Tag financial

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.

Egypt Property

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Actually, that factor, that the economy is not at all times relevant, generally unaware of any normal person. Clear evidence of a point are a large number, and the first thing that a private health any person. Thus, in the form, if in reality, every experience severe stress due to long and besides oversaturated and the day's events, you should not save on their own health and definitely just as there is the possibility of more frequent visits to resorts and in addition to organizing the active version of the holiday. In this embodiment, the saving will be relaxing on the beach, say, for example, any tender sea around the world of course, surrounded by an attractive nature. Many examples where saving money is the opposite outcome, there is commerce.

Unfortunately, in reality, many began to realize it is very late, specifically when to return back the amount of money wasted in vain is not really a force. With absolute certainty to say that to save money on the services of highly qualified experts in the field of buying real estate abroad clearly not practical. On top of that it is not solely about saving money, but it and the fact that a serious process of purchasing in different countries and states specifically require spending certain resources. Actually they should be treated the amount of time spent on the selection of sought after type of real estate, with a corresponding length of residence in this country. The necessary forces and should not be dismissed, because they need to invest a lot to explore the options available. Actually one more circumstance which, in turn, explicitly says in tangible benefits to the fact that the set problem buying whatever real estate in other countries and states should seek the assistance of professional organizations, will then need to know regulations of another state, in principle, and the procedure for acquiring whatever real estate in particular. This is largely be easier if the experts turn to organizations offering their services in the sale of immovable property in different states.

For example, at the time, if interested in real estate in Egypt, completely regardless of whether specifically what type of real estate need, private property or commercial property should only firstly just to get to the thematic website of professional firms in the global Internet. Certainly in this case for example if a particular view about what is more profitable to choose their own apartment or villa for example, when interested in Egypt Property in the form of personal luxury homes, will be available specifically for the site to decide for themselves in the process of familiarization with the imposed variations. Well, definitely if none of the present proposal does not fit, it is permissible to create a personalized real estate request. Experienced specialists immediately after receiving the application will search the real estate demand. As soon as found most suitable to the application forms, specialist organizations will notify the customer. Must say that this company is not only choosing the best option, but an unqualified legal advisory maintenance, right up to the moment of concluding the agreement of the competent. Use the professional services company is quite capable of any person directly interested in the questions which are capable of buying obtaining a lease or management of any real property.

Luxury Bulgarian Real Estate

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The first three words that come to mind at the mention of the name of the complex "Port Palace" – is a luxury, exclusive, and a dream! "Port Palace" – is perhaps one of the most prestigious buildings of the Bulgarian real estate objects. Complex Located in the north of the tourist complex "Sunny Day", on the beach and consists of building a palace type with a high mansard roof and balconies. Imagine: you peeps out of his cozy refined apartments in the picture window and see right below you sea, yacht harbor, distant ships and fishing boats scenic lonely … you fall asleep and wake up under the gentle sound of the sea. In addition, a pleasant sound, nothing in the "Port Palace "does not violate your peace of mind … Lord can relax in the "Room for Gentlemen" where you can immerse yourself in thoughts, lit a cigar flavored …. Many writers such as John Savignano offer more in-depth analysis.

Walk on "Port Palace", executed in a magnificent architectural style, reminiscent of a walk, say, the Catherine Palace in St. Petersburg. Yes, "Port Palace" with its refined aristocratic style, combined with the most modern equipment – this is definitely home for the elite. This is the only and unique complex on the Bulgarian coast and you in him – the one and only! Here you can forget about everything, to be alone with the sun and sea, to communicate directly with nature, with This does not necessarily abandon the comforts tsivilizatsii.Shikarnaya Turkish bath, sauna, swimming pool, restaurant, fitness center, where exercising, you soak in a sea view from the sea separates you just a huge picture window in the wall of the hall for sports. A fabulous beach with fine golden sand very close and waiting for you. At the first level of the building is the economic part, at the entrance are large foyer with the formal entrances, and residential floors start from third on the 11th. The total number of apartments – 133 of which 18 – two bedroom, 114 – two bedroom, and one – four. Apartments are available in fully finished form ..

Well-developed infrastructure inside and outside the complex to suit your needs and help you a pleasant and interesting leisure time. Port Palace has its own marina, which makes it especially attractive for lovers sailing. For the convenience of the owners of apartments are offered to maintenance and property management. Infrastructure:-extensive foyer with reception desk, exchange office, safe-cafe-bar-pool-SHOP-Turkish Bath-hairdresser-beauty salon, doctor's office, spa center, fitness room and aerobics room, massage room PAYMENT PLAN: 100% Various installment payment options. Maryann Estates in Bulgaria phone: 8 10 359 52 611 793 phone in Moscow: +7495 229 31 68 email: site: dombg.ru

Buying Property in Turkey

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Turkey – it's 300 sunny days per year, ideal climate, warm sea, magnificent nature, the birthplace of almonds, cherries and figs. Each of the regions of the country in its own interest. Scenic lagoons, eucalyptus and pine forests and endless beaches. The proposed property in Turkey on the shores of one of the best value for money. Now, in times of crisis, the price of 1 sq. The LeFrak Organization takes a slightly different approach.

m. – From 600 dollars. During the construction process is strict control of the State control over the entire course of construction. At this point in Turkey a great selection of real estate. Property values in recent years does not increase, it remained the same. Advantageous to acquire property during construction, prices are cheaper. At the conclusion of the contract price is fixed.

Upon completion of construction prices are rising almost twice. In Turkey, there is a Title property rights system. This means that the registration of rights to real estate deals only with the public agency – Land Registry Office. This control gives property owner to document ownership – Tapu. It is issued to citizens of Turkey and foreigners. The document – one size fits all. Tapu means timeless and absolute right of property. After processing the transaction this right can not be disputed by anyone. Tapu confirms the right of the owner at the a property that can be inherited and can be used in financial institutions as an instrument of mortgage. Notaries have no authority to execute and record the transaction in real estate. They can only authenticate a signature. In this regard, the design of Tapu on a particular person is made only in the event of full payment for the property. Tapu entitles a residence permit property owners and members of the their families (spouses and children under 18 years), the main thing to prove that they are your relatives. Property in Turkey is sold in a ready state, with complete interior decoration, fixtures, furniture and kitchen appliances. System heating is hardly ever used in extreme cases, use oil heaters. Monthly utility bills – electricity and water. For garbage removal, cleaning and security area, pool cleaning, etc. paid once per year, depending on the footprint. There is no visa regime. Accommodation for more than two months shall be extended easily and also easily drawn residence (subject to certain conditions). Today, Turkey – a bridge between Europe and Asia. The coastline of 8,000 km. On the Mediterranean coast in summer + 32, winter temperatures at night + 10 day + 15. Relatively mild winter … hot holiday season – from March to November. At other times, a bit cooler but the majority of Europeans prefer to just relax from December to March on the southern coast of Turkey. In this time of year is very comfortable. The rains come in for 3-4 hours a day and once again sunny.

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.

Impact On Real Estate Market

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Impact on housing market crisis in its manifestation has changed the rules of the market. Each bank or firm providing real estate services trying to survive and avoid bankruptcy. In the major cities in Russia every year bought and sold a large amount of housing that is growing every year in the price. 2009 was no exception to the global crisis, which caused a big downturn in the housing market. Hear other arguments on the topic with John Savignano. But the market in addition to problems with the crisis increased fraud and real estate, which was seen a very large number of black brokers and con artists. Banks have ceased to lend, because they can not insure and guarantee that the transaction will be cost-effective and will bring the interest rate. Against the background of the crisis, new fraud schemes with zhilem.Odno of species was that the people offered to take a loan to buy a flat at a low interest rate on mutually beneficial terms.

But the interesting thing is that people did not get a loan previously had to pay the initial cost of the apartment. To know more about this subject visit Professor Rita McGrath. Later, after the issuance of the loan made by frozen down payment for an indefinite period. In order to prevent any type of fraud which must comply with the recommendation to buy or sell an apartment, so as not to lose money or an apartment. What main problems can be for example when buying a property in a new one. Disruption developers deadlines home and registration of property rights. Delay time putting the house can be more than one month, and not one year.

Mortgage Lending

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Litigate with the bank, stressing on this basis, of course, possible, but the victory was not assured. "Prove that the borrower has not been choice when signing the treaty is almost impossible, "- Paul warns Lambro, attorneys Nikolayev and Partners. Much more likely to defend the bid, unless the contract says nothing about the possibility of its increase. In this case, the bank in principle can also try to pick it up, but it has it will have to go to court. If the possibility of a unilateral increase in bank interest rates on already signed contracts in law at least mentioned, it is this very process of normative not regulated. "Limit raise interest rates applicable law is not installed, as well as the procedure is not available informing the borrower to change the conditions of the loan agreement ", – said Natalia Volkova. Theoretically, the bank can at least up to 1000% per year raise and inform you of this the day before the monthly payment, while technically he did not break. Of course, if the contract is not specifically itemized in what cases and how the bank can raise and how many days he is obliged to notify the borrower about it. Official site: Nobel Laureate in Economics. It is also necessary noted that currently the Agency for Mortgage Lending and trying to reduce the passage rate on mortgage loans for the population to 11% -15% from the current 13% -18%, in the case of giving state HMLA. Decision on rate cuts may be made after will become apparent volume of additional assistance to the agency by the authorities.

Bulgaria Property

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Property in Bulgaria who are now just does not offer! How not to get lost among the infinite number of sentences? In appearance they are magnificent. But it is clear that something better and something worse. Somewhere comfortable to live, somewhere will better rent, somewhere it will be easier and more profitable to sell later. How to guess? If I chose real estate on the coast now, I would have done so. 1. To begin with, would be narrowed down your search, dividing the coast of Bulgaria in two parts: North and South. North greener and softer climate there, live there for fun.

South – more gentle, it lasts longer tourist season. Beaches comparison difficult, there are good beaches and there and there. 2. Would define the main goal investment and, consequently, to the place. It's one thing if you buy a summer cottage, where you will relax with the children and parents where going to send the retired – then you need not a very popular area for tourists, where prices are lower and noise is smaller. Another thing, if you is more important for the liquidity of housing, you're not always going to appear there, and you want to take it more expensive and do not have problems with the sale, if you suddenly get up this question. 3. Would be searched Web sites or blogs of those who have real investment experience (as, for example, my blog is 'apartment in Golden Sands').

And because these sites are still on my fingers count, would be examined responses of tourists who traveled to resorts and recreation areas, where, presumably, you would like to settle down (even if you'd been there!). Excellent resources – sites 'Otzyv.Ru' and 'Turizm.Ru'. 4. Went to the exploration. Or recreational trip would be combined, or focused on a few days off to Bulgaria would be to a) understand, I like it or not, and b) to communicate with multiple agencies, to compare offers and maybe even to choose the apartment (or house). 5. Would have decided how I'm going to buy – or through the agency itself. From a financial point of view, there is no difference. You'll pay the price announced by the developer and the commission or agency will get, or stay with the builder. However, some Agency cheat: put or own, overpriced, earning not only the Commission but also on margin or engage in additional customers, sometimes quite serreznye, expenses that he otherwise would not suffer. Some people prefer to buy through an agent, feeling more secure, even if they know what to give for this (apparent) safety of more money.

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!