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Extra Borrower

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Therefore, in the case of financial difficulties of the borrower, both parties will find the best way to repay the loan. In an extreme case, an apartment, located in the pledge will be sold and the proceeds from the sale will go to debt to the bank. In this case, the cost of real estate owned by the borrower, can grow, therefore, likely that the remaining funds will actually buy another house. Misconception 9. A bank may go bankrupt, then the apartment can be sold for debts of the bank What is the risk of a person who has taken a mortgage loan in the event of bank failure? Bankruptcy creditor bank that issued the mortgage, practically does not affect the fate of the borrower. He will continue to regularly make payments to repay the loan can change only the payee details (name, bank account). Terms of the contract of mortgage Credit can not be changed in the new creditor unilaterally, so the borrower does not need to fear any unpleasant surprises.

In addition, housing, purchased the mortgage is a property of the borrower and is not may be brought to recover debts of a bankrupt bank-creditor. In this regard, mortgage well protects the interests of the borrower. Delusions 10. Appeal to mortgage brokers – is the extra costs of all changes, and now mortgage brokers reduce the cost of their services, and real estate agencies are increasingly offering free services to their own mortgage specialist. The main advantage of mortgage brokers or offices of major agencies property that they have information on current developments in the programs of banks, special bank promotions, have agreements with several banks, according to which the client has a number of preferences. Perhaps rate reduction for customers by 0,5%, free or expedited hearing, etc. in the struggle for client real estate agents themselves carry all sorts of action, offering discounts for payment of interest on mortgage payments or surety for the client. Gain due to the lowered rate could reach thousands of rubles, in addition, specialists can help borrowers save time and effort, which nowadays is also worth its weight in gold.

Loan Calculator

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Loan calculator helps you determine what kind of house or real estate you can purchase. This tool can be found in various ways, but you must be sure that you have found exactly the calculator, which can be use for free. The main purpose of the use of credit calculators – it is calculated how much you will be and will be able to pay your mortgage loan. As a loan calculator to help you find your dream home? There is several ways. The purpose of this calculator is not only to provide you with information about mortgage loans and find the best mortgage for your circumstances. As a loan calculator to help me? First, you'll see the difference in interest rates offered by different lenders. Do not you think that from a quarter percent can be the difference? Depending on the conditions of the loan and the amount of your loan, this seemingly unremarkable detail may lead to you several thousand dollars over the life of the loan. Therefore, use a loan calculator to help you more accurately determine the interest rate.

Do you know what the amount you can allocate to buying a home? If not, then this calculator will also provide you with this information. Basis for calculating the required amount would be your monthly family income, deduction of taxes, as well as insurance. Loan calculator will also provide you with information about monthly payments, summing up the principal and payments on the interest rate. Finally, the loan calculator will give you information about maturity of the mortgage loan. For example, if the term of your mortgage loan is 30 years old, and your income has increased during the loan period, you'll want to repay earlier loans, which can be in seconds can be calculated using a loan calculator. On the Internet you can find lots of different calculators, but be careful when using them, because Some calculators may not include taxes and fees insurance. In conclusion I would like to note that anyone who wants to buy a property should be kept handy loan calculator to compare different types of loans that can be obtained without resorting to specialists.

Kiev Real Estate

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As expected, the increase in prices for apartments and other real estate in Kiev and its suburbs in 2007 continued its steady growth. Of course, not as frantic leaps, as in previous years, but still at 2-5%% in the month given. And what the most surprising – this growth occurred alongside a significant downturn in demand for apartments. Also of note, and decline in the number and volume of transactions on purchase and sale of apartments and real estate in Kiev over the same period of 2006. And despite all that construction companies Kiev motivate growth in property prices supposedly the increased demand. Such arguments are only interested Antimonopoly Committee of Ukraine, which has held a number of inspections (see details). And yet, you can try to identify such causes a rise in price of real estate in Ukraine.

The relative improvement of living standards in large cities and the capital of Ukraine and associated increase in the money supply in the population. Unequal distribution of income among the population of Ukraine. Rich inflate asset prices, including real estate, as generate demand.

Uneven development of various regions of Ukraine. The rise in prices will not stop until the city, such as attractive to live and inserting money as Kiev, Odessa, , Donetsk, Lviv. For most Ukrainians, the most coveted city has one. The surest way to launder dirty (the earned-gotten) money and the willingness to invest money without losses including and profitably, which results in the desire to hold each subsequent resale 5-10% more expensive than buying. The need to provide housing for residents of Ukraine, 92% of whom live in uncomfortable flats and houses. Input space is not enough to meet demand. As a result – real estate all missing. When the demand for housing increases, its price, of course, is also growing. Economic: The growth of construction costs. Various approvals, statutory deductions and city areas, high prices energy, rising wages, rising prices for building materials, high resource consumption, etc. High interest rates on loans for the development of construction projects. Stricter requirements to technology security. Increased regulations laying building materials and mounting systems than the construction of housing in the past years. Binding of construction companies to cash market currencies, including the foreign, as well as rapid development of the mortgage market. Development of small and medium business, dollar inflation and inflation hryvnia, resulting macroeconomic processes. The influence of the secondary real estate market, which tends catch up on the price level (and almost caught up with) the market buildings. Alignment property developers in the price (but not the purchasing power of the population) in Russia and Moscow. Political: Constant rotation of government bodies and local government. New officers get for themselves and their families for housing and real estate business upon arrival in Kiev. Absence of the normal tendering market instruments of land allocation.

Floating Floor

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And with the new wear-resistant lacquer finish Xtreme wrt (with ceramic microparticles) suitable for use in offices and any residential premises. By choosing the "floating floor", you will appreciate the speed and ease of installation, especially when self-assembly. They fit without glue, which allows him to walk on immediately after installation. Requirements for the substrate on which fit into the floor, the same as that of the laminate. Less sex on the locks – they can not be used in humid environments, because They contain fiberboard panel. Surprisingly, cork floors have excellent durability. Despite that the touch is a soft material, the coefficient of abrasion of natural cork is very low.

This means that the floors with cork coating are durable and resistant to wear. On these floors do not podskolznetes – coatings have greater resistance to sliding. This is especially significant for bathrooms and other wet areas (baths, saunas, swimming pools, etc.), which is used adhesive cork coatings that are not afraid of water and stick directly to a flat, stable base. Glue the plate consist of a layer of compressed cork, decorative cork veneer, covered with one layer of varnish or lacquer without, implying further polish at home. Proceedings of the tube can not be shrinkage and rotting, as they have antiseptic properties. After special processing plant in it do not start fungi and insects, it is not moldy and prevents the development of pathogenic microflora.

Tube do not eat mice, rats and other domestic rodents. Wear resistance of cork floors combined with soft elasticity, and an amazing resilience that allows the cork floors available original shape after deformation and creates a special orthopedic effect, unloading of support – human locomotion. Tube has an unconditional aesthetic qualities. Despite the fact that aesthetics – it taste, however it is generally accepted that non-recurring picture tube in conjunction with the tree is aesthetically pleasing. When looking at these intricate and original designs resting his eyes, clearer thinking. For all softness and pliability of this material is aging very slowly – it is believed that his property for 100 years can not change by more than 5%!

Russian People

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Tuapse district has long been one of the most attractive locations for high-quality full rest. It is located on the Black Sea coast between Sochi, and it promotes both the influx of a large number of tourists in the summer season, and increased interest of investors who want to buy real estate in Krasnodar Krai. Flats and houses in Tuapse in demand by residents of other Russian regions, and then there are good reasons. First and foremost, it should be noted excellent climate Tuapse district, all health facilities and a huge amount of entertainment for adults and children. Note also that the Tuapse, on the same Novorossiysk, has a rather low-density construction of industrial objects. Most of the city and the district is covered by forests, while the total number of different plant species reaches 1200. Together with the excellent climate, pristine beaches and the infrastructure that makes a house in Tuapse the best choices of all the offerings on the market. And now a closer look at the city itself. A real gem of Tuapse a central city park.

From that moment, when there were planted the very first tree, the park has become a welcome place of rest for all citizens. And in winter, and summer is walking moms with strollers, it was important stroll lovers Couple, children frolic and breathe the cleanest air elderly people. To appreciate the whole beauty of the park, just look at his photos – real estate is a great choice for families with children, and for other people who care about where they live. City beach – this is certainly another highlight of Tuapse. He is huge, has a length of several kilometers and offers a luxurious environment for relaxing in the hot rays of the sun. If you do not like sandy beaches, and fine gravel and pebbles warm, then real estate in Tuapse will allow you to enjoy your holiday all year round. However, there are on the Foreshore and sandy areas. They are characterized by for the south-eastern coast. Regardless of your preference, be aware that the seabed all over the beach – small, and therefore in the season here frolic children who are not afraid of deep holes and other nasty surprises. Along the beach promenade stretches well invested with the boat ramp and footpath. This is a great place to stroll under the canopy of old trees.

There are numerous cafes and restaurants, which You can taste the delicious dishes without prejudice to the family budget. If you choose a house or flat in Tuapse and thus prefer water sports, a waterfront district you will certainly catch the fancy, as is very close sea with yacht clubs, boat stations and diving centers. What else attracts real estate investors Krasnodar? Of course, we should mention that the homes, villas and apartments in Tuapse, can serve for you good source of passive income. In the holiday season Tuapse is visited by thousands of people from all regions of our country. This means that the house on the sea is able to justify all the money invested in it for several years after purchase, and then he will bring a steady income. Basically, it’s all about what we wanted to tell you. Tuapse – comfortable, modern, beautiful city, set up for people. Therefore, a local real estate enjoys high demand from the Russians, and that is why we advise you to buy a house or apartment in Tuapse all people who want a quiet, tranquil and prosperous life in the Black Sea coast.

Cyprus Property

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Property owners in Cyprus are allowed to stay without any problems. Swarmed by offers, Greenberg Traurig is currently assessing future choices. There are two types of residence permits in Cyprus: temporary and permanent. If you would like to know more about Richard LeFrak, then click here. In order to obtain a temporary residence permit (Residence permit) are required to provide immigration documents to the right of tenure, as well as extract c external bank account in Cyprus with sufficient finances to ensure trouble-free stay for the entire period for which the application is filed, a minimum amount – some 7,000 dollars per adult. The period of temporary permits ranges from one to four years. With this permission, you must be in Cyprus at least 9 months of the year, otherwise it will be canceled and the application will have to apply again. If you are legally and continuously lived in Cyprus for at least 5 years old with a valid permit for temporary residence, you are eligible to apply for the status of long-term resident of the eu (Green Card).

Keep in mind that even one day of illegal stay in Cyprus can serve as a denial of long-term resident status. Obtaining this status gives the following rights: the right to work, social rights (allowances, benefits, tax credits), the right to move to another eu country, the right to free medical care, etc. Simplified procedure obtaining a residence permit in Cyprus in 2009 ats Cyprus adopted a new law whereby citizens of countries outside the eu, priobrevshie and legal form to his name Cypriot property value over 300 000 euros, will be subject to preferential treatment. The presence of such real estate will allow their owners to greatly accelerate the process of obtaining permits . The owners of these permits exempt from time-consuming immigration procedures that exist for third country nationals (for example, consular visa, renewal of temporary residence permits, re-entry permit and so on). The new measure is intended to stimulate sales of real estate to foreign investors.

Indian Ocean

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Condor flights with convenient connecting flights from all over Austria can all travel agencies, online at or by phone 01/585 36 31 45 or be booked by email at. Here you can book direct flights from Vienna to Mombasa Condor: ibe/cfi/de/offersLong/flightOffersListView.xhtml?origin=VIE&destination=MBA Varadero, Cuba 13:15 it was for the first flight from Munich to Varadero: the Boeing 767-300 for the first time took off in the direction of the Cuban peninsula. Arrived in Varadero, the guests of the flight with local music and cocktails were received and immediately brought in a holiday mood. The popular Caribbean destination is known for its beaches, which invite for swimming and relaxing. The impressive underwater world offers divers coral reefs and colorful fish world. During a trip through the downtown Varadero offers the possibility to stroll through colorful, Cuban markets. Customers can in winter 2013/14 every Tuesday from a one-way complete price of only 349,99 euros in economy Class and 449,99 euros in premium economy class fly to Varadero. Here you can book direct flights from Munich to Varadero Condor: ibe/cfi/de/offersLong/flightOffersListView.xhtml?origin=MUC&destination=VRA Mauritius In winter 2013/14 Condor flies to on Tuesday for the first time again the small island nation in the Indian Ocean from Munich since 2006/07.

Customers can already fly to Mauritius from a OneWay price of only 429,99 EUR in economy class, 749.99 Euro in premium economy class and 1499,99 in comfort class. Flights can be booked in all travel agencies, online at or call 01805 / 767757 (0,14 euro / min. from the German landline, max. 0.42 euro / min. Mobile) Condor.

Here you can book direct flights from Munich to Mauritius Condor: ibe/cfi/de/offersLong/flightOffersListView.xhtml?origin=MUC&destination=MRU Condor Flugdienst GmbH flies its guests since 1956 on the most beautiful holiday destinations in the world. Every year 6.7 million fly Passengers with Condor in around 75 destinations in Europe, Asia, Africa and America. Since October 1, 2013 all businesses of Thomas Cook Group plc. United under a single icon: the sunny heart. The aircraft of the Thomas Cook Group wear the sunny heart in its tailplane airlines therefore, expressing their common identity. The airlines of the Thomas Cook Group fleet consists of 86 modern and environmentally friendly aircraft, of them 39 aircraft from the Condor fleet: twelve Airbus A320, 13 Boeing 757-300 and twelve Boeing 767-300 and two Airbus A321. The aircraft are serviced by the airlines own technology companies. Footage of Condor, see newsroom press contact: Condor Flugdienst GmbH Johannes Winter head Communications Tel.: + 49 (0) 6107 939-7804 fax: + 49 (0) 6107 939-7147 E-Mail:

Real Estate Loan

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Mortgage no equity until fails to 50000 euros over the lending value of the property the dream of your own house or apartment among many Germans in the financing. Clearly one taking a loan to pay the purchase price while perhaps 20 years. But the banks want to see equity, typically 20-30%. Then comes even the real estate transfer tax and the notary. 25 are total according to, fast times ‘ 000 euro or more, depending on the object.

Many workers cannot afford it. The special mortgage now is there in Germany a mortgage where you should bring no equity. On the contrary, it is even possible up to 50’000 euro in addition to record of the lending value of the property,. You can realize that speak two financing projects in the parallel and to the same favorable real estate interest rates. The mortgage is not ring-fenced, the sum about however, it is available for free use. Whether to use the money for the establishment, the notarial costs or for the next holiday, nobody cares about.

This mortgage loan without equity is offered even in suboptimal Schufa. Clear will be therefore somewhat higher interest rates, but the offer is intended for many people in Germany attractive. Finally, it is also less good at the present time, allows to realize the dream of homeownership-earning people. The lender will this unique real estate credit by credit Advisor in collaboration with Bon credit offers. Bon credit has made himself a name in the online agencies, mainly through legitimate and fair lending despite Schufa. The offer is extended with this new real estate loan. Bon credit is a credit intermediary, no lends itself so, but gives the customers of partner banks. The advantage of this, it finds the best offering from up to 20 banks and this with only a binding and free credit application. I can only recommend this offer personally. Alone because the quotation process is free of charge and without obligation, and only takes a few minutes to complete. As a result, this can Request also just used in order to obtain a settlement offer.

Heidelberg Estate

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Redesigned website with enhanced service about Heidelberg real estate 03.05.2013 – the cancer real estate boasts a newly designed website, representing a considerably expanded service offering at the same time. The brokerage company, which has been operating for more than 20 years in the real estate market, underlines the individual and cooperative care, which can expect the customers here with the redesign. Who wants to sell a property or rent today for days, is confronted with a variety of questions. This involves not only the evaluation, the time horizon, financial security and settlement. To achieve an optimal result for our customers, their homes must also optimally presented on the market. We see ourselves here since time immemorial as a competent partner of our clients”, explains Ralf Krebs, owner of cancer real estate in Heidelberg.

The new site takes into account this objective not only in the design, the offers will be published also on target group-related marketing channels and social media. Carefully Image materials created and 360-degree video presentations in the own YouTube channel are already of course. An extended range of information in the service area belongs to the new site. Customers and prospective customers for information and expertise to major issues related to the sale of real estate, the real estate rental and the real estate assessment in the future. In particular with regard to the valuation of real estate, cancer real estate is pending sellers with competent advice and knowledge available. Certified market value broker of Sprengnetter Academy, which stands for highest expertise in the real estate valuation is cancer real estate.

More information: cancer real estate E.k.. The cancer is working over 20 years of experience in the real estate market in Heidelberg as a real estate broker real estate. Owner of the company is Ralf Krebs, leading it in the form of a registered merchant diploma management host. Cancer real estate is located at two sites in Heidelberg and employs 6 staff. Ralf Krebs is in addition to his acquired qualification as diploma management host (FH) also finance (bbw) and certified market value broker of Sprengnetter Academy Sprengnetter stands for highest expertise in the real estate valuation. Cancer real estate offers comprehensive service for sellers and landlords of residential properties. High-quality consulting means not only serious real estate assessment, optimization of the selling price or lease price, timely design of the sales process or lease and secure financial settlement. It means also support and comprehensive consultation of the customers in the market-oriented presentation of your property, that leaves no (marketing) desires. Not for nothing is the guiding principle of cancer real estate: sell better.

German Estate

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Learn the value of real estate is one of the most controversial elements of the gain compensation lawyers Alexander Dobiasch & Rupert Richter. Given its great practical importance, the law firm Danielleeee & judge family law specialists describe as the value of the property is determined. The dispute over the valuation of properties in the scheme of divorce consequences deals German courts and in the highest judicial bodies. In this context, the Federal Supreme Court in a decision dated November 17, 2011 formulated (BGH XII ZR 170/09) once more its principles. Starting from the relevant provision of, the real estate valuation in the equalisation in the responsibility of the competent court falls 287 ZPO. The judge dealing with the divorce effects control is optional, as he reaches that if his approach takes all circumstances into consideration a valuation of the property in question and to an understandable, realistic assessment. Usually, the court sets a knowledgeable reviewers, the real estate affected earnings and asset value methods for evaluating reach.

The Court undertakes this exactly run in his decision, what assessment methods were used and their result came as they. The relevant governing divorce consequences real estate value is not always the realizable value of sales. Low evaluated real estate during the sentencing and an improvement of the market situation at the same time is to be expected its value in the equalisation is applied, if necessary, than the current market value, if the sale of real estate is excluded. Prospect of such long-term rating is not taken by the Court, if the divorce parties sell real estate in question, to perform the equalisation. In this case, only count the actual retail value. Are done to evaluate condos, this based on the rent that can be achieved on the local housing market for a suitable rental property in General. The actual amount of the rent is not relevant for the assessment of a condo.

Are real estate placed in the equalisation, ignite quickly a dispute about its value. Those affected is urgently to advise on a professional, familienrechtlich experienced legal representation to express their interests and needs in court in light of the high value of the dispute. The family law expert of the law firm Danielleeee & judge in Bergen auf Rugen represent their clients in family law disputes for many years and are at the disposal for more information on the real estate valuation in the equalisation.