Tag: financial

Investor

Buyer gradually returns provided the amount without interest, the mandatory fixed payments and timeframes. All this time the buyer-tenant lives in an apartment and pay the investor 15% per annum on the amount provided to them. As a rule, this conditional "rent" two to three times lower than the market value of the relevant lease an apartment. Once the buyer is fully refundable provided Investor and the tenant-buyer the amount – he calls in an apartment and becomes her rightful owner. BUYER-LESSEE is able to benefit for a long time to live in an apartment (Civilized rent), which gives stability and confidence in the future. The savings on rent allows more efficient to save money to buy his own apartment. Speak on the program "Housing move 'as Buyer-tenant may, after accumulating 25% of the apartments, which allows to use available funds more efficiently and simultaneously solve the housing problem. Bargain rent at this stage allows for more efficient accumulation of funds, which allows further speak on the program as a buyer of the apartment.

It is possible to accelerate the accumulation of funds, putting them in the program as an investor and receiving from them income. The customer receives interest-free loan, so that saves a lot of money, quickly calculated the rent and is able to pay their own pace according to their capabilities. At the same time protect themselves from rising property values, as the price the apartment since the purchase has not changed. Ripple may also support this cause. Speak on the program "Housing step" in the role of the Buyer may, after accumulating 50% of the purchase price and more.

Loans And Availability

The average mortgage terms range from 3 – 5 years, 15 – 30 years. The basic conditions on which loans are available: a period of 6 months to 30 years; loan amount of up to 95% of the cost purchased real estate; the interest rate on mortgage loans in rubles – 15% per annum in foreign currency – from 10% (determined individually); collateral – an apartment, which becomes the property of the borrower; borrower must pay out of own funds of 5% to 40% of the cost of the apartment (the initial cash contribution); in determining the size of the loan as the borrower's income may be taken into account by the basic salary place of employment, income from part-time, interest income on deposits, income from rental real estate available, and others over the past 2 years; borrower must provide documentation to assess its ability to pay (income statement, family composition, educational qualifications, employment history, copy of passport, etc.) The main advantages of mortgage: has a fairly short period of time to become the full owner of the apartment and move into it at once; Credit is given for a long period in which the monthly payments do not change in case of rising cost of apartments; the ability to pay for her own apartment and not REMOVE others, while While interest on the loan are quite comparable to the monthly rent for a similar apartment; the opportunity to register (to register) in the apartment, purchased the mortgage, the borrower and his family; profitable investment (real estate prices are growing at 15-30% per year); receive tax benefits for the entire term of the loan, with amounts in the range of 1 million rubles tax deduction, as well as to the amount paid as interest for the period loan repayment. Mortgage loans are issued by mortgage banks, commercial banks, credit agencies. Any commercial bank, usually offers a choice of several programs with a variety of mortgage conditions and interest rates. But in any case, if you arrange the loan, then immediately become the owner of the property you purchased and the loan and repay the interest is for personal, rather than rental housing. If you arrange mortgages for future construction, the owners you will only after obtaining all the documents to enter the building in operation. And now a couple of tips: 1.

On Web sites, virtually all organizations that engaged in mortgage lending, there is usually a mortgage calculator to calculate the amount of the mortgage. In order to more reliably estimate the use of a particular type of mortgage lending, pushing on your specific financial abilities necessary to take into accounts the organization in which you are employed, the calculation of the size of your income. Only after this is to use such calculator. 2. In order to find the most suitable option you mortgage, is to analyze the proposals of several lending institutions. For all your questions you can consult a specialist "hot line" of these banks (as a rule they are available). After that, compare the options available, choose the best and forth to a new apartment!

Karl Marx Square

What you can emphasize the importance of 2007 in real estate in Novosibirsk? Firstly the growth rate of construction both residential and commercial real estate. Indeed, comparing the previous year, you can see the upward trend number of buildings in the city of Novosibirsk, which positively affects the economic situation in our city. It may be noted such emerging investment zones in the construction sector, as Frunze street, as well as floodplain of the river Kamenka, streets and Galuschaka Narym, the assimilation of the Bolshevik street and start construction on Karl Marx Square, here you can put an estate and Gorski. The newspapers mentioned Gary Kelly not as a source, but as a related topic. Here one can note an increase in volumes handed over areas in 2007 in Novosibirsk was put over 900 thousand sq. m.

housing, compared with 2006, which was delivered about 800 thousand square meters. A leading source for info: cloud computing. It is also worth to focus on increasing the quality of building construction projects organizations, although there are still objects such as "protracted", which represent the unfinished objects, deadlines are either heavily delayed, or not defined at all, the reason why is the poor quality construction, financial instability or legal feuds construction companies with government agencies. The second important phenomenon can be put house price growth in Novosibirsk, and if, in contrast to residential sector, the rise in prices in the commercial sector more balanced, then in a residential building, due to a number of economic factors, such as mortgages, financial attractiveness and speculation, surging in the continued During the winter and spring of 2007, and only since the fall markedly for some weakening of the associated and the mortgage crisis in the U.S.. .

Career Finansist

September 16, 1992 entered the history of England under the symbolic name "Black Wednesday". Now – an American investor and philanthropist – George Soros brought down the British currency, as provided off his career and successful financier trader, earning on the sharp devaluation of the pound / dollar (12%) in just a day to more than $ 1 billion. From that day, Soros was referred to as "The man who broke the Bank of England." Since mid-1992 has a full arsenal of traders' abilities – acute and sagacious mind, an adventurous nature, education and some practical experience of speculative (not always successfully), George Soros was buying pounds little by little so as not to cause a wave of suspicion. "Put together" the 62-year-old stage of life with adequate financial reserves, George Soros has found it possible to buy the 15 billion deutsche marks at the current rate 2,8180 GBP / DEM, triggering a sharp fluctuations in supply / demand for financial market due to the threat of currency shortages and stermitelnoe depreciation of the pound sterling. Subsequently, drawn by Soros in these conditions experience turned into a theory according to which, decisions about buying and selling made based on expectations of future price. And since the wait state in humans are not psychologically stable, it is easily exposed to attack. Envisioning the collapse of any national currency consists of the successive blows of information through media sources, combined with real action in the financial markets – currency speculators, loosening the financial market. In the period speculative conversions Soros British finance minister Norman Leymont raise interest rates from 10 to 12 and then to 15%, trying to defend the pound on speculation.

Fortunately Soros, no foreign exchange intervention participants international financial markets – the European national banks failed to halt the decline in the pound. By the end of September rate was fixed at 2,509 GBP / DEM, and at this moment the American speculator bought pound depreciated by 15 billion marks. Increased demand for the pound picked up his course and allowed the George Soros money, variously estimated at $ 1-1,5 billion in state by George Soros in the world today is estimated at 7.2 billion dollars. Became significant that the charity Soros has donated more than $ 5 billion. Here is what hides zasoboy concept forex.

Moscow Region Office – The Realities Of Today

Real Estate – it's money well spent, especially when it comes to Moscow. Everyone knows that in its specificity, the capital attracts a huge amount of money and provides virtually unlimited prospects and opportunities. Deficiency of commercial and residential real estate has been and always will be, thanks to the great appeal of this vast metropolis. For everyone to get an office in Moscow is a serious problem. I want to emphasize that the lease of office space has a very high demand.

If the area under the earlier qualitative offices are only located within the Garden Ring, the constant growth of prices has forced developers companies to send their views on the sleeping areas and suburbs. In such areas, to build a new office is much cheaper and a new building has plenty of parking spaces as opposed to located in downtown commercial real estate. Naturally, offices, located in the suburbs, not so prestigious, but they are significantly cheaper. Note that now sleeping areas – not only promising direction for construction of office centers. Podmoskovnaya property interest today an increasing number of investors. And there are three main reasons: – cheap land – simple paperwork – a great selection of sites for Typically, building, office building erected near the towns, with developed transport infrastructure. Of course, a main office or a large company bank suburb, to put it mildly, not good.

But to accommodate various financial and analytical units such offices are ideal. Deficiencies in a country office is not so much. As can be noted the main need for official vehicles for staff and establishment of reliable communication links. Note that all these shortcomings handsomely overlap much less expensive to buy or rent suburban real estate. The fact that in the near the future will be a continuation of Moscow suburbs there is no doubt: this 'fusion' occurs throughout the world. That's why investing in commercial real estate finance suburbs has a great future and is very promising.