Home Mortgages

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 …

Mortgage Broker

Mortgage broker works directly with the credit manager. It often happens that they are personally familiar with, so the process of gathering information prior to some extent automated and simplified. Secondly, the customer saves time. He did not need, again, to call, go to the banks to spend precious time, time off from work, etc. Mortgage broker an agreement with the bank as a client to be comfortable. Thirdly, from the first two points imply that the customer saves money. As you know, nerves, and time = money. Fourth, suppose, because the client is cooperating with the mortgage broker, the bank gave a discount of 0,5% in the benchmark interest rate.

With a loan of 3 million rubles. For example, a 20-year perspective, this discount can save a client from 200 to 300 rubles (more calculated separately). Ie we again decided that the customer saves money. What mortgage brokers are mortgage brokers are different. They are conventionally divided into 3 types. 1) Firms, Legal persons engaged exclusively loans.

Any loans, including mortgages. 2) Real estate companies, which in itself has a staff of experts on the mortgage or real estate brokers – members of these companies – initially combine both real estate services and mortgage brokerage services. 3) Mortgage brokers specializing in complex cases. For example, when a potential borrower can not document to verify your income. Each type of brokers in their own good. However, in my opinion, it is best to work with a mortgage bond broker realtor. And if that one person combines these two services, then this option is preferable for the client: after credit approval, by the same person now as a realtor as soon as possible to help find an apartment and check it out properly so that the client-borrower subsequently lost his apartment. Summary of the Friends to take mortgage loan to their advantage, the best solution would be to appeal to a professional mortgage broker, realtor. He will have a full range of services both of a mortgage loan and the selection and design of the apartments you in the property. He will also check the history of the apartment, to save you from the various contingencies that may lead to deprivation of property rights, etc.

Projects Of Cottages In The Ukraine

Olympic-park one of the best cottage communities class "comfort" in Ukraine. The village is located in the Makarov district of Kiev region, that is the road from the city center to the town will take about thirty minutes. The choice represented by twenty eight projects of cottages, where you may make changes to the client at the design stage. Special conditions of the mortgage loan. projects of cottages Ukraine will satisfy even the most discerning taste! Olimmpik Park One of the best cottage communities class "comfort" in Ukraine. The village is located in Zhytomyr direction, that is the road from the city center to the town will take about thirty minutes.

On the choice of the buyer is represented by 28 projects cottages in which to make changes according to the customer at the design stage. Special conditions of the mortgage loan. Olimmpik Park one of the best cottage communities class "comfort" in Ukraine. The village is located in Makarov district of Kiev region, that is the road from the city center to the town will take about thirty minutes. A choice of eight projects submitted to the twenty cottages, in which the possibility of changes in the client's request at the design stage. Special conditions of home purchase loans. Olimmpik Park one of the best cottage communities class "comfort" in Ukraine.

The village is located in Zhytomyr direction, that is the road from the city center to Town will take no longer than 30 minutes. The choice represented by 28 projects of cottages, where you may make changes to the client at the design stage. Special conditions of home purchase loans. Olympic-park one of the best cottage settlements of class "comfort" in Ukraine. The village is located in sec. Berezivka, 19 km from the KP in Zhitomir highway, then there is a road from the subway to the town of Zhytomyr take no more than 30 minutes. On the buyer's choice submitted to the twenty-eight projects cottages in which to make changes according to the customer at the design stage. Special conditions of home purchase loans.

Mortgage Securities

All models of mortgage lending in the Russian Federation of Russian mortgage lending where it is used two or three dozen different models. In various regions of Russia used the same strategy mortgages, as well as there are differences in approach to resolving many problems with housing. All of these factors leads to the formation psevdoipotechnyh programs. The American model of mortgage One of the most common and classical schemes mortgage is an American mortgages, which consists of 2 levels. The basis of this "American" model is the separation of the source of funds from creditor banks. In Russia such, this model has meaning of the federal scale.

For the successful future of the U.S. mortgage system to the adoption of the law "On Mortgage Securities." As well as the development of the American type of lending slows lack start-up capital in the regions, most of which are oriented not at the expense of "privateers", and the capital budget. German model Mortgages In the American model in Russia as quite successfully developed German model of the mortgage. It is based on a system of savings and loan funds. For all depositors opened an escrow account in which he for the lifetime of every month brings a fixed amount under Savka lower, than the market. Accumulated amount is half the cost of the purchased apartment. This period is called the "accumulation period", in his completion of the lender receives the remaining money to buy apartments under the percentage that well below the market.

Monthly Payments Calculation

Size Revenue should be confirmed by documents. This is an important feature of the mortgage, consumer credit is now possible to obtain, without providing information about the borrower's income – the maximum possible amount of the loan depends on family income, looks forward to receiving the loan, the calculation of the maximum possible amount is based on the condition that the monthly payments on a loan repayment and interest payments do not exceed 35% of the total family income of the borrower. If the borrower makes more than half of its own funds in payment of the price, monthly mortgage payments can reach 40% of the total income of family members of the borrower – the borrower for your account should insure their lives, disability and acquired property. Taken together, this will increase payments by 1% per annum of the balance of outstanding loans – the borrower should take care to design the right title to the acquired housing. In order to competently and without any tangible financial loss on the purchase housing mortgage credit is the 'Shining Path' to the new home for at least 7 stages.

Step One: sober assessment of their capabilities. Understand, I want to live like human beings, in a new apartment, but before obtaining a mortgage should be clearly identified: – the real value of the apartment that meets personal needs and wishes – accumulated up to this point means that can be used as a down payment. Most mortgage programs require that as a down payment was 'uplocheno' not less than 30% appraised value of the apartment.


What are the options of obtaining loan funds are available today, "small" and "average" companies: – Loans for current operations – investment loans – commercial mortgage – special forms of credit (leasing, factoring, letters of credit). Investment credits taken for new projects, with the aim of substantially capacity expansion or development of a new direction of the company. Current yield of the enterprise is not significant, but the investment project owner must invest at least 30% equity. Investment loans provided by banks for up to 10 years and that is particularly attractive to them may be granted a deferral of principal repayment. Loans to the current activities are taken to replenish the working capital or purchase of movable property (machinery and equipment).

Loans for current operations are provided in the traditional way: a line of credit or overdraft on current account. The maximum term of such loans is limited to three years. Entrepreneurs seeking to banks for such loans, it should be noted that the monthly loan payment should be be no more than half of the company's net profit. As security for the current loans may make a pledge and guarantee of third parties (both physical and legal). The pledge can be submitted: – movable and Real estate companies – goods in circulation and securities. In addition, as collateral may be a property of other businesses and individuals. The main problem of collateral at the moment is that it assessment of the bank. For most banks the coefficient estimates range from 0,4 to 0,8.

Designing And Building The Garden Near Her House .

Area around a country house in the planned improvement turns into a man-made landscape. In an effort to correct nature, man changes the landscape, constructing buildings, reclaim the plant. Landscape design involves the construction of gazebos, barbecues, bridges, fountains, benches, sculptures, swing. All these man-made structures are small forms of architecture. They complement the scenery and emphasize landscaping.

Gates and fences are designed to isolate the area from the outside world, and create a first impression about the tastes of the owner. Fountains and waterfalls fill the air cool in the heat of summer, garden lights illuminate the track during an evening stroll. Stairs and bridges are a natural extension of the garden paths, and screens and arches with climbing plants help create a comfortable sitting area. Barbecues in the open air – a familiar feature of suburban life. But today, modern design garden fireplaces, barbecues, campfires and barbecues have replaced simple homemade device made of metal barrels. Fit perfectly into the landscape of those structures, which are made of natural stone. Wild, almost raw stone suitable for forest thicket of ownership, and boulders originally looked close to a natural pond.

Greening Territory modern estates required to ensure permanent decorative flower garden from early spring until the first morning frosts. Flower garden attached to the original form. Therefore, in the gardens you can see the car, turned into a beautiful flowerbed. For design of flower beds using economic and pans – wagon wheel, cracked barrel, clay pots, buckets, baskets, watering cans, troughs, and even old shoes. For "village" gardens are characterized by sculptures. Lamb and calf will look good on a meadow, chickens and a pig let lording it in the garden, geese and ducks – near the pond, and a cat is better to attach to the front porch. On the site look nice pottery items – jugs, amphorae and vases. In large vessels are placed palms, dracaena, oleanders, geraniums and flowering fuchsia, orange and lemon trees. In a smaller pot grow fragrant plants – lavender, mint, thyme. In Stands form of lions' paws give containers with flowers lightness. For lovers of chess and checkers can be arranged on a sunny, sheltered from the wind site, a special area, lined with dark and light tiles. Nearby you can install benches for spectators. Sami figurines bought master-cabinetmaker. The owner of a country house is not always able to choose the right garden furniture, which should be in harmony with the landscape. For example, massive bench and table a better place in the park, under a canopy of large-sized. A light, elegant furniture is much more natural look next to the delicate and tender shrubs, flower beds. A cozy patio is desirable to fence and protect from the wind "screen" of climbing plants. Behind a resting person must be reliable defense – a house wall, fence, tree trunk, dense hedge.

Professional Installation Of Heating

When planning for home care must be taken over. While reducing the cost estimates need to know that then because of your savings, you can greatly suffer. Importance in the design of buildings should be paid to the flue pipe. Smoke pipe is directly connected with heating facilities. The main role of the chimneys is the output of the combustion products. The important role played by the inner surface of the chimney, due to the fact that through the tube emitted smoke and soot. Ejection gases is complicated because of sticking to the walls of smoke and soot.

Therefore, you should make the inside of the chimney as smooth, without cracks and potholes that soot does not linger on the inner surfaces. Insufficient circulation also depends on the condensation. Brick lining of boiler is very important when designing buildings. Another major function of chimneys is to create a good draft in the furnace. Traction depends on the thickness and height vertical flue. To create a thrust outlet air temperature should not exceed a hundred degrees. To achieve such results the thickness of the walls of the pipe chimney should be half brick and more. The height of not less than 5 meters.

Pipe chimney is projected onto the stage of development of the project structure. One must consider not only the desires of the client, but the overall architecture of the building. There are elements of buildings which are not realistic to move, so it must be considered in order to avoid changes in the location of the chimney. When designing the flue must be remembered that is not recommended for chimneys in the rooms where quiet is needed. Still in the design buildings should pay attention to heating. First of all we should pay attention to the plan of the building, room size and the size of overlaps. At the next stages planned location of pipes, and other aspects. Errors in Design of heating systems are shown not once. Lack of heat, power decrease, crashes – all this will manifest itself in the worst possible moment – during the heating season. That is why the services of installation of heating Chelyabinsk better to order from the professionals. To complete the planning of the building to think about installing water supply. Necessary not only to choose the right master, but also wonder how will be installation of plumbing. For example of popular error, you can remember, which is often threaded mistakenly inserted into the wall and as a result of leakage is detected when you have to open the floor to fix the problems. Each compound pipes, walling in the overlap is bound to be nonperforming. That's why when searching for Building Services Chelyabinsk select professional artists, this will save you from many future problems.

Nevyansk Tower

Nevyansk tower built in the years 1721-1725 on the orders of Akinfiev Demidova, son of industrialist Tula Nikita Demidov. Interesting architecture of the tower – it consists of so-called "chetverik and three octagonal tiers facing each other. At the bottom – 9.5 to 9.5 square meters, the height of the tower is 57.5 meters. The thickness of the walls of the tower varies depending on the stage – in the bottom tier – 2 meters instead of the top – only 32 cm at the top of the dome is installed wind vane, which emblem of the kind Demidova, and the kind of lightning rod. Historians found that Nevyansk tower is not falling, and the slope, ie deviation from the vertical axis at 1.86 meters to the southwest remains unchanged. Appointment Nevyanskiy inclined tower is one of the contentious issues for historians and ethnographers: whether this is a common defensive structure, whether a guard tower, or tower is built for economic purposes.

Most probably represents a version of which was built Demidoffs Nevyanskiy tower as a symbol of his power – in the 18 century, they possessed unlimited power in the Urals, are owners of many factories. The tower located Laboratory, the archive, treasury office, jail, a local destination, "hearing room, the town clock and the patrol area. Nevyansk tower known far beyond the Urals – its history is shrouded in a set legends, and in the tower, there are many unique engineering and inventions. First, the unusual design – Nevyansk tower is sloping, with having the shape of a curved sword. Secondly, auditory room "in a word spoken in a whisper in one corner, would be clearly audible in the opposite direction, and it is completely unheard of in the center of the room or next to the speaker (whether it is a mistake and miscalculation of the builders, or a brilliant idea architect). Thirdly, the English clock, mounted on a tower, repaired all three times (as, for example, chimes installed on the Kremlin's Spassky Tower has repaired on a regular basis). Fourth, according to legend, it is in Nevyanskiy tower Demidoffs melted gold and silver, producing coins for the sample and the silver content had better state.

Mini-office With Great Potential .

A new product from the German company Koenig + Neurath – it is a universal response to demands for flexible, cost-effective and efficient use of space in the office. Mobile stand-alone solution that provides all the organizational and technical infrastructure of an ergonomic workstation. Mobile Office is easy to install and folds. It is made of steel, aluminum and wood. Modest dimensions – 190x146x74 cm – includes everything you need for an ordinary job.

Mobility and only complete technical equipment can accommodate a compact workstation anywhere in the office space and easily move it depending on the necessary. The project offers a wide range of different configurations to meet any requirement of work situations. At the same time, professionals working, offers a high level of secrecy that extremely important in today’s offices open. Dignity lie in the fact that it is a workstation, being fully equipped and ergonomically designed, can be set up and ready to use in very short time. By changing the height and angle of the tops and other parts and components can be optimally configured for the specific user, achieving, for example, the desired visual distance between the user and monitor. Dual lighting system flexibly adjusted to the required brightness levels for industrial conditions and the immediate work area.

Documents and materials can be accessed at any time, or may locked in a personal safe, to prevent access by unauthorized persons. Small bulletin boards to help accommodate the operational information: notes, photographs, drawings, etc. The design is special mechanism that allows the door hung a left and right. And to use natural daylight, provides the ability to align with the level of the window. All this means that can be acceptable a variety of options for the location of the office. After working in the office ended, can be securely locked and stored in a special space-saving “parking”, for example, or placed in reserve storage. The assembled as occupies minimal space when stored. Savings when buying compared to the cost of acquisition of individual elements necessary for setting up a traditional workstation with the same level of functionality that is very significant. Not surprisingly, therefore, that innovative solutions received many international awards, including the premium