Tag financial

Buy Estate

Commenting is disabled.

Post Content

Plan to buy an apartment and get a choice, seek their own apartment, prevlekaya for this estate agent, or still go to a professional … But if you own, then the risk to remain without an apartment and no money, but if handled in a real estate agency, then surely he must pay for services and a lot, and part with 'blood' oh so you do not want … This conventional wisdom, no? But the reality is otherwise. In a good real estate agency flock information about apartments for sale in Moscow or the Moscow region from a variety of sources, including information about apartments for immediate sale. Can you guess what I mean? They appear in the first information about all the new apartments and to whom they offer them? That's right, customers – their customers. And the apartment is in urgent sale prices are reduced, simply because it is urgent. Profitable? Profitable and more like … Now more …

Found an apartment, and who will check you? And know how? Can not go wrong do not forget, do not miss? Serious real estate realtors over the years of his teaching, constantly on the training courses are sent. Documents and information to the transaction checks first for a realtor, then Briest, then apartment inspects security service agencies, and only then flat 'pass' on the deal. Can check the same? And in the transaction to transfer money, you can all the same to organize themselves? I think not … So You save by buying an apartment on their own doing? never mind, just undergo the risk to remain without an apartment and no money, so think, and whether you should take the risk?

Distant Cottages

Commenting is disabled.

Post Content

More recently, the capital buyers are more interested in showing to the chalet, located in the 80-150 km from Moscow, the so-called "Far summer cottages." The fact is that at the moment cottages, which are located within 10-30 km from Moscow, heavily loaded and polluted, and the remote villages and sites allow potential buyers to feel the impact of a favorable environment and please the eye with beautiful scenery. Many prefer purchase such sites, and more because the cost is comparable to the cost of an average Moscow apartment. As the Director of Investment Consulting and Analysis Agency Featured Property "Manor": "The most attractive factor for the buyer's summer projects is the presence of" big water "in close proximity and easy access to transportation projects with the arrangement, but at the same time sufficiently remote from large settlements. " The main factors for the development segment "distant cottages", which started 3-4 years ago, were as follows: A large amount of undeveloped areas, at this distance from Moscow (the 80 km from Moscow), development of land market low land prices, increase income and promote an active Moscow civilized rest of town, the natural characteristics of rural areas located far from the big city Transport accessibility in terms of size suburban residence. The volume of deals as of July 2008: Simferopol direction (p region.

Oka) 2000 cottages. Kiev direction (Kaluga region), about 370 cottages. Leningrad area (Volga River, Ivankovskoe reservoir.) 240 cottages. Minsk naprvlenie (Mozhaiskoe reservoir.) 130 cottages.

Turkish Property

Commenting is disabled.

Post Content

End of the past and the beginning of the year was marked by fairly unpleasant events. Many developing countries had the rather dismal situation. If, however, put it more precisely – the pre-revolutionary state. Even not having sufficient information, understand how it affected the property market in these countries. But for countries whose policies were more mature and responsible, the current world situation is positive role. There was a significant outflow of capital from the so-called "volatile markets". Investors are required to identify new areas of the capital.

Turkey was one of the leading candidates for investment of free resources. In this state, located at the crossroads of Europe, Asia and Africa over the past few years have witnessed an unprecedented economic boom in the country there was an investment boom. Large employers to implement various infrastructure projects and small private investors have found their place in the evolving real estate market. At this point, many entrepreneurs have already noticed opportunities that are opened in front of them and do not miss your chance. There has been unprecedented growth in sales of apartments in Turkey.

Professional speculators used all possible options to purchase the property prior to recovery of the market. There is no doubt that he would soon begin, as more and more investments leaves and enters the unstable regions in Turkey. The good news is that this investment in one of the first festival roles played by Russians. They know how to skillfully make money even with an unstable economic situation, and this situation is for them just a great gift. If you have made investing in real estate market in our country or foreign countries, you should definitely look to Turkey. That chance comes rarely. If determined to buy an apartment or villa in a resort region, it's worth do it now. In most cases these items are resold in a few years. It is therefore worth to benefit from it for a maximum benefit. Despite the purported goal you have, it is recommended without immediately implement the investment of their savings towards win-win assets.

Loans Savings Dramatically Cheaper

Commenting is disabled.

Post Content

Consumer and mortgage loans in the Savings Bank will become cheaper. Mortgage rates will fall by almost 1.5%, to buy a car – on 1,5%, education – 5%. Thus, one of the largest state-owned banks is going to return the interest of borrowers and to restore lost in 2006, its market share. In addition, bankers must as soon as possible to get to work the money raised from the IPO. 2 May 2007, the bank reduces rates on retail credits to the population on 0,5-5%. Education loan in rubles would cost 12% instead of 17%.

According to the press service of the Savings Bank, the rate on loans for acquisition, construction and repair of real estate in rubles will be from 10.25% pa instead of 11,8%. Credit for the same purpose in dollars and euros will cost from 10.75% per annum instead of 12,3%. Additionally, on these loans increased the maximum loan term from 20 to 30 years. Car loans will fall in price by 1,5%. Loan (any currency) to buy new cars can be brought under 9% per annum instead of 11,5% for a used car – from 9,5% to 12%. The interest rate will continue to depend on the size of the loan term and down payment. Exactly Savings expects to increase the activity of the borrowers.

Now the average market mortgage rates are 10-11% in dollars, but on a car loan – 9-10% per annum in the same currency. Dollar Savings rates are now within the market. In However, his new ruble tariffs on car loans are more attractive. These changes will allow prospective borrowers to reduce the cost of borrowing. Interest rates fall on 0,5-1% really makes loans cheaper for the borrower, such a move on the part of the Savings Bank – an attempt to regain lost ground in the credit market (only in 2006, Sberbank lost 7% of the retail lending market, its share declined from 44 to 37%). This decline was due to the excessive formalism of the Savings Bank – ceteris paribus for the loan Savings requires more documentation. Savings Bank rate cut may be beneficial only to the focus on recovery market share. Sberbank motivates the need to make money work as quickly as possible – by placing their shares in Sberbank raised about $ 9 billion. Now he must quickly distribute the money so they started working. Sberbank is easier to lower interest rates than to develop specific conditions. In this case, we can continue to attract customers a standard set of benefits (wide branch network, trust, reliability) and add the reduced rates. But the excessive demands on the number of documents of the borrower – will remain!

Subtleties Of Buying Property In Spain

Commenting is disabled.

Post Content

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. 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!

Guardian Council Apartment

Commenting is disabled.

Post Content

If not – please specify when the be released. In the case where the owners just sold an apartment, it is best if they are discharged to the sales transaction. If they are just like you change a flat, then they will be discharged to an alternative apartment after the sales transaction. Is there a property or minor children are registered. Many refuse these options for fear that children may eventually challenge the right of the apartment. Yes this is possible, if children's rights will be infringed.

Permission for the purchase and sale of real estate, in which children are the owners or register gives the board of trustees. If this permission, then there is nothing to fear. Obtaining permission to Guardian Council will take a period of 2 weeks to a month. Time for selecting the alternatives and reach a deal you have is limited. Check whether you have time to date. If not, you should discuss with the buyer the possibility of extending the advance agreement. One last important point.

Ask what the situation is the seller selected an alternative apartment. The best option if the apartment just sold, so-called 'Free sale'. The owner needs money. If so, after the advance payment for an apartment, all the parties begin preparations for the transaction. If the seller, as you change your apartment, you will have to wait until he will select alternative currently. And not the fact that this version will be free. It may happen, and so that the owners of the apartment you chose, travel to some areas.

Owner Transaction

Commenting is disabled.

Post Content

4. Receive calls and display of real estate – the owner received many calls and it seems that this demand, but 90% of the calls it, or realtors, or brokers, and in fact you only need the scoring calls. On inspection of the realtors come, too, is without customers, a good realtor will come for a visit and offers an exclusive agreement, and show that it provides. Think about whether you need just looking to just go, trample, watch and take away your precious time. 5. Agreement on the advance – it seems the owner of conventional bill, and everything will be fine, but it is one of the important documents on your transaction, and if You need to exchange and consolidate the whole chain and to provide all the details. Are you ready for this? 6.

Lost time on the preparation of documents, because this step can be performed much earlier, and if you know what to do in what order, where go, who to ask for than this, which prove its case. 4. Unsafe transaction – in fact you do not know until the end, how to complete the transaction and how to calculate, whether you will make a contract of sale, whether there typos and errors, because after calculations, if you are called to the FRS should fix everything. The second way is suitable for people who do not feel competent in the promotion of their own property and to the same limited amount of free time.

Real Estate Purchase?

Commenting is disabled.

Post Content

Unfortunately, ended days when real estate was actually obtained from the country. Private house on the ground or floor space in high-rises – the limit of dreams for many residents of the Primorye Territory. Realizing the complexity, as well as find the place in public life, it is hoped that soon the time our countrymen will be able to afford to buy an apartment a little easier than in the current period, or will be provided property state. The current generation of Primorye in the main their number, reside in the apartments, which went to the Heritage, a mother with her father. And they, her father and mother, living space has given the state at one time very long. According to experts Portal doma25.ru, at this time in Vladivostok, a deficit of housing, old houses come into uselessness, and eventually give the Heritage would be nothing. Specifically, this applies to homes in small cities and towns. Management firms, including condominiums and not enough money in order to carry out basic repairs, and talk about capital, there is not even necessary and absolute. To buy an apartment in new funds are needed, which, taking into account the level of wages, to earn a hell of a long time. And for many, this accumulation is not likely. Long-term loans are also available just a few. In examining what was and what there is, it is possible to assume that the problem of buying an apartment or getting soon be solved significantly easier. That is only when such “Soon” will – no one knows. But better for the residents of seaside apartments are obvious. Oh, if we had not tried, but only to get more money, and seriously thought of as being used own compatriots and countrymen. Perhaps in this case, the course of the task was carried out soon. However, money is needed each and can not be much. Yes, and they may be necessary, for the same houses and apartments. For their own families, for the sake of their children and grandchildren. In every subject or specialization – there is no panacea. The same also applies to real estate. Everyone seeks out for himself some original, and often exclusive right way, in order to buy a house or apartment. However, the state still has, though used to some extent fulfill the support of their own subjects. For example, a variety of grants in the amount of one-fourth or fifth the price of the home. Let them in the first place is not for everyone, without exception, a special hardship. Having a certain sum of money on hand, subject already has something, he has a “source”. He is able to go to a commercial bank or use the shared construction. Subsequently, this subsidy is quite possible it was used back in the form of monthly payments the country. The state of stress in what is a subject not having a home is not profitable to anyone. Being confident in the future and support the bottom of their homeland, every man will be stronger and healthier country.

Inheritance and Property

Commenting is disabled.

Post Content

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.

Housing Step

Commenting is disabled.

Post Content

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.