Tag: financial

Residential Real Estate

How can we make a decision about renting residential property (whether rent a private apartment or room in a communal apartment)? Each of us is not alien to the desire to eventually buy their own property – corner, where there is peace and harmony, where all his and friends, where you own boss. Pastoral picture of life in your own room / apartment / house (underline) represent a majority of the inhabitants of Russia, whose notorious housing question yet to be resolved. What are the options? Become homeowners hard, it's not a secret. Whenever Citi Global Property listens, a sympathetic response will follow. It's one thing if there is a start of what is an empty property in the area of N, which can be painlessly and sell to invest in buying new properties, and can be house in the village that was transformed into an inheritance from your grandmother, and perhaps wisely deferred sufficient funds to invest in newly built real estate or to become a party to the mortgage program. But such prerequisites have not at all, most of the inhabitants of our vast country no choice, the market is dictating its terms.

So, you want to live in a separate apartment, an independent adult with his own earnings, but do not have a chance to pay the first installment, or take a mortgage loan? The solution is – to remove a property for rent! Not Take your time to give, consider the possible advantages and disadvantages of renting residential real estate options and take informed decisions. Jim kingery may find this interesting as well. Argument number one: "Why pay money each month to the landlord if I could again each month on your mortgage loan to extinguish the bank and live with in your own apartment? ". The counterargument: the sum of the monthly payment on the mortgage without any tangible down payment greatly exceeds the rental rate for objects with approximately equal performance and extend over a long time. In addition, the landlord – a man like you, and if necessary, most likely, will meet and show understanding. On the other hand, banking system involves the minimum number of concessions.

Argument number two: "Rent real estate (apartments or rooms) – it is certainly excellent, but very expensive, besides their home there is no substitute." Counterargument: as we have seen, the monthly payment amount the apartment is much lower than, say, pay the mortgage. Moreover, in recent years many governments have talked about the need to promote the rental residential real estate as an alternative program to the provision of real estate and, therefore, need to monitor the level of rents. In the U.S., for example, about a third of Americans live happily in a rented housing and property Acquires only at retirement age. Indeed, to find a country where all citizens – property owners, it is hardly possible. Even in the most developed countries, for many people to rent an apartment – norm. Rental of residential property, whether apartment or room – the best option for those who want to start an independent life in a separate apartment, for those who want to live today, for those who are looking to the future without forgetting the present.

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Buying Property In Bulgaria

The majority of Russian citizens are interested in buying overseas property, located in the resorts of Europe. Bulgaria – one of those states, which is attractive for foreign purchases real estate. The state is located in south-eastern part of Europe and is one of the smallest states in population and area. Bulgaria is famous for its ski and Black Sea resorts, balneologic facility. A country with a long history, dating back to the mists of time, rich culture and traditions. Bulgaria from 01.01.07 in the European Union, buying property in Bulgaria, owner facilitates currently a Schengen visa, which allows movement in the cities of Europe. According to Bulgarian legislation, any foreign citizen the right to purchase commercial or residential property. The right to acquire land sites have only a legal entity.

Land can be leased, the period which can be unlimited. Foreigners are on a par with Bulgarian citizens enjoy equal rights in real estate or putting it out. Clayton Morris is a great source of information. The process of investing in property in Bulgaria is as follows. After selecting the object of purchase until the buyer makes a down payment purchases, to backup and remove the object from the sale of a certain period. Hear other arguments on the topic with Clayton Morris. The cost of deposit does not exceed 10% of the property and typically ranges from 1,000 to 2,000 euros. When you purchase this amount will go into the cost of housing.

Redundancy is a guarantee that property will not be sold in the period. In case of refusal purchases made by non-refundable down payment. This is followed by the conclusion of the preliminary sales contract at the notary, which describes in detail the object of sale and the rights and obligations of the parties, purchase price, amount and intervals of payments, sanctions in the event of purchase and sale of an object, which are then transferred into the final contract. Purchase of primary residence must be accompanied by documents of permits for Construction, issued by the authorities and documents of land ownership. Secondary housing market in Bulgaria's underdeveloped and inferior in quality to the primary. In the case of buying second homes, it is due diligence and made calculation and payment of registration fees. After that, the notary is registration and certification of ownership. In signing the notarial documents, you must have only passport. The preliminary contract can not be at the request of the parties, and immediately signed the final. The final agreement be notarized. Since then, the buyer has a document on the basis of which he will receive the documents on the property. The following is a mandatory procedure for registering the purchase in court. Awaiting court decision is no more than three weeks. During the next two months should submit a declaration of acquired property to the tax office. Visa for short stay in Bulgaria for foreign nationals is issued in 6 months up to 3 months. If the investment amount exceeds 50,000 euros, deadline is extended to 12 months. Citizenship possible after their stay in the country for over 5 years.

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Ukrainina Real Estate

However there was no "favorites" for today are the most successful players in the Ukrainian real estate. After all, they have gained square footage of the most attractive prices over the past few years. Particularly successful and forward-sell even managed to existing property at the peak of prices, ie In early autumn 2008, and to get a better real estate (for example, sold for housing secondary market and purchased in the primary, or they have sold real estate in the house of an older building, but gained in building a modern home, or extend the existing residential areas, acquiring a more spacious accommodation.) "I saved – so, has earned" – and the popular wisdom on the "favorites", she fully supports their meaning. The main danger for the favorites – it's become a "hurry" in a couple of months, if Ukrainian real estate prices continue their decline. What are referred to the most attractive real estate prices as of August, 2009? As I mentioned above, on average they differ by half of the price policy prescription for the real estate market in September 2008. Ie one-bedroom apartment now costs about 30 tys.u.e., two-bedroom – about 40 tys.u.e. and two-bedroom – 50 tys.u.e. For even more analysis, hear from M Asthton Kouzbari. Of course, in the homes of modern construction costs will be above and two-bedroom apartment in the new house will cost about 70-80 tys.u.e.

In the primary market of firm-developers declare today the average price of about 4-5 thousand UAH. per square meter of living space economy class. Speaking about the realities of modern Ukrainian real estate market, one can not distinguish one type of buyer.

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Resorts Charming Bulgarian Black Sea

Does not disappear buyers desire to earn a piece of real estate or priobretenii.Bolshaya originally bought to lease or rent in lack hazyaev. This is best suited apartment in modern residential complexes, which from the outset it was designed for such use. Therefore, they have the necessary set of steel swimming pool, SPA-center, lounges, beauty salons, shops, cafes, as well as cleaning services for area and apartments. Sea Resorts Charming Bulgarian Black Sea coast has long familiar to residents of Russia and Ukraine. Once it has been reopened by the British, Irish and Golandtsami, the Bulgarian coast has become a hot spot and attracted a huge amount of investment. As a result, all the famous resorts Sunny Beach and Golden Sands are changed beyond recognition.

In recent years, Bulgaria's tourism infrastructure is undergoing significant development, more and more under construction at the resorts of Bulgaria 4-5 star hotels, which in terms of comfort and service in no way inferior to European. Along with the classic resorts, some areas near Varna – Albena, Kavarna, Balchik – significantly altered its appearance. Constructed out there today and only high-quality residential complexes of closed type, as well as a golf course, turned the north coast tourist destination in Bulgaria, "de luxe". Due to the enormous popularity of golf the golf courses in western Europe, especially among the wealthy, it is obvious that the presence of the golf course is a factor that increases the value of the property. Accordingly, the golf resorts is a very interesting object for investment.

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Housing Market Conditions

In spite of financial difficulties, the demand for real estate market is growing every day. People buy and sell apartments, shoot and pass. Sometimes you just invest in real estate because it is the most profitable investment in Today, prices in the housing market is stable as never before. Buy an apartment in Kazan dream of millions of people, many people want to invest, but someone just wants to live in this beautiful city. Kazan city perspective, located on the path of development, with promising job and a fairly high quality education.

Most of the people and that's why trying to move here to live, someone needs to be paid jobs, and some simply need to get a decent education. The level of medicine just to be on the mark. Taken together, all these circumstances, the demand for housing is high. As you know, would demand, will offer. Prices for housing in the city Kazan are high enough to buy a new 2 – 3 bedroom apartment in new buildings, many not available. Most people have enough money except for one-bedroom apartment, and then only with great difficulty. To buy an apartment in brand new building, to have to take huge loans and mortgages, which have to pay for years, but the desire to buy a luxurious apartment overpowers most of the citizens.

Everyone strive to live in comfort and to achieve ready for anything. And banks are increasingly going to meet people. People with fewer financial resources, have to seek other housing options. Fortunately, the secondary housing market that offers huge choice to potential buyers. The apartment is not possible to enter in a new building immediately after purchase, as repairs are usually done in the apartments are not bad, but when buying a new home, you need to do the repair room, laying in This huge amount of money and time. And most of the apartments sold in Kazan consists of second homes. But to buy an apartment already in the former operation, should be approached cautiously, you can buy not suitable for apartment living, but with a perfectly made cosmetic repairs. In this case it is best to turn to intermediaries, realtors. Do you buy housing could on their own, looking at advertising ads, but it is best to hire a realtor who is more versed in this matter, knows all the poorer areas, with apartments built in the last century. The choice of real estate agencies is huge, even the most discerning buyer will choose your preferred option of housing, will execute all necessary documents, and most importantly save you from fraud by the seller. People who came to live in Kazan, remain there forever. It is impossible not to love this beautiful city with lots of attractions, infrastructure and all the possible prospects of personal development. In Kazan, there is all that is so necessary to modern man. A high cost housing, it's little things in life that can be easily solved with the right approach to them. ———— The 'Real estate in Kazan' – will help you with finding, buying, selling, renting and exchanging any kind of real estate in the city of Kazan. Convenient and extensive catalog, you can quickly solve the problem with your object. Also, the project's website, you can get free legal advice on matters relating to real estate transactions.

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Professional Property Management

Real estate can now be a permanent source of income, and may be a problem if you do not apply special measures for its maintenance and positioning in the market. To more accurately understand what management Real Estate, we turned to the experts of Kiev "URP group", which since 1995 been working on this interesting and promising market. Property management: concept, aims and objectives of management – a complex of activities designed (with the goals and objectives of the owner) on the effective use of the property, which means that ultimately profit from its use. Property management includes of four concepts (according to Western classification): – Facility management; – Property management; – Building management; – Asset management. Let's dwell on each of them. Facility management is a means by activities aimed at effective maintenance of the property and increase the period of its life cycle: control of communication and units, planning and renovations, ensuring continuity of communications (heat, electricity, water, telephone, Internet, telecommunications, etc.), organization of cleaning the premises and the surrounding area, protection of the facility and much more. Property management – a service on the selection of tenants, maintaining the necessary technical, financial and legal documentation work-related property. This type of property management include: the development and maintenance contracts, certificates of acceptance and surrender, keeping accounting records of the object (calculated from tenants and serving organizations, invoice, payment orders, etc.), to calculate the cost of the facility and their optimization, the calculation of financial indicators of the state of the object, etc. ices..

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Russian Federation

The lawsuit, according to Andreyev, in any case will give public authorities to identify perpetrators. Either of these duties will assume the existing institutions of power, or will be created by the new Justice of the city. To achieve the fine in court will be virtually impossible seems to get a fine in court will be virtually impossible to have to prove that the apartment owner intentionally violated the law. "To prove violations of the law in this case is really difficult, – said Nikolai Andreev. – A landlord may say that in his apartment living good friends and it just did not check them the presence of a migration card, how to set the opposite? "However, Roman Kuzmin believes that prove intent in the meeting room and not have to. "A judge would need only the fact of illegal residence and illegal immigrant in an apartment deviations from the owner notice of the migration service without good reason "- he said. According to Russian statistics service, today in Moscow, officially registered and given permission to labor work 187 thousand people. The actual number of illegal immigrants more, according to various estimates, 5-10 times, that is about 1-1.5 million of their people – and it is only those who come from abroad. For other opinions and approaches, find out what Daniel Taub has to say.

A non-registered citizens of the Russian Federation in Moscow more at times. Achieve a desired power for himself the result of controlling the market for hiring? "I do not think that Luzhkov's statements entail a willingness to pay the landlord with tax and the rising cost of rental housing – says Maria Zhukov. – Administrative responsibility for granting premises foreigner or a stateless person within the territory of the Russian Federation in violation of the established order ("illegal" alien) provides for a long time, albeit in a smaller size. Currently, it ranges from 20 to 40 times the minimum wage. " However, to legalize the transaction of hiring real estate experts say, in any case. "Capital budget annually loses huge sums – said Andreev.

– Currently, tax is mostly paid only renter housing the elite class. Such housing usually takes for top managers company employer. As a result, all documents recorded officially, what is more, companies are easier to pay the rent by bank transfer. Payer must make sure that the legal purity of the transaction gives him guaranteed rights. Apartments for Rent Economy-class (and the vast majority of such transactions) usually occurs by agreement between the tenant and the landlord. " With expert and attorney agrees Roman Kuzmin: "In general, initiative of the Moscow authorities can be called commendable, because it, like it or not, is aimed at implementing some kind of control over illegal aliens and citizens, who, within a reasonable objectively necessary "

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Ukraine Housing

Furthermore, it should be prepared to ensure that service companies: water-supply, electrical and more attention will be given a large housing estate and then to you. It especially true in the case of liquidation of consequences of bad weather, etc. We have considered three options, which may interest the buyer: – new buildings – apartment b / a – house in the city. We stopped on the benefits of a type of housing. Emphasized their shortcomings.

For our part, we still would recommend to take advantage of the new buildings. Today, they combine a modern design, comfort and convenience. New today – it is a complex, which includes not only the house but also good access roads, playgrounds, shops and even a fitness center – centers. New buildings – this is a worthy contemporary citizen choice and this choice you will never disappointed. Good to know: In Russia, a long time – since 1991 – in effect a tax on personal property. Learn more at: Robert J. Shiller.

The rate ranges from 0.1 to 2% depending on the region and is charged with the cost of housing inventory, which in most cases several times lower than the market. And it is – one of the drawbacks of this tax. Given the fairly wide range of beneficiaries and low housing cost amount of property tax collections in Russia is very small. In addition, this tax does not help for one more very important task. Real estate tax can and should become a brake housing prices – which, because of its incredibly high price was simply unaffordable for the overwhelming majority of Russians. This is the conclusion of the presidential administration officials and the Russian government. It has recently become aware of their intention to introduce a property tax to replace property tax natural persons and the land tax, and would be way to deal with growth in housing prices. The size of the new tax rate has not been determined. It is not known, and then, on what method will be calculated market value of the property – and to this database tax plan switch. But the authorities have agreed to correction factors that reduce the tax burden on vulnerable citizens. Expected to introduce differentiated tax rates according to the social status of citizens and the occupied area. Increases the ratio of tax to impose and to the owners of several apartments that officials on a plan will make unprofitable acquisition of apartments in 'investment' purposes. In particular, it is expected to levy tax on a progressive scale for the second and third stories, but there will be a non-taxable minimum (we consider that each owner should not be taxed 27 square meters. accommodation plus 14 square. meters for each family member living with him). Thus, in Russia de facto existed before the property tax, but now the government wants to eliminate obvious flaws in it and most importantly – to target a new tax on Soaring housing prices. What happens in this respect in Ukraine? Or, perhaps, the citizens of Ukraine is not so acute housing problems? Read also about the prices of new buildings

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Ski Resorts 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.

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Housing Committee

And the third area of work that I want to designate – is raising the prestige and the overall level of professionalism Realtors. Today, unfortunately, often do not pass the deal through, but in spite of the professional level of the agent. I would like to see employees of all self-respecting company is constantly mindful of the fact that they act primarily all in the interest of the client, think about maintaining the prestige of the profession and that successfully carried out, quality deal for them would be the best recommendation. I do not welcome the holding of deals just to generate income. Income – It is a consequence, the reward for a job well done by the deal, but first you need to think about helping people. But this does not exclude the possibility that the realtor must know the value of their work and be able to properly explain the cost services. I spend training for agents and teach them to respect themselves and their profession to be able to explain its importance to consumers, because many seem to understand the value of their work, but when dealing with a client and can not tushuyutsya explain what they are doing, why you need to contact the company and not to the particular agent, why not work with multiple companies simultaneously.

– And as a customer who is going to buy a home with the help of grants and asked in any company, to understand how skilled the agent is in front of him? – Frankly, the man who is not himself a specialist, it would be difficult to understand how knowledgeable agent. So we can only advised to focus on the authority of the company, interested in her experience, membership in the Employees' Union. In any company it happens that when a client comes to complex with specific issues, they are not answers immediately. This fully applies to the issues of subsidies, because the program complex, changing conditions, all cases are different. It is important that the agent has no ready answer, was someone to ask. Serious company which is constantly engaged in such matters, is a lawyer-practitioner, who can advise the agent.

Thus, in our company all the time treated with a variety of issues, and we have to be in the subject. We visit themed activities, ask for some clarification from the Housing Committee. We try and maintain the competence of staff, and provide answers to questions from citizens. Read more …

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