Wooden Houses

In fact, "town house" – a product of simple and easy to manufacture a minimum of land, greatly reduced the cost of construction and communication. Today around the world townhouse, born in the cramped city, has become the format of suburban housing. But our area, unfortunately, can not boast of houses of this type. Consumers in the Kirov of townhouses prefer individual houses with their own land. Build "their" house people in places such as bad, Borovitsa, Shikhovo, Fences, The Comintern, Sadako, Costin, Ganin, very popular destination for city Sloboda.

At this point in the Kirov region there is no completely built cottage village. The settlement of this type in Doronichev built on 40%, 2-3 in the settlement plan to build a Russian estate near Kstinino. In the Net Ponds and only develops suburban construction. Popular are those areas in which advanced communication – definitely electric, preferably – water supply and sewerage (sovereign for the area selected under construction), the presence of gas in place increases the cost of a facility is approximately 2 times. How much will the splendor? As we have found a vacation home will cost less flat, but what would be the ultimate cost of the project? The greatest demand is for homes in 100-150 square meters.

m. Each square meter is 15-30 thousand rubles. By making some simple calculations, we get up from 2.5 to 4.5 million. Of course, this amount can not be assigned to all objects, but push already have something. The final price of the object is affected by many factors: the size of the house, area, and certainly not least is the material from which made the object. At the current housing market, such popular materials such as brick and wood. Their advantages and disadvantages are well known to consumers. Brick building has a high durability, reliability, and has good termozaschischennostyu. But there are also negative factors – Brick does not tolerate long absences owners, require regular protaplivaniya. In addition, a brick – one of the most expensive materials. Cost of construction is of 21 thousand rubles per square meter. m. Wooden Houses – Traditional for Russia in general and for our region in particular – environmentally, aesthetically, the timing of construction relative to compressed files. But with the mass building of wood does not meet several requirements: it has limitations to design changes and floors. Despite this, the construction cost is still high – from 20 thousand for the quarter. m

Real Estate Agents

Real estate agency is – a professional assistant in the property market, providing a full range of services and real estate transactions (purchase, sale, exchange, exchange, lease (rental) property of any status). Problem real estate agency to do any operation with real estate the most comfortable and safe. How to choose a real estate agency? When choosing a real estate agency can not rely on the duration of the agency, presentable office and big promises. The best way to select the agency is the so-called "word of mouth", curious by friends, acquaintances, relatives, whether they are treated to an agency and as a result of them. In any case will never be lazy self to read and check all the documents.

Private real estate agent – a private real estate agent can only be a citizen apply for a "sole proprietorship" and pays taxes on their income, otherwise – it's conman lawless. Private real estate agent acting in accordance with their knowledge and often quite scarce information resources. At the same time it is a real estate agency impressive organization with experts in various fields. Working in real estate agency – working real estate agent (realtor) is not simple as it seems to the majority, it contains many various complexities. In this profession should always remain active on the fact that no one can say in advance on which side of the agent will be in the next hour and what issues he will face. But one of the largest difficulties could be just the communication with customers, because people are different and not everyone can quickly find common ground with the man whom he sees for the first time. Occupation Real Estate Agent (Realtor) is very complicated and requires a lot of effort, both physical and moral. Causes tremendous respect a man who despite all odds, doing it well!

Real Estate Housing

Real Estate: We buy an apartment without repair and realize their own interior. Source: news-house.ru last dream come true – you are the owner of his own apartment and the basic desire – to an early start to repair. For example, change the wiring, plumbing upgrade, merge or break a room, install doors and windows. But it turns out that all planned expenditures may be much smaller, and everything else plus legal and building code have been violated. Modern Realtors say housing should be chosen so that in him you and your family feel yourself comfortable and convenient. Of course, the best option: a small apartment in the city and spacious country house. Townhouse is usually acquired solely for the week, but in a country cottage comfortably spend a weekend surrounded by family and friends. The apartment, which was acquired without interior is very profitable acquisition because it allows them to reduce the price of new housing on the purchase of 30% of its market value.

Of course, finishing work will be, but in them the process you realize your ideas and desires. We give invaluable advice: if you want to protect yourself from unnecessary problems in the first year or two, do not buy housing on the upper floors. Just imagine the following scene: Multi-storey houses are famous for lots of neighbors. And if your neighbors at the same time you will be engaged in repair, as well as in elevators to transport building materials and furniture utensils and so on, at least, it will be very uncomfortable for both you and them. In that case, if you already can be called by the owner of a new apartment and you have a frantic desire to redevelop, then follow these tips. First, the project will be properly ordered from the experts of the business, so you insure themselves against possible adverse effects. Most strictly forbidden to demolish the bearing walls, my appearance of the facade.

If you're going to make adjustments to the plan of the apartment, you will need permission. The whole range of bodies which provide such a right, you can get to the Interdepartmental Commission. Weaknesses are permitted during alteration of heating, ventilation, water supply. In these situations, you will not suffer only you but also your neighbors and come to prosecution. Therefore, to avoid confusion and legal squabbles, the correct solution would be to pre-book design project, to make estimates and choose reliable contractor. And in conclusion let me give you one more valuable tip: do not be afraid to buy an apartment without finishing it, and then design, focusing on their own wishes and views. Source: forum.news-house.ru

Kyiv Real Estate

The last few years had to speak only on acceleration or deceleration of growth rate in real estate prices in Kiev. But, unexpectedly, even to many experts, the prices came down overnight, and then completely dashed by speed mountain avalanche. And, anticipating that this situation will last at least until the autumn. The average sales price of apartments in the secondary market has declined by 12%, and considering the possibility of reducing the Kyivmiskbud the cost of square meters in new buildings at 7-10%. Today you can find the "Dormitory," the former ridiculous two months ago the price of 35 thousand dollars. The cheapest district of the capital still Desnyansky and most expensive – Crypt. For the year price has changed most of all real estate in Darnytskyi area – down by almost 21.5%. And least of all Podil's'ki fell flat in the "old town" – about 8%.

What do they say about the situation the experts? In their opinion, it is on sale no more than 10% of apartments, which are another economic situation would have been on the market. The reason is that finding a buyer difficult. Those who are in urgent need of money, sell apartments at a significant discount. The remaining 90% of the potential sellers prefer long lease, not sell their property, and expect a rise in prices. Projected to decrease prices for the 3rd quarter of 2009 by 30%. A therefore, we should wait and get the opportunity to buy decent housing "in the cheap".

It is highly probable reduction in price and "the primary organization." After the spring of prices of construction materials, due to lack of demand and oversupply, will fall at least 20-30%. State intervention is able to establish the situation on the market, but equally it does not change for the better, because to say something with certainty experts are not taken. But suppose the resumption of growth in prices Only by mid-2010, the planned completion of the global financial crisis, but this time the average price of Kiev apartments at risk to fall by 50-60 and even 70%. zabudovnyky.com.ua

Mortgage Credited Buyer

Now firmly established in the mortgage our modern life. Many are afraid not to enter into commitments for years to come. And perhaps they are right? All processes in mortgage lending occurs in accordance with Federal Law "On Mortgage". According to which, it is possible the simultaneous registration of ownership and lien on residential, nonresidential and to this rule does not apply. As a result, banks are forced to develop schemes of transactions non-residential premises with the participation of credit. Only a few banks do not only work with non-residential real estate, but also actively promote the service. The scheme of the transaction based on the same principles, but much detail different. We must first register a pledge – the depositor can vystupitprodavets of the space.

The pledge is made on the borrower's credit obligations obespechenie in favor of a third application is filed litsa.Kreditnuyu buyer (he pay for the purchase). Settlement funds are transferred to the buyer, who takes them and puts it on deposit in the cell, where they lie until the whole process. Receive money from the cell will be the buyer, after re-registration of ownership of the new owner. The bank as pledgee must give permission to move and encumbered with the seller to the buyer, and to sell the premises. Both party transactions are at risk. At a minimum, the seller, making out a pledge, to be sure that the buyer, as they say, "soskochet" and the deal goes through. The buyer is also at risk: the seller may not want to sell, and the loan is already issued, and he will have at least vyplatichivat interest that you know, is not good. But as we know, nothing ventured, nothing expensive drink bourbon! Read continued to – all secrets revealed rielterstva here.

Choosing a Real Estate Broker

You think about how to find a real estate broker, and must be handled in real estate. Firstly, it is much safer. Second, no self-respecting agency does not hold a non-professional staff. Third, in the arsenal of solid Agencies incomparably more options, among which will be found suitable for you in price and quality. Never agree to a deal with the so-called "black" brokers. The apparent lower price for services may in fact result in a complete loss and housing, and money.

"Black" brokers are not registered, do not accept any responsibility for transactions conducted (often, in the event of serious trouble of grief, Realtors simply can not be found). In addition, they may incorrectly process the deal from a legal point of view or sell an apartment in bypass url = rightful owners / url. Solve the same problems You have to. Do not agree to accept service of acquaintances who have recently purchased homes. Buying an apartment has not yet made their professional, thoroughly knowledgeable in such a delicate matter, as real estate. In general, the choice of favor of a specialized firm is obvious.

But the agency also may be different. To avoid trouble, choose only proven company with a name well established in the market and working long enough. Avoid questionable firms – ephemeral. Their task – withdrawing money from gullible people who want to save money on your purchase. Under current laws of Ukraine, the real estate shall have the following details: corresponding to the standard model of a registration certificate Proof of passing a re-entry "Real Estate Operations" in its charter and certificate of registration and inclusion in the Statistics Department Single register must have a postal and legal addresses to have a round seal with the mandatory placement firm in its field, the official company name and registration number (identification code) Required visit the office of the agency in person: a company with good reputation will never be located in a building that does not comply with its status.

Real Estate As A Key Element Of Investment Strategy

Sometimes the contributions to the property are less risky and more stable due to the fact that even after the stages of decline, there comes a time of renewal, with the result that real estate prices again increase. Also, as global investors, rich people are considering the UAE's leading real estate component of their investment portfolio. Investors still want to invest in regional market real estate, but the reason for this is not only a decline in the market. Experts stress that has recently become investors revise their approach to savings and investing in various types of real estate and Popular locations. Until recently, those who have cash, invested mainly in the regional market, making their portfolios out of balance.

At the same time, many have invested in one type of real estate in one market, that, according to experts, is a very risky approach. To date, the consultants recommend investment strategies to rebuild anew, to diversify the portfolio by category of property and geography. Experts point out that among real estate investors in Dubai and now there is uncertainty mainly due to doubt whether the market has reached bottom low, it is precisely the period deceleration is the most profitable for investors. Investing in real estate at prices close to their lower limit in the long term, after the final recovery of the market, you can get multiple dividends. However, at this point, many investors took a wait in the hope that prices continue to fall further. at the same time, experts point out that the UAE real estate market is facing projects, investments that will bring good profit in the long run, because at the moment the price is reached the lower limit. Properties in UAE prityanivaet speculative and not paying attention to risk for investors, with demand for 'risky' property in Dubai even higher than in the U.S., Britain and Germany, where the vast majority of millionaires in the world.

At the same time investing in real estate Dubai is divided into two types: those who want to invest money for the preservation of capital, and those who seek to profit by using the speculative approach. Moreover, speculative investors view prevails. Market experts note that future buyers and investors become more selective and more attentive to the choice of the object of purchase or investment. It is worth emphasizing that the Dubai real estate sector shows steady signs of renewal. Increased liquidity, banks have to lend again on affordable terms, costs, and rents for property in Dubai will stabilize, demand from both investors and by the end users is growing, and strengthened investor confidence.

Municipal Loan

Mortgage loan modern Russian conditions for small businesses is especially important because allows to lose no time to acquire the necessary business real estate, without having the initial capital – on the security of this same (not owned by you) of the property. Documents evidencing the loan, a borrower gives the lender for a mortgage, said mortgage. Distinguish between private bonds and mortgage deed. Private mortgage – debt issued by a borrower (for example, mortgage banks) to the creditor and notarized. In private, the mortgage must be specified loan maturity, the value percent and the name of the property, the employee pledge. Giving out loans secured by property, mortgage banks are receiving loans from other banks, which provide a so-called mortgage deed – long-term loan repayment obligations under the mortgage of the property, which mortgage bank gets bail. Mortgage deed – a form of securities secured by real estate and in circulation in the market. Loan secured surety, involves a contract in which the guarantor undertakes to repay the lender the borrower's debt if necessary.

As this type of loan can serve as a guarantee wholesaler for retail, the manufacturer of goods for the merchant business for each other, etc. Special hopes small businessman holds the surety – the state. In some cases, state and federal Municipal authorities need to be very beginnings of small businesses in its territory, but do not have real means to stimulate this activity. In these cases, the authorities guarantee to banks it may be way out. (In this case you can say to the official: "This matter must be me and you.

I am ready to work. You are required cash contribution, but no money for that. So even if charged, but the money under your guarantee will give the bank. ") A special form of guarantee is mutual responsibility – mutual pledge to each other group of persons or entities. The loan, secured a written commitment – a key form credit. The most common form of a written commitment to a bill. Bill – a written debt obligation prescribed form. Owner notes (note holder) receives unquestionable right demand beyond the period specified in the instrument of payment specified in the same amount of money to the person issuing the bill (drawer). Noteholder has the right, without waiting for maturity to put the bill on the market (in turn). In this case, usually on the instrument is put in addition to the signature of the drawer has one or more signatures of persons, guaranteeing payment on them. Credit, cash-based trust, based on a verbal promise to repay the borrower's loan by a certain date. This type of loan is applicable only when the lender to the borrower is experiencing a special trust or has it powerful leverage. The purpose of credit control by the lender is to receive profits. Provision of credit – risky: there is always a danger of not getting the whole debt and interest thereon. Therefore, it is particularly important in the management of credit to identify the reliability of the borrowers. This is achieved is through bank credit and financial analysis activities particular borrowers on their creditworthiness.

Mortgage Loans

It is not clear why so many home buyers, even with good pay, receive waivers from banks and why, when calculating the individual terms of interest rates are sometimes a few points higher than in advertising. To find out the real picture of mortgage lending in Samara was monitored proposals of banks, lenders home purchase. In the area of mortgage lending in the autumn of 2009 there is a revival. For 3-ago quarter has shown that the market begins to recover. Confirms the dynamics of growth in mortgage lending and the statistics of the National Commercial Bank. Not surprisingly, bankers today are rather optimistic and almost certain that 2011 will be a year of revival mortgage.

And the great hopes for the mortgage confer not only the specialized mortgage banks or the market leaders, accounting for just and the bulk of issued mortgage loans, but commercial banks. Mortgage – low-cost destination for any bank, it's customer base for years and the high profitability of operations. In 2011, the expected revival of the mortgage on the old high level. Many lending institutions in 2008-2009 suspended the proper mortgage programs and loans are issued only on the program HMLA. Some lenders have left the mortgage sector to stay. Beginning with second half of last year, banks gradually began to return to the mortgage market.

Now a number of lenders have taken quite an active role in promoting the mortgage products. Sberbank, VTB-24, Delta credit, City Mortgage Bank, UniCredit Bank, AbsolyutBank, Bank of housing finance and others. To clearly understand the situation in the mortgage market in Samara, were monitored. As a result of monitoring revealed that at the present time in Samara, about 100 working banks offer mortgage products around 30. On the one hand, it can not but rejoice, but on the other – too optimistic a picture looks. And, sensations, there is some discrepancy between official and actual practice. Now there are many, even quite financially wealthy citizens, the banks refused to grant a mortgage loan. Today, choose Bank, which will give you the right loan, find the credit program, which is convenient for you, rather than just. This is a difficult job which occupies a lot of time. Proposals from the banks are now quite a lot. Size of loan rates seriously varies – from the really low interest in the banks, working on standards AHML to high rates of commercial banks. We must remember that the smaller the loan, the lower the interest rates. In addition, if the banks operating under government programs, only the official income on Form 2 Personal income tax, then the commercial banks may set off and "gray" income. For example, UniCredit Bank considers income coming Relatives and additional income of the borrower. Any income of the borrower is ready to consider and Rosbank. On the one hand, the borrower is a plus. On the other, negative: in informal income bank nakinet couple of percent, ie the rate on the loan will increase by no less than 1%. If you consider the availability of mortgage loans in terms of real estate, it is worth emphasizing that the vast majority of mortgage programs offered today by banks, designed to ready housing. Mortgage for housing under construction can be considered very accessible, simply because only a handful of banks willing to lend to buy dolevok, and even then – not all.