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.

Selling St. Petersburg Properties

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.

Real Estate Prices

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.

Apartments

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.

Housing Construction

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.

Mortgages: No Downpayments

Mortgages with no down payment Imagine the picture: You walk down the street, to your approach is totally a stranger. In a rumpled coat, leaky boots and hair, to which is not touched by hand hairdresser at least 10 years. Subject, nothing daunted, reaches out and asks you in debt. Long, about twenty years. Your actions? .. On this question, we will not respond, but we define a counter, a rhetorical question: why did you decide that bank clerk will give you the money? For a bank clerk you are not a customer, you the same seedy subject, meet you on the street. Is there any reason to trust your money? Yes, no Mortgage initial fee you can get. But only those who can attest to its true "white" income.

Such that the bank believed in your ability to cover and debt, and interest on the loan. The rest of the evil one. Somehow I think that those who really can bring their own white income, the credit does not need. And if needed, then for sure on the initial contribution of such a person find the money without any difficulty. Why bank clerk should take against you in a positive solution, if you do not like to confirm their income – not really able to accumulate at least a small amount? Now the mortgage loans are fairly easy.

Even without a tax statement of earnings. In any form, but …. Just a down payment and is the important litmus test that shows to the bank credit to wealthy clients.

Mineral Resources

2.4.Zakon "The promotion of tourism" Law 2634 "On the promotion of tourism," contains provisions for the development of the tourism sector, determines the order of foreign investment in the Turkish tourism industry, and also determines order of protection of cultural monuments. The introduction of this law has greatly facilitated the use of real estate by foreign investors in the tourist areas. Ministry of Culture and Tourism of Turkey can take in Rent real estate Turkish and foreign natural and legal persons on pre-defined conditions, to establish this property of the autonomous and permanent rights, including the easement – the right to use someone else's real estate. List of cultural sites and historical heritage, are allowed to lease by the Ministry of Culture and Tourism in consultation with the Council of Ministers of Turkey. In accordance with the Law 442 "On the rural settlements "and 2644" On registration of property rights "by the decision of the Council of Ministers of the rights of foreign nationals to own real estate may be limited to" protected zones of cultural heritage and development zones tourism "in favor of Turkish citizens. 2.5.Zakon "condominium" in Turkish legislation on property rights of houses, namely, apartment, shop, office or warehouse, and others regulated by the Law 634 "About a condominium," The Act also does not makes the difference between Turkish citizens and foreigners in relation to the acquisition and enjoyment. 2.6.Zakon 3213 "On Mineral Resources" The Law "On mineral resources" have provisions which make it possible for foreigners to operate in the field of mining and mineral resources in the best conditions.

Apartment Selling

For the majority of the citizens of our country's residential real estate – the most expensive property and the sale and purchase of apartments – the biggest deal in life. So, when you need to sell the property, the person there is fear of making mistakes during the deal. Of course, many of these fears far-fetched, and there are only due to ignorance of the ins and outs of the process of buying and selling real estate. We suggest to consider the most misconceptions seller of real estate, and to dispel it, often unfounded fears. MYTH 1.

I know how much my apartment. How do you determine the market value of your apartment? For sure, look in the newspaper, Internet and will compare the parameters of their apartment to have for sale. But can we be sure that these sources indicated the real market price of the object, and not one that would get the seller and that may differ from the actual worth several hundred thousand rubles? Or your neighbor recently sold his apartment "in a very interesting price"? Maybe so, but most likely it lightly, "embellished" the reality that imagine a situation in a better world for themselves, so to speak wanted to brag about. In fact, we recommend to think, and I just determine the value of your apartment on their own, without expert? After main expert here – it's the market, and only he can determine the actual cost of the apartment. Much better to identify attractive for the buyer price and begin selling it than was originally not to have those with whom bargain, discouraging customers inflated price.

Lease Luxury Lodging Earn

Surely, every one of us ever came across the phrase "housing rentiers." So called professional investors in the market rental housing. Moreover, the term "investor" has French roots and denotes the human-capital owners living on interest from its use. In the area of capital lease such acts as property intended for subsequent leasing of it to recruiting. In the west, this kind of business has been around for a long time. Relations in this area clearly debugged, and their legislative control is impeccable.

And we are talking about business as Western rental market luxury homes – is a lucrative business, which means that the parties and the state are interested in the legality and honesty of transactions. In Russia, which develops a slightly different situation because of the peculiarities economic and political development of the country, starting with the restructuring. But at the same time have a trend increase in the percentage of those who professionally are engaged in investing in luxury rental housing. And not just rent housing to rent and live on the income and increase your capital by investing in luxury properties, deriving from the income and multiplying it by subsequent attachments. This scheme: embedding -> return +%% – certainly fits into the economic framework, and thus, the business can be regarded as an investment.

To date, virtually all professional investors on the Russian market luxury rental units – individuals who prefer to work with a stable agent. Their clients are usually either foreigners or companies who rent housing for their employees. And both of these categories of tenants is extremely important formalization of rent and legal purity of the transaction. It should be noted that a person engaged in renting luxury homes and constantly receives income from such businesses can operate on its behalf, and may act in the transaction as a registered trader – the so-called unincorporated business (entrepreneur without a legal entity). In this case, the rate income tax under the Tax Code of the Russian Federation is not equal to 13% (as in the case of personal income tax), but only 6% (tax on income from small businesses). Summarizing the above, it should be noted that the property market in Russia every day becoming more orderly and civilized slave market laws. More and more people prefer today to seek help from professional real estate agencies to solve their housing problems. Modern man today is important to be sure what will happen tomorrow, but this is certainly an indicator of stability of society and the state as a whole.

Book Apartments

In order to be guaranteed to move into apartments, which offer agency Expert-city, in your desired date, they must reserve in advance. The result – apartments and things to do for you. How to achieve? 5 steps 1.Iz catalog choose a suite that are needed 2.Shag YOU – fill in the reservation request (do not forget to contact a cell phone) 3. Be contacted our consultant. You ask the consultant Questions on who want answers. Make your choice. 4. Prepay, letter of guarantee to our email address – something that will be convenient for both parties. 5.Vezzhaete in apartments Contact phones: +7 (495) 508-19-17 +7 (495) 508-19-14 ICQ: 584-239-362 (Monday-Friday from 11.30 to 13.00 and from 20.00 to 2.00, Moscow time) Mail: Please note that in case of non-settlement of less than 5-7 days, to postpone the date of arrival, or decreasing length of stay obtained prepayment is not returned to draw your attention to the fact that you are also able to choose the apartment or apartments in our catalog, where we tried to describe all the amenities, location, and provide photographs of apartments and apartments that offer..