Perspekstivy Real Estate Development

By early 2010, Russian real estate market as a whole was in a worse state of recent history. Since its formation in the early '90s and now he had not experienced such stagnation, as in 2009. Even after crisis of 1998 the market "crashed" for shorter periods and then abruptly went into growth. For other opinions and approaches, find out what Steffan Lehnhoff, Guatemala City Guatemala has to say. To assess the severity of knock-out now, it suffices to compare the fall, for example, car market, to some extent similar to the residential market property (cars, as well as apartments, are not the essentials). The number of transactions in the automotive market as a result of the crisis fell by about half. Residential real estate market, according to various estimates, five to ten times. Apartments, houses – the most conservative, risk-free and reliable way to invest, storage and increase money for the state as a whole and for each of its citizen.

In the medium Looking forward palpable excess of demand over supply and as a consequence, prices for primary and secondary housing markets. Mortgage again becomes attractive. Banks are stuffed with cash and deposit rates rushed down. All finally realized that fall below the housing bottom and a time to invest in eternal values. This situation was observed almost everywhere in the world, in varying degrees in different markets, not just in the market real estate. Proposal on the primary market sharply decreased due to the fact that the construction industry is literally lying on her side the whole of 2009. Flats almost built, new projects not yet begun, and the former frozen.

Loans

So, all this mortgage. And all of these loans are mortgages, as as collateral (security) serves real estate acquired or already owned. Why do I need a mortgage? What are its advantages and disadvantages. The main advantage is that the housing problem can be solved now, and quite fast. By the same author: Clayton Morris. Can you imagine how many years should be to save money to buy a home? I suggest you an example. Young couple, we assume that they are in 24 years, decided to create a family. Accordingly, the question arises – where to live? With parents? Not really. I want to self-sufficiency and independence.

And the conditions in the father's house is not always possible. Rent an apartment? It is to live in a strange house with a constant caution, but do not ask if I move out tomorrow, and much of the budget will go into the pocket of someone else's uncle. So let us assume that our young couple earns 60,000 rubles a month. How much they can save to accumulate in the housing. I think that no more than 40 000 rubles per month. For more specific information, check out Lincoln Property. If you take into account that one-bedroom apartment is 2 million rubles, they have to save about 4 years. And this is the best scenario. Click Clayton Morris to learn more. And given the constant rise in prices for housing, the accumulation period could last up to 15-20 years.

Again, not the fact that it happens. After all, there is still life. And children should be delivered, and put on his feet, and put on shoes, dress, and go on vacation, and want a car, etc. And spend the whole youth on hoarding and a complete rejection of all the best in the pursuit of elusive dream of own home miserable. Here's a mortgage and gives such a chance. With an income of 60 000 rubles, you can count on a loan sufficient to purchase one-bedroom apartment. And the price is already fixed, because they have already bought it and have it live. Of course, it is necessary to pay each month on the loan. And return not only the principal debt, and interest, but they already have their homes. And to Disadvantages are, what you would pay on a monthly basis. And no matter what. You can not forget, postpone or reschedule the payment. You can not make a part payment. The second negative – it's an overpayment on the loan. Overpayment consists of the interest that accrues during the use of credit. Depending on loan term and interest rate, the overpayment can reach 150% of the loans and even more. Also to be minus mortgage include sufficiently strict requirements of banks to the borrowers. These include requirements for length of service, age, marital status, employment, income, citizenship, credit history, as well as specific requirements for acquiree or bond. Compromise between the conditions and requirements you must have to look for yourself. Now dozens of banks offer different loan programs. If you add up all mortgage loan products the banks, the list is not stretched to several hundred. Choice is which. Of course, you can turn to professional market participants that they have picked up your program. But in any case, the choice is yours. Good luck!

Apartment Price

Typically, apartments in new or second homes valued them in 2 ways. You can contact real estate agency and ask the realtor inspection is in place, but you can call one of our offices and agencies to take advantage of rapid assessment. 1. If the realtor comes to your home, you should check his documents, learn about the work experience. Inexperienced specialist is unlikely to be able to determine the exact price of the apartment. 2. Express – evaluation also may be inaccurate.

Assessing the housing on the phone, the specialist is likely to determine the average cost of an apartment. Case that for a rapid assessment of the realtor is in the database, which contains all of the apartments and just set the price for them. If this has piqued your curiosity, check out Robert J. Shiller. After that, he finds an apartment for a description similar to this, and declared value of the property. This method of evaluation is not always acceptable. There are times when specialists from different real estate agencies in your estimate the same apartment. And sometimes the error may be up to 30 chen many landlords decide not to apply in any real estate agency and do not bother professional appraisers.

They take the appraisal of the property itself, but is it possible in such a way to realistically assess the cost? It is possible, but will have to make some efforts. To determine the home price of housing to buy publications about real estate, offering apartments for rent, renovated apartments and you are interested buying and selling apartments. After reviewing all the proposals, it is desirable compare house prices, which by the meter and other data are similar to your property. It is essential that the sample was bulk, since otherwise it is very difficult to call an objective value. This method of estimating the apartment has its own advantages and disadvantages. The advantages include the fact that you know your apartment is better than the realtor, who will evaluate it over the phone. A disadvantage is the bias of the seller and the over-reliance on prices Apartments in advertising. The fact that very often the published price, this is not the price at which real estate will still be sold by auction. Also one more thing is that in the base price of real estate available to thousands of apartments, and in newspapers and magazines to 50. That's why when selling an apartment is better to resort to at least two methods of assessment of their homes.

Property In Spain

Spain rejoices! Black immigrants, fair-haired, tanned and very white-skinned, one and all, drink vino Tinto (red wine) for the health of the Head of Immigration, Marcus Gonzales. Spain stirred twice this year! In July is fun to watch because of the championship football team! Humming fans, simple Spaniards and tourists a week! Holiday city turned into one large Spanish family! Spaniards love their team! Just two days none worked! Only the bars! And in October! And again, like spirits, and fun everywhere! Only in the first case, this event has not affected the prices of apartments in Spain, but in the second case? … And so, the Parliament made for consideration in addition to the Immigration Act of 2009. As for those he illegally residing in Spain who are waiting for the legalization of residence. Today, to be able to apply for legalization of residence, must have lived in Spain for three years. Marcus Gonzalez said the government decides to go to meet the state treasury, and reduce the term of two years. Thus, illegal aliens, residence permits, legally begin pay taxes and contributions, and the treasury will not spend money for their treatment and education of their children in schools today, when not being residents, they pay no taxes! And with a residence permit (no registration shall not be considered petition!), the state pays for illegals above-mentioned services. Recall that the petition must pass a series of documents that you find on the website CostablancVIP.ru. Over the years, according to immigration officials Barcelona is on the "residence", have received residence permit for about 90 percent of immigrants, among whom 18% of Russians, Ukrainians 12%! By Ukrainian immigrants in general, the present government is not indifferent! Promise will soon hold replacement of a driver's license! Just go and change! Russians is not even in his sleep to dream! But back to the legalization. (Source: Greg Williamson). It turns out, becoming a resident living illegally in Spain, the family will seek to buy a good apartment in Spain! Mortgage lending in this case they will give no problems of almost any Spanish bank! And consequently, the demand for property in Spain will increase by the summer of 20-30%! So it's time to buy property in Spain on the shore of Costa Blanca!

Kovacevic Estate

Two days after the Montenegrin referendum on independence at the airports of Podgorica and Tivat landed several private aircraft from different Russian cities, which arrived in Montenegro influential Russian businessmen. After this outburst was recorded sales of real estate in Montenegro – Ulcinj on to Debelog shores. The Russians are buying up homes, estates, large land parcels and apartments. Cost per square meter of housing in Tivat reached 1,200 euros, and continues to grow, and in other parts of the Adriatic coast, the price rises to several thousand euros. It's no secret that many owners of land and houses on the peninsula Lustica sold their properties for sizable amount, and the family budget of some of them grew to hundreds of thousands of euros.

– Purchase and registration of real estate in Montenegro is most often accompanied by rumors of mysterious and speculative nature with a touch of sensationalism and cheap gossip. Analyzing a wealth of experience in working with a demanding clientele, and adhering to a code of ethics lawyer, I should note that the image of the average buyer from Russia briefly as follows – Veselin Kovacevic said the lawyer from the law firm 'Boykovich' of Budva, which cooperates with the agency for the sale of real estate 'notary-MB'. – It is a highly educated, middle-aged, mostly Muscovites owners of private enterprises or middle-managerial staff of major companies, mainly energy and hi-tech. – Capital to buy real estate in Montenegro is provided high salaries of our clients. our customers. In addition, it is important to recall that many Muscovites can get the funds to purchase real estate abroad by selling their real estate in Moscow, where prices are terribly high. In the good parts of Moscow's price per square meter reaches $ 25,000, and the tendency of growth.

Agency and our company, which it is legally, have no idea whether consumers Real estate tycoons, or whether they are related in any way with the Mafia. The objective of our company is not a study of the origin of their money, and we could not even do that. Our citizens who are prone to mystify and all all should be put to rest any doubts and that Russian do not buy for themselves, but for some anonymous buyers, which in our version, surely must belong to the Mafia – adds Kovacevic. Our interlocutor stresses that in Montenegro have not yet agreed upon before the end of the construction plans and development of resorts on the Adriatic, and the municipal and republican authorities represent a barrier to the serious investor. The limitation Foreign investments are also vague and contradictory laws and, and, especially, the practice of their performance. – Russian wonder all the Montenegrin coast, although they show more attention to Budva and its surroundings, and in more recently, to the coast of Bar and Herceg Novi. Importantly, and the participation of Russian clients in purchasing property by tender, where suggestions formulated banks, energy companies and wealthy companies that are particularly suited to meticulously develop investment and environmental conditions for bidders. Getting acquainted with the programs offered by the investor is easy to see their sincere intentions to make its warehouse in the future Montenegro. In addition, attention is drawn to a surprising knowledge of the country in which they invest – even to the smallest detail – said Kovacevic. He recalls that Montenegro is clearly at the political level widely opened doors for investors from Russia, which privatized the largest economic enterprise and have already bought some data on over 30,000 residential properties.

Property Purchase in Italy

We continue to talk about how the real estate purchase in Italy. The offer to purchase (Proposta d'acquisto) After the buyer has decided on the choice of property, he must declare his intention to buy favorite subject. To do this on behalf of the buyer to the seller constitute an offer to purchase, which includes the basic terms of the transaction. The proposal is sent to the seller for approval by fax, e-mail, or in any other way. If the seller accepts the offer of the buyer, then you can proceed to the next stage of the transaction. Robert Speyer will not settle for partial explanations. In drawing up proposals for the purchase of the buyer leaves a deposit in the name of Vendor to confirm their seriousness.

Usually this amount is small in size. This deposit also serves as a guarantee that the seller would not sell the property to third parties. If the seller does not accepts the proposal the buyer, the deposit is returned to the buyer. If, after signing deals to buy both parties the buyer changes his mind and refuses to buy this object, the money left in as a deposit, the buyer will not be returned. If the seller no longer wishes to sell the facility after accepting an offer to buy, he pays the seller the amount of deposit received twice as much. Stage design offer to buy is not mandatory at the conclusion of the sale of real estate in Italy. Preliminary sales agreement (Il Compromesso di compravendita) The next step to buying a property in Italy is a written pre-sale contract.

Credit Without Collateral

Because of the current economic downturn, more and more people need loans to pay for goods at other times they can pay for themselves. Many now have to deal with credit and creditors. The problem is that there are so many different types of loans that it is easy to get confused. As you know, if you make wise choices? You want to do what's best for you, but it can be difficult to know if you do it. Most common types of loans you see in the security, or unsecured. So which is better? Loans with security against an unsecured loan.

The difference between these two loans is that secured credit is due accompanied by some kind of pledge. It is a pledge, it can be taken if you do not have to repay the loan in a timely manner. Unsecured loans do not have any collateral. You just get a loan because of your good credit rating. If you are trying to figure out what is best for you to secure against an unsecured loan, you just have to look at your own personal situation. You must understand that what may be a good solution to the credit one person may be wrong for another person. How to find out which is better secured or unsecured loan, you need to know whether you have a good credit rating. You do not get more money from unsecured loans because your credit history otriuatelna, you should choose a secured loan.

Just because you have bad credit rating does not mean that you can not repay the loan. The only question you'll have deal with reality, if you do not repay the loans. You'll have to put up some personal items as collateral, so you have to do everything possible to repay the loan, not to lose your questions. On the other hand, if you you know you have great credit and should not be a problem getting credit of any amount, the winner of security against unsecured loans fight should be an unsecured loan. You do not have to worry about loss of any personal belongings, if you somehow default on the loan. Details can be found by clicking Robert Speyer or emailing the administrator. Loans for any need

Buying Property In Sardinia, In A Condominium

In preparation for buying real estate in Sardinia, in a condominium is necessary to check, whether fully paid the appropriate fees for the previous periods at the time of transfer of ownership of property. Article 63 of the Civil Italy provides that any new member must pay the condominium fees on condominium management costs for the current and previous years. In other words, the buyer (new owner) with the seller have obligations to the condo to pay the cost of the condominium for the past two years. A serious question, because the condominium manager in the presence of arrears of contributions from a participant condominium, as a rule will apply to the court against the new owner / buyer. To avoid unpleasant surprises and problems when purchasing property in a condominium in Sardinia to time to check availability of existing debts to the seller party condominium. WARNING! When purchasing real estate in Sardinia in the condominium check for the seller to pay the debt of regular contributions to the condominium to the signing of the offer to purchase, or before signing the preliminary contract, and in any event, before signing the Notary Deed of transfer of ownership of the property.

The buyer may boldly ask the seller to issue a written consent / permission to view customer documents relating to payment kondominialnyh contributions, which are stored at the reception condominium. The latter, in its turn, has no right to refuse a buyer who has applied to him to see the accounts of the seller-member condominium, with written permission from the seller. Thus, the buyer, directly referring to the administration of the condominium, the seller can check on the regularity of payments and late payments of contributions to the management and maintenance of the condominium. In addition, the act of transfer of ownership of property should include the phrase that the buyer is exempt from any liability for past due payments to the seller kondominialnyh contributions. The rules on joint and several liability under the law, there is retreat, which exclude the use of joint and several liability in the event of agreement between the parties that requested to do by including a limitation in the final sales contract. By doing so , in the case of disputed arrears after the condominium is a fait accompli transfer of ownership of property by passing a copy of a notarial deed administrator condominium, new the owner can be sure that it has not filed any claims by the administration of the condominium to pay the debts, the outstanding former owner. If all the same, the opposite happened, then the buyer can withstand the prescribed payments, involving a witness seller, thus freeing themselves from any obligations to pay the arrears condominium, it is not related. So Be careful in this regard!

Declaration Of Income For Sale Property

Few know that the sale of immovable property return must be filed with always, regardless of the need to pay tax or not. Declaration can be filled in by yourself or offer it to the tax inspector for a fee and write it all incomes, including wages, although it taxes already paid by the employer. You will also need to attach additional documentation and application for a property tax deduction. Declaration for the deduction must be given no later than April 20, and the amount of tax paid by 15 July of the year following the year of sale of property. You should know that if the property is located in your property Bole three years, you are completely exempt from income tax for its sale.

No matter how you became the owner of the property: buy it, privatized, were inherited. If the seller stayed owner of at least three years, he is obliged to pay income tax at a rate of 13 per cent of the amount exceeding one million rubles from the sale of real estate. So often in the transaction in the sales contract should indicate the cost of just one million rubles, as the Civil Code does not oblige the parties to conclude contracts at market prices or documenting the value of property transactions. But you can get a certain amount from the state, being the buyer. The fact that you are entitled to a tax deduction, that is exempt from income tax on the amount of not more than one million rubles. That is, buying apartment for one million rubles and more, on your application to the tax office with the sum of one million rubles you will be tax deductible – a maximum of 130 000 rubles.

Application for a deduction can be made within three years from the date of purchase. The law stipulates that a citizen can exercise their right to this deduction only once in a lifetime. But this point is easily bypassed, if you place an apartment next to the spouse or child, which deductions have not yet received. Less in this case the same: to get the deduction, you need a decent "white" wages. Do not forget that the deductions – is income tax returns that you have already paid (or who paid for your employer). So if you get a salary in an envelope, then you have nothing to return.

Apartment Loans

Elena Malofeeva, director of sales subsidiary office and apartment loans, "the Bank" Gazbank: – 95% of our customers – young families. Typically, they come to us already being trained in the mortgage issues – know what to look for when making your credit well represent the entire procedure. They are familiar with terms and skillfully operate them, which facilitates cooperation, free from the need to explain basic concepts. Often, even the apartment they seek and find themselves without the help of real estate agencies and realtors. As it turns out, the young people under the age of 35 years and account for more than half of bank customers – borrowers on the mortgage, and, as noted by the bankers, their number has increased significantly over the past few years.

About 95 % Of requests from young clients to provide mortgage credit are met. The absence of serious prejudice and a willingness to go to meet young customers bank representatives explained by the fact that most of the of them are really willing to cooperate, which distinguishes them from representatives of the older generation or past clients. Young customers are different and the fact that this group of borrowers is very serious and careful consideration approached the question of a mortgage loan and buying an apartment, choosing the greatest service and quality, the optimum time of registration. This applies to the choice of credit to the insurer, appraiser, mortgage broker and realtor. Representatives of the banks' own features such as strokes made a collective portrait of an average young borrower: it is a professional, having a higher or specialized secondary education, working in a large foreign or Russian companies.