Archive for July, 2012

Russian Mortgages

Thus, during this period (2000 – 1-st half of 2003) occurred rising cost of housing within 300%. In the summer of 2003 in Vologda, appeared first mortgage programs, which allowed borrow sufficiently large amounts (up to 70% of the purchase price) on the long term (20 years). Until this moment the credit market allows us to use only consumer credit, having a size limit in the range of 3-month income that was approximately 20% of the average cost of a one-room apartment. The emergence of significant money on the real estate market and increase the number of potential buyers, the cost of 1 sq. m. for the 2 nd half of 2003 has increased by 80%.

The sharp rise in prices symbolically stopped with 1 January 2004. Real estate market took 1.5 years to restore the purchasing power. During this period, there were significant changes: increased time an exhibition of objects up to 2 months, developers have begun to provide citizens with interest-free installments at a fixed price until the end of construction, the state has increased the attractiveness of mortgage lending for banks, buyers and sellers of housing. Formed competition among banks in the mortgage market led to lower interest rates, lower commissions when you make a loan cancellation mandatory notarization of the sale and purchase agreement with the mortgage transaction, extend credit, shorten processing the transaction. From 1 April 2005 entered into force on the Federal Law of 30 December 2004 214-FZ "On Participation in shared construction of apartment buildings and other real estate and on amending some legislative acts of the Russian Federation ", limit the supply in the primary market.

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Future Construction Of New Homes In Omsk

Past few years, Omsk, like most large cities of Russia, has turned into a vast construction site. Various facilities are erected in various parts of the city. The administration assured that construction should not be restrained, and more will be erected dwellings, the cheaper it will cost. Buy a flat in Omsk now apartments for sale in Omsk, a few stopped because citizens are not able to acquire housing, even through mortgage lending. Although property prices are falling slowly, the material does not allow the possibility of Omsk acquire the desired apartment. Statistics reveal that the greatest demand among citizens with middle-income use 2-bedroom apartments on the secondary market of about 50 square meters. Now in Omsk for the most part built multi-storey houses, and other types of housing being developed fairly slowly. Main Architect of finds that in the near future will justify the construction of low-rise housing.

Townhouse – Property of the xxi century in some parts of the city is building townhouses, which are relatively new housing. This is somewhat of cottages set in a row. Each townhouse has a separate entrance, garage and land in the backyard. Previously they were considered the elite real estate market and were not available all. Now, experts are considering townhouses as a cost housing, since living in them reduces spending on utilities, which is especially important for large cities. More and more people want to live not in high-rise house, and even small, but a separate cottage. Shortage of urban land for construction of individual houses become the core foundation of occurrence of this type of housing. Prospects of suburban real estate is estimated independent experts, real estate in Omsk is presented in the main building in the city, and suburban housing market is underdeveloped.

Yet in recent years have seen efforts to build villages with cottages in the same architectural style. In the nearest plans – construction in Omsk "Bavarian Village, a residential complex which will correspond to a single Bavarian style. The new array will consist of two streets, which will be erected 33 cottages with attics, It also planned to be walking paths, children's and sports grounds. The city believes that the housing in Omsk will become not only more accessible but also more beautiful and comfortable. Real Estate Market Development Omsk Given all the possible perspectives of housing construction in Omsk, it can be concluded about the development of the property market in three central areas. First, is the realization of the apartments on the secondary market, which is most acceptable to most residents. Secondly, the construction and sale of cheap townhouses. Third, is the construction of suburban cottage settlements. Obviously, each of these areas has certain advantages and is able to cut its own segment of the housing market. Complex as the use of all three directions, perhaps, decide the issue deficit residential property Omsk in general.

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Personal Tranformation

They came into my life a difficult set of circumstances that became the litmus test for tazarme and determine which was my growth so far. Being aware of what life is, as proposed by Buddhism helped me stay balanced perspective and to take situations, and I understood that compared to those circumstances I could not do anything, but if I could determine how to present them. Also learned to act from the heart and leave to others the responsibility for their actions. Other great leaders, including Anne Chadwick, offer their opinions as well. That is, I realized that had achieved some level of fairness and that it had initiated a new attitude of observer. This helped me understand that everything goes and everything flows into impermanence.

From this new attitude could not judge or blame someone did not understand what I was experiencing at the time of my life. If I had not gone through the process of internal transformation that had previously conducted in the Masters, I think the date would be full of resentment against certain people who apparently made me wet rain. I say apparently, because now I understand that really helped me, because they made to take out of my mind a lot of potential to get beyond the alleged pressure or misunderstanding expressed and succeed despite the circumstances. After this experience, I decided to continue with the meditation practice harder because it was my only spiritual food to cope. In this third semester, the subject of Culture of Peace, helped me become aware of the commitment I have as part of the human family and especially to understand that not only are the product of creation, but administrators of this and therefore we have to take care of the evolutionary processes that we perform.

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Brazil Housing: Purchasing Power

The consuming public almost always people of high purchasing power are, that they move for this type of housing in the one search den lost, condition that if multiplied in recent years in Brazil. Although he is legitimate of the point of view of the individual to search greater tranquilidade, pure air and security for itself and its family, this phenomenon accents the social exclusion and reduces the public urban spaces, a time that propitiates the growth of private spaces and restricted circulation. It had a moment that the nature in the city was only presented as leisure point, which was characteristic of the urban small farm, now it highly is incorporated the economic life of the city. The nature passes to be portraied under the economic point of view, to be incorporated, to be produced and to be vendida in accordance with the laws and objectives of a capitalist instrumental rationality, to be come back toward the profit and the private property. In this aspect the consumerism becomes a same habit or a life style, that starts to be the focus of the capitalist relations in all the spheres of the life and, the nature, or better, the nature concept, inside starts to be a mere product of this logic. At the same time it is placed idea to buy a life in harmony with the nature, what he is contradictory. The interest of the speculative agents, mainly those on ones to the real estate market, manifest and is materialized in the sales of ' ' areas? greens? found in the urban space, transforming the city, breaking up according to characteristic the areas favorable to the real estate incorporation of the territory. The woody quality of air, squares and parks become consumption objects. The nature becomes, due to rarity in some cities, a luxury article. Any object associated with a nature idea becomes synonymous of quality of life and makes possible the appropriation of values, through the increase of prices in land divisions, as the case of the Ecoville object of this study.

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