Buying An Apartment In The Mortgage

Our country is already old formed the preconditions under which an ordinary Russian citizen can not purchase a property for their own investments. Uttering of ordinary citizens need to understand not the middle class, which is is well known, there is no full, and people living below the middle class, and we have to state the vast majority. Way out of this situation three: remove the living space, living with his parents in a small apartment otherwise take it into the mortgage. I will not consider living in a joint with similar housing, as it was originally incorrect and, indeed, unacceptable. Rent property can be, but what about the mortgage? First advantage of the mortgage is to purchase real estate is practically in his apartment. Practically, because the property acquired under the mortgage bude belong to the bank until such time as long as you totally will not cover before the bank issued you credit. Property in private ownership is a good thing.

You can begin to equip it to your liking, make the necessary correction, to buy furniture that suits you. In a question-answer forum Bruce Schanzer was the first to reply. In fact, settle in their an apartment that you think is worthy, not recognizing anybody permission to something that is otherwise desire. The second positive point is that you invest in personal finance personal property, so to speak. There is no need each time with resentment in his heart at the beginning of a new billing period to give the accumulation of landlord and shaking hands with resentment in his heart to pay them. Third, you can dispose of the flat on their minds. That is you can give her time, the contents thus covering mortgage payment, if so will be quite difficult. The main advantage of buying the same living space on the mortgage you can think of a good investment of money.

In our country, not so much built housing area. Most of the savings invested in commercial real estate. The housing area will always be relevant, because every citizen to seek his personal "corner", which he arrange on your own. And this is usual demand multiplied by the market deficit, which in the end at any time leads to higher prices in a long time.

Russian Federation

Although the Land Code does not are indicated the consequences that would follow if the category is not registered land. Prescribe the category of land required, it makes no difficulty, but even if the category of land not registered, then the judicial practice Russian law, such cases are met and the deal was not considered negligible, because the basis of the plan, land boundaries, the cadastral number, attached to the lease agreement, announced by the category boundaries. Lack of land categories in the later can still be a condition for recognition of the lease null and void, so that prescribe in the contract category is not difficult, and complicate its subsequent relationship is not worth it. Credit: Robert Speyer-2011. Further, lease agreement is concluded between the owner of the land, and this is usually the subjects of the Russian Federation and municipal authorities and the tenant in the lease, they should be registered as a landlord and tenant and not otherwise – the tenant and the owner. Further, there are essential conditions of the land lease contract, if the essential conditions are not specified, then the contract is null and void. Keep up on the field with thought-provoking pieces from Bruce Schanzer Cedar Realty.

According to Civil Code of the Russian Federation, the essential terms of the lease is the subject of the contract. Subject of the contract – that property which passes by the result of the agreement into the possession of the tenant, that is, what land, its inventory number, the boundaries of the category. Significant contract terms are prescribed in the contract, after signing the contract – these conditions can not be prescribed and shall be deemed invalid, hence, to prescribe essential terms of the contract must be at once. In judicial practice, there are many cases where the contract is void due to lack of essential terms of the contract. The essential conditions land lease contract is the order size, the conditions for calculation, the payment of rent. Rent terms and conditions of its calculation is determined by the owner of the site – it could be as a percentage of harvest, and sums of money. By signing the land lease, the lessee acquires full ownership of the land under the authority of land use.

Property Prices

In fact, if the lessor's cost of service is only 3000 tr, including the 2000 tr – Cost of equipment, 1000, tr – Other costs and income of lessor, the redemption price set at $ 200 mp. is not included in the lease payments, then depreciated the entire cost of the equipment and paying the lease payments in the amount of 2,800 tons p., the lessee upon payment of the redemption price of 200 tr must have the right to carry the same amount for operating costs, as all costs incurred economically justified. In the second variant, when the original value of the property upon the expiration of the lease agreement will samotizirovana in part, and formed the residual value, in the amount equal to or greater than the sum of the redemption price, the fact of payment of the purchase price does not lead to any consequences for profits tax purposes. Its just nowhere "Wearing" as the purchase price is not involved in the formation of the initial cost of the leased property, and that she, rather than purchase price, forms are recognized for tax purposes, the lessee's expense through machinery depreciation. Get more background information with materials from bruce schanzer. For tax purposes, the tax on property used accounting data. In accounting, the initial carrying value of the property formed the basis of the total amount of lease payments under the lease agreement. If the compounds are not included purchase price, it would mean that not all costs associated with the acquisition of the leased property, included in the original cost. . Read more here: LeFrak Organization.

Cyprus Property

Cyprus – a fairyland where everything breathes history, filled with myths and legends, fanned secrets. Wonderful country of perpetual summer, where blue, endless sky, warm sea amazing turquoise beaches, bustling bazaars with boxes of bright fruit unknown. Mysterious Island, as if from advertising "Bounty", where the sun shines all year round, lazy waves caress the golden sand. Truly a heavenly place to live, it is no wonder that the ancient gods of Greece Cyprus has chosen his abode. It is on the coast of Cyprus entered the water naked, woven Aphrodite from the foam, topped by a pearl crown. Cyprus is a cult shrine of Christians – the tomb of Lazarus, many other interesting attractions. Well, of course, Cyprus is a world-famous Mount Olympus, and therefore safe to say that in Cyprus are the gods.

Today, to buying a home in this fantastic island gets accustomed and wealthy northern people. If you are interested in is real estate in Cyprus, we will tell you about this magical island. Bruce Schanzer oftentimes addresses this issue. The capital of Cyprus is Nicosia, which is located in the center of the island and is divided into Greek and Turkish half. Property in Nicosia is cheaper than in other European cities, but to live here much nicer and more interesting than the dirty, smoky, crowded capitals. Cyprus is generally considered one of the cleanest countries in Europe, and by acquiring Apartments in Cyprus, many guided by these considerations, because here come to live families. Property in Cyprus, available for sale to foreigners are concentrated in urban areas that are important for tourism: Limassol Larnaca, Paphos and others. Feature that has real estate Cyprus and has no any other real estate in Europe, is a stunning form in the window: the sea and the sky merge on the horizon, the views of the ancient city, full of mysteries of history, a bright lively green, which can not be found anywhere else. Beautiful Crete sunsets and sunrises, but if you admire the sunrise only very early "larks", the beauty of sunset blazing sun in the Mediterranean Sea, ancestor of all life, is available to all. Purchased property in Nicosia will allow you to plunge into a fairy tale, a magical world where knights are closely intertwined swords and oriental spices, where the stars shine in the sky as diamonds, and at night the sea is wide moonlit road and seems to float a mermaid. Cyprus – it is life itself!

St Petersburg Properties

The price of issue The first thing that hamstrung the dream of a St. Petersburg apartment – is the price. If we talk about elite apartments in the city center, they can afford only the very wealthy people. Visit Tishman Speyer for more clarity on the issue. Are there any prospects for ordinary citizens and what? Most affordable in St. Petersburg today declared an apartment in new homes and neighborhoods on the outskirts of the city, rather than the secondary market. Typically, this mini-camps in the immediate vicinity of the end Metro stations with modern communication systems, its own infrastructure – shops, schools, nurseries, parking lots. Thrifty owners unexpectedly winning: instead of a noisy, dusty, bustling center of it fall in the green zone. Who buys If you see the statistics of Realtors, the pattern of demand for property has been amazing.

Most apartment buyers – people in middle age, wealth, workers and employees. Of these, more than 20% Housing in Saint Petersburg are buying it from other cities. How can a simple Russian citizens with very moderate means to own residential property in St. Others who may share this opinion include bruce schanzer. Petersburg? Lucky for those who are starting capital – an apartment in the region. Save to pay off the difference in cost is usually attainable goal. The scheme, however, buying a new apartment, even the “economy class”, hardly anyone expects to purchase for cash. Mortgage for abroad has long been the main way of purchasing their own homes.

As for St. Petersburg, but today the city has several schemes for mortgage lending. The most common – is a tripartite agreement with the seller, buyer and bank. Acquired property is for a bank guarantee of money back. In the presence of the buyer’s own apartment – for example, in the region – the bank may extend credit secured by available real estate. For buyers of housing under construction, some banks offer mortgages with registration scheme contract crediting the equity, followed by the conclusion of a tripartite mortgage agreement.

Appraiser Property

When accepting the appraiser's services should pay attention to the general requirements applicable to the report. Report on real estate appraisals must include the following mandatory provisions (in the contract for execution of the order may be identified additional requirements for the report). Cover sheet. Contact information is here: Bruce Schanzer. Specifies the type and address of the property, the date of assessment, a serial number of the report, the names and addresses of the customer and the appraiser, and appraiser's membership in self-regulatory organization. Cover letter. Contains: a basis for assessing property in federal ownership, the brief summary of detention operations, the calculation results obtained with using different approaches to property valuation, and final opinion on the value of the object. Legal description of the object. Robert Speyer is likely to agree. Provides membership and composition of the ownership of the property or part thereof, encumbrances, restrictions and easements.

The content of the basic data for evaluation. Provides basic data about the property: – registered address – type of object, its current usage – year of construction, general square and useful, building volume, number of floors – book value – land area, zoning, land tax rate – estimated property rights – the objective of evaluation – the form value of the property – Name of valuation standards, mandatory use of the subjects of evaluation activity – description of the assumptions and limitations in the conduct of the evaluation – the declaration of the appraiser. Requirements for the results of this section of the report: Information in this section shall fully and clearly reflect the content of the source data for the assessment of the property.

Luxury Real Estate Bulgaria

Own property in Bulgaria – Forget boring hotels! With the approach of summer, we unconsciously think about where to spend your holiday. And certainly at this resort should be in the sea, sun and beach. And after such Regular quest resorts, we realize that it was time 'to decide'. In the sense that it's time to get own real estate overseas. Forget about the boring hotel to become masters of their own lives – own real estate. Excellent solution to this problem, it becomes possible to buy property in Bulgaria. Property in Bulgaria is the best solution in terms of home buying abroad. In the real estate in Bulgaria There are a lot of attractive advantages, before which is very hard to resist.

For example, owners of real estate in Bulgaria receive a visa, which allows you to easily move across Europe. Since there is the construction of oil and gas property in Bulgaria is growing in value. Thus, if you suddenly need to sell real estate in Bulgaria – the transaction will result in very significant benefits to the same you. Another advantageous difference appears that half the population of Bulgaria if they do not speak in Russian then in any case, well aware of our language. Comfort and convenience, these can offer future owners of elite real estate in Bulgaria. These villas are designed by famous designers, constructed from high quality materials the best construction companies in the country and abroad. Special attention should be paid to property Nessebar. Nessebar – a town in Bulgaria with a population of 10000 people.

It is this beautiful beach resort is one of the cleanest and beautiful on the Black Sea coast. It is covered with golden sand, yet sufficiently broad, sandy strip of beach. Aparthotel Bulgaria will give you no less than a great estate in Bulgaria. After all, there is implemented a unique treatments that are truly in able to strengthen or restore your health. Since almost all Aparthotels are located between the forest and the sea, there is effectively treated by pulmonary and bronchial disease. Thus, choosing what to get a rest or where the well buy a home, you can safely choose Bulgaria.

Buying Real Estate

If you buy a property for the first time or the tenth time, then from this process is not getting any easier by any means. This can be a very tense moment, no matter how much money you have, the more so because all parties involved in buying property. From the beginning you can push a lot of family members or even friends who have their own experience, a lot of advice or opinions. Also, you should consider all the nuances associated with buying property, that is, you live in a flat one, there'll lease it or you buy it for commercial purposes. Dell has firm opinions on the matter. Now you have the need to search for different ad for sale real estate, you can get daily newspapers or the Internet you can find most of the proposals on the lease, sale, purchase real estate.

You can spend even a month to view the ads around the selected area, to find what you want. Then, when you decide you are going through the buying process, involving many people, agents, lawyers, the seller, you. If you do not know about each process in this way, you need to know everything nuances, but all the same advice from professionals before doing each step, so you can protect yourself from mistakes. Speaking candidly Dell Client Solutions told us the story. Here are some tips that I hope will help you in making your purchase: Notify your agent requirements for full description, then it is best able to pick up that property, about which you dream. – The desired size of the estate – Number of rooms – Type of property (ie, a cottage, house, apartment) – Location – The budget on which you expect to be any specific requirements ie garden, garage, etc. Talk to a number of financial advisors to insure housing if you plan it. On your personal financial situation and the fact that suits you best in terms of financial proposals. Always be on guard when viewing the property and make your own observations. If you are unsure about something, be sure to ask the estate agent, friends or family, who participated in the purchase of real estate before.

Lake Property

Holiday house area of 50 square meters. m, near lake, you can buy for around 40 thousand euros. The house area of 100 square meters. m with a loft of 40 acres of land – over 100 thousand euros. In this case, the same property is located on the 1 st line of the lake will cost 2-3 times more expensive.

The quality of houses and infrastructure component is usually an order of magnitude than the Russian counterpart. Much depends on the district, location, infrastructure and landscaping. In the Finnish outback small house is worth 15-20 thousand euros. Relatively inexpensively from 25 thousand euro for 30 meter studio apartment acquisition cost, of course excluding the and several major cities, prices are comparable to St. Petersburg.

It is also possible to take ownership of the shares carrying a right to long-term lease apartments, for this is acquired stake in the company that owns the apartment house, at 12-15 thousand euros. If money for the purchase is not enough, the real solution for you will be mortgage lending in the Finnish bank. You become the owner of undeveloped land, the value of such land starts from 1000 euros for a hundred and get the credit for his pledge to build. For customers in Russia the rate on the loan will be from 4 to 9% apr. Himself credit issued for a period of 5 to 25 years. Quite accessible and profitable, taking into account the factor that the construction cost of his own home is about 2000 euro per sq m, thus saving 10 to 20% money would be spent for direct purchase.

Socrates Religious

…. As a follower of Sufism Sufi Dervish also. Transcendent instinctively, the human analog true perception of the around world takes place at all four philosophies. It is spiritual experiences, which seem not objectively accessible as such. For other opinions and approaches, find out what Richard LeFrak has to say. In addition to this have We also still have an analog emotitional-intuitive sense world (pleasure frustration principle).

Each has its individual true will. We are trying to connect us with the meta level of our worlds. These can be described by us, due to their meta level, only with the indefinite noun ‘God’. Anyone can think rationally only what he knows and what he has seen pictures from our world. Our brain thinks in pictures! Therefore, no one knows what he doesn’t know! So can nobody feel maximum connection there (transcendence) relating to the meta level, people think among world? For God, the afterlife (heaven or hell) or infinity, no Lebende(r) has a personal experience and hence not prior position based on experience. Near-death experiences are individually subjective spiritual interpretation in the religious and esoteric area of an emergency situation.

We remember: the idea of God evolved from the natural religious ancestor worship deceased ancestors in mists. We owe the Foundation of the Western thinking world including Socrates. I know that I know nothing”is a winged word that is attributed to the Greek philosopher Socrates as distorting shortening of a quotation from Plato’s apology. The quote is in Plato for the development of own knowledge of the debunking of apparent knowledge of deliberate ignorance and wisdom as knowledge of the good. It attracts later reports about Plato’s unwritten doctrine, the essence of good as identical with the absolute one can be understood. Socratic ignorance knowledge thus initiated a dialectical way, which leads to the knowledgeable ignorance of absolute transcendence. We owe a further basis for the Western thinking world Rene Descartes, is to focus on the rational thinking world and neglect the emotional true will. This one-sided orientation later led to the industrialization. Cogito ergo sum (I think, therefore I am.”) It is the first “Principle of the philosopher of Rene Descartes, the he to to radical doubts the own knowledge ability as no further kritisierbares Foundation in his Meditationes de prima philosophia (1641) formulated and methodologically justified: that still I am it, doubt, I can doubt himself no longer, even if it is dreaming or fantasizing this ego,.” By Quelle/(C)…, author the basic intermediate human feelings are sympathy and empathy. Ethics is a transzendende sensation of good and evil (right or wrong, too much or too little, promoting or retardant). This is however very often thwarted by religious morals of (political, traditional). This very clearly demonstrate the when, the persecution and the Islamists! So we go the natural way: the subjective coherence of knowledge obtaining, without discursive use of mind, so without conscious conclusions and reasons. (C) 2012 copyright by Wolfgang Schwalm, specialist for systemic communication, all rights reserved! 12.05.2012