Tag financial

House Purchases

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You decide to buy a house in a newly built cottage. You were attentive, and studied the documents and listened to the advice of independent experts. Made to the contract terms, as protecting your interests as well as described in the article "Buying a house with a plot in the cottage." You signed a contract with the developer funding the construction of a cottage and gave the money. And the house is built, and the developer says that comes to renting operation, measurements and BTI dooformlenie missing documents. Now we need to take control of the process. In an industry where the real yield is between 200% and more, we should keep an eye on, especially since the money you already paid, but no property rights have not yet purchased – just claim, but also must be able to claim.

What you need to find a builder? Made a division of a large area into small cottage community? Obtained in a separate site area, which is described in your contract: land area, its shape, the yield on the intra-road location in relation to the outer boundary of the site and so on? If the selection has occurred, you must present an extract from the cadastre, which consists of the forms B.1., B.2., B.3., B.4. Here you can be sure that the site is really the desired shape and size. After that, ask the builder of the presentation of certificates state registration of the builder on site with cadastral number, which stands in the extract from the cadastre. Now we should ask the builder a question: when would be a contract of sale Plot? Most likely you will say that simultaneously with the signing of the Transfer Act in the House. There is nothing wrong, just then it should be clarified in what stage are the documents at home, as well as that of which there are The developer that is ready to show you. "Cheap and cheerful" or "Expensive, but safely?" Seeing and holding the hands of the documents, you can proceed to sign the transfer deed to the house, contract of sale of land and The act of transfer of the land.

But first you must decide in what form will sign these documents – in a simple written or notarial. If you choose to form a notary, the notary will again look documents. The treaty will not allow non-legal terms that violate the law, will confirm the transaction and the identity of citizens, its perpetrators, establish the legal capacity of legal entity will be able to testify legality of the transaction in court if a dispute arises. Notarized the deal much less contested. Copies of all documents of transaction will remain in the affairs of a notary and will be kept forever, which means you will always have another a place where you can get them in the event of their loss. Notary services cost money. And the theme at least for safety and cleanliness of deals worth paying. Developers usually do not have anything against transactions in notarial form, but never agree to participate in the cost of the notary. Question: "Who pays for the notary?" Is not worth it. Who needs Pays

Loan Conditions

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In turn, the bank's employees working remotely (in supermarkets, household appliance stores) do not tend to pay attention the quality of their work because they are motivated solely by the bonuses from each of its loans and an additional service connection. Thus, we consider the above situation. Mistake number one neglect reading and the process contract execution, as we learned in Artem carelessness when signing the loan agreement regardless of the amount of the loan leads to unpleasant consequences. In this context, is strongly discouraged absent elsewhere, especially for an extended period, until such time as you read, refined, and signed all the papers. More info: Philadelphia Condos. Leaving without proper attention to process your contract, you relinquish some room for abuse of credit specialists, for example, it costs nothing to the already approved loan application to write life insurance, or put a tick in the production of maps that will lead you to additional costs, and for these additional bonuses. Usually, loan agreements "Express" made fine hard readable text contains references to the so-called "General Conditions for consumer loans," Procedure provision and maintenance of credit cards, "" Rules of insurance against accidents and diseases, etc. Typically, the borrower reads these items, without requiring access to documents to which this paragraph refers, in advance agreeing, for example, to pay fees for so-called connection to the insurance program at the rate of 0,8% of the loan amount each month (thus, the annual interest rate on the loan does not meet the declared zero, and turns to 9.6%!), for issuing a credit card and direct debit from the set of her credit limit (in our case – 7600 rubles) penalties for late or early repayment of the loan, and as a consequence, for the payment of percent for use on credit card interest rate of 22% agree that more profitable for the bank, compared even with veiled rate of 9,6%. . To deepen your understanding Elie Rieder is the source.

Real Estate Agency – Estate Services

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Real estate agency – Universal Service 'Universal Service' working with experienced lawyers and notaries, reliable insurance companies and banks. Its customers, we guarantee the purity of the sale Real Estate, its security and anonymity. Turning to our agency, you can pick up a version of the housing and if necessary, arrange a loan for its purchase, and get expert advice. General Services Agency of Property: Buying, selling and renting real estate. Over 5,000 variants of apartments for sale and more than 100 variants of apartments for rent in Zaporizhzhya. Houses, cottages, villas, land plots in Zaporozhye and Zaporozhye region. Exclusive photo catalog with many different pictures of the property.

Offices, premises for shops, bars and cafes in different parts of the city of Zaporozhye. Free legal advice. Full legal registration of the transaction. Services of an interpreter when you make transactions with foreign customers. Expert appraisal of the property. Authentication of identity documents of citizens by Main Department of Internal Affairs.

Conclusion of exclusive contracts with vendors. All forms raschetov.NEZhILOY FUND Zaporozhye commodity exchange "Universal-97" real estate "wagon – Service" offers Sales, rental of commercial property: STORES (retail spaces, lounges, billiard, hairdresser) CAFE (snack bars, canteens, catering, restaurants, bars, saunas, hotels, recreation centers) Offices (offices, apartments, rooms) STORAGE (hangars, shelters, garages, basements) PREMISES UNDER PRODUCTION (food, clothing, carpentry, welding, construction, repair, service stations, car washes, tire, etc.) Non-residential premises are located in Zaporozhye, and are profitable commercial real estate, as in the agency's database has facilities located in the Crimea, Kirillovka, Berdyansk, Primorsk and other conditions of work of the agency include a variety of options, Depending on order: Selection of non-residential property lease options (independent work on the client price list) is a fixed cost – eighty UAH., the term of such contract – three months. Selection Customized options (work with the agent) is 50% of the monthly rent, one-time, depending on the value of the property, this service includes a complete inspection of documents of non-residential premises as well as verification of utility debts. Selection of options to purchase real estate (handling agent) 3% of the real value of the property and also includes full training, checking of documents. Database agency has for 2007 objects 5836 non-residential property in the city of Zaporozhye, which is updated daily. In the database there is the following list of facilities rental of residential, nonresidential Apartments (1.2 floors, plinths) Sale of residential, nonresidential Apartment (1st floor, pedestals) Rental of commercial property (podv., n / rootstock., plinths, 1 floors) Sale of non-residential premises (podv., n / rootstock., plinths, 1 floors, freestanding building) rental-purchase, bank kredit.Prihodite to us, and we will find you best choice of real estate. Real Estate in Kiev – Universal Service

Buy Estate

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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

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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

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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

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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

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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

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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

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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.