Social Insurance Fund

The birth of a child – it's always a holiday. Learn more at: John Savignano. Of course, as befits every holiday, it passes quickly and gives way to endless series of everyday life. Young parents need to address many issues related to the provision of child favorable conditions for growth and development. At first, they have the support of the Social Insurance Fund. This state, therefore, supports the parents' newborn babies. After all, if you will not be born children, the nation doomed to extinction. Payments are most often young mothers. But the law can get, and other family members: fathers, grandmothers, grandfathers.

The amount of assistance can initially provide the child with everything they need. Further, all content of the kid falls on the shoulders of parents. But we are now talking only about material needs. For some reason, many parents believe that their case – to give the child clothes, shoes, food, shelter and a minimum of entertainment. A to educate children must state, kindergarten, school, college.

It turns out that most teachers of our children are the street and television. This is fundamentally wrong and irresponsible! Immunize your child social and universal values is only possible in the family. And only in the family can teach a child to independence. It is not so important to leave to his successor an apartment, how to teach him to earn enough so he could buy himself accommodation. It should not only seek to give a child everything you need, but also teach his own to support themselves. Most parents overlook this important aspect of education. But you can teach a child to adulthood live wisely and in that time for him to form a capital that he can manage and dispose of at their discretion. Make it helps children's cumulative insurance. If your coming of age child will have at its disposal a large enough amount, you can use to pay for tuition or to make another major investment in the future.

Little Big Income From Property

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.

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 …

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.