Can not having a great asset and using the opportunities now available to many, to get quite a decent income in real estate? Here is a case of real estate practice. Customers a realtor seemed attractive situation on the market of affordable housing in Krasnoyarsk in late 2005, early 2006. Prices for apartments in residential areas of the city (Cheryomushki, Energy) hardly grew during the preceding year and a half or two. At the same time in Moscow, the growth in home prices in new buildings only for the fourth quarter of 2005 was about 11%. Enhanced promotion at the state level of mortgage programs and increased competition in the mortgage market Lending between banks directly pointed to the future growth in demand for affordable housing in Krasnoyarsk, and hence the future price increases.
Clients do not have the means to purchase housing, and easy to use, although and quite risky time wanted. After thinking about and sorting through the options, decided to try to get a bank loan. Turned into one of the banks and were able to get a loan to purchase real estate at a fairly acceptable by today's conditions. Total family income client was not very big, about 20 000 per month, so the loan amount was also low – 410 000 rubles for 10 years, with monthly payments of $ 7500 rubles and the rate of 12% per annum. Originally hoped to acquire low-budget accommodation – Dormitory in the Cheryomushki or energy, price per square meter for such housing at that time (early 2006) was about 27000-28000 USD.
Meanwhile, for investors, these securities are attractive not yield, and reliability and liquidity. The yield on the MBS and should not be high, otherwise engaged in the lending market resources will be expensive, and rates mortgage loans will be high. But this tool is very interesting for those who want to invest their savings so as to receive a guaranteed income. Some contend that Philidelphia Condos shows great expertise in this. Particularly interested in mortgage-backed securities to pension funds, insurance companies, mutual funds and other potential investors in Russia have long-term money. But in Russia, these securities have not yet shown all its advantages – the market has not given such an opportunity.
The Russian market of mortgage-backed securities under development – transactions for the production of mortgage-backed bonds was closed only two. MBS market in Russia to work, it became possible to speak only at the end of 2007. Then there were first issued by the JSC 'Mortgage specialized organization GPB-Mortgage. Organizer of the issue of MBS was Gazprombank, which also took over the spetsdepozitariya and paying agent. Later denominated mortgage-backed bonds issued OAO HMLA '. It's all MBS traded in the market. Therefore, Russia still is not even formed a class of investors in such securities. " The main reasons hindering the development of this market is the lack of regulatory framework – in the first place regulations aimed at implementing the Federal Law "On Mortgage Securities." As well as uncertainty regarding the potential demand for this type of paper. At the same time have confidence that the prospects for this market is very high.
Authority; written consent recipient of rent in the sale of real estate rent payer, decorated by a notary or by the registering body, the Trust Deed residential premises (registered in the Unified State Register), if the residential room disposes of the trustee; contract of agency (registered in the Unified State Register), if the attorney manages residential premises; passport object of cultural heritage, security, lease, guard treaty obligation or security – if the property is an object of cultural heritage; conclusion of historical and cultural examination – if the property is identified by an object of cultural heritage; Notification government protection of monuments, when the subject of the agreement are historical and cultural monuments, Mortgage, if immovable property is purchased using a credit of the bank, a credit institution or a trust loan granted to other legal entity and the contract states that the rights of the mortgagee shall be certified by a mortgage, a document called a mortgage As applications, including a loan agreement and the conclusion of an independent appraiser on the market value of the property. Housing certificate – in case of purchase of immovable property from the housing subsidy All documents are provided in two copies – the original and a copy! Ownership of the alienated property must be registered in the Unified State Register! If ownership is not registered in EGRP, in addition to the above documents must submit documents for registration of ownership of the seller (grantor, transferor under a contract of exchange, the recipient of rent) 7. Calculations. John Savignano has much experience in this field. Suppose all documents in the apartment in order and it is time to discuss issues of mutual settlements. Where and how can they make? Unfortunately, in practice most often simply transferred money from hand to hand – not the safest way. Much safer to use the banking unit under the registered name of the purchaser to a contract of sale flats.
After the laying of money you will be notarized (at your option) registration of contracts or immediately surrender the documents for state registration. 8. Legal and physical release, the act of reception and transmission when you finally get registered contracts for the sale of an apartment with a certificate rights registration, you will be legal (the removal of the register) and physical (removal of things) the release of the apartment. 9. After the sale of apartments do not forget to submit a declaration to the Tax Office.
For all advertising fireworks home mortgages room as far from reality as a pre-election promises of Deputies. From the perspective of a normal person room – the same property, and does not differ from the apartment. In banking logic entirely different criteria. As there is a classic? "Mind the banker did not understand a common yardstick to measure is not" What should be a banker except for the portfolio, tie and expensive parties? He needs a quiet, calm. And in order to properly dripped into Potbelly. Invitation to a party banker razdobudete. Portfolio he has, and tie long gave your beloved wife.
Or a mistress. Does not matter – the interest in any event, we paid him. But peace and quiet? Credit for the apartment not banker promises no trouble. To pay him money or not – in the loser Bank will not remain. In the worst case, the apartment will go under the hammer to secure the debt. At best – we will pull the same mortgage yoke, and part, happy with each another. After all, flat as collateral, and the laws are good to defend the peace banker. Another thing the room.
Inherited from the Soviet era, the rooms are entered in the reality of capitalism with a very peculiar regulatory framework. Curve, as well, and all other Russian laws. The room can not be sold just like that. Laws for the rooms can compete for the title of the most divorced from life. Why bank zigzags social housing? Quarrel with the neighbors, and ZhEKi PIBy …