The Bank

The Bank is not only important how much is the borrower’s income at the time of taking the loan, but also how this income will be stable in the future. For example, how significant is the borrower’s age? How does this affect the decision of the bank? A marital status? Age is usually interested in terms of proximity to retirement. Ie at the time of return loan borrower must be no more than the Bank of the age limit. Usually it is 60 years. Although there are exceptions, such as business owners. Marital status is interested more in the plane of the presence or the possible appearance of children. Read, dependents. Read additional details here: Ben Silbermann.

Ie young couples without children can give credit to a little less than a lonely man with no children, but with the same income as the aggregate in pairs. Can still pay attention to the assessing solvency young childless women. But this is not the rule, and depends largely on the bank. A borrower who can hardly hope for a mortgage loan even with a high salary? Why? See example in secretary or the borrower’s current income shoferom.Esli far above the industry average for his position, it can cut the amount of credit, or refuse altogether. The same situation when income falls into the framework, but no qualification enough for the job. It sometimes happens that does not have higher education, but intelligent specialist within the firm grows well, but it can reduce the amount of credit out of fear that another firm will not be able to claim current position. Can I somehow split into groups of potential borrowers? Do you have some kind of classification? Yes, there is a classification. Use the main factor – type of income verification. Ie employee with a white income; employee with income, as confirmed by a certificate from the management, employee with an income, confirmed verbally by management; employee whose income is not verified in any way, a business owner with a fully official income, the business owner with minimal official incomes and ‘hard cases’ Complicated cases – is, for example, the artist is not selling paintings and receives income from the sponsor or a girl without a formal work qualifications and ‘income’ from the ‘patron’. Although there rate of 15% in foreign currency already.

Real Estate In Economic Crisis

VK: What are the legal issues you think are faced building company during the economic crisis? YK: At this time, significantly increased risks for developers, especially for those who build apartment buildings. The risks mainly developers associated with early termination of contracts with investment on the initiative of investors. Therefore, developers are suffering, how to invest the amount of funds received, and in the amount of the penalty – a contract or by law. This risk stems from the fact that predicted a significant fall in house prices, resulting in a refund of real estate investors is more profitable because of its overvalued. K Unfortunately, in most contracts for the construction was not provided for changing conditions in connection with the crisis: in the main agreements were concluded with a position of strength builders. VK: What do you think the main legal risks to developers in terms of the present crisis? EK: First of all, the risks may be associated with the violation of land legislation. Currently some companies to reduce costs are beginning to construction, without a required permit.

In the future it may be that the land allocated for the construction company, was granted the administration in violation of applicable legislation. Construction companies can come up with another situation. Signing the contract of land lease, the developer prepares a site for construction and if necessary, demolish dilapidated buildings. In this case the developer may find the material claims of third parties as to the adoption of the Federal Law registration of real estate held at the BTI and the Land sites – the land committee.

Elite Real Estate

Obvious advantages of large housing estates to the point buildings this – high security within the facility, the homogeneity of the social environment and the availability of infrastructure. Details can be found by clicking Wells Fargo Bank or emailing the administrator. Another undeniable plus – an architectural style: modern consumers is important, not only the look of a home, but attractive environment. As noted by one of our experts – yet it is possible to create a local area, since the area is large enough and built up, as a rule, a complex of buildings, respectively it is possible to create an internal area home, where you can place children's playgrounds, recreation areas, this is a serious advantage for buyers who have no children. Perhaps the biggest challenge for investors – to rebuild the minds of potential buyers. Exclusive perceived as something that exists in limited quantities. Elite in recent years considered to be the club house with a small number of residents and small, but separate the adjacent territory.

But now things have changed. If before we called the "Elite Real Estate" just a club house – said the same expert – or malokvartirny house which no more than 50 apartments, to date, we can say that the house can be an elite and a house with a number of apartments 200 and more. An example would be the same project all Fusion Park, which was implemented this year, and demand, which was precisely for this property – it was extremely high, and we can say that people do not bother, they will not live in a condominium 30-50, and the whole residential complex in which the entrance 10 and 236 apartments. Summarizing, we can say that multifamily residential complexes today are struggling hard for the title of a new category of luxury housing. Exclusivity implies a good location, unusual design, the extensive range of services, modern infrastructure and homogeneous environment. Many aspects of the development and management of such projects considering our country real estate seminar.

Real estate will continue to "add star", to become more comfortable, and benefit from it all, despite the apparent displacement of the most inconsistent of those who are able to invest in new housing layer. In fact – ideal for families of people who want get enough protected area, not to worry about walking unattended child. However, for aesthetes who prefer the spirit of old Moscow availability of dry-cleaning, this option probably will not work. Is that as investments.

Residential Real Estate

Investments in real estate remains robust and profitable, despite the financial crisis. They are high-yielding, are characterized by minimal risk and, in many cases, produce a good income without any additional investments. Very attractive in this regard looks real estate Sochi, since it is located in the famous resort of the country and is an excellent liquid asset. Note that the real estate in Sochi always brought good profits to its owners, but before the 2014 Olympics and its investment attractiveness skyrocketed. Today at the Sochi coast 'hot', but this did not blame the sun, and the activity of investors, seeking to get at their disposal the best possible facilities.

Due to the excitement many refuse m ysli to invest in resort villas and apartments and is not associated with the 'bison' market. This solution is completely groundless, as the property of Sochi is an excellent opportunity to earn. Only necessary to determine which objects should you buy? Let's talk more about that. Let's start with the fact that high-yield have both new buildings and housing on the secondary market. Requires large investments elite real estate Sochi. Economy-class apartment, and cottages and land outside the city limits will cost you a lot cheaper. Choosing apartment, take into account the following important factors: the remoteness of the object from the sea, the number of floors in the building and the area of the premises under construction.

Accommodation with a sea view costs about 20% more expensive, so developers often go to the trick: elevate the so-called home of gallery in which all, without exception, the apartment can enjoy the beaches of Sochi. This effect is achieved due to the original plan when the accommodation located on the side of the sea, and the second part of the house is given under the arrangement of technical rooms and corridors. If you decide that the best real estate in Sochi – a beach house, we agree with you, because these objects very attractive to tourists and generate revenue during the holiday season. But there is one important point: choose a home on the outskirts of the city, as in the Polyana, or the historic center acquire land for construction impractical due to the scarcity of available land and its cost. Real Estate in Sochi Lazarevskom direction are most liquidity. Prices for houses in these areas vary wide range, so surely something for yourself. Small cottage with a small plot of land also will cost you about $ 2, 5 million rubles. For the money, you can easily find the decent housing close to from the sea. Standard land area is from 4 to 7 hectare. If you desire to admire the coast and the beautiful scenery outweighs the desire to save money, cook at least 5 million. It is in this the amount of the purchase cost houses with sea views. Comfortable cottages are equipped with everything necessary for living, are even more expensive. Such objects are located in close proximity to shoreline, will require investments worth at least 20 million rubles. As for the level of profitability, there are all individually. We note only that the resort property are always in demand throughout the season, so finding Tenants will not make any problems.

Investing In Property In Bulgaria

Bulgaria – a country located on the Black Sea and we have known, perhaps, to everyone. Many spent summer vacations here during his school years and now, get their children tend to take them to the warm sea, immerse their children in a friendly atmosphere sunny country. In this respect Bulgaria is a great opportunity: the coast is large enough, that would select the appropriate region for you and at the same time, the country relatively small, which allows her to stay home and friendly to their guests. After relaxing in the hotels, many are thinking about buying your own property in Bulgaria, while considered important, and the fact successful investments. In this case we can speak of small, private investments and real estate acquisition, as the most common way in the world of private investment, and investment of a larger scale. Private investment – is, in fact, buying one or more properties with a view to their subsequent resale.

From this perspective, Bulgaria could not be more suitable way: initially low costs, stable prices, wide selection. At the same time invest in property in Bulgaria more under construction – as well as in Russia, in that case itself makes the completion of the automatic price increase finished object. In this kind of investment we should not forget about the liquidity and the factors affecting it: the distance to the sea, infrastructure development, and the level of the house in which you plan to buy square footage. So do not forget that among the resort real estate in great demand smaller apartment square footage. Therefore, if there is a financial opportunity rather than to purchase an apartment of 80 square meters. meters, the better buy two apartments at 35 sqm. meters – and easier to sell them, and they rise in price more quickly.

If we talk about investing in Bulgarian real estate in a larger size, then one of the most common methods – acquisition of building plots in prime location with its subsequent resale. Or, conduct a "full" cycle: from the search area of agricultural land and output it to the land plot, followed by construction of a residential apartment complex. The last option in Bulgaria – as he is financially profitable and most time-consuming resources. In both cases, the best investment to Identify your potential customers: who will it be? German, Russian, English? Every nation has its own preferences, not only in regions and cities of Bulgaria, but also on certain residential complexes. Of course, before how to make a decision about investing in Bulgaria, it is best to consult with experts who can offer you more in Russia a few options to choose from, which significantly save you time in the country and will make your trip to Bulgaria friendly not only useful, but enjoyable.

National Park Arthur

Tired from the stresses of city dwellers have every chance to finally live in a tropical paradise in your own country. The New Zealand website Trade Me Property put up a new item: the hotel in a small village in the mountains wiping, located in the center of the South Island of New Zealand near the National Park Arthur's Pass. In this case the buyer for the hotel in the appendage will get some extra money … the whole village. The village in New Zealand on sale for 715 thousands of dollars. It is remarkable that anyone can get along with village pub, hotel, school, railway station and two dozen homes. Apart hotel with 10 rooms, 3 bathrooms and other facilities to purchase offers a snack bar, cafe, post office, railway station, office building, school, and 18 homes that are permanently leased to local residents and visitors. Plus village, founded in 1923, is that it is on the tourist trail and is used by travelers as a transit point.

Founded in 1923, the village is located near the National Park Arthur. Today mopping – the only settlement for many miles around, where tourists traveling through the mountains of New Zealand can find accommodation and meals. The current owners, Bill and Christine village Henn purchased it in 1998, paying a total 80 000 New Zealand dollars (56,000 U.S. dollars). Things are going well spouses, they even managed to raise the value of their property dozens of times, but age does not allow them to continue their business, and they decided put the village and the hotel up for sale. In this case the owners have their own idea of the perfect buyers for their holdings. "We needed someone who would have accepted it. This will provide the new owner plenty of opportunities "- Christine Henn said to journalists.