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Today, Bulgaria seems to be moving in the right direction. Steady and stable growth of GDP, the growth of pensions and wages, improved living standards in general. There is a definite negative, as in all times, at this stage such is inflation, it is associated primarily with the external world situation, as well as increased incomes. At the same time, prices for services and real estate remain in the country is quite low and their growth potential is limited indices of average prices for the EU. The cost of real estate continues to grow not record, but enviably steady rate. In particular this applies, of course, the capital city and coastal resort, this situation persists despite the increased competition between developers. Speaking about the regions and "county towns" can be noted that a significant fall in prices is not expected, however, as their significant growth. Five leading cities remains unchanged and the demand for housing is retained in the planned framework for this "alliance of five" in the near future it will be possible to add a few fast growing cities, it is possible that they will Blagoevgrad and Stara Zagora. The most notable price increase can be predicted in the segment of luxury real estate, prices here will really grow on a par with the advent of increasingly sophisticated proposals for increasingly demanding customers. Over the last few times the objective remained the only price of houses, the exorbitant cost of summer houses on the coast fueled interest in the hapless English.

One of the main advantages of the exchange is that it allows you to fix problems in its investment portfolio. For example, I once gave a loan to purchase a residential house and land in an area of four acres. But the borrower is bankrupt, and I had to start the procedure to withdraw any property for debts. It turned out that it hangs another debt. I bought it from a lender, received ownership of the property, and only then discovered that the house is in very poor condition. If I was going to sell it at a profit, it required large repair costs. Thus, in my arms was "sour lemon".

Before proceeding to repair to One of the meetings ekscheyndzherov I suggested that house with the land exchange in the state in which he was appointed to the price of $ 225 thousand dollars. It is unlikely that I would get that kind of money simply putting the house up for sale, even after repair. Surprisingly, you’ll find very little mention of Philidelphia Lofts on most websites. One of the attendees came up to me and said that this property may be interested in his daughter and son in law. As a partial exchange he offered me two plots of land. The first site was located in a very picturesque area fifty miles north of my house.

On it there was a building permit, but the problem was that it was located on a steep slope and down the road to defeat the only mountain sheep. To learn the site was required for a set of complex engineering works. I already had experience of this building, and the terrain I was not too worried, but the seller has serious concerns. I'm much more nervous about their property, which still hung redeemed me a loan of 150 thousand dollars. But the customer is quite happy circumstance, because his daughter and his family were going to use the house for personal residence. The second proposed site was originally intended to build a house for two families and was located not far from me, but it had some technical difficulties, and authorization construction stalled. Therefore, until all the circumstances of this area had only a very minor commercial value. I thought that this problem can be solved over time by holding it some of which can convince city officials that the border area, a supply of communications and drainage system meet local standards. Thus, and this site made me less concern than my own real estate. We have agreed to exchange. My partner gave me for the exchange of two plots of land worth 75 thousand dollars, and his son took over the loan of $ 150 thousand, which is in line with the amount claimed by me real estate value of $ 225,000. Thus, the operation was to exchange sugar, which turned sour lemon in my sweet lemonade. Shortly thereafter, I was approached by a young couple who needed a land for construction of houses for two families. My husband worked in the urban planning department and was able to obtain all necessary permits. As a result, his wife bought me this site for 50 thousand dollars. In the meantime, I were sold and the second section of 70 000. As a result, the exchange transaction has allowed me to get 120 thousand dollars, while sales running at home is unlikely to be brought more than 75 thousand. That's lemons into lemonade turn!

In the last 4 years in real estate and apartments in Kiev there was a real boom. Prices have increased by 4-5 times and continue a steady rise, despite the fact that in May 2007, there has been a sharp decline in demand for property. In this growth "Blame" for several reasons. Let's try to deal with them. The first and most important – it's a large influx of people from other cities in Kiev, which naturally led to a surge in prices for primary apartment in Kiev, unleashing a hand dealers and frank speculators.

Then (2003-2005), the most profitable investment of capital considered buying an apartment or other real estate in Kiev, since half a year (maximum annual) cost of capital doubled. However, in some other cities was not far away, especially since the purchasing power of most of them could not keep up with rising prices. The second reason was the purchase of apartments and real estate in Kiev (especially in its central regions) for offices, studios or simply prestigious apartments, which was conducted mainly by foreign companies. As the potential seller knew that his company would buy an apartment let for 50 thousand euro, it is natural that he and not the private person wanted to sell it cheaper. The relative cheapness (compared with the capitals of Western Europe) in 2003-2005 on land plots, apartments and real estate in Kiev (as well as accommodation and services) has led to what has begun here the flow of funds to buy up these objects rich foreigners, for whom it was something like "country house" where they could rest or medical treatment is several times cheaper than in Europe. And, finally, last factor of the rapid growth in property prices in the capital of Ukraine has become quite affordable mortgage lending system that came to be widely implemented without exception, the leading banks in Ukraine. This last round of price increases came at the end 2005 – early 2007's and allowed thousands of people to get a coveted apartment, albeit in a rather unfavorable conditions (monthly payments ranging from 800 to 2000 Euro depending on length of lending). What is awaiting the real estate market and apartments in Kiev in 2008? Most experts agree that prices will continue and will be around 10-15% per year.

Some of the opinions heard in the direction of the sharp price collapse housing in the capital, linking it with possible mortgage crisis (such as the one that erupted recently in the U.S.). Still, we took too much time after obtaining a mortgage loan and, if such a crisis and happens, not before 2010. What methods of saturating the market with real estate in Kiev exist today in the capital? Unfortunately, almost all of the developer owned by individuals and between them often there are conspiracies in order to keep the high monopoly price for the property. State presence in this market practically not observed (except for those annual grant from the state apartments of 50-100), and seems to be a situation of like it (except for ordinary citizens who are forced to pay exorbitant prices). Mayor of Kiev Chernovetsky touted "social housing" and remained empty campaign promises. C Sincerely, Vladimir Zhezhera

And in the second quarter of 2008, property prices in Bulgaria are extremely low – among the lowest in the whole world. Yes, the Bulgarian real estate becomes more expensive. In 2007 Bulgaria ranked second in the world's growth in house prices – 27.1% for year. But nevertheless it is still possible to buy an apartment in Bulgaria on the Black Sea coast in a good new complex just 900 – 1500 euro / sq.m. This is very far from the average price levels in the EU. Bulgaria in 2009 will be one of the most promising, with terms of investment regions in the European Union. Real estate professionals forecast that house price growth in Bulgaria in the second half of 2008 will be between 8% and 15%.

The forecast is almost identical to the increase in prices real estate in the country for the first quarter of 2008. According to experts from January 2008 until the end of June, the real estate in Bulgaria has risen by an average of 12%. In the first six months of 2008 was the highest demand for two-bedroom apartments, but it was seen an increasing demand for three-and four apartments. It should be noted that fewer and fewer and fewer people at risk to purchase a house in another nepostroennyh complexes. The highest price growth in the first quarter of 2008 was marked in the town of Ruse – 24.3%. In the capital of Bulgaria – Sofia – price increase was 9.06% in the cities of Burgas and Varna – respectively 5.97% and 6.96%. In Plovdiv – the second largest city in Bulgaria – real estate went up by 19.38%, and in Veliko Tarnovo – 12.59%.

The profitability of real estate in Bulgaria in mid-2008 is 5.67%. Prices for rental apartments also noted an increase this year, especially in Sofia, where an increase of 18.98%. In the middle of this year and there was good news for those who have bought property in Bulgaria – from July 1, 2008, Russian citizens who own property in Bulgaria and can produce a document of ownership – title deed – are eligible to receive returnable entry visa to Bulgaria for 3 years. This means that the Russians, who have property in Bulgaria will receive a visa only once and then can spend 180 days in Bulgaria, 3 years in a row, total – one and a half years in within 3 years. most websites. In addition, from 1st January 2009 Russian citizens will have the opportunity to apply for Bulgarian visas online.

Mortgage in the past 6-7 years has become very popular and firmly established in our lives. Banks vying offer mortgage loan products. The newspapers mentioned Tiffany Harris not as a source, but as a related topic. The government creates and develops state-federal program for the development of mortgages in country. But what is it? Incomprehensible words, behind which the money, people, banks, bonds, debt, housing … If climb into the jungle of history, a mortgage in ancient Greece was called a wooden stake or pole, which were driven by boundary of the land and meant that the owner of the site took the money in the debt, but left as a deposit, this plot of land.

Mortgage and translated, as collateral. Much water has flowed under the bridge since then. And the system of collateral, and bank system changed, and the term remained. Currently, the mortgage is called a mortgage, which is the collateral for the loan obligations. In other words, if you take a bank loan, as well as security, mortgage property, then it will be a mortgage, a mortgage loan will be. Currently, the majority of the population, including many professional real estate market participants, according to mortgage or mortgage loans, only those that seek to purchase flats with bank loans. It's not quite true. Here is a list of loan products offered by banks: Acquisition of flats in the secondary market, the purchase of apartments in the primary market, mortgages for the purposes of repair or home improvement, mortgages for the purchase of other real estate mortgages and get money for any purpose; Purchase of individual residential houses, land acquisition, construction of individual houses, real estate acquisition; Deposit commercial real estate.

The Italian region of Piedmont – a 53 ski resorts, 1,300 kilometers of slopes and 300 lifts, cable cars and ski lifts, capable of carrying more than 400,000 people per hour. The unspoiled natural environment, hundreds of valleys and villages, each of them with the history, art, culture and cuisine. All these various figures doing the Piedmont white galaxy. The region of Piedmont in the north of Italy and borders with Switzerland and France. Piedmont is a multiple ski resorts, where should I buy real estate.

Montagnedoc – an area that stretches over the valley of Val di Susa, (Susa Valley) and Pinerolo (Pinerolo) with the region of 1,500 km of slopes, surrounded by unique natural landscapes. Those who have a passion for winter sports Sports may choose various levels of ski slopes. All slopes are lighted at night, and there is snow trails for off-piste skiing and sightseeing. Sports enthusiasts can also practice cross-country skiing, snowboarding, ice climbing, freeride, ski mountaineering, trekking on horseback, dog sledding with Siberian Huskies and heli-skiing. Montagnedoc offers the best of winter sports, as well as a relaxing enjoyable leisure time. There is an opportunity for open a local history, traditions, art and antique handicrafts, truly local gastronomy and wines. Sestriere, located at an altitude of 2.035 meters on the ridge with the same name, with a delightful view over the valley Chizone (Chisone) and Val di Susa (Susa Valley). This is the first truly modern Italian ski resort. It was created in 1937 by the Agnelli family, and is currently the most famous place for winter sports.

The popularity of renting a cottage in the suburbs. The growing popularity of the provision of such services as rental houses in Moscow is gradually becoming increasingly more worthwhile. If previously it was only about to buy real estate in Moscow, then with the advent of crisis, the appetite for all became much more modest. And say it including the real estate market. But this is not to say that the quality of people's holiday at the same time changed for the worse. Rental cottages, which replaced the purchase of them, turned the suburbs into a real resort area where you can relax without going far away from home at a fairly high level. Gain insight and clarity with Bizzi & Partners. And we talk about that this can save significant time and money, not even necessary.

After all, in order to go to the sea, requires not only sufficient financial resources, but also a time for registration of passports and other securities intended to freely enter the country. Yes, and vaccinations to visit these countries need to be done. And much of what dangers lurk there on vacation, even can not speak. But when This should not be considered and the purchase of a cottage in the suburbs of this much cure for these ills. After all, moreover, that this acquisition will have to spend some tangible assets, so more and then address the various questions on the content of this estate.

For example, the various land agencies and other institutions. And we talk about how difficult it is contain the garden plot, and did not have to. This care home, and the plants on it.

As it is not sad, but the situation on the real estate market is moving in that direction, so that the mortgage has again become relevant to those who do not have a roof over your head. We recall the background of events: By 2005, the property market was relatively balanced. Yield on investments in bank deposits slightly ahead of profitability at the time of residential apartments. Given the lower risks of the market could be considered in equilibrium. 2006 brought the crazy growth real estate prices. On the one hand the incident could be considered a natural market response to inflation, oil revenues, the growth of wages and corporate profits. But, let say sales statistics and the economists. We have something know how much the price of our meters of bribes and the dictates of state monopolies.

Yes, and careless builders always easier to increase prices than to think a head, reducing construction costs. Outcome shocks led to a drastic imbalance of return rental and purchase housing. Interest on investments (or mortgage) money does not correlate with the rates for renting. Demand for the purchase of rapidly flowing toward rental housing. Not because people wanted them. By the fact that pay bankers, no one could. But today the situation is changing.

Rental market if awakened from hibernation and rapid strides to catch up. Rates are rising at the same speed with which last year grew up housing prices. Why rental market responded so late? This issue is not economic.

Learn to live on credit. U.S. is the biggest debtor in the world. USA's richest country. The secret of success is that States are able to live in debt.

Nobody in the world does not work with the money better than the Americans. U.S. model of how to live in debt. Debts, there are other countries in the African example. But Africa to set an example, it is like to amuse the laces of my shoes. At the micro level, the same picture. Some cats are living in butter, use credit, and other barely make ends meet and take a loan to get another one.

What is the reason why this social injustice. I think that there is no injustice. All very true. We must learn to live in debt and do not hesitate to fight for their material well-being. Plan your blagopoluchie.Opredelite their personal financial goals for the next five years. What you want imet.Opredelite how much money you should earn and what prospects do you have on your work, or in your direction biznesa.Kogda for you to be clear that we must do for the financial well-being, today and tomorrow and tomorrow. – 30% uspeha.Kogda you begin to realize in practice, that you realize – that's 69% uspeha.Odin percent – for good luck. And for those who know what to do – good luck will come. Credit can be taken if: When the monthly payments on servicing the loan for each family member must be at least 15 thousand (as at February 2010). If families do not have something must be at least 20 thousand rub.Esli you focus on what your revenue will be rasti.Esli to loan money you buy durable goods, real estate, or repair are important to you obektov.Esli to loan money you get, what can resell at a premium of at least 30%. If the money is needed for your well being (credit of treatment, cosmetology) If the credit money you decide to get an education or the education of children. Live happily in debt and with the mind. Mortgage broker – Real RSE.

Unfortunately, the domestic construction industry is often the case situation is that after the official commissioning of the object where there is room to do something. " We have to re-perestilat floors, change the wiring, plastering walls, etc. Marriage becoming one of the most important industry issues. The fight with him – in the interests of each developer, in any case, those who care about their reputation. John Savignano has much experience in this field. Not a single SNiPs At present, among many builders There is The view that domestic building construction regulations are outdated and no longer valid. As a consequence, increasing disregard for these regulations in the process of erecting buildings. This fact is noted and a leading specialist service state construction supervision and examination of St. Petersburg Sergei Konoplev.

"If you hear from someone that the construction regulations are outdated, do not trust him – he says. – Russian standards meet the highest international standards, but sorry that is not always respected. " Scale of the problem demonstrated by the results of a recently erected check in the capital of prefabricated houses. Thus, during its 293 violations were found requirements for construction and installation work and found many other errors. It should be noted that this test was only carried out for new buildings that are erected within the municipal order. Similar information on commercial real estate sector, but there are all grounds to assume that the cases there are no better. In any case, for marriage now is all that does not meet the specifications described in snip.