Increasingly, homes that are surviving with the pension and aid dependence that adults perceive. Currently two of every ten elderly people have left the residence where they lived, since they could not cope with the payments of this. In such a situation, the most undependable solution is go to be cared for by a family member you provide your pension, you survive large amount of homes in difficult circumstances. According to recent studies, in recent months there has been 10% more of unoccupied squares, and is expected to continue increasing this trend, so it will be lost many jobs, since approximately every two users of residences, a job is lost by what continue this situation the consequences would be quite negative. Makers of the residences most agree on the same reason, because many families are taking their families, unable to afford the price of these residences, although the majority of they say that they are happy with the service but to not be able to keep it, family members are forced to return to their homes. Faced with this new situation, a new question arises: is there any solution to alleviate these circumstances? As well, thanks to products like the reverse mortgage and annuities, older persons may obtain a monthly income with which to pay the residence, without that family members are forced to take them out of the residences, due to lack of economic resources. Through these solutions elders may continue enjoying your home while they charge monthly income, which will last until the moment in which the death of the older person occurs. The sole objective of these solutions, is that older people, come to a dignified retirement, enjoying both your home and those experiences and experiences that brings active ageing, keeping the welfare of the elderly.
This means that buyers and sellers of real estate market are typically behave rationally and fairly informed about the market, buyers and sellers are in competition in their own interests to maximize the benefits of buyers and sellers operate without collusion or fraud (if you have business or family ties – it is not market value); buyers and sellers operate without unlawful pressure, that is, real estate is sold for a typical period of time, the market value calculation does not include any special conditions or circumstances (for example, concessional financing, encumbrance contracts for the sale or lease of concessions made by someone else). In the practice of valuation to determine the market value of real estate used by different types of costs: initial cost; replacement cost; the actual cost, residual value, assessed value, special value, liquidation value, of the utilization cost, investment cost, the cost of rent open market value in use, the cost under the existing use. Initial cost – the cost of buildings and structures at the time of their commissioning. Used as a base an assessment to determine replacement, real, permanent, and the estimated value of buildings and structures. Replacement cost – the cost of new buildings at current prices in force at the valuation date. Used for determining the real, permanent, evaluation, market value of buildings and structures. The actual value – is replacement cost taking into account the cost value of physical depreciation.
Used for determine the property tax on buildings and facilities, the estimated value of buildings and structures, the market value. The residual value of the magnitude and economic sense is the actual value. Main prerequisite for the use of residual value is that it is used to assess buildings and structures are not sold on the market and therefore have no market demand. Estimated cost – it is really (Residual) value of the coefficients of the market factor. Used to calculate the value of buildings and structures according to their location. Special price – it's market value, taking into account additional elements or conditions that affect the cost because of the physical, functional or economic relations and financial reasons. Additional conditions affecting a particular owner or user, property buyer, not the market in general. Special value is calculated at a particular time.
Used in determining the market value for a particular object with the additional conditions it acquisition. The residual value – the value that can realistically be obtained from the sale of property within the time too short for proper marketing, in accordance with the definition of market value. Used as a market value during the limited life of the property. Scrappage costs – the cost of ownership without the cost of land, regarded as the cost of collection component materials, building components and structures without further repair and preparation for sale. Used to calculate the market value of the destroyed facilities, cost recovery are higher the cost of demolition or reconstruction of the destroyed uneconomical structure. Investment value – property value for a particular investor, has its own investment requirements for capital expenditures. Used to calculate the market value of investment projects.
Within everything that it implies the relationship between creditor and debtor of a mortgage loan and therefore the presence of a mortgage as collateral before default, the foreclosure process with which you can pursue that different types of results such as the Constitution, enlargement, division, registry and the extinction of a mortgage give may be, but can also be generated the invalidity, cancellation, payment or the priority of the mortgage that is guaranteed by a mortgage on immovable. The foreclosure will be then a trial that must be processed via special, there that the foreclosure is named a special trial within the applications of civil law, since the legislator in regulating this issue stipulate a process very different from the rest of judgments that can be; It must be said also that the foreclosure is an enforceable judgment. Facing foreclosure from a perspective more directed to the reality of the society by dealing with mortgages, mortgage loans and development thereof, is one of the trials that presents greater practical application within society, because as it is known a great number of people are within the relationship involved in the mortgage. In case that the foreclosure has as object the payment or the priority of a mortgage loan, must follow certain rules, among which one of the essential requirements is put on a writing credit on the basis of which the foreclosure is made to publish or at least is stipulated in a private document, in both cases according to legal provisions involving such documents; Similarly such mortgage loan that will be discussed at the foreclosure must be registered in the register public property on which rests the guarantee of the mortgage. Following the rules of a trial that has as its objective the payment or the priority of mortgage credit, the term should be already fulfilled or that might be required in the terms which have been agreed the Parties to the contract that represents the realization of the mortgage loan or also gives way to the attention of the legal terms that can be applied to the case. One point that is worth mentioning within the foreclosure, is that this will be the absence of registration in registration of property, in events such as: having the character of being the founding document of such an action, a title Executive; That good on which rests the mortgage as a guarantee of the effective payment is registered on behalf of the respondent in foreclosure; In cases in which there is an embargo or other encumbrance that this in favour of a third with a time of enrollment of at least 90 days prior before the filing of the foreclosure.
In order to begin it must, to determine the price of the property that is going away to acquire. Later, the layer, the sector of the city and the class of building (new or used, apartment, house, etc.) So soon determine these aspects will have to begin the search of the building. The following advice are going to him to be of much aid: Before nothing dirjase to the Web. From the computer he can review real estate that they are for sale and also will have the advantage of being able to see images, some details and to communicate with are offering that it. The searches them will be able to make in agreement with the zone and characteristics that you prefer. That consultation, that is absolutely, gratuitous, is going to allow to him to make comparisons without no complication of prices and in addition it would avoid telephone calls and visits to him to buildings that do not fulfill their expectations. The second option is the classified warnings. If you want to see more options in the classified warnings of the press, is going to find hundreds of supplies, mainly the week ends.
A disadvantage is that data that are published usually are not sufficient, therefore it is necessary to make numerous calls to be able to find a house that it classifies within its parameters. The real estate service bureaus are an excellent source of buildings, in these, besides finding buildings on sale (mainly used) can advise, it in the process purchase the house. Most recommendable it is to look for a real estate one that it has his soothes in the sector where you wish to buy, since this guaranteed to him in certain form that their advisers know the zone and they will offer very good alternatives to him, so that you select the best thing in agreement with his parameters.
Indeed, as we have indicated previously, the creditor is assisted to claim the fulfilment of the payment obligation of different means of protection and defense, even coercive in its legitimate interest, as, for example, urge the implementation of debt, exercise the right of retention, etc also points out the aforesaid article that answers the debtor. A prima facie standard seems to indicate that the subject immediately responsible for the fulfilment of the obligation is the debtor – owner or guarantor-. And, indeed, it is so. The debtor, owner or guarantor, is the subject front to which the creditor will demand the fulfillment of the payment. However, this statement requires some clarification.
If you carefully read the Act we realize that also indicates that the debtor responds with all of its assets, present and future. That being the responsible subject the debtor, that is, responds debt with all their assets. Or, put another way, the responsible subject will always be the debtor, owner or guarantor and the object of liability will always be of the same heritage. By Therefore, on the basis of the above reasoning and leaving sitting the principle that the responsible subject is the debtor, the doctrine and the courts usually qualify this patrimonial universal responsibility such as personal responsibility, against real liability (in which the responsibility over specific property, regardless of personal ownership, for example, with the real rights of warranty – mortgages-. Therefore, usually, affirm that the patrimonial universal responsibility is, in addition to staff, heritage. To conclude this brief reflection on the article 1911del CC, we should point out one final aspect of the patrimonial universal responsibility. Its universal character. This note of universality acts in a dual position: to) Firstly, serves to clarify that it is all the assets of the debtor, including that of the guarantor, which potentially affect the responsibilities incurred by the owner can be found.
Normal mechanics is that, when there is a delay in the payment of mortgages, banks reported this situation to the credit bureaus, effectively affecting the credit of the debtor. Shall therefore the importance of Act in time and achieve a moratorium on the part of creditors, early enough to fall in arrears, because in this case, having been made a new arrangement of debt, the credit report you show paid as agreed. This is very important to take this into account. Advising you to do the right thing for those who do not have the ability to address a negotiating personally with your creditors, they may consult as refinance debts with housing counseling as Consolidated Credit Counseling Services companies who can advise you how to get out of debt free of charge through their counselors certified by the Federal Department of housing and urban development (HUD)(, by its acronym in English). If you prefer you can call 1-800-560-6213 for free or learn more about this Agency’s Credit counseling
The apartment was in the center, but right behind the station, and the combination lock on the door and there is not expected. You may rent an apartment in Moscow with the repair or with bare walls, it is worth to choose, Guided by the price and terms of the lease. Wanting to rent an apartment in Moscow, some landlords can keep back anything. If you offer a flat on the ground or top floor, look at whether all the windows are installed lattice. Be attentive to the ceiling, stains on them prompt does not leak and the roof is not too often drowned flat top neighbors. Find out if held in an apartment online – if not, is there a way to connect. Good apartments are within a few days, so if you went too flat, should be ready soon to conclude an agreement and to facilitate their own pockets. It is advisable to carry an amount equal to about three months' rent.
The first month you pay for staying ahead, leave a deposit – a payment for the last month, and realtor services pay (50-100% of the month's rent). It remains to conclude a contract and you can easily take root. The conclusion contract must be prepared, here just do not rush. You do not need to treat it as a formality, because the written contract is able to correctly save you from many troubles. What if the owner categorically refuses to enter into a contract? Our advice: Find another apartment in Moscow offers the benefit is more than enough.
In the blood of us, Russian, laid thrust to travel! Horror as you want to learn new things! And if this is a new addition to a lot of fun? One family from Moscow last year bought an apartment in Spain. Apartment in Spain Elite Denia, on the first line of the windows opened a compelling panorama of the Mediterranean Sea! Twenty-meter terrace, two bedrooms, living room and kitchen! Built-in cabinets and inexpensive furniture! Dream, and more! Crisis trim Luxury Real Estate! Our countrymen bought a the flat (in Spain – apartments) for 200tysyach euro! But most importantly, get a mortgage for 20 years at 6%. All jealous! And they now have an annual Schengen multivisa, and drive to his home to enjoy the beauty of the earth and soak in the warm sea! Picture is quite clear: interest in the Spanish property of our fellow citizens in 2011 will only grow. The Spanish Government has taken several productive measures to promote the sales of real estate, and is confident that these measures will in no case will not lead to a new inflating the housing bubble! And this is generally correct! We must seek to buy an apartment in Spain! And if you do not work, then do not be like the fox Krylov, complaining that green grapes! Let's be glad for the lucky ones and try to go to visit them on the invitations. In the summer of 2011 suggest carefully examine located near Benidorm (from Valencia 140 km, 65 km from Alicante) amusement parks: Terra Mitica (Terra Mitica) and Terra Natura (Terra Natura).