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Home Furnishings

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If this solution does not fit, it is proposed by fixing material to establish a small distance from the wall a large mirror and use it as a cover behind which will accommodate hanger with clothes and shoes. If you are not too closely, instead of a single cabinet can accommodate several individual pieces of furniture: shoe cabinets, standing coat rack for coats, ottoman for pereobuvaniya. The layout of individual items of furniture in the hallway can be different: a straight line (linear) – in the form of a small wall, corner – with the obligatory presence of the angular element, free, or unfixed. If the size and financial capacity allows, you can buy a set of furniture, offered in furniture showrooms. Usually it consists of one or Bivalve the cabinet, hangers, shelves for hats, shoe cabinets, chest of drawers and mirror above.

Also in the hall should provide seat – a stool, ottoman or bench. Picking up furniture, we will not forget that it must comply with style solution hallway and vestibule itself – the whole house. The materials in the manufacture of furniture for the hallways are commonly used modern particleboard, MDF and other plates with coating of natural veneer and polymers, laminates and melamine. It is clear that this furniture is unlikely to look good in an apartment furnished with expensive furniture, cabinet, solid wood. Here will suit the more expensive models furniture for the hallways.

Anyone not satisfied with the presence of furniture in the hallway, can hang on the walls of the shelf for hats, hooks for bags and a mirror. Hallways are often equipped with various devices for Storage-specific 'street' of things: zontoderzhatelyami, "Karaman" for gloves, trays for small items, hooks, shelves, etc. Wall shelves for hats are fastened directly to the wall, practically does not take place and therefore easy to use. It is worth noting that many of these ceilings extend into the kitchen, kitchen design that gives a new breath. Bottom, they can be equipped with hooks for clothes, being both hangers. The market offers the set of products made from different materials (glass, wood, chrome, steel) and quite original in design decisions.

Inheritance and Property

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Creditors may put forward their claims within the time limitation. Prior to accepting the inheritance, they can be made executor of the will or available at the estate. Recall that the general limitation period is three years. And it is not subject to interruption, suspension or recovery. No circumstances are not good reason for delaying the return of the debt, which passed by inheritance. What is the procedure? If, during the partition of the inheritance disputes arise about who is owed the heirs, you should remember about pre-emptive right some of them on certain property. For example, if the heir and the testator had the right to the common ownership of an apartment or other indivisible thing, that the heir has a preferential right to receive specified things on account of his hereditary share. And regardless of whether the use of the property other heirs.

The same applies to the heir, who always enjoyed an indivisible thing, which is part of inheritance. In the division of property it has a preferential right to receive on account of its share in this thing before other heirs, who have not used it or were not parties to the common ownership of it. If the The estate includes a house or apartment, part of which is not possible, the heir, who lived in this room on the day of opening of the inheritance and has no other housing in the section have a preferential right to of the premises on account of his inheritance.

Arched Doors: Unique Home Style

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Materials and decoration of arched doors variety of materials of construction for the arched doors, their types, the possibility of making arched interior doors made to measure – the undoubted advantages that open wide space for creativity in designing interior design apartment or house. A special luxury arched doorways, and hence the room in which they are installed, attach a variety of elements of decoration: carving, stained glass, tinted glass, much more. Decor arched doors, however, as well as the type and shape of the arch is determined solely by the preferences of the customer, should be mindful of the need to match decor elements the overall interior design of the room. So, in an apartment, decorated in Art Nouveau style, in harmony will look arches made of wood, decorated with painted bends, a home, decorated in the style of hi-tech, appropriate decorative elements will be the same style. Very interesting technique in which the arched door drape decorative fabrics: in addition to the aesthetic function of such tissue is also closing a doorway, providing a conventional isolation rooms. Receptions decorating arches these days there are so many, they are all together the ability to significantly increase the artistic value of doorways and rooms in tselom.Osnovnye variety of arched doors Arched doorways may be round or arched shape. Arches with a circular loop, in turn, are divided into the following types: classic: the most common type, characterized by the correct radius of the arc arch, elliptical: the type, wherein the arc design of the arch in the form of an ellipse, "modern": arc arch is made with enthusiasm, "romance": the central part of the arc – straight, the angles – rounded with a certain radius.

The Walls

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A few words about what metallopolymers. In this case – aluminum in combination with the surrounding layers of polyethylene, which has a special strength. The thickness of the structure, in other words – the walls of the tubes is around 2 mm. They can be used not only for water supply, but also for the heating system – metal-pipes are designed for this because the necessary water pressure kept on their wall when you receive it in a thermal battery. In the sewer system, they are not commonly used.

When buying a metal-pipe pay attention to what color they are painted. Blue and blue indicate that these tubes are designed for cold water (stand-zero temperature to 30 C), and the tube of white are used for heating and hot water. Curiously, these fragile items, at least in comparison with the same steel, can withstand water temperatures over 100 C. Of course, we must bear in mind that such an increase in temperature of hot water can not be long. Do not be concerned about the unusual nature of these tubes. They are beautiful, fairly well connected to other plumbing fixtures, and why have the corresponding parts. And it does not matter from which material made or that the equipment that you want to attach a metal-pipe, there are no problems in any case – accessories designed for all options. If you are reaching maturity, equip his apartment with quality pipes from metallopolymers, you can easily live a hundred years.

The Heating

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Besides radiators from this material quickly respond to queries iron thermostat settings. Modern aluminum battery is well maintained and hydraulic shocks. A to protect them from corrosion must attach to the steel-aluminum radiator heat conductors with galvanized or cast iron reducers. Bimetal radiators have aluminum casing and steel pipe, according to which moves coolant. As instruments of aluminum, they have a high heat transfer, characterized by high corrosion resistance and ability to withstand high pressure. I live on 5 floors. Radiators are almost always Warm slightly, although the neighbors below – everything is in order. Why is this happening? Most likely this is due to pressure, which in the heating system of apartment house may be not only high but also low.

In the latter case it leads to less efficient operation of the radiators. Simply put, they are worse than warm. Why is this happening? The volume of heat given room heaters, depends not only on the temperature of the coolant, but the number of entering the water device. In turn, the amount of water that can be passed through tubing to the device, independent of the circulating pressure causes water to move through the tube. In this case, the water meets resistance caused by its friction on the pipe walls, and apart from them yet, and local resistance, which include elbows, tees, crosses, etc. In the heating system can be used as a natural circulation of water and forced (requires a circulation pump). Possibility of a second way – much more.

Gas Boilers

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This type of gas boilers, most preferably at a power of 100 kW because: It is cheaper than the boiler burner with fan less noisy in a wider range when the pressure of gas in the pipeline. Cheaper ekspluatatsiiOsobo focus on changing the gas pressure at the inlet to the boiler, as not all boilers with atmospheric burners behave identically at low pressure. Learn at which a minimum pressure of the boiler can be run in those. description or from the manufacturer. In our experience, low-pressure boilers work best Sime. Approximate calculation of boiler house equipment depending on the area can be found here. Diesel boilers (boilers for liquid fuel) for domestic use where there is no natural (main) gas as the coolant used diesel fuel. Diesel fuel is expensive, about the maximum hourly diesel fuel consumption service.

Approximate calculation of boiler house equipment depending on the area you can see better zdes.Kakoy boiler steel or cast iron? Speaking of iron and steel boilers, household products, each of They have their pluses and minuses. Let's start with the advantages of cast iron boilers. Cast iron burner has virtually unlimited service life. Cast iron boiler – it is always a sectional design. In the event of an accident can only be replaced defective sections, and not the entire pot.

Another advantage – it's a high corrosion resistance of cast iron. It's no secret that the iron is such an interesting property – it is covered from top to dry rust, corrosion and further practically does not go. Another advantage of the cast-iron cauldron – the possibility of low-temperature operation, which allows achieving a higher degree of comfort and efficiency of the entire system otopleniya.Stalnye boilers also have their advantages. To begin with, the steel pot is always easier to cast. For this reason he deshevle.Teper about the shortcomings of cast iron boilers. Cast iron does not have such elasticity as steel, can not tolerate large temperature differences. How to determine the necessary capacity of the heating system? Correctly determine the necessary power and type of equipment, piping diagram, additional automation can only be a specialist. Therefore, the most sure way to make a calculation – contact the office. For a rough estimate on 100sq.m. heated area to 10kW of power. Boiler rooms differ from each other. Approximate calculation of boiler house equipment according to on the area you can see the type of boiler zdes.Opredelivshis can proceed to the selection of a specific brand (manufacturer). On the market today there are several dozen producers and here everyone chooses for its criteria – price, quality, size, color, country of origin, the advice of friends …. every seller (manager) in the shop 'prove' to you, that is better than what he sells – does not exist! Is it really?

Housing Step

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Among the waiting, which have embarked on a housing allowance of up to 1 March 2005, interest in for compensation of housing programs funded and growing as the opportunity provided by this category of citizens, can not wait for the approach of social housing, and use their savings to purchase housing through subsidies, or installment payment of social mortgage. This is motivated by the desire to accelerate the solution of the waiting list the housing issue through the use of accumulated funds, instead of having to wait in 15-20 years approach their turn. Only in the west of the capital last year, such programs have chosen 800 families waiting. But compensatory government programs involve a number of limitations. For example, now living areas waiting list are offered in suburban towns – Podolsk Chekhov, Lyubertsy and Mytischi. And the prospect of an apartment from the state in the mass building in the suburbs and not all are satisfied. Waiting list, have taken the housing allowance of up to 1 March 2005, is particularly convenient to participate in the program "Housing move ', because they are able to obtain from the state subsidy for the purchase of an apartment, which is one of the most attractive forms of assistance, and to choose the apartment and area of residence.

The program "Housing move 'will carry an interest-free financing the purchase, fix prices and create favorable conditions for further calculation. Benefits of participation in the program "Housing step" for both categories are waiting in the fact that the program makes it possible to stay profitable, thanks to the accumulated funds for the entire period waiting in the queue for social housing. This allows us today to improve their living conditions and thus be able to better the further accumulation of funds. These funds can be used to participate in one of onerous government programs (for the category 1 waiting list) or a home purchase in installments without% on the program "Housing Step" (both categories). In this case the family is not removed from the housing account and lives in improved conditions, while remaining in the queue for social housing. The program also allows participants to choose the apartment and area of residence. The program "Housing move" offers the opportunity to stay in the waiting normal conditions, while continuing to be on the books in anticipation of social housing. In this program participants over time also have the opportunity to solve their housing problem, thanks to interest-free Financing for the purchase and favorable conditions of residence.

Mortgage Market and World Economic Crisis

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Although, if you delve deeper into this question, it is clear that in Russia, the crisis affected the real estate market is not so much. The global financial crisis is affecting mostly in the mortgage market, although it also affected the financial aspect some developed countries. The money that was invested in the Russian housing market, previously had two sources – foreign investment and the investment of Russian citizens. With the onset of the crisis the share of foreign investors, finance significantly decreased, which is understandable. But without looking at it, remained the share of Russian investors, who also is big enough.

Therefore, experts say, changes in the property market will be, but not too large. In the field of buying and selling of housing change are already visible – housing is cheaper. However, people do not hurry to invest in real estate finance, as the unknown future price developments in the housing market. As for the rental market, there is, as analysts say that major changes should not be. Major changes in the market rent has never happen in the short term, in addition, rent is always in demand. So that the finances spent in this area will serve as a good investment, even compared to the general confusion, which was created by the global economic crisis. It can be seen and reduced demand for real estate, which is due to the fact that many buyers are waiting for t greater price reductions, which resulted in a financial crisis. Experience shows that after a significant drop in the price level on real estate, no matter what was the cause of this, then the price will still begin to climb.

And probably also occur in this time, the only question of time. Therefore, some investors are holding back in anticipation of finance even lower prices. But by itself induces reduced demand both sellers and lessors of real estate even more to lower prices. But reduction still small – 3-7% compared to last summer. However, despite these trends, the collapse of the real estate market is not expected. Indeed, about 60% of operations with respect to sale and rent – this is alternative transaction of private owners. And people consistently strive to improve their living conditions. But if the drop in prices will be as stable dynamics, it is projected to cost could fall by 8-12% until the end year, a year later% reduction can reach up to 20-25%. But again, you can not do much long-term forecasts.

Mortgage Applications

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1) Appeal to the Bank for obtaining advice on the current mortgage lending programs. During the initial consultation of a specialist mortgage covers the major conditions for granting mortgage, mortgage stages of the credit transaction, the requirements of the Bank to the subject of collateral (house, purchased by credit), will hold a preliminary calculation of parameters mortgage (Credit limits, the monthly annuity payment, the equity needed to pay for a down payment for the purchased apartment and additional costs related to the mortgage loan transaction). 2) Filling the application form for a mortgage and collect the documents necessary to obtain credit. List of documents required for consideration of Application Form for mortgage 3) Review by the Bank loan application and a decision on lending. 4) Select the apartment, checking the documents of title, appraisal of market value (in that case, the Bank of credits). At this stage, the client searches for an apartment that meets his needs and requirements of the Bank.

The Bank may advise the client contact on the flats in the real estate companies, partners of the bank in the mortgage lending program. After a positive test result documents in the apartment by the Bank and the insurance company, the customer is evaluating the market value of apartments in one of the appraisers recommended by the Bank. 5) Personal and property insurance. Client at its own expense until the conclusion of contracts on mortgage credit transaction must maintain insurance: – loss of life and disability – apartments from damage and injury – loss of property rights for the purchased apartment – the insurance companies recommended by the Bank. 6) Carrying out a mortgage loan transaction.

The signing of the loan contract. Signing the agreement of joint deposit box rental. Settlement of mortgage credit transaction. Signature and notarization of the contract purchase of an apartment due to credit funds. Signing of Mortgage State registration of mortgage loan transaction. The Bank provides for the possibility of settlement of the mortgage transaction as a non-cash, by transferring funds from an account the buyer (borrower) to the seller, and in the form of cash deposit with the cell. 7) Repayment of the loan. Repayment of a mortgage loan by the borrower in equal monthly (annuity) payments. In the case of early partial repayment of the loan amount is reviewed annuity payment downward.

Loans

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So, all this mortgage. And all of these loans are mortgages, as as collateral (security) serves real estate acquired or already owned. Why do I need a mortgage? What are its advantages and disadvantages. The main advantage is that the housing problem can be solved now, and quite fast. Can you imagine how many years should be to save money to buy a home? I suggest you an example. Young couple, we assume that they are in 24 years, decided to create a family. Accordingly, the question arises – where to live? With parents? Not really. I want to self-sufficiency and independence.

And the conditions in the father's house is not always possible. Rent an apartment? It is to live in a strange house with a constant caution, but do not ask if I move out tomorrow, and much of the budget will go into the pocket of someone else's uncle. So let us assume that our young couple earns 60,000 rubles a month. How much they can save to accumulate in the housing. I think that no more than 40 000 rubles per month. If you take into account that one-bedroom apartment is 2 million rubles, they have to save about 4 years. And this is the best scenario. And given the constant rise in prices for housing, the accumulation period could last up to 15-20 years.

Again, not the fact that it happens. After all, there is still life. And children should be delivered, and put on his feet, and put on shoes, dress, and go on vacation, and want a car, etc. And spend the whole youth on hoarding and a complete rejection of all the best in the pursuit of elusive dream of own home miserable. Here's a mortgage and gives such a chance. With an income of 60 000 rubles, you can count on a loan sufficient to purchase one-bedroom apartment. And the price is already fixed, because they have already bought it and have it live. Of course, it is necessary to pay each month on the loan. And return not only the principal debt, and interest, but they already have their homes. And to Disadvantages are, what you would pay on a monthly basis. And no matter what. You can not forget, postpone or reschedule the payment. You can not make a part payment. The second negative – it's an overpayment on the loan. Overpayment consists of the interest that accrues during the use of credit. Depending on loan term and interest rate, the overpayment can reach 150% of the loans and even more. Also to be minus mortgage include sufficiently strict requirements of banks to the borrowers. These include requirements for length of service, age, marital status, employment, income, citizenship, credit history, as well as specific requirements for acquiree or bond. Compromise between the conditions and requirements you must have to look for yourself. Now dozens of banks offer different loan programs. If you add up all mortgage loan products the banks, the list is not stretched to several hundred. Choice is which. Of course, you can turn to professional market participants that they have picked up your program. But in any case, the choice is yours. Good luck!