Tag: finance

Multipurpose Buildings

The new industrial centers, are provided with modern and multipurpose buildings, with rental options lofts and offices within their own industrial parks, sharing adjacent spaces where each group has complementary roles, providing coverage to different parts of the same project. It is necessary to “reinvent” Define HR management knowledge necessary to keep the company internally and that knowledge can be hired for a time, without losing competitiveness. The preferences of new business generation and hence workers have changed. Living and working in the same space. Created the new concept of office-loft, more creative space, which allows freedom of schedule, no traveling at peak times, with the possibility of service 7 X 24. Concept demanded by all firms end. Organizations need to adapt to very abrupt changes in the environment and economic cycles becoming shorter. This new way of responding to business needs, new opportunities to provide services for persons trained, autonomous in its niche of expertise, with indefinite timetables in their own spaces and within an industrial environment is shown by the increase in offers purchase or rental “apartments and office lofts.

In the limit we can now work on 50 meters Headquarters of a multinational, a 1 km or 1000 km Fits some clarifications and considerations to this model. The space, the location of these resources becomes co-managed by the person that does the job. The designers of industrial spaces, demographers have taken account of these trends and have built lofts and offices aimed at the world of rent, next to the large corporate centers.

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Leasing Mortgage

The most risky option mortgage is considered good in the back – its banks estimate extremely low – by a factor of 0,4 to 0,5. Not everyone knows that there is a possibility of taking a pledge not only available but also acquired property. In this case, the bank transfers the loan amount directly to the supplier, but the borrower must pay from their own 10% to 30% of the cost, depending on the requirements of the bank. Commercial mortgage commercial mortgage scheme is virtually identical to mortgages for private individuals. As collateral for the loan in favor acquired premises recipient of a mortgage to pay their own expense from 10% to 30% of its value, loan terms up to 30 years. The loan transferred to the seller and at the time of registration of contract of sale is recorded encumbrance on the purchased property. Thus, the owner until the loan can not implement in pledge property. A distinctive feature of the commercial mortgage is that purchased the premises must be registered as a non-residential fund.

Leasing For some companies with large amounts of equity, it makes sense to take advantage of leasing. In this case, leasing company on their own to acquire the required property of the borrower and passes it to the finance leases, and reserves the right to property. At the end of the lease agreement, the property becomes the property of lessee. The advantages of leasing include a fairly simple design and a minimum list of required financial documents (usually just the balance sheet and profit and loss statement).

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Decline of Mortgage Rates

Mortgage rates began to decline. However, mass mortgage still will not. On mortgage interest influenced the recent decline in refinancing, but bankers believe that the state should not blame them for inaccessibility mortgages, and to fight inflation and rising real estate prices. According to the latest Rosstroy, in 2006 the volume of mortgage loans twice the forecast and amounted to more than 220 billion rubles. "The plan is the amount of mortgage loans was was 108 billion rubles, "- said the head of Rosstroy Sergei Kruglik.

"Times" interviewed a number of banks and tried to figure out whether a mortgage has become more accessible to citizens. It turned out that different banks have different lure customers, but is a clear trend – the average rate decreased by 1%. More information is housed here: Nobel Laureate in Economics. The reason is not only that banks want to increase their customer base. "Times" has already written about how the recent decline in the Bank of Russia refinancing rate from 11% to 10,5% influenced by lower rates on deposits. And now came to mortgages. However, despite the increase in the number of granted mortgage loans and lower interest rates, the number of needy citizens in their own home does not go on decline. Mortgages still available in only a small percentage of the population. This is primarily associated with a high percentage of the loan. During a recent press conference, Putin said that the problems related to the mortgage "with inflation and cautious banks. On the question of why the mortgage loan at a rate of 11% can be taken only under the finished apartment, but not at the zero cycle of construction, Putin replied that it reflects the realities of today's Russian economy.

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