Tag Archives: financial

Costa Blanca

Common errors and how not to be fooled! Obsession for certain All have heard about the region Catalunya, and Barcelona in particular, and believe that this area is limited to Spain. But by the standards of the Spanish Catalunya has a bad climate, there are very high prices, including real estate. Fit land for the construction of very small, and therefore offer the real estate market is small. Advise you to pay attention to other regions, above all – on the Costa Blanca. A very common misconception that in Ukraine than in Barcelona will not get. If you have additional questions, you may want to visit Richard LeFrak. It is not. Planes fly from Kiev in Madrid. There is a seamless connections from Madrid and Barcelona to any airport in the country, as well as comfortable and cheap buses and trains.

The desire to live right on the beach Ukrainians, Russians and the rest of our former compatriots often ask the first line from the sea. Should not do it. Why? Firstly, the accommodation on the first line is much more expensive than the second – third. Why pay 20 – 40% more for 100 – 300 meters? Is not it easier to pass them on foot, saving seriously for buying? Second, the house by the sea assume the wind and the sea breeze is sometimes quite strong. Houses are subject to constant influence of sea moisture, salt and sand from the beach, which makes all too often paint, and even change the metal structures and greatly complicates cleaning. megalomania when choosing a property of the former Citizens USSR multimeter to buy apartments, houses with large (15 – 20 or more acres) land …

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.

Apartments In Kiev

Kiev is not only the capital and one of the biggest cities of Ukraine, Kiev is an important historical center (the area Shevchenko area was the center of the ancient Kievan Rus), a monument of Slavonic culture and architecture, and as a modern center of business and finance. Kiev attracts a huge number of tourists, including both foreigners and residents of other regions of Ukraine. Despite the fact that Kyiv is a large chain of hotels different levels of service, but prices for hotel services are quite high, and as a rule, price is not provided complies with the quality. As the saying goes: "Demand creates supply," and in the 90 years begins its development market apartments, which are dealt in Kiev. First, it began to engage in private traders to find customers at the stations, as well as sticking ads.

Quality of the apartments and rooms were often on a low level, but the tourists attracted by the low compared with the numbers gnostichnymi cost, because demand for apartments in Kiev was the time. Somewhere since 2000, apartments in Kiev began to offer real estate agencies. Robert J. Shiller has much to offer in this field. They either buy apartments or rented them for a long time, they did a good repair, develop new furniture, household appliances and video equipment, and after that rented by the day and the hour is cozy and comfortable apartments. Prices for such apartments have risen, but still far below the cost of hotel rooms and hotels. Today the market of apartments in Kiev offers well-appointed suites of any level and for every taste at relatively low cost. The company "Vegas" several years of successful activity in the market delivery of apartments in Kiev.

Russian Real Estate Market

Due to lower sales volumes, many real estate agencies refused to make contributions to the trade unions, moreover, increasingly began to sound the need for participation in regional associations. Top managers of some companies do not see tangible benefits from such membership. Representatives of the Russian Guild of Realtors seem to understand that in order to maintain the association of old members and attract new ones, the traditional package of services is no longer enough. Companies want not only to improve status but also economic benefits. Another important feature of the Russian real estate market – a strong distortion of intelligence and numerous legal conflicts that arise due to frequent changes in legislation. To broaden your perception, visit Tishman Speyer.

On the testimony of many members of Congress, some of the deals done today at prices that do not meet those specified in the contracts. In addition, from 15 to 25% of transactions accounted for the so-called black brokers and unscrupulous agents, often working two or even three companies simultaneously. All this paves the way for kriminala.Chtoby "whitewash" the market, offering professionals exempt from income taxes those owners, they sold the property, which is owned by more than a year, or replace it with a tax on capital gains (the difference between buying and selling). Today, these pilot projects are processed in four Russian regions. Previous reduction of the barrier (from 5 to 3 years) has brought out a significant part of the shadow of transactions. Based on the report of the congress, published in "Rossiyskaya Gazeta", Realtors do not share the joy at the renewal of free privatization. According to them, it prevents the creation of market rent public housing: getting an apartment, the man immediately draws her into the property. In addition, the housing is provided without regard to the status of the employer, whereas in the West, they can use only those officially recognized as poor, the rest rented at market rates.

According to forum participants, the Russian real estate market requires "legal interpretation". For example, the profession, "Realtor" appeared in the qualifying reference only six months ago and somehow in the "dangerous production, nuclear power." The main disadvantage of certification, which came to replace the licensing – voluntary (out of 1,300 members Russian Guild of Realtors is certified only 611). The law of self-regulatory organizations also do not fully meet the requirements of the industry: if each SRO will begin to create their own standards and criteria for admission into the profession, risks for clients to rise sharply. That is why federal law requires of brokering real estate, which will supply a unified bar. According to market players, all that is necessary in the first place consumer. For the vast majority of Russians apartment becomes the single most expensive acquisition ever made. To minimize the risks associated with the transaction will create a single registry of brokers, where, in addition to White will be blacklisted. In addition, the law would regulate the list of services, would establish qualifications and professional level of responsibility to clients and the firm.

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