Tag Archives: financial

Subtleties Of Buying Property In Spain

The process of buying property in Spain worked for years the existence of this market and perfected to the last detail. Therefore, it is in Spain, subject to reasonable rules can not be trapped, getting here real estate. To purchase real estate is necessary, first of all, choose this property, we encourage you to "make order" for real estate while still in Russia – in which case it will save you time – because your manager will show you a pre-defined options. After selecting a property you need to select the payment method – involving credit or no credit. By the way, attractive credit options to non-residents Spain now has a total of up to 75% of the estimated project cost by 5.0-5.5% per annum for up to 30 years. Once the object is selected, you must contact the bank to request a loan, and start execution NIE (INN for foreigners) – after credit approval can enter into a contract with the seller of the object by signing a preliminary contract and making a deposit of about 10% of the cost. Learn more at: ProLogis. The following is the procedure of the transaction carried out by the notary and the final stage which is to transfer the remaining amount (the buyer or the bank, in the case of credit) on account of the seller and the signing of the Basic Contract Escritura Publica. Then the transaction is recorded in a central inventory of real estate, on which both usually takes up to 3 months.

After that, you become the full owner of property in Spain. If you decide to buy property in Spain with the assistance of credit, in the main chain should be added loan and real estate assessment for your chosen employee of the bank. Do not forget, in both cases and pay taxes when buying property. Behind this will ensure your manager, leading your transaction. Good luck to you buy!

Concierge

In all the decent homes Hurghada is usually a man – Concierge: Dorma. It monitors the general condition home guards, removes waste, carries out errands and helping residents solve everyday problems. All domestic problems can be solved through it:-small-renovated apartment availability of gas, problems with electricity and water, etc. In homes almost always have utensils cutlery. Standard apartment – complete renovation.

All apartments are in good condition. You may find that Airbnb Rentals can contribute to your knowledge. In the yard is usually a pool. Apartment complexes without the pool, as a rule are densely populated areas. Binding-conditioner, refrigerator, furniture, satellite TV (Russian channels) is possible to have bed linen in the apartment Caution When removing the flat to draw your attention to: -Working appliances, plumbing, defective condition of the general availability of apartments, dining utensils, bed linen (usually in apartments is not provided) Visa 1.5 months you are entitled is in Egypt a tourist visa, ie visa that what you gave at the airport. Then you extend it to 2 months at the passport desk. The procedure is not complicated and is free. You must fill out two forms in English, You should have a copy passports and photos.

The preferred stock up on everything you need in advance, more at home. The procedure for obtaining visas is extremely simplified in recent years in connection with the course taken-friendly government of Egypt. Prices Approximate price of 200 euros studio apartment with one bedroom 250-300 Euro Luxurious apartment with sea views 2 bedrooms 400 euros. Villa from 700 Prices may vary in one way or the other side. Agency commission is one-half cost per month. Utilities-electricity-water on the counter-service concierge, a collective dish with Russian channels on its intention you should tell the agency for 4-5 days before your arrival. order for us to confirm the presence of appropriate options for apartments in Hurghada. Upon arrival, please call us on tel: +20168512679 We will help you not only rent an apartment but also we offer you one of the best places to stay in world. Where the sun always shines! Clear turquoise waters, cheap fruit, historical monuments, there is no crime, relaxing atmosphere relax. Egypt is also a zone of ecological well-being. Perhaps you ever want to stay here to live or buy a second apartment. We are always happy to help you. Seek professional @ Hurghada Real Estate 'Plaza'

Internet Site

So, where do you start? To get started, you need to decide in which direction of the city you would like to buy their next plot. If you live in a big city like Moscow, it is reasonable to choose the direction that is closest to your city accommodation. This is guaranteed to justify itself, because You do not have to stand in extra traffic within the city, just to get to their routes. As an exception – in some cases may deviate if somewhere nearby is a good highway. Then you can easily compensate the time spent at the expense of ease-of-town portion of the path. In recent months, Chestnut Hill College has been very successful.

The next step after you decide the future direction – to collect information. You need to find out how things deal with congestion in this area, to collect information on the major population centers, there is a prestigious and interesting places, which have large water bodies, etc. Now, with the presence of the Internet, it is quite simple. But Some time is spent as This stage is quite important. First, you have any unusual anchor for clues on the ground, after which you will be much easier to navigate. Second, if you're even a little will be familiar with the terrain, you'll feel much more confident. Well, suppose that you have mastered the previous stage and made a first impression of the terrain. Now you need to make a wish list for account of its future site.

The criteria must be: the amount that you have for buying, remoteness from the city, availability of communications near or at the site, the presence of nearby water facilities, etc. You fantasize and dream. Try to imagine your future in mind, the ideal site. Do not be afraid to dream – because you are trying for yourself. So, you got it and now you have a picture ideal site. This is very good – because the main guarantee of a successful purchase – your sincere desire to get it. But now we need to remember that we live in the real world, so before you rush headlong to search for your ideal plot, we need to do something else kind of work. About this in the next section.

Russian State Property

For many centuries, the Russian state property was the subject of buying and selling, causing significant problems with the concrete as the seller and the buyer. With relative certainty is to say that now, this situation in the sector of real estate is not particularly evolved. At what should be noted that such a pattern can be seen in almost all localities of our country and Togliatti in this regard is not is an exception to the rule. However, it is worth noting that in reality any Russian citizen, irrespective of whether he will be a private individual or organization as the owner, in the embodiment, if the apparent problems with need to sell, buy or any property, there is a very real way out how to rid yourself from all sorts of trouble. This will be a real possibility, in fact due to which both Alternatively, you can benefit from appropriate to sell or buy real estate, that there is always a real opportunity to use the services of highly qualified experts, please contact the real estate agency. Say, for example, the planned purchase of real estate in Togliatti.

Regardless of whether it is a personal sale, a private home or commercial property, the best result will come, particularly if of course enjoy the high quality services agency. First of all, it is useful to distinguish what is now a huge number of numerical doing absolutely have to conclude directly that, in principle, any announcement regarding the real estate is clearly not a sense of give in the newspaper. Actually how much more profitable and faster to place this ad on a dedicated Internet service. A variant of such a site in Internet web portal will be released real estate agency. Because of this, this agency has a prestigious database, which can not affect its performance. Because of this, there is nothing striking in that the sale Real Estate in Togliatti is also produced by the above-mentioned agencies.

For example, if have to buy, say for example, apartments in Togliatti, then after the call to the agency staff will make appropriate selection of the most sought after option, given the principle of all the needs and wishes of the customer. Directly with a positive outcome of the search, the client will definitely be immediately notified about the present sentence. Directly and with much be able to save some time for independent exploration and some money, you want to visit and with an assessment of all proposals. In turn, apartments for sale Togliatti, and will not cause problems at a time when such a task to entrust a qualified agency. At the same time offers to sell apartments in Togliatti really easy to place directly on the site of this real estate agency. Realize it can be absolutely any suitable time for yourself, because the site is available 24 hours a day and is open to absolutely any of our compatriot, seven days a week and of course holidays. In turn, in addition to services on the purchase / sale of real estate agency copes with the difficulties, which manifest itself when it is necessary to issue an equal exchange of property in Togliatti. Pretty decent demanded assistance in general, any client will provide their own agency, if necessary rental properties in Togliatti.

Primeval Ocean

Temporary abandonment of the struggle. Illusion quench all desires, like a death. And yet, being that phase of life, when the kingdom of God is within us. When a sense of harmony is achieved only at the expense of overcrowding in one – a sense of the ocean. Any strong feeling that love, fear, temporarily change the whole picture of the world.

Importance may become unimportant, and conversely, those who had nothing to turn into something – and this is a manifestation of this magic of life. When little kitten, dying from his own courage, sill explores the thirteenth floor during the opening wide open window, he is going through an extraordinary excitement. For him it is the most important event of life. All of his feelings – and curiosity, and courage – are subject to feeling great, like the ocean, the danger which emanates from the gulf side. In the primeval ocean Life at first was much calmer. Once there was a big world, whose inhabitants, in order to fulfill all their desires, it was enough to take a breath.

That if they were tuned to an active lifestyle. If they belonged to a lazy majority, in order to fulfill all wishes, it was enough to do nothing. This world is called the Primeval Ocean. His living water, free washing the exterior and interior surfaces original living bodies, almost indistinguishable from that of water itself was to them, in terms of modern concepts, and air, and food and clothing, and vehicles, and a source of new experiences, including love, and Entertainment and treatment to provide easy transmission through a smart, gentle waters.

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.

Social Insurance Fund

The birth of a child – it's always a holiday. Of course, as befits every holiday, it passes quickly and gives way to endless series of everyday life. Young parents need to address many issues related to the provision of child favorable conditions for growth and development. At first, they have the support of the Social Insurance Fund. This state, therefore, supports the parents' newborn babies. After all, if you will not be born children, the nation doomed to extinction. Payments are most often young mothers. But the law can get, and other family members: fathers, grandmothers, grandfathers.

The amount of assistance can initially provide the child with everything they need. Further, all content of the kid falls on the shoulders of parents. But we are now talking only about material needs. For some reason, many parents believe that their case – to give the child clothes, shoes, food, shelter and a minimum of entertainment. A to educate children must state, kindergarten, school, college.

It turns out that most teachers of our children are the street and television. This is fundamentally wrong and irresponsible! Immunize your child social and universal values is only possible in the family. And only in the family can teach a child to independence. It is not so important to leave to his successor an apartment, how to teach him to earn enough so he could buy himself accommodation. It should not only seek to give a child everything you need, but also teach his own to support themselves. Most parents overlook this important aspect of education. But you can teach a child to adulthood live wisely and in that time for him to form a capital that he can manage and dispose of at their discretion. Make it helps children's cumulative insurance. If your coming of age child will have at its disposal a large enough amount, you can use to pay for tuition or to make another major investment in the future.

Car Loans How Perspective Investment

Prices of foreign cars assembled in Russia remain elevated. Yet one can hardly expect them real hard slide. Localization of assembly plants reduces the cost of cars is not more than 10-15 percent. For more massive fall in the price you want to organize on the territory of Ukraine engines assembly, and to this none of the existing today in the domestic market of foreign car companies still can not go. Purchase car loan today for the majority of Russians became the only way to invest money. Because the money for the purchased car does not succeed – once longed for transport vehicle leaves the gates of the store, it loses in price about 20 percent.

But invest their earnings so that they have not been eaten by inflation, the car can really be. Especially in our own time to services to potential motorists a wide range of various credit schemes. Auto Loans deservedly enjoys a celebrity in the banking environment. The fact that the collateral for the loan in this case is the car, registration certificate which is stored in the mortgage from the bank all the time until the loan is paid. As a result, the amount of arrears on this type of lending is only about 2-3 per cent. Approach This figure can help the "road" banks, which are somehow related to ease with the manufacturers of certain brands of cars and can lend at lower than the average market rate of interest. Prospects for this type of lending considerable, since before the State Duma today are amendments to the Law "On banks and banking activity", which will allow banks with a capital of $ 100 million apply for a license to work with physical persons after registration. Today, the bank's due diligence period is 2 years and so many are forced to use the mediation scheme. Which in turn increases the cost of the final product, that is, loans to consumers.

Realtors

Not many people realize this and that’s it. That the most annoying, even the majority of Realtors do not understand how is it possible to sell coffee in a rented room. Sell such an object can only professionals who are trained to conduct such transactions. The most difficult thing in this kind of business, this estimate of value added to the cost of equipment, ie what can be “touched with his hands.” We have repeatedly written that the sellers of the business, as a rule, very strongly overestimate the price of its facilities by investing in the cost of all that is possible, even appreciating their own unique intelligence. Unfortunately, the market is tough, and rating is actually very simple: buy a business at that price, so is its price, not bought – it is necessary to reduce as long as buy. Even if in the end price of business as a whole will be cheaper than the total cost of individual machines, fixtures, equipment, etc. So, too often the case.

Some mathematical model for valuing a business sum is difficult. You can only try to bind to any economic assumptions. Well, for example, in developed countries during the normal return on investment at risk is considered average for 5-6 years. If it is a contribution to the property, then all of 10. In the CIS such terms do not recognize, the markets still are, therefore, more than 4 years of payback period for most businesses today in Ukraine, this kind of stupidity. A year or two – that’s what we need.

Therefore, we in our work in valuing a business for customers trying to attach to more or less acceptable in term of two, maximum three, years. What does this mean? A cafe, which we mentioned above (30 thousand USD, 100 sq. m.) should be recouped in about three years. 30 000 u.e./36mesyatsev = 833 dollars. (7000 USD). – It must be his net income. Normal net profit cafe that sells. If the cafe makes a profit over 833 dollars., Then you can raise the price and, if less mean 30 thousand USD for it is expensive. But in principle, acceptable price. Here are some examples of the value of a cafe in the premises leased from our database. Akademgorodok, 9 thousand dollars., 90 sq.m., Petrovka, 20 thousand dollars., 56 sq.m., Center of Kiev, cafe-billiard room, 31 thousands U.S.., 96 sq.m., Shulyavka, 27 thousands U.S.., 70 sq.m. When buying a cafe in the rental place has one big advantage. If you buy a legal entity, then save at least a month of time to prepare all permits documents

Commercial Mortgages

By the word 'mortgage', we started to get used recently: it is a relatively new concept for the Russian practice. If your mortgage housing is becoming more common, the commercial real estate mortgage – has only a few precedents. Mortgage real estate or commercial mortgage (the mortgage business), is widespread throughout the world. Western experience shows that with proper operation of commercial real estate – rental premises for offices, shops, service businesses – its yield is comparable to any other small business and allows the use of mortgage loans. The essence and conditions of commercial mortgage mortgage loan issued for the purchase of non-residential buildings: a warehouse, office, etc. Meaning the mortgage is to purchase commercial real estate lending under her own pledge. Unlike residential lending, commercial mortgage is short term loan repayment, but the relatively high interest rates.

Typically, the annual rate credit mortgage commercial property ranging from 12 to 16%, mainly in foreign currency. The term of the mortgage property – a maximum of 12.10 years, and the most common term – 5 years. Borrower must make an initial contribution of 25-40% of property value. In this case, the client must be a profitable balance sheet and at least one year on the market. Legal nuances commercial mortgage commercial mortgage scheme similar to the non-residential mortgage housing: there is the same assessment procedures of the borrower and the object, the requirement for a down payment. But there is a fundamental difference – law does not allow companies to register a mortgage on real property until the conclusion of the sale.