Tag Archives: property

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.

Construction Process

It often happens that during the construction process, it disappears, even if it was at its beginning. I finally, the third option. It harmonizes, like, the pros and cons of the first two: self-construction, hiring a “free brigade” of workers in heavy and unskilled work (wallpaper pokleit and other works of this nature can be done yourself). And also hire the person supervising the construction progress at home in your absence. We are talking about not hiring a contractor, and hire crews of workers. These are two big differences in the Russian reality.

This difference is striking when comparing the price issue for completed raboty.Delo that Russian law imposes on the official record of building organizations weighty financial burden in the form of direct tax income, social taxes on the formalization of the workers. From year to year percentage of these taxes vary but on average they will be approximately not less than one third of the profits of the organization. Plus, the organization has to incur additional costs for rent and office service, maintenance jobs that are not involved directly in construction work (secretary, assistant, accountant, zavskladom and others). In addition to this, any organization is to lay a certain percentage of profits for depreciation for the replacement of equipment used in the process stroitelstva.I percentage of the development of the enterprise itself, in fact, this estimate graph is called a ‘target income’ (Incidentally, according to current estimates of norms on certain types of work regulations provide for the planned profit up 80% of payroll).

Apartment Prices

Essential had the Federal Law "On introduction of the lc rf from 29.12.2004 189-FZ, privatize dorm room. Since its implementation was associated expectation of increased demand for one-bedroom apartments with the lowest price. Enough a large% of residents of hostels had a desire to change his room with an additional charge for the apartment. Such a possibility in Vologda only appeared in September 2006 (it took 1.5 years to resolve technical issues on privatization former dormitories). The above factors, as well as an ample cash flow caused by high oil prices have caused regular, the most dramatic increase in the price of residential property, which began in August 2005 year and accepting speculative nature of the 2 nd half of 2006.

The peculiarity of the situation at that time can be considered a large share of investment purchases, both private and corporate. In 2003, their share does not exceed 8-10%, while in 2006 the expert estimates suggest that at certain moments the share of investors among buyers reached 20-25%. Was especially beneficial to buy housing by installments or loans. The second feature – getting most major developers of credit lines, which removes the need for them to drive sales of apartments in the early stages of construction, many companies are considering the option of selling apartments in a high stage of implementation project or after the date object. The emergence of free cash developers have completely switched to cash payments to contractors. In September-October 2006 it was bought up most of the apartments primary market.

House Projects

In recent years more and more urban residents tend to purchase or build from scratch your own house outside the city limits, to be able to turn away from the city suetyna Nature. Cottage – most common type of suburban real estate, and in recent years, more than one hundred cottage communities grow around Moscow, St. Petersburg and many other major centers of Russia. Country cottage – it's comfortable and with tastefully decorated private house, designed for year-round habitat of your entire family, in fact – your family farm, their homes, a place where you and your family will always feel stable, safe and reliably. The facade and the overall appearance of a country house and interior design, and layout of the rooms inside the building are designed for maximum reflect your idea of a perfect house, in harmony with your tastes and inclinations, emphasize the uniqueness of your personality. Therefore, means a lot right approach to finding architectural design of your future suburban housing. Before you look for a house project, it is necessary finally resolve all issues related to the land on which to build your future home. You should consider all the features of this site, hydrological and climatic conditions of this areas, the specifics of the landscape and topography.

If it turns out that your land is located in the valley, be aware that difficulties may arise during the season of floods on rainy days, and this suggests that we should estates to take specific actions to competent relief organizations – that is qualitatively solve the vertical layout of the site development. Only by taking into account all the features of the site, a future homeowner may choose house designs. In this issue, you can choose either of two ways. You can go into an architectural company to place your order the original project, which should be in this case was created by professionals with taking into account all comments, suggestions and requests of the customer. The basis for this project can be put coined by you sketch Modified specialist. Very efficient and the other option: in any of the so widely submitted online catalog is not difficult to find a model, the finished project home.

This option will rise to you cheaper than doing the original design a country house, given the fact that the model project is also possible to adjust, tune, and 'driving in' to your needs and requests. Choosing a catalog or ordering a specialist designs of cottages, based on the volume's wishes and needs of members of your family. When This should be carefully considered all the circumstances: the number of family members, their age and the specifics of the work, and the inclination to plan leisure activities, and in addition to special tastes and interests. These features will be determined when the project is so important options at home, like floors, the presence of porches, basement or attic, the number of living rooms, number of guest rooms, game rooms, bedrooms, classrooms, availability of library greenhouses and similar places, as well as the orientation of rooms in the sides of the world. Not quite right to believe that all of your requests will be satisfied solely with the creation of the original project. Today already existing standard designs of cottages are shown in such a wide variety of sets that it is possible to pick up the project, the most appropriate to the needs of your family and individual aesthetic inclinations.

Building Materials

If you decide to build a house, then the end result of building largely determines its beginning. The beginning of construction – a precise analysis of what you need a house, a house, and from what materials it should be built. There are grounds for thinking. But have to begin, most likely due to the fact that the estimate and give an honest answer to yourself this simple question: "How many years must serve the house without any problems?". The answer to this question depends heavily on the progress of all further arguments on the choice of materials for house construction. Typically, after this question a person begins to remember how old he is today, then subtract how many years he assumes happy world of their existence (just like that, sometimes, makes building sometimes wonder about the true values), and obtained some tsifra.V average of 30 to 60 years.

There are, of course, more extreme responses, but it's a series of "dream is not harmful." Their children while predicting that, as adults, they will build their own homes, rather than continue living in the father's house. Leitmotif answers: "On my life to have enough, and then I will not have to worry about." Each understands that the more durable materials will be used when building a house, the greater will be the construction costs. Since the finance will have to spend from the budget already in the earthly life, the desire to do so economical, fully justified. Support yourself in this trying different explanations.