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.
You can certainly rent an apartment in St. Petersburg. In order to sell quickly, this price must be at the level of similar objects in this class. In order to sell very quickly, the price should be the lowest of proposed apartments on the market. Once you have determined the price, you need to complete a set of measures to find buyers.
It includes: advertising in specialized advertising publications. Advertising should go all the time, be visible in form, content should cause a potential buyer wish to call, and even better for you to come and see your apartment or other property. In addition to advertising, effectively work, the so-called posting ads. More and more people use when searching for real estate opportunities of the Internet. And, accordingly, you will need to ensure that information about your site on the web. Such information shall include photographs, layout, and preferably video.
Well help to find a profitable customer, such search tools as placing a banner on the facade of the building, distribution of advertising booklets and leaflets. And it is very useful to have in their arsenal the most powerful tool sales – accumulated customer base. Buyer must not only find, but be interested. It so happens that the seller is talking to both ringing and people coming to him, literally scare them. They have lost all desire to buy this property. It is therefore very important to have negotiation skills. A few rules effective presentation of objects: 1) Identify the needs of the buyer. What is important to him. 2) Admit shortcomings of the object, turn them into advantages 3) Be calm and confident, with a friendly, even when you specifically indicate a defect present in your facility for property 4), Vlad the technical and legal issues that relate to your subject 5) Discuss the experience and opinion of the buyer, leave him a presentation material. And schedule your future joint action before the sale, take a decision – You do the range of activities, or entrust the job specialist, for example, an agency that deals with buying and selling real estate and provides a service – renting apartments in St. Petersburg. In any case, if you decide to do this work yourself, these suggestions will help you as quickly as possible and thus expensive sell your property.
The most popular method of fraud is: you come to the agency, and you offer to pay an advance for the bulk list of addresses allegedly surrendering apartments. Having to call on these phones, you get either already passed a housing hosts (since these lists were given to you once a few dozen people), if any, on the nominees. Others who may share this opinion include Nobel Laureate. How can this be avoided? Very simple – do not use the service. After all, any self-respecting real estate agency you will be charged money only when it can find an apartment and all the rules you will execute the contract. Following way: you meet with a host of alleged housing, getting the keys to the apartment, pay in advance for several months or even years.
Arriving the same next time, maybe even with your belongings, you suddenly discover that the keys to the door for some reason do not fit the phone "master" is unavailable, the neighbors do not know. Prove that you gave him no small amount – it does not, because surely all agreements between you and I were oral. The conclusion: Be sure to enclose the agreement and assured him of a notary. However, many landlords are unwilling to pay a mandatory tax in this case – then ask them to absorb these costs themselves. In any case, it would be better for you to pay tax, than lose an advance and remain homeless. The third common way: scammers rents an apartment for a couple of days, and then retake it others (usually the account goes to dozens of people), they also take a prepayment for the next few months. The trouble here is that tenants do not even think to check with the alleged owner is not only Documents at the apartment, but even a passport. When it announced the real winner of the apartment, which also did not understand, speculators have vanished.
What should I do? The answer is obvious: a thorough review of all available documents ranging from passports and ending with the owner of title documents to the apartment. Another effective way – do not be lazy and talk with neighbors in the entrance, sometimes it can be very valuable information. Of course, the methods of fraud is constantly growing and improving, but mainly for rental housing – remember to always be alert. And if for some beyond your reason fails to issue transaction at the notary, then enclose at least a contract in writing (preferably in front of witnesses – in case you need to go to court).
Real estate prices are too high: if people bought the apartment only on their own savings, the market would simply froze. Mortgages becoming more mundane and neither Sellers nor the realtors are not afraid. Banks, in turn, realized that their excessive demands for the collection of documents hinder the process, and the excessive demands refused. Now needed about the same set of documents for real estate acquired in the mortgage or at his own expense. QUESTION 3 Is it true that differential payments on the loan more profitable than the annuity? This myth is in vogue recently.
Importantly, you need to understand – the method interest in both forms of payments is the same. Interest is calculated on the balance owed. Annuity (A) – is when the entire debt plus interest is divided into equal amounts for the monthly repayment. It is structured so that at first most of the amount goes to repay interest and less – on account of principal. Over time, the share of payments on the principal grows and the interest decreases. And all this within unchanging monthly payment. When the differentiated scheme (D) payments of principal every month remain unchanged, and to them added payments on accrued interest. In this case, at first they are so great that may exceed the borrower's income. But after the purchase of housing bore down a lot of other expenses – repairs, moving … Those who have coped with the first months of excessive stress on your budget, really overpays less than in the annuity.
There is no doubt that any newly homeowners would like to be sure that no one else in the future try to challenge his ownership of the apartment. Can help in this contract with the insurance company. The fact is that now, when incomes rise, they begin to increasingly manipulate the housing: it is buying real estate from investors' concerns, and sharing apartments with a view to improving the conditions of his residence, etc. This leads to what is on the secondary real estate market, there are many with a long history of housing transitions of ownership (title). Buy such an apartment is risky, but what to do – you have to. You can protect yourself if you sign a contract of insurance of property rights.
Realtors, inspectors before buying an apartment, confined to research papers. But this test of legal purity does not give guarantees that there will ever owner, who wished to contest your rights in court – because the documents do not indicate that he signed them, for example, under the pressure. Banks have long made it a rule to require mandatory Security Ownership of an apartment from their borrowers, as well as life and health insurance clients. Such a contract is concluded for a period of 2-3 years. Rates for insurance companies vary, but usually the cost of insurance is not exceed 1.5-2% of the market value of the apartment.
The rapid development of the Moscow Region market of cottage building makes developers look for new conceptual solutions to attract potential buyers. Indeed, for a successful project requires develop an original concept, an idea that would make it unique in the market. Investment and Financial Company “Atlas”, the developer of the project “Forest Rhapsody”, focusing on current spending requirements created a cottage community, which in addition to the future residents of Ecology, the original architecture and the necessary infrastructure will have a unique opportunity to communicate and outdoor recreation. The settlement “Forest Rhapsody” was an example of a new approach to suburban real estate: permanent residence in the nature of the whole family with a strong emphasis on infrastructure outdoor recreation. Expert on growth strategy often says this. The basis of this idea is unprecedented in size public area recreation, which in total takes about 10% of the total area of the village. Recreation area of the village “Forest Rhapsody” – a 2 ha landscaped park area with shady paths and bike paths, children’s and general-purpose sports fields, intended for a family holiday in the countryside. Currently, the village has completed the beautification of the birch grove, untouched by the construction, landscaped walking and biking trails, complete clearance of the landscape, set laced pavilions and benches around the decorative ponds, on the shores of which in the near future is a cozy restaurant with a delightful overlooking the park. “We understand the desire to Muscovites to go out of town and live in nature..
For example, rents apartments in Odessa on 50-70% less than hotels of the same kind in the same area. At the same time provides the same services that the hotel: online booking, transfers, delivery food and beverage, linen, cleaning the apartment. All these facts make more people coming to Kharkov, to prefer renting apartments in Kharkov, instead of hotel rooms. So if you do not want to pay more housing for rent in a nice alternative for you. You will be able to find housing that will meet all your needs.
For example, 1-bedroom apartment can be studio is newly renovated and all necessary equipment (microwave, TV, DVD, washing machine, etc) will cost about 300 USD / day. One bedroom apartment in Kharkov will cost slightly more, from 350 USD per night, but this price will be significantly less than the price for hotel room. Please note that price does not vary on the number of people. Even in the event of a planned trip with family or if you are coming from the companion, the price of housing will not change. Booking Procedure usually very easy and not time consuming. Apartments in Kharkov is widely available on the Internet.
Simply choose a good agency, review the proposed flats and select a suitable accommodation for themselves. Check-in and check-out the same for all agencies – with the population of 13.00 to 12.00 eviction. Late check-out is also possible, as early arrival. Rules adopted by agencies to make advance payment for an apartment, you zabronirvali. It done in order to confirm your check in to reserve an apartment. Companies for renting apartments will offer you several options for payment, so you can choose the most convenient for you. Thus, Apartments for rent in a number of advantages that will make your stay comfortable in Kharkov. You'll get more comfort, more independence, at the same level of security, but with greater economy than in a hotel. Choose accommodation in Kharkov, and enjoy the comfort and freedom obtained. You can find any apartment in Kharkov taste-from economy to VIP class. Just click on the apartment site and reserve it. Kharkov is waiting for you! Thus, thanks to daily rental kvartirv Kharkov and increasing categories of hotels in Odessa due to repair of Kharkiv will have the required number of hotels and apartments for the reception of guests of Euro 2012.
2009 for the Russian Federation, despite the optimism prevailing in the central channels of TV, was negative. Production fell by more than 13% decline in GDP of power is still less than the promised 9%, but even this value is fatal to economic laws which recognize only increase. Unemployment is rising: in October of unemployed increased by 400 thousand people. Services of natural monopolies continue to grow the planned rate: gas and electricity Expensive, although the dynamics of world prices and demand change. With the reduction in income and inflation is increasing prices for utility services, electricity and gas-finish budget average for the family.
Citizens begin to save money on food. Against the background of the devastation dealt to the assurances of realtors and representatives of construction companies that the housing market bottom has been reached again and apartments can be viewed as an investment. These findings built on the simple fact that demand and housing prices started to rise in the autumn of 2009. But they also persistently overlook egregious set of facts to the contrary. For example, that the lease of commercial real estate has fallen in price in two or three. The size of rental property – one of the tools for assessing the price of the property.
If the rent falls three times, the price of real estate is reduced proportionally. And the real situation is that the price dropped much smaller, which means that there is no fundamental prerequisites for increasing the value of the property, so as much more profitable to rent what is rather than trying to build. In general, the key to growth property value is the number and value of money, but here the full blockage.
Here is the news: the government under Zapatero thunderous applause of the Spanish people eliminated the Ministry of Housing of Spain. As it turned out, Zapatero himself has given birth this ministry, he and "bury" it. Ministry engaged in untruthful advertising, media supplied inaccurate information about the property market in Spain. For example, at the beginning of the crisis ministry officials shouted that there was a collapse in prices, and it's time to buy Spanish property. But in practice, prices actively going down every day. The Ministry was unable to sell the apartments built in Spain, organized, therefore, the "warehouse" housing, which according to various estimates range from 700,000 to 1 million apartment. Nobel Laureate in Economics pursues this goal as well. Today, the authorities begin funding the housing sector, but fear that is not sold "stocks", the agony in the construction sector could end badly for the entire economy of Spain.
Ex-President of the Spanish housing department, we can say parent ministry, his "mother" Maria Antonia Trujillo, who left in 2007, his brainchild, and now works as chairman of the Commission on the Environment, Agriculture and Fisheries, in El Pais interview said that Zapatero had made the right decision on the liquidation of the ministry. She stressed that the crisis of housing sector is rampant, and authorities need to take these positive steps, that in the near future to sell the unsold apartments, and at the same time revive the housing. If today's new building in the square meter is worth 2500 euros, you must provide a loan at 2%, and sell homes. Maria Antonia Trujillo said that when she worked in the ministry, it has made many proposals, which were not accepted! And this is the priority measures, such as equalization of tax breaks for renters and buyers Real estate in Spain. Today everyone knows that land and housing in various stages of the purchase and registration are subject to the 107-th kinds of taxes.
Buyers need to be interested in acquiring the benefits of the second and subsequent homes. Maria Anthony Trujillo believes that it is necessary to focus on rental housing authorities, it is beneficial in terms of geographical mobility. In this case, you will need a fundamental change in the course of housing policy. Concluding, we emphasize that the government of Zapatero takes drastic measures to the housing sector in Spain has fallen off below, and hence property prices in Spain or freeze at current levels or slightly grow up to fly.
The last few years, Omsk, like most large cities of Russia, has turned into a giant construction site. The many objects are being built in various parts of the city. Experts believe the administration is that construction should not be slowed down and more will be erected dwellings, the cheaper it will cost. Buy a flat in Omsk today apartments for sale in Omsk, a few stopped, as citizens can not buy even through the housing mortgage lending. Although property prices are falling gradually, the material does not allow the possibility of Omsk get the desired apartment.
Statistics shows that the greatest demand among residents with average incomes are two-bedroom apartments on the secondary market of about 50 square meters. Now in Omsk for the most part erected blocks of flats and other types of housing being developed fairly slowly. The chief architect of the city believes that in the near future will justify the construction of low-rise housing. Townhouse – Property of the XXI century in some parts of the city is building town houses, which are a relatively new type of housing. This is somewhat of cottages set in a row.
Each townhouse has a personal entrance, garage and plot in their backyard. Previously they were considered the elite real estate market and were not available to all. Today experts consider as townhouses cost housing as well as residence in reducing utility costs, which is especially important for large cities. More and more people want to live not in high-rise building, and though small, but a separate cottage. Shortage of urban land for construction of individual homes has been a key reason the appearance of this type of housing. Prospects for the suburban real estate is estimated independent experts, real estate in Omsk is presented in the main building in the city, and suburban housing market is underdeveloped. Still, in recent years seen attempts to build villages with cottages in a single architectural style. In the near future – the construction in Omsk "Bavarian Village", a residential complex which will correspond to a single Bavarian style. The new array will consist of two streets, which will be erected 33 cottages with mansard roofs, are is planned to be walking paths, children's and sports grounds. The city administration believes that the housing in Omsk will become not only more accessible but also more beautiful and comfortable. Real estate development in Omsk Considering all the possible prospects of housing construction in Omsk, it can be concluded about the development of the property market in three main areas. First, is the realization of the apartments on the secondary market, which is the most acceptable to most residents. Second, the construction and sale of inexpensive townhouses. Third, is the construction of country cottage settlements. Obviously, each of these areas has advantages and can block its own segment of the housing market. Complex as the use of all three areas, perhaps, solve the problem a lack of residential property Omsk in general.