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.

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.

For many investors from countries that are affected by the credit crunch, such as Great Britain and Ireland, the purchase of such land is beautiful investment strategy. Well, now understand the advantages of buying land on buying property – no maintenance costs, tenants etc. And what about the disadvantages? The obvious disadvantage to investors who immediately apparent is the fact that the land does not bring a regular income, therefore, can not use borrowed capital for its purchase or loan capital to increase profitability. You are absolutely right. Exactly therefore the business model Landcorp International received such a success. Investment capital of our customers is used in conjunction with a capital development company for the building, thereby increasing the value of the land. We offer excellent value for money, starting with the 18 400 Canadian dollars / 12 150 Euro *, and thus providing an attractive market opportunity without borrowing, which simultaneously meets the needs of real estate companies.

You also need to cancel that these prices are not affected by the credit crisis because investors do not depend on rising costs and dwindling resources, the mortgage in the UK and abroad. Do not risky such purchase of land in the hope that it would be received valuable planning permission? More like a game of good fortune. And if you get planning permission – it has already been settled, will not affect whether it's the price? You heard the saying – nothing ventured, nothing gained. However, the land we are putting on the market was already zoned for development, so the probability that the building permit is obtained, is very small.

After analyzing all the important factors affecting the cost of land is determined by its NEI, which is determined by the response the following questions: 1. Is the intended use of the rational and probable? 2. Is the use of legitimate or is there a reasonable chance that you can get a legal document on the right use? 3. Is the property physically fit for use? 4. Is the intended use of the financial feasibility? The market value of the right to lease depends on the powers of the tenant, the term operation of law, the right to lease encumbrances, rights of other persons on site and the purpose (permitted uses) of land. The cost also depends on the expected magnitude, duration and probability of income from the right to lease the property for a certain period of time with the most efficient use of it. The first phase of work begins long before handling the customer in evaluating companies. First, need to make sure you have all the title and certifying documents of the land, their right legal form.

This step is performed to determine the legally competent object of valuation appraiser, a detailed description of the rights to it, the various restrictions and encumbrances. In the absence of the documents necessary to enter certain assumptions in the delivery of services, which could affect accuracy of the calculation. The second step is to transfer documents in evaluating companies and photographic images of the property (the land). The most common misconception about the customer that an assessment can be made without examination of the object. But it's not entirely true, although the law and there is no clear indication of inspection. The most important factor is the evaluation date (the date as of which assesses the value of the object real estate). An example is given for a single household for a better understanding: as of yesterday on the land, located a new cottage, but it is now burned.

The market value of the object, of course, has changed. Thus in If the assessment without examining customer can submit the documents on homeownership and home in fact. Accordingly, an examination is mandatory in all cases except run the Expert conclusions (document expressing the opinion of appraisers, who performed in the free form and does not have proper legal force). The third step is the hard work of appraisers, the implementation of its stated objectives. Test run a report on the assessment of land (plots) and payment services. Typically, the cost of work starts from 10 000 rub. The only recommendation that can give – do not chase the cheap, and do not be afraid to contact the a small but rapidly growing company (a company in St. Petersburg is the appraisal company "Capital Assessment"). Good indicators are: the presence of additional certificates from appraisers, evidence of participation in seminars. When you contact the company must prepare an assessment following a package of basic documents required for qualified: Certificate of registration of property rights (or other rights, such as the right to use) the land; Cadastral plan of land; details of encumbrances (long-term lease, mortgage, etc.) If the plot has a building, structure or improvements, provide the information for each facility improvements.