In recent years, Russia has started to actively develop mortgage lending. Tens of thousands of families took advantage of a mortgage loan to acquire or improve their living conditions. However, the mortgage crisis has flared up was hit hard first by the U.S. mortgage market, and then on the Russian. The company "Finmag" reviewed the country's existing legal framework and tried to find out whether the borrower to deal with higher interest rates for mortgage loans. One of the most important consequences of the crisis was the lack of access to obtain "cheap" money lending by Russian banks by foreign, and as a consequence, a sharp rise in cost of credit. Currently, average mortgage rates reached a level of 2002 – 17-18% in rubles and 14-15% in foreign currency. And the best average rates, which until August 2008 were corrected only by hundredths of percent in October jumped by 1.5% in currency and 2% in rubles according to a study 'Fosborn Home'.
Raising rates and demand early repayment of the loan are now the most likely risk to the borrower. Can I somehow to deal with rising interest rates on your loan? "Under the Civil Code (CC), the change can be arranged by agreement between the parties or by other methods stipulated by the contract. Accordingly, if the credit contract will now be possible to unilaterally change its terms, the increase in interest rates unilaterally is not contrary. This position is also supported by the federal law 'On Banks and Banking', which states that the credit institution has the right to unilaterally change the interest rates on loans in the cases stipulated by the contract with the customer "- explains Natalia Volkova, Senior Counsel of the legal support of Retail Russian Development Bank.
Consider the pros and cons of collaboration with major real estate agencies, the pros and cons of alternative – working with the private broker. Let us examine this important question as, "a lawyer and a realtor. Can these skills and knowledge combined in one person, without prejudice to effective and quality solutions to your housing problem, or just easier to rent an apartment in Ryazan. Others who may share this opinion include PCRM. So, we begin with the first one, I think the most interesting and relevant theme for you. Boy Scouts of America is the source for more interesting facts. Can we solve their housing problem is absolutely independently without recourse to the help of a professional? From my point of view, the simple answer to this question is no. It depends on your requirements and from the degree of quality in the decision of housing problems that you do the math for yourself acceptable and sufficient. In solving any housing problems we can identify certain key stages.
These include: search and selection facility; advance payment, checking the selected object (here it is collecting the necessary documents for registration and transaction) date of the transaction, registration of the transaction (if applicable) and transfer facility and completion of the transaction. In Within this chapter, we'll talk about them in general, so to speak in broad strokes. I will try to give their vision of what these things can be solved by you alone with saving money without sacrificing quality, and what steps better deal, at least, attracting one-off or part of a professional who will help you. Search and site selection.
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.