Internet Buildings

The housing problem is the most important in life. So, at some point of his career you are faced with the need to acquire housing. Almost the first question that comes to mind – to concentrate their attention to new buildings in Minsk or in the secondary real estate market? Here, there really is something to think about the final decision is taken, considering all the existing advantages and disadvantages that are inherent new buildings as well as secondary housing. Housing market is now quite large and difficult to make the right choice. In the Internet there are plenty of sites that contain all the new buildings that are designed to facilitate your choice. Keep up on the field with thought-provoking pieces from Wells Fargo. But even using these sites, you can make a mistake. Then I will tell which features to look out for when choosing a new building.

The first step is to evaluate your budget. This will narrow the choice to you spend your time on the flats, you can not afford. The next thing is location. For other opinions and approaches, find out what Tyron Birkmeir has to say. Make sure that next to your new building has all the necessary infrastructure: schools, hospitals, shops, etc. Even if you have a car, make sure that it is possible to quickly move from one place to another.

If you are dependent on public transportation, find out how much it will be convenient to use it to to get to where you want. Pay attention to the environment around the house. Even if you're too busy and do not notice what is happening outside, believe me – it is very important. Focusing on several new buildings, Make a list of questions to how you can learn more about the new apartment. Ask for help in selecting the sites, which include new buildings with details, photos and other data. Remember that fun from moving into a new apartment you will receive only by making the right choice.

Prime Minister Vladimir Putin

Russia agreed to grant Bulgaria a loan of 3.8 billion euros for the construction of NPP Belene on the Danube River. Russian Prime Minister Vladimir Putin proposed creating a joint company that will deal with implementation of the NPP Belene. According to the agreement signed 51 to 100 of the future of the company belongs to the Bulgarian investor – the National Electric Company, and 49 to 100 – German investor RWE. At the moment, RWE is in talks to signing a contract with Russian company Inter Rao UES, a trading power, as well as with the two Swedish and one Finnish company. NEC has signed an agreement on the construction of the Belene nuclear power plant with Russian company Atomstroyexport, which won the tender for executing the project.

The first reactor is likely to be commissioned in 2014. The Wren Collective is likely to agree. Another example of investment in Bulgarian real estate: already it is no secret that Moscow Mayor Yuri Luzhkov invested huge sums in building resorts in Bulgaria. It is a complex of tourist facilities in a picturesque area of Kamchia – International Children’s recreation center and treatment and rehabilitation database for pensioners and war veterans. The global financial crisis has not affected the plans of Luzhkov, the project is well underway. In March of this year, Russian veterans of labor and World War II has rested on the Black Sea in Kamchia coast. The Russian government thinks about and purchase other land and property in Bulgaria.

Real Estate Borrower Market

One of the main reasons for increasing popularity of mortgages is the impossibility of "catch up" in housing prices. One friend a couple of two years trying to solve the housing problem without using credit. However, just a few days before the required amount to accumulate a modest apartment, the housing market has once again changed and the planned acquisition was postponed until better times. Wait for the fall or at least stagnating real estate prices is futile, especially if you have to periodically give a significant portion of the salaries for the lease in effect someone else's apartment somewhere in a quiet area of the city. The same amount may be paid in the form of monthly payments on a mortgage, but it is for her own apartment. Choose a market to start to define what you really need.

You can take the credit for the purchase of real estate primary or secondary housing market, to buy their own house or building. While out of competition apartment, they account for 90% of all mortgage transactions, and lending houses only gaining momentum. Often not just to make a choice between primary and secondary markets. On the one hand, buying property in the new building, you get a new apartment with a 100% guarantee against rotting wood floors, break the rusty pipes and other "Surprises". On the other hand, the introduction of property rights can be extended, in the worst case and did not take place. Banks recognize the increasing risks, and tend to set higher interest rate for the period until the borrower becomes the legal owner of the acquired property.

Leasing Insurance

Today the share of transactions with the insured property is 96% of the total cost of leasing transactions, and insurance coverage is provided for several kinds of risks. It should be noted that the Federal Law “On Leasing” states that “the insurance business (financial) risk is carried out by mutual agreement and lease agreement not necessarily. ” This is evidenced by the fact that the share of the insurance institution and credit risk does not exceed 3% of the total insured transactions. The reason for this are the high rates for these types of insurance risks – from 3 to 11% of the payments, as well as the lack of a license for insurance against financial risks in a number of insurance companies. Such conditions significantly affect the insurance situation in the leasing market. Increase lease payments due to insurance, making leasing schemes less attractive to the lessee.

Therefore, about 20% of companies have an annual loss of 0.1% to 12% of the cost of leasing portfolio. The complex economic and legal nature of the leasing market predetermines the appearance of complex insurance of the leased asset. More and more insurers are willing to offer for leasing companies specialized insurance product that reflects the specific interests of participants and leasing transactions. Some market operators also offer insurance of political, social and administrative risks. Many insurance companies developed special conditions of insurance payments on leasing transactions in the form of “Rules of voluntary insurance against the risk of default on lease payments.” Thus, the specificity of the market is that insurance companies leasing transactions exclusively insuring the leased asset. Insure non-payment or late payment of lease payments the lessee is economically inexpedient because of high tariffs. Simply lessor refuse to participate in such transaction or to increase the down payment. In extreme cases, leasing companies insure only the first payments, which are an indicator of the client’s solvency. It should also be emphasized insufficient supply by insurance companies offering insurance against financial risks.