But if you still need clarification, then please be patient and get through to the relevant units of the bank. (A valuable related resource: PCRM). In order to avoid confusion with payments, also recommend to make the amount designated in the contract in a timely manner, without delay with the regular payments and not paying for them ahead. Frequent situation in consumer loans – penalties for early repayment of the loan or repayment of the loan against a fixed schedule of payments. The same thing happened to our hero, but the fine was deducted by the bank with a credit card for through which the bank sought to write-offs still 22% per annum (the interest rate on credit limit credit card). Bank error in turn is a lack of proper training and supervision of employees own front office. Mistake number 4 What we have – do not store, lost – lament loss of the contract – not the most pleasant event, in addition, without the borrower is totally unequipped for the bank. The first step is to discover the loss, must be addressed either in the head office of the bank or a department in which credit was received (the loan officer at the store) and request a copy of the signed documents. Otherwise, you lose the possibility of something to defend and demand, since you have no documentary evidence of your rightness. Thus, if the contract or a copy you will be much easier to communicate with the bank, properly and promptly repay the loan and supervise bank activity in the exposed part of the requirements.
And it was not there! About dates need to be reminded constantly, comments from neighbors about loud music to listen to that already may portend a lot of bonuses after departure, which can be a huge phone bill or broken items of decor. A the most successful "surprise" is when your favorite tenants moved out very suddenly, but to pay, as something completely forgotten. So, perhaps, is to enlist the support of professionals – real estate agency? Apply to real estate agency. Option two. Here, Boy Scouts of America expresses very clear opinions on the subject. Of course, as you know, real estate can be good helpers in the search for a customer to rent housing. Also, help is that the agency itself provides ad where necessary, takes calls, conduct exhibitions and, as a rule, already has some base formed by client requests. Pleasant, and the fact that the agency will have to pay for services you do not, and the renting side. The agency and contract as right to issue helps, that's only for a violation of his agency could not respond.
For what would completely withdraw from their shoulders worries, there is a new service – a contract of personal service. By signing the contract and the agency and the landlord enter into equal relations on the relative shelter, put up for rent. That is, to deprive yourself of all the questions, you can send an apartment in the use of agency and receive annual earnings by removing myself from all at the same time unnecessary headaches. The amount of income set by mutual agreement, and further the agency itself and the universe is looking for tenants, looking after the apartment and Compliance points of the contract (timely payment of communal, the payment of rent, a civil procedure). Frequently Boy Scouts of America has said that publicly. For tenants, this option is also useful, he does not need to pay any fees when renting housing, because rents in the already contains the amount that receives a real estate company in signing a contract for professional services. Everyone architect of his own happiness, and sometimes, perhaps, should cede some of their profits by denying themselves in order the most useless set of experiences and scandals, as well as gain confidence in the fact that after the next settlers your home can still be called flat.
We went to look at. And our eyes was a flat that we faced a wave of joy and happiness. Washing machine, an exceptional newly renovated, plasma TV and other attributes of the business class. The owner introduced himself and explained the situation: "I am police officer rail district (crusts showed captain), immediately seconded to the Caucasus, a contract for 3 mestsa, flying today (shown something like tickets), and this explains the urgency. I am not a beggar, and I live alone, just plain stupid to leave the apartment without cause. Pushcha people for 3 months, and then, if contract will be extended, or even longer. I most importantly, that all remains as is. It's a pity to spoil the repair.
So watch me – I'm police officer – will not find it. " Shoulder travel bag, counted the money, put on his boots, he gave me driver's license and asked to put in a top cabinet drawer, where are his papers, and take care of this cabinet as apple of his eye until his return. Warned that his mother, who lives nearby, will be visiting us from checks. Celebrate the new home, we were not going to. Suddenly the mother will come. Moving on the following day, agreed with the car, and stayed overnight in the apartment, very much not a hunt was to leave it. In the evening a woman came. But think – my mother in check.
A moment's silence and look at each other's eyes. "Who are you?" – Asked the woman. Theatre of the Absurd lasted about an hour. I'm foaming at the mouth proved its case and waved it in front of his nose, driving identity. Police arrived. We were all taken to the police, she called her husband, he brought all the necessary documents. We have collectively written a statement. Natural rights were fake, but the railway police station such employees do not. I "divorced". From the thought became incredibly sad, I mentally imagine how this non-human heart cut out a tablespoon. Hurt the poor students who took the last money left without a penny in the street. Had nowhere to go. It quickly sold for 20 thousand rubles his favorite notebook, which my parents bought on credit for his birthday. I wanted to fall in place, in the deepest pit in the world to me, no one do not touch, do not talk to me. I was angry at the world, like the hedgehog who was caught in the woods, just touch me – I could immediately break for anyone, even just a passer-by trying to shoot a cigarette. But my companion was not the first time support in difficult times, and in some way brought me back on track. I contacted a real estate agency and on the same day I found a perfectly suitable option – a 10 000 is on rise, though the apartment was killed in the state. I pay rent and rely commission. The budget of my company is 40 thousand (not counting the cost difference between a laptop). Ah, the money I would have been enough for 3 months plus services … I've learned an important lesson in life: charity in this town no one does, and the free cheese you know where. If someone saw myself here, my advice to you: "Do not step on my rake. Freebies do not. And if you do decide to, then I feel sorry for you as well as a few lines. " Honest real estate agency in Novosibirsk, the 'New Foundation'
Credit Card – a unique device for the loan as cash, and during the acquisition of goods or services. It is no secret that credit cards are widely available, not only banks but also companies, businesses, restaurants and hotels. There are two types of credit card payment and credit. Credit cards 'Visa' or 'MasterCard' allows you to pay a monthly minimum of their purchases with interest charges. A credit of such such as 'American Express', require to pay for all purchases at the end of the billing period. Do not forget about such functions as obtaining credit cards personal short term loans. Quite clear that the emergence of credit cards could not affect the economy. You no longer need to spend years accumulating funds for the purchase of a product, rather was only to have a credit card, and not to forget from time to time repay the amount of debts on the loan.
Large companies, firms, hotels, restaurants, eateries network also began to use credit cards to promote their products and services. But in addition to credit cards with the usual functions for us, do not forget about the debit card. This type of card is used to write off the account the prices of goods and services directly from the balance sheet of the bank customer. It is the availability of credit lines and is the criterion by which distinguish the credit card and debit card. Or rather bind to the account.
If card is linked to a bank account (checking or savings), it is a debit. If tied to the line of credit (usually without the possibility of creating a positive balance), then the credit card. This terminology long-established and used in the U.S. de facto. In Europe, in Russia or in any other place may have different criteria. There is no doubt that the emergence of credit cards is rapidly facilitated as obtaining a bank loan, and the procedure repayment of debts on the loan. Now there is no question – 'where to get a loan? "And the question-' how to pay it?"
If you decide to sell your apartment, you have come to the right place. Company "Omsk real estate" For many years, specializing in fire sales of apartments and is ready to offer you the best solutions to your housing problem. When you sell an apartment in the usual way, you do not know exactly how long the buyer will be found on your property. Sometimes it can be a few months (so long associated with yet the ongoing financial crisis and low consumer demand). In every person's life may need to fire sales of apartment – getting money in the shortest possible time. In this case, Term of redemption procedure to your apartment following: A specialist company "Omsk property" promptly leaves on your property; Conducted a preliminary assessment of the dwelling (for free); Accepts decision on the possibility of redemption.
The apartment is bought back the company with a small discount to the prevailing market value, and the owner receives the money within a few hours or days, depending on purchase price and availability of documents. This is especially useful when the cash you plan to send the purchase of another property – in fact you are guaranteed to receive the money just certain period of time, and you can organize further deal at the right time you. In addition to the above method of purchase of apartments, let us consider one more. Do you have a desire to improve their living conditions. But for this dream, you are missing a certain amount of money. Sell the apartment at below market price – there is no way to quickly implement an object – need a lot of time and effort, to borrow from friends – did not work, and banks offer loans on unfavorable conditions for you. In this situation, the company "Omsk Real Estate" offers a new service – an alternative to a complete redemption of the apartment when you get the money from the company secured your existing home.
You buy a new apartment, and the old – our experts are sold at market value. Upon the sale of the flat amount passed you by, returns, and the remaining cash from the sale of tools you use on your own. Thus, you can realize your dream as soon as possible with the least cost to you. As one of the leaders of the Omsk real estate market, the company "Omsk Real Estate "guarantees quality, legal purity of transactions, confidentiality and personal approach to each client. Source – (The official site of 'real estate Omsk')
Having identified the main contenders for the development and expansion, one can not ignore one fact: they are all in varying degrees, require special transport and storage conditions raw materials for its activities and the final product. Aha! Touched on the patient logistics and warehouse theme. Not for nothing touched – it is not plowed field for cost optimization. How much do you spend on logistics and warehouse? Analysis of the structure logistics costs the average company in the industrialized countries, has identified about a balance of: transportation – 60%, storage and maintenance of stocks – 34%, administration and management Logistics – 6%. In Russia, says business consultant, Dr.
Sc., Teacher MADI Valery Kurganov, the first figure is much higher, respectively, it is necessary to reduce transportation costs, and significantly. Further warehouse. He, like transportation, is part of the supply chain of your company. In some organizations, especially those who are not engaged in transportation of cargo over long distances, the share of the cost of storage can reach 55% (according to research company "Siberian coast"). On the administrative apparatus and can not speak, every growing company, sooner or later faces the problem of optimizing the management logistics and warehouse operations. On the topic of regulation of labor management solutions in the warehouse has written many books and theses are protected, not to mention other subjects affected us today. Of course, you as the leader your company, you can read the whole thing and draw your own conclusions, but not easier to learn from other successful companies in this business? Recently, the European market (yes already, and Russian) Real Estate Hybrids run the show.