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All models of mortgage lending in the Russian Federation of Russian mortgage lending where it is used two or three dozen different models. In various regions of Russia used the same strategy mortgages, as well as there are differences in approach to resolving many problems with housing. All of these factors leads to the formation psevdoipotechnyh programs. The American model of mortgage One of the most common and classical schemes mortgage is an American mortgages, which consists of 2 levels. Click Lord Peter Hennessy to learn more. The basis of this "American" model is the separation of the source of funds from creditor banks. In Russia such, this model has meaning of the federal scale.

For the successful future of the U.S. mortgage system to the adoption of the law "On Mortgage Securities." As well as the development of the American type of lending slows lack start-up capital in the regions, most of which are oriented not at the expense of "privateers", and the capital budget. German model Mortgages In the American model in Russia as quite successfully developed German model of the mortgage. It is based on a system of savings and loan funds. For all depositors opened an escrow account in which he for the lifetime of every month brings a fixed amount under Savka lower, than the market. Accumulated amount is half the cost of the purchased apartment. This period is called the "accumulation period", in his completion of the lender receives the remaining money to buy apartments under the percentage that well below the market.

Spain is considered one of the best countries for vacation. More information is housed here: Peter Asaro. It has long been the proud title of European tourist Mecca, annually attracting hundreds of thousands of travelers and tourists. Beautiful resorts melkopeschanymi beaches, the warm southern sun, clear clean sea, through the azure waters of which you can see the entire floor topography down to the smallest shells. And what are Spanish restaurants abound as tasty local food, it is impossible to resist and not eat them, we say nothing about the sights in this country who are found at every turn and strike any tourist with its grandeur and beauty to depths. Even ordinary home in Spain are often historic and architectural heritage, but they are as well preserved that they still live people. Spain is good for any kind of rest and each will certainly find something here for themselves particularly attractive. Fans of trips and those who prefer a quiet beach holiday, fans of romance or adventure-seekers – in this wonderful country for all there Drink to your taste and interests.

It has long chosen this country and married couples with children, who often prefer to stay in hotels do not, and rent apartments in Spain, which is much cheaper vacation. This is especially important for parents with young children, usually resting at least a month because of a shorter term child does not have time to fully acclimate. Besides home furnishings in the good way is different from hotel, so that the rest of children will not cause you any inconveniences and trouble, but it will bring many pleasant experiences.

Economic and political factors remains a major obstacle to investment, which at the moment is not enough in the market. Although it is not a stable economic and political situation in the country expected to increase investment activity in commercial real estate. In this hotel, retail and entertainment projects will be one of the first series in the priority of implementation. This is due to chance of the matches of Euro 2012 in Kharkiv. A year ago, Kharkov considered as a venue for Euro 2012 games including the spare. After winning the tender in Ukraine the situation has changed dramatically.

Now, regional and municipal authorities are not only have turned to European football forum, but in a voice says Kharkov see at least one of the matches of the championship. According to Victor Hristoeva, Adviser to the Mayor on preparations for Euro 2012 according to UEFA, Kharkov 1927, you must have 5-star rooms, 1335 – 4-star and 175 – 3 stars. To date, the deficit in numbers of high-class as a whole is 2800, while three-star in abundance – "Extra" 773. The second important issue is the preparation of the airport. Learn more about this with Mike Madden PostEverything. Victor Khrystoyev emphasized that reconstruction and lengthening of the runway here is crucial: it is necessary that it be not less than 2620 m.

Khrystoyev also reported that the Kharkov City Council has already received assurances from private companies that have built in four five-star hotels. In addition, according to Councillor Mayor, for the reconstruction of ten urban Hotel officials plan to spend nearly eight million dollars. Nearly $ 15 million will be spent on something to make the student dormitories at three-star hotel. Now in Kharkov 17 hotels. Also, in terms of preparation of Kharkov in the championship construction and reconstruction of public roads Kharkiv – Kyiv, Kharkiv – Poltava, Kharkov, Belgorod, renovation of hospitals. Also consider the possibility of use of recreation centers and camps in the Kharkiv region. Total for the implementation of training and City of Kharkov in the finals of the 2012 European football authorities have provided the city 3.6 billion dollars. Increased investment in infrastructure, increase the investment attractiveness of the Kharkov city, and we can expect major international operators in the field of commercial real estate. Thus, investment DCH group in addition to reconstruction of the stadium "Metalist", developed a project to build a modern sports and entertainment complex 'Metallist City'. Check with northland to learn more. Thus, in 2008 – 2012 years can be expected surge in trade – the entertainment and hotel properties, as well as in adjacent areas of commercial real estate – the warehouse, and administrative – office. Real Estate Agencies Kharkov also predict demand and maintain growth prices in the residential real estate and the value of land.

We decided to buy a new car. And where the purchase, and there car insurance. But how to choose an insurance company? In the Russian market are hundreds of organizations offering their services. Some options: 1. Familiar 2.

View Agents from the cabin 3. Enter the Internet search and rating of insurance companies see big portals filled with feedback from customers …. But can we rely on them? My personal opinion – NO. The fact that each of these sites earns from advertising of insurance brokers and agents (banners everywhere). Of the eight hundred thousand negative reviews. Even the reviews are full of confusing terms …. After a brief examination of these sites want to insure car disappears altogether. 1.

And would you leave your feedback if the year is insured, you have paid and you are happy? According to statistics, one out of ten "satisfied customers" will leave a positive one. 2. You all bad: delaying payment, or refuse to pay at all – we climb into the Internet and write everywhere that the company refuses to pay the "help" or "not fear, here are deceiving." That such feedback is left eight out of ten people who are dissatisfied with insurance company. Here is another "trick" people's ratings, most reviews of these belong to the employees insurance (tip could leave each registration process is simple). Imagine: You are the head of department Sales of insurance products, you have to subordinate the 20 Th managers. Give them a job for ten minutes a day to leave good feedback about your business and bad for others … .. That's the whole score. There are a number of organizations that are ratings of insurance companies. Among them is the "Expert RA". This is a large independent agency rating, which can really be trusted. They appreciate the companies such as Ingosstrakh, Reso, Rosno, Renaissance, and Uralsib etc. This is perhaps the only reliable professional reliability rating of insurance companies.

Your dream is to buy property in Italy – a country with raznobraznoy Dolce Vita food and wine, easy style and elegance, in a country that knows how to enjoy life. Italy is a land for those who loves to travel, taste new tastes, to reveal hidden treasures, and to all those who love a relaxing holiday in harmony with nature. Elegant villas along the sandy beaches, the mansions in the green hills, old houses in the medieval area. Wonderful world of art, architecture with a rich and ancient history, the cradle of western civilization. All these advantages combine Italy. Where to buy property in Italy? When planning buying real estate should be understood that in so many regions of Italy with its traditions and local customs. Thus, the language in Calabria and Sicily is quite different from Tuscany and Liguria.

All this wealth and diversity of Italian culture opens up opportunities in the choice of real estate. Maybe you want to purchase a prestigious apartment in the trendy Milan, quiet house in Versilia, villa for sale in Forte dei Marmi, or in the mountains near Lake Maggiore (lago Maggiore)? Agency Monol.it by Smirnoff & Ray – of the leading Italian agency in the Russian market. We represent the interests of agencies that have 20 years international experience in the property market in Italy. Monol.it by Smirnoff & Ray will become your constant reference to the world of real estate in Italy. Our mission is to provide quality services to all who love Italy.

Suppose that you intend to buy property in Italy and have already chosen a property that meets your needs. The next step, which you probably are going to take – it's in your purchase notary. Since it is desirable to wait and above all take care to minimize risks at an early stage of the transaction by confirming the veracity of pre-and reliability of the information received from the seller. Before how to go to a notary draw up a contract of sale of real estate in Italy, the purchaser is recommended to gather some information about the property being purchased and the actual Seller: verify that the seller really has in place you are interested in real estate, find out whether you have to deal with the seller having title to the subject of negotiations as a result of the mortgage, to clarify, is not encumbered with a real property servitudes, to make sure that you are interested in a property built in accordance with the Law on planning and construction of acting on the territory of the administrative unit Italy. If you have read about Jeff Flake already – you may have come to the same conclusion. If you buy a house or commercial property in a new building directly from the developer or investor-sponsored construction, we ask for information about financial status of the seller's bank. Tenants or tenants already constructed buildings that contractor can tell you how satisfied they are the result of the construction. If you are purchasing second homes or commercial property in an apartment house, Talk to the administration building and the tenants. .

Of course, buying an apartment – one of the most important events in human life. By the choice of accommodation must be approached very seriously, to explore the real estate market, draw your own conclusions. It's no secret that buy an apartment in Moscow alone is difficult, and dangerous. The best option – to use the services of specialists who will provide all necessary assistance in the selection and design of housing transactions. Prices on the secondary real estate in the capital quite high. Having studied the proposals of real estate agents, many come to the conclusion that it is better to buy an apartment in new building in Moscow.

Today, the buildings in Moscow – one of the most extensive and advanced real estate market segments. The main advantage of the new housing – a relatively low cost. In addition, the purchase of new buildings in Moscow is not only an opportunity to buy their own apartment, but the ability to earn, if you buy it for investment purposes. For other opinions and approaches, find out what author has to say. Any real estate company to offer dozens of options for new buildings, designed for different customers. Suggested options under the heading "New Moscow" include many different objects. The real estate market of the capital buildings in the segment offers an array of objects, considering that you will be able to take into account all your wishes.

New buildings in Moscow – a great chance to buy luxury property in the capital and to invest successfully. Moscow offers all new buildings in the most modern residential complexes in the area of your choice. Experts chosen real estate completely take over all matters associated with finding accommodation, legal support and paperwork. But the search for the agency should be approached no less serious than the choice of apartments. You should only work with a firm that has established itself in this industry. Finmag – Real Estate offers new buildings in Moscow at the prices the developer, and our service will cost the client for free. Our database is represented by a large number of proposals of new buildings in Moscow. Employees are ready to assist you in selecting the optimal variant, the design of transactions and legal examination of documents.

Share construction against the housing bonds. How to make the right choice? At present in Belarus to build housing there are three ways. The first way – it’s part in the joint construction, the second – Purchase housing bonds and the third – the construction of HBC. Visit Chief of Staff for more clarity on the issue. Construction of HBC, we’ll leave and talk about the joint construction and housing bonds. Anyone who has ever wondered a little real estate market, knows the nuances of many shared construction, but that’s about as long as housing bonds, little is known.

Perhaps this is due to the fact that the stock market is very underdeveloped in our country and should take some time until people realize that buying housing bonds – it is really beneficial. Let’s compare the equity and housing construction bonds and determine the pros and cons. In the joint construction of real estate developers attracted by real estate investors to invest in properties on the varying degrees of readiness. As a general rule, if a house under construction has not started yet, and in its place only a pit, then a square meter of the future housing can be purchased most profitable. The higher the wall being built home, become more expensive per square meter. Many are attracted by such a scheme, as there is the possibility of installment payment. But there is a mass of potential pitfalls. Probably everyone remembers the story of the real estate investors, which until still can not get your money back, so be very careful in selecting the developer.

Since giving quite a lot of money, everybody wants to enter into a new apartment in time, but renting a home can always be postponed, and or even construction can be frozen. Perhaps the right decision here will appeal to the real estate agency, which will check the builder and will provide all necessary information. Yes, it will have to pay, but maybe it will save on unnecessary risk. Purchase of housing bonds – this is a complicated process, but at the same time more profitable for the buyer. Since buying a bond, we buy one square meter of housing in particular house and its price can not change. Further possible sale of the bonds on the secondary market, as well as its value is growing, it can be a very good bargain for the owner. Purchase housing bonds eliminates any risk to consumers, so as to be secured by any assets of the organization that issued it, or insured. Very often in such transactions, the guarantor of a bank. However, despite all the advantages of housing bonds, many real estate agents still tend to build equity. They explain this by saying that the participation in joint construction interest holders may use credit proposals from many banks, including those involved in concessional lending. A credit for the purchase of housing bonds yields so far only one bank, which reduces the number of people willing to buy them. In conclusion, we noted that probably every man for himself decides how it is easier and more profitable to expand their living space.

But we are optimists, and so we believe that with our provider during the years of the contract nothing bad happened. What next? But here too some advantages: The entire amount of their savings back, but still with a profit of investment income, if desired, you can arrange payment life annuity (pension) under the amount that has accumulated on the account of an insurance company can get credit for (in their own you take a loan) if the business 'broken' and divide the money comes from business partners or former spouse, the amount contribution to the UK is not subject to seizure and partition of, unlike bank accounts. Robotics is often quoted as being for or against this. The deposit amount is completely confidential and will not be provided to third parties under any pretext. Read more, watch the presentation, acquainted with video clips, comparative tables published materials on the topic of insurance, to order an individual consultation, to issue the group insurance and much more, you will be able to on my site Website constantly evolving, sign up for updates. Life insurance policy – a recognized tool for financial protection in the world. For example: In all developed countries, parents with the birth of their baby often draw up a policy NUJ, which gives the child an opportunity to dispose of the amount of mature years of his choice (university studies, opening a business, etc.), or the extension of the policy and build their own capital, which is to make retirement a very, very attractive sum. In addition, throughout the life insurance company 'keeps umbrella' over insured. Will you protect your asset or ponadeetes again on the 'maybe' – it's up to you and remember: Nothing is as cheap as the policy at the time of purchase, and nothing is as expensive as a policy at the time of the loss. " If Ostap Bender interesting to understand and deal in financial instruments, I highly recommend the book well-known financial advisor Vladimir Avdenina – 'ABCs of financial literacy, "I, in turn, as an insurance consultant, ready to give expert advice on the topic of this post, and good luck …. Protect your number one asset today.

What will happen with prices for apartments in Israel? For some it is said, the million dollar question. Some say that the prices are prohibitively high and would soon fall, others – predict further price increases. Let us turn to the basic concepts that affect the price of any commodity – supply and demand. Population growth and fertility rates in Israel are high. A little land. And the land on which Jews are allowed to build even smaller. That is, for now the demand for housing in Israel far exceeds supply. Press is full of expert opinions and searchlights politicians who promise a quick approximation of a bright future, and lower prices.

I think chitelyam aged 35 + is something napomnaet. Obeschayut allocate land. But not enough. Some land in the center of the country is isolated, but not residential, and industrial buildings under construction, usually to institutions Hi Tek. Surrounding cities-examples – Tel Aviv-Jaffa and Rishon Lezion. The question on intelligence: What effect will the construction companies with highly-paid professionals in these and so is not cheap cities? Another intersnyh widely publicized measure of 'lower' prices for apartments – reduced taxes for contractors who will build houses for rent, do not understand that! That is, build them cheaper, but still remain in the building ownership. A construction loan will pay for the tenants.

Proponents of this solution argue that there will be more apartments for rent, and, accordingly, rent will be cheaper. Logically would like. But here we must note that today the Oklo 50% of buyers in the housing market – it's investors, that is People who buy apartments for the purpose of renting.

The difference between the amount of money buying and selling apartments sum you get from a cell bank after registering the transaction. If the transaction is made, the bank receives the balance of the debt, the debt for unpaid interest and penalties and interest, if any. All that remains – goes to the seller. If the deal breaks down for some reason, the registration of a contract of sale and transfer of ownership does not occur, takes the money back frustrated buyer, seller, in this case, the debtor remains the bank. Can a third option – in this case, the bank approves the new creditor and is entering into a loan on it. Agreement is signed on the transfer of debt the buyer (also known as the new owner), who acquires title to the sold your living space and the obligation to repay the debt owed to the bank, thus becoming, the new debtor. The apartment also respectively is pledged to the bank. Under the third scheme is now widespread and now refinancing.

This service is due to the fact that a few years ago, rates on loans were higher than today. Therefore, if there is a possibility get a loan at a lower rate, many were willing to do so. To do this in the same or another bank made out the required amount of credit to pay off debt first, and the apartment as the object of pledge is transferred from one credit contract to another. This procedure also requires the consent of the Bank and obtaining all necessary documents.