloudellisten hyötyjen vaikutus on hankintapäätöstä tehtäessä kiistaton. Suurempi säästöpotentiaali ja näin ollen lyhyempi takaisinmaksuaika lisäävät investointihalukkuutta. Esimerkiksi ilmalämpöpumppu hankitaan sähkölämmitysjärjestelmän tueksi erityisesti juuri käyttökustannussäästöjen vuoksi. Toisaalta tukilämmitysjärjestelmien investointikustannukset ovat osalle myös hankinnan este.

Talon sijaintiin liittyvät asiat näyttävät vaikuttavan niin ikään hankintapäätöstä tehtäessä. Lisäksi kotitalouskohtaisilla tekijöillä, kuten nuoremmalla iällä, on jonkin verran merkitystä. Ympäristötietoisuus lisää hankinnan todennäköisyyttä, mutta ei yksistään riitä selittämään ostopäätöstä. Järjestelmäkohtaisissa vaatimuksissa on myös eroja.

Päälämmitysjärjestelmän valinta vaikuttaa jo itsessään tukilämmityshankintoihin. Maalämpöpumpun hankkinut kotitalous investoi huomattavasti harvemmin ei-puupohjaisiin tukilämmitysjärjestelmiin. Osa kotitalouksista on myös sitä mieltä, että maalämpöpumppu yksistään on riittävä. Muun muassa Teknologian tutkimuskeskuksen (VTT) DESY-hankkeen tulokset kertovat kuitenkin, että maalämpöpumppu voisi hyötyä etenkin aurinkoenergiajärjestelmien hankinnasta.

Tietämys lisää positiivista suhtautumista

Kotitaloudet suhtautuvat pääosin myönteisesti useita lämmitysmuotoja hyödyntäviin hybridiratkaisuihin. Erityisen positiivisesti suhtaudutaan aurinkokeräimiin ja -paneeleihin. Järjestelmään liittyvän tietämyksen kasvaessa suhtautuminen muuttuu entistä positiivisemmaksi. Ostamisen harkinnassakin on eroja: osa kotitalouksista vaatii enemmän todisteita hyödyistä ja toimivuudesta ennen kuin edes harkitsevat järjestelmää.

Kotitaloudet saavat lämmitysjärjestelmätietoa useiden eri lähteiden kautta. Tietoa hankitaan sähköisistä kanavista, mutta vuorovaikutus tuttavien kanssa on myös yleistä. Uuden omakotitalon rakentamista suunnittelevat käyttävät aikaa keskusteluihin asiantuntijoiden kanssa, messuihin ja alan aineiston läpikäyntiin. Eri kanavien yhteys tukilämmityshankintapäätökseen vaihtelee. Eritoten henkilökohtaiset kohtaamiset selittävät ostopäätöksiä.

Niin lämmitysjärjestelmät kuin asuintalotkin poikkeavat toisistaan. Järjestelmää hankittaessa tulee ottaa huomioon asuinalueen mahdolliset – kylläkin jo laajalti helpottuneet – lupatarpeet, vaikutukset naapurustoon ja paikallinen tuotantopotentiaali.

Kotitalouksille on tärkeää tehdä tehokkaita, yhteensopivia ja taloudellisia päätöksiä. Yleisesti puolueettomalle ja kansantajuiselle informaatiolle on suuri tarve.

Kuva: iStock

 

Kirjoittajat: Jouni Räihä ja Enni Ruokamo, BCDC Markkinat -tiimi

jouni räihä, enni ruokamo, bcdc energia, oulun yliopiston kauppakorkeakoulu, suomen ympäristökeskus, tukilämmitysjärjestelmät, lämmitys, omakotitaloJouni Räihä on tutkimusassistentti Oulun yliopiston kauppakorkeakoulussa.
jouni.raiha(a)oulu.fi



 

 

jouni räihä, enni ruokamo, bcdc energia, oulun yliopiston kauppakorkeakoulu, suomen ympäristökeskus, tukilämmitysjärjestelmät, lämmitys, omakotitaloEnni Ruokamo on tutkija, tutkijatohtori Oulun yliopiston kauppakorkeakoulussa ja Suomen ympäristökeskuksessa.
enni.ruokamo(a)oulu.fi

 

 

 

Blogiartikkeli on julkaistu 26.8.2019 BCDC Energia -tutkimushankkeen verkkosivuilla.


 

 

Last updated: 2.9.2019

Comments

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Happiness is all i see now I never thought that I will be cured from HERPES virus again. I have been suffering from a deadly disease (HERPES) for the past 3 years now, I had spent a lot of money going from one places to another, from churches to churches, hospitals have been my home every day residence. Constant checks up have been my hobby not until this faithful day, I was searching through the internet, I saw a testimony on how DR agaba helped someone in curing his HERPES disease, quickly I copied his email which is Dragabasolutionhome@gmail.com just to give him a test I spoke to him, he asked me to do some certain things which I did, he told me that he is going to provide the herbal cure to me, which he did, then he asked me to go for medical checkup after some days after using the herbal cure, behold I was free from the deadly disease, he only asked me to post the testimony through the whole world, faithfully am doing it now, please brothers and sisters, he is great, I owe him in return. if you are having a similar problem just email him on : Dragabasolutionhome@gmail.com or WhatApp: +2349074536486

Happiness is all i see now I never thought that I will be cured from HERPES virus again. I have been suffering from a deadly disease (HERPES) for the past 3 years now, I had spent a lot of money going from one places to another, from churches to churches, hospitals have been my home every day residence. Constant checks up have been my hobby not until this faithful day, I was searching through the internet, I saw a testimony on how DR agaba helped someone in curing his HERPES disease, quickly I copied his email which is Dragabasolutionhome@gmail.com just to give him a test I spoke to him, he asked me to do some certain things which I did, he told me that he is going to provide the herbal cure to me, which he did, then he asked me to go for medical checkup after some days after using the herbal cure, behold I was free from the deadly disease, he only asked me to post the testimony through the whole world, faithfully am doing it now, please brothers and sisters, he is great, I owe him in return. if you are having a similar problem just email him on : Dragabasolutionhome@gmail.com or WhatApp: +2349074536486

Joy and happiness is all i see around ever since i came in contact with this great man. i complained bitterly to him about me having herpes only for him to tell me it’s a minor stuff. He told me he has cured thousands of people but i did not believe until he sent me the herbal medicine and i took it as instructed by this great man, only to go to the hospital after two weeks for another test and i was confirmed negative. For the first time in four years i was getting that result. i want to use this medium to thank this great man. His name is Dr aziegbe, i came in contact with his email through a friend in UK and ever since then my live has been full with laughter and great peace of mind. i urge you all with herpes or HSV to contact him if you willing to give him a chance. you can contact him through this email DRAZIEGBE1SPELLHOME@GMAIL .COM or you can also WhatsApp him +2349035465208 He also cured my friend with HIV and ever since then i strongly believe he can do all things. Don't be deceived thinking he does not work, i believe if you can get in contact with this man all your troubles will be over. i have done my part in spreading the good news. Contact him through his email and you will be the next to testify of his great work. https://draziegbeherbalhome.webs.com/

Hi everyone I'm Olivia Hannah and am here to share the wonderful work Dr Raypower did for me. After 5 years in marriage with my husband with 2 kids, my husband started acting weird and going out with other ladies and showed me cold love, on several occasions he threatens to divorce me if I dare question him about his affair with other ladies, I was totally devastated and confused until a old friend of mine told me about a spell caster on the internet called Dr. Raypower who help people with relationship and marriage problem by the powers of love spells, at first I doubted if such thing ever exists but decided to give it a try, when I contact him, he helped me cast a love spell and within 48hours my husband came back to me and started apologizing, now he has stopped going out with other ladies and his with me for good and for real. Contact this great love spell caster for your relationship or marriage problem to be solved today via email: Urgentspellcast@gmail.com or Urgentspellcast@yahoo.com or Call or WhatsApp: +14243308109.  Read more about him on his website: http://urgentspellcast.website2.me/

Hi everyone I'm Olivia Hannah and am here to share the wonderful work Dr Raypower did for me. After 5 years in marriage with my husband with 2 kids, my husband started acting weird and going out with other ladies and showed me cold love, on several occasions he threatens to divorce me if I dare question him about his affair with other ladies, I was totally devastated and confused until a old friend of mine told me about a spell caster on the internet called Dr. Raypower who help people with relationship and marriage problem by the powers of love spells, at first I doubted if such thing ever exists but decided to give it a try, when I contact him, he helped me cast a love spell and within 48hours my husband came back to me and started apologizing, now he has stopped going out with other ladies and his with me for good and for real. Contact this great love spell caster for your relationship or marriage problem to be solved today via email: Urgentspellcast@gmail.com or Urgentspellcast@yahoo.com or Call or WhatsApp: +14243308109.  Read more about him on his website: http://urgentspellcast.website2.me/.

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This is my testimony I really want to thank Dr Aluta for saving my marriage. My husband really treat me bad and left home for almost 3 month.this got me sick and confuse. then i told my friend about my husband characters then she told me to contact Dr Aluta that he will help me bring back my husband and change him back to a good man. i never believe in all this but i gave it a try. They casted a spell of return back of love on him, and my husband came back home for forgiveness and today we are happy again.if you going through any relationship stress or you want back your Ex or Divorce husband you can contact email on traditionalspellhospital@gmail.com Thanks whatapp +2348158452872

i'am from New York USA I'm here to share my Testimony on how DR,Zaza helped me put an end to my divorce issue and restore my marriage again, because i never wanted it to happen. i don't know what came over my husband that he was filling for divorce, i tried to talk him out of it when he told me and he didn't listen to me, i had no other option than to seek for the help of a spell caster and now am glad i did. Because if not for the help of spell, i don't know what would have become of me by now because i loved my husband so much that i couldn't stand loosing him. Thank Dr.Zaza for helping me Contact DR ZAza for help via email templeoflive@gmail.com or add him on whatsapp +2349065034447

hello, I am becky morgan After being in relationship with Anderson for years, he broke up with me, I did everything possible to bring him back but all was in vain, I wanted him back so much because of the love I have for him, I begged him with everything, I made promises but he refused. I explained my problem to my friend and she suggested that I should rather contact a spell caster that could help me cast a spell to bring him back but I am the type that never believed in spell, I had no choice than to try it, I mailed the spell caster, and he told me there was no problem that everything will be okay before three days, that my ex will return to me before three days, he cast the spell and surprisingly in the second day, it was around 4 pm. My ex called me, I was so surprised, I answered the call and all he said was that he was so sorry for everything that happened that he wanted me to return to him, that he loves me so much. I was so happy and went to him that was how we started living together happily again. Since then, I have made promise that anybody I know that have a relationship problem, I would be of help to such person by referring him or her to the only real and powerful spell caster who helped me with my own problem. email: {drgodfathercure@gmail.com or what's app +2347062606817} you can email him if you need his assistance in your relationship or any other Case. 1) Love Spells 2) Lost Love Spells 3) Divorce Spells 4) Marriage Spells 5) Binding Spell 6) Breakup Spells 7) Banish a past Lover 8.) You want to be promoted in your office/ Lottery spell 9) want to satisfy your lover Contact this great man if you are having any problem for a lasting solution through {drgodfathercure@gmail.com or whats app him on +2347062606817

I'm so excited my broken Marriage has been restored my ex husband is back after he left me and our 2kids for another woman. i was so happy to met Dr. OKu how he help many people to bring there Lover back so i contact him to help me too. that was how Dr. Oku help me to bring my husband back.. A big thank to you Dr. Oku because I never thought my ex Husband will be back to me so quickly with your spell. You are the best and world greatest. if you are here and you need your Ex Lover back or your husband moved to another woman, do not cry anymore, contact this powerful spell caster now. Here’s his contact: Email him at: okutemple@gmail.com You can also Call/WhatsApp:+2347053113465

God bless Dr.Ajayi for his marvelous work in my life, I was diagnosed of HERPES since 2015 and I was taking my medications, It wasn't working, i needed to get the HERPES out of my system, I searched about some possible cure for HERPES i saw a comment about Dr.Ajayi how he cured HERPES with his herbal medicine, I contacted him and he guided me. I asked for solutions, he started the remedy for my health, he sent me the medicine through UPS SPEED POST. I took the medicine as prescribed by him and 7 days later I was cured from HERPES,thank you dr.  You call equally contact him today via his Email Greatspellhelp@yahoo.com or whatsApp +13235299952.   he can also cure HIV/AIDS, DIABETES, KIDNEY, GRAVES DISEASE, HEPATITIS, CANCER, HSV UNABLE TO PRENA, ALOPECIA,FIBRO,FATIGUE  .

My name is Jessica Funk Am here to testify what this great spell caster done for me. i never believe in spell casting, until when i was was tempted to try it. i and my husband have been having a lot of problem living together, he will always not make me happy because he have fallen in love with another lady outside our relationship, i tried my best to make sure that my husband leave this woman but the more i talk to him the more he makes me fell sad, so my marriage is now leading to divorce because he no longer gives me attention. so with all this pain and agony, i decided to contact this spell caster to see if things can work out between me and my husband again. this spell caster who was a woman told me that my husband is really under a great spell that he have been charm by some magic, so she told me that she was going to make all things normal back. she did the spell on my husband and after 5 days my husband changed completely he even apologize with the way he treated me that he was not him self, i really thank this woman her name is Dr ORMAN he have bring back my husband back to me i want you all to contact him who are having any problem related to marriage issue and relationship problem she will solve it for you. her email is dr.orman980@yahoo.com . wish you good time. He cast spells for different purposes like (1) If you want your ex back. (2) if you always have bad dream (3) You want to be promoted in your office. (4) You want women/men to run after you. (5) If you want a child. (6) You want to be rich. (7) You want to tie your husband/wife to be yours forever. (8) If you need financial assistance. (9) HIV/AIDS CURE Contact him today on: dr.orman980@yahoo.com or WhatsApp him on +905398102247

REAL AND POWERFUL LOVE SPELL THAT WORK FAST AND EFFECTIVELY https://ancientspiritspellcast12.wordpress.com Hello everyone i know there is someone somewhere reading this,My name is Dena Cruz from Leicester city,England,I want to share a great work of a spell caster called Priest Ade my husband and i had a fight which led to our divorce but when he left me a part of me left with him and i was to sad and cried all day and night i was searching something online when i saw people testifying about his great work and i just decided to give him a try i did everything he told me to do and he assured me that after 24 hours my husband will come back to me,the next morning to my greatest surprised a car stopped outside my house and it was my husband i'm so happy he can also help you email him at ancientspiritspellcast@yahoo.com or ancientspiritspellcast@gmail.com   Blog: https://priestade.blogspot.com Website http://ancientspiritspellcast.website2.me WhatsApp +2347059715465

Just wanna say a big thank you Neme Amber for introducing me to Dr Emmanuel the great HERBALIST that helped me prepare home remedies that cured my herpes (HSV 2). I was infected with HSV 2 for the past two years and i was unable to get a better job cos all the company i was to get employed checked our blood test and found out that i was positive to GENITAL HERPES and i loosed employment. So i was desperate to get a cure so that i can live normal and get my job training. i earlier made some research and i contacted some doctors online but they keep on asking for money for courier after that they'll tell you that tax and so more so i became broke and frustrated. One day i was less busy so i decided to make latest research on herpes cure and i found a site  were everyone was talking about DR Emmanuel and herbs ability to cure herpes. So i discussed with Neme Amber and she explained to me that its very easy working with Dr Emmanuel so i contacted DR Emmanuel via email ( nativehealthclinic@gmail.com ) and he helped me just as he has helped others now im cured and different medical centers has tested me and approved me cured. so i decided to thank Neme Amber cos she made it possible for me. and i can also assure you that he can also help you. so if you need the service of DR emmanuel, ill put his details here so that you can easily get in touch wif him. his email: nativehealthclinic@gmail.com or WhatsApp him at +2348140073965. instagram ig:@dremmanuel2 my Name is Grace from US,once again thanks to Neme Amber. im fucking hapy....  

All thanks to Dr GODFATHER for bring back my EX, my name is BECKY MORGAN, I never thought I will smile again, My husband left me with two kids for one year, All effort to bring him back failed I thought I'm not going to see him again not until I met a lady called rose who told me about a spell caster called DR GODFATHER, She gave me his email address and mobile number and I contacted him and he assured me that within 48hours my husband will come back to me, In less than 48hours my husband came back started begging for forgiveness saying it is the devils work, so I'm still surprise till now about this miracle,i couldn't conceive but as soon as the spell was cast,i became pregnant and gave birth to my third child,if you need any assistance from him you can contact him via:email: drgodfathercure@gmail.com or WhatsApp or call him now: +2347062606817, GOD BLESS DR GODFATHER FOR HIS GOOD WORK

i want to testify about the great spell caster called Dr Azuka my husband and i have been married for 5 years now we don't have a child and the doctor told us i can't give birth because my womb have been damaged due to wrong drugs prescription this got me so worried and my husband was not happy so he decided to get married to another girl and divorce me i was so sad i told my friend about it she told me about a powerful spell caster she gave me his email address well i never believe in it that much though i just decided to give him a try and he told me it will take 24hrs to get my husband back to me and i will get pregnant i doubted him the 3rd day my husband came back to me and was crying he said he didn't want the divorce anymore 3 weeks after the doctor confirmed that i was pregnant he can also help you contact him via email: Dr.azukasolutionhome@gmail.com What’s app or call: +44 7520 636249‬

Greetings to everyone reading this testimony, I am Dan Morgan, i am here to testify of a great man who was able to cure me permanently from herpes Disease just with his herbal medicine,i have been herpes Positive for 5 years before i came across Dr voodoo Email on the internet on how he has been using his herbal medicine to treat and cure patients from different virus, so i contacted him and i explain to him concerning my problem, i followed up with the instructions he gave me and he urge me to have faith in his words that he was going to restore my health back, after some couple of days Dr voodoo sent me some medicine which he gave me prescription on how to take for 2 weeks, to make the long story short, I have been confirmed Negative from my recent test in the hospital, just within 2 weeks Dr voodoo was able to make me healthy and see reasons to live again, though science says there is no cure, i believe God has sent this great man to save people, you can all contact him for his medicine, he has presently been treating diseases like,CANCER,BLOOD DISEASE,DIABETES,HIV,TYPHOID, and many others, you can contact this man on voodoospelltemple66@gmail.com.or add him on whatsApp +2348140120719, God Bless you sir!

Hello i'm so happy sharing this,I still can't thank you enough powerful Priest Ade,My husband left  for a younger lady because i was unable to give birth due to PCOS,I was so devastated i was lonely i cried a lot i even tried taking my life, Then my friend told me about this great man Priest Ade who helped her made her marriage perfect,I also went online and did more research about him i was not too sure but i decided to give him a try he told me not to worry everything was going to be alright,He told me all i needed to pay which was a convenient fee and i did and he did his work and sent me video proof and told me to wait 24hrs that he will be back,The next morning to my greatest surprise it was shawn my husband on his knees begging i'm so happy,It didn't stop there,I'm proud to say that i'm 3 weeks pregnant thank you so much Priest Ade i'm forever grateful  ancientspiritspellcast@yahoo.com or ancientspiritspellcast@gmail.com  https://ancientspiritspellcast12.wordpress.com Blog: https://priestade.blogspot.com Website http://ancientspiritspellcast.website2.me WhatsApp +2347059715465

Hello i'm so happy sharing this,I still can't thank you enough powerful Priest Ade,My husband left  for a younger lady because i was unable to give birth due to PCOS,I was so devastated i was lonely i cried a lot i even tried taking my life, Then my friend told me about this great man Priest Ade who helped her made her marriage perfect,I also went online and did more research about him i was not too sure but i decided to give him a try he told me not to worry everything was going to be alright,He told me all i needed to pay which was a convenient fee and i did and he did his work and sent me video proof and told me to wait 24hrs that he will be back,The next morning to my greatest surprise it was shawn my husband on his knees begging i'm so happy,It didn't stop there,I'm proud to say that i'm 3 weeks pregnant thank you so much Priest Ade i'm forever grateful  ancientspiritspellcast@yahoo.com or ancientspiritspellcast@gmail.com  https://ancientspiritspellcast12.wordpress.com Blog: https://priestade.blogspot.com Website http://ancientspiritspellcast.website2.me WhatsApp +2347059715465

2019 GOOD AND RELIABLE LOVE SPELL TO BRING BACK EX LOVER URGENTLY CALL/WHATSAPP +2348118829899 OR EMAIL infinitylovespell@gmail.com My name is Luisa Ryan from Germany, I and my husband have been married for 10 years and we have 3 lovely kids, my husband was always busy with work but when ever it is weekend he always take me and our kids out for dinner and sometime we go shopping together because the kids like to buy things, our family was happy until my husband went on a business trip, when he came back he started acting strange he didn't have time for me and the kids anymore, last month he told me that he is tired of our marriage that he want a divorce at first I thought he was joking until he packed out of the house leaving me and the kids alone, I was heartbroken I couldn't eat for days I cried and cried and the kid were always asking for their dad and I do lied to them, I couldn't take it anymore I decided to search on how to get him back I came across Dr Great email I didn't want to email him at first but knowing am losing my husband I emailed him and explained my problem to him, he replied my mail and told me that he will help me it's will take 24 hrs to cast the spell, after he finished casting the spell he told me my husband will soon be back, few hours later my husband came back home begging and I forgive him now we are living happily together, all thanks to Dr Great for saving my marriage. If your husband or wife left you and you want him or her back the right man to bring them back is Dr Great he is a good man he is a messager send by God to help us in time of problems he can put a stop to your problem email him at infinitylovespell@gmail.com or infinitylovespell@yahoo.comWhatsApp him +2348118829899 check out his website http://infinitylovespell.website2.me/ or blog http://infinitylovespell1.blogspot.commy blogs http://luisaryan35.blogspot.com/

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Selamat siang untuk semuanya, nama saya Steven Nesty Binti, saya ingin membagikan kesaksian hidup saya yang sebenarnya di sini di platform ini agar semua pencari pinjaman berhati-hati dengan pemberi pinjaman di internet Setelah beberapa lama mencoba mendapatkan pinjaman dari lembaga keuangan, dan terus ditolak, saya memutuskan untuk mengajukan pinjaman online tetapi saya ditipu dan kehilangan Rp10,7 juta, untuk seorang pria di Afrika. Saya menjadi sangat putus asa dalam mendapatkan pinjaman, sehingga saya berdiskusi dengan teman saya Bu Tieka Melawati (tiemelaw@gmail.com) yang kemudian memperkenalkan saya dengan Bu Deborah, Manajer Kantor Pinjaman AVANT, sehingga teman saya meminta saya untuk memproses pinjaman saya dengan Nyonya Deborah. Jadi saya menghubungi Bu Deborah melalui email: (avantloanson@gmail.com) dan juga di WhatsApp: +6281334785906 Saya mengajukan pinjaman Rp 380 juta dengan tingkat bunga 2%, sehingga pinjaman disetujui dengan mudah tanpa tekanan dan semua persiapan dilakukan dengan transfer kredit, karena tidak memerlukan jaminan dan jaminan untuk pengalihan pinjaman tersebut, Saya diberitahu untuk mendapatkan sertifikat perjanjian lisensi untuk mentransfer kredit saya dan dalam waktu kurang dari satu setengah jam, uang pinjaman saya dimasukkan ke rekening bank saya. Saya pikir itu bercanda sampai saya menerima telepon dari bank saya bahwa rekening saya sudah dikreditkan Rp380 juta. Saya sangat senang akhirnya Tuhan menjawab doa-doa saya dan Dia telah memberikan keinginan hati saya. Semoga Tuhan memberkati Bu Deborah untuk memberikan kehidupan yang adil bagi saya, maka saya menyarankan siapapun yang berminat untuk mendapatkan pinjaman dapat menghubungi Bu Deborah melalui email: (avantloanson@gmail.com) atau via WhatsApp: +6281334785906 untuk pinjaman Anda Akhirnya, saya ingin mengucapkan terima kasih kepada Anda semua karena telah meluangkan waktu untuk membaca kesaksian sejati hidup saya tentang kesuksesan saya dan saya berdoa kepada Tuhan untuk melakukan kehendak-Nya dalam hidup Anda. Anda dapat menghubungi saya untuk informasi lebih lanjut melalui email saya: (nestybintisteven@gmail.com) Salam

Selamat siang untuk seluruh WNI dan juga seluruh ASIA, nama saya Bu Nurliana Novi, saya ingin membagikan testimoni hidup saya di sini pada platform ini untuk semua WNI dan seluruh asia agar berhati-hati dengan pemberi pinjaman di internet, Allah benar-benar mendukung saya melalui ibu. Ibu Elina yang baik Setelah beberapa periode mencoba mendapatkan pinjaman dari lembaga keuangan, dan ditolak terus-menerus, jadi saya memutuskan untuk mendaftar melalui pinjaman online tetapi saya ditipu dan saya kehilangan Rp 15.000.000 dengan pemberi pinjaman yang berbeda. Saya putus asa untuk mendapatkan pinjaman, jadi saya berdiskusi dengan teman saya yang kemudian mengenalkan saya kepada Bu Elina, yang merupakan pemilik perusahaan peminjaman global, jadi teman saya meminta saya untuk melamar ke Bu Elina, jadi saya menyimpulkan keberanian dan menghubungi Nyonya Elina. Saya mengajukan pinjaman sejumlah Rp500.000.000 dengan tingkat bunga 2%, sehingga pinjaman disetujui dengan mudah tanpa stres dan semua pengaturan dilakukan pada transfer kredit, karena tidak memerlukan jaminan dan jaminan untuk pinjaman transfer Saya hanya diberitahu untuk mendapatkan sertifikat perjanjian lisensi aplikasi Mereka untuk mentransfer kredit saya dan dalam waktu kurang dari dua jam uang pinjaman telah disimpan ke rekening bank saya. Saya pikir itu adalah lelucon sampai saya menerima telepon dari bank saya bahwa rekening saya dikreditkan dengan jumlah Rp500.000.000. Saya sangat senang bahwa ALLAH akhirnya menjawab doa saya dengan memesan pinjaman saya dengan pinjaman asli saya, yang telah memberikan saya keinginan hati saya. Mereka juga memiliki tim ahli yang akan memberi tahu Anda tentang jenis bisnis yang ingin Anda investasikan dan bagaimana menginvestasikan uang Anda, sehingga Anda tidak akan pernah bangkrut lagi dalam hidup Anda. Semoga ALLAH memberkati Bunda Elina yang telah membuat hidup saya mudah, jadi saya menyarankan siapapun yang berminat untuk mendapatkan pinjaman silahkan hubungi Bu Elina via email: elinajohnson22@gmail.com untuk pinjaman anda Ada perusahaan palsu online lain yang menggunakan kesaksian saya untuk mencapai keinginan egois mereka, saya satu-satunya dengan kesaksian yang benar ini, ketika Anda menghubungi kemudian meminta mereka untuk bukti pembayaran ke ibu`` tolong hati-hati orang-orang ini oke Akhir kata saya ucapkan terima kasih kepada kalian semua yang telah meluangkan waktu untuk membaca kesaksian hidup saya yang sebenarnya tentang kesuksesan saya dan saya berdoa Tuhan akan melakukan kehendak-Nya dalam hidup Anda.Satu lagi nama saya mrs nurliana novi, Anda dapat menghubungi saya untuk informasi lebih lanjut melalui email saya: nurliananovi96@gmail.com

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Assalamualaikum Warahmatullahi Wabarakatuh Data pribadi negara: Indonesia Nama:Queen Jamillah Alamat: Nusa Lembongan Telepon:+62 856-9328-4991 WhatsApp:+62 856-9328-4991 https://twitter.com/queen_jamillah e_mail: queenjamillah09@gmail.com Sudah dua tahun sekarang saya telah memberikan kesaksian tentang bagaimana saya meminjam 700 juta dari Perusahaan Pinjaman Iskandar Lestari dan beberapa orang meragukan saya karena tingkat penipu online saya dapat membuktikan kepada Anda semua bahwa Bunda Iskandar bukan pemberi pinjaman yang curang. telah memberi saya satu hal lagi untuk tersenyum karena setelah menyelesaikan angsuran bulanan pinjaman yang saya pinjam sebelum saya memohon kepada ibu bahwa saya ingin pergi untuk ekspansi bisnis saya lebih lanjut sehingga saya menyerahkan 2,7 miliar setelah melalui proses hukum saya transaksi telah disetujui oleh otoritas dan dalam waktu tiga hari proses hukum untuk menyalurkan pinjaman saya ke rekening Bank Rakyat Indonesia saya dicapai dengan mudah. Saya tidak memiliki tantangan dengan Bank Indonesia karena Ms. Iskandar dan tim Manajemen dari ISKANDAR LESTARI LOAN COMPANY telah dianggap sebagai pemberi pinjaman yang sah sehingga tidak ada masalah sama sekali untuk bantuan keuangan, hubungi Pemberi Pinjaman ISKANDAR hari ini e_mail: [iskandalestari.kreditpersatuan@gmail.com] Waalaikumsalam Warahmatullahi Wabarakatuh.

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