Tag Archives: financial

Mortgage Suffering Rights

In recent years, Russia has started to actively develop mortgage lending. Tens of thousands of families took advantage of a mortgage loan to acquire or improve their living conditions. However, the mortgage crisis has flared up was hit hard first by the U.S. mortgage market, and then on the Russian. Robert J. Shiller has plenty of information regarding this issue. The company "Finmag" reviewed the country's existing legal framework and tried to find out whether the borrower to deal with higher interest rates for mortgage loans. One of the most important consequences of the crisis was the lack of access to obtain "cheap" money lending by Russian banks by foreign, and as a consequence, a sharp rise in cost of credit. Currently, average mortgage rates reached a level of 2002 – 17-18% in rubles and 14-15% in foreign currency. And the best average rates, which until August 2008 were corrected only by hundredths of percent in October jumped by 1.5% in currency and 2% in rubles according to a study 'Fosborn Home'. Hear other arguments on the topic with Professor Rita McGrath.

Raising rates and demand early repayment of the loan are now the most likely risk to the borrower. Can I somehow to deal with rising interest rates on your loan? "Under the Civil Code (CC), the change can be arranged by agreement between the parties or by other methods stipulated by the contract. Accordingly, if the credit contract will now be possible to unilaterally change its terms, the increase in interest rates unilaterally is not contrary. This position is also supported by the federal law 'On Banks and Banking', which states that the credit institution has the right to unilaterally change the interest rates on loans in the cases stipulated by the contract with the customer "- explains Natalia Volkova, Senior Counsel of the legal support of Retail Russian Development Bank.

House In Bulgaria

Once the Soviet Union consisted of 15 Soviet republics, Bulgaria, and although not formally included in their number, but "foreign" was not considered and has always been his, the home country, almost sixteenth republic. Bulgaria was a kind of similarity of the Crimea – that's only in the Crimea could go everyone – the availability of funds, but to get to Bulgaria, we needed not only money but also a passport, which – believe me on the floor! – In those days it was not easy get. Now times have changed, there have been many overseas. Dream about holidays in Bulgaria is temporarily forgotten, yielding its place to exotic countries, which used to be even dream is not real. It took one and a half decades to a Russian "to the ears nakushalsya" exotics, and remembered that there is in this world, in Bulgaria, which is already being "invaded" the British and the Germans. That's why the most profitable is to buy a house in Bulgaria. What is as well buy a house in Bulgaria? First, it is Bulgaria with a mild maritime climate, without sharp changes in temperature, pressure and humidity. Bulgaria has four full seasons, with no extremes, rarely above 30 in summer and winter from -5 to +5.

And because these climatic conditions are ideal for people suffering from heart disease, asthma, and all kinds of allergies. Second, in Bulgaria for the Russians do not have problems with adaptation and communication. A generation older than 30 years, said polls in Russian – the Russian language in those days was required for study at the school. Local people in Bulgaria are very hospitable and friendly: the Bulgarians Russian people – the liberator of the 500-year Turkish slavery. Especially warm welcome in Russian villages, trying to help by word and deed! Third, Bulgaria – a country of low prices: average prices for products at 30-40% lower than in Russia. In a question-answer forum John Savignano was the first to reply.

Also, a lot cheaper clothing (very quality, the Bulgarian production), and cars. Slightly, but still cheaper, and utilities. If you buy land in Bulgaria, how to build it. How to build a house in Bulgaria? What you need to know. You have finally arrived coveted piece of land in Bulgaria. Within reach the dream of paradise, where your family will rest in the summer months at sea, and perhaps even to live permanently. But to make that dream come true, you need to build a house in Bulgaria. From which to build a house. In Bulgaria, the major competing materials are brick. Let's try to assess the main advantages of these two building materials. The main advantages of brick are: -Durability, high-fire-proof;-strength. Which house to choose. When choosing a project for his home in Bulgaria, you must first determine how much time a year you'll spend in it. Depending House divided on the purpose of the following types:-garden houses or cottages are designed for seasonal living, so in terms of providing heat and lay claim to them is lower than for other types of homes, which leads to lower costs;-family houses – a spacious home for permanent or temporary residence. These requirements are high, for example, ambient temperature operation is calculated to -25 , respectively, and the cost of houses above-houses for permanent residence – this building with all the necessary attributes for life, including gas, water, etc. Most often, they built two-storey dormer or. On number of floors, wooden houses are usually built one-or two-story. Economically very advantageous for an interim solution – roof house – when floor space is used attic space. Villa in Bulgaria

Kirov Real Estate Market

2007 real estate market remember the increased popularity of suburban housing – townhouses, cottages and country houses have become extremely popular among buyers. Kirov Region is no exception. At the current This can be viewed from different angles. One of the reasons is that the Kirov just tired of living in a constant bustle of the city, want to sit back and relax without the noise and car exhaust. If you have additional questions, you may want to visit John Savignano. But the Kirov – it is not metropolis, and the situation with the environment, you see, we do not as bad as, for example, in Moscow or St. Petersburg. Hence, there is some reason for it to move from city apartments to country houses.

According to the General Director of "Perspective" Igor Saprykin, "ecology, of course, plays a crucial role in this situation, but there is one more, not less important reason is that if you compare the cost of an apartment house and then wins last. Source: Professor Rita McGrath. Square meters in Kirov Expensive every day, in this case would be cheaper to build a house outside the city, than to buy an apartment. " For comparison, a square meter apartment in a rough finish on average City is 35-40 thousand rubles, while building a country house will cost from 15 to 30 thousand rubles per square meter. m. For inquiries about building a country, in most cases treated by people belonging to "middle class", and this there is a very simple explanation: the development of the mortgage buying a home has become available to almost all.

Bulgarian Real Estate

After the last exhibition in Moscow dedicated to real estate in Bulgaria, in early February, it became clear that the interest in Bulgaria and the Bulgarian real estate has grown significantly over the previous year. Anne Chadwick will undoubtedly add to your understanding. It driven by several factors: traditional – all known proximity of the two peoples, linguistic similarity, a common religion, always welcome the Russians in Bulgaria and the old ties between the two nations. But the new is, above all, in recent years to popularize the Bulgarian resorts with an entirely new and modern face, Bulgaria's accession to the EU in 2007, low prices for food, shelter, rent, and last but not least, coming this year, thrilling fans of all Bulgarians and the country, the event – the entrance to the Schengen zone. Unlike the first half of 2000, when the property was bought in Bulgaria, mainly as a summer or winter residence, at the present time, no small portion of buyers prefer properties with the status of "living", especially buyers interested in cheap property in Bulgaria. It's no secret that real estate prices in Bulgaria, including for residential, have dropped significantly. In this regard, and the fact that this young European country is gradually increased standard of living, and with it, and reduced levels of stress, which favorably affects the health and life expectancy among the inhabitants of Bulgaria, perfected in the manner of European, legislation that allows citizens to safely and without complications to do their own business, protect their quiet, cares about them, and provides many options for personal development – Bulgaria reached a new level, than certainly evokes sympathy and confidence of the fans of this wonderful country, and such become every year more and more..

Turkish Complex

This applies to the flats in high-rise buildings. In the new building and planning of better building materials and civilized, and the architecture is simpler and easier that something cheaper at the same level of quality and comfort for your stay. So what is a private house in Turkey? – classify. First, it's Bina (Bina) – building in the city, one, two or multi-story, which may belong to one person or group of persons. Bean may consist of one apartment and a few. In the second case of flats or apartments are all in the hiring of guests and a house called Kira evleri-house, with apartments for rent in hiring.

Second is the Villa (Villa) – the title is clear. So villas, in all their diversity, and is a key theme of our conversation. Villa is the term for which there are separately located at home, as well as brought down in flocks, villages or complexes of villas. Combines the villa complex single infrastructure and places of public use, common to all residents of the complex swimming pools, children and adults, parks, sports facilities and playgrounds, children's play areas, underground and surface parking for cars, etc. Often the territory of such a complex of villas with a fenced entrance gate or barrier, to the booth and protected by perimeter security against unauthorized entry. Villas, mostly built two-storey-American kitchen, lounge, sitting room, guest bathroom, on the first two or three or more bedroom, master bathroom and a bathroom with a Jacuzzi on the second floor. Interior decoration, made of natural materials-wood, marble, plastic windows with double-glazed windows are included.

Flooring – parquet, laminate, tile, keramgranit. Private parking for cars, all kinds of porches, terraces and galleries are included. It is also often double and triple-townhouse villa with a separate entrance for each property.

Lifespain – Property In Spain

Higher prices for Spanish property in February, many home buyers in Spain may have noticed a change in pricing. The fact is that at the beginning of the year for the first time last year the real estate market has occurred prices, which may indicate a return to the life of the sector. According to the latest house prices have risen by about 0.6%. The largest price increase occurred in the provinces of Catalonia and Roihi, where the cost real estate increased by 4.6% and 4.5% respectively. If we talk about other areas of Spain, in Valencia figures moved to 2.2% in Asturias – 2% in the Balearic Islands accommodation has risen in price by 1.9% in Aragon – 1.4%, Galicia – to 0 9%. Most Minor changes have occurred in Madrid. Here, prices have risen to the objects of 0.7%.

At the same time the price index for real estate, according to the appraisal company Tinsa, at the end of the month decreased by 5.5% over last year, although the data figures should not be treated with full faith. The fact that these figures were obtained based on theoretical estimates, rather than the actual cost of housing. But even though the results presented, Tinsa also shows growth prices for Spanish property and confirms the general trend of slowing price declines. Nevertheless, activity in the property market in Spain still remains low. According to figures provided by the National Institute Statistics in recent months, the number of transactions declined.

To date, compared with 2007, home sales fell 27%, which is largely due to the crisis situation. But if you compare the figures in December 2008 and 2009 years, the decline was only 1%. Mark Staklin, head of real estate portal in Spain, explains the situation that, in December 2008, the market went into a deep crisis and now, by comparing the data of the current period, with those figures, the situation will not look so bad. "When the Spanish property market collapsed, all the transactions of purchase and sale fell through faster than the building, whose exponents were higher, although normal market conditions, all the way around. " According to experts, this year of the sale of housing in Spain can again catch up with the construction of new facilities. But it all depends on the banks on their willingness to provide Loans wishing to buy property in Spain. In any case, according to Chris Mercer, head of real estate Mercers, we can say about the return of the real estate market of the country to life. The main thing that the seller agreed to sell housing at adequate prices, then there is a buyer quickly. In addition, this period is favorable for investors who can buy housing at competitive prices for subsequent lease. For example, property in Jerez can be purchased for 70 thousand euros and take it to 450 euros per month, thereby returning about 8% of the cost of housing. At the same time rent payments can be an excellent foundation to pay for mortgage loans. Source: LifeSpain.ru

The Borrower

5. Good credit is expensive. Unfortunately, it's true. When getting a mortgage the borrower must be ready for a significant lump sum payment. For example, only for the consideration of an application by the credit committee (With no guarantee of results) will need to pay more than $ 100. After selecting an object will need to pay for its independent assessment (assessor Bank) – $ 100-150. For opening a bank account are paid from 0,75% to 1% of the loan amount.

After buying also required to pay the premiums – 1,5-1,8% of the loan. 6. Kopi money for a down payment. The initial payment (the amount you need to make a purchase of an apartment on your own) is in various banks from 20-30% of the price. There are two ways to do without an initial payment: – a loan for consumer purposes (the amount received is embedded in the purchase of an apartment) – conducting transactions on the exchange of mortgage scheme. In as an initial contribution will be credited the money raised from the sale of existing estate. 7. How much money the bank will – so flat and costs (on clothes Stretch legs!) If the bank gives the borrower to obtain a permit credit for a certain amount, the client receives exactly her, regardless of the actual value of the apartment. If the bank gave permission to the borrower for a loan of $ 30,000, and the borrower expects exactly that amount – borrowing it (just this amount) Oops! Because the bank stipulates that a credit will not exceed 80% (or 70% – depending on the bank) of the purchase price.

Novosibirsk Rent

Rent in Novosibirsk. The advantage to hotels and apartment hotels. The article described the advantages of apartments and lodging for rent Novosibirsk, in relation to the numbers in hotels. The analysis presented in the following segments: The situation of the housing stock. Location.

Kitchen, home appliances and electrical equipment, absence surcharges for additional seats. The cost of apartments in Novosibirsk for days? Analysis of the fall in prices in 2010. Contact information is here: Nobel Laureate in Economics.

The article describes in detail the existing segments in the Novosibirsk hotel market rent housing. Given estimated cost of each category, depending on the factors that guided visitors guests in all analytical studies housing into three main categories: – Economy Class – Business Class – Deluxe Class. At determining the price of the flat, we note that one of the determining factors is the location in the city. This statement can be divided into three segments by location: In the central part of the city, in the immediate proximity to the subway stations and places of mass influx of visitors in town 3. In the middle distance from subway stations and places of mass influx of visitors in town, Housing in the suburbs of Novosibirsk. Article Rent Apartments in Novosibirsk at the clock, day. Benefits of homeowners. The article described the benefits that are homeowners, who give the apartment to the management of apartments in relation to long-term lease at private owners. Benefits are described in the following segments: 1. The cost of the lease. 2.Kachestvenny lease. Professional housing management and marketing policy. Use and maintenance of housing stock, function of the master tenant for the company’s activities. Styatya 5. Apartments for hours, days in Novosibirsk. Factors influencing the determination of cost of living. Often Novosibirsk guests can not understand why the price of daily rent apartments have a large spread. Sometimes the difference in the same housing differs by 2-3 times. The article presents research specialists naliticheskie Marketing Department apartments understand the pricing and the factors influencing the price: first place location of the house. Tip buildings and houses. Flat type. Location apartment in the house, flling housing, social infrastructure. Dear visitors of Novosibirsk, if you have any questions about these items, or you are interested in the problems of daily rent in the city of Novosibirsk, please write to us. Specialists Apartments apartment be happy to answer all your questions. Read the other articles, please visit our company:.

Apartments for Rent in Dnipropetrovsk

Welcome to Dnipropetrovsk! Increasingly, visitors to the city prefer to stay not in hotels and in comfortable apartments and lodging for rent in the heart of the city. For residents and visitors in Dnepropetrovsk, we offer modern apartments with a full range of services for daily rent. Renting an apartment from us, you get: – the comforts of home and comfort in each apartment – the existence in an apartment kitchen with all accessories and a complete set of home technology – a high quality service – saving your money (because we offer accommodation in apartments are much cheaper than the hotels of Dnepropetrovsk) – confidentiality. Renting an apartment for a day, you gain advantages over hotels in the city! You can book an apartment in Dnepropetrovsk for a period from one day to several weeks. Payment of rent apartments – Short Term. For longer stays provides a flexible system of discounts, which negotiated individually. By prior arrangement, can transfer from the airport or train station to the apartment.

Terms of reservation. Pre-booking performed for a period of 2 (two) days! If you need an apartment for a day – call the day of arrival and we will try to find you a suitable alternative. Booking is simple: you need to choose an apartment, contact us and specify the anticipated date of settlement. Online reservations are made only with prepayment (deposit), after a preliminary telephone verification. Deposit is included in the price. The deposit, as Typically, the cost of one night stay.

For reservations on major holidays (New Year) is taken by some of the apartments in advance for the entire stay. We propose to use our services to meet guests at the airport and railway stations. Our prices are available for all and significantly lower the cost of a taxi. For visitors to the city with children greeters cars by prior arrangement will be equipped with child seats. If you To order a transfer, please let us know in advance about the date and time of your arrival and the group. We accept orders by phone and e-mail. Upon confirmation of transfer our staff will meet you in airport, w / train station or bus terminal, the modern Volkswagen vehicles and taken to the apartment.

Business in Real Estate

Second series of articles "Aspects of the business of real estate: in profile and full face" Author – Victor A. Hudson. (ABN – series) article number 4: "A child in November … or – Working truth in sale of commercial real estate" (This understanding indispensable, hence the advice to the reader: read the articles in chronological order and clarifies the obscure words in the glossary below the article or a dictionary. If necessary, or lack of data available suggest a series of articles first – "Commercial Real Estate in Context" (KNK – series). The LeFrak Organization often addresses the matter in his writings. VG) Video epilogue to this article: (soon to be) – I see you, disinterested love of money.

Tell me, how much money do you like? – Five thousand. – In the month? – At year. – We are with you on the road. Me to five hundred thousand, and as soon as possible, but not often. – Ostap and Balaganov. "The Golden Calf," Chapter II – Thirty sons of Lieutenant Schmidt, Ilya Ilf and Yevgeny Petrov. And how much do you need? For a complete, um-m, happiness …

And – for courage? Very I would like to believe that this word is not buried under the dust you everyday life "routine business" and not require you to painful memory voltage … or, God forbid (just have a clinical case) – an appeal to the dictionary for explain the concept of "courage", the definition of the word. Can you remember: "My" Phantom ", a white arrow on the sprawled wing, with the roar of the climbs …" It is already popular song – "Phantom" – a classic of the genre since my yard youth, as well as the famous "16 tons".