Tag Archives: financial

Real Estate Consumers

Based on the appeals of the Commission for Real Estate Consumers' Society of St. Petersburg and the Leningrad region, five sets of issues – utilities (29%), issues of effective management of real estate (18%), leakage (17%), TSG / HBC / CSW (9%) and target housing software (7%) – the most troubled residents in the first quarter of 2010 goda.Svet and water among the main complaints with the Commission on the utilities can distinguish complaints of illegal actions of the Company "Petroelectrosbyt", which tests the rules of use of electricity by breaking the law and recalculated at higher rates for allegedly unaccounted for consumption. Most of the Commission treated elderly people, who for so-called bezuchetnoe power consumption due to a faulty meter payments accrued from 10 000 to 22 000 and above. The absence of seals on meter readings controllers regarded as a violation, regardless of whether or not the act of the service organization to lift the seal, and account for electricity produced by their standard. But it completely ignores constant amount of electricity consumed and that pensioners who regularly paid for both before and after the fault.

Another thorny question that interests customers – installation and operation of counters on the water. By installing the water meter in their apartment, a resident of the house that does not have a common accounting unit, is faced with having to pay not for flats metering devices, and according to the standards. Consumers are not aware that the fee for hot water and heating is charged according to the standards of a square meter, or according to established accounting unit and the invoice HOA / HBC from the heat supply organization is exposed to light gigacalories provided design capacity. The result is that money going to property owners with less than they should pay the provider of water and heat. The difference in the testimony of HOAs must still compensate for it. Pay obschedomovoy overruns, that is actually reimbursed neighbors, paying utility bills a fixed amount, requires owners of counters ruling of the Federal Government 307 of 23 May 2006. Read more …

No Downpayment Mortgages

Do not have a certificate from tax? Then do not have illusions. Passers banks do not serve it. However, such programs do exist. Banks, and the truth declaring a mortgage without a down payment. But you need to take a consumer loan.

That is, the initial payment will still be. Only money is shifted from right to left pocket, and a much larger interest! C first glance, the difference is not obvious, but let's try to understand why the bank did not give a simple mortgage, without complicating the scheme, and not confuse the customer? How would say Dear Mr. rods: and let's try pozrit in the root. Why is all the banks rushed to issue mortgages? And why not so long ago, this mechanism worked with a large scratch. Consumer loans were given the banks themselves. They gave their money. AND risk themselves.

Mortgage is another matter! Mortgage loan itself is the subject of reliable collateral. And the banks were to use this mechanism on all cylinders. The bank issues a mortgage, and immediately under this loan, that is to your obligations perekreditovyvaetsya *** on the market of cheaper money. Your bank returns instantly. No risk, but still receives a percentage. However, the issue of lending is the bank itself acts as a street beggars. If he can not provide a convincing argument that you are creditworthy, then the security of your mortgage no one will give the bank money. What lending rules and regulations – is a closely guarded secret, but it seems that for those who will perekreditovyvat bank also needs serious guarantees. But such guarantees reliability of your loan is just the first installment! And you want to issue a bank loan without a down payment, but nemozhetsya – on such borrowers like you, it does not perekredituyut!. And then the risks will be responsible for yourself. What a banker in his right mind would agree to that!? But oh, how to get protsentiki want … Here and came to the aid of a cunning Mortgage and consumer shemka. The Bank issues potrebitelstky credit. You pay for his rabid interest. But in one window. Then the money will go to another window in which no one asks about the history of their origin. And so, according to the documents you no longer a bum off the street, but quite respectable man, who was able to save money, and therefore able to give all the rest. That means it can take an apartment on credit. Bank knows the price of your respectability, but whether it will be recorded in the mortgage agreement? In that agreement, under which the Bank in the interbank borrowing can get perekreditovku? The outcome for the bank just wonderful. Not only that, he gets to you interest on the mortgage. Moreover, it removes the risks. Not only did he quickly returns his money and then lets them in turn. The Bank also "inscribes" you into an expensive consumer credit, from which the additional cuts interest. And yet, in all honesty, it is still the bank is no risk. Remains the most reliable guarantee of your home. Which is easy to sell if you can not bear the weight of mortgage and consumer loans. We wrong? Then why the bank needs is a curve diagram? Why would a bank do not give a direct and simple mortgage. Without it, no down payment. Huh? Article from Satya: Mortgage without down payment

Buy Apartments

And in May 2009 in Bulgarian property remains the most popular and in demand among Russian investors, reports show web sites and portals for real estate. Saving sustained interest in this property countries can be explained by a very prosaic – the price of real estate in Bulgaria, especially after the price cuts on almost all real estate markets in the world, due to the financial crisis came on – are the lowest around The European Union. We can say that the global financial crisis that began two years ago with problems in the U.S. housing market and U.S. mortgages, had a major impact on the real estate sector. In some countries can be seen double-digit fall in house prices in one year. Leaders in this regard are Latvia – reduced prices by 48 percent, Dubai – reduced prices by 34 percent, Singapore – reduced prices by 23 percent and Iceland – reduced prices by 20 percent. Property prices in Bulgaria have dropped by an average of 11 percent.

Falling prices in Bulgaria is not as dramatic, because until the beginning of the crisis the Bulgarian real estate has been one of the most inexpensive in the world. At the beginning of the century two-bedroom apartment in the big Bulgarian cities cost 12-15 thousand dollars, and an old house in the village and you could buy for 5-8 thousand dollars. Now the cheapest of the cheap apartments in Bulgaria – it is More apartments in unfinished buildings. Buying a home in such a complex course carries the risk that it may, the building will remain unfinished if the developer did not provide a financial means to start the financial crisis. The risk exists because the banks are now very difficult to make loans to both individuals and legal entities (companies). On the other hand, if the developer has no problems with financing the construction, he can not afford actually lower real estate prices due to lower prices on virtually all building materials and reduce transportation costs. While the apartment can be bought in installments for a period of 3 to 5 years. If the buyer does wants to buy a very inexpensive holiday property in Bulgaria, except for purchases before completion, it must also prepare for the fact that his apartment will be located on the first and not even on the second line to the sea, and somewhere a few hundred meters, and even one kilometer from the beach.

While this is not the most spacious accommodation in the world and will have a real living area of 20-25 square meters. The apartment, really, you can buy for 10-15 euros. Visit Growth Strategy Expert for more clarity on the issue. Price an apartment in Bulgaria is really low, but, nevertheless, on completion the accommodation will be part of a complex of closed type with all the amenities – all year round protection, swimming pools, spas, salons beauty, restaurants, bars, parking lots, etc. The closer is set to the seashore, the higher the prices of apartments located in this complex. Despite higher prices, the most sought after and are still apartments in resorts on the first line to the sea. The first line means that the distance from the complex to the beach varies within 5-30 meters. From most of the apartments in such buildings is a good open sea panorama.

Self Service Valuation

Score One car is an important criterion for evaluating a car – your age. Male adolescents most often find themselves in an emergency. But drivers with experience and a lot of these situations. Smoking and alcohol intoxication – are the main causes, and which resulted in accidents. Evaluators car first of all pay attention to this situation. Evaluators car take into account how many accidents happen on your own fault, as injured passengers have on your conscience. If we ignore the safety rules (do not wear seat belt, etc.), you thereby expose their lives at serious risk. Some riders, for example, do not consider it necessary wear helmets, so that among these drivers is great mortality.

Always check the airbags in their cars, because the cabin you carry any of their relatives and friends. When assessing vehicles plays a big role – a place of residence. This factor affects the level of vandalism and theft. After all, the relevant damage to your vehicle accidents that occurred as a result of rough or snowy roads, as estimated by insurers. Any such payments situation increases. If emergency involving your vehicle occurred in the payment period for a loan, the insurance company puts forward a number of factors to assess the car's age car, its value, report security, etc. It may also be taken into account the color and brand. Then comes a full assessment of the accident.

If you do not like something in the car appraiser, you can always stop the car insurance. Be careful not to fall for tricks fraudsters. Bruce Schanzer Cedar Realty wanted to know more. Article provided by 'Accounting, Tax and Law': assessment of the car, land valuation, valuation of apartments, commercial real estate assessment, evaluation of equipment. We'll hope that everyone who reads this article, emphasize to yourself that something useful.

Investment Funded Housing Co-Ops

However, with this comes the risk of stopping the construction of which entirely at the shareholders. In order to reduce this risk, and protection of shareholders, at the legislative level have been limited to investment-funded housing co-operatives in the new buildings – at 20% of the mutual fund of the cooperative. In To improve reliability and exceptional risks of unwanted program "Housing Step" allows you to purchase only the unfinished housing, which may be issued in the property or real estate in the secondary market. So way, participants are protected from failure of unfinished and deadlines objects. Number 6 in the co-op shareholders on the storage stage does not receive any benefits, except promises of the loan.

Shareholders do not receive income of money invested, which by virtue of inflation permanently impaired. The members of the cooperative are required to regularly pay the membership fees rather big. In the program "Housing move 'buyer-tenant as a party under accumulation, is able to benefit live in the apartment and, accordingly, solves its housing problem. The program "Housing move" has no entrance, membership, shares, fees and commissions. Amount and timing Program participant fees, speaking Purchaser shall itself determine the basis of their abilities. Making parallels can be seen as defective, as compared with the program "Housing step" position of the shareholder to the cooperative stage of accumulation funds, where he receives nothing in return on investment and still required to make regular tangible membership fees. The program participant under accumulation (buyer-tenant) pays no membership fees and income from the investment pays for most of the cost of living in an apartment.

Housing Market

Where would we not given up life, whatever we do – work, or relax in nature, sitting in the cinema or swimming in ships – various places in which we find ourselves temporarily become our home. But still always come back to that one and only spot where we comfortable and cozy, where everything is familiar, where you can relax and quietly relax your body and soul – this is our beloved home! House – a concept for people so naturally, like earth, fire, air and water. This is the fifth element, it is always with us, as a turtle with its shell. For many rural and urban residents in the territory of Primorsky Krai question to housing solved the same way: in the executive committee or the company must be registered in the apartment turns, and the government pledged to provide us with shelter (under the Constitution, "the citizens of the Soviet Union have the right at home ") in accordance with the capabilities of the executive committee or the company. While waiting for the realization of this right many people have had for many years, and in some cases and in all my life.

While acting state control over housing intended to ensure minimum need for housing low-income population, which (until the mid 60's) owned almost everything. Build your own house could only be one. The state ideology of "caring about every" actually remained only a declaration, and could not fully solve the housing problem. In fact, the reality of our comfort were initially barracks, utility apartments, family hostel later.

Real Estate Profits

Today, renting and selling of real estate brings good income. And it is not surprising, since such a contribution is much more stable. But we must at the same time bear in mind that a not insignificant role in this matter is the right choice. That is, country, city, even the area where you are going to acquire this property. The first thing to think about it, for what purpose you need a house or apartment. At your disposal 4th option. First – you need a real estate simply as an investment. You do not going to either live in that house, rent, not to make a resale – long-term investment.

The second option – properties needed in order to lease it to a small income, but stable. The third is real estate, buy in order to then make a resale. For example, you can buy apartments in new buildings and when the object is ready, sell it, since the price has to increase substantially. We all know that Under construction cost is lower. We refer to the fourth estate, which is bought in order to live in this house or apartment. Regarding the latter must be noted that you should focus only on their preferences, wishes, likes, because you live there in the future, and may even work, so it is worth considering. If you seek to lease, then the principal in this matter may be called the location of the building object.

It is best to choose the resort areas, metropolitan areas or cities, where many foreign firms, educational institutions. Since it is in these places rent demand anywhere else. Type declaration: 'Apartments for rent' for a long time you look for do not have to, you will immediately look for their customers. Oh, and please note that the price in such areas are much higher than in the small town of unsociable. For those whose aim is to make money through the resale, the best, as we said above, to buy housing in the new building, as You provided in this case profit. Of course, you may hope to own experience (if any). Under this option, it is important to consider the economic and political indicators in the country now and in the future. Let's certainly a property in the breakaway republic can not give you any guarantee instability in the country is reflected in the cost of housing. Do not forget that buying a property – it serious step and not everyone can afford such an investment. But remember the existence of loan programs. Mortgages gained popularity among people today, it sometimes help is invaluable, because the only way you be able to fulfill his dream, to improve their living conditions.

Borrowers Quot

Do not rely on special cheapest: buy a flat, to example, in the five-storey, you are unlikely to come out – did not agree with the bank to which the planned demolition of the house (by the resettlement program) will create a lot of additional problems with the re-issuance of credit. 4. Sign your NEGLECT loan agreement only after a thorough review of its content, find out all of its rights and obligations. Particular attention should be paid to the conditions of early redemption, a system of penalties for late next payment cases in which the bank can demand immediate repayment, the possibility of revision of rates and other important "stuff". Ideal – show a good contract lawyer. 5. Forgetfulness Avoid make monthly payments on the loan without delay.

For each day of delay penalty is charged (0,2 – 0,5% of the amount of missed payments). And with regular delays, even minor (for example, a couple of days three times a year) the bank may demand early repayment in full. In addition, accuracy in making the monthly payments you create a reputation that in the future can do a good job – when there really serious problems the bank likely will meet disciplined borrower. 6. Avarice Borrowers with experience advise beginners always keep in reserve 2,000 – 3,000 dollars. Mortgage is full of surprises – it is possible that the bank after the conclusion of the contract strongly recommend you to use a particular appraiser or insurer, though prices of these companies will certainly be very different from the average. Possible and surprises from the realtor, so do not expect all the butt, be sure to leave a "strategic" reserve. 7. Haste attractive at first glance, the conditions of mortgage programs, on closer examination may be not so beneficial to the borrower. Declaring a lower interest rate, banks often compensate for "lost profits" through a variety of additional fees (for example: payment for the provision of credit, Commission for maintaining accounts, etc.) Also, keep in mind that the percentage of the loan under a gray salary will probably be higher than the minimum specified in the advertisement …

Credit Decisions and Debts

If it is possible, and it does not provide for penalties (and perhaps because – carefully read the contract) – a chance to save on interest by returning to the bank of the debt ahead of schedule. Now, if the decision to get a mortgage was strong enough, let's talk about the mortgage conditions. Of course, it's general conditions, each bank can change them or add to it. So: – the credit is granted and repayable in rubles – the term of the loan – from 1 year to 27 years old – loan repayment – monthly payments in equal amounts, which include: repayment of principal on the loan, interest on loan other charges. The borrower pays the same amount each month, order and size of payments recorded in the loan agreement – now the percentage of the mortgage is 14% per annum in rubles. Early repayment credit is usually allowed after the expiration of six months after the date of the loan – the borrower can be any able-bodied citizen of Russia in age from 18 to 60 years – credit available for purchase a separate apartment in a house or a detached dwelling house (interestingly, as a loan to buy a house on the ruble – is possible?) – collateral – collateral apartment, purchased on credit facilities. Size given credit usually does not exceed 70% of the evaluation of purchased housing or the purchase price of the apartment – for mortgage loan the borrower must have a steady source of income. .

Mortgages In Questions And Answers. How To Protect Savings

Last curse in China sounds so: "that you work in a time period of change." Indeed whether you can take this kind of desire to curse, to speak in confidence today is difficult. It is no secret that we do not naturally functioning in an era of change, we have not seen any other time. We have not seen what it is – when change is not happening. On our memory of these changes were already so many that are not counted: the public crisis of the USSR then the financial problems in 1993, today that's the world economic crisis. Appears that the changes are part of our destiny, its essential element. As far as this statement is true, the story show. And in this case is now required as the frogs of the parable, fell into a pail of milk, not to go to the bottom, stirring rapidly to a piece of oil has become the reference point in life, no really survive. Today significant of the most fundamental elements of the fate of modern man gets access to the necessary and correct common information component.

As the financial crisis as it is impossible relevant, even when the economic situation stabilizes, it is still vitally important to study the situation in a timely and professional manner. For these purposes, information is needed constantly. Only World Wide Web at exchange of such information component – how can more quickly transmitted and professional – can help, better than any other media. A variety of textual component will help to learn how to critically refer to the entire flow of information in order to denote not just the principal and secondary, but often significant and not always. And it is in the global network is easier to find a mortgage questions and answers, and of course forecasts for some other questions especially if they are often not strictly professional independently to find the answer not in a position, but also present and these factors do not have all the chances. Expert assistance in the field of credit policy, and equal to the remaining elements of the consultancy work, tangible way. And tomorrow will be yours!