Who have recently acquired or sold real estate, and especially those who took a mortgage, certainly in the selection faced with the question: “How many years in her own apartment?” It would seem – what’s the difference? A difference there. The fact is that if the property belongs to the owner less than 3 years, then the owner will have to pay income tax after the sale. True, not the whole amount, but only the amount exceeding 1 million rubles. For example: You have received inheritance in the past year and now have decided to sell this apartment. Let’s say you sold it for 2.5 million rubles. Since this apartment belongs to you less than 3 years, with amounts exceeding 1 million rubles, and in this case, 1.5 million rubles will need to be pay 13% income tax, amounting to 195,000 rubles. Agree that such amount any seller does not want to pay. But what? There are two ways: 1.
raise the price to the buyer on the amount of tax 2. evade taxes, specified in the contract purchase price within the exempt amount, ie 1 000 000rubley. If you buy a house for their own money, to understate the value of the contract by and large problems do not amount to, but if you have a mortgage, you should check with the bank will go whether he is an understatement. A number of banks in this procedure is quite loyal. “But what about security for taking a loan?” – You ask.
The fact that the loan agreement, the bank indicates that credit is given to purchase houses at a price equal to one million rubles, and also to carry out repairs and other works are inseparable in this room. Thus, the loan document is divided into 2 parts. One goes to the sales contract, and the second like how to repair. Shopping Tips: if you purchase a home with the understatement of the real value, make sure you take the seller two receipts. The first to receive the money in the amount specified in contract of sale – it sold for an apartment, and the second receipt to receive money for repairs and other permanent improvements in the apartment. Documented, it looks so that you are buying an apartment and more the seller give money to it in the apartment made repairs to the amount received. This is to ensure that you have on hand were proof of receipt by the seller of all real money. Because if a deal invalidated or terminated, the seller must return the money, and if the sale is worth a million, and more is no mention of the receipt of other money is not, then he will return just one million, and the rest will have to sue, and without much chance of success.
Member of the cooperative unit is vested in him, which had two components: the estate of a share (percentage of movable and immovable property of the cooperative, expressed as a specific sum of money) Land of the unit on which issue certificates of ownership of the land share. The latter, in common parlance is called a unit. So here goes: money to buy land and property of the unit from its employees for good money directors was sorry, but in most cases they were not at all, but really wanted to get the property, and that's born on the protective mechanism in which to buy – or to bypass the chairman, in strict accordance with the law has become impossible. Many of them have quietly bought back shares from the peasants for pennies somewhere in general for a cart of manure, and today have become very wealthy. Someone under the sweet songs of agriculture manipulated meeting of shareholders and its results, slowly selling off the most tasty morsels of cooperative lands. In gratitude for their deeds, the Communists from year to year received solid support in rural areas: there are still voting, so "How to tell the chairman." Then already under the influence of a powerful regional lobby that the laws "On the transfer of land from one category to another, who gave it to the authorities de facto control over this market and provide inexhaustible source of financial resources, and some of that money even goes to the cost needs.
Now bought an apartment for a young family is one of the most important events. In this article we will help you buy a residential property, not committing stupid mistakes and not lose money. First, we strongly recommend that you decide whether you will be working with a realtor or will seek shelter himself. If you have free time, you will discover a suitable offer for you in the press for real estate and specialized sites, place proposals on the rooms. For registration of the relevant treaties, we would advise you to take help of Realtors.
According to statistics, a lot of clearance operations rooms directly – lead to the cancellation of the transaction through the courts. Now the real estate agency for the work request order of 2-5% to the initial price of the room. Despite the significance of this amount, the representative of the agency will save you from losing money when buying a home. Agency staff Real estate will collect all data and documents in the apartment and will help to estimate the necessary payments when you need to take to acquire the room line in the recommended bank. The level of assistance depends on the real estate agent services assigned to you, and is denoted as a percentage or as a flat fee. In the agreement concluded between the client and agency real estate contract should provide for a situation where a real estate agent could not fulfill their obligations – to show you have ordered floor space and organize the purchase and sale. We advise you in a separate paragraph of the written agreement separately identify how much money will pass to the agent. Also encourage you to write the desired requirements for the room is very clear – the desired view from the window, the number of floors, number of apartments. If a realtor by the deadline does not give you the room, the realtor must pay a penalty.
On the indices of the active activity of the Old World, of course, influenced by the financial assistance provided by European governments. Mortgage lending to date is on the verge of resolution and a full extinction. Therefore, for the real estate market has come a very difficult time. One of the first who felt the “wave” of the crisis – this is Ireland and the uk. Every day in these countries the real estate prices, and hence sales volumes are significantly reduced. Came even before that began to fall the price of the most elite real estate, which is essentially unchanged for many years.
Many good-wealthy Britons today can not afford not to the fact that housing in London, but also the cheapest apartments in Albania or Bulgaria. Once the British were considered the first investors in real estate, but that has now become – they save on all that is possible, whether purchases or services barber. In France, for the period from 1995 to 2008, the cost of the project (average) increased by 215%. And this is the first reason for which is expected to decline in housing prices. The credit crisis also hurt France is not much.
Many claimed that Spain awaiting the same fate as the United States. Different experts have argued that the country is expected imminent great crisis of the local real estate market in parallel general economic decline in the country. Nevertheless, as the assured authority, everything is much better than might have been. Demand for property in Spain has remained stable, and in some cities, prices are rising on the contrary, matching inflation. So the demand for rental at various resorts of the country did not fall. Investors are well take the opportunity when you can buy cheaper, but take several times more expensive. Thus, investment in real estate Spain remain relevant issue. In Italy the situation is ambiguous. In some its regions, prices are falling, in some people – grow. For example, in Calabria and Sicily, according to experts, it is possible that prices could soon – much to grow. Calabria – a booming market, which had not yet been estimated by dignity.
The main part of the house was a Russian stove, preparing food in it, basking in it and dried clothing. Also in the Russian oven cooked Hawk animals. Russian stove taking up most of home served as storage of heat, not letting the temperature vary greatly within the premises. Russian stove is installed directly on the floor, under which were placed wooden poles. In order that would relieve the beam, bottom of the furnace was made of brevna. pipe was not straight up, as part of the pipe after the attic relied on the girder.
Modern technology differ somewhat, for a place in Russian stove is installed gas boiler and heating homes is water batteries. It is also now distributed various other manufacturing technology of the walls. After the invention of various non-natural materials, a large number of synthetic insulations. One such bad material is impermeable to heat the foam. The most simple technology for manufacturing such a house – it is House from the panels. The panel – two sheets of particle board and between the foam sheet.
This home certainly will not breathe a frame house, but it will be pretty good to keep warm. Also on the environmental characteristics, he is much worse than the wooden house. With time of the foam become prominent and various harmful artificial substances that will enter the home. In any case, their influence will be detrimental. Log wooden house opposite a very good breathing and does not emit harmful to living materials. There are also other similar technologies panel houses, which sandwiched between two layers of wood are placed various heat-saving materials. Such materials may be – concrete block, opilkobeton, Mineral wool, glass, etc. A particular type of construction technology storey houses are glyaninye home. These homes also are environmentally friendly and energy-saving "for the construction of adobe homes first construct a wooden frame of logs. Then, over the roof frame is made and this roof is covered with roofing material. Thereafter prepared a liquid solution of clay and straw kneaded with him and placed in a cage. By frame moves movable formwork. Walls of the house and pressed gradually turns a monolithic wall. After this you should dosushit walls and you can do oshtukaturku. You can sheathe the exterior wall siding, can be plastered. Inside, you can also make a plaster or plasterboard wall covering. This house gets energy-efficient, since the thermal conductivity of the walls as thick as 60 cm is obtained eight times lower than the thermal conductivity of the same wall made of silica brick. Compared with a wooden log house a home is also superior to its energy efficiency. But perhaps it is less dolgovechen.Interesna technology also framed houses, but the filling does not straw, and geokarom. Geokar a new insulation material fabricated by compaction of peat-straw mixture. In addition he has a very low thermal conductivity, it also does not rot. That ended our mini review different technologies storey building of rural homes. Principle the choice to you and think of what kind of house you live too. One tip, if you want to live long and be healthy by various cancers, look at construction of as many natural materials. Let it be sand, wood, peat, straw and less use of various materials obtained by chemical and petroleum refining.
A man hoping to make the exchange, expects the budget deal like this: "I have a good apartment, which costs so much (is the maximum score), and I imagine going to buy just such (a man leafing through a newspaper ad, and naturally, it attracted the most minimal price)>>. In full confidence that everything is calculated correctly, the person spends time and money to realize their project. But when it comes time to choose an apartment, it turns out that the options originally held on the budget, well, absolutely not suited for a decent life or even worse, they are a mile away is professional act (ask notice, well, if all this lies on the surface, not hidden behind a sincere eyes scam). Here then it appears that an acceptable option, not missing a few (at best), hundreds of thousands of rubles. Of course, a quick financial aid may come by relatives, friends or acquaintances. You can also take advantage of consumer loans. Or in extreme cases, return the advance payment to the buyer of the apartment, to cry on unstable real estate market.
But all these troubles can be avoided even at the stage of evaluation metabolism. In an exchange of flats, you perform two roles simultaneously – as the seller and the buyer. The difference is evident not only in writing words, but also in financial obligations. When you register the transaction as a buyer be willing to bear the costs. Minimum limit of 15-20 thousand rubles (rent deposit box, making the contract, the registration transaction) the maximum depends only on your ability to stay out of trouble – 30-60 thousand rubles (professional service to check the apartment, transaction support). Consider these costs for budgeting exchange. To summarize.
Really appreciate the value of his apartment. Accurately determine the category and cost of an apartment to share. Keep track of fluctuations in the real estate market throughout the process. Prepare the necessary funds for Fee (if necessary). Keep in reserve funds for expenditure on the transaction. And finally, give the most valuable advice – pre-consult with professionals. For this they do not take money.
Summer time is real estate – sunny days now use Luneburg, 24.05.2011 – if now make your first warm day again lust on the garden or balcony, also the pleasure to look now for a house or a new apartment increases with many real estate buyers. So, Karsten Assmann-Funk, owner of A-F real estate in Luneburg, again finds a noticeably increasing supply in the local real estate market since mid-February. Thus goes hand in hand, that the number of prospective buyers still continues to best conditions so, to sell a real estate right now as the owner. So the local paper for the Luneburg Heath quoted on the 06.5.2011 from a study that already demand exceed supply for affordable housing, it will significantly increase up to the year 2025. And the new press (Hanover) also referred to the 11.4.2011 on a survey of the Association of the housing and real estate industry, which in Lower Saxony, Germany, in particular Luneburg count among the winners. So while in the wet and cold autumn and winter months hardly someone on a moving feels like and prepare many people already on the cozy Christmas days, are now the ideal time to real estate purchase the warm spring and summer months.
About the 36-year old Luneburg broker recommends potential real estate sellers now soon to take the implementation in attack, to take advantage of favour of warm days because that can affect positive price and marketing period. A bonus tip: just in the summer months a well-tended plot of land constitutes much and can be the decisive criterion for a prospective buyer to decide just for your property. It is worthwhile, for the upcoming real estate sales to keep the lawn green and to plant a few fresh flowers, because just the little things often have a large effect. Who wants more information on the topic of real estate sale and purchase, 04131 / 999 30 85 available is the A-F real estate like phone. Author of this press release A F real estate your Realtor for Luneburg and surroundings owner Karsten Assmann radio Bahnhofstrasse 7 21337 Luneburg Tel. 04131 / 999 30 85 about A-F A-F real estate homes is a young real estate agent for Luneburg and surroundings, founded in 2010 by Karsten Assmann-Funk. As an independent and owner-managed companies A-F real estate can act especially individually for their customers. As A F real estate to any Bank, building society or sales organization is bound, can she be controlled and fair advice and so for their customers achieve the optimal result regardless, whether the customers sell a real estate, buy, rent or rent to.
Most of the United States is still reeling from the ups and downs, mostly downs, of the real estate market of the past few years. Yet, in Los Angeles there is a growing optimism that the real estate market will be picking up and will continue to go up as the summer approaches and more people thing about relocating.
One indicator of good things to come in the Los Angeles real estate realm is a definite drop in the number of homes which are worth less than the balance of their mortgages. At the end of March there were about 10.9 million such homes, compared to December of 2010 when there were 11.1 million homes “underwater.”
The decline in the number of homes underwater was not caused by home prices rising, which they haven’t, but instead by more underwater homes being bought out of foreclosure, thus taking those underwater homes off the market. According to economist Sam Khater of CoreLogic in Santa Ana, “We are treading water.”